Home for your Pet

Top 10 Reliable Insurance Providers

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Disclaimer: This is sponsored content. All opinions and views are of the advertiser and do not reflect the same of WFTS.  Advertiser: Paradise Media.

When it comes to pet insurance, there are numerous options to choose from. We extensively researched the top companies to identify the best pet insurance policies available and help you select the one that best fits your pet’s needs. 

Some of these policies will cover up to 90% of the veterinary costs associated with your beloved animal companion.

We took a keen look at ten insurers to identify the best pet insurance company your furry friend. Pets Best is our top pick, if you’re in a hurry.

Best Pet Insurance Companies

  • Pets Best – Best pet insurance overall
  • ASPCA – Best pet insurance for hereditary conditions
  • Figo – Best for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best for senior pets
  • Fetch – Best pet insurance for high reimbursements 
  • Spot – Best pet insurance for unlimited coverage
  • Healthy Paws – Best pet insurance for alternative therapies 
  • Nationwide – Best option for exotic pets
  • Pumpkin – Best pet insurance company for kittens and puppies 

Which Is the Best Pet Insurance Company?

Your financial situation and the requirements of your animal companion are the two most important factors to consider when choosing an insurance policy for your pet. 

Purchasing pet insurance is one way to add an additional layer of financial security to your home. It is a way to protect yourself from having to cover the total cost of unforeseen veterinary bills in the event that your pet sustains an injury or becomes ill.

Pets Best pet insurance is our top pick for the most reliable and comprehensive pet insurance business available, so if you want to protect your pet, there is no need to search any further.

1. Pets Best – Best Pet Insurance Overall



Pets Best Pet Insurance Pros: 

  • No upper age limit
  • Pets qualified for insurance at 7 weeks old
  • Coverage provided for prosthetics as well as wheelchairs

Pets Best Pet Insurance Cons:

  • You won’t be able to upgrade until the next renewal date.
  • Treatment for parasites is not included in the plan

Pets Best is a fantastic choice because it offers a diverse selection of deductible amounts and policy types to choose from. 

Because it provides coverage for a more extensive age range of pets, it makes it an excellent choice for both younger and older animals. 

Mobility concerns, including those pertaining to equipment and devices, are also addressed. The fact that Pets Best insurance has bilateral exclusions is one of the policy’s drawbacks. 

If your pet is already suffering from illnesses known to affect just one area of the body, such as hip dysplasia, insurance for the condition will not be provided if it later manifests on the other side of the body.

Pets Best Health Insurance policy for pets price: 4.9/5 

As compared to the prices offered by other companies, Pets Best’s insurance policies fall somewhere in the middle.

Pets Best Pet Insurance for Pet Savings: 4.9/5

Discounts are available for customers who pay annually, have many pets, or are in the military. Discounts can be stacked up to a total of 12% off the original price. These reductions are not offered in every state.    

Pets Best Pet Insurance Coverage for Dogs, Cats, and Exotic animals: 5/5

Fewer age restrictions on pets can be insured via Pets Best. Even at only seven weeks old, owners can get policies to cover the pets. 

Pets Best is another excellent choice for elderly pets because it does not impose an upper age limit on its coverage. It is also one of the few firms that offer coverage for wheelchairs and prostheses. 

Although these gadgets can be pricey, they can significantly improve your pet’s quality of life.

Pets Best Pet Insurance Policies Choices: 4.9/5

Pets Best provides individualized options for coverage. There is more than one plan available, each with a different level of coverage. 

One of the drawbacks of using Pets Best is that if you want to change your coverage, you must wait until your plan’s renewal date.

Pets Best Pet Insurance Time Required to Process a Claim: 4.7/5

Your claim may not be reimbursed for approximately 45 days after submission. This is greater than the majority of other providers for pet insurance.

Overall Score: 4.9/5

>>Get a Free Quote from Pets Best Insurance Here

2. ASPCA – Best Pet Insurance for Hereditary Conditions



ASPCA Best  Pet Insurance Pros:

  • Provides exceptional coverage for congenital and genetic illnesses.
  • Microchipping, in addition to stem cell treatment both included
  • No upper age limit

ASPCA Best Pet Insurance Cons: 

  • A webpage that is difficult to navigate.
  • There may be a delay of up to 30 days in processing claims.

ASPCA provides reasonable premium rates in addition to flexible insurance terms. You can select a plan covering preventative care, accidents, illnesses, or only accidents. 

Pets must meet no upper age limit to be eligible for insurance for congenital and genetic disorders through the ASPCA.

Any undiagnosed conditions before enrollment are eligible for coverage, as are curable conditions, provided your pet has been symptom-free for at least 180 days. 

It’s possible that you’ll have to wait a long time to get reimbursed for your expenses.

Cost of ASPCA Pet Health Insurance: 4.8/5

The ASPCA plans have extremely reasonable prices for the monthly premiums that must be paid. In addition, they provide you with more leeway for the particular conditions of the insurance policy you already have.

You will be subject to a transaction fee if you pay your subscription monthly rather than yearly. This is one of the drawbacks of this option.

Discounts on ASPCA Insurance Policies for Pets: 4.8/5

When you insure many pets, you can receive a discount that is 10% larger than the standard discount.

ASPCA Insurance Coverage for Dogs, Cats, and Exotic Animals: 4.9/5 

Even if your pet is well into its senior years, the ASPCA will cover inherited or congenital illnesses that have developed in them. Additionally, it includes coverage for treatable pre-existing diseases, as well as stem cell therapy.

ASPCA Best Pet Insurance Plan Choices: 4.8/5

There are several different pet insurance policies available through the ASPCA. The ASPCA’s plans include reimbursement for the procedure known as microchipping.

Processing Time for ASPCA Animal Insurance Claims: 4.7/5 

Claims take a month to complete, which is a significant amount of time when you’re waiting to repay a big expenditure.

