11 Best Pet Insurance Companies of September 2021


Pet insurance is a way for pet owners to find peace of mind knowing that when an unexpected injury or illness occurs, they can expect part or all of the covered veterinary treatment to be reimbursed.

Unexpected veterinary care for dogs and cats can cost between $800 and $1,500 on average, depending on where you live, thus making financial planning an essential part of pet ownership.

Like any other type of insurance, pet insurance coverage and costs vary greatly based on your unique situation. Knowing this, our team compared our partner providers to identify the best for different needs. This way, all pet owners can find the policy and financial protection they need — whether that be an affordable premium or broader coverage.

Best pet insurance reviews

Embrace: Best for coverage

  • Offers a diminishing deductible of $50 each year you don’t receive a claim payment
  • Plans include an accident and illness or accident-only policy and optional wellness coverage
  • Will cover curable pre-existing conditions that go symptom-free for 12 months

Embrace sold its first policy back in 2006 and has been an industry leader ever since. The company only offers pet insurance, ensuring that its customers and their pets get its full support.

The Embrace pet insurance plan was our choice for the best coverage as it was the most comprehensive pet insurance policy of all of the companies we reviewed. On top of similar coverage from other companies, Embrace also covers dental illnesses, exam fees, alternative therapies, and more.

An important term to be aware of with pet insurance is pre-existing conditions. These are conditions that occur before or during your waiting period, and many insurance companies won’t cover them. However, Embrace distinguishes between curable and incurable pre-existing conditions. Meaning that if your pet remains symptom- and treatment-free for 12 consecutive months, the condition will be covered in the future.

To help you understand what is and isn’t a pre-existing condition, Embrace offers a free Medical History Review after you enroll. With a 30-day money-back guarantee, you can rest assured that if anything comes up that you aren’t happy with, you have the freedom to cancel your policy and walk away with no incurred costs.

>> Visit Embrace’s website for a quick, free quote to get your customized policy.

Spot: Best for a limited waiting period

  • Well-known dog behaviorist Cesar Milan serves as Chairman
  • Plans include an accident and illness or accident-only policy, and optional wellness coverage
  • There are no per-incident limits or lifetime caps

Spot is one of the newer pet insurance providers. However, all of its policies are underwritten by United States Fire Insurance Company which was established in 1822 and began underwriting pet insurance policies in 2006.

A waiting period is a common requirement for all pet insurance companies after enrollment. This ensures that you don’t take advantage of the pet insurer by signing up after an injury or illness has already occurred.

Any injury or illness that occurs before or during the waiting period will be determined a pre-existing condition and will not be covered by the company. One way to reduce this risk is to find a pet insurance company that offers a shorter waiting period than the rest.

Spot stood out in this area, and this is why it’s our choice for the best pet insurance with a limited waiting period. The company requires a 14-day waiting period for both injuries and illnesses, which is mostly standard. It does not require a 6-month waiting period for any cruciate ligament or orthopedic injuries like many other companies do.

As those injuries can require some of the more costly treatments, it’s nice to know that several months into your waiting period, you won’t have to worry about an unexpected injury occurring and being deemed a pre-existing condition.

>> Visit Spot’s website for a quick, free quote to get your personalized policy.

Healthy Paws: Best for fast claims

  • 99% of claims are processed within two days
  • Offers one single, comprehensive accident and illness policy with unlimited coverage
  • See the status of your claim in real-time through the computer or mobile app

Founded in 2009, Healthy Paws is one of the more well-known pet insurance companies. It’s earned praise from many in the industry, but most importantly, from its customers. As of April 5, 2021, the company has received over 1,000 reviews on Trustpilot, with a score of 4.4 out of 5.

Healthy Paws pet insurance includes one policy that comes with no caps on claim payouts and reimburses you based on your actual vet bill, not based on what the company thinks your pet’s condition should have cost.

Anyone who has submitted a claim to an insurance company knows how stressful waiting to be reimbursed can be. Healthy Paws is committed to its customers to limit the time you have to wait to have your claim processed. According to its website, 99% of claims are processed in two days.

With any insurance company, fast claims aren’t the only factor worth considering. You should also consider the company’s financial strength and stability to ensure it can meet its financial obligations. With Healthy Paws, you can feel confident in that strength and stability. The company partnered with Aon Corporation, a global insurance broker with over $30 billion in assets. Additionally, its policies are underwritten by Chubb Group, an A+ rated insurer with over $25 billion in surplus.

