14 Best Pet Insurance Companies

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The best pet insurance companies offer a variety of coverage options for your pet. How can you know which pet insurance company you should choose?

It’s nice to know that if your pet got sick or needed emergency surgery you could cover the unexpected expense.

Even if you don’t have the cash on hand, pet insurance could cover the gap.

You pay for health insurance, life insurance, home insurance, and auto insurance. Why shouldn’t you do the same with your pet?

Start protecting your four-legged friends with one of the pet insurance companies we’ve listed below.

Top Pet Insurance Companies

Here is a comprehensive review of the best pet insurance companies.

1. Prudent Pet Insurance

Prudent Pet Insurance offers three different levels of coverage for dog and cat owners.

You can use any U.S. licensed vet with Prudent, and they have a 24/7 telehealth line too.

The company offers an Accident Only plan, and they have two different Accident and Illness plans.

The Accident Only plan offers $10,000 in coverage due to accidents. This plan covers incidents such as:

  • Bite wounds
  • Broken bones
  • Alternative therapies due to accidents
  • Injuries to teeth or mouth
  • Emergency visits and hospitalizations

The Essential Accident and Illness plan offers $10,000 in coverage as well. However, it offers expanded coverage for additional incidents such as:

  • Cancer and Growths
  • Cancer treatments
  • birth defects and abnormalities
  • digestive illnesses

And the Ultimate Accident and Illness plan offers unlimited coverage in the above-mentioned areas.

Prudent Pet Insurance has a referral program too.

If you have a friend or family member that signs up and mentions your name, they’ll send you a $15 Amazon gift card.

Add-Ons

Prudent Pet also has add-on features you can purchase such as spay-neuter reimbursement (up to $60),

There’s also an optional Wellness coverage add-on that will cover some vaccines and shots.

Note that Prudent Pet does not cover natural treatments, pre-existing conditions, or cosmetic procedures.

The Bottom Line

Prudent Pet offers three plans to give you a variety of coverage options, and add-on options as well.

In addition, they’ve got the highest Trustpilot rating on our list as of this writing, which says something.

Trustpilot score: 4.7 out of 5

2. Embrace

Embrace Pet Insurance offers several plans that promise “nose-to-tail” coverage for your dog or cat. 

As with other plans, you choose the annual maximum payout, deductible and reimbursement percentage. 

Each pet on the policy can have a different deductible, reimbursement rate and maximum limit.

This is great if you have several pets that are different ages. You can use this plan with all of your cats and dogs to receive a multi-pet discount.

Nose to Tail Accident & Illness Coverage

Like other pet insurers, there is no network, meaning you can take your pet to the vet of your choice.

You will need to print your personalized claim form before your appointment.

Once you arrive, have a staff member at the veterinary practice fill out the claim form. You can then send it in by email or fax, or upload it online.

Here’s what included:

  • Congenital conditions
  • Chronic conditions
  • Cancer treatments
  • Exam fees
  • Behavioral therapy
  • Diagnostic testing
  • ER and specialist care
  • Hospitalization and surgery
  • Prosthetic limbs and devices, including mobility aids
  • Dental illnesses (up to $1,000 per year — only available in certain states)

Alternative therapies are covered. In addition, coverage is available for take-home prescription medications in most states.

However, this coverage is only available in certain states. Please visit the Embrace Pet Insurance website to make sure yours is included.

Wellness Rewards

Wellness Rewards is a flexible, preventive health care plan that you can add. It will reimburse you for grooming, vet and training needs.

The program rewards you with “free” money for being proactive about your pet’s well-being.

There are three options for Wellness Rewards reimbursement. You can choose $250, $450 or $650 per policy year limits.

The $650 option is best for puppies and kittens, since their costs tend to be more expensive.

You can also change your Wellness Rewards limit each policy year to meet your pet’s needs.

Unfortunately, the Wellness Rewards program is not available for standalone purchase. You must have the full, nose-to-tail coverage to qualify.

Not Included in Coverage

  • Some pre-existing conditions. (Curable pre-existing conditions are covered if they go sign or symptom-free for 12 months from the original date of onset.)
  • Cloning
  • Stem cell therapy
  • Injury from fighting, racing, cruelty or neglect
  • Cosmetic procedures

They also offer a very helpful comparative tool that will allow you to compare Embrace with other pet insurers.