Overall Score: 4.8/5

>>Get a Free Quote from ASPCA Insurance Here

3. Figo – Best Pet Insurance for Reimbursements



Figo Best Pet Insurance Pros:

  • Optional 100% compensation
  • There is no maximum age limit.
  • Minimal deductibles

Figo Best Pet Insurance Cons:

  • Pets registered after age two are not eligible for inherited condition coverage.
  • Prevention not covered by insurance
  • Orthopedic claims require a six-month wait

With Figo, there are no yearly caps; nevertheless, there are lifetime caps. Figo provides insurance plans with 100% reimbursement and no co-payments. Yet, the cost of these policies is higher. 

Some pet owners may find the lack of coverage alternatives for preventative care and the limitations on inherited illnesses problematic.

Cost of Figo Pet Health Insurance Policy: 4.8/5

Because there are no limited benefit payout, minimal co-pays, and deductibles, Figo’s premiums are higher than the national average. The greater cost for pets requiring more frequent treatment is worth it because it lowers out-of-pocket costs.

Insurance for Best Pet Insurance  Discounts from Figo: 4.7/5

While you might be eligible for a premium discount, our Figo pet insurance review shows that you must contact customer care to learn what your state offers.

Best Pet Insurance coverage From Figo: 4.7/5

Benefits have no yearly caps, providing more comprehensive coverage. Nevertheless, there is little coverage for inherited diseases. Moreover, Figo lacks wellness programs.

Dog, Cat, and Exotic Animal Best Pet Insurance From Figo: 4.8/5

Figo offers three insurance options. Numerous compensation alternatives exist, but none for adding riders to your coverage.

Processing Time for a Figo Animal Best Pet Insurance Claim: 4.8/5

The typical processing time for claims under pet insurance is thirty days.

Overall Score: 4.8/5

>>Get a Free Quote from Figo Insurance Here

4. Lemonade – Best Pet Insurance to Process Claims Fast



Lemonade Best Pet Insurance Pros:

  • Processing of claims is extremely fast
  • There are a variety of discount possibilities.
  • Part of your contribution goes to pet charities

Lemonade Best Pet Insurance Cons:

  • The product is only available in 36 states at this time.
  • The information available online is limited.
  • Your credit score affects the rate that is offered.

Lemonade provides a complete plan; you can purchase additional coverage, including vaccinations, exams, and even certain alternative treatments.

The fact that this insurance can process claims so quickly is one of its major selling points. Also, please remember that a percentage of your payments goes to support charitable organizations.

Cost of the Lemonade Health Insurance Coverage: 4.7/5

A Lemonade pet coverage will normally have a premium priced at a lower rate than the average for the industry.

Discounts on Lemonade Insurance Policies for Pets: 4.7/5

When you acquire additional insurance coverage through Lemonade, you are eligible for savings on those premiums.

Coverage for Dogs, Cats, and Exotic Animals Offered by Lemonade Insurance: 4.7/5

There is a maximum age requirement for coverage; for certain breeds, it might be as low as seven years old. This is a significant discount compared to conventional pet insurance.

Lemonade Best Pet Insurance Plan Options: 4.8/5

Lemonade has a selection of different policies for customers to select from. You also have the option of adding riders to your selected plan. We regret that Lemonade plans are not currently offered in all states.

Time Required to Complete a Claim for Lemonade Animal Insurance: 4.9/5

Lemonade utilizes an app that streamlines the process of filing a claim and lets users check their repayment status in a few minutes.

Overall Score: 4.7/5

>>Get a Free Quote from Lemonade Insurance Here

5. Embrace – Best Pet Insurance for Senior Pets 

Embrace Best Pet Insurance Pros:

  • Deductibles reduce over time
  • Option for high reimbursement level
  • Pre-existing illnesses that can be cured are covered

Embrace Best Pet Insurance Cons:

  • Only available for dogs and cats
  • Unavailable in Canada and the U.S. territories

Get Embrace to get accident and sickness insurance for your pet that is 15 years of age or younger. Only accident coverage is available for older animals.

Embrace, one of the greatest pet insurance providers, has a Wellness Rewards program to which you can contribute annually. Plans come with a 30-day money-back guarantee and decreasing deductibles for periods when you don’t request reimbursement.

Cost of the Embrace Pet Health Insurance Plan: 4.7/5

Low rates and a declining deductible are features of Embrace, as noted in our Embrace pet insurance review. Your deductible decreases if your pet stays healthy. Your deductible will be reduced by $50 annually, and you do not need to submit a reimbursement claim. 

Over time, this can help you avoid paying a sizable amount out of pocket. Premiums may increase if a greater reimbursement level is chosen.

Discounts for Embrace Insurance for Pets: 4.9/5

You can use as many discounts as you are eligible for with Embrace. They include a 10% staff discount, a 5% military discount, and a 10% VIP discount for numerous dogs. These discounts, added up, can result in considerable financial savings.

Dog, cat, and exotic animal insurance from Embrace: 4.8/5

The elderly age of your pet shouldn’t restrict the care. Older animals need more regular or involved care to stay healthy because they are frequently more prone to illness and injury.

You can acquire a new pet insurance plan with Embrace until age 15. You can choose accident-only policies for older pets.

Choices for the Embrace Pet Insurance Plan: 4.5/5 

Instead of a typical policy, Embrace offers a Healthy Rewards program to which you make financial contributions. Plans are only available for canines and felines.

Animal Insurance Processing Time for Claims at Embrace: 4.7/5

The typical processing time for claims under pet insurance is 30 days.

Score overall: 4.7/5

>>Find the best coverage on Embrace

6. Fetch – Best Pet Insurance Company for High Reimbursements 



Fetch Pet Insurance Pros:

  • The range of dental care options covered consists of both regular and unconventional treatments, as well as costs related to illness or injury.
  • Available in every one of the 50 states of the United States, as well as the District of Columbia.
  • The cost of looking after your animal when you are in the hospital will be reimbursed.
  • During the initial month after a policy is enacted, a medical check-up by a vet might exempt the policy’s waiting period for knee injuries.

Fetch Pet Insurance Cons:

  • Coverage excludes animals less than six weeks old.
  • There is no wellness or disaster insurance available for purchase.

