The 10 Best Pet Insurance Companies
What is the Best Pet Insurance Company?
If you're a pet owner, chances are you've thought about how to care for your furry friend in the event of an emergency. Veterinary bills can add up quickly, especially if your pet needs surgery or treatment for a chronic illness. Pet insurance can help cover these unexpected costs, making it easier to provide the best care for your pet without breaking the bank.
From puppies prone to accidents to older cats with ongoing health needs, pet insurance can be a valuable tool to help you manage costs while giving your pet the treatment they deserve.Pet insurance comes in a few different types, which vary based on the coverage they offer. For instance, some plans only cover accidents, such as a broken leg from a fall, while others offer more comprehensive coverage that includes illnesses, wellness checkups, and vaccinations.
Wednesday, January 22nd
2025 Pet Insurance Company Reviews
Embrace
Embrace Pet Insurance offers great coverage for your furry friends, with a few standout features that set them apart. We appreciate their hip dysplasia coverage on all accident/illness policies, no waiting period for accidents, dental illness coverage, and the ability to use their insurance internationally. Their Healthy Pet Deductible program is a unique perk that can reduce your annual deductible by $50 for each claim-free year. With 24/7 pet telehealth services and a flexible Wellness Rewards plan for preventive care, Embrace provides peace of mind for pet owners. Given their comprehensive coverage and customer-friendly features, we've awarded Embrace a top 5-star rating in our pet insurance rankings.
Spot
Spot has an affordable accident-only pet insurance plan that even includes exam fees. Their accident and illness plan is comprehensive, but if you need even more coverage, you can opt for a wellness plan. The waiting period for most conditions is only 14 days (as opposed to 6 months for orthopedic conditions) and your claim will be processed in about a week. The company is rated well by customers and the Better Business Bureau alike. Spot is just missing a couple of perks that our first-place pet insurance company offers, so it comes in second.
Fetch
Fetch covers cats and dogs from 6 weeks old and up. Their accident and illness plan includes coverage for reward fees for missing pets and dental care for every tooth and the gums. There is a 6-month waiting period for hip and knee problems, but it can be waived with an exam. Fetch takes 15 days to process your pet insurance claims. Customers have speculated that Fetch increases their prices based on how many claims you've filed, and the company hasn't given a straight answer either way - which leads us to believe they do. Fetch gets a high rating for great coverage, but you may still want to consider the two pet insurance companies that rank higher.
ASPCA
Short ASPCA covers cats and dogs in the US and Canada. The monthly pet insurance premiums for accident and illness coverage are reasonable, even for senior dogs. There are no unusual exclusions for their plans, and exam fees are covered. The 14-day waiting period is reasonable. However, it can take around a month for claims to be processed, and there are reports that you need approval 2 months in advance to cancel your policy. We can't rate ASPCA higher for these reasons.
Pet Assure
Pet Assure isn't a traditional pet insurance company. If the prospect of fighting a multi-million dollar company to reimburse you for a claim of a few thousand dollars makes you want to swear off pet insurance altogether, this might be the alternative you're looking for. Absolutely every condition or illness for any kind of pet is eligible for a 25% discount from their network of 5,600 veterinarians when you're a Pet Assure member, and it costs just $11.95 a month for one dog. Their website could be clearer - you may need to sign up for their wellness plan to use the discount plan - but they have great approval from customers and the Better Business Bureau alike.
Figo
Figo covers dogs and cats starting around $60 and $26 a month, respectively. Their coverage is comparable to other pet insurance providers with the exception of a couple of uncommon exclusions that may or may not make a difference to you. Claims are processed in 2-3 days, and they don't increase your premium based on how many claims you've filed. We'd recommend trying them out if you request a quote and like what you see. Just be sure to read the fine print.
Pets Best
If you're looking for pet insurance, Pets Best might catch your eye with monthly premiums starting at $10 and direct vet payments. They offer a range of plans, from basic accident coverage to comprehensive illness protection and wellness add-ons. However, their coverage has exclusions for common pet health issues like parasites, and the illness plan won't cover your pet at all if they have ever been diagnosed or showed symptoms of a range of health issues, including diabetes. While Pets Best has some appealing features, we think you can find better options elsewhere for your pet's health insurance needs.
