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by Matthew Brodsky Insurance Contributing Editor

Pet insurance helps you pay for the care your pet needs. Read our guide to research and choose the best pet insurance company for you. These companies provide plans that cover unexpected illnesses or injuries and prevent difficult financial decisions when your pet needs help.

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ASPCA Pet Health Insurance
Read 777 Reviews

Offers complete, accident-only and preventative care coverage options for dogs and cats. Pick your own veterinarian. Deductible options range from $100 to $500, with reimbursement percentages from 70% to 90%.

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Spot Pet Insurance
Read 11 Reviews

Offers pet insurance plans that cover veterinary treatments related to illness and injury. Preventative care options and accident-only coverage available. No age limits. Covers alternative therapies. Get a quote online.

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Embrace Pet Insurance
Read 350 Reviews

Offers a comprehensive plan and accident-only coverage. Get up to $1,000 annually in coverage for dental illnesses. No network of service providers. Choose your own vet. Offers an optional wellness rewards plan for routine care.

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Figo Pet Insurance
Read 235 Reviews

Three coverage amounts ranging from $5,000 to unlimited. Coverage includes ER visits, surgeries, cancer treatment and more. Covers animals eight weeks old and up. File claims online, over the phone or via fax.

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Prudent Pet Insurance Read Reviews

Get coverage for pets of all ages and breeds. Choose your reimbursement percentage up to 90%. Highly customizable and budget-friendly plans. Get a 10% discount for adding a second pet. 14-day waiting period before coverage begins.

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TrustedPals Pet Insurance
Read 22 Reviews

Provides insurance policies for dogs and cats. Coverage includes illness and injury treatment, surgeries, prescription food and more. Plans start at around $20 a month with a $250 deductible.

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Petplan
Read 413 Reviews

Offers vacation cancellation protection and lost pet recovery reimbursement. Includes coverage for chronic and hereditary conditions and comprehensive dental coverage. Reviews claims in as little as one business day.

Healthy Paws Pet Insurance & Foundation
Read 157 Reviews

Offers one easy-to-understand coverage plan. Work with any licensed veterinarian. Claims are handled online and most are processed within 2 days. Policies can be underwritten by multiple pet insurance providers.

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Trupanion
Read 258 Reviews

Offers one easy-to-understand plan with no payout limitations. Policies are underwritten by American Pet Insurance Company. Deductibles from $0 to $1,000. Get a quote for specific pricing.

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PetFirst
Read 8 Reviews

Two basic coverage plans with annual benefits from $2,000 to $10,000. Additional coverage plan with a benefit up to $10,000 available. Affiliated with MetLife. Plans for dogs from $15 a month. Plans for cats from $9 a month.

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Nationwide Pet Insurance
Read 435 Reviews

Insurance includes 24/7 access to trained veterinary professionals and reimbursements for covered medical costs. Plans start at $35 a month. Work with any vet. Must enroll before pet turns 10 years old.

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AKC Pet Insurance
Read 484 Reviews

Offers one base plan with multiple add-ons and premium coverage options. Discounted coverage for breeders. 14-day waiting period for illnesses. Two-day waiting period for accidents. Covers some holistic and alternative care.

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24PetWatch Pet Insurance
Read 228 Reviews

Offers pet insurance and pet protection plans. Apply on the website. Annual pet protection starts at $29.95 a year or $94.95 for a lifetime membership. Policies underwritten by The North River Insurance Company.

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Pets Best
Read 5 Reviews

Offers pet insurance and health plans. Add-on routine care and wellness plans start at $16 a month with no deductible. Plans have custom limits, deductibles and reimbursements based on your pet’s needs. 24/7 Pet Helpline.

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Pet Assure
Read 5 Reviews

Plan prices start as low as $7.95 per month. Offers family plans for those with multiple pets. Get discounted medical care when you visit a veterinarian in the Pet Assure network. No waiting period.

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Lemonade Pet Insurance Read Reviews

Insures cats and dogs with policies starting at $10/month. Sign up for coverage in just seconds. Covers diagnostics, procedures and medication and offers two add-on packages. Available in 33 states and Washington, D.C.

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PetPremium Read Author Review

Get a quote for pet insurance coverage through the form on the website. Offers policies for cats and dogs. No network limitations. Read about common illnesses and ailments on its website. Uses AI customer service.

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HappiPets Insurance Read Author ReviewOut Of Business

Pet insurance provider that helps mitigate costs of veterinary care. Add-on coverages available. No age restrictions for pets. No longer accepting new customers.

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Types of pet insurance coverage

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Basic coverage

This traditional form of pet insurance coverage mirrors your typical human health insurance plan. It generally covers anything accidental, such as unforeseen injuries or illnesses—even poisonings. Basic coverages typically include deductibles and caps on total payouts per policy term.

Comprehensive coverage

While covering most everything that a traditional basic plan would cover, comprehensive takes pet insurance one step further by including preventive care (such as vet visits, X-rays and vaccinations) and prescription medicines.

Wellness plans

Want coverage to help finance for routine care? Then a pet wellness plan is for you, to help pay for annual exams, teeth cleanings, vaccinations and other similar preventative treatments.