For these reasons, Healthy Paws is our choice as the best for fast claims.

>> Visit Healthy Paw’s website for a quick, free quote to get your customized policy.

ASPCA: Best for an experienced company

  • Has insured over 400,000 dogs and cats, processing more than 1.6 million claims
  • Plans include an accident and illness or accident-only policy and optional wellness coverage
  • All plans include access to Anytime Pet Healthline to consult a veterinary professional in an emergency

Founded in 1866, ASPCA, also known as the American Society for the Prevention of Cruelty to Animals, is most widely known for its efforts to prevent animal cruelty. However, starting in 2006, a strategic partnership with United States Fire Insurance Company created ASPCA Pet Health Insurance.

United States Fire Insurance Company has, over the last 20 years, insured more than 400,000 dogs and cats while processing more than 1.6 million claims. So, experience is certainly not lacking from this team of over 1,000 employees.

Through ASPCA, pet parents can choose one of two pet insurance plans: a comprehensive accident and illness policy or an accident-only policy. There is also an optional wellness plan for those looking to be reimbursed for preventative or routine care that can be attached to your policy.

>> Visit ASPCA’s website for a quick, free quote on your personalized policy.

Best of the rest

If you didn’t find a company above that offers the coverage you and your pet need, here are the rest of our picks for the best pet insurance companies for dogs and cats.

Company Our Choice
Prudent Pet Best for a 24/7 licensed vet chat
Pets Best Best for deductible flexibility
FIGO Best mobile app
Petplan Best for virtual vet visit coverage
PetFirst Best for a short waiting period for accidents
Trupanion Best for paying the vet directly
Pumpkin Best for preventative or routine care

How we determined the best pet insurance companies

Our team conducted over 40 hours of research to compare all of our partners based on policy terms, coverage inclusions and exclusions, quotes we received for different pets, and customer reviews to determine the best pet insurance companies.

Here is a brief breakdown of what we looked at and what we valued within these four categories.

  • Policy terms: Some factors we considered included deductibles, reimbursement rates, benefit limits, and discounts. We valued customization and pet insurance plans that clearly outlined what a policyholder could expect if they enrolled.
  • Coverage inclusions and exclusions: This was where we dove into sample policies and company resources to identify what would and wouldn’t be covered for your pet. We valued comprehensive coverage.
  • Quotes we received for different pets: We submitted at least five quotes for each pet insurance company to gather a picture of how affordable their premiums would be. We valued companies with fair pricing and premiums that wouldn’t break the bank.
  • Customer reviews: We primarily used Trustpilot to see how customers felt about each company, the customer service experience, and the policies they offered. We valued positive customer reviews as happy customers are a good sign for any product.

Now that you can better understand what we looked at when determining which companies were the best, here is a full list of the pet insurance companies considered in our review.

Helpful tips for taking the next step

Insurance companies typically avoid disclosing pricing information because it’s tough to accurately present pricing to all potential customers when each policy is designed uniquely for your needs and background.

For this reason, we recommend identifying the companies on this list that stand out to you and submitting a free quote with each so that you can get an accurate understanding of what coverage your pet will receive and what a policy will cost.

Nearly all of these companies allow you to customize the terms of your policy once you receive your quote so that you can find a monthly premium that meets your budget and offers maximum financial protection at that price.

We submitted several online quotes with each provider listed above, and each form took less than two minutes to complete. There were no accounts to set up, no verification requirements, and no obligations.

Pet insurance FAQs

How does pet insurance work?

Pet insurance reimburses you for unexpected accidents and illnesses suffered by your pet. Its purpose is to help pet owners avoid significant financial loss from hefty unanticipated veterinary bills. It’s also a way to avoid having to make a difficult decision on whether or not you can afford to treat your pet in an emergency.

Following enrollment and the completion of your waiting period, you’ll be responsible for all costs until you meet your deductible. Your deductible is a customizable term on your policy and typically varies between $50 to $1,000 per year. Those who choose a higher deductible will normally pay a lower premium.

Regardless of whether you’ve met your deductible requirement, make sure always to file claims for vet bills you receive.

Once your deductible has been met, you’ll start being reimbursed for vet bills incurred for conditions covered by your policy. These reimbursement rates are customizable and typically vary between 70% to 90% but can go up to 100% in some cases. If you have a reimbursement level of 80%, your provider will cover 80% of the vet bill, and you’ll be responsible for the other 20%.