Originally, it was called Petplan but now it is known as Fetch pet insurance (also known as Fetch by The Dodo). 
It covers medical costs in case of any accident or illness, ranging from behavioral therapy, dental injuries, cancer treatment, MRI screenings to veterinary checkup fees

Moreover, you are entitled to up to $1,000 in covered expenses for boarding your pet while getting treatment. 

The company offers detailed information on what is covered, a complete FAQ page, and a mobile application that lets clients track their accounts, file claims and transform medical records into a digital format.

Fetch, a business based in New York, is supported by XL Specialty Insurance Company and Axis Insurance Company through the plans they offer.

Fetch Pet Health Insurance Policy Cost: 4.5/5

The price of Fetch’s pet insurance protection depends on several factors, including the type of animal, its breed, age, and gender, as well as the policyholder’s address. 

Generally, the company’s fees are competitive with other companies. But, we observed that its rates for senior canines may be considerably higher than other providers.

Fetch Insurance for Pets Discounts: 4.5/5

If you decide to secure insurance for your pet with Fetch, there are certain requirements that must be met in order to receive a discounted rate.

  • Getting a pet from a shelter or an adoption organization.
  • those who work in animal hospitals and clinics.
  • People of all ages who are members of the AARP.
  • Care for your pet provided by a trained veterinarian.
  • You can choose to pay your insurance premium once a year or three times a year.
  • avoiding having any claims filed against them for a predetermined amount of time.
  • Representatives of the armed services who have served in the past as well as those who are currently serving

Fetch Dog, Cat, and Exotic Animal Insurance Coverage: 4.3/5

Fetch’s pet insurance plan offers extensive protection for a wide range of medical problems, from injuries and chronic diseases to hereditary illnesses and other urgent matters. 

Furthermore, it covers the costs of testing, dental treatment related to injury or illness, prescription medications, special therapies, and alternative healing methods, all up to the yearly maximum.

Fetch Pet Insurance Plan Options: 4.8/5

One accident and illness insurance plan is available to Fetch customers, with limits of $5,000, $10,000, or $15,000 depending on the purchase channel. 

Nevertheless, if you get in touch with Fetch directly, you may be able to increase your coverage to an unlimited amount with a perpetual annual benefit. 

The annual deductible can also be set anywhere from $250 to $1,000, with a $50 increment between the lowest and highest amounts. The plan’s reimbursement rate is flexible and may be anywhere between 70% and 90%..

Fetch Animal Insurance Claim Processing Time: 4.6/5

There are three mandatory pauses in Fetch.

  • There is often a 2-week waiting time for insurance claims.
  • Anterior cruciate ligament tears, patellar tendonitis, and hip problems all have six-month recovery times.
  • There is a 15-day waiting time for any medical conditions.

In comparison to other pet insurance organizations, Fetch has a longer 15-day waiting period for accidents. Embrace and Lemonade, however, have a two-day waiting period, while Figo has a one-day limit. 
When it comes to illnesses, Fetch’s waiting period is 15 days, only a day longer than the typical pet insurance companies.

Nevertheless, Fetch’s six-month waiting time may not be suitable for animals that are susceptible to health issues, including cruciate ligament tears and hip dysplasia. 

In this case, you should consider the policy suggested by the American Society for the Prevention of Cruelty to Animals (ASPCA).

Overall Score: 4.6/5

>>Find the best coverage on Fetch

7. Spot – Best Pet Insurance for Unlimited Coverage 



Pros of Spot Best Pet Insurance:

  • Minimum deductibles of $100
  • Acupuncture, hydrotherapy, as well as other complementary therapies included
  • There is no maximum age limit.

Cons of Spot Best Pet Insurance:

  • Younger pets have higher premiums.
  • No customer assistance on weekends.

Spot is a fantastic option if you’re seeking the best pet coverage with limitless coverage. Get low deductibles and copay-free visits. Remember that choosing a reduced-price copay or deductible may result in you paying a higher monthly premium.

Cost of the Spot Pet Health Insurance Policy: 4.5/5

Our Spot pet insurance review shows that the company has expensive premiums for young animals but doesn’t place an age restriction on older ones when insuring them. You don’t have to make co-payments for veterinary expenses if you have full coverage insurance. 

You can also choose a $100 deductible, greatly reducing out-of-pocket costs.

Spot Insurance for Pets Discounts: 4.5/5

If you insure more than one pet, a 10% discount is provided, which is much more generous than usual.

Dog, cat, and exotic animal health insurance: 4.7/5

Due to its choice of infinite coverage for your pet, Spot ranks among the best pet insuranceproviders. There aren’t many pet insurance companies that provide 100% coverage.

Choices for the Spot Best Pet Insurance Plan: 4.5/5

Optional plans include preventative, accident and sickness, and accident-only coverage. You can also choose the degree of protection you require.

Spot Insurance for Animals Processing Time for Claims: 4.6/5

Pets that have just been registered are insured after 14 days. Usually, claims are handled quickly.

Score overall: 4.6/5

>>Find the best coverage on Spot

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



Pros of Healthy Paws Best Pet Insurance :

  • Coverage of alternative therapies
  • Processing claims is quick.
  • Direct payments might be feasible in some situations.

Cons of Healthy Paws Best Pet Insurance

  • Only offer one type of policy
  • Little coverage for geriatric pets
  • Coverage does not include standard office exams.
  • Age 6 or older enrollment does not qualify dogs for hip dysplasia insurance.

With no benefit caps, you can pick your deductible with Healthy Paws for Dogs and Cats. To quickly handle your claim, use the mobile app.

After following a procedure, you can choose direct payment if you cannot pay the vet’s fee. Pets should be enrolled early for the optimum insurance and payout rates.

Cost of the Healthy Paws Pet Health Insurance Policy: 4/5

The rates for Healthy Paws are priced moderately higher than the industry standard. This is due, in part, to the fact that there are no limits placed on reimbursements. A one-time registration fee of $25 is required to join Healthy Paws.

Healthy Paws Insurance for Pets Discounts: 4/5

When it comes to Healthy Paws Plans, there are no discounts available. Despite this, there is nonetheless a policy that applies to you.

