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1
Popular choice
Pets Best
Pets Best
Popular choice
Accident and illness coverage for your cat or dog within 5 days
  • 24/7 helpline and mobile app
  • Plans from $1 per day
  • Donates to rescue charities
  • 24/7 helpline and mobile app
  • Plans from $1 per day
  • Donates to rescue charities
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2
ASPCA
ASPCA
Complete coverage or accident-only options for your cat or dog
  • Online member center
  • Discount for multiple pets
  • Features a Pet Care Center
  • Online member center
  • Discount for multiple pets
  • Features a Pet Care Center
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3
EMBRACE
EMBRACE
Exam and wellness fees coverage, plus alternative therapies
  • 24/7 MyEmbrace portal
  • Free quote
  • Donates to animal charities
  • 24/7 MyEmbrace portal
  • Free quote
  • Donates to animal charities
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4
Hartville
Hartville
Complete coverage and preventative care for your cat or dog
  • Online member center
  • Free quote
  • First industry ASPCA member
  • Online member center
  • Free quote
  • First industry ASPCA member
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5
Trupanion
Trupanion
Covers illness, surgery, hereditary conditions and herbal therapy
  • 24/7 customer care
  • Free quote
  • Featured in the NY Times
  • 24/7 customer care
  • Free quote
  • Featured in the NY Times
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6
PetAssure
PetAssure
In-house vet care for any pet in the animal kingdom
  • Call center open 12 hours/day
  • Free quote
  • Accepts any animal
  • Call center open 12 hours/day
  • Free quote
  • Accepts any animal
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7
PetPlan
PetPlan
Covers congenital, hereditary, and chronic conditions for your cat or dog
  • 24/7 customer care
  • No enrollment fee
  • Fetch! magazine and blog
  • 24/7 customer care
  • No enrollment fee
  • Fetch! magazine and blog
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8
HealthyPaws
HealthyPaws
Covers injury, illness, and emergency care for your cat or dog
  • Mobile app
  • Free quote
  • Funds a foundation for homeless pets
  • Mobile app
  • Free quote
  • Funds a foundation for homeless pets
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9
PetFirst
PetFirst
Hospital stays and wellness insurance for your cat or dog
  • Call center open 13 hours/day
  • No enrollment fee
  • Runs the Scoop! blog
  • Call center open 13 hours/day
  • No enrollment fee
  • Runs the Scoop! blog
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10
PetPartners
PetPartners
Wellness, accident and illness coverage
  • Policyholder resource center
  • Complimentary 30-day certificate
  • 30 days free for newly adopted pets
  • Policyholder resource center
  • Complimentary 30-day certificate
  • 30 days free for newly adopted pets
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Pet Insurance
We find the 10 best options, so you can make informed decisions on tons of products and services.

Finding the Right Insurance For Your Pets 

These are the top pet insurance providers on the market today. Read on for in-depth details on features, plans, and pricing.  

Pets Best

  • Worldwide coverage

  • 24/7 claim pre-approval hotline

  • Special “unlimited” plan available

  • Insures any pet over 7 weeks old

Pets Best was founded in 2005 in order to help pet owners prepare for the unexpected expenses of veterinary care. The company uses all online claim filing, so you don’t need to send medical records unless requested, and most claims are processed within 5 days, with the funds deposited directly into your bank account.

The company’s services are very flexible and are designed so that any pet owner should be able to find one that works for them. You can sign up for unlimited annual plans, as well as routine care and exam fee coverage. Customers can also access phone, text, and chat support, as well a a 24/7 pet helpline. 

Costing is based on the pet’s breed and age, as well as the customer’s location and coverage plan. Coverage for dogs at as little as $9/month and for cats only $6/month. Plans cover hereditary and congenital conditions, as well as visits to any licensed veterinarian, emergency clinics, and specialists.

With over 100,000 pets insured across the United States, Pets Best is the biggest name in the pet insurance industry. The company has an outstanding reputation with a 9.6 out of 10 on TrustPilot and an A+ from the BBB. 