The final customizable piece of your policy is your benefit limit. This limit is the maximum amount your provider will pay out in claims. Coverage limits are typically annual but can be per-incident or set for the life of your policy as well. These payout limits generally are between $5,000 and $20,000 but can be unlimited.

What is the best pet insurance?

Most pet insurance companies offer quality coverage with a few differences from the rest. These differences can be significant when it comes to lifetime costs for your pet’s care. Our selections of the best pet insurance focused on identifying where each of these companies stood out amongst the rest. This way, pet owners can easily find the pet insurance company that offers the benefits that they most value.

Here is a recap of our selections:

Company Our Choice
Embrace Best coverage
Spot Best for a limited waiting period
ASPCA Best for an experienced company
Prudent Pet Best for a 24/7 licensed vet chat
Pets Best Best for deductible flexibility
FIGO Best mobile app
Petplan Best for virtual vet visit coverage
PetFirst Best for a short waiting period for accidents
Trupanion Best for paying the vet directly
Pumpkin Best for preventative or routine care
Healthy Paws Best for fast claims

Is the best dog insurance different than the best cat insurance?

All of the pet insurance companies we reviewed offered coverage to both dogs and cats. For that reason, our picks for the best pet insurance companies would remain the same for either a dog or cat.

It’s worth noting, however, that some differences showed up in our research. One difference was the benefit limit offered to dogs and cats by Pumpkin. The benefit limit for dogs was $10,000 or $20,000, while the benefit limit for cats was $7,000 or $15,000. Another difference we noticed was specific to preventative care options. Certain plans had benefit limits for vaccinations that, while the same in value, were reserved for different types of vaccinations (rabies vs. feline, for example).

When is the best time to take out pet insurance?

For the full benefits of pet health insurance, it’s recommended that you insure your pet when they are still a puppy or kitten. This is because younger pets are deemed to be at less risk for accidents or illnesses when compared to older pets. For an insurer, less risk is better, often leading to more affordable premiums.

Another benefit for younger pets is that they usually haven’t developed any pre-existing conditions yet. Pre-existing conditions are not covered by pet insurance providers, limiting the coverage options you can receive. Getting ahead of these risks is essential to maximize the value of a policy.

>> Read More: Is there pet insurance with no waiting period?

What does pet insurance cost?

The price of pet insurance is determined by several factors such as type of pet, breed, age, location, policy terms, and more. Nearly all providers allow for some form of customization to the policy, allowing you to receive different prices while many of the factors mentioned remain the same.

We received several quotes from the providers mentioned above, and prices varied from under $20 to over $130 per month. However, some providers do claim to offer policies with even lower premiums than what we received.

What does pet insurance cover?

Pet insurance is intended to cover unexpected accidents and illnesses. Coverage can vary by company, the type of policy selected, and any inclusion of optional add-ons.

Generally speaking, policyholders are reimbursed for accidents, illnesses, hereditary and congenital conditions, alternative therapies, behavioral issues, chronic diseases, cancer treatment, diagnostic testing, exam fees, prescriptions, specific dental work, hospitalization, surgery, and more.

>> Read More: What does pet insurance cover?

What does pet insurance not cover?

Excluded treatment will vary by company, but generally, most exclude the same things. Some of these items include pre-existing conditions, cosmetic procedures, experimental therapies, breeding costs, and preventative care.

To better understand how pre-existing conditions and preventative care are handled, check out the questions below.

What happens if my pet has a pre-existing condition?

Pre-existing conditions are excluded from nearly all pet insurance provider’s policies. The reason for this is simple. Providers don’t want pet owners to sign up for coverage only after their pet has suffered an unexpected injury or illness.

These pre-existing conditions won’t restrict your ability to enroll in a plan; it’ll just limit what claims your provider will payout. However, a new trend is growing in the pet insurance industry. Several providers have started to distinguish pre-existing conditions between incurable and curable.

A curable pre-existing condition is free of treatment and symptoms for a certain number of days. Once that period is met, the provider will begin offering coverage for that condition.

Learn more about how pre-existing conditions impact pet health insurance.

Does pet insurance cover routine care?

Pet insurance does not cover routine care. Providers offer this as an optional wellness plan that can be attached to your pet insurance policy. It typically comes with an added monthly cost, no deductible, and usually a set benefit limit each year.

Some preventative care items that can be covered with a wellness plan include an annual exam, vaccinations, blood screening, fecal tests, urinalysis, heartworm/flea prevention, spaying/neutering, and more.

>> Read More: Pet wellness plans vs. pet insurance

Additional readings to help with your decision

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