Healthy Paws Coverage for Dogs, Cats, and Exotic pets: 5/5 

Alternative treatments, such as acupuncture, massage, physical therapy, and hydrotherapy, are some treatments covered by Healthy Paws, making it a standout service.

No limitations are placed on the compensation your pet is eligible for by the insurance.

There are no restrictions depending on the nature of the incident, the length of the yearly policy term, or even the lifetime of your pet. Unfortunately, there is a lack of coverage for hip dysplasia.

Plan Choices for the Healthy Paws Insurance Program: 4.5/5

There’s only one sort of plan available to choose from, and it covers both illnesses and accidents. Despite this, it provides a significant amount of coverage.

Time Required to Process a Claim for Healthy Paws Animal Insurance: 5/5

When filing a claim with many different insurance providers, you can wait up to a month. The processing period for orders sent through Healthy Paws is cut down to only two days, thanks to a user-friendly mobile app.

Overall Score: 4.5/5

>>Get a Free Healthy Paws Insurance Quote

9. Nationwide – Best Pet Insurance for Exotic Pets



Nationwide Best Pet Insurance Pros :

  • Exotic pet coverage, including coverage for birds and other pets
  • 24/7 customer service 
  • Provide services worldwide 

Best Pet Insurance Provided by Nationwide Cons:

  • A strict deductible of $250 is to be paid.
  • Information regarding coverage and any applicable exclusions are tough to locate
  • Upper age limit

If you possess a more exotic pet, the pet insurance offered by Nationwide is the most suitable option for you. When purchasing insurance, it is important to examine the list to determine if your pet is covered. 

Online enrollment is available for dog and cat insurance. However, insurance for exotic pets necessitates a call to customer service at 844-244-3691 to discuss pricing and purchase a policy.

Cost of a Nationwide Pet Health Insurance Policy: 4.5/5

Premium expenses for pet insurance are typically around the national average in the country.

It has a lesser repayment option of 50%, which could be a good feature that can be found in the best pet insurance, and it reduces the price of your premiums to make it a choice that is more easily within your financial reach. 

It will cost you more money for the treatments your pet requires, but if you don’t have to make many claims, it could save you money.

Discounts offered by Nationwide Best Pet Insurance: 4.5/5 

A discount of 5% is offered if you enroll more than 1 pet. You might also qualify for a discount if you have other policies with Nationwide or if your company provides a pet insurance benefit through a partnership program. Both of these situations qualify for discounts.

Nationwide Coverage for Dogs, Cats, and Exotic Animals: 4.5/5

Birds, reptiles, and other odd creatures are not always covered by standard pet insurance policies. You may ensure a wide variety of animals Nationwide and a policy from a reliable carrier if you choose to do so.

Plan Choices for a National Insurance Program for Pets: 4.5/5

There are four distinct types of insurance policies available Nationwide. They range from coverage of simple major medical bills to coverage of major and minor medical expenses and exotic pet coverage. Nevertheless, only one deductible choice is available, costing $250.

Estimated Time Required to Handle Claims for Nationwide Animal Insurance: 4.5/5

Pet insurance claims are often handled within the industry-standard time frame of 30 days.

Overall Score: 4.5/5

>>Get a Free Nationwide Insurance Quote

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



Pumpkin Best Pet Insurance Pros: 

  • Covers prescription pet food
  • The waiting period is short
  • No age restriction
  • 30-day money-back guarantee

Pumpkin Best Pet Insurance Cons: 

  • Unable to alter reimbursement amount
  • Restrictions on annual coverage
  • There are few options for the deductible

Use Pumpkin to include a preventive healthcare option in your pet insurance plan. These expenses range widely in terms of wellness and immunization costs. Also, in some states, testing for parasites is included.

Cost of a pumpkin pet insurance policy: 4.5/5

Although Pumpkin’s pet insurance policies are more expensive than some, they are still reasonable and offer the option to include preventive treatment for young animals. Certain wellness services offer a complete refund.

Savings on Pumpkin Pet Insurance: 4.5/5

If you insure more than one pet, you will receive a 10% discount, which is more generous than usual.

Pumpkin Coverage for dogs, cats, and exotic pets: 5/5

As noted in our Pumpkin pet insurance review, the wellness add-ons from Pumpkin are beneficial for young animals. As long as they are recommended and carried out by a veterinarian, many alternative treatments are covered by insurance. 

Treatment for persistent pain or arthritis is an example of common therapy in this area. For animals with specific dietary requirements or demands, Pumpkin also covers prescription food.

Choices for the Pumpkin Best Pet Insurance Plan: 3.8/5

You may extend your policy to include wellness and preventative care with Pumpkin. However, it only offers one refund option for 90%, so it might not fit every budget.

Animal Insurance for Pumpkin Processing Time for Claims: 4.5

Compared with some of the other best picks for the best pet insurance, Pumpkin’s 14-day wait duration is considerably shorter. This can be useful if your pet needs immediate medical attention for a problem. The typical processing time for claims is 30 days.

Score overall: 4.3/5

>>Find the best coverage on Pumpkin

What Is Pet Insurance?

Insurance for pets is a form of liability insurance that pays for veterinarian bills incurred due to accidents or disease

While most pet insurance is aimed at cats and dogs, some service providers offer insurance for more unconventional animals, such as birds and reptiles. Still, this type of coverage makes up less than one percent of all policies sold in the United States.

The fact that preventative veterinary care is not included in the standard coverage provided by pet insurance, in contrast to human health insurance, is a significant difference. Expenses include vaccinations, parasite prevention, dental cleanings, and microchipping are included in this category.

There are often no network limits associated with pet insurance; coverage can be utilized at any registered veterinarian or specialist across the country. Several service providers extend their coverage all the way to Canada as well as international countries like Puerto Rico.

Types of Best Pet Insurance

The first thing you should do if you want to insure your pet is to examine your financial situation and determine how much money you can spend and how much you are ready to spend in the event of an emergency.

Different best pet insurance policies offer different levels of insurance and, of course, premiums. For a comprehensive understanding of how to acquire pet insurance, it is essential to become familiar with the many types of policies and what each provides.