The other pet insurers include:

  • 24PetWatch
  • AKC Pet Insurance
  • ASPCA Health Insurance
  • Figo
  • Healthy Paws
  • Nationwide
  • PetFirst
  • Petplan
  • Pets Best
  • Trupanion

Unlike many pet insurers, Embrace also has a healthy pet deductible, which will lower your annual plan fee by $50 each year that you don’t receive a claim reimbursement.

The Bottom Line

This plan is great because you can customize it for your pet and budget.

With their comparative tool, healthy pet deductible, and Wellness Rewards, this may be your best pet insurance option.

Trustpilot score: 4.5 out of 5

3. Healthy Paws

The next pet insurance company we’re going to talk about is called Healthy Paws.

After hearing about a positive experience a friend had with them, this is the company I chose, too.

Their policies allow you to be reimbursed for 70%, 80% or 90% of the total veterinary bill once you reach your annual deductible.

The higher the reimbursement level, the more you will pay each month. You can choose between a $100, $250 or $500 per month deductible.

Healthy Paws policies have no incident limits or annual limits on coverage.

Coverage

One downside with Healthy Paws and most other pet insurance policies is they don’t cover normal vaccinations, routine exams, heartworm prevention or regular check-ups.

And unlike other insurers, Healthy Paws does not offer any type of wellness plan as an add-on.

But for any covered condition, Healthy Paws coverage includes:

  • Diagnostic tests (X-rays, blood)
  • Hospitalization and treatments while there
  • Surgeries
  • Prescription medications

You can also use any licensed vet and submit your qualified expenses online.

Are There Maximum Limits?

There is no maximum limit for the duration of your coverage. Even if you have $20,000 worth of expenses, they would still cover 70%, 80% or 90%.

Most other pet insurance providers have caps. These will lower your monthly cost but also reduce your protection. 

The lack of caps is one of the biggest benefits of Healthy Paws insurance.

Are Hereditary and Congenital Conditions Covered?

Any hereditary conditions are eligible for coverage as long as the symptoms occur after enrollment and waiting periods.

These conditions include things like bladder stones, epilepsy, heart disease, cleft palate or limb deformities.

As a side note, some breeds are prone to hip dysplasia and are covered at no additional cost.

However, your pet needs to be under six years old and have no clinical signs or symptoms happen during the initial term.

Not Included in Coverage

  • Exam fees
  • Pre-existing conditions
  • Dental care
  • Behavioral treatment
  • Specific pet diets
  • Daycare or boarding
  • Cremation or burial (euthanasia is covered when medically necessary)

The Bottom Line

Healthy Paws is a dependable option with no coverage limits, which is why I chose it.

Unfortunately, Healthy Paws doesn’t cover preventive care and a routine wellness program is not offered.

As I have this pet insurance, I can say there is one other downside.

The second year we experienced a price increase, despite the fact that we didn’t have any claims in the previous 12 months.

Trustpilot score: 4.3 out of 5

4. SPOT Pet Insurance

SPOT pet insurance offers dog insurance and cat insurance. You can get accident only coverage, or expanded coverage including preventative coverage add-ons.

They’ll give you quotes based on what you choose for your deductible, annual spend limit, and reimbursement percent.

It’s sort of like the build-your-own buffet version of cat and dog insurance. Options include a variety of tiers, including an unlimited plan.

You can use any U.S. licensed veterinarian with SPOT. They won’t cover preventative care that isn’t tied to a covered occurance.

However, you can get a preventative care add-on that may cover shots, vaccines, dental cleanings, and so on.

SPOT makes reimbursement easy. All you have to do is submit a picture of vet your bill through their app, and they’ll send you a check.

Remember that the visit has to be to a licensed vet and that the rendered services have to be covered in the plan you’ve chosen.

The Bottom Line

SPOT’s buffet-type coverage can be a great option for the preferences of all cat and dog owners.

And the easy reimbursement process means you’ll get your money back fast.

Trustpilot score: 4.3 out of 5

5. ASPCA

ASPCA Pet Health Insurance is issued by Crum & Forster Pet Insurance Group is one of the oldest pet insurers.