Vet packages and network plans

Additional pet insurance-like pet products are often sponsored by veterinarians themselves or in conjunction with pet stores. For instance, certain vets will offer their customers essentially what are package deals, which provide discounts on care and checkups. Or vets and pet stores may team up to offer plans that give discounts on surgeries and care, as well as on pet food and other supplies.

Other coverage

For pets that are exotic or worth a lot to their owners, life and theft insurance can be bought as a separate plan. Pet owners can also consider liability coverage to protect them should their pet bite or harm another person. Typically, homeowners or renter’s insurance provides enough protection, but for certain more aggressive breeds, additional insurance may be needed.

Pet insurance questions

vet holding dog and cat
What does pet insurance cover?
Like your health insurance, pet insurance exists to make it affordable for pet owners to get their pets the medical care they need without paying exorbitant fees. It is designed to cover unexpected accidents and illnesses. The amount you’ll be reimbursed will vary depending on the plan you choose. While coverage will vary from plan to plan, here are some things that are generally covered by pet insurance:
  • Infections
  • Ear illnesses
  • Eye illnesses
  • Flea borne illnesses
  • Foreign body ingestion
  • Car accidents
  • Lacerations
  • Insect bites
  • Bone fracture or break
What does pet insurance not cover?
If you have pet insurance, you might assume that it will cover all medical issues and expenses, but many times it has exclusions. Here are some common things not covered by pet insurance:
  • Pre-existing conditions
  • Examination fees
  • Preventive Care
  • Cosmetic procedures
  • Owner negligence
  • Breeding costs
How does pet insurance work?
Pet insurance works differently than human health insurance. When visiting a veterinarian, you will pay for the services out of pocket at your appointment. After, you file a claim to get reimbursed for what is eligible. If approved, funds will be delivered to you via direct depost or by mail.
How much is pet insurance?
On average, expect to pay anywhere from $25–$50 per month for a comprehensive pet insurance plan that covers illnesses and accidents. Accident-only coverage only costs around $10–$20 per month. The cost of pet insurance varies according to your location, what type of pet you have, your pet's age and what type of coverage you choose. Similar to human health insurance, pet insurance also has premiums, deductibles, co-pays 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 of the vet bills you have to reach before the insurance company starts to pay. Higher deductibles usually mean a lower premium, but more of your money is invested over the initial medical expenses.
  • Co-pay: Most insurance policies will cover only a portion of medical expenses even after you’ve met your deductible and expect you to cover a portion. For example, your policy might stipulate that you pay 20 percent and the insurance company pays 80 percent. Higher co-pays will lower your premium as well but will increase your out-of-pocket payments for each expense. When determining reimbursement, also keep in mind that some pet insurance policies pay out as a percentage of the invoice while others pay out on certain amounts for certain conditions or operations, no matter what the bill was.
  • Maximum payout: Most insurance policies will determine a maximum amount of money they will give you, whether it is a certain amount each year, per event or during the lifetime of your policy. Once it is reached, you will not receive any more money.
  • Extra costs: Pets with existing conditions or advanced age may be refused coverage or might require higher premiums to cover their medical insurance. Be sure to read carefully to determine if your pet will incur any extra costs.
Is pet insurance be worth it?
Pet insurance can be worth it if you anticipate having high medical costs associated with your pet. People who benefit the most from pet insurance are pet owners with older pets, first-time pet owners who appreciate the peace of mind that comes with knowing they can take their puppy or kitten to the vet without paying out-of-pocket, and owners of multiple pets who might have to pay medical expenses several times throughout a year.

If you are getting a new pet and are concerned about what will happen if your new pet gets sick or dies soon after you bring him home, make sure to research pet purchase protection laws to see what is required in your state.

Can you have 2 pet insurance policies?
Yes, you can have more than one insurance policy for your pet. It is considered fraud if you don’t answer truthfully when your provider asks if you’re insured through any other networks, though.

If you have multiple pets, you can invest in multi-pet insurance, which links all of your pet’s insurance plans together. Some providers offer a discount for multi-pet insurance plans.

Not sure how to choose?

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    Pet insurance company reviews

    AKC Pet Insurance

    AKC Pet insurance was founded in 2003 by John Spurling, who first offered pet insurance to the Kennel Club of Great Britain in the 1980s. The company's headquarters are now located in Seattle, Washington.

    Read 484 Reviews
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    ASPCA Pet Health Insurance

    With options for dogs and cats, this pet insurance company allows pet owners to visit any veterinarian in the U.S. and Canada. They have complete coverage and accident-only coverage options.

    • No networks: Unlike other insurance companies, ASPCA doesn’t work inside a network, which means you can take your dog or cat to any vet in the U.S. and Canada. This can be especially helpful for people who like to travel with their pet.
    • ASPCA claims: Claims can be submitted online, through the mobile app, by mail or by fax. You can choose to be reimbursed directly into your bank account, or you can have a check mailed to you.
    • Complete Coverage: This insurance plan covers everything when your pet is hurt or ill, including accidents, sickness, hereditary conditions and even behavioral issues.
    • Accident-only coverage: Accident-only coverage will cover exam fees, diagnostics and treatment for accidents.
    • Multi-pet discount: Save 10% when you insure multiple pets with ASPCA pet insurance. Discounts are applied automatically.
    Read 777 Reviews
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    Petplan

    Drawing on more than 35 years of experience in the pet insurance industry, through their relationship with sister company Petplan UK, Petplan offers policies in all 50 states and the District of Columbia. As the insurer of choice for rescues and animal shelters nationwide, they are an industry leader in the pet insurance space.