  • Pans that cover only accidents. If your only concern is the tendency for accidents that your cat or dog has, then an accident-only plan might be the best option for you (such as poisonings, broken bones, bloating). These are often the least expensive pet insurance plan that is offered.
  • Accident and sickness policies. These are the most common, all-inclusive pet insurance policies covering accidents and illnesses. They can be made through by purchasing health coverage, typically sold as an add-on instead of an integral plan component.
  • Wellness plans. Plans for basic care are sold individually or as add-ons. These costs include examinations, dental care, spaying or neutering, immunizations, and the prevention of parasites.

It is smart to obtain a sample policy from an insurance provider to determine whether they are a suitable company for you. Most insurance providers make their sample policies available on their websites.
Be sure you have a complete understanding of everything that is included, excluded, and restricted. Continue with the enrollment process for your pet if you are at ease with the terms and conditions and if they are comparable to those offered by other providers.

>>Get the best coverage from Pets Best

How To Choose the Right Best Pet Insurance Company for You

While looking for health insurance for your pet, you need to consider several factors. Following the guidelines below can assist you in locating the most suitable insurance provider and plan for yourself and your pet.

Make a Decision Regarding the Kind of Policy You Need: Pet owners often have a choice between the following three types of insurance policies:

  • Accident and sickness insurance. The treatment of fractured bones, things eaten by accident, cancer, urinary tract infections (UTIs), ear infections, and other conditions
  • Wellness insurance includes routine care such as immunizations, examinations, spaying and neutering, and nail trims. 
  • Exotic Pet Insurance. “Exotic pet insurance” refers to policies covering animals other than cats and dogs, like hamsters, rabbits, geckos, and snakes.

Find out what exactly is and isn’t covered by the insurance policy: Investigate in great detail the illnesses, diagnostic procedures, and treatment options that are insured for your pet, as well as any limitations, exclusions, or age-related restrictions that may apply.

Verify that the policy will cover the treatment costs if you have a breed of pet that is prone to genetic or congenital disorders, such as hip dysplasia or asthma.

It is important to keep in mind that, in general, insurance companies will not cover preexisting conditions.

Choose a deductible amount: Deductibles, also known as the amount of money that the policyholder is responsible for paying before the insurance provider begins to reimburse expenses, are standard in both human and animal health insurance policies.

In overall, the businesses that we rated provide customers with the following two options for deductibles:

  • The yearly deductibles are comparable to those found in human health insurance programs. No matter the treatment you receive, you are responsible for paying a certain amount each year (for example, $500) for covered expenses. After you have satisfied your deductible, the insurance company will pay any further expenditures that are within the scope of the coverage.
  • The term “per-condition deductibles” refers to a group of deductibles tailored to a particular condition’s requirements. For example, a policy might have a deductible that is set apart for rheumatoid arthritis, cardiovascular illness, cancer, and liver disease.

>>Get the best coverage from Pets Best

Suppose you take your pet to the veterinarian more than once yearly to treat different injuries or illnesses. In that case, an annual deductible might be the more cost-effective option for you.

If your pet develops a sickness or ailment that 

requires consistent care or several visits but has no other problems so a per-condition deductible can be more cost-effective than a general deductible. 

These deductibles have advantages and disadvantages, but neither is fundamentally superior.

Select a reimbursement rate: the percentage of covered costs that insurance will pay back is referred to as the rate. Depending on your insurer, reimbursement rates can range anywhere from 60 percent to one hundred percent of the total cost of your veterinary costs.

Find out what the limits are that are available. The maximum amount of money an insurer is willing to pay for insured expenses is the limit (for example, $10,000 per year). Although some insurers do not put a ceiling on payments, others do set annual maximums.

If your insurance plan has an annual cap, the company insures you will only pay for costs up to the limit. You are responsible for paying any additional expenses up to the next coverage year.

Investigate whether you can personalize your premiums: Several insurance companies allow consumers to tailor their monthly payments by letting them change one or more parts of their coverage.

Even though each insurer is different, you may be able to customize your premium by adjusting your deductible, reimbursement rate (the percentage of charges an insurer will cover), or policy limits. which will allow you to construct a premium that is affordable for you and meets your requirements for veterinary care.

>>Get the best coverage from Pets Best

Your monthly premiums will normally decrease if you lower your payment limitations and the rate at which you are reimbursed.

Increasing your deductible is another way to reduce your premiums’ cost. However, every modification could result in additional out-of-pocket payments should your pet require frequent or expensive care.

Look at available savings: several insurance companies provide discounts that can help cut down the overall cost of coverage.

The availability and kind of discounts vary. However, some available discounts include multi-pet, annual pay, military, and employee benefit discounts. 

For instance, Lemonade provides a ten percent discount if you have a different policy (like homeowner’s insurance) with the same firm.

While looking for a policy to cover your pet’s medical expenses, a few other considerations can assist you in making your choice.

Most businesses that made it into our ranking provide their customers with various customer care channels, such as email, phone, and online chat help, in addition to mobile app access.

You may discover an insurance provider that satisfies your insurance administration and claims processing preferences by first looking into their customer support and service solutions.

It is also important to give some thought to any add-ons or additional coverage that you might require. A number of the businesses that were considered for this ranking provide health or alternative care plans. 

These plans may include reimbursement for chiropractic, acupuncture, and hydrotherapy services.

Reviewing the customer support and extra coverage alternatives available to you can be helpful in making a decision when all other factors are equal.

>>Get the best coverage from Pets Best

How Does Pet Insurance Work?

Reimbursing you for a portion of your pet’s legitimate medical bills is the primary function of pet insurance. However, there are further restrictions detailed in the fine print of the policy, which are as follows:

  • Waiting periods: If you have health insurance, there may be a period of time before it begins to pay for your medical care. Most businesses demand that you wait 14 days after enrolment before requesting reimbursement for a trip to the veterinarian due to illness.
  • Exclusions: The terminology of pet insurance coverage will not cover certain conditions in their entirety. When you make the purchase, give the insurance policy a thorough reading so that you are aware of exactly what is and is not covered.
  • Network restrictions: In contrast to health insurance for people, pet insurance typically does not have a limited or favored network of providers; nevertheless, certain insurers may restrict certain coverage to particular veterinarians. There may, nevertheless, be restrictions based on geography. For instance, the insurance policy may not cover your pet if you travel to Canada or Puerto Rico.

