Top 9 Best Pet Insurance Companies

Pet insurance is an excellent method to ensure that your pet will be treated promptly in the event of an unexpected emergency and that you will not be responsible for any out-of-pocket expenses. The top pet insurance providers provide you with the ability to personalize coverage depending on your protection needs and budget, as well as discounts, 24/7 access to licensed veterinarians for guidance, and wellness and routine care alternatives.

The This Old House Reviews team reviewed the plans, pricing, and benefits of the top 9 pet insurance companies in the business to help you select the best pet insurance provider.

We also gave them points for coverage, plan options, eligibility, customer service, price, and reputation.

Here are the top 9 pet insurance companies on the market right now:

Overall, Lemonade is the best.

Plan with the most customization options.

Accept the Best Deductibles.

Fetch: The Most Comprehensive Coverage.

Healthy Paws: Maximum Coverage

Prudent Pet’s Plan is the most comprehensive.

Pet Health Insurance from the American Society for the Prevention of Cruelty to Animals (ASPCA) is the best option for new pet owners.

Figo is the best add-on for extra coverage.

Pumpkin is the best for dental protection.

For its extensive coverage, cost, availability, and customer service, we named Lemonade ‘Best Overall’ and gave it a score of 96 out of 100.

Has a benevolent giveback program, a 48-hour accident waiting time, and no age restrictions on coverage.

Behavioral therapy and dental veterinary care are not covered. Is only available in 35 states.

Plans from Lemonade Pet InsuranceLemonade offers three add-on options to its basic accident and illness plan:

Physical Therapy Fees Preventative Care Veterinary Visit FeesPre-existing conditions, behavioral therapy, elective cosmetic operations, and dental care are among the insurer’s exclusions.

Monthly premiums for ordinary Lemonade insurance range from $15–$30 per month for dogs and $9–$15 per month for cats, according to our research.

Fill out this easy online form to receive a free quote from Lemonade.

For the most personalized pet insurance policy, look to Spot. This company received a score of 91 out of 100 for its coverage options, deductibles, and plan cost.

Spot has one of the cheapest accident-only plans on the market, with seven annual limit options ranging from $2,500 to limitless, three reimbursement levels, and five annual deductibles, making it ideal for people who simply need minimum coverage.

Pros and Cons: Microchipping is included in the base plan; consumers with numerous dogs receive a 10% discount; unlimited coverage is available.

Does not cover pets under the age of eight weeks.

✘ There is a 14-day waiting period for accidents.

Despite the fact that Spot’s policies exclude pre-existing health conditions, cosmetic operations, and breeding costs, its two plans cover either accidents or both accidents and illnesses. It covers coverage for exam and vet visit fees, as well as two flat-rate wellness plan alternatives.

Customers can personalize their plans by choosing from a variety of reimbursement choices, yearly coverage limits, and annual deductibles.

Here’s a quick rundown of each Spot plan and optional coverage:

Accident-Only Strategy

Plan for Accidents and Illnesses

Preventative Care in Gold

Preventative Care Platinum

Monthly rates for ordinary Spot coverage are roughly $15–$25 per month for dogs and $10–$15 per month for cats, according to our research.

Request a Quote: Fill out this simple online form to receive a free estimate from Spot.

Embrace 

Embrace received a 93.5 out of 100 score, with points awarded for its plan’s affordability, customisation, and extra features, but points deducted for its limited coverage limits.

This provider is recommended for anyone who wishes to prioritize affordability, since it offers five deductible options and a Healthy Pet Deductible benefit, which is a decreasing deductible benefit that reduces what you pay by $50 each year you don’t submit a claim.

Customer service is available via online chat, and exam fees are covered. Policy management is available both online and through a mobile app.

It has a maximum yearly coverage limit of $30,000 as an option. Customer service hours are limited.

Accept Pet Insurance Plans with Open Arms

Embrace has two plans: one for accidents and sickness and another for wellbeing. Pre-existing conditions, as well as aesthetic, cosmetic, or elective procedures, are all excluded.

