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Find the Best Pet Insurance

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by Matthew Brodsky Insurance Contributing Editor

Read our guide to find the best pet insurance provider for you by comparing coverage plans, pricing and reviews. Our research team vetted 22 pet insurance companies that have been rated by more than 3,450 verified customers.

Our 5 picks for top pet insurance companies

Veterinary care can get expensive, especially for chronic conditions and accidental injuries. With a pet insurance plan, you don’t have to worry as much about budgeting for the unknown.

The best pet insurance plans are reasonably priced and highly rated by customers. They offer multiple coverage options and reimburse costs at licensed vets across the U.S. For more on how we chose our top picks, read our methodology process.

Our top pickLemonade Pet InsuranceAUTHORIZED PARTNER
  • Deductibles: $100 - $500
  • Reimbursement rates: 70% - 90%
  • Annual limits: $5,000 - $50,000

Lemonade is our top pick for pet insurance because it has great reviews, flexible coverage and a top-rated app. Plans have straightforward terms and come in handy during unexpected emergencies. You can sign up online or through the app.

Rates: Plans start around $10 per month. For a healthy 1-year-old Labrador retriever in Dallas, Texas, we were quoted $35.58 per month for a plan with a $250 annual deductible, 80% reimbursement rate and $20,000 yearly limit.

Reviews: Happy customers frequently leave reviews on ConsumerAffairs that mention Lemonade’s simple claims and reimbursement process. “[The] staff is caring and always asks about my dog and her wellbeing and makes the claims process smooth. The claims process is also streamlined with the use of the mobile app,” said one reviewer in Virginia earlier this year.

A customer in New York said the reps are “considerate, thorough, accurate, quick and most reasonable in providing the service they are in business to provide. They are also very willing to reconsider their claims in light of new or clarified information you provide them.”

PROS

  • Excellent customer reviews
  • Easy-to-use app
  • Quick claims process
  • Optional wellness package
  • Discounts for multiple pets

CONS

  • Not currently available in all states
  • No coverage for behavioral treatments
  • No accident-only plan
Runner-upFigo Pet InsuranceAUTHORIZED PARTNER
  • Deductibles: $100 - $750
  • Reimbursement rates: 70% - 100%
  • Annual limits: $5,000 - unlimited

Figo has great ratings, flexible coverage and nationwide availability. Plans come with 24/7 access to virtual veterinarian care and the Figo Pet Cloud app. Through the app, nearby pet owners can chat, plan play dates and share photos. Waiting periods are short for new illnesses and accidents — coverage usually kicks in within a week or two after purchasing a plan, depending on the care needed and where you live.

Rates: Figo plans average $1.50 per day. For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $38.52 per month on Figo’s Preferred Plan. It comes with a $10,000 annual limit, an 80% reimbursement rate and a $250 deductible.

Reviews: The majority of Figo reviewers on our site say they would recommend the company to a friend or family member. “They have covered everything they said they would,” according to one customer in Texas this year. “I'm so glad I got this pet insurance when Wrigley was a pup because he has had multiple issues that would [have] put me in a bind if I did not have the coverage.” Other reviewers are happy with the cat plans, too.

PROS

  • Easy to submit claims
  • Friendly customer service
  • Virtual vet visits available
  • Short waiting periods
  • 30-day money-back guarantee

CONS

  • Automatic renewal policy
  • Some claims denied
  • No price-lock guarantee
Our pick for customer supportEmbrace Pet InsuranceAUTHORIZED PARTNER
  • Deductibles: $200 - $1,000
  • Reimbursement rates: 70% - 90%
  • Annual limits: $5,000 - $30,000

Embrace Pet Insurance offers “nose-to-tail” coverage for vet emergencies. We like that the company offers relatively high annual limits for dental illnesses — at $1,000 per year.

This company is a good fit for large dog breeds because it includes coverage for surgeries that veterinarians often recommend for big breeds, such as gastropexy. It could be a good option for older dogs, but it does have an age restriction of 15 years.

Rates: Embrace dog insurance averages between $30 and $40 per month; cat insurance costs around $15 to $20 per month. For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $37.42 per month on Embrace’s suggested plan. It comes with a $10,000 yearly limit, an 80% reimbursement rate and a $750 deductible.