Trupanion
Trupanion advertises their 90% reimbursement rate and no annual payout limits as perks, but are they really when it means your monthly premiums will be significantly higher than competitors that allow you to adjust your rates and limits to fit your budget? While Trupanion promises not to increase rates based on your pet's age, many customers experience substantial price hikes over time anyway. Trupanion doesn't offer add-ons to cover exam fees and preventive care. We're concerned by the company's legal troubles, too. Despite some positives, like direct pay, good dental coverage and their Pet Owners Assistance package with liability coverage for property damage, Trupanion is difficult to recommend over other options in the pet insurance market.
Healthy Paws
Healthy Paws' insurance coverage for cats and dogs starts at $15 and $20 a month, respectively, and is average at best. While they cover most conditions their competitors do, they don't cover hip dysplasia for pets enrolled past age 5 and don't offer wellness plans to fill in the gaps their accident and illness plan leaves. Healthy Paws has been named in a class action lawsuit for increasing premiums based on pet age, which breached its own contract. Customers also warn that processing time for claims has slowed. For these reasons, we can't recommend Healthy Paws for pet insurance.
Nationwide
Nationwide may be the only insurance company in this review that insures exotic pets, but their coverage falls far behind what other pet insurance providers offer. You won't get illness coverage until your second term, and there is no coverage for hereditary and congenital conditions or behavioral issues. The company was embroiled in controversy when they canceled the policies of older pet owners to save themselves money. We cannot recommend Nationwide for your pet insurance needs.
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Basic accident-only plans tend to be more affordable, but they won't help if your pet develops a long-term health condition. Comprehensive plans may include preventive care as well, though they often come with higher monthly premiums. Other policies cover hereditary or congenital conditions, which can be particularly important if your pet is a breed known for specific health issues.
The cost of pet insurance depends on factors like your pet's age, breed, and health history, as well as the type of coverage you choose. Monthly premiums can range from under $10 to over $100, so understanding the differences among plans can save you money in the long run. Additionally, different insurance companies have various reimbursement models and payout limits. Some plans reimburse a percentage of each vet bill, while others have annual limits, meaning you'll want to consider how much you're likely to spend on your pet's healthcare each year.
It's important to choose the right pet insurance plan the first time. If you decide to switch to another provider later, any health issues your pet has developed in the meantime will be considered pre-existing conditions by the new provider and not covered. You should also be aware that "upgrading” to a better policy from the same provider can technically be considered canceling your old policy, meaning the conditions your pet is currently covered for may become considered pre-existing.
Here are some key factors to keep in mind when shopping for pet insurance:
- Coverage options. Decide whether you want a plan that covers only accidents or one that includes illnesses and preventive care. Comprehensive plans can offer peace of mind, but they come with a higher price tag.
- Reimbursement structure. Look at how each plan reimburses you for vet bills. Some cover a percentage of each bill (like 80% or 90%), while others have a fixed payout per condition. Choose the one that best matches your budget and expected vet expenses.
- Annual limits and deductibles. Most plans have a yearly or per-condition deductible. Be sure you understand the amount you'll need to pay out of pocket before coverage kicks in. Plans with lower deductibles tend to cost more per month but cover costs sooner.
- Breed-specific coverage. Certain breeds are prone to genetic health issues. Make sure your policy covers any conditions common in your pet's breed if you think it could be a future concern.
- Claims process. Filing a claim can take anywhere between 2 days and 30. Choose a provider that doesn't require a lot of back-and-forth about medical records. Some providers even pay your vet directly, no claim necessary.
- Customer reviews and reputation. A company's reputation can tell you a lot about its service quality. Reading reviews can give you insight into how well claims are handled and how easy the process is overall.
Top Consumer Reviews has evaluated and ranked the best pet insurance companies available. We hope this review helps you find the best service for your pet, so you can feel confident they're covered, no matter what life brings.
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