July 12, 2024
A guide to the best insurance providers for your pets

Table of Contents


Pet insurance can help you reduce your out-of-pocket medical expenses for your pet. Plans cover a variety of costs, including accidents, hereditary diseases, and veterinarian visits. However, there are significant differences between plans, such as price, coverage, and extra services. It is important to do your research before choosing a plan.

Pets Best is our top pick because it offers a variety of customizable plans and a strong focus on mobility issues. We also explore other options that cater to different budgets, health needs, and personal preferences.

Best Pet Insurance Companies

  • Pets Best – Best pet insurance overall
  • ASPCA – Best pet insurance for pets with hereditary conditions
  • Figo – Best pet insurance for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best pet insurance for pets advanced in age
  • Fetch – Best pet insurance for high reimbursements
  • Spot – Best pet insurance for unlimited coverage
  • Pumpkin – Best pet insurance for young kittens and puppies
  • Nationwide – Best pet insurance for exotic animals
  • Healthy Paws – Best pet insurance to cover alternative therapies

Quick Verdict

Both your financial situation and your pet’s individual needs should be taken into account when settling on the best pet insurance policy for you. When you protect your pet with insurance, you can rest easy knowing that your family’s financial situation is secure.

If your pet becomes ill or injured and requires medical attention, this best pet insurance coverage will protect you from paying the total cost out of pocket.

Pets Best Insurance is our top choice for those seeking full coverage for their pet’s medical needs.

1. Pets Best – Best Pet Insurance Overall

Pets Best Pet Insurance Pros:

  • Covers pets as young as 7 weeks old
  • Covers wheelchairs and other mobility aids
  • No upper age limit

Pets Best Pet Insurance Cons:

  • Does not cover parasite-related medical care
  • Must wait until renewal date to upgrade coverage

Choices are easy with Pets Best because of the wide range of available deductibles and policy types. They are an excellent option because they cover pets of all ages, from puppies and kittens to senior citizens.

As an added bonus and being one of the best pet insurance providers, the firm ensures that mobility issues and the necessary aids and appliances are also covered.

However, certain conditions are not covered by Pets Best insurance. For example, if your pet has been diagnosed with a condition like achondroplasia that affects only one side of its body, you won’t be reimbursed if the condition spreads to the second side.

Pets Best Pet Health Insurance Policy Cost: 4.5/5

Pets Best’s premiums are in the middle of the pack among pet insurance providers.

Pets Best Insurance for Pets Discounts: 5/5

A discount is available for those who pay annually, are in the armed forces, or have more than one furry friend. Depending on the laws of your state, you may be able to stack discounts to a total of 12% off your purchase.

Pets Best Dog, Cat, and Exotic Pet Insurance Coverage: 5/5

If your pet is older than a certain age, don’t worry; Pets Best still offers coverage. Even if your pet is just seven weeks old, you can get a policy for it. In addition, there is no maximum age, making Pets Best a fantastic option for geriatric pets.

Pets Best is among the few insurers that offer protection for prosthetics and wheelchairs for pets. These items can greatly affect a pet’s quality of life but can be quite pricey.

Pets Best Pet Insurance Plan Options: 5/5

Insuring your pet with Pets Best, one of the best pet insurance providers, means choosing from a range of flexible coverage options. There is a wide variety of protection plans from which to choose. To adjust your plan, you must put it on hold until your renewal date.

Pets Best Animal Insurance Claim Processing Time: 4.8/5

If you choose this pet insurance company, you may be required to wait up to 45 days to get reimbursed, which is slightly longer than the average waiting period.

Overall Score: 4.9/5

>> Check the best price for Pets Best

2. ASPCA – Best Pet Insurance for Pets With Hereditary Conditions

ASPCA Pet Insurance Pros:

  • Covers implanting microchips and stem cell therapy.
  • No upper age limit.
  • Safeguards for all genetic disorders and congenital anomalies.

ASPCA Pet Insurance Cons:

  • It costs more money to make monthly payments.
  • The website’s interface is not always user-friendly.

Premiums and deductibles for insurance through the ASPCA, one of the best pet insurance agencies, are reasonable and flexible. Preventative care, accidents, and illnesses are all covered under different options. All ages can enroll in ASPCA’s genetic and congenital diseases coverage.

No preexisting conditions will be excluded from coverage, regardless of whether they were known at the time of enrollment. Symptom-free status for the past six months is sufficient for the inclusion of treatable conditions. Still, customers mentioned that getting your money back could take some time.

ASPCA Pet Health Insurance Cost: 5/5

Insurance policies offered by the ASPCA can be subscribed to for a low monthly rate. What’s more, you can customize the plan to your exact needs. One drawback is that a monthly premium payment schedule incurs a higher transaction fee than a yearly one.

ASPCA Insurance for Pets Discounts: 5/5

When customers ensure both their cat and dog, they will receive a 10% discount.

ASPCA Dog, Cat, and Exotic Animal Insurance Coverage: 5/5

All animals, regardless of age, are covered by the ASPCA’s insurance plan for congenital and inherited conditions. In addition, stem cell therapy and other treatments for potentially curable preexisting conditions are included.

ASPCA Pet Insurance Plan Options: 4,5/5

There are several different kinds of pet insurance packages available. The American Society for the Prevention of Cruelty to Animals, one of the best pet insurance providers, can help you sort through them. Additionally, all plans come with microchipping protection from the company.

ASPCA Animal Insurance Claim Processing Time: 4/5

Typically, claims take about a month to be processed, which can be very frustrating when you have to wait for a sizable invoice to be reimbursed.

Overall Score: 4.7/5

>> Check the best price for ASPCA

3. Figo – Best Pet Insurance for Reimbursements

Figo Pet Insurance Pros:

  • Affordable deductibles are available.
  • One can request a full refund if they so choose.
  • The maximum age is not a limiting factor.