Reviews: “When my pet got attacked by a wolf and had to stay overnight at the pet emergency room, I knew I was in good hands with Embrace Pet Insurance. They took good care of me and our refund was truly [a] blessing,” a customer in Texas said earlier this year.

A customer in Kansas estimates that Embrace has reimbursed about 90% of their claims: “Anytime I have a question regarding my pet insurance, I get to talk to a real person who is genuine about my concerns.”

PROS

  • Reasonable rates
  • Simple claims process
  • Good dental illness coverage
  • Provides medical history reviews
  • Military and multiple-pet discounts
  • 30-day money-back guarantee

CONS

  • Some claims denied
  • May not be available in all areas
  • Higher deductible range
  • Some age restrictions
Our pick for older dogs and catsTrustedPals Pet InsuranceAUTHORIZED PARTNER
  • Deductibles: $0 - $750
  • Reimbursement rates: 70% - 100%
  • Annual limits: $4,000 - unlimited

TrustedPals stands out for its $0 deductible option. It offers flexible deductibles, copays, reimbursement rates and annual limits. It has excellent customer service, but we’ve seen websites that are easier to navigate.

Accident and illness plans include coverage for most expenses related to prescribed veterinary care, including behavioral training and therapies. The Wellness policy covers routine care, such as annual exams, heartworm testing and prescription pet food.

Rates: For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $43 per month on TrustedPal’s most popular coverage option. It comes with an $8,000 yearly limit, 80% reimbursements and a $250 deductible.

Reviews: Highlights from 5-star reviews include praise for the customer service and efficient claims process. One customer in Georgia even said that “it feels like the Chick-fil-A of pet insurance companies!”

Others mention customer service. “I’ve filed three claims so far, and the response time and interactions have exceeded my expectations,” said a reviewer in Florida. “Filing a claim is very easy. Response times even during holidays have been within 24-72 hours.”

PROS

  • No age limits
  • Covers prescription food and supplements
  • Helpful customer service
  • Multiple discounts available
  • Flexible plans with unlimited benefits available

CONS

  • TrustedSpotter program not available in all states
  • May not be available in all areas
  • Limited preventive care coverage
  • Website a little lacking
Our pick for easy claims processSpot Pet InsuranceAUTHORIZED PARTNER
  • Deductibles: $100 - $1,000
  • Reimbursement rates: 70% - 90%
  • Annual limits: $2,500 - unlimited

SPOT is a good pick for those who want a no-hassle claims process and flexible coverage options. Like our other top picks (and most companies in the industry), it doesn’t offer coverage for preexisting conditions.

Rates: Costs vary based on your selected coverage and location. For a 1-year-old Labrador retriever in Dallas, Texas, we were quoted $47.54 per month on SPOT’s most popular options for accident and illness coverage. The plan comes with a $4,000 annual limit, $250 deductible and 80% reimbursement rate. We were given the option to add preventive care and wellness coverage to the policy for a little extra cost.

Reviews: One customer in Florida got a plan for their 5-year-old Pomeranian. When a specialist recommended surgery for a colon tumor, SPOT covered most of the expenses. “Without SPOT pet insurance we would have no choice but to put him down. SPOT paid for so much… it was easy for us to pay our part and keep our sweet boy,” the reviewer said.

A reviewer in California said that the company paid out two claims and was wonderful to deal with. Unfortunately, the dog didn’t make it, but SPOT “backdated my cancellation date to the date he passed (w/out me even asking) and send a sympathy card. Highly, highly recommend Spot insurance. I will come back when I get another dog.”

PROS

  • No upper age limit
  • No per-incident limits or lifetime caps
  • Alternative therapy coverage
  • 30-day money-back guarantee
  • Good customer support

CONS

  • Higher premiums for older pets
  • Some documentation required
  • Exclusions for some conditions

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Is pet insurance worth it?

Buying pet insurance can be worth it if you're concerned about paying for expensive, nonroutine medical care when your pet is ill or injured. Most people get pet insurance because they always want to provide as much care as possible for their best friends. With the right coverage, you don’t have to worry as much about budgeting for unexpected veterinary care or emergency treatments.

Those who benefit the most tend to be first-time pet owners who appreciate knowing they can take their puppy or kitten to the vet after an accident or illness without paying 100% out of pocket for care. Pet insurance could also be worth it for those who have older pets or multiple pets and are more likely to make vet visits throughout the year.