Read the full review

ASPCA

  • Up to 90% reimbursement on veterinarian bills 

  • Annual deductible, not per incident 

  • Freedom to visit any vet or specialist 

  • Alternative therapies included in coverage     

The American Society for the Prevention of Cruelty to Animals (ASPCA) offers a comprehensive health care package that allows customers to receive a refund of up to 90% of their medical expenses. This includes for a wide range of health care needs, ranging from cancer, dental disease, behavioral issues, hereditary conditions, and more. 

ASPCA pet insurance can also cover alternative therapies and more advanced therapies that many people may not know are available for pets, such as stem cell therapy and acupuncture. 

Users can customize their coverage, and can opt for an accident-only plan that only covers injuries. You can also opt for preventative care coverage for an additional cost. 

Whichever plan you select, you will not be subject to lifetime or per incident limit, though there is an annual limit to coverage and you can pick whichever veterinarian you prefer, so you aren’t limited to only professionals chosen. If your annual limit is set at $5,000 for instance, once you reach that amount during the year you won’t be able to receive any further reimbursements until the end of the year. 

In addition, the service will cover any cat or dog from 8 weeks age and up. There is no maximum pet age. 

Read the full review

Embrace

  • Up to 90% reimbursement from any pet visit 

  • Use any veterinarian you want 

  • Upgrade or downgrade your plan at any time 

  • Coverage for behavioral therapy and training

Embrace is a top-rated pet insurance company that offers accident and illness coverage and is committed to a core value to “service both the pet community at large and our own communities at home.” 

The company also gives customers a fair amount of flexibility when it comes to building a plan’s reimbursement percentage, annual maximum payment, deductible, and more. 

In addition to insurance coverage, you can also purchase wellness rewards to cover routine care in addition to the accident and illness coverage provided by the overall plan. The plan also facilitates the adoption of rescue or shelter dogs, which often have unknown health histories.

The company also covers behavioral therapy that is for specific injuries or illnesses. 

Embrace will never drop a pet based on age or health status though after 14 years you will be limited to an accident-only policy. 

The company has an annual deductible ranging from $100-1000. The higher the deductible the lower the monthly cost, down to as low as $13. The company can also give you a discount if your pet is spayed or neutered or if you’re a veteran, and you get $50 off your deductible for each year that you don’t file any claims. 

One of the most attractive features of the company is that it can cover congenital conditions, which can really help if you have a pet that suffers from breed specific problems. 

Read the full review

What is Pet Insurance?

Your pets, just like the rest of your family, will need medical treatment at some time during their lives. When your pet falls ill or encounters an emergency situation, the last thing you want to worry about is the large expense that will come with the visit to the vet or the overnight stay at the animal hospital.

Like health insurance for people, this insurance is in place to cover the expenses of wellness treatments, illness and unexpected emergencies. In most cases you can choose the vet you would like, and the insurance can be structured to fit your needs and budget, reimbursing you for a portion of your bills. Insurance providers cover different types of pets and conditions; some only provide cat and dog insurance, while others cover all types of exotic pets.

What Are the Benefits of Pet Insurance?

Insurance benefits may include:

  • Wellness expense Just like a newborn baby, puppies require regular check ups and vaccinations. As your puppy grows into adulthood, you will need to stay up to date on routine shots. Wellness plans include these routine treatments.
  • Emergency operations If your pet should accidentally ingest something dangerous or get hurt while playing, an emergency surgery may be needed. Having insurance will help ease your mind of the unexpected expenses and you will be able to offer your pet the care they need.
  • Ongoing treatments This can include chronic or congenital diseases or recurring treatments your pet may need. 
  • Medications Many pets requires medications from time to time, or on an ongoing basis, which can be expensive. Some pet insurance plans will cover them and relieve you of that burden. 

What Is the Best Pet Insurance To Choose?

Compare pet insurance providers and plans; whether you are trying to find the best pet insurance for dogs, cats, birds or monkeys, or simply looking to compare pet insurance companies head-to-head, the right company is available for you.

In order to compare, speak with pet insurance providers and read reviews to understand what they offer. Make a list of your pets needs and your budget. Keep in mind that many pre-existing conditions may not be covered under newly acquired plans.

With the proper plan, your pets can be insured for a lifetime and you can protect and keep them safe. Your pet is relying on you. 

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