Figo Pet Insurance Cons:

  • 6-month waiting period for orthopedic claims
  • No coverage for hereditary diseases in dogs and cats registered after 2 years old
  • Preventative care is not covered

The insurance plans provided by Figo are not subject to annual limits, but there are lifetime maximums. Customers can pay more for comprehensive policies that cover all medical expenses.

Some pet owners may feel uneasy due to the lack of preventative treatment options and hereditary disease restrictions.

Figo Pet Health Insurance Policy Cost: 4.5/5

Although Figo’s insurance is more expensive than that of some competitors, its lower out-of-pocket costs (for things like copayments and deductibles) and absence of a maximum benefit guarantee more than make up for the difference. If your pet is more likely to need veterinary care, this discount can help you save money on those visits.

Figo Insurance for Pets Discounts: 5/5

A lower insurance premium may be within your reach, but you’ll need to get in touch with customer service to find out what kind of discounts are available in your area.

Figo Pet Insurance Coverage: 5/5

As there are no caps on the total amount of benefits paid out each year, you can rest assured that you will be fully covered. Contrarily, there are limits placed on inheriting a parent’s medical conditions. Moreover, Figo does not offer any sort of health insurance or maintenance plans.

Figo Dog, Cat, and Exotic Animal Insurance Coverage: 4/5

There are three options for coverage that Figo provides. There are a variety of reimbursement plans from which to choose, but no additional coverage can be added to the policy.

Figo Animal Insurance Claim Processing Time: 4.5/5

Most pet insurance policies have a standard time limit of 30 days in which to resolve a claim.

Overall Score: 4.6/5

>> Check the best price for Figo

4. Lemonade – Best Pet Insurance to Process Claims Fast

Lemonade Pet Insurance Pros:

  • Multiple ways to save money
  • A portion of your payments go to animal welfare groups
  • Claims are processed quickly.

Lemonade Pet Insurance Cons:

  • Interest rate may be affected by credit score
  • Only available in 36 states
  • Requires assessment and current veterinary records

Lemonade offers a wide variety of coverage options, with the added benefit of allowing for the inclusion of services like preventative screenings, medical exams, and even some alternative treatments.

The speed with which claims are processed is a major selling point for this insurer.

Lemonade Pet Health Insurance Policy Cost: 5/5

Plan premiums from Lemonade are typically cheaper than the market average for best pet insurance policies.

Lemonade Insurance for Pets Discounts: 5/5

When clients choose to purchase additional insurance policies from Lemonade, they are rewarded with the best pet insurance special discounts.

Lemonade Dog, Cat, and Exotic Animal Insurance Coverage: 4/5

Based on our examination under the lemonade pet insurance review, the age limit for coverage of certain animals is often as low as seven years old. The average age limit for coverage on a pet insurance policy is much higher than this.

Lemonade Pet Insurance Plan Options: 4/5

Various coverage options are available through Lemonade. The plan you select also includes the possibility of purchasing supplemental insurance. Regrettably, not all states provide access to Lemonade plans.

Lemonade Animal Insurance Claim Processing Time: 4,5/5

The Lemonade app streamlines the claims process, and users can typically expect a refund within minutes of submitting their request.

OverallScore: 4.5/5

>> Check the best price for Lemonade

5. Embrace – Best Pet Insurance for Pets Advanced in Age

Embrace Pet Insurance Pros:

  • Generous payouts
  • Covers pre-existing conditions
  • No age cap
  • Deductible cap lowers each year

Embrace Pet Insurance Cons:

  • Not available in US possessions or Canada
  • Only covers cats and dogs

Embrace is among the best of the best because of its Wellness Rewards program, which requires annual payments from policyholders. This plan includes a waiver of the deductible after a period of time has passed and a 30-day grace period.

Embrace Pet Insurance has an age limit of 15 years old for accident and illness coverage. For pets over 15 years old, Embrace only offers accident-only coverage.

Embrace Pet Health Insurance Policy Cost: 5/5

Embrace’s premiums are low, and the plan’s deductible is always sliding down. Your yearly deductible will decrease as long as your pet remains healthy. The deductible will be reduced by $50 per year if you do not submit a reimbursement request.

In the end, this can reduce the amount of money you have to spend. A significantly greater reimbursement level may result in higher monthly premiums.

Embrace Insurance for Pets Discounts: 5/5

Embrace gives you the option, based on your qualifications, to receive several price reductions.

Your premium may be discounted by 10% if you have multiple pets. If you are a member of the armed forces, you may be eligible for a 5% discount; and if you are an employee, you may be eligible for a 10% discount.

Embrace Dog, Cat, and Exotic Animal Insurance Coverage: 4/5

Age shouldn’t be a reason to neglect your pet’s needs, especially if you share your home with one. Increased preventative care and treatment are warranted for senior pets due to their increased susceptibility to illness and injury.

If you have a pet younger than 15 years old, Embrace will insure them at a discounted rate. Selecting an accident-only policy may be the best option for your senior pet.

Embrace Pet Insurance Plan Options: 4/5

Embrace’s Wellness Rewards Plan is not covered by the company’s standard health insurance policy, but rather requires members to set aside money on their own.

Embrace Animal Insurance Claim Processing Time: 4/5

For pet reimbursements to be processed, the average time frame is around a month.

Overall Score: 4.4/5

>> Check the best price for Embrace

6. Fetch – Best Pet Insurance for High Reimbursements

Fetch Pet Insurance Pros:

  • Available in all 50 states and D.C.
  • Covers traditional and alternative dental care
  • Waive the waiting period for knee injuries
  • Covers boarding costs in case of hospitalization

Fetch Pet Insurance Cons:

  • Pets under 6 weeks old are not eligible
  • No plans for exclusive health or accident coverage

In the event of an accident or illness, this insurance offers coverage for a variety of services, including behavioral therapy, dental trauma, veterinary visits, cancer treatment, and MRIs.