How to choose the best pet insurance company for you

With so many options, it can be tough to know which pet insurance company to choose. As with many other important purchases, we suggest considering multiple companies before deciding on a pet insurance plan. Following these steps can help you find the best pet insurance for you.

  1. Research plan options: Think about the type of coverage that’s most essential to you. If you’re most worried about paying for expensive wellness care each year, be sure to find plans that cover that.
  2. Consider pet eligibility requirements: You can usually get a policy for any dog or cat as long as they are at least 6 to 8 weeks old. However, some providers have age restrictions, breed exclusions and exam requirements before your pet is eligible for coverage.
  3. Look for discount opportunities: Many companies offer discounts for military members and those who enroll more than one pet in a plan. If you work for a company with a partnership with a particular insurer, you might be eligible for even more discounts. In some states, you can combine discount opportunities to get up to 25% off your monthly bill.
  4. Ask about the network or provider list: Some pet insurance companies may restrict where you can take your pet for care. If you live in an area with limited options, make sure your plan lets you visit any licensed veterinarian. This is also smart if you already have a vet that you really like.
  5. Understand specific coverages and exclusions: There’s not much worse than thinking that you’re covered for an expensive bill only to find out you’re on your own. Don’t be afraid to ask questions about genetic or hereditary illnesses common to your pet, especially if you have a pooch that is susceptible to breed-specific health risks.

How does pet insurance work?

Pet insurance is similar to human health insurance in some ways and different in others. When visiting a veterinarian, you typically pay for the services out of pocket at your appointment. After, you file a claim to get reimbursed. If approved, the pet insurance company reimburses you by direct deposit or by mail. The amount you're reimbursed depends on the plan you choose. There’s typically a waiting period after signing up for a plan — during this time you can’t make a claim and expect a payout.

Like human health insurance, pet insurance makes it more affordable to get medical care when you need it.”

Like human health insurance, pet insurance makes it more affordable to get medical care when you need it. Similarly, pet insurance may also have premiums, deductibles, copays and maximum payouts.

  • Premium: The premium is the amount you pay monthly, quarterly or annually for your insurance policy.
  • Deductible: The deductible is the amount you have to pay for vet care before the insurance company starts to pay. Policies with higher deductibles cost less, but keep in mind that you will pay more out of pocket before the insurance company begins reimbursing you.
  • Reimbursements: Most insurance policies cover only a portion of medical expenses, even after you’ve met your deductible. For example, your policy might reimburse you 80% of the cost of care, leaving you responsible for 20%. Many companies let you choose a reimbursement percentage from several options. For example, you might be able to choose a policy with a reimbursement of 70%, 80% or 90%. Plans with higher reimbursement percentages are typically more expensive.
  • Maximum payout: Many insurance policies have a maximum payout limit, whether it's a certain amount each year, per event or during the lifetime of your policy. Once it's reached, you must cover 100% of the costs.

What does pet insurance cover?

Depending on the level of coverage you want, plans can cover accidents, illnesses and chronic conditions. Coverage varies from plan to plan, but here are some things that are typically included:

  • Infections
  • Ear illnesses
  • Eye illnesses
  • Flea-borne illnesses
  • Foreign body ingestion
  • Car accidents
  • Lacerations
  • Insect bites
  • Bone fractures or breaks

Basic coverage is typically the cheapest. Comprehensive plans and add-on wellness packages increase the cost of your premium. Plans are designed to cover unexpected accidents and illnesses.

Basic coverage
This traditional form of pet insurance generally covers anything accidental, such as poisonings and unforeseen injuries caused by foreign objects, like cars. Sometimes called accident-only coverage, it typically has deductibles and caps on total payouts per policy term.
Comprehensive coverage
Comprehensive plans take pet insurance one step further by including coverage for sudden illnesses and chronic conditions, such as cancer, heart disease and arthritis. Most comprehensive policies also cover congenital and hereditary issues.
Wellness plans
If you want coverage to help pay for routine pet care, then you want a wellness plan. These plans can help pay for annual exams, teeth cleanings, vaccinations, other preventive treatments and prescription medicines.
Vet packages and network plans
Some veterinarians offer their clients discount packages that provide deals on care and checkups. Vets and pet stores sometimes team up to offer exclusive specials on food, supplies, treatment and care.
Other coverage plans
Life and theft insurance can be bought as a separate plan or exotic pets or other pets that are worth a lot to their owners. You can also consider liability coverage to protect you financially should your pet bite or harm another person. Typically, homeowners insurance provides enough protection, but additional insurance may be needed for more aggressive breeds.

