Best Pet Insurance

The average emergency vet bill costs at least $500 and unexpected life-saving surgery can reach over $10,000! Pet Insurance plans are just like the human variety, offering various deductibles, coverages, and premiums. We’ve reviewed our favorite and most trusted pet insurance providers to help you and your pet get the ultimate peace of mind.

#1

Pets Best

In-depth pet insurance with an annual deductible. Shortest waiting periods in the industry. Quick claims process. Direct deposit available for vet bill reimbursement.

#2

Healthy Paws

Our Editor’s Choice. Top-rated pet insurance coverage. 30-Day Free Look for new customers. Donations to help homeless pets. Covers dog hip dysplasia treatment.

#3

PetPlan

Over 40 years in the pet insurance industry. 24-hour customer support and vet advice. Dog hip dysplasia coverage. No enrollment age limits.

Welcome to Our List of the Best Pet Insurance of 2019

Did you know that veterinary surgery can cost up to $10,000? Pet insurance for your dog or cat helps you to be prepared for the unexpected and allows you to be the best pet parent possible. Your furry friend will be able to get the veterinary care they need with pet health insurance and you won’t have to worry about paying out of pocket for life-saving procedures. The best pet insurance companies will pay up to 90% of your vet bills and help your pet to live a longer and healthier life.

Our list of recommended pet insurance providers will guide you through how to choose the best pet insurance. We’ll show you how to afford pet insurance and which companies have the first-rate coverage you want for your fur babies. Our pet insurance reviews will answer all of your questions and put you on the path to choosing the right pet insurance for your dog or cat. Plus, you’ll learn what real pet owners have to say about using pet insurance for their furry family members.

How We Chose Pet Insurance for Our Recommended List

1) Included Coverage

Not all pet insurance policies are the same. Some cover only accidental injuries, while others provide coverage for illnesses like cancer, and yet others offer payment reimbursement for preventative care. Most pet owners choose to enroll their dog or cat into a plan that covers accidents and illnesses, in order to make sure they won’t have to pay out of pocket for veterinary care if their pet is unexpectedly injured or becomes sick. Our list of recommended pet insurance plans will help you to choose the right coverage type for your pet.

2) Provided Benefits

Pet insurance policies usually offer either capped or unlimited benefits. If you choose pet insurance with unlimited lifetime benefits, you’ll be reimbursed for every vet bill your pet has for his entire life once the deductible has been met. With annual maximum benefits pet insurance, you will find there’s a cap on payouts each year, which is typically around $15,000 after your deductible is met. There are also per-incident pet insurance benefits, which usually makes for a lower monthly premium, but it means you won’t be reimbursed for any vet bills beyond a specific amount each year.

3) Deductible Types

The top-rated pet health insurance companies do their best to allow you to customize your policy with a variety of deductible types. Most pet insurance companies have annual or lifetime deductibles. Deductible amounts will vary by the company but are typically between $200 and $1,000 for most pets, although the most common deductible amount is $500. Once you’ve met your deductible for the year or the lifetime of your pet, your insurance company will pay a certain percentage of all vet bills.

4) Reimbursement Models

The best pet health insurance companies will pay up to 90% of your vet bills after your deductible has been met. Typical reimbursement amounts are around 70% and that means you will be expected to pay 30% of the bill out of pocket. Most pet insurance companies work on a reimbursement model, where you submit a claim with a copy of the paid invoice and they send you a check for the reimbursable amount. But there are some pet insurance companies that will pay your veterinarian directly for the portion of the bill they cover.

5) Monthly Premium Costs

How much is pet insurance? Well, that depends on a variety of factors, including your pet’s breed, age, and medical history. Your choice of deductible amount and reimbursement rate will also play a part in your monthly pet insurance premium. Our list of the best pet insurance providers includes detailed information on how to get low-cost pet insurance and which companies provide you with a free custom pet insurance quote.

Our full list of Pet Insurance for 2019

Sort: Editor’s Choice

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Our full list of Pet Insurance for 2019

#1 Pets Best
Product Highlights
  • Preventative care can be added to any policy
  • Coverage in Canada, Puerto Rico, and the U.S.