Fetch offers pet insurance for pet owners who need to place their pets in a boarding facility while they get medical care: up to $1,000 of coverage.

This company offers detailed materials on the type of expenses that are covered, an extensive list of frequently asked questions, and a mobile application that lets clients keep an eye on their accounts, submit claims and digitize medical records.

Axis Insurance Company and XL Specialty Insurance Company are the underwriters of the policies that are sold by Fetch, which is based in New York.

Fetch Pet Health Insurance Policy Cost: 4/5

The cost of Fetch’s pet insurance plans differ significantly depending on the animal’s species, age, breed, and gender, as well as where the policyholder is located.

Generally, their rates are competitive with other companies in the market. On the other hand, we noticed that their premiums for senior dogs can be significantly higher than competing providers.

Fetch Insurance for Pets Discounts: 4/5

To be eligible for a discount when insuring your animal through Fetch, these are the requirements that must be met:

  • Veterans and those currently enlisted in the military, both past and present.
  • Individuals who typically make insurance payments on an annual or quarterly basis.
  • Acquiring an animal through a shelter or taking it in as a new family member.
  • Keeping a record of no claims made over a particular period of time.
  • People who are associates of AARP
  • Veterinary services tailored to pets by experts.
  • People who work in veterinary clinics.

Fetch Dog, Cat, and Exotic Animal Insurance Coverage: 4/5

Fetch’s pet insurance policy encompasses any and all unforeseen events, such as traumas, long-term illnesses, hereditary issues, and other medical crises.

The cost of screening, dental procedures associated with an illness or injury, prescription medications, special treatments, and alternative forms of treatment will be paid up to the annual limit.

Fetch Pet Insurance Plan Options: 5/5

Fetch only offers one health and accident insurance plan, but you can choose between three different annual limits when you purchase it online – $5,000, $10,000, and $15,000. When you contact them by phone, you can get even more coverage, up to an unlimited annual benefit.

Each year, you can select a deductible between $250 and $1,000 with $50 increments in between. In addition, reimbursement rates can vary from 70% to 90%.

Fetch Animal Insurance Claim Processing Time: 4/5

Fetch requires three essential waiting times:

  • For any illness, a 15-day waiting period is required.
  • In the event of an accident, a 15-day period is also necessitated.
  • Injuries to the anterior cruciate ligament, patellar tendinitis, and hip dysplasia, on the other hand, necessitate a six-month waiting period.

Compared to other pet insurance companies, Fetch has a longer waiting period of 15 days for accidents.

For example, Embrace, and Lemonade have two-day accident waiting periods, whereas Figo has a one-day waiting period. Regarding illness, Fetch’s waiting time is a mere one day more than the average waiting period of the pet insurance companies that were looked at.

For those who have pets that might be prone to certain medical issues, such as cruciate ligament tears or hip dysplasia, the six-month waiting period for Fetch may be too long.

In that case, you should investigate the policy options available from the American Society for the Prevention of Cruelty to Animals (ASPCA).

Overall Score: 4.2/5

>> Check the best price for Fetch

7. Spot – Best Pet Insurance for Unlimited Coverage

Spot Pet Insurance Pros:

  • Unlimited coverage
  • Covers alternative treatments
  • Low deductible

Spot Pet Insurance Cons:

  • No coverage for tendons and joints
  • No customer service on weekends
  • Young animals cost more

Spot is an excellent choice for those seeking comprehensive pet insurance with little or no coverage caps. You should make the most of low-or no-cost office visits and the lower costs associated with meeting your plan’s deductible.

Keep in mind that selecting a plan with a relatively low copayment or deductible may result in a higher premium for you to pay each month.

Spot Pet Health Insurance Policy Cost: 4/5

Spot’s pet insurance premiums are prohibitively high for younger animals, but there is no upper age limit for coverage. Having this all-inclusive coverage means you won’t have to worry about paying anything out of pocket for veterinary care.

Choosing a deductible as low as $100 can greatly reduce your out-of-pocket costs.

Spot Insurance for Pets Discounts: 4/5

Discounts of up to 10% off the standard rate are available if you choose to insure multiple pets with the same company.

Spot Dog, Cat, and Exotic Animal Insurance Coverage: 4/5

Spot is highly regarded as one of the best pet insurance providers because of the incredible value of its unlimited coverage. Only a select few insurance companies offer comprehensive policies.

Spot Pet Insurance Plan Options: 4/5

Preventative, accident/sickness, and accident-only plans are available. In addition, you get to determine the level of protection that best serves your needs.

Spot Animal Insurance Claim Processing Time: 4/5

Two weeks after a pet owner enrolls their animal in pet insurance, the policy goes into effect, and the pet is covered. Quick action is taken on claims in the usual course of events.

Overall Score: 4/5

>> Check the best price for Spot

8. Pumpkin – Best Pet Insurance for Young Kittens and Puppies

Pumpkin Pet Insurance Pros:

  • 30-day money-back guarantee
  • Covers veterinarian-prescribed animal medications
  • Ships within 2 weeks
  • No age restrictions

Pumpkin Pet Insurance Cons:

  • Limited deductible options
  • No annual reimbursement adjustment
  • Limited coverage

Consider adding Pumpkin’s preventative care feature for your plan to be even better. Various vaccination and healthcare costs are included in this plan. Parasite detection tests may even be covered in some jurisdictions making this firm to be one of the best pet insurance options.

Pumpkin Pet Health Insurance Policy Cost: 4/5

While Pumpkin’s insurance policies are more expensive than those offered by some of their competitors, they are still affordable. Some wellness services are fully refundable, and you can take preventive care for your young furry friends.

Pumpkin Insurance for Pets Discounts: 4/5

According to our Pumpkin pet insurance review, the standard premium can be reduced by 10% if you decide to insure multiple pets with the same company.

Pumpkin Dog, Cat, and Exotic Pet Insurance Coverage: 4/5

Animals in their prime are the best candidates for the supplemental care plans offered by Pumpkin. It is covered as long as the treatment is prescribed and performed by a veterinarian. The treatment of persistent pain and arthritic pain are examples of widely used therapies in this category.