What does pet insurance not cover?

You might assume pet insurance covers all medical issues and expenses, but there are exclusions. For instance, basic plans don’t cover routine illnesses; they cover only accidents. Comprehensive plans cover illnesses and developed conditions, but usually not routine care. Here are some common things not covered:

  • Preexisting conditions
  • Examination fees
  • Preventive care
  • Cosmetic procedures
  • Owner negligence
  • Breeding costs

Pet insurance is not like life insurance — you don’t get a payout if your animal dies. Instead, death benefits — if they are included — are usually limited to the cost you paid for your animal. If you are getting a new pet and are concerned about what will happen if they get sick soon after you bring them home, make sure to research pet purchase protection laws so you know your rights in your state.

How much does pet insurance cost?

Pet insurance plans average
$10 to $60 per month.

On average, expect to pay anywhere from $10 to $50 per month for a plan from the best pet insurance companies. How much you pay varies depending on your location, what type of pet you have, your pet's age and what type of coverage you choose. Accident-only plans are typically cheaper, while coverage that includes preventive care costs more.

Pet insurance comparison chart

Below, compare popular pet insurance plans from our top-recommended companies. Quotes were collected between May 5 and June 15,  2021, and show the suggested accident and illness coverage plans for a 1-year-old Labrador retriever in Dallas, Texas.

Monthly cost*Annual deductibleAnnual coverage limitReimbursement rate
lemonade pet insurance logo$35.58$250$20,00080%
figo pet insurance logo$38.52$250$10,00080%
embrace pet insurance logo$37.42$750$10,00080%
trustedpals pet insurance logo$43$250$8,00080%
spot pet insurance logo$47.54$250$4,00080%
lemonade pet insurance logo$35.58$250$20,00080%
figo pet insurance logo$38.52$250$10,00080%
embrace pet insurance logo$37.42$750$10,00080%
trustedpals pet insurance logo$43$250$8,00080%
spot pet insurance logo$47.54$250$4,00080%
All prices accurate as of time of publication.

Pet insurance FAQ

What is pet insurance?
Pet insurance is a policy that reimburses you for covered veterinary expenses. Depending on the provider, plans can include coverage for accidents, illnesses and wellness care. Like other types of insurance, pet insurance plans typically have annual deductibles, reimbursement rates and benefit caps.
Does pet insurance cover preexisting conditions?
No, pet insurance generally doesn’t cover preexisting conditions.
Does pet insurance cover multiple pets?
You will need a separate plan for each pet. Luckily, many of the top pet insurance companies offer discounts when you enroll more than one cat or dog.
Can you have two pet insurance policies?
Yes, you can have more than one pet insurance policy for your pet. You might, for instance, have a policy that covers accidents and illnesses and an add-on that covers wellness care.
Can you get pet insurance for older dogs?
Yes, many pet insurance providers offer coverage for older dogs. However, you might have to pay a higher premium. Some companies do set age limits and restrictions, though. If there is an age limit, it’s usually between 9 and 15 years.
Do I need health insurance for my cat?
It’s not required, but insurance for a cat can save you lots of money if you end up using it. For felines, the most expensive treatments are for cancer and other chronic conditions, which a reasonable comprehensive policy covers. Generally, vet care for a dog costs more than for a cat, which is why dog insurance is more expensive than cat insurance.

Methodology

To choose our top pet insurance providers, we started with a list of 22 popular pet insurance companies. To narrow the options, we first considered overall customer satisfaction ratings. Providers with an overall satisfaction rating below 3.5 stars were eliminated first, leaving nine companies. To stay on the list, companies had to have at least twice as many 5-star reviews as 1-star reviews over the last year (June 15, 2020, through June 15, 2021).

The ConsumerAffairs Research Team then analyzed recent reviews from verified customers to make recommendations. For example, SPOT is our pick for an easy claims process because of the high density of certain recurring phrases (e.g., “easy file claims,” “claims very helpful”) in verified 5-star reviews on our site over the last year.