Embrace also offers an optional Wellness Rewards program for routine treatment to aid with expenditures like as vet exams and other procedures to keep your pet healthy.

Monthly premiums for ordinary Embrace insurance range from $25–$55 per month for dogs and $20–$30 per month for cats, according to our research.

Fetch received a 91.5 out of 100 for its comprehensive accident and illness coverage. We recommend this company to pet parents who seek comprehensive care coverage, which is generally limited or unavailable with other pet insurance companies.

When a registered veterinarian recommends it, Fetch covers your entire pet with holistic care therapies including stem cell therapy, homeotherapy, hydrotherapy, acupuncture, chiropractic care, and laser therapy. Behavioral therapy are also covered up to $1,000.

Contains a useful mobile app for policy management and claims filing; provides a 15% discount on policy renewal after a year of no claims; and covers sick visit and exam fees with its standard policy.

For your pet to be eligible for coverage, he or she must get annual examinations and dental exams.

✘ For all ailments, there is a 15-day waiting time.

Obtaining PlansFetch offers a single plan that covers your pet’s unexpected injuries, broken bones, dental ailments, cancer, intestinal illness, inherited conditions, chronic conditions, behavioral disorders, and more.

Cosmetic operations or pre-existing health issues that occur before or during the 15-day waiting period are not covered. It also doesn’t include any wellness or preventative care coverage add-ons.

You can tailor your coverage and premiums by selecting from a variety of alternatives.

Fetch also covers a few extra expenses, like as boarding fees if you’re in the hospital for more than four days, advertising and reward money for lost or stolen pets, and vacation cancellation fees if the incident is covered.

Monthly premiums for standard Fetch policies are around $35–$45 per month for dogs and $15–$25 per month for cats, according to our research.

Healthy Paws receives a 93.5 out of 100 rating because it provides limitless coverage with no per-incident, annual, or lifetime payout limits. Because Healthy Paws’ mission is to provide you with the greatest coverage at the best price, their quotation tool includes a comparison option that suggests other pet insurance carriers if your quoted premium is greater than the national average.

With every pet insurance quote, the company donates to homeless pets and offers a 30-day money-back satisfaction guarantee.

Some breeds have higher premiums, and its policies are less customizable than those offered by other carriers.

Pet Insurance Plans from Healthy Paws

There is only one accident and illness plan offered by Healthy Paws, and there are no add-on options. Cancer treatments, diagnostics, surgery, hospitalization, ultrasounds, blood tests, X-rays, emergency care, specialist care, alternative treatments, and prescription medications are all covered under this pet insurance policy.

It also covers hereditary, chronic, and congenital diseases as long as your pet’s symptoms appear after the policy’s effective date and 15-day waiting period has passed.

Pre-existing conditions, spaying or neutering, dental care, preventative care, elective surgeries, or hip dysplasia treatments within the first 12 months of the coverage are not covered by this pet insurance policy.

Monthly premiums for typical Healthy Paws coverage are roughly $30–$65 per month for dog insurance and $20–$30 per month for cat insurance, according to our research.

The Prudent Pet Ultimate Plan, which covers lost pet advertising, boarding kennel fees, death expenditures, and vacation cancellation fees linked to your pet’s emergency, received a 95 out of 100 in our assessment. The supplier, on the other hand, was penalized for the higher charges on the Ultimate Plan.

Prudent Pet is a good choice for consumers who desire unrestricted annual limits on both accident and illness coverage, as well as a comprehensive plan.

All plans include live vet chat 24 hours a day, seven days a week; three plan options and two add-ons; 30-day money-back guarantee

Has more expensive accident and illness insurance.

Customers do not have access to a mobile app.

Prudent Pet offers a variety of plan alternatives to assist you narrow down your coverage requirements. The reimbursement choices and annual deductibles are both changeable in each plan, but the coverage limits are not.Here’s a glance at what they’re wearing:

Accident-Only Strategy

The Most Important Plan

The Ultimate Strategy

Insurance for Health and Wellness Veterinary Exam Fee Coverage as an Add-On

Note that as part of cat or dog insurance, none of these plans or add-ons cover pre-existing conditions, breeding, or aesthetic operations.

