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Pet Insurance

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.

Last Updated: July 2019

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.

At a glance: Recommended Pet Insurance

Rank
Brand
Highlights
#1
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
#2
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
#3
Pet Insurance Experts for Over 40 Years
  • 24-hour support and advice from veterinarians
  • Shorter than average coverage waiting periods
#4
Comprehensive Coverage and Easy Claims Process
  • Offers plans with up to 100% reimbursement
  • Get access to the AI-based Figo Pet Cloud
#5
Customizable Coverage with Plenty of Discounts
  • Easy to enroll older pets and customize policies
  • Backed by a full 14-day satisfaction guarantee
#6
Pet Protection from a Well-Known Insurance Expert
  • Available wellness plan add-ons for routine care
  • Provides coverage for avian and exotic pets
#7
Coverage from Compassionate Pet Professionals
  • Multiple plan options to choose from
  • No age limits to enroll dogs or cats
#8
Trusted Name in the Pet Insurance Industry
  • Coverage for pets up to 14-years-old
  • Easy-to-use MyEmbrace pet portal

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
Pets Best Insurance Services was founded in 2005 by the veterinarian that first introduced Americans to pet insurance back in 1981. Based in Idaho and made up of a team of pet lovers and veterinary professionals, Pets Best is underwritten by American Pet Insurance Company (APIC). The company is on a mission to makeover the pet insurance industry for the better and help pet owners from across the United States be able to afford life-saving vet care for their four-legged family members.

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
Bottom 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!

Pets Best

#2 Healthy Paws

Product Highlights

  • Our Editor's Choice for pet insurance
  • Unlimited lifetime coverage for pets
Overview
Healthy Paws Pet Insurance and Foundation got its start in 2009 when the director of a no-kill animal shelter and an insurance company executive decided to blend their two passions. The result was a pet insurance company that takes pride in donating a portion of their proceeds to homeless animals. Based in Washington, Healthy Paws pet insurance is underwritten by the Chubb Group, a highly-rated and well-recognized insurer located in New Jersey. With unlimited benefits for the lifetime of your pet’s insurance policy, no caps on coverage of any kind, and industry-leading customer service, Healthy Pets is our Editor’s Choice for pet insurance. Our review of Healthy Pets is going to show you exactly how pet insurance works with this well-known company and give you the info you need to see if it’s the best insurance for your pet’s needs.

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
Bottom 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!

Healthy Paws

#3 PetPlan

Product Highlights

  • More than 40 years of experience in the industry
  • 24-hour support and advice from veterinarians
Overview
Petplan was originally founded in the UK back in the late 1970s and has since been launched in America as Petplan Pet Insurance in 2003. The company is based in Philadelphia and is underwritten by XL Specialty Insurance Company. Petplan is dedicated to putting pets first and making sure they live longer, healthier lives than ever before.

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
Bottom 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!

PetPlan

#4 Figo

Product Highlights

  • Offers plans with up to 100% reimbursement
  • Get access to the AI-based Figo Pet Cloud
Overview
Figo Pet Insurance is based in Chicago and got its start in 2012, thanks to the team’s combined passions for healthy pets and the latest technology. Figo is underwritten by the top-rated Markel American Insurance Company, which means you can rest easy in knowing your claims will be covered, even though Figo is a relatively new name in the pet insurance industry.

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
Bottom 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
PetFirst was founded in 2004, is based out of Indiana, and provides illness and injury coverage for dogs and cats in all 50 states. PetFirst has helped thousands of Americans keep their pets happy and healthy with comprehensive health insurance and they’re constantly working to improve the experience they offer to policyholders and their pets.

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
Bottom 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!

PetFirst

#6 Nationwide

Product Highlights

  • Available wellness plan add-ons for routine care
  • Provides coverage for avian and exotic pets
Overview
Nationwide is a Fortune 100 company and a top insurance provider in America that first introduced pet insurance in 1982. Nationwide Pet Insurance (formerly VPI) is underwritten by National Casualty Company and has been helping people keep their pets happier and healthier for decades. With healthcare coverage for dogs, cats, avians, and exotics, Nationwide has a pet insurance plan to suit the needs of any pet parent.

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
Bottom 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!

Nationwide

#7 ASPCA

Product Highlights

  • Multiple plan options to choose from
  • No age limits to enroll dogs or cats
Overview
Crum & Forster was founded in 1997, making them the second oldest pet insurance company in the United States. In 2006, they partnered with the American Society for the Prevention of Cruelty to Animals to form ASPCA Pet Health Insurance. Since then, the company has been on a mission to help keep animals healthy and happy, while also giving their owners financial peace of mind.

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
Bottom 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
Embrace Pet Insurance was founded in 2003 by people that are passionate about animal healthcare. They’re headquartered in Ohio and are underwritten by American Modern Home Insurance Company. Embrace is on a mission to help dogs and cats live happier and healthier lives with comprehensive coverage of pet medical care.

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
Bottom 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!

Embrace

Did you know?

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.

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