Moreover, Pumpkin will pay for vet-prescribed diets for pets with special needs.

Pumpkin Pet Insurance Plan Options: 3/5

Pumpkin allows for wellness and preventative care to be covered by a single plan. Although 90% coverage is available, there exists only one reimbursement option, and it may not be feasible for all people.

Pumpkin Animal Insurance Claim Processing Time: 4/5

The two-week waiting period offered by Pumpkin is much shorter than that of some of the other leading options in pet insurance. This can be helpful if your furry friend is experiencing a medical emergency. When dealing with claims, a typical turnaround time is one month.

Overall Score: 3.8/5

>> Check the best price for Pumpkin

9. Nationwide – Best Pet Insurance for Exotic Animals

Nationwide Pet Insurance Pros:

  • 24/7 customer service
  • No provider restrictions
  • Covers exotic pets

Nationwide Pet Insurance Cons:

  • Reimbursement cap
  • $250 deductible
  • Age restrictions

Choose Nationwide for the best pet insurance services if you have an unusual pet. Check the policy’s details to ensure that your pet is on the list of covered animals. You can get a quote and enroll in coverage for your dog or cat on the company’s website, but if your pet is not a dog or cat, you’ll need to call them at 844-244-3691.

Nationwide Pet Health Insurance Policy Cost: 3.5/5

Superior pet health insurance typically includes a reimbursement plan of at least 50%. In the event that you don’t file many claims, this can reduce your premium and save you money. You’ll still have to pay out of pocket for your pet’s care, but the reduced reimbursement rate may be preferable.

Nationwide Insurance for Pets Discounts: 3/5

One of the best pet insurance policies about Nationwide is that it’s possible to save 5% if you insure multiple pets with the same company. Pet insurance premiums may be discounted further if you have other policies with Nationwide or if your company participates in a partnership pet insurance program.

Nationwide Dog, Cat, and Exotic Animal Insurance Coverage: 5/5

However, not all pet insurance policies will cover more unusual animals. But with a policy from Nationwide, a well-known and one of the best pet insurance companies, policyholders can cover a wide variety of animals.

Nationwide Pet Insurance Plan Options: 3/5

There are four plans available from Nationwide, ranging from covering only the most catastrophic costs to covering everything from annual checkups to exotic animal care. A $250 deductible is the only deductible level for any of the policies.

Nationwide Animal Insurance Claim Processing Time: 3/5

The typical time frame for a pet insurance claim to be processed is one month.

Overall Score: 3.5/5

>> Check the best price for Nationwide

10. Healthy Paws – Best Pet Insurance To Cover Alternative Therapies

Healthy Paws Pet Insurance Pros:

  • Cash payouts for eligible expenses
  • Coverage for alternative treatments
  • Quick claim reimbursement

Healthy Paws Pet Insurance Cons:

  • No coverage for wellness exams
  • Limited coverage for senior pets
  • Only one type of coverage offered

Whether you have a cat or a dog, Healthy Paws, one of the best pet insurance firms, has you covered with customizable policies that include deductible choices. Additionally, there are no maximum payouts set in place. Their mobile app allows you to quickly complete the claims process.

You may have the option of direct payment on your veterinary bill if you are having financial difficulties paying for a procedure. If you want the best pet insurance with the greatest benefits and the highest reimbursement, you should sign up your pet when they are young.

Healthy Paws Pet Health Insurance Policy Cost: 4/5

In large part due to the absence of a maximum payout, Healthy Paws’ premiums are higher than those of competing pet health insurance providers. A one-time enrollment fee of $25 is also required.

Healthy Paws Insurance for Pets Discounts: 1/5

Healthy Paws Plans are not eligible for discounts of any kind. Still, there is a rule that can be applied to your situation.

Healthy Paws Dog, Cat, and Exotic Pet Insurance Coverage: 4/5

Healthy Paws stands as one of the best pet insurance providers out there because it includes reimbursement for non-traditional therapies like hydrotherapy, physical therapy, acupuncture, and massage. The benefits that your pet can enjoy are limitless.

In this show, there are no limits on the length of an episode, the number of years you can watch it, or even your pet’s age. However, there is a cap on hip dysplasia insurance.

Healthy Paws Pet Insurance Plan Options: 3/5

According to our Healthy Paws pet insurance review, a comprehensive policy that covers illness and accidents is the only option and provides extensive protection.

Healthy Paws Animal Insurance Claim Processing Time: 3/5

Customers of many insurance companies must wait up to a month for their claims to be settled. On the other hand, using the Healthy Paws mobile app can speed up the process and finish it in less time.

Overall Score: 3/5

>> Check the best price for Healthy Paws

What Is Pet Insurance?

The best pet insurance services can help cover the treatment costs if your pet is injured or becomes ill. While most insurers cover canine and feline companions, some even cover birds and reptiles.

In contrast to human health insurance, which typically includes preventative care at no extra cost, pet insurance typically does not cover this type of care unless you pay an extra premium.

Vaccinations, parasite prevention, dental care, and microchipping are all examples of expenses that may fall under this category. The best pet insurance plans don’t restrict you to a specific network of veterinarians or other service providers; you can seek care from any licensed veterinary expert in the country.

Coverage in additional international locations, such as Canada and Puerto Rico, is being made available by some service providers.

>>Check the best price for Pets Best

Types of Pet Insurance

To decide whether or not to purchase pet insurance, you should first evaluate your financial position and establish the maximum amount you would be willing to shell out in the case of an emergency.

There is a wide range of options for pet insurance, each with its own specifics and price tag. When shopping for the best pet insurance services, it’s important to thoroughly understand the various policy options and the coverages they provide.

