May 22, 2024

Our experts answer readers’ insurance questions and write unbiased product reviews (here’s how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

The ASPCA estimates the annual cost of owning a dog or cat is upwards of $1,400. That includes food, routine medical care at the vet, toys, treats, and other pet-related expenses. That price can spike exponentially after even one major illness or accident. You could suddenly find yourself paying thousands for one surgery followed by hospitalizations, medications, and more.

Best Pet Insurance

Pet Insurance Company Reviews

When picking a pet insurance policy, consider whether you just want coverage for emergencies or if you’d also like some reimbursement for routine vet visits. Most policies only cover emergencies, but a growing number of providers also offer wellness plans for preventive care, which will add to your premium cost.

ASPCA Pet Insurance

The American Society for the Prevention of Cruelty to Animals (ASPCA) is a famous nonprofit focused on animal rights. In addition to this critical work, the ASPCA lends its name to affordable pet health insurance plans with great benefits. At this time, the ASPCA does not sell or underwrite insurance, but it does receive royalties to add its name to this pet insurance plan.

Coverage is available for dogs, cats, and horses. But most importantly, its policies offer a shorter waiting period than most providers for cruciate injuries (14 days). Pets must be at least eight weeks old to qualify for ASPCA pet insurance, but there’s no upper age limit. So senior pets can enjoy coverage through ASPCA pet insurance.

Owners with multiple eligible pets also get a 10% discount per month, which can add up. Standard plans with the ASPCA include coverage for things like congenital conditions, alternative therapies, and behavioral issues.

ASPCA Pet Insurance Review

Trupanion Pet Insurance

If you’re looking for flexible coverage to fit your budget, consider Trupanion. Its pet insurance provides illness and accident coverage for cats and dogs, including plans without limits and a per-incident deductible, saving you money if your pet has recurring health issues.

Pets over 14 years old are ineligible for coverage, and some services have a waiting period. But Trupanion also offers valuable add-ons that’ll cover boarding fees if a pet owner is hospitalized, behavioral and rehabilitative therapy, and coverage for unintentional property damage caused by a pet.

The most crucial distinction for Trupanion is its low out-of-pocket costs. Eligible customers can choose a $0 deductible with 90% reimbursement. So in a pet emergency, you only pay 10% of eligible vet bills. For any pet parent who has been through the unexpected, the peace of mind is essential.

Trupanion Pet Insurance Review

Figo Pet Insurance

Figo is unique in that it offers a 100% reimbursement option. In short, under one of its plans, you’ll be covered for 100% of your eligible pet expenses after you meet your annual deductible. In addition, it offers plans with lower yearly reimbursement maximums. The more you pay in premiums, the less you pay at the time of service, and vice versa.

Its comprehensive pet insurance plans include coverage for nonroutine dental care, alternative treatments, and hereditary conditions. You can even add preventative coverage with wellness care and vet exam fees.

Added benefits of Figo pet insurance plans include a shorter than average 1-day waiting period for accident coverage, a 24-hour pet telehealth line, and its Pet Cloud app to make your pet’s vet records much more manageable.

Figo Pet Insurance Review

Nationwide Pet Insurance

Nationwide is a familiar name for home, auto, and life insurance. But did you know it also offers pet insurance plans? You can buy coverage for dogs, cats, birds, and some exotic pets, which many providers on this list do not cover. In addition, there are no age limits for pet coverage with Nationwide.

Preventive treatment isn’t included in the lower-cost pet insurance plans. So you may have to search elsewhere for pet wellness plans. But Nationwide’s comprehensive pet insurance covers the most common accident and illnesses for pets. Wellness coverage from Nationwide pet insurance includes things like certain vaccines and annual exams.

Nationwide pet insurance plans are available in every state. So whether you have a dog, lizard, horse, or iguana, you won’t have an issue finding pet insurance coverage.

Nationwide Pet Insurance Review

Spot Pet Insurance

What’s excellent about Spot is that it offers a wide variety of policies, including coverage for both accident and illness, accident-only, and an optional wellness plan for an additional fee.

In addition, Spot Pet Insurance will reimburse exam fees (for select conditions) as part of its accident and illness coverage. Most pet insurance providers exclude exam fees from coverage. Qualified pet parents may also choose unlimited annual coverage. Spot has pet insurance for accidents, illness, and wellness add-ons for dental cleanings, wellness exams, certain vaccines, and more.

Spot pet insurance premiums are high compared to some other pet insurance competitors. But customer satisfaction is also higher.

Spot Pet Insurance Review

American Kennel Club Pet Insurance

The American Kennel Club’s pet insurance plans are available for all pets, not just registered purebred dogs. So you can sign your mixed breed dog or cat up for AKC’s pet insurance and choose from various optional add-ons. This includes coverage for exam fees, wellness care, and final expenses, to name a few.

You’ll get 30 days of free coverage if you register your new pup for an American Kennel Club membership. But pet parents with senior pets may want to consider other pet insurance companies. Pets 9 years old or older will only be eligible for accident coverage when you buy your policy. You’ll also need to sign up your pet before their second birthday to qualify for the AKC’s optional coverage for hereditary or congenital conditions.