What Does Best Pet Insurance Cover?

Pet insurance policies pay their owners for the costs of diagnosing and treating animals in the event of an accident or disease. This may include the cost of medication and hospitalization.

When a pet owner purchases an accident-only policy, the advantages of the coverage will be significantly reduced. This is because the plan will only compensate the pet owner for problems that are considered to be accidents, and it will eliminate everything considered an illness.

The following is a short list of only some of the accidents and injuries that are covered by pet insurance:

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  • Accidental ingestion of a non-food item
  • Poisoning
  • injuries caused by biting, such as cuts or fractured bones (including teeth)
  • Ingestion of an unnatural substance
  • Poisoning
  • tearing in the ligaments


  • Cancer
  • Hepatitis
  • Diabetes
  • Allergies
  • Arthritis
  • Infections of the skin or ears
  • Infections of the urinary tract
  • Problems with the stomach and the intestines
  • Epilepsy
  • Conditions relating to the Orthopedic, such as hip dysplasia and torn ligaments

A few pet insurance companies will also cover the costs of cremation and burial, but most of them will not reimburse you for the value of your pet.

There is also the option of purchasing a life insurance policy for your pet; if you do this, you will be compensated for the worth of the animal in the event that it is lost or stolen.

A strategy of this kind is more beneficial for animals with high monetary worth, such as extremely expensive breeds or “working dogs,” which include show dogs, breeding dogs, and service dogs.

Poisons in Your House To Look Out For

Our houses are stuffed with foods and other items that may be fatal if consumed by our animals. The following is a list of things that you ought to take extra precautions to avoid:

  • Medication that can be purchased without a prescription. This includes things like acetaminophen, medicine for the common cold and flu, ibuprofen, and vitamins and minerals.
  • Prescription medicines intended for human consumption. Prescription drugs, such as those used to treat epilepsy, heart disease, and depression, are included in this category.
  • The food that people eat. You might be tempted to give your pet some of your food, but you should know that some foods are poisonous. This includes typical items such as garlic, grapes, onions, protein bars, raisins, and onions, and foods that include xylitol, a sweetener found in sugar-free meals, such as sweets, energy bars, and protein powder.
  • Chocolate. This tasty treat is very dangerous for pets, especially dogs and cats.
  • Bouquets and plants. There is the potential for harm posed by plants within and outside the home, including those in the garden.
  • Harmful household chemicals. These comprise things such as those used for personal grooming, housekeeping, and home maintenance and improvement.
  • Products used in animal medicine. Chewable pharmaceuticals like soothing chews and other treats created specifically for animals, such as xylitol, can be harmful even if the animal consumes the full container.
  • Rodenticide. It is possible for your pet to suffer from bleeding, kidney failure, convulsions, and even death if it consumes rodenticide.
  • Insecticide. Ant sprays, bug sprays, and other treatments used to eliminate pests can harm your pet. In your best interest, look for safe options for use around pets.
  • Garden goods. Your dog may find fertilizers, especially ones manufactured from organic ingredients, irresistible, but it’s important to know that they can also be extremely harmful.

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Most Insured Pet Breeds

The most popular types of insured pets are domestic shorthair cats and medium-sized mixed-breed dogs. 

Golden Retrievers and German Shepherds are the most popular purebred dog breeds to insure. The most common purebred cats to be insured are Ragdolls, Siamese, and Maine Coons.

Despite the fact that some breeds of dogs and cats, such as those with a higher risk of hip dysplasia, are more likely to have certain types of health issues, you and your pet could benefit from purchasing a pet insurance policy regardless of the breed. 

This is due to the fact that it pays for medical bills in the event of an unforeseen illness or injury, such as cancer or a damaged knee ligament.

Most Common Best Pet Insurance Claims

According to Embrace Pet Insurance, the following were the most common causes of insurance claims filed for dogs and cats in the year 2022:

  • Vomiting
  • Diarrhea
  • Infection of the urinary tract
  • Loss of weight
  • Infection of the ear

What Is Excluded From Best Pet Insurance Coverage?

It is in your best interest to study the sample policy in its entirety before enrolling in a pet insurance plan because the coverage exclusions may differ from company to company. But no need to be concerned; we have you covered.

The following list provides an examination office of the sector’s most prevalent exceptions:

  • Pre-existing conditions. In the event that your dog, cat, or other pet already suffered from a condition before you purchased the pet insurance policy, the insurance company will not reimburse you for the costs associated with treating that ailment. Diabetes, allergies, cancer, and arthritis are examples of chronic diseases.
  • Check-up fees. The vast majority of businesses do not include check-up fees in their estimates, using the excuse that such expenditures are included in the category of expected costs associated with pet care (unlike accidents and injuries). 

Despite this, some service providers are beginning to incorporate expenses for veterinarian exams into the cost of their standard plans.

  • Pre-existing bilateral conditions. Conditions before enrollment in the pet insurance program are referred to as pre-existing conditions.

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For example, the cruciate ligament in your pet’s knee may have been injured before they signed up for pet insurance. This injury is not covered because it was a pre-existing condition; nevertheless, if the second knee ever develops the same problem in the future, it will also not be covered

This limitation may also extend to other bilateral disorders, which are problems that manifest themselves on both parts of the body, such as cataracts, hip dysplasia, and elbow dysplasia.

  • Normal veterinary treatment for pets. Most pet insurance policies do not cover them. However, some companies do offer reimbursement advantages in the form of wellness packages and riders. 

These additional services require an agreed-upon fee for spay/neuter procedures, teeth cleanings, yearly examinations, immunizations, and parasite prevention.

  • Illnesses brought on by a lack of preventative care. If you let your pet go without heartworm preventive medication and become infected with heartworm, your pet insurance policy will not pay for their treatment.

