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The Best Pet Insurance Companies

Who Has the Best Pet Insurance?

Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

Friday, October 22nd

2021 Pet Insurance Company Reviews

Pets Best Review Top Consumer Reviews Best-In-Class Blue Ribbon Award 5 Star Rating

Pets Best

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Pets Best puts the power in your hands, with one of the easiest-to-use, customizable pet insurance sites in the industry. You can choose from many different combinations of annual deductibles, annual payment limits, and reimbursement levels, along with two tiers of optional routine care coverage. You can also expect fast payments on claims. Pets Best remains one of our preferred providers of pet insurance and earns our highest rating.

Embrace Review 4.5 Star Rating

Embrace

4.5 Star Rating

Embrace has been a top provider of pet insurance policies since they got their start in 2006. The pricing on their plans are offset by a unique diminishing deductible for every year your pet doesn't make a claim. A solid reputation for fast claims approval and payments should put Embrace on your list of pet insurance plans to consider for your favorite four-legged pal.

Figo Review 4.5 Star Rating

Figo

4.5 Star Rating

Figo's pet insurance plans are easy to understand and very affordable: in fact, they are the only policies on the market that include a 100% reimbursement option, in addition to unlimited annual coverage limits. Combined with 3 customization options - including Wellness coverage - Figo is an excellent choice for your pet insurance needs.

Healthy Paws Review 4 Star Rating

Healthy Paws

4 Star Rating

Healthy Paws is a great way to get peace of mind for your pet's medical needs. Big advantages of getting your pet insurance with Healthy Paws are their annual deductibles (not per covered condition), no annual coverage limits, fast payment of claims, and friendly, personalized attention to you and your animal companion. They should be on your list of top providers when considering which pet insurance plan is right for your furry friend.

Pet Premium Review 3.5 Star Rating

Pet Premium

3.5 Star Rating

One of the newest pet insurance providers in the pack, Pet Premium aims to keep your furry friend "happy, healthy, and protected". Their robust site includes a wealth of information about pets, from breeds to routine care, and even offers a puppy/breeder search. One downside is that claims are paid based on established limits for each condition, not on what you actually spent at the vet's office.

ASPCA Review 3.5 Star Rating

ASPCA

3.5 Star Rating

The ASPCA offers pet insurance that is competitive with other providers; noteworthy perks include available unlimited coverage plans and zero enrollment fees to get started. But, especially for younger pets, ASPCA's premiums tend to me more expensive, including a $2 per-payment fee on any plan not paid on an annual basis.

Trupanion Pet Insurance Review 3.5 Star Rating

Trupanion Pet Insurance

3.5 Star Rating

Trupanion has been a trusted provider of pet insurance since 2000 in Canada and 2008 in the US. All of their plans pay 90% of eligible claims, and premiums are based on deductibles ranging from $0 to $1000. You can use any licensed veterinarian/animal hospital, some of whom have a direct pay relationship that means you don't have to pay the bill and wait for reimbursement. However, a broader-than-average definition of "pre-existing condition" leaves some customers with unpaid claims.

Petplan Review 3 Star Rating

Petplan

3 Star Rating

Petplan has a wide variety of pet insurance plans to choose from, depending on the deductible/annual limits/coverage amounts you want. They're accredited with the BBB as an "A+" rated company, and their website is cute and simple to use. However, you'll pay much more for their pet insurance when compared with other providers. You may also have a hard time getting your claims paid in a timely fashion.

Pet Assure Review 3 Star Rating

Pet Assure

3 Star Rating

Petplan has a wide variety of pet insurance plans to choose from, depending on the deductible/annual limits/coverage amounts you want. They're accredited with the BBB as an "A+" rated company, and their website is cute and simple to use. However, you'll pay much more for their pet insurance when compared with other providers. You may also have a hard time getting your claims paid in a timely fashion.