American Kennel Club is unique because it covers preexisting conditions after a 12-month waiting period. By contrast, other pet insurance companies won’t cover preexisting conditions.

AKC Pet Insurance Review

Pumpkin Pet Insurance

If you’re looking for comprehensive pet insurance coverage, Pumpkin Pet Insurance could be a great choice. Unlike many other pet insurance providers, Pumpkin offers coverage for preventable diseases (excluding preexisting conditions) like Lyme or parvovirus.

In addition, Pumpkin only requires a 14-day waiting period for breeds with common hereditary conditions like hip and joint problems. In contrast, other providers may require waiting periods of up to 60 days. The waiting period is for current and future treatment. So if your pet presents with any of the listed health conditions within the waiting period, that condition and any related vet bills will not be covered in the future.

With Pumpkin, you can get a quote for your pet quickly and easily. You will have fewer options to choose from when it comes to coverage, but the available options are above average compared to other pet insurance providers.

Finally, the company won’t decline coverage based on a pet’s age. Specific policies also cover advanced treatments for things like behavioral therapy and acupuncture.

Pumpkin Pet Insurance Review

Healthy Paws Pet Insurance

Healthy Paws Pet Insurance is one of the highest-rated pet insurance companies according to customers. It’s not surprising considering it has no limits on how much it will pay per incident, annually, or over the lifetime of your pet. Many pet parents also love the fact that Healthy Paws routinely gives back to homeless pets.

It offers coverage options for all stages of your pet’s life, from eight weeks to 14 years old. Pet parents also choose their deductibles and reimbursement levels. If you’re concerned about large vet costs after an accident or illness, we recommend paying more in monthly premiums for better coverage. If you’re comfortable paying your vet a little more to save money each month, lower coverage options are available.

Healthy Paws Pet Insurance Review

Lemonade Pet Insurance

Are you looking for pet insurance that won’t break the bank? Consider Lemonade Pet Insurance, which offers coverage that starts at just $12 per month. In addition, some of Lemonade’s cheaper wellness plans provide coverage for wellness checks, preventative care, and extended accident and illness coverage. Whether shopping for a new pet insurance policy or adjusting your current plan, Lemonade’s website and app provide easy-to-use quoting tools.

If you have other items to insure, you can save even more. Customers who bundle their pet insurance with coverage for, say, your car or rental will get a 10% discount. You can also get 5% off for paying a full year’s premium upfront and a 5% discount per policy for two or more pets. Unfortunately, Lemonade pet insurance is only available in some states. You can check its website or run a quote to find out if Lemonade pet insurance is available for your pets.

Lemonade Pet Insurance Review

Pet Insurance Frequently Asked Questions

The right pet insurance for you will depend on a multitude of factors, including things like your pet’s breed and age and the coverages for which you’re looking. Insider rated Lemonade pet insurance the best for low-cost coverage, so it could be a good choice if a low monthly cost is your main priority. Also, check out our guides to the best cheap pet insurance, best multi-pet insurance, and best pet insurance in California.

The cost of pet insurance is based on various things, including your pet’s age and species, where you live, and the coverage you choose. Most people can expect to pay between $30 and $50 per month for a decent pet insurance plan.

You may want comprehensive pet insurance if your pet is older or more likely to get sick or injured. Ultimately, the best decision for you and your pet depends on your circumstances. You should also compare cost of pet insurance premiums compared to potential pet care costs.

Pet insurance helps families across the world save thousands on vet bills every year. In an emergency, or even for routine care with some insurers, pet parents can reduce their financial burden. In some cases, it could be the difference between a happy pet and saying goodbye.

Recent estimates suggest about 1/2 (44.6%) of pet parents in North America have pet insurance. However, NAPHIA’s 2023 State of the Industry Report suggests those numbers are growing substantially from 3.45 million in 2020 to 5.36 million at the end of 2022. This may not account for pet families with multiple pets on the same policies. So the actual number may be higher.

How to Pick The Right Pet Insurance Plan for You

When looking for pet insurance plans, comparing different providers is essential to find the best coverage and price. Some factors to consider include the cost of premiums, the amount of coverage offered, the waiting period for coverage of preexisting conditions, and the reimbursement percentage for veterinary care.

It’s also important to read the fine print to understand what is and isn’t covered. For example, many pet insurance policies don’t cover routine vet care such as vaccinations and annual checkups. It should also be noted that pet insurance companies don’t necessarily define “preexisting conditions” the same way every time. For example, some companies provide coverage for “curable” conditions.If your pet needs expensive surgery or treatment, you may only receive a fraction of the cost back from the insurance company.

Pet insurance can be a great way to protect yourself from costly vet bills in an emergency. So, do your homework and shop around to find the best policy for your pet.

Why You Should Trust Us: How We Chose the Best Pet Insurance 

When it comes to pet insurance, there are a lot of providers from which to choose. So how do you know which one is the best for your pet?

