The Best Pet Insurance Companies (April 2024)

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.

Lemonade offers a base pet insurance plan for accidents and illnesses, preventative care packages and a variety of optional add-ons. Its accident and illness plan allows pet owners to choose an annual coverage limit between $5,000 and $100,000, with deductible options ranging from $100 to $500 and reimbursement rates from 70% to 90%.

After gathering quotes from Lemonade and other top providers in the industry, we found that Lemonade was one of the cheapest pet insurance providers overall — notably for dogs. The average Lemonade plan cost for dogs is $30 per month, while the overall average is $66. The average cost of a Lemonade policy for cats is $16 per month, with the nationwide average being $32.

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.

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.

We named ASPCA Pet Health Insurance our pick for older pets, as the company has no age-related coverage reductions or enrollment restrictions for senior pets. Available in all 50 U.S. states, ASPCA Pet Health Insurance offers both an accident and illness and accident-only plan, with a preventative care add-on available to cover wellness care services.

According to quotes we’ve gathered, ASPCA Pet Health Insurance is affordable compared to average premium costs nationwide. It ranked in our top five cheapest pet insurance companies, with an average cost of $44 per month for dogs and $18 for cats. The national averages calculated by our team are $66 and $32 for dogs and cats, respectively.

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.

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.

Pets Best offers an accident-only and accident and illness plan, with the latter providing a choice of three coverage tiers. It also offers two wellness add-ons covering preventative care services such as microchipping, vaccinations, heartworm preventatives and more. There are six deductible options and three reimbursement rates to choose from, with your choice of a $5,000 or unlimited annual coverage limit.

According to our research, the average cost of a Pets Best policy is $59 per month for dogs and $28 for cats, which is less than the national averages we calculated of $66 and $32, respectively. Note that this provider’s accident-only plan may suit pet owners looking for cheap coverage, as it costs $6 per month for cats and $9 for dogs.

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.

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.

Embrace offers an accident and illness policy covering accidents, injuries, diseases and illnesses. It also provides a wellness rewards program similar to a flexible spending account (FSA) found through many human health insurance plans. You’ll pay a fixed amount monthly and can access a total coverage stipend for your pet, which covers approved preventative care services.

We found the average cost of an Embrace pet insurance plan is $73 per month for dogs and $39 for cats. This is 11% more than the national average for dogs and 22% more for cats. While Embrace didn’t make our list of the cheapest pet insurance providers, it does offer stackable discounts that can bring down your overall insurance premium by up to 25%.

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.

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%.

Figo provides three set accident and illness plans for pet owners to choose from. In addition, it offers a custom plan option that allows you to tailor the reimbursement rate, annual coverage limit and deductible to meet your pet’s needs and your budget. You’ll also find optional add-ons for wellness coverage and vet exam fees. Note that available deductible options depend on your pet’s age.

Figo made our list of the best cheap pet insurance companies, with the average policy costing $54 per month for dogs and $25 for cats. This is 22% less than the national average for dogs and 28% less for cats. With no upper age limit restrictions, Figo may offer a cost-effective policy for those with senior pets.

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.

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.

Spot offers customers a choice of either an accident and illness or an accident-only plan. You can also choose between two wellness plans that provide coverage for vaccines, annual exams and more. Our team named Spot the provider with the most customizable plan options thanks to its five deductible options, three reimbursement rates, and seven annual limits.

While Spot is the most customizable option in our review, it’s not the cheapest, according to our research and quotes gathered. The average Spot plan for dogs costs $75 per month, with the national average in our review being $66. The average plan for cats through Spot costs $34, with the national average sitting at $32.

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.

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.

Fetch is our pick for comprehensive coverage thanks to its extensive list of covered treatments and therapies — many of which other pet insurance companies we reviewed don’t offer. While you’ll only find one accident and illness plan with Fetch, it provides three wellness coverage tiers. Some unique coverages Fetch offers include lost pet advertising and reward reimbursement, virtual veterinary visits, and pet loss coverage due to theft or straying.

Fetch didn’t make our list of the cheapest pet insurance companies, with an average cost of $90 per month for dogs and $45 for cats. This is a 36% increase in the average cost for dogs and a 40% increase for cats. Fetch may be ideal for pet parents seeking more comprehensive coverage for their dog or cat versus a budget-friendly plan.

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.

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.

Trupanion only offers one plan type with a standard 90% reimbursement rate and an unlimited coverage model. This plan covers accidents and illnesses, with optional recovery, complementary care and pet owner assistance add-ons available. These add-ons can cover acupuncture, rehabilitative services such as hydrotherapy, behavioral treatments, cremation or burial, third-party property damage liability and more.

The average cost of a Trupanion pet insurance policy is $123 per month for dogs and $53 for cats. Our research shows that Trupanion is one of the most expensive providers we’ve reviewed, likely due to the high standard reimbursement rate and unlimited coverage it offers. If you’re looking for a plan on a budget, you may want to look elsewhere for pet insurance.

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.

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.

Nationwide has three plans for dogs and cats, all providing accident, illness and wellness coverage with various reimbursement rates. It also offers plans for birds and other exotic animals such as reptiles, rabbits or guinea pigs. Nationwide extends wellness coverage as an add-on with its Modular Pet and Major Medical plans but excludes this coverage from its Whole Pet plan.

Nationwide policy costs for dogs and cats range from $7 to $46, depending on your plan choice. It’s worth noting that the My Pet Protection plan offers per-paycheck pricing versus monthly rates, as it’s only available through your employer. This is based on a 26-pay period per year cycle, but your employer’s payment schedule may affect your total costs.

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.

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.

As mentioned, Healthy Paws has one accident and illness policy with no maximum limits on claim payouts and no per-incident, annual or lifetime coverage caps. While this plan is customizable by the deductible and reimbursement rate, Healthy Paws offers pets 6 years and older higher deductibles and lower reimbursement rates than younger pets.

Coming in fifth place on our recommended list of the cheapest pet insurance companies, the average pet insurance policy with Healthy Paws is $54 per month for dogs and $24 for cats. If you’re looking for unlimited annual coverage caps and affordable rates, you might consider a plan from this provider.

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.