Overview

Excellent Pet Insurance Option for Pets of Any Age
  • No age limit on enrollments or policy renewals
  • Preventative care can be added to any policy
  • Access to 24/7 expert pet healthcare helpline

Pros

  • No payout or enrollment age limits on any plan
  • Access to a 24-hour expert pet care helpline
  • 30-day money-back satisfaction guarantee
  • No age limit on enrollments or policy renewals

Cons

  • No coverage for holistic or alternative therapies
  • Premiums can be increased upon policy renewal

bottomlinelogoBottom Line

Even with some benefit limits, we found Pets Best to be one of the best pet insurance companies out there, thanks to low-cost monthly premiums, the addition of optional wellness plans, and customizable deductibles and reimbursement percentages. If you have a pet of any age that you want to keep protected, we highly recommend choosing Pets Best for your pet insurance needs. You’ll get 24/7 access to expert veterinary advice, quick claims processing, and coverage even when you travel with your pet. Looking for low monthly premiums and pet wellness coverage? Sign up for Pets Best today!
#2 Healthy Paws
Product Highlights
  • Our Editor's Choice for pet insurance
  • Unlimited lifetime coverage for pets

Overview

Our Editor's Choice for Pet Insurance with Customizable Benefits and Fast Claims
  • Enjoy totally unlimited lifetime coverage for your pets
  • Get a 30-day free trial and full hip dysplasia coverage
  • Available direct veterinarian payment claims option
  • Donation made to homeless pets with every quote

Pros

  • Annual vs. per incident deductible
  • Easy online submission of claims
  • Direct veterinarian payment option
  • Covers pets in U.S. and Canada

Cons

  • Doesn't offer a pet wellness plan option
  • 12-month waiting period for hip dysplasia

bottomlinelogoBottom Line

Even without vet exam fees being covered and a lengthy waiting period for the reimbursement of dog hip dysplasia treatment, we found it hard not to recommend Healthy Paws to our own friends and family. This pet insurance company simply offers too many benefits at very reasonable pricing for us to pass it up as our Editor’s Choice. Simply put, Healthy Paws is an awesome pet insurance provider, thanks to their top-notch support, fast and simple claims process, unlimited lifetime coverage, and direct vet payment option. Plus, you’ll not only be able to protect your own furry buddy, but you’ll also get the good feeling that comes with helping homeless pets. Keep your pet healthy and give back to animals in need by signing up for Healthy Paws today!
#3 PetPlan
Product Highlights
  • More than 40 years of experience in the industry
  • 24-hour support and advice from veterinarians

Overview

Pet Insurance Experts for Over 40 Years
  • 24-hour support and advice from veterinarians
  • Shorter than average coverage waiting periods

Pros

  • Comprehensive pet health insurance
  • Shorter than average waiting periods
  • Quick and easy claims by mobile app
  • Makes regular donations to pets in need

Cons

  • Pets must see a vet within 48-hours of illness or injury
  • Annual health and dental checkups required for coverage

bottomlinelogoBottom Line

Even with a couple of requirements to meet before you can be reimbursed for your pet’s medical care, Petplan ranks as one of the best pet insurance companies, in our opinion. They provide pet parents with in-depth coverage for their dogs or cats, and there aren’t any enrollment age limits. If you want to keep your pet happy and healthy, especially if you have an older four-legged family member, we highly recommend enrolling them in Petplan. You’ll get 24-hour support and expert advice, quick claims processing, and be able to feel good in knowing that your policy premiums are going to help pets in need. Get 24/7 support and advice from pet insurance experts by signing up for Petplan today!
#4 Figo
Product Highlights
  • Offers plans with up to 100% reimbursement
  • Get access to the AI-based Figo Pet Cloud

Overview

Comprehensive Coverage and Easy Claims Process
  • Offers plans with up to 100% reimbursement
  • Get access to the AI-based Figo Pet Cloud

Pros

  • 30-day guarantee with Free Look period
  • 24-hour access to licensed veterinarians
  • Available veterinary exam reimbursement
  • Unlimited coverage for lost or stolen pets

Cons

  • Less experience in the industry than other providers
  • Doesn't provide a 24-hour customer support option

bottomlinelogoBottom Line

Although we wish Figo had 24/7 customer support, we were blown away by the coverage they offer, the fact that there aren’t any age limits on enrollment, and that they provide so many ways to get a discount on their pet insurance policies. If you’re looking for a pet insurance company that’s keeping up with the times by embracing the latest technology, all so you can keep your pet happier and healthier, Figo is the way to go. We were also super-impressed by the customizable policy options and reasonable premium rates. Looking for modern pet insurance? Try Figo risk-free for 30 days and protect your pet today!
#5 PetFirst
Product Highlights
  • Easy to enroll older pets and customize policies
  • Backed by a full 14-day satisfaction guarantee

Overview

Customizable Coverage with Plenty of Discounts
  • Easy to enroll older pets and customize policies
  • Backed by a full 14-day satisfaction guarantee