  • Wellness plans – Individual packages and add-ons covering preventive care are available for purchase. Vet visits, dental care, spaying/neutering, vaccinations, and parasite preventative meds are all paid for with these.
  • Accident & Illness policies – You can rest easy knowing that your pet is protected from illness and accidental injury with one of these comprehensive policies. Health insurance, which is not included in most basic plans, is a popular add-on for those looking for a more comprehensive package.

  • Accident-only policies – Coverage and premiums for pet insurance vary widely from one policy to the next. To make an informed choice when shopping for pet insurance, it’s important to understand the different types of policies and what each covers.

A copy of an insurance company’s policy can usually be obtained from the company’s website and can be used to help you decide whether or not the company is the best pet insurance option for your needs.

Think about what you’ll need and what you’ll get, and make sure you understand the restrictions and exclusions. If you and your pet have identified the best pet insurance policies and are happy with the conditions, noting that they are competitive with what is offered by other companies, you can move forward with the registration process.

>> Check the best price for Pets Best

How To Choose the Right Pet Insurance Company

There are several factors to consider when shopping for a pet health insurance policy. The following advice can help you find the most suitable and best pet insurance provider and plan for your needs.

Think about the level of protection you need. Pet owners can typically choose from one of three types of insurance:

  • Exotic pet insurance: Policies designed for pets other than cats and dogs, such as geckos, bunnies, snakes, and hamsters.
  • Accident and illness insurance: Included in this category are cases involving ear infections, cancer, urinary tract ailments, objects that have been swallowed, fractures, etc.
  • Wellness insurance: Provided care includes immunizations, wellness assessments, declawing, and desexing, and even routine grooming services like nail clipping and ear cleaning.

It’s important to understand what is and isn’t covered by the policy. You have to know what illnesses, diagnostics, and treatments are covered for your pet and any restrictions based on the animal’s age.

Ensure the insurance policy covers the cost of medical care if you own a breed of pet predisposed to developing a heritable or congenital condition, such as hip dysplasia or asthma. Keep in mind that pre-existing conditions are typically not covered by insurance.

Selecting a deductible is an important part of purchasing the best pet insurance. The deductible is the portion of medical costs you must pay cash before your insurance company begins to pay anything.

Deductibles are a standard feature of even the best pet insurance plans, just like they are with human health plans.

Companies included in our analysis typically offer two distinct types of deductibles:

  • Per-condition deductibles: The amount you are required to pay before a condition is treated becomes known as the precondition deductible. Heart disease, arthritis, liver disease, and cancer are just a few of the conditions that could result in a deductible that’s significantly higher than usual under some plans.
  • Annual deductibles: The yearly deductibles are similar to those in health insurance for humans. In any given year, you’ll be on the hook for a set dollar amount (say, $500) to cover any and all forms of care that qualify as covered by the plan. When your deductible has been met, the insurance company will pay any costs below the policy’s maximum.

An annual deductible may be preferable to paying a higher percentage of each bill if you frequently take your pet to the vet for treatment of multiple conditions. It may be more cost-effective to have a deductible for a specific condition if your pet is experiencing an issue that requires ongoing care or multiple visits to the veterinarian.

Both deductible structures have benefits and drawbacks, and neither is inherently better than the other. Find out the terms of repayment.

The percentage of eligible expenses for which an insurer will request reimbursement. Reimbursement percentages for veterinary care typically fall within a range of 60% to 100%, though this can vary widely between insurance providers.

Find out the bounds of the allowed behavior. When insurance companies talk about spending caps, they’re referring to how much money they’ll pay out in total for all insured expenses in a given time period (e.g., $10,000 per year).

Some insurance companies do not cap outgoing payments, while others have annual maximums in place.

If your insurance policy has an annual maximum, the company will only pay claims up to that amount. You’ll have to foot the bill until the next plan year begins for any expenses that rise above the cap.

Find out if you can modify your insurance premiums to better suit your budget. For a lower or higher premium, policyholders may be able to modify certain aspects of their coverage with some insurance providers.

Because each insurance company is different, it can tailor your premium to your budget or veterinary care needs by adjusting the deductible, the percentage of costs covered, and the maximum amount covered.

In most cases, you can get a better deal on your insurance premium by lowering your deductible and copayment amounts. To lower your monthly insurance payments, raising your deductible is one option. Remember that if your pet has ongoing or expensive medical needs, you may have to pay more out of pocket.

Try haggling for a lower price if you can. It’s possible to find discounts on insurance policies through limited-time promotions from select providers. The available discounts can be of various types. The annual payment, multiple pets, military, and employee benefit discounts are all examples.

When additional policies (like home insurance) are purchased from the same provider, discounts can be as high as 10%, as provided by Lemonade. Consider several additional factors when selecting a pet health insurance plan to meet your pet’s medical needs.

Most of the businesses we evaluate offer a wide range of contact methods for customers needing assistance, including email, phone, live chat, and mobile app support.

You can find an insurer that fits your policy management and claims processing needs by comparing the service and support and additional help offerings of different insurers.

There are several optional coverage additions and policy riders that you should think about before settling on an insurance provider. Our ratings include businesses that provide wellness plans that cover services like acupuncture, chiropractic care, and hydrotherapy.

If you’re trying to decide between two equally good options, looking at customer service and optional extra coverage might help.

>> Check the best price for Pets Best

How Does Pet Insurance Work?

Pet insurance aims to reimburse you for reasonable and necessary veterinary care. There are, however, some additional restrictions that are explained in the fine print of the policy.

  • Network restrictions: Unlike human health insurance, most pet insurance plans do not require their members to use a specific network of healthcare providers. However, some insurance companies may limit the services a given veterinarian provides. Restrictions could be based on where you live; for example, taking your pet to Puerto Rico or Canada might not be covered.
  • Exclusions: Remember that some illnesses or injuries may not be covered when comparing pet insurance plans. To know what is and isn’t included in the policy’s coverage, it’s important to read the fine print before purchasing.
  • Waiting Periods: You will have to wait a predetermined period of time before your insurance company will pay for medical treatment.