Injuries or diseases that can be connected to the owner’s negligence include problems that are the consequences of organized dog fighting, racing, or guarding that are not covered by pet insurance. 
The same limitation applies to diseases that can be transmitted by fleas and ticks, problems that can be avoided by immunization, and dental conditions that can develop if your pet does not have regular dental cleanings.

How Much Does Best Pet Insurance Cost?

So, how much does pet insurance cost? In most cases, the premiums for cat insurance are far lower than those for dog insurance. The cost of accident and illness coverage for a dog with pet insurance is approximately $50 per month, while the cost for a cat is $30 per month on average. 

But, the specific cost of insuring your animal companion will differ, which is not only dependent on the insurer you pick.

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Considerations That Go into Determining the Cost of Your Best Pet Insurance

The following reasons all contribute to the variability in the cost of pet insurance:

  • The pet’s age and breed are major factors in determining insurance costs. In general, purebreds have higher premiums than mixed pets do. Also, premiums go up with age (regardless of the breed), and they go up quite a bit for elderly animals. 

In addition, if your dog or cat reaches the age of 10 or 12, the number of insurance companies from whom you can choose will dramatically decrease.

  • Location. A major factor in determining the cost of pet insurance, with premiums typically higher for pets living in urban areas, particularly on the coastlines (New York and California.)
  • Your deductible. The amount of money you are responsible for paying out of pocket before your insurance policy begins to pay benefits. Most service providers provide you the option to choose your own deductible.

It is important to remember that although a yearly deductible for all care is the norm, some businesses may also ask that you pay a separate deductible for each occurrence or condition.

  • Add-on services for preventative care. You will get the most bang for your buck if you purchase a plan that covers accidents and illnesses, but you also have the option to purchase coverage for preventative care. 

Comprehensive coverage refers to insurance plans that take care of the insured in the event of an illness or accident in addition to routine medical care.

Additional Expenses To Keep In Mind

Even after the insurance takes effect, likely, you’ll still have to pay some of the costs out of pocket for your pet’s care. Thus, the premium payments for pet insurance are only part of the total cost. 

When making a financial plan for the protection of your pet, you should take into account the following:

  • Refunds. You are responsible for paying for any veterinarian visits and charges, and you must then submit a claim to be reimbursed (some providers may offer direct payment to vets). Plans generally pay between 70 and 90 percent of the covered costs.
  • Payout caps. Once you’ve reached the maximum coverage amount on your policy, most plans will no longer reimburse you for any additional medical expenses.

Most policies include a limit on the total annual cost of coverage. Still, others impose limits per incidence (such as illness or injury) or even for the animal’s lifespan. Be prepared to pay higher rates if your limits are increased.
Look at our website that compares the top cheap pet insurance options if you are trying to save money on pet insurance but are also on a limited budget.

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How To Get Insurance Coverage for Your Pet

Selecting the best pet insurance coverage for dogs or cats is not something pet owners need to worry about. All kinds of pets are equally covered by a decent insurance plan. The owner’s choice of coverage amount and the extent of the benefits are important considerations.

State-specific differences in pet insurance coverage and yearly policy changes are also possible.

The NAPHIA’s Pet Insurance Purchasing Guide outlines the factors you should consider when choosing coverage to assist you in making the best decision.

  • Decide which type of policy will be more appropriate. Accident-only insurance or accident and sickness coverage are options. Accident and sickness insurance provides the most comprehensive coverage, which costs more than accident-only plans. A wellness rider that includes coverage for immunizations, dental cleanings, yearly exams, and parasite prevention is available if you’d like extra coverage.
  • Get multiple quotes. You’d be shocked at how different pet insurance estimates may be from one supplier to the next. It pays to browse around before choosing a coverage since some insurers may offer twice the price for the same pet as others.
  • Take a close look at what is and isn’t covered. We advise you to make a note of the provisions of the policy regarding dental diseases, alternative medicines, behavioral modification, and genetic, congenital, and chronic problems (particularly if your pet’s breed is prone to a specific issue).
  • Look for the shortest waiting periods. There is often a 14-day waiting time before accidents and illnesses are covered. However, certain plans start covering accidents right away. Remember that some insurance companies impose long waiting periods for conditions like hip dysplasia and knee injuries.
  •  Make sure to prefer providers that offer coverage for curable pre-existing conditions. Insurance does not often cover pre-existing conditions. However, there is an exemption for “curable pre-existing conditions.” Suppose your cat previously had a respiratory infection: new infections are covered, provided the condition was treated, and the cat had no symptoms for 180 days before the policy’s effective date.

The breed and age of your pet have little impact on premiums. However, you may adjust coverage levels to stay below your spending limit:

  • Payout caps. Selecting limitless payout caps or the greatest coverage limit raises rates. Checking the typical cost of veterinary care in your region is a good idea to choose the appropriate payment limit, particularly for breed-specific and “worst case scenario” treatments.
  • Reimbursement percentage. A low reimbursement percentage translates into lower premium costs. You will, however, have a greater copayment due to this.
  • Deductibles. The smaller the yearly or per-incident deductible, the less you’ll pay for your insurance. This approach will save you money if your pet stays healthy, but you’ll pay more out of pocket if anything unforeseen occurs.

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Best Pet Insurance Discounts

Don’t forget to use any discounts that are offered to lower your monthly cost. Typical reductions include:

  • Multiple discounts. Charges that are reduced when you enroll for more than one pet with the same service provider.
  • Annual pay discount. If you pay for the coverage yearly rather than monthly, you’ll get reduced rates.
  • Spay/neuter discount. Lowered premium if you sterilize or spay your pet before enrolling
  • Military discounts. Discounts for active duty military personnel and veterans
  • Group discounts at work. Cheaper premiums for pet insurance offered at the workplace
  • Bundle discounts. Bundle with homeowners or renters insurance from the same company and save money

Most businesses provide a refund policy, also referred to as a “cooling off” or “free look” period, in places where it is legal to do so. 
Up to 30 days after membership, pet owners may get a complete refund if they change their minds about the service, provided they haven’t made any payments or filed any claims.