They partnered with the American Society for Prevention of Cruelty to Animals more than 20 years ago to provide pet insurance under the well-known ASPCA name.

The company offers several plans that you can choose based on deductibles and a custom reimbursement percentage that’s similar to Healthy Paws and Progressive.

Complete Coverage

ASPCA has a very comprehensive pet insurance plan that covers hereditary issues, illness, accidents, and even behavioral issues.

Within this plan, you choose between three deductibles ($500, $250, and $100) as well as reimbursement percentages (70%, 80% and 90%).

Also, there are different annual limits that will affect your coverage. They range from $5,000 to unlimited.

Accident Only Coverage

The Accident Only Coverage includes exam fees, diagnostics and treatments that are related to accidents.

However, preventive care coverage is available for a small fee each month.

Not Included in Coverage

  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding costs
  • Behavioral issues

The Bottom Line

You get lots of choices with ASPCA Pet Health Insurance. It offers accident-only and comprehensive insurance, as well as a preventive care option.

However, the downsides are that they have annual limits and will not fund expenses related to behavioral issues.

Trustpilot score: 4.3 out of 5

6. Pawp

Pawp is pet insurance with a twist. They don’t offer traditional pet insurance coverage.

Instead, you’ll pay $19 a month and get unlimited access to their 24/7 telehealth visits with veterinarians and pet experts.

In addition, you’ll also get a $3,000 emergency fund per year. Some of the emergencies the fund covers include:

  • Toxic digestion
  • Choking and difficulty breathing
  • Severe blockages
  • Severe internal and external injuries

You’ll need to talk with a telehealth specialist before you make your emergency visit to the vet.

And you’ll need to have your pet present or show a video of the injury before you’re approved.

Each plan covers up to six cats and dogs in the same household.

Paws pays the clinic before you leave from your visit. And there are no deductibles and no copays to use your Emergency fund.

Key Features:

  • No wait times and no appointments required to talk to an online vet
  • Pawp covers emergencies even if they relate to a pre-existing condition
  • And there are no deductibles, no copays and no credit check to use your Emergency fund
  • Pawp pays directly to any vet in the US before you leave the clinic and you don’t have to pay them back

The Bottom Line

Pawp has created a great basic pet insurance alternative for pet owners. While it’s different than traditional pet insurance, it has good basic features.

The $19 per month to cover up to six pets is affordable, and the 24/7 telehealth feature is a nice benefit.

Trustpilot score: 4.1 out of 5

7. AKC Pet Insurance

The next insurance option we’ll talk about is AKC Pet Insurance. The American Kennel Club offers pet insurance only for dogs and cats.

Their two main plans are the Companion Select and the Companion Plus plans.

The deductibles range from $100 to $1,000. The per-incident reimbursement limits range from $1,500 to $5,000 per incident.

The annual reimbursement limits range from $3,000 to $16,000. And there is no percentage based reimbursement as other insurers.

Companion Select Plan

This is the accident coverage only plan. Some of the most common examples include lab tests, surgery, hospitalization and euthanasia.

Companion Plus Plan

This plan includes everything the Companion Select plan does, as well as illnesses and cancer. Also, for an additional fee, you can add on an Inherited Plus plan.

Wellness Coverage

The Wellness Coverage plan is extensive. It covers routine exams, microchipping, deworming, fleas and other issues.

There are two wellness options; the Defender and Defender Plus. Also, there are no wait periods for the Wellness coverage, which is a huge plus.

The Bottom Line

This plan seems expensive compared with others. It has incident-level limits, annual maximums and high deductibles, unlike most plans.

Trustpilot score: 4.1 out of 5

8. Pets Best

Pets Best Pet Insurance was founded in 2005 by a veterinarian and an insurance expert.

Their goal was (and is) to help pet owners afford to care for their pets, no matter what the cost.

Pets Best has three different plans to choose from: Essential, Plus and Elite.

Each plan will reimburse you for up to 90% of your healthcare costs and has a $250 deductible.

The plans also come with an unlimited coverage option, but you can choose a limit to your coverage if you wish.

