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What to Know When Choosing a Pet Insurance Company 

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

Pets Best Pets Best Visit Site


  • 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. 

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  • 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. 

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What is Pet Insurance and How Does it Work? 

Pet insurance is a service for pet owners seeking a financial safety net in case their animal gets sick or injured and requires expensive veterinary treatment. Owners of dogs, cats, and, in some cases, exotic pets, pay a monthly premium for this service, with costs varying based on the age and breed of the animal, what medical costs are covered under the policy, what annual or per-procedure deductible the policy includes, and what percentage of treatment the customer will be reimbursed for by the company.

Pet insurance prices are specific to the animal in question and the type of coverage you want, so the sign up process begins with you providing information on the provider’s website about the species, breed, age and basic medical history of your pet. You will then get a quote which you can adjust by changing your deductible, reimbursement percentage, annual limit, and coverage plan if the provider has a tiered pricing system.

What Does Pet Insurance Cover?

The extent of your pet insurance policy’s coverage will depend on the provider and plan that you choose. When choosing a plan, coverage you may look for for includes:

  • Preventative/wellness care
  • Hereditary conditions
  • Unexpected illnesses and injuries
  • Dental care
  • Diagnostic tests
  • Surgeries
  • Hospitalization
  • Medication
  • Supplements or prescription food
  • Behavioral therapy

As a pet owner you’ve likely found that the most common costs you have for your animals, particularly young pets, is their routine exams. While some insurers, such as Pets Best, cover exam costs, others do not. With some insurers, you may have to opt for a more expensive monthly premium to get them included. While such preventative treatment is a common expense, it’s worthwhile to do the math and see if it actually saves you any money. The money you have to add to your monthly premium may be more than your out-of-pocket cost for 1 or 2 annual checkups, depending on the insurance provider and it’s fees.

It is very rare for any pet insurance provider to cover pre-existing conditions. However, some providers, such as ASPCA, will cover conditions that have been cured and have shown no symptoms for at least 180 days.

While these are things that you should insist that your plan cover, there are some other things that you’ll likely have to live without. In addition to not covering pre-existing conditions, it is common practice for insurers to exclude cosmetic procedures, like ear cropping or claw removal, as well as breeding costs.

What are the Costs of Pet Insurance?

Pet insurance costs vary widely, and depend on many factors, including:

  • Breed
  • Age
  • Health
  • Deductible
  • Annual limit
  • Reimbursement level
  • Coverage level

To put it simply, the younger and healthier your pet is, the cheaper a premium you’ll pay. The more you pay, the higher your annual limit and range of coverage will be.

In addition, the amount of deductible you’re willing to pay, your reimbursement level and the amount of your annual limit will also affect your monthly payment. So it is important to understand what these terms mean:


This is the amount you pay out-of-pocket before the insurance kicks in. 


The insurer does not pay you back 100% of the cost of a covered procedure. It will generally pay you back somewhere between 70%-90% of the cost. 

Annual Limit

This is the maximum amount that the insurer will pay for treatment in a given year. 

How to Choose Pet Insurance

Here are some things to consider as you choose pet insurance plans and consider quotes:

  • Compare providers to find the one with plans that suit your pet's personality and your wallet
  • Research coverage options so you'll understand exactly what you're paying for
  • Consider what reimbursement speed and level of customer service you'd prefer
  • Consider your pets unique medical needs and expenses

If your pet is part of a breed that has a greater risk for a particular medical issue, you’ll want to make sure that you choose a provider, such as Embrace, that covers breed-specific and genetic conditions. If you have a purebred pet, research the breed to see if there are any conditions you should know about.

An unexpected illness or injury that requires diagnostic tests, surgeries, overnight hospitalization and medication can cost more than many pet owners can afford. It’s worthwhile to invest in a plan that covers these costs and prevents a situation in which you are forced to euthanize your pet because you can’t afford treatment. As unpleasant as it is to think about, this should be your number one concern when choosing a pet insurance provider. Emergency care gets costly, quickly, and pet insurance should cover most of the bill.

What Are the Benefits of Pet Insurance?

Taking out a pet insurance plan for your favorite fluffball will keep your spare cash where it belongs. In your wallet. Pet healthcare is getting more expensive every year and knowing that you'll get reimbursed if your pup gets into trouble is the biggest benefit of all. It means that you won't have to choose whether to treat expensive surgeries and unexpected vet bills will be a fraction of what they could have cost. 

When Should You Buy Pet Insurance?

You will get the most value out of your policy if you buy insurance when your pet is young. Providers may have a minimum age requirement, but it is advisable to insure your pet as soon as they pass this threshold, which is no more than a couple months old. Insuring older animals, who are often at greater risk for costly ailments, can still save you a lot of money in the long run, but monthly premiums will be higher. Treatment for serious diseases, such as cancer, can cost in the tens of thousands of dollars. Getting your pet put down is unfortunate no matter the circumstance—but it’s preferable that it be for the sake of humane treatment, rather than because the medical costs are too high. It is important to insure your pet before they get sick, because it is unlikely that a policy will cover a pre-existing condition.

So, Which Pet Insurance is Best for You?

Insuring your pet is a smart move that can potentially save you tens of thousands of dollars. It is essential to choose a reliable insurer that you know will pay your claim when the time comes. While it’s best to insure your pets while they’re young, it’s never too late to sign your furry friends up for a policy that will make sure they are cared for in the event of an unexpected accident or illness.

Your pets deserve pet insurance that will cover all their medical needs as they age, and you deserve the peace of mind of knowing you can afford any procedure they may require. See our in-depth reviews of the leading pet insurance providers to learn more about policies, plans, deductibles, and more.