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The 9 best pet insurance companies

A guide to the best pet insurance providers and how to pick the right plan for you (and your furry friend)

Updated September 10, 2021

Created By

Emily Johnson,

How to pick an insurance policy for your pet

Pet insurance isn’t a “one-size-fits-all” solution. The “best” policy really depends on what’s best for you and your pet. Whether you’re looking for dog insurance, cat insurance, or a policy for your exotic pet, keep these things in mind when you start looking:

  • What kind of pet do you own?
  • How old is your pet?
  • What’s their current health condition?
  • Do they have any hereditary or chronic conditions?
  • How much are you willing to pay out of pocket?

Other tips for purchasing pet insurance plans

Here’s what else you should consider when choosing your pet’s health insurance policy.

Don’t wait! — The earlier you can get a policy for your pet the better, policies get more expensive the longer you wait (and older your pet is).

Shop around — Get quotes from several providers, this helps you find the most affordable and comprehensive policy for your furry friend

Get what you need — If you’re comfortable paying the vet bill for general wellness care or annual vet visits, maybe choose a plan that only covers expensive procedures or emergencies.

The best pet insurance policies

  1. Healthy Paws — Best for dogs
  2. Trupanion — Best for chronic conditions
  3. Lemonade — Most user-friendly
  4. Embrace — Best for dental care
  5. Nationwide — Best for exotic animals
  6. Figo — Best comprehensive coverage
  7. Pumpkin — Best for puppies
  8. Pets Best — Most affordable option
  9. Petplan — Best for cats

The top pet insurance providers, reviewed

What we love: Healthy Paws insurance plans start at just $20 per month for dogs with no limit on how many claims you can make. Their plans cover accidents, illnesses, surgeries, prescription medications, hospital stays, and emergencies. They also cover older dogs, which is hard to find with most policies — though pets that are 8 years and older are restricted to only 60% reimbursement and a $750 annual deductible.

What customers say: Some of the top reviews mention Healthy Paws’ hassle-free claims process. Reimbursements are quick and their app is user-friendly, making the whole process easy. Customers also mention the coverage of non-traditional treatments as well as conventional treatments, which is another plus.

Do they have an app? Yes

Estimated premium for dogs $31 a month

Estimated premium for cats $12 a month

Reimbursements? 60%-80%, depending on pet’s age and health conditions

Coverage options: Illnesses, accidents, hereditary conditions, congenital conditions, chronic conditions, cancer, diagnostic treatment, x-rays, blood tests, ultrasounds, surgery, hospitalization, prescription medications, emergency care, specialty care, and alternative treatment.

What we love: Trupanion stands out by offering just one policy for both dogs and cats, including coverage for hip dysplasia and other hereditary conditions (diabetes, thyroid disease, upper respiratory infections, etc.) They’ll pay your vet directly, so there’s no waiting for claims to be reimbursed. There’s also no limit for any benefits, whether it’s per-incident, monthly, or over a lifetime.

What customers say: Customers love that Trupanion directly pays the vet when an owner needs to use their policy. They also offer 90% coverage and have no payout limits, both considered “pros” in the policyholders’ eyes. Some complaints from customers include the per-incident deductibles (rather than per year) and their lack of coverage on common pre-existing conditions like allergies and UTIs.

Do they have an app? Yes

Estimated premium for dogs: $59 a month

Estimated premium for cats: $32 a month

Reimbursements? No

Coverage options:  New, unidentified issues (vomiting, diarrhea, cough) congenital conditions (heart disease, cataracts, nervous system issues), and recovery and complementary care for non-clinical procedures at an extra cost (acupuncture, behavioral modification, rehabilitative therapy).

What we love: Lemonade is quick and easy to use for pet insurance with their all-inclusive mobile app. They have a wide variety of plans to make something work for any pet owner — monthly premiums start at just $10 and vary based on your pet and how you set up your policy (choose your deductible, reimbursement percentage, and your annual limit). Owners can also upgrade their policy to include a wellness plan for preventative care.

What customers say: Lemonade policyholders love the fast reimbursements and helpful customer service reps. They also like that you can bundle home, renters, and life insurance with their pet insurance policies. One main complaint, however, is that they don’t cover a lot of “pre-existing conditions” that could be considered common conditions, like skin dermatitis or allergies.  

Do they have an app? Yes

Estimated premium for dogs: $66 a month

Estimated premium for cats: $25 a month

Reimbursements? 70%, 80%, or 90%

Coverage options: X-rays, MRI, CT scan and ultrasounds, blood tests, urinalysis, outpatient, specialty and emergency care, cancer treatment, hospitalization, and injections and prescription medication.

What we love: Embrace offers high coverage for dental illnesses and injuries, which is rare to find in pet insurance. Along with their dental coverage, accident-only plans are available for pet owners and optional wellness reward programs. All vet exam fees are covered, you can get your care at any licensed clinic, and the longer you don’t file a claim — the lower your deductible becomes.

What customers say: A common positive toward Embrace is the excellent and helpful customer service reps. They deal with claims quickly and make it as easy as possible on their policyholders. A main complaint pet parents seem to have is the strict policy of needing all previous medical documents or some claims may not be covered.

Do they have an app? No

Estimated premium for dogs: $12 a month

Estimated premium for cats: $6 a month

Reimbursements? Up to 90%

Coverage options: For dental: Extractions, root canals, crowns, gingivitis, and broken, chipped, or fractured teeth. Other coverage: Alternative therapies, rehabilitation, behavioral therapy, emergency veterinary care, specialist care, diagnostic testing (including x-rays and MRIs), hospitalization & surgery, prosthetics & mobility devices, and prescription drug coverage.