    • High annual limits: With annual expense reimbursements reaching up to $22,000 per year, pet parents will have access to a high level of care.
    • Tiered pricing: Get as much or as little coverage as needed, based on personal circumstances. For those that have access to in-home care, Bronze coverage gives them the same health benefits without the added costs for boarding coverage.
    • Customizable coverage: In addition to tiered coverage, there is also considerable customization available. Choose a deductible and reimbursement level based on personal finances and affordability.
    • No networks: Petplan policyholders can pick and choose their pet health provider. There are no networks or preferred providers.
    • Fast reimbursement: Vet bills can cost thousands of dollars, so quick reimbursement can be crucial. Petplan typically processes and pays out on claims within 14 days.
    Read 413 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 accident so that owners don't have to pay out of pocket for vet bills.

    • Website offers pet health articles: PetPremium hires veterinarians to write articles on various aspects of pet health so that users can quickly get their questions answered.
    • Wellness coverage available: Users can purchase insurance that covers routine visits such as yearly checkups.
    • Chronic conditions may be covered: Users who have an older pet or a pet with a chronic disease can get special care covered.
    • Three levels of coverage: PetPremium offers various levels of coverage to meet different needs pet owners may have.
    • Behavioral treatments may be covered: Users who need help with their pet's behavioral problems can get coverage for specialized treatment.
    Pets Best

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

    Read 5 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) and has been publicly traded since July of 2014.

    Read 258 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
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    Embrace Pet Insurance

    Embrace Pet Insurance is a pet insurance company that has been in operation since 2006, focusing on sustainability and providing expert pet care.

    • Ability to compare plans: Embrace has a great website that allows consumers to compare their plans with other insurance companies in order to choose the best option.
    • Covers both dogs and cats: Embrace will cover treatment for both dogs and cats of any age.
    • Experienced: They have been in business for almost 10 years and are a trusted name in the industry.
    • No per-incident limitations: Embrace doesn't restrict the overall amount you can be reimbursed for a specific accident or illness like many insurance companies do.
    • Hereditary and genetic condition coverage: Embrace covers genetic conditions that your pet might be prone to, such as digestive issues or dysplasia, in full up to the annual maximum that you have chosen.
    Read 350 Reviews
    Healthy Paws Pet Insurance & Foundation

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

    Read 157 Reviews
    Nationwide Pet Insurance

    Founded in 1982, when Veterinary Pet Insurance issued their first policy on TV star Lassie, this company has insured more than 1 million pets. Their commitment to making quality vet care affordable is backed by the financial stability of one of the world's largest insurance companies, Nationwide.

    Read 435 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
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    Figo Pet Insurance

    Figo Pet Insurance, created in 2012, is a company that provides health insurance for cats and dogs. It's the first cloud-based insurance company that offers personal Web-based tools and applications for pets and pet owners.

    • Healthcare made easy: Figo Pet Insurance's simple claims process makes it easy to upload a bill and be reimbursed for veterinary expenses.
    • Easy-to-use mobile app: Figo Pet Insurance's Pet Cloud app allows owners to track their pets if they wander off as well as locate nearby veterinarians, parks and pet-friendly restaurants and hotels.
    • Centralized records: Subscribers can upload documents such as vital records, certificates and special moments directly into the Figo Pet Insurance Pet Cloud app from any device.
    • Automated alerts: Figo Pet Insurance's Pet Cloud app automatically sends alerts to remind pet owners of veterinarian appointments and office visits.
    • Personalized options: Figo Pet Insurance offers a variety of different plans that allow subscribers to choose the level of care that best fits their budget.
    Read 235 Reviews
    HappiPets Insurance

    Based in Indiana, HappiPets Insurance is dedicated to providing the best health care available to furry family members. The company's staff is made up of pet lovers who understand the stress that comes with vet visits, which is part of the reason for its award-winning customer service.

    • Multi-pet discounts: When furry family members are a big part of the household, it pays to get coverage for every four-legged member. HappiPets Insurance covers up to three pets under 10 years old on a single policy.
    • No incident limits: While there are annual benefit limits, there are no maximums for a specific issue. So if an accident happens, your pet can use the entire annual maximum to get the quickest possible recovery.
    • Routine care coverage: With this add-on, pets can enjoy annual preventive vet visits, flea and tick repellents, heartworm medication and behavior training.
    • No heredity exclusions: Given particular breeds are prone to developing certain illnesses, some pet insurance companies exclude coverage for things like dysplasia or cancer. With HappiPets, there are no exclusions for hereditary conditions, breed-specific diseases or chronic and congenital illnesses.
    • No exam required: Pets can enjoy coverage immediately, no matter when their last vet visit took place.
    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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