The majority of insurance providers have a waiting period of 14 days before they will reimburse you for vet bills related to an illness.

>> Check the best price for Pets Best

What Does Pet Insurance Cover?

In the event of an accident or illness, pet owners can turn to the best pet insurance options to help cover the cost of vet visits, prescription medications, and even overnight stays in the animal’s care.

Those who choose to insure their pets only against accidents will find their coverage severely limited, as only accidental injuries will be covered, and preexisting conditions will not be covered at all.

The following are some common types of injuries and accidents that are typically covered by the best pet insurance companies around:


  • Hepatitis.
  • Arthritis.
  • Epilepsy.
  • Cancer.
  • Orthopedic conditions such as torn ligaments or hip dysplasia.
  • Stomach and intestinal problems.
  • Urinary tract infections.
  • Diabetes.
  • Skin or ear infections.
  • Allergies.


  • Torn ligaments.
  • Ingesting a foreign object.
  • Poisoning.
  • Bite wounds and cuts
  • Broken bones (including teeth)

Most pet insurance policies won’t pay out for the full value of your pet, but some will cover the cost of cremation and burial.

Pet owners can protect themselves financially if their pet is injured or killed by purchasing one of the best life insurance policies, which will pay out the policy’s payout regardless of who was at fault.

Rare breeds of dogs and other dogs with specific roles in society, such as show dogs, breeding dogs, and service dogs, often command high prices, and it makes sense to protect this investment with the best pet insurance.

>> Check the best price for Pets Best

Poisons in Your House to Watch Out For

There are items in our homes that could harm our pets if they were to ingest them, so we need to exercise caution. Below is a quick rundown of the areas where you should be especially watchful:

  • Prescription medications for people. Antidepressants, seizure medications, and heart medications are all examples of this category of drugs.
  • Over-the-counter medications. Paracetamol, flu and cold remedies, ibuprofen, vitamins, and other dietary supplements all fall under this category.
  • Chocolate. Some pets, including dogs and cats, should not eat this tasty treat.
  • Garden products. Fertilizers, especially those made from natural materials, may look appealing to your dog, but they can be harmful if ingested.
  • People’s food. Although it’s tempting to share your food with your pet, many human foods contain ingredients that are toxic to animals. Garlic, grapes, onions, protein bars, and dry goods like raisins and onions might fall into this category. Not only should your pet stay away from sugar, but they should also stay away from xylitol, a synthetic sweetener that can be found in sugar-free candies, energy bars, and protein powder.
  • Household toxicants. Products like toiletries, cleaning materials, and hardware for home repairs should all be considered.
  • Bouquets and plants. It’s important to be cautious around any growing plants in or around your home or yard.
  • Rodenticide. Consuming rodenticide can be highly dangerous for animals, causing issues such as internal bleeding, renal malfunction, seizures, and in extreme cases, even death.
  • Insecticide. Because of the potential toxicity to your pet, you should avoid using bug or ant sprays in the home. Because of this, it is suggested that you look for alternate options suitable for pets.
  • Veterinary products. Chewable medications, including tranquilizer chews, are one example of products that can be harmful if consumed in full by an animal.

>> Check the best price for Pets Best

Most Insured Pet Breeds

Based on information compiled from Petinsurer.com quote requests, domestic shorthair cats and medium-sized mixed-breed dogs are the most frequently insured pets, accounting for 22.4% and 52.5% of requests, respectively.

These pet owners go out of their way to seek out the best pet insurance there is for them. With 4.3% of all purebred dog quotes, Golden Retrievers are far and away the most popular choice, Goldendoodles and German Shepherds follow at (3.9%) and (3.5%) respectively.

For insurance purposes, purebred cats such as the Siamese, Maine Coon, and Ragdolls follow at (2.3%),(2.1%), and (1.9%) respectively.

Possessing the best pet insurance has always been beneficial for your furry friend and you regardless of breed, even though some types of dogs dogs and cats have a higher risk of certain challenges, like hip dysplasia. This is so because illnesses like cancer and injuries like a torn knee ligament are also covered.

Most Common Pet Insurance Claims

According to Embrace pet insurance, the following are the most common reasons why owners had to file pet insurance claims for their dogs and cats in 2023:

  • Urinary tract infection
  • Ear infection
  • Diarrhea
  • Weight loss
  • Vomiting

>> Check the best price for Pets Best

What Is Excluded From Pet Insurance Coverage?

Before signing up for what you think is the best pet insurance, it’s important to read the fine print and ensure you fully understand what is and isn’t covered.

We’ll take a look at the top exemptions in the best pet insurance practice that come up most frequently among health insurance providers.

  • Illnesses caused by lack of preventive care – If you do not supply your pet with heartworm prevention, their heartworm treatment will not be compensated by insurance. This is also the case for diseases that could have been avoided through consistent vaccinations, tick and flea prevention, and regular dental cleanings performed by a professional.
  • Pre-existing bilateral conditions – Pre-existing conditions are not covered by pet insurance, so if your pet already had an injured leg before you got pet insurance, you would not be reimbursed for the injury. On the other hand, if the second leg develops the same problem in the future, that knee, too, will be ineligible for insurance coverage. Hip dysplasia, elbow dysplasia, and cataracts are just a few examples of other bilateral conditions that may be subject to this restriction.
  • Pre-existing conditions – Pet insurance covers dogs, cats, and other pets and will not receive reimbursement for medical expenses incurred before the policy’s effective date. Type 2 diabetes, asthma, cancer, and arthritis are all examples of chronic diseases.
  • Check-up fees – Check-up fees are typically not covered by pet insurance policies because companies argue that they are already factored into the cost of maintaining your pet (unlike unexpected injuries or accidents). However, some of the best pet insurance providers have started to cover the cost of routine veterinary visits.
  • Injuries or illnesses linked to owner negligence – Any injuries or illnesses sustained by your pet due to negligence, like not providing preventative medications, won’t be covered.
  • Routine care – Companies rarely reimburse their clients for routine veterinary care but offer supplemental plans that can cover more expensive procedures. Annual checkups, vaccinations, flea and tick prevention, dental care, and spay/neuter surgeries will all be covered by the fixed amount provided by these supplemental plans from the best pet insurance policies and riders.

