Best Pet Insurance Providers 2020

Your pet is a precious member of the family and deserves the best medical care. You also deserve peace of mind when your pet inevitably gets sick or injured. Knowing your dog or cat is covered during these unfortunate events can immediately take a load off your shoulders.

Using Pet Insurance Reviews analysis of the best pet insurance in 2020, it is our hope that you begin to understand the ins and outs of pet insurance policies, things to consider when choosing a provider, as well as things to consider when choosing a policy.

Four things to know before shopping for a pet insurance policy.

1. First, understand that dog insurance offer varying degrees of coverage. From basic coverage for illness and accidental injury, to wellness plans that include routine immunizations, preventative care, regular veterinary check-ups, discounts on expensive surgeries, and even liability plans in case your pet bites or harms a person.
2. Prices and coverage ranges depending on where you live, type of pet, breed, age, and of course the preexisting conditions your pet may already have. When you communicate with the pet insurance provider, they will guide you through these aspects of your future insurance policy.
3. Take a moment to assess your personal financial needs. As stated above, pet insurance prices can range. But it is our opinion that at the very least, a basic coverage option is worth the investment to ensure an accident or illness does not become a financial burden. Out of pocket expenses, surgeries, extensive treatments and more, can place stress on you, your family, and of course your pet.
4. Finally, take time to learn whether your veterinarian is in the insurance providers network, how your insurance provider pays the veterinarian, how much they cover, the claims process and of course the timeline of reimbursement. In other words, read the fine print of the policies to ensure these small details don’t create problems when trying to make a claim.

10 Best Pet Insurance Providers of 2020

The following list represents the best pet insurance providers of 2020 and is based on the thousands of individual policy owner reviews placed on our site. We take extensive efforts to ensure each review is verified and continue to strive to provide the most comprehensive and up to date pet insurance provider information as possible.

 

Pet Insurance Provider Overview

Average Review Rating 9.8

Number of Reviews 5,322

 

Healthy Paws Pet Insurance offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program.

Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Healthy Paws Pet Insurance Reviews

 

Average Review Rating 9.7

Number of Reviews 72

 

It’s never fun to think about your pet facing a health scare, but Prudent Pet is here to give you peace of mind so you’ll be ready when something happens. They want you to be able to focus on the cuddles and snuggles, the tricks and treats, and the walks in the park. They’ll take care of the rest!

They offer a choice between an Accident only plan and a full coverage plan covering Accidents and Illness. All of the policy details below are applicable to both types of plan, unless stated otherwise.

Learn more about Prudent Pet’s plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Prudent Pet Insurance Reviews

 

Average Review Rating 9.6

Number of Reviews 125

 

Hartville Pet Health Insurance is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice.

Learn more about Hartville’s plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Hartville Pet Insurance Reviews

 

Average Review Rating 9.5

Number of Reviews 20,480

 

A Trupanion Pet Insurance policy makes things simple by offering one plan that pays 90% of actual veterinary costs for eligible claims once the deductible for that condition is met. Trupanion is the only provider that can pay their portion of your bills directly to your veterinarian electronically, so you don’t have to wait for reimbursement. With the most flexible pricing options and unlimited payouts on all eligible injuries and illnesses, Trupanion is there to help you give your pet the best.

Trupanion has a wide range of deductibles to choose from, including the option not to have a deductible at all. This means a pet owner can choose from hundreds of price options to pick what works best for their budget.

The Trupanion pet insurance policy allows you to enroll your pet from birth for true lifelong coverage.

Most Recent Trupanion Pet Insurance Reviews

Average Review Rating 9.5

Number of Reviews 16,493

 

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care.

Learn more about Nationwide’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Nationwide Pet Insurance Reviews

 

Average Review Rating 9.3

Number of Reviews 9,799

 

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. It’s diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard.

Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Embrace Pet Insurance Reviews

 

Average Review Rating 9.2

Number of Reviews 6,491

 

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S.

Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Pets Best Pet Insurance Reviews

 

Average Review Rating 9.2

Number of Reviews 4,894

 

Petplan is a leading pet health insurance provider in the United States and Canada the preferred provider of pet insurance for the American Animal Hospital Association and AARP members. For nearly 15 years, Petplan has set the gold standard for pet health insurance coverage as the first pet health insurance provider to offer a “Covered for Life” option and cover pets of any age without broad exclusions for hereditary and chronic conditions.

Learn more about Petplan’s policy options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent Petplan Pet Insurance Reviews

 

Average Review Rating 9.2

Number of Reviews 92

 

As one of the first pet insurance providers in the U.S., PetPartners has offered affordable, comprehensive coverage across all 50 states since 2002. Its customizable plans allow owners to choose coverage that meets their individual needs and budget.

Learn more about PetPartners’s plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent PetPartners Pet Insurance Reviews

 

Average Review Rating 9.1

Number of Reviews 5,350

 

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice.

Learn more about ASPCA’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

Most Recent ASPCA Pet Insurance Reviews