Nationwide Review 3 Star Rating

Nationwide

3 Star Rating

Nationwide is well known for insuring people, but they've also been covering dogs, cats, and even more unusual pets since 1982. Their pricing is simple to understand and covers a broader range of illnesses, accidents, and even wellness if you choose their Whole Pet plan. But, you should expect to provide detailed medical histories of your pets; numerous policyholders complain that their claims were denied outright due to missing documentation or pre-existing conditions.

Pet First Review 2.5 Star Rating

Pet First

2.5 Star Rating

Pet First has been a part of the pet insurance industry since 2004. While they enjoy an A+ rating with the BBB, their plans will almost definitely cost you more than the competition, especially with deductibles that are per-incident instead of annual and coverage limits that are lower than most. Pet First probably will not have your tail wagging when it comes to pet insurance.

24 Pet Watch Review 1.5 Star Rating

24 Pet Watch

1.5 Star Rating

24 Pet Watch has been providing pet insurance as a subsidiary of Pethealth Inc. since 2003. Although they've come a long way - updating their website and making it much easier to purchase a plan - numerous customer reviews still put this provider well behind the pack, citing unexpected increases in premiums, dropped coverage, and denied claims. We recommend that you choose a pet insurance company with a stronger reputation.

Compare the Best Reviews

Continued from above...

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.

Compare Pet Insurance Companies

Select any 2 Pet Insurance Companies to compare them head to head

best-pet-insurance
  • Pets Best
  • Embrace
  • Figo
  • Healthy Paws
  • Pet Premium
  • ASPCA
  • Trupanion Pet Insurance
  • Petplan
  • Pet Assure
  • Nationwide
  • Pet First
  • 24 Pet Watch
Pets Best vs Embrace Pets Best vs Figo Pets Best vs Healthy Paws Pets Best vs Pet Premium Pets Best vs ASPCA Pets Best vs Trupanion Pet Insurance Pets Best vs Petplan Pets Best vs Pet Assure Pets Best vs Nationwide Pets Best vs Pet First Pets Best vs 24 Pet Watch Embrace vs Figo Embrace vs Healthy Paws Embrace vs Pet Premium Embrace vs ASPCA Embrace vs Trupanion Pet Insurance Embrace vs Petplan Embrace vs Pet Assure Embrace vs Nationwide Embrace vs Pet First Embrace vs 24 Pet Watch Figo vs Healthy Paws Figo vs Pet Premium Figo vs ASPCA Figo vs Trupanion Pet Insurance Figo vs Petplan Figo vs Pet Assure Figo vs Nationwide Figo vs Pet First Figo vs 24 Pet Watch Healthy Paws vs Pet Premium Healthy Paws vs ASPCA Healthy Paws vs Trupanion Pet Insurance Healthy Paws vs Petplan Healthy Paws vs Pet Assure Healthy Paws vs Nationwide Healthy Paws vs Pet First Healthy Paws vs 24 Pet Watch Pet Premium vs ASPCA Pet Premium vs Trupanion Pet Insurance Pet Premium vs Petplan Pet Premium vs Pet Assure Pet Premium vs Nationwide Pet Premium vs Pet First Pet Premium vs 24 Pet Watch ASPCA vs Trupanion Pet Insurance ASPCA vs Petplan ASPCA vs Pet Assure ASPCA vs Nationwide ASPCA vs Pet First ASPCA vs 24 Pet Watch Trupanion Pet Insurance vs Petplan Trupanion Pet Insurance vs Pet Assure Trupanion Pet Insurance vs Nationwide Trupanion Pet Insurance vs Pet First Trupanion Pet Insurance vs 24 Pet Watch Petplan vs Pet Assure Petplan vs Nationwide Petplan vs Pet First Petplan vs 24 Pet Watch Pet Assure vs Nationwide Pet Assure vs Pet First Pet Assure vs 24 Pet Watch Nationwide vs Pet First Nationwide vs 24 Pet Watch Pet First vs 24 Pet Watch
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