>> Check the best price for Pets Best

How Much Does Pet Insurance Cost?

Insurance for cats is typically less expensive than insurance for dogs. Premiums for comprehensive plans covering accidents and illnesses cost about $50 per month for dogs and $30 per month for cats.

Premiums for the best pet insurance services can vary widely depending on several factors beyond your control and your chosen company.

Factors That Affect Your Pet Insurance Premium

The best pet insurance costs vary based on the following factors:

  • Preventative care add-ons – The most economical choice is to purchase a policy that covers medical expenses in the event of an accident or illness; however, preventative care services are also covered by some policies. Comprehensive plans provide safety from both everyday hazards and unexpected medical emergencies.
  • Pet’s age and breed – Pet insurance premiums for purebreds tend to be higher than those for mixed-breed animals. In addition to breed, an animal’s age is a factor in determining its premium rate, with rates increasing significantly for very senior pets. In addition, your options for insurance providers will narrow considerably when your pet reaches the ripe old age of 10 or 12.
  • Where you live – It’s common for pets to incur a higher premium in states like California and New York due to the high cost of living in major cities.
  • Deductibles – You can usually choose your deductible from several options your insurance company offers. While it’s common for best pet insurance companies to impose a single deductible that applies to all medical expenses, some also insist on separate deductibles based on whether or not an incident or condition occurred.

>> Check the best price for Pets Best

Additional Expenses To Keep In Mind

It’s important to factor in more than just the monthly premium when estimating how much pet insurance will cost. Understand that you may still owe some money even after your insurance begins paying for some of the costs.

When deciding how much to spend on the best pet insurance policies, it’s important to consider the following:

  • Payout caps – When you’ve reached your policy’s maximum payout, most plans will no longer reimburse you for any further medical expenses. Expenses are typically capped at a certain amount per year, though with some plans, there may be a cap on individual incidents or even the pet’s entire lifetime coverage. More expensive premiums are to be expected in proportion to the coverage cap.
  • Reimbursements – Typically, you’ll have to pay the veterinarian out of pocket for services and care before submitting a claim and getting reimbursed for 70-90% of what you spent. The vet may be paid directly by the service provider in some instances.

If you are trying to make the most of a limited budget for pet insurance, have a look at our page highlighting the best low-cost options.

>> Check the best price for Pets Best

How To Get Pet Insurance

Both pets and their owners will receive the same level of protection from a solid policy. What matters most is whether or not the benefits provided are all-inclusive and the level of coverage chosen by the pet owner. Coverage specifics and whether or not insurance is even available for pets shift from state to state and year to year.

Keep these factors in mind:

  • Choose an accident-only or an accident and illness policy – The latter costs more but covers more.
  • Add a wellness rider for extra protection – It covers preventative care like immunizations, dental cleanings, annual checkups, and parasite prevention.
  • Compare quotes from multiple companies – Prices vary considerably and you could save a lot by choosing the best offer for your pet.
  • Check what is and isn’t covered – Pay attention to chronic, hereditary and congenital issues, dental diseases, alternative treatments, and behavioral changes.
  • Choose plans with shortest waiting periods – Some insurers delay accident protection or specific conditions like hip dysplasia and knee injuries.
  • Consider providers with curable pre-existing conditions clauses – Some insurers cover new infections related to a pre-existing condition if the condition has been cured and symptom-free for 180 days before the policy starts. For example, a cat with a history of respiratory infections but no symptoms for 180 days can get coverage for new respiratory infections.
  • Adjust coverage amounts to fit your budget – You can lower your premiums by choosing a higher deductible or a lower reimbursement percentage, but you will also pay more out of pocket if your pet needs treatment.
  • Consider payout caps – A higher coverage limit or no payout cap will raise the monthly premium. Research the local estimated cost of veterinary care, especially for your pet’s breed or for “worst case scenarios,” to decide on a suitable payout limit.

Pet Insurance Discounts

If you want to reduce your monthly payment, you should claim all discounts to which you are entitled. Common types of sales discounts include:

  • Spay/neuter discount – Having your pet spayed or neutered before purchasing pet insurance can help you save money.
  • Bundle discounts – If you buy multiple services from the same company, you can get a discount on your homeowners or renters insurance.
  • Multipet discount – You’ll receive a discount for every additional animal you sign up with the same service.
  • Group discounts at work – Companies can get group discounts on the best pet insurance policies they offer their employees.
  • Military discounts – Active and retired military personnel are eligible for discounted prices.
  • Annual pay discount – Instead of paying for the policy over several months, you can save money by paying for it all at once.

In states where it is legal to do so, most businesses adhere to a “free look” or “cooling off” period during which customers can get their money back. As long as the pet owner hasn’t been paid or requested compensation for compensation, they have the right to cancel the contract within the first 30 days after subscribing and receive a full refund.

>> Check the best price for Pets Best

The Best Pet Insurance – FAQs

We answer the most common questions online about the best pet insurance.

Is Pet Insurance Worth It?

Due to the high cost of maintaining a pet, pet owners may wonder if it is worthwhile to invest in pet insurance.

Which is the best pet insurance? How do you invest? Investment in the best pet insurance pays dividends if:

  • Most people who sign up for the service do so because their pets are in good health.
  • Insuring your pet for various potential scenarios benefits everyone involved.
  • You can’t possibly pay for all of the expensive, unexpected vet bills that pop up.
  • Still, you can pay the premiums regularly and cover a portion (20-30%) of the costly veterinary care.

What Is the Best Pet Insurance for Dogs?