The factors we considered included, but were not limited to:

  • Plan coverage limits
  • Exclusions (such as preexisting conditions or hereditary conditions) and exceptions
  • Policy pricing
  • Available add-ons
  • Customer satisfaction

We started by looking at what type of coverage each provider offers. We focused on companies that provided good coverage options and rates, as well as customer service that is friendly and helpful. Finally, we compared plan rates to ensure these providers offered affordable coverage. See our full methodology for rating insurance for more info.

Compare the Best Pet Insurance

ASPCA Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.56/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers coinsurance of up to 90% of each eligible bill with a maximum of up to $10,000 per year

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available for dogs, cats, and horses
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No age limits for coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 90% reimbursement after deductible
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Royalties go back to the ASPCA to care for homeless pets
Cons

  • con icon Two crossed lines that form an ‘X’. Claim processing may be long
  • con icon Two crossed lines that form an ‘X’. Available coverage tapers off with age


BEST FOR NO COVERAGE LIMITS

Trupanion Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage extends to breed-specific conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Waiting period of just 5 days for injuries
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No limits on payouts
Cons

  • con icon Two crossed lines that form an ‘X’. Long waiting period for illnesses
  • con icon Two crossed lines that form an ‘X’. Coverage only available for dogs and cats


Best for Out of Pocket Costs

Figo Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.22/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers coinsurance of up to 100% of each eligible bill with no annual limit


AM Best Financial Strength Rating

A-

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 3 popular pet insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Riders available for preventative care and routine vet services
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing
Cons

  • con icon Two crossed lines that form an ‘X’. Excludes certain genetic issues and preexisting conditions
  • con icon Two crossed lines that form an ‘X’. Insurer recommends submitting 12 months of vet records with your application
  • con icon Two crossed lines that form an ‘X’. Any claim filed in the first 6 months may be registered as a preexisting condition


Best for Exotic Pet Coverage

Nationwide Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

3.89/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers exotic pet coverage


AM Best Financial Strength Rating

A+

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bundling and multi-pet discounts available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High customer satisfaction ratings
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Rated highly with AM Best
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Accepts seniors and exotic pets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discounts for multipet and new plans
Cons

  • con icon Two crossed lines that form an ‘X’. Pets have to enroll before age 10 to be covered into their senior years
  • con icon Two crossed lines that form an ‘X’. Coverage limits are $10,000 or per condition, depending on the plan
  • con icon Two crossed lines that form an ‘X’. Average premiums higher than similar plans

Spot Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.22/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wellness plans and accident and illness plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states with comprehensive coverage options
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available for senior dogs and cats
Cons

  • con icon Two crossed lines that form an ‘X’. Pets have to be at least 8 weeks for coverage
  • con icon Two crossed lines that form an ‘X’. Does not offer coverage for exotic pets


BEST FOR PREEXISTING CONDITIONS

AKC Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.22/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers unlimited coverage with select plans

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 30 days free coverage with no waiting periods for any AKC-registered puppies in qualifying state
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited coverage available with select plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can add on wellness coverage and other riders to customize plans
Cons

  • con icon Two crossed lines that form an ‘X’. May be more expensive than competitors’ plans
  • con icon Two crossed lines that form an ‘X’. Not available in full in all states


Best for Comprehensive Coverage

Pumpkin Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.33/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers 90% reimbursement on all pet insurance plans

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited annual coverage available after deductible available for dogs and cats
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Vet exam fee coverage for illnesses and accidents
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Multi-pet discounts available
Cons

  • con icon Two crossed lines that form an ‘X’. 14 day waiting period for accidents
  • con icon Two crossed lines that form an ‘X’. No 24-7 pet healthline
  • con icon Two crossed lines that form an ‘X’. Rates may be higher than some competitors


BEST FOR UNLIMITED ANNUAL COVERAGE

Healthy Paws Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

4.67/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited coverage options available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Average claims processing time of 2 days
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low deductible options
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Healthy Paws may cover curable preexisting conditions after a waiting period
Cons

  • con icon Two crossed lines that form an ‘X’. Coverage may decrease with age
  • con icon Two crossed lines that form an ‘X’. Rates may be higher than some competitors


Best for Affordable Premiums

Lemonade Pet Insurance

Insider’s Rating

A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

3.44/5

Icon of check mark inside a promo stamp It indicates a confirmed selection.

Perks

10% off your policy for bundling insurance products; 5% off your policy for insuring multiple pets; and 5% off your policy for enrolling in the annual payment plan

Pros

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $12 premiums for basic care
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Add-ons available for other preventative care
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive mobile experience for claims and support
Cons

  • con icon Two crossed lines that form an ‘X’. Only available in 37 states and Washington DC
  • con icon Two crossed lines that form an ‘X’. No 24/7 telehealth line for veterinary advice


Product Details

  • Discounts for bundling policies and having multiple pets
  • Starts at $10 a month
  • Offers a discount for enrolling in an annual payment plan

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