The Best Pet Insurance Companies
- Lemonade: Our top pick
- Spot: Most Customizable Coverage
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Embrace: Our Pick for Savings
- Fetch: Our Pick for Comprehensive Coverage
- Healthy Paws: Most affordable unlimited coverage
- Figo: Most flexible reimbursement rates
- Nationwide: Our pick for nationwide members
- Trupanion: Our pick for unlimited payouts
- Pets Best: Our pick or vet direct pay
Why Trust Us?
Here’s a breakdown of how we reviewed and rated the best pet insurance companies5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
The 10 Best Pet Insurance Providers Reviewed
Lemonade
Most AffordablePlan options: 5/5
Custom coverage levels: 4.3/5
Covered treatments: 5.3/5
Customer experience: 4.3/5
Waiting periods: 5/5
Reputation: 4.5/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked Lemonade
Lemonade is our top pick due to its affordable accident-and-illness and wellness plans and excellent customer care. Plans start at around $10 per month, making them appealing to pet parents looking to spend less. Lemonade also offers a 5% annual discount, a 5% discount for enrolling multiple pets and a 10% discount for bundling your policy with Lemonade property insurance.
Standout feature: Lemonade features a best-in-class mobile app that lets customers enroll pets in seconds and get paid for covered claims in minutes. You can also manage your pet’s health, file claims and track policy coverage and billing.
Customer Experience
To better understand customer experiences, we surveyed 1,000 pet owners who have insurance policies with our top providers. Of the 61 respondents who reported having a policy with Lemonade, the top reason for choosing the company was its low pricing. Most of those pet owners reported little to no issues when filing a claim with Lemonade and saw reimbursement within one to two weeks.
However, some respondents noted issues with customer service and communication and saw reimbursement times of three to four weeks. Of our survey respondents with Lemonade, 65% plan to re-enroll once their coverage ends, with others opting for a different provider.
Spot Pet Insurance
Most Customizable CoveragePlan options: 5/5
Custom coverage levels: 5/5
Covered treatments: 4.7/5
Customer experience: 4.7/5
Waiting periods: 4.5/5
Reputation: 4.5/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked Spot
Spot offers some of the most customizable pet insurance policies due to its seven annual coverage limit options (ranging from $2,500 to unlimited), five deductible options and three reimbursement rates. This allows pet owners to find the right balance between their plan’s level of coverage and affordability. Spot Pet Insurance is also ideal for pet owners who want a low-cost accident-only plan.
Standout feature: Spot’s policies cover a few items, such as exam fees and microchipping, that aren’t offered by many other pet insurance providers.
Customer Experience
Of the 50 survey respondents who reported having pet insurance with Spot, the majority chose the provider for having coverage that fit their needs. Over half of those respondents have filed one or more claims with Spot without any major issues. On average, pet owners reported claims settlement within one to two weeks.
While some respondents reported that Spot has not denied any claims, others noted a lack of documentation as a reason for claims dismissal. However, 82% of respondents with Spot said that pet insurance is worth it for them.
ASPCA Pet Health Insurance
Our Pick for Older petsPlan options: 5/5
Custom coverage levels: 4.3/5
Covered treatments: 5.7/5
Customer experience: 4.3/5
Waiting periods: 4.5/5
Reputation: 4/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked ASPCA Pet Health Insurance
We featured the American Society for the Prevention of Cruelty to Animals (ASPCA Pet Health Insurance ) Pet Health Insurance for its impressive reputation, long-standing industry experience and comprehensive coverage. Born out of a strategic partnership between ASPCA Pet Health Insurance and Crum & Forster Pet Insurance Group in 2006, ASPCA’s pet health insurance is one of the oldest in the industry.
Standout feature: In a relatively young industry, ASPCA Pet Health Insurance stands out for partnering with Crum & Foster Pet Insurance Group, which was founded in 1997.
Customer Experience
ASPCA Pet Health Insurance was among the most popular providers in our survey — 134 out of 1,000 pet owners have a policy with the company. Nearly half of those respondents chose ASPCA Pet Health Insurance due to its coverage, but others noted positive customer reviews and low plan costs.
While 73% of respondents with ASPCA Pet Health Insurance have filed a claim, many noted issues with the process. Respondents reported long waiting periods for reimbursements, receiving less money than expected and frustrating customer service. However, 44% of those pet owners have not had a claim denied, and 40% saw reimbursement within one to two weeks.
Embrace
Our Pick for SavingsPlan options: 5/5
Custom coverage levels: 5/5
Covered treatments: 6/5
Customer experience: 5/5
Waiting periods: 5/5
Reputation: 4/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked Embrace
Embrace stands out for the additional savings it offers pet owners, including a 10% discount for each additional pet policy you purchase, a 5% military discount and an employee benefit program that offers 10% off to employees of companies that offer Embrace pet insurance.