What we love: Nationwide is the only major insurer that covers exotic pets (birds, reptiles, hedgehogs, pigs, etc.) along with dogs and cats. Plans vary based on your pet’s species, but there are two main options: Whole Pet with Wellness (complete coverage and wellness) and Major Medical (emergencies, accidents, and illnesses). There are no age restrictions, plus current Nationwide members can get a 5% discount on a new pet insurance policy.

What customers say: Nationwide offers a variety of plans to cover every pet owners’ unique needs — both emergency and wellness. They work with owners based on what they can afford, no matter what type of pet they own. One issue some owners had was a rise in premiums, though.

Do they have an app? Yes

Estimated premium for dogs: $34 a month

Estimated premium for cats: $18 a month

Reimbursements? Up to 90%

Coverage options: Accidents and illnesses, surgeries and hospitalization, prescriptions, medical conditions, vaccinations, hereditary conditions (no waiting period), annual exams, flea/heartworm prevention, and more.

What we love: Figo pet insurance offers three different plan tiers to choose from, all of which cover hereditary, congenital, and chronic conditions. Based on your plan, deductible, and reimbursement choice, you can even receive up to 100% back on covered procedures. Virtual visits are covered through an easy-to-use app, plus there’s no network needed throughout the United States, Canada, and Puerto Rico. Customers can reach customer service reps 24/7 via live chat, text, email, Twitter, or phone call.

What customers say: Figo’s rates are reasonable no matter what policy you choose along with a 90% reimbursement rate. Claims are reimbursed quickly, but a common complaint was a rise in premium rates over multiple years.

Do they have an app? Yes

Estimated premium for dogs: $35 a month

Estimated premium for cats: $25 a month

Reimbursements? 70%, 80%, 90%, or 100%

Coverage options: Hospitalizations, emergency care, diagnostic testing, cancer treatments, hereditary, congenital, and chronic conditions, vet examination fees coverage available as a rider.

What we love: Pumpkin offers affordable insurance plans for puppies that are similar to those for regular adult dogs. These plans include coverage for routine care and puppy vaccines — a rarity for pet insurance — and also have accident/illness coverage. And they don’t just cover puppies, adult dogs and cats are covered, too. Plan premiums vary based on your pet’s age along with your choice in deductible and annual limit.

What customers say: Pumpkin customers are thankful for the incredible puppy coverage that other providers don’t offer. The customer service team is highly appreciated along with the additional and optional wellness plans — for both puppies and adult dogs.

Do they have an app? No

Estimated premium for dogs: $50 a month

Estimated premium for cats: $21 a month

Reimbursements? 90%-100%

Coverage options: General puppy wellness needs, MRIs, CT scans, surgery, prescription meds, hospitalization, some less common behavioral issues, microchip implantation, and alternative therapy.

What we love: Pets Best offers three different Accident/Illness policies (Essential, Plus, and Elite) plus two wellness plans that you can add to any of them. Owners also have flexibility regarding annual limits, deductibles, and reimbursement levels (which go up to 90%) to make their plan as affordable as they need. There’s no age limit so you can get coverage on your elderly pet — but like most policies, pre-existing conditions aren’t covered.

What customers say: Owners of older dogs love that Pets Best enrollment doesn’t have an age limit. There are also a variety of plan options, making it an affordable option for most owners. But while age limit isn’t a problem, Pets Best doesn’t cover pre-existing conditions like most insurance policies, making it hard especially on older pets.

Do they have an app? Yes

Estimated premium for dogs: $46 a month

Estimated premium for cats: $22 a month

Reimbursements? 70%, 80%, or 90%

Coverage options: Accidents, illnesses, cancer treatments, hereditary and congenital conditions, emergency care, and behavioral conditions.

What we love: Coverage for kittens starts at just 6 weeks old and has no age limit. When owners buy insurance this early on, there are very few exclusions to worry about. Virtual visits are covered, as are all breeds and conditions (even chronic or hereditary ones). And if your pet needs to be hospitalized, owners can be reimbursed up to $1,000 with no deductible or copay necessary.

What customers say: Petplan offers customizable plans to make it affordable for all pet owners. They also cover a variety of conditions for all cat breeds — even kittens at only 6 weeks old. The main pain point for policyholders is some find it difficult to use Petplan’s app when it comes to claims.

Do they have an app? Yes

Estimated premium for dogs: $35 a month

Estimated premium for cats: $25 a month

Reimbursements? 70%-90%

Coverage options: Sick-visit exam fees, treatments for accidents and illnesses, emergency and specialist vet visits, and breed-specific conditions.

How we made our picks

Like we mentioned earlier, pet insurance policies aren’t a one-size-fits-all for every pet owner. Finding the right fit for you depends on your budget, your pet’s needs, and your overall preferences. That being said, we picked our top pet insurance providers based on a few things: the coverage options, the average cost for dogs and cats, and any extras that they offer.

We only suggested reliable companies you can trust, backed by our team of licensed veterinarians. Customer reviews were researched and compiled through ConsumerAffairs.

My favorite insurance plan on the list would be Trupanion. Since Trupanion has an option where they can pay the veterinarian directly, it takes away the worry for the pet owner on where they'll come up with the money for an expensive bill.

Dr. Dwight Alleyne, DVM

It may not seem necessary at this very moment, but pet insurance can be beneficial to nearly every pet owner for a variety of reasons. It gives many pet owners peace of mind as it helps pay for planned and unexpected expenses. As always, be sure to do your research and learn all you can on how pet insurance works before purchasing a policy for your pet.