Pet insurance reviews

AKC Pet Insurance

AKC Pet Insurance was founded in 2003 but its lineage goes back to John Spurling, who first offered pet insurance to the Kennel Club in Great Britain in the 1980s. The company's headquarters are now located in Raleigh, North Carolina.

Read 487 Reviews
AUTHORIZED PARTNER
ASPCA Pet Health Insurance

ASPCA Pet Health Insurance has provided pet insurance plans since 2006. With options for dogs, cats and horses, the company allows pet owners to visit any veterinarian in the U.S. and Canada. It offers complete coverage and accident-only plans and preventive care options.

    Read 779 Reviews
    AUTHORIZED PARTNER
    Petplan

    Petplan offers policies nationwide. Its charitable fund tries to promote the health and welfare of animals and give money to good causes. Its plans are administered by Fetch Insurance Services LLC.

      Read 432 Reviews
      PetPremium

      PetPremium is an insurance company that helps pet owners ensure their pets live longer and healthier lives. It offers pet owners insurance against illness or accidents so that owners don't have to pay out of pocket for vet bills.

      Pets Best

      Pets Best is a pet insurance company for dogs and cats. It was founded in 2005 by Dr. Jack Stephens, often considered the "father" of pet insurance in North America.

      Read 6 Reviews
      Trupanion

      Trupanion is a pet medical insurance company founded by CEO Darryl Rawlings. The company is a founding member of the North American Pet Health Insurance Association (NAPHIA).

      Read 273 Reviews
      24PetWatch Pet Insurance

      24Petwatch is a company that specializes in pet protection services. The company is headquartered in Buffalo, New York.

      Read more about 24PetWatch Pet Insurance
      AUTHORIZED PARTNER
      Embrace Pet Insurance

      Embrace Pet Insurance is a pet insurance company that has been in operation since 2006. It offers accident-only, Accident & Illness and Wellness Rewards programs.

        Read 428 Reviews
        AUTHORIZED PARTNER
        Healthy Paws Pet Insurance & Foundation

        Since its inception in 2009, Healthy Paws Pet Insurance & Foundation has been improving the health of domestic animals. It offers insurance policies and funds a foundation dedicated to providing vet care to animal rescue organizations.

          Read 181 Reviews
          Nationwide Pet Insurance

          The roots of this company go back to 1982 when Veterinary Pet Insurance issued their first policy on TV star Lassie. Its commitment to making quality vet care affordable is backed by the financial stability of one of the world's largest insurance companies, Nationwide.

          Read 446 Reviews
          Pet Assure

          Pet Assure is a membership program that allows users to receive discounts on health care for their pets. It has been offering these discounts since 1995.

          Read 5 Reviews
          AUTHORIZED PARTNER
          Figo Pet Insurance

          Figo Pet Insurance is a company that provides insurance for cats and dogs. It offers web-based tools and applications for pets and pet owners.

            Read 244 Reviews
            Pumpkin

            Pumpkin offers pet insurance and preventive care coverage for dogs and cats. Customers get reimbursed when they take their animal to any licensed vet in the U.S. or Canada. There are no age limits or breed exclusions. The waiting period is two weeks or less for all conditions.

              Hartville Pet Insurance

              Hartville Pet Insurance provides accident-only and complete coverage for dogs and cats. Complete coverage includes accidents, illnesses, hereditary conditions, behavioral issues and dental disease. Preexisting conditions, cosmetic procedures and breeding costs are excluded.

                Companion Protect

                Companion Protect offers coverage for dogs and cats with no breed or age restrictions. All plans have a flat 10% copay and a $100 annual deductible. Premiums don’t increase as your pet ages. In most states, a lifetime coverage benefit of $100,000 applies.

                  PetPartners

                  PetPartners specializes in Accident & Illness coverage for dogs and cats. Plans have customizable deductibles and coinsurance. Policyholders enjoy access to an easy-to-use mobile app, 24/7 veterinarian helpline and customer care.

                    Eusoh

                    Eusoh offers a health-sharing plan that is an alternative to traditional pet insurance. Pets of all ages and all breeds are eligible for coverage. It is currently available throughout the U.S.

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                      by Matthew Brodsky Insurance Contributing Editor

                      Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

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