Standout feature: Embrace offers the Healthy Pet Deductible benefit, which credits pet owners with $50 toward their deductible each consecutive year they don’t file a claim.
Customer Experience
Of the 54 respondents who selected Embrace as their pet insurance provider, most enrolled with the company due to its coverage selections and positive customer reviews. Over 40% of respondents have filed a claim with Embrace at least once with most payouts occurring within one to two weeks.
While 20% of respondents with Embrace have not experienced issues with the claims process, others noted long waiting periods for reimbursement, receiving less back than expected or having their claim denied. In most cases, the provider’s coverage age limits and exclusion of pre-existing conditions and cosmetic or routine care led to claim denials.
Fetch Pet Insurance
Our Pick for Comprehensive CoveragePlan options: 4/5
Custom coverage levels: 4.3/5
Covered treatments: 6/5
Customer experience: 4.7/5
Waiting periods: 4.5/5
Reputation: 3.5/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked Fetch
Fetch is our top choice for cat and dog owners interested in therapies and treatments that other pet insurance providers don’t always cover. It offers one comprehensive plan that includes everything from accidents to illnesses to sick exam fees and telehealth vet visits for your pet. Fetch also includes extensive coverage of therapies related to behavioral issues like separation anxiety or aggression.
Standout feature: Fetch also stands out for its coverage of holistic care and alternative treatments such as acupuncture, homeopathy and stem-cell therapy.
Customer Experience
According to our survey data, 69 of 1,000 respondents have a pet insurance policy with Fetch. The top reasons for selecting Fetch include its coverage options and positive customer reviews. Of the pet owners who have a policy with Fetch, 43% have filed a claim between one and two times, with many reporting issues of receiving a lower-than-expected reimbursement. While some respondents noted issues with reimbursement waiting times, most reported receiving a claims payout within one to two weeks.
Many pet owners selected coverage age limits, pre-existing conditions, and cosmetic or routine care exclusions as the top reasons why Fetch has denied their claims. However, 78% of respondents with Fetch think pet insurance is worth it.
Healthy Paws
Most Affordable Unlimited CoveragePlan options: 2.3/5
Custom coverage levels: 3.3/5
Covered treatments: 4.7/5
Customer experience: 4/5
Waiting periods: 3.8/5
Reputation: 4.5/5
Eligible age limit: 4.5/5
Pros and Cons
Why We Picked Healthy Paws
Healthy Paws offers unlimited annual and lifetime coverage caps. It’s our pick for unlimited coverage because its monthly rates are more affordable when compared to the monthly premiums of unlimited coverage plans from other competitors, such as Prudent Pet or Spot.
Standout feature: Healthy Paws also processes most claims in two business days, which is comparatively fast. Our analysis of consumer reviews suggests that this claim is accurate.
Customer Experience
Healthy Paws ranked among the top choices for pet owners in our pet insurance survey, with 147 out of 1,000 respondents selecting the company. Many pet owners chose Healthy Paws to insure their pets due to its coverage options and positive customer reviews. Over 50% of those pet owners have filed a claim with Healthy Paws, with most reimbursements occurring within one to two weeks.
While some respondents reported long wait times for claims reimbursements, 33% of those who have filed a claim reported no issues with the process. Additionally, 37% of pet owners have not had a claim denied with Healthy Paws, while others noted pre-existing conditions as the reason for claims rejection.
Figo
Most Flexible Reimbursement RatesPlan options: 5/5
Custom coverage levels: 5/5
Covered treatments: 4.3/5
Customer experience: 4/5
Waiting periods: 5/5
Reputation: 3/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked Figo
Our experts chose Figo as the best pet insurance company with flexible reimbursement rates, scoring 4.7 out of 5 stars according to our rating methodology. The provider also offers unlimited annual benefits and a range of useful add-ons to make your plan comprehensive, such as liability coverage for damages or injuries your pet causes.
Standout feature: While most companies limit the amount of a vet bill they reimburse to 90%, Figo has a total reimbursement option of 100%.
Customer Experience
The Pet Cloud app not only allows for easy policy and claims management but also serves as a hub for your pet parenting needs. Use it for 24/7 pet telehealth, storing your pet’s medical records, connecting with like-minded pet owners or setting reminders for important vet appointments.
Of our 1,000 survey respondents, 51 pet owners reported having an insurance policy with Figo. Half of those pet owners chose Figo because it offers coverage that fits their needs, whereas others liked the company’s high reimbursement rates. However, 45% of respondents who have filed a claim noted that reimbursement was less than expected. For survey respondents who have had a claim denied by Figo, the main reasons included lack of documentation and pre-existing condition exclusions.
Nationwide
Our Pick for Nationwide MembersPlan options: 5/5
Custom coverage levels: 3.7/5
Covered treatments: 3.3/5
Customer experience: 4.7/5
Waiting periods: 3/5
Reputation: 3/5
Eligible age limit: 4.5/5
Pros and Cons
Why We Picked Nationwide
Nationwide is a trusted name when it comes to auto, home or renters insurance, and it is no different when it comes to pet insurance. The insurance giant insures more than 1.1 million pets in the U.S. and is the only provider on this list to include unlimited wellness care and medical coverage in its standard plan.