Best Pet Insurance FAQs

Here we answer a few frequently asked questions about the best pet insurance companies.

Is Pet Insurance Worth It?

People who own pets may wonder whether paying for pet insurance is worth the monthly cost, given how much they already spend on their dogs.

It is advantageous to obtain pet insurance if:

  • You can afford the monthly premiums and a portion (often 20%-30%) of the costly veterinarian care your pet may need.
  • Suddenly hefty vet bills are too costly for you to pay in full.
  • Your pet will benefit from comprehensive protection.
  • You enroll with a healthy, young pet.

A $200 deductible is required each year if you purchase coverage to cover medical expenditures for a 3-year-old Pomeranian. This coverage will pay up to 80% of veterinarian expenditures up to a $10,000 limit.
The youngster was diagnosed with patellar luxation, a common disorder in tiny breed dogs.

In practice, the regulation would be implemented as follows:

  1. You must pay the whole $1,500 cost of the surgery at the veterinarian’s office unless your insurance covers it.
  2. After paying the deductible ($200), the insurance company pays 80% of the remaining amount ($1,300).
  3. You will be reimbursed $1,040, bringing your out-of-pocket costs down to $460 (your 20% copayment plus the $200 deductible).

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Who Is the Best Pet Insurance For?

The best pet insurance is for all animals that need medical attention regardless of the species and breed.

What Is the Best Pet Insurance for Dogs?

The following are the top firms that provide canine pet insurance:

  • Pets Best – Best pet insurance overall
  • ASPCA – Best pet insurance for hereditary conditions
  • Figo – Best for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best for senior pets
  • Fetch – Best pet insurance for high reimbursements 
  • Spot – Best pet insurance for unlimited coverage
  • Healthy Paws – Best pet insurance for alternative therapies 
  • Nationwide – Best option for exotic pets
  • Pumpkin – Best pet insurance company for kittens and puppies 

Which Is the Best Pet Insurance for Cats?

These are the top cat insurance companies accessible right now:

  • Pets Best – Best pet insurance overall
  • ASPCA – Best pet insurance for hereditary conditions
  • Figo – Best for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best for senior pets
  • Fetch – Best pet insurance for high reimbursements 
  • Spot – Best pet insurance for unlimited coverage
  • Healthy Paws – Best pet insurance for alternative therapies 
  • Nationwide – Best option for exotic pets
  • Pumpkin – Best pet insurance company for kittens and puppies 

What Is the Best Pet Insurance?

In terms of overall performance, the following are the top pet insurance companies:

  • Pets Best – Best pet insurance overall
  • ASPCA – Best pet insurance for hereditary conditions
  • Figo – Best for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best for senior pets
  • Fetch – Best pet insurance for high reimbursements 
  • Spot – Best pet insurance for unlimited coverage
  • Healthy Paws – Best pet insurance for alternative therapies 
  • Nationwide – Best option for exotic pets
  • Pumpkin – Best pet insurance company for kittens and puppies 

Is Best Pet Insurance Expensive?

Pet insurance costs vary based on the type of policy you select and the animal you are protecting. For instance, it is usually more expensive to insure a dog than a cat.

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

Before providing coverage, many pet insurance companies may require a veterinarian checkup or a review of the animal’s medical history. These assessments aim to identify any existing circumstances for which the insurer will not be liable.

Is Pet Insurance Tax Deductible?

Pet expenses may be deducted from taxes if the animal is classified as a service or working animal. You may also lodge a claim for vet fees if you foster an animal for an IRS-recognized non-profit organization that has not reimbursed you for the care.

You may deduct pet insurance premiums, vet bills, supplies, training, grooming, boarding, and transportation costs from your taxes. Nevertheless, this is only feasible if the pet meets certain criteria, such as earning money or being required for medical reasons.

Does Pet Insurance Cover Only Cats and Dogs?

Insurance policies may be obtained for any pet, regardless of species. Yet, since cats and dogs are the most popular pets, most insurance providers only cover those two species.

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Ranking Methodology: How We Chose the Best Pet Insurance Companies

We analyzed each pet insurance company based on the following factors to select the best dependable pet insurance provider:

  • Pays veterinary exam fees: This category was assigned based on the proportion of insurers that cover medical checks for accidents or diseases, even if the prices are high.
  • Euthanasia or end-of-life expenses: Insurers that provide financial assistance for end-of-life expenditures such as euthanasia, cremation, or burial fees received a 5% rating.
  • Short waiting period: 10 percent of the score was determined by whether pet insurance providers had defined waiting periods for conditions such as anterior cruciate difficulties and hip dysplasia. Businesses with no waiting time, a waiting period of fewer than 6 months, or the ability to circumvent the waiting period scored better.
  • Pet insurance rates: We calculated the average cost of insurance plans with unlimited coverage, a $500 deductible, and a repayment rate of 90%, or the closest accessible options.
  • 24/7 vet health line: Insurance companies that provide 24-hour veterinarian health care received 10% of the overall score.
  • Multiple discounts: Points were awarded (up to a maximum of 5% of the total score) based on the number of pets covered by insurance and whether or not they qualify for a discount from the insurer.
  • Routine wellness plans: Businesses that allow clients to choose health-focused plans received a tenth of the overall score.
  • Direct payment to the vet: Businesses that have the ability to pay veterinarians directly were awarded a 10% incentive.

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The Best Pet Insurance of 2023: The Verdict

Pet insurance can be expensive, so it’s important to choose the right one to get your money’s worth.

After thorough research, here is a final overview of the most reliable pet insurance providers.

Best Pet Insurance Companies:

  • Pets Best – Best pet insurance overall
  • ASPCA – Best pet insurance for hereditary conditions
  • Figo – Best for reimbursements
  • Lemonade – Best pet insurance to process claims fast
  • Embrace – Best for senior pets
  • Fetch – Best pet insurance for high reimbursements 
  • Spot – Best pet insurance for unlimited coverage
  • Healthy Paws – Best pet insurance for alternative therapies 
  • Nationwide – Best option for exotic pets
  • Pumpkin – Best pet insurance company for kittens and puppies 

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