Pros

  • Optional routine care coverage
  • Coverage for holistic therapies
  • No age limits for enrolling pets
  • Flexible reimbursement rates

Cons

  • Doesn't offer unlimited annual benefit option
  • Slower claims reimbursement in some cases

bottomlinelogoBottom Line

Although there’s a cap on annual benefits coverage and a bit longer of a wait to get reimbursed, we were super-impressed with PetFirst and how they help pet parents and their four-legged family members. We loved how easy it was to sign up even older pets, thanks to no age limits on PetFirst enrollments. So, what’s our verdict on PetFirst? We highly recommend protecting your pet with their customizable pet insurance policies, short waiting periods, in-depth pet health insurance coverage, and optional routine medical care reimbursement. Get hassle-free pet insurance from PetFirst and try it risk-free for up to two weeks!
#6 Nationwide
Product Highlights
  • Available wellness plan add-ons for routine care
  • Provides coverage for avian and exotic pets

Overview

Pet Protection from a Well-Known Insurance Expert
  • Available wellness plan add-ons for routine care
  • Provides coverage for avian and exotic pets

Pros

  • Well-known insurance experts
  • Unlimited claims with most plans
  • Real-time tracking with mobile app
  • Multiple partner discounts available

Cons

  • Only offers annual per-condition benefits
  • Coverage isn't available in every state

bottomlinelogoBottom Line

Although there are some coverage limits with Nationwide’s more cost-effective plans, they offer so many great benefits for pet owners, including access to licensed veterinarians via their pet helpline, we couldn’t help but be impressed with their top-tier pet insurance plans. If you want to protect your dog or cat with pet health coverage from one of the nation’s leading insurance companies, you can’t go wrong with choosing Nationwide Pet Insurance. You’ll also get some awesome discounts through employee benefit offers and other exclusive partnerships. Get coverage from a well-known expert in the field by signing up for Nationwide Pet Insurance!
#7 ASPCA
Product Highlights
  • Multiple plan options to choose from
  • No age limits to enroll dogs or cats

Overview

Coverage from Compassionate Pet Professionals
  • Multiple plan options to choose from
  • No age limits to enroll dogs or cats

Pros

  • Visit any vet in the U.S. or Canada
  • Full 30-day money-back guarantee
  • Optional wellness coverage for pets
  • Fast & user-friendly sign-up process

Cons

  • Policy changes can be confusing and difficult to make
  • Some policyholders report lengthy claims process

bottomlinelogoBottom Line

Even though some customers seemed irked by how long it took to receive a check from ASPCA Pet Health Insurance, that wasn’t our experience at all, and we wouldn’t hesitate to recommend this pet insurance company to family and friends. If you’re looking for great coverage at reasonable rates, with no age limits on enrollment, and a friendly customer support team, you should definitely give ASPCA Pet Health Insurance a risk-free try with their 30-Day Free Look program. Get in-depth and expert coverage for pets of any age with ASPCA Pet Health Insurance!
#8 Embrace
Product Highlights
  • Coverage for pets up to 14-years-old
  • Easy-to-use MyEmbrace pet portal

Overview

Trusted Name in the Pet Insurance Industry
  • Coverage for pets up to 14-years-old
  • Easy-to-use MyEmbrace pet portal

Pros

  • Covers exams & alternative therapy
  • Multiple partner discounts available
  • 24/7 expert advice with whiskerDocs
  • Unique diminishing deductible feature

Cons

  • Doesn't offer unlimited annual claims option
  • Charges $25 enrollment fee for new pets

bottomlinelogoBottom Line

Even with the addition of an upfront enrollment fee and the lack of unlimited yearly coverage, we couldn’t help but be impressed by what Embrace Pet Insurance has to offer pet parents. You’ll get coverage against breed-specific conditions and can enroll senior pets without worrying about them being dropped later down the line. Embrace also offers optional wellness plans to help keep pets healthy, which we didn’t encounter with many of the other pet insurance providers that we’ve reviewed. And you’ll benefit from short waiting periods when enrolling your pet, as well some of the most flexible reimbursement rates available. Personalize your pet’s insurance with Embrace and get 24/7 expert advice from veterinarians!

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Did you know?

Pet Insurance

By default, most regular checkups and vaccinations are not included in pet insurance policies. Pet insurance is designed to help offset the cost of emergency veterinary medicine. If you’re looking for an all inclusive plan, some pet insurance companies allow you to bundle in “wellness plan” extras. These cover regular checkups, medications, and vaccinations. Be sure to do your homework and get quotes from several pet insurance providers to make sure routine pet care coverage makes the most financial sense for your family.