Deductible and reimbursement amounts are flexible too, depending on what you’re looking for. The monthly premiums for each plan vary based on:

  • The type of pet you have
  • The breed and size of your pet
  • Your pet’s age

And possibly other factors. Pets Best also has a 24/7 veterinary support line for all of its customers.

Trustpilot score: 3.8 out of 5

9. 24PetWatch

24PetWatch has pet insurance and pet protection services for your four-legged friends.

Their pet protection services also include microchipping and several membership options.

They have five main pet insurance plans for cats and dogs. Your pet is eligible after it’s 8 weeks old and up to 10 years old.

You are responsible for a 20% co-pay and they cover the other 80%. Unlike other plans, you can’t choose a 70% or 90% reimbursement option.

Here are the five plans available:

Essential Plan

  • Policy Term Payout (Illness & Accidents): $1,500
  • Deductible: $100

Extra Plan

  • Policy Term Payout (Illness & Accidents): $3,000
  • Deductible: $100 or $250

Classic Plan

  • Policy Term Payout (Illness & Accidents): $5,000
  • Deductible: $100, $250 or $500

Super Plan

  • Policy Term Payout (Illness & Accidents): $10,000
  • Deductible: $100, $250, $500 or $1,000

Champion Plan

  • Policy Term Payout (Illness & Accidents): $20,000
  • Deductible: $100, $250, $500 or $1,000

Wellness Coverage

They also have a wellness coverage package for routine stuff. This is included in all plans for a small monthly fee of $10. It certainly seems like a good investment in my opinion.

The Advanced Wellness plan starts at $25 per month and offers more comprehensive benefits, including dental cleanings and flea medications.

The Bottom Line

The reimbursement option and limits are a major downside. Therefore, I’m not a huge proponent of this pet insurance.

Not to mention, they are more expensive than most.

Trustpilot score: 3.2 out of 5

10. Veterinary Pet Insurance (VPI)

Veterinary Pet Insurance is offered through insurance giant Nationwide.

The company offers several plans that make it easy to choose insurance for your dog or cat. Even exotic pets and birds are included!

One of the benefits of Nationwide is that your coverage remains the same every year, regardless of any sickness or injury claims that were made.

If only home and auto insurance policies were like this!

Here are Nationwide’s VPI pet insurance packages:

Whole Pet With Wellness (Percentage of Invoice)

This plan will cover a percentage of the overall treatment cost, similar to Healthy Paws and other insurers mentioned.

Unlike some other companies, Nationwide does not limit your coverage to just uncommon things like surgery, accidents, hospitalization or treatment.

Here’s what is included:

  • Exam fees
  • Vaccinations
  • Surgeries or hospitalization
  • Chronic conditions
  • Hereditary conditions
  • Wellness (annual checkups, heartworm, flea, and other vaccinations)

Major Medical (Benefit Schedule)

All reimbursements are capped at a set amount for each condition, regardless of the total cost.

This plan offers everything the Whole Pet With Wellness plan offers, except the wellness package.

Pet Wellness

This is Nationwide’s most basic package but still includes wellness exams, tests, flea and heartworm prevention, as well as normal vaccinations.

Costs

The cost of VPI can vary significantly depending on the plan and if you add on the routine wellness package.

The Bottom Line

This is another good option but not the best. The price is relatively high when compared with other providers.

Trustpilot score: 2.8 out of 5

11. Progressive Pet Insurance

Yes, Flo from Progressive even has insurance for your pet’s medical expenses.

Progressive has two different plans for your cat or dog: Basic Pets Wellness Program and BestBenefit.

BestBenefit Accident and Illness Plans

This is the more comprehensive plan offered by Progressive. It covers anything related to accidents and illnesses, including chronic conditions like cancer.

This plan also allows treatment for hereditary and congenital conditions. Accidents, hospitalization, surgeries, and after-hours emergency visits are also covered.

Accident Only Plan

The Accident Only Plan does not cover anything related to illnesses.

Accidents include things like:

  • Broken bones
  • Wounds from being hit by a car
  • Bite wounds
  • Lacerations

Wellness Routine Care Plans

Progressive offers a wellness plan too.

This plan is less expensive but has limitations, including vaccinations, annual exams, and flea, tick and heartworm prevention.

The Wellness Routine Care Plan is allowed as an add-on to the BestBenefit and the Accident Only Plan.