The following companies come highly recommended for canine health insurance:

  • Pets Best – Best dog insurance for pets overall
  • ASPCA– Best dog insurance for pets with hereditary conditions
  • Figo – Best dog insurance for reimbursements
  • Lemonade – Best dog insurance to process claims fast
  • Embrace – Best dog insurance for pets advanced in age
  • Fetch – Best dog insurance for high reimbursements
  • Spot – Best dog insurance for unlimited coverage
  • Pumpkin – Best dog insurance for young kittens and puppies
  • Nationwide – Best dog insurance for exotic animals
  • Healthy Paws – Best dog insurance to cover alternative therapies

What Is the Best Pet Insurance for Cats?

The best cat insurance companies currently on the market are those listed here.

  • Pets Best – Best cat insurance for pets overall
  • ASPCA– Best cat insurance for pets with hereditary conditions
  • Figo – Best cat insurance for reimbursements
  • Lemonade – Best cat insurance to process claims fast
  • Embrace – Best cat insurance for pets advanced in age
  • Fetch – Best cat insurance for high reimbursements
  • Spot – Best cat insurance for unlimited coverage
  • Pumpkin – Best cat insurance for young kittens and puppies
  • Nationwide – Best cat insurance for exotic animals
  • Healthy Paws – Best cat insurance to cover alternative therapies

Who Is the Best Pet Insurance?

Regardless of the criterion, these are the best pet insurance providers.

  • Pets Best – Best pet insurance for pets overall
  • ASPCA– Best pet insurance for pets with hereditary conditions
  • Figo – Best pet insurance for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best pet insurance for pets advanced in age
  • Fetch – Best pet insurance for high reimbursements
  • Spot – Best pet insurance for unlimited coverage
  • Pumpkin – Best pet insurance for young kittens and puppies
  • Nationwide – Best pet insurance for exotic animals
  • Healthy Paws – Best pet insurance to cover alternative therapies

Is Pet Insurance Expensive?

The premium you pay for the best pet insurance will change based on the coverage options you choose and the animal species you protect. The cost of a policy for a dog is typically higher than that for a cat.

Since prices across different companies can vastly differ, consider checking out our in-depth Pets Best pet insurance review, Figo pet insurance review, ASPCA pet insurance review, and the overall best pet insurance 2023 reviews, which will answer the question “is pet insurance worth it” and how much you have to pay for each coverage plan.

How Do Pet Insurance Companies Know About Pre-existing Conditions?

Before covering your pet, many insurance companies will require a veterinary examination or a look at the animal’s medical records. Insurance companies often require these kinds of examinations to identify pre-existing conditions that their policies won’t cover.

Is Pet Insurance Tax Deductible?

Those who claim their pets as service animals or working animals can deduct their veterinary bills. As an added bonus, you may be able to deduct the cost of the vet bills from your taxable income if you are trying to foster a furry friend through a charitable organization recognized by the IRS but not compensated for your time.

Many pet-related expenses are tax deductible, including those for medical care (both emergency and preventative), insurance, food, supplies, training, grooming, boarding, and transportation.

However, some requirements must be met to deduct the cost of a pet on your taxes, such as the pet’s ability to aid in the production of income or the satisfaction of a physical need.

Does Pet Insurance Cover Only Cats and Dogs?

Although insurance can be purchased for any pet, the vast majority of companies only cover cats and dogs because these species are the most commonly kept pets.

Methodology: How We Chose the Best Pet Insurance

To determine the best cheap pet insurance and figure out specific niches, we analyzed data and gave each company a score based on the following criteria:

  • Euthanasia or end-of-life expenses: We evaluated insurance companies based on whether they paid for final expenses like burial, euthanasia, and cremation in this section.
  • Direct payment to vet: We awarded pet insurance providers who can pay veterinarians directly a part of the possible score in this category.
  • Routine wellness plans: We gave providers of wellness and health programs better ratings for insurance companies in this section.
  • Pays veterinary exam fees: We looked at the proportion of insured pets who had their veterinarian visits covered by their policy to determine the best insurers in this category.
  • Pet insurance rates: We calculated the average expense of a dog insurance policy without a deductible of $500, maximum limit as well as a repayment rate of 90%, or the closest alternatives.
  • Special waiting period: We gave higher priority to policies that either didn’t have a waiting period at all, had a wait time of fewer than six months, or were designed to waive the waiting time.
  • Multipet discount: We gave companies that offer discounted rates for insuring numerous animals a bonus in this category. We rewarded businesses that provided savings for customers with multiple pets with incentives.
  • 24/7 vet health line: We gave insurers who provide a 24-hour helpline for animal medical emergencies a part of the possible points in this section.

>> Check the best price for Pets Best

The Best Pet Insurance of 2023: The Verdict

Getting your furry best friend covered with pet insurance is a reliable way to avoid expensive premiums and be reassured that your pet is safe.

Pets Best is the overall best pet insurance provider due to their flexible and highly customizable plans, fair pricing, and specialization in mobility issues. You can also consider any of the other companies we’ve listed below.

Best Pet Insurance Companies:

  • Pets Best – Best pet insurance for pets overall
  • ASPCA– Best pet insurance for pets with hereditary conditions
  • Figo – Best pet insurance for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best pet insurance for pets advanced in age
  • Fetch – Best pet insurance for high reimbursements
  • Spot – Best pet insurance for unlimited coverage
  • Pumpkin – Best pet insurance for young kittens and puppies
  • Nationwide – Best pet insurance for exotic animals
  • Healthy Paws – Best pet insurance to cover alternative therapies

This story was originally published June 7, 2023, 1:00 PM.

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Robert is a full-time freelance writer and editor specializing in the health niche and its ever-expanding sub-niches. As a food and nutrition scientist, he knows where to find the resources necessary to verify health claims. McClatchy’s newsrooms were not involved in the creation of this content. We may earn a commission if you make a purchase through one of our links.