Standout feature: Nationwide is also the only top pet insurer to cover reptiles, birds, rabbits, guinea pigs and exotic pets. If your furry friend isn’t a cat or a dog, it should be at the top of your list.
Customer Experience
A total of 105 pet owners of the 1,000 we surveyed have had a policy with Nationwide, and 91% of those respondents think pet insurance is worth it. Nearly half of those pet owners selected Nationwide for its coverage options and have filed a claim once or twice. Over 40% of respondents with Nationwide have not experienced any issues with the claims process, but other pet owners noted long waiting periods for reimbursement.
While 79% of respondents with Nationwide plan to re-enroll once their current policy ends, the most common reason selected for choosing not to continue coverage was price increases.
Trupanion
Our Pick for Unlimited Lifetime PayoutsPlan options: 5/5
Custom coverage levels: 3.3/5
Covered treatments: 5.3/5
Customer experience: 5/5
Waiting periods: 4/5
Reputation: 3/5
Eligible age limit: 4.5/5
Pros and Cons
Why We Picked Trupanion
Trupanion stands out from competitors for two main reasons. First, it offers one accident and injury plan with a 90% reimbursement rate and unlimited coverage. Although Trupanion does not allow you to customize these options, its standard plan provides substantial coverage. The company does offer highly customizable deductibles, with options ranging from no deductible to $1,000.
Secondly, Trupanion offers direct pay from partnering veterinary practices. This means you pay only the part of the bill you are responsible for at the vet’s office and Trupanion pays the remainder based on your coverage. Most other providers require you to pay the entire bill upfront and then reimburse you after you file a claim. However, vet direct pay is only available at veterinary clinics that use Trupanion’s software.
Customer Experience
Of the 36 respondents who have or had pet insurance coverage with Trupanion, most selected the company for its available coverage options. Over half of pet owners with Trupanion have filed at least one claim, and 36% of those respondents have not experienced any problems with the process. However, others noted waiting a long time for reimbursement and frustrating customer service.
Overall, 66% of pet owners with Trupanion think pet insurance is worth it, but several respondents cited price increases as the reason they chose not to re-enroll in coverage.
Pets Best
Our Pick for Vet Direct PayPlan options: 5/5
Custom coverage levels: 4/5
Covered treatments: 5.3/5
Customer experience: 5/5
Waiting periods: 5/5
Reputation: 4.5/5
Eligible age limit: 5/5
Pros and Cons
Why We Picked Pets Best
Pets Best is our top pick for senior dogs and cats because it has no age limit for coverage, whereas many other providers will not enroll pets older than 14 years of age. Pets Best has three different levels of coverage to choose from, as well as two levels of wellness add-ons. The Elite plan covers rehabilitation, acupuncture and chiropractic care, which is not covered by some other plans.
Pets Best offers a 24/7 Pet Helpline with access to veterinary experts for support if you have questions about your pet. It also has an easy-to-use app to submit claims, manage your policy, check your benefits and store your pet’s medical records.
Customer Experience
With 146 out of 1,000 respondents selecting Pets Best, the provider was one of the most popular among our survey of pet owners. Many pet owners chose Pets Best because of positive customer reviews, but others said the company fit their pet’s coverage needs.
Over 85% of pet owners with Pets Best have filed at least one claim, with many reporting issues with reimbursement times, payouts being less than expected and frustrating customer service. While some customers received reimbursement within one to two weeks, nearly half of respondents reported having to wait three to four weeks. However, 85% of respondents with Pets Best plan to re-enroll with the company once their current coverage ends.
Who We Didn’t Pick
When shopping for pet insurance, you may come across several companies that did not make our list of top providers. While we have reviewed and rated other companies like ManyPets, MetLife and Pawp Pet Insurance, we selected our list of the best providers based on the factors most important to you. Learn more about our review criteria and how we choose which companies are among the top insurers nationwide.
Our review of the best pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, manually obtaining over 2,000 quotes, speaking to representatives on the phone to assess the customer service experience, and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We scored each provider on a 100-point scale based on those elements. We then divided this final score by 20 to calculate an overall star rating out of 5.0 stars. Here are more details about each factor and how it’s weighted:
- Monthly pricing (25 points): The best pet insurance companies combine comprehensive coverage and plan options with affordable rates. To gauge the average cost for each provider, we collected quotes for 4 different pets in all 50 states for a total of 1,900 sample premiums.
- Plans (15 points): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
- Covered treatments (15 points): We scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
- Customization options (10 points): Providers with higher annual limits and more deductible and reimbursement-rate options earned the highest scores.
- Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
- Industry reputation (10 points): We reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
- Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
- Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.