Not Included in Coverage

  • Pre-existing conditions
  • Preventive, elective, and cosmetic procedures
  • Food, including prescription food
  • Boarding and grooming

Cost Options

Progressive Pet Insurance has three different plans that differ based on the percentage you want to pay out of pocket.

After your deductible is met, you can choose your coverage limit (70%, 80% or 90%).

The Bottom Line

It is very similar to Healthy Paws, as it has all the same deductible and reimbursement options and no maximum limit.

Additionally, it does also offer a wellness plan that you can add on to either plan.

Trustpilot score: 1.5 out of 5

12. USAA Pet Insurance (Issued by Embrace Pet Insurance)

USAA has teamed up with Embrace Pet Insurance to give customers great coverage at special discount rates because of their relationship with the military.

If you have served in the military or have a relative who is a USAA member you may qualify for USAA Pet Insurance.

It’s a great deal for people who have served in the military.

The policy will cover everything that is normally covered by Embrace Pet Insurance. This includes accidents, illnesses and routine veterinary care.

The Bottom Line

Since it is part of Embrace Pet Insurance, it seems like a great option for military members to explore.

Trustpilot score: 1.3 out of 5 (for USAA–Embrace gets 4.5 out of 5–see review above)

13. American Modern

American Modern Pet Insurance policies are written by American Modern Home Insurance and have a variety of different plans for your dog or cat.

Coverage

With American Modern, you can design a plan based on your needs. It can include accidents, illnesses, breed-specific conditions, and alternative therapies or rehab.

Optional coverage could include wellness and routine care, and up to $1,000 of dental in most states.

Medications are covered under a standard plan in most states.

If they are not covered on a standard plan in your state, you may be able to elect optional coverage.

Not Included in Coverage

No cosmetic, elective or preventive procedures are covered by insurance. These type of services are usually things like tail docking, ear cropping, and declawing.

Pregnancies are also not covered. Lastly, pre-existing conditions are not covered but you can still get coverage for other hereditary conditions.

Pet Insurance Discounts

American Modern Pet Insurance also offers discounts for:

  • Enrolling multiple pets
  • Choosing to pay annually vs. monthly (Only available in New York.)
  • Spaying or neutering (Only available in New York.)
  • Being a full-time military member
  • Signing up with your company and employee discount

Trustpilot score: Listed but no reviews as of this writing

14. Pet Premium Pet Insurance

Pet Premium insurance has two main plans for your pet insurance needs.

Accidents-Only Coverage Plan

  • Reimbursement percentage: 70%, 80% or 90%
  • Annual limit: from $2,500 to unlimited
  • Annual deductible: $100, $250 or $500

This plan covers ongoing conditions, accidents, alternative therapies, and preventive care options for an additional fee.

Total Coverage Plan

  • Reimbursement percentage: 70%, 80% or 90%
  • Annual Limit: from $2,500 to unlimited
  • Annual deductible: $100, $250 or $500

This plan covers everything the Accidents-Only plan covers, as well as illness, hereditary or congenital conditions, and behavioral treatments.

Note that all preventive care is a separate cost.

Preventive Care Options

Pet Premium has a great preventative care option with three different packages.

In my research, I haven’t found any other provider with this comprehensive of a preventive plan.

  • Basic Plan ($9.95 per month) — $250 per year
  • Standard Plan ($14.95 per month) — $350 per year
  • Prime Plan ($24.95 per month) — $500 per year

All three of these plans are monthly and factor into the overall cost. For example, the basic plan is $9.95 per month or $119.40 annually.

You are only responsible for the $119.40 and Pet Premium will cover the rest.

This is one of the most noteworthy pet insurance providers on the list. I certainly recommend learning more about all the options available.

Trustpilot score: Listed but no reviews as of this writing

Summary

If you don’t have pet insurance, I recommend getting some quotes from these providers.

Take action by visiting a few sites and find a plan that works for your budget and pet. The peace of mind you will have from pet insurance is a relief.

I’d argue it’s equal to protecting your car or home. This seems like one of the easiest bills to pay each month.

Comments

  1. This is a best list of a pet insurance company. I personally suggest ASPCA.

    • Thank you and thanks for the suggestion!

Comments are closed.