Monthly rates for ordinary Prudent Pet insurance range from $12–$25 per month for dogs and $10–$15 per month for cats, according to our research.

Because of its affiliation with the American Society for the Prevention of Cruelty to Animals, ASPCA Pet Health Insurance is one of the most well-known pet insurance providers (ASPCA). In our review, it received an 89 out of 100 and stood out for its online resources.

For example, you can use the vet finder tool on its website or mobile app to locate local veterinarians, and you can access dozens of resources on its website for information on different pet breeds and their typical health concerns.​​

Advantages and disadvantages

Behavioral disorders and conditions are covered, and an accident-only plan is available for low-cost coverage for accidents and injuries.

Exam fees are included in all of the company’s regular plans.

Doesn’t have a live chat option for customer service on their website.

✘ According to third-party customer reports, has longer-than-usual customer assistance wait times.

Plans from the American Society for the Prevention of Cruelty to Animals (ASPCA)The American Society for the Prevention of Cruelty to Animals (ASPCA) offers two pet health insurance plans: one that covers only accidents and the other that covers both accidents and illnesses. It, like most other corporations, excludes pre-existing diseases, breeding or pregnancy concerns, cosmetic operations, and elective surgery.

When getting a quote, you can tailor the premium by choosing reimbursement rates, annual deductibles, and annual coverage limitations.

Here’s a rundown of both pet insurance plan options, as well as the two wellness add-on options offered by the provider:

Accident-Only InsurancePlan with Complete CoverageTMBasic Preventive StrategyPrice of the Prime Preventative Plan

Monthly rates for typical ASPCA Pet Health plans are roughly $15–$25 per month for dogs and $10–$20 per month for cats, according to our research.

Figo receives a 93 out of 100 for its supplementary coverage add-ons, which include up to $10,000 in liability coverage for property damage caused by your pet. Figo also offers vacation cancellation refunds due to your pet’s injury or illness, as well as advertising and reward money for lost pets.

Has a cloud-based app with live vets, area pet attractions, and more available 24 hours a day, 7 days a week.

Three accident and illness plans are available, each with a variety of customizable possibilities.

Provides complete claim reimbursement, whilst other providers cap coverage at 90%.

Depending on the state you live in, there are different waiting times. In some states, there are transaction fees.

Figo offers three accident and illness policies, each with a different level of annual coverage. The Essential plan gives $5,000 in yearly benefits, while the Preferred plan provides coverage up to $10,000. The Unlimited plan from Figo offers unlimited coverage with no annual restrictions.

Hip dysplasia, chronic diseases, and general illness are all covered by these policies. Injuries such as shattered bones and bite wounds are also covered. In select areas, Figo also offers routine care coverage, which allows you to add vet exam bills as well as preventative care charges like immunizations and dental care.

During our study, we discovered that a Figo pet plan costs on average $15–$74 for a dog and $10–$46 for a cat.

Pumpkin scored an 86 out of 100 grade for comprehensive coverage and customer support, but lost points for low customizability and high pricing. We discovered it to be a top source of dental pet insurance, including coverage for tooth extractions, periodontal infections, and cleanings if they’re required to treat your pet’s illness or accident.

Additionally, we recommend this supplier to individuals with tiny dogs or cats, as its rates are far lower for small breeds than those offered by other providers.

Provides coverage for end-of-life expenses and includes a low-cost preventative care add-on that includes prescription diet foods.

Has low annual limit options and doesn’t offer customizable reimbursement rates. Prices are higher than average when compared to competitors.

Plans for Pumpkin Pet InsurancePumpkin has a single accident and illness plan for cats and dogs that covers 90% of covered vet expenditures as well as additional wellness care. Pumpkin’s plan and optional coverage do not cover pre-existing conditions, elective treatments, boarding, breeding, or grooming.

Monthly rates for regular Pumpkin coverage are roughly $50–$80 each month for dogs and $30–$40 per month for cats, according to our research.