Dog Insurance: Compare Quotes & Reviews
Comparing dog insurance plans means weighing monthly premiums against what's actually covered, and both vary a lot by breed, age, state, and provider. Start with a free estimate for your dog below, or scroll down for typical pricing by breed and a personalized quote.
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- 18 top providers
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Quick Answer
What is dog insurance?
Dog insurance reimburses a percentage of your vet bills for covered accidents and illnesses in exchange for a monthly premium. You pay the vet upfront, then file a claim and get reimbursed based on your plan's deductible and reimbursement rate.
How much does dog insurance cost?
Most plans run $25–$70/month, but the exact price depends on your dog's breed, age, and location, plus the deductible and reimbursement rate you pick. Larger, older, and breed-prone-to-illness dogs cost more to insure.
Is dog insurance worth it?
It's generally worth it if a $3,000–$10,000+ emergency vet bill would be hard to pay out of pocket. It won't save money on routine costs, but it protects against the unpredictable accidents and illnesses that are hardest to budget for.
What does dog insurance cover?
Standard plans cover accidents and illnesses, like broken bones, allergies, cancer, and infections. Routine care such as vaccines, dental cleanings, and check-ups is only covered if you add a separate wellness plan.
How long is the waiting period?
Most providers require 1–5 days for accidents and 14–30 days for illness before coverage starts. Some conditions, like cruciate ligament injuries, can carry waiting periods of 6 months or longer.
Can I use any vet?
Yes. Because you're reimbursed rather than billed through a network, most providers let you visit any licensed vet, specialist, or emergency clinic with no restrictions.
Are pre-existing conditions covered?
No, every provider excludes pre-existing conditions. That's why enrolling while your dog is young and healthy locks in the most coverage before anything can become pre-existing.
Get Your Estimate
Select your dog's breed and age to see a more specific typical price.
Estimate is based on real quotes, assuming a $500 deductible, 80% reimbursement, $5,000 annual limit policy. Actual price depends on the plan and provider you choose.
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Compare top pet insurance providers plans.
Top Dog Insurance Providers
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Embrace
4.9 out of 5total reviews
20,009
$100 – $1,000 annuallyAt least 6 weeks old to enrollPlan Details...Cost per month
$13 – $100, depending on your chosen plan.
Coverage
You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.
Deductible
Annual deductible options from $100 – $1,000.
Age Limit
Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.
More: Embrace Pet Insurance Reviews
Why Our Users Picked It:
Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.
Pros & Cons:
✓ Easy to submit claims✓ Fast payments✓ Great customer service✓ Diminishing deductible of $50 for every year a claim is not filed✕ Limited range of options for annual coverage and deductibles✕ Limited coverage for alternative treatmentsPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury$10,000 limit
✓ Hospitalization$10,000 limit
✓ Rehabilitation$10,000 limit
✓ Continual Care$10,000 limit
✓ Emergency Visits$10,000 limit
✓ Surgery$10,000 limit
✓ Dental Trauma$10,000 limit
✓ Foreign Object Ingestion$10,000 limit
✓ Congenital or Hereditary Conditions$10,000 limit
✓ Cancer Treatments$10,000 limit
✓ Dietary SupplementsAs part of our wellness plan - $250 limit
✓ End of Life: Burial and Cremation$250 limit
✓ Illness$10,000 limit
✓ Specialists$10,000 limit
✓ Prosthetics$10,000 limit
✓ End of Life: Euthanasia$10,000 limit
✓ Prescription Drugs$10,000 limit
✓ Outpatient Care$10,000 limit
✓ Bilateral Conditions$10,000 limit - There is a bilateral exclusion on pre-existings. If one side is pre-existing, then so is the other side.
✓ Travel Coverage$10,000 limit - Accidents and Illnesses while travelling abroad would be covered. Travel related expenses and travel interruption are not.
✓ Vet Exam Fees$10,000 limit
✓ Medical Imaging$10,000 limit
✓ Organ Transplants$10,000 limit
✓ Wellness Cover$250, $450, and $650
✓ Lab Tests$10,000 limit
✓ Behavioral Treatments$10,000 limit - Must be performed by a licensed vet
Plan Summary
Embrace Pet Insurance is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan and every policy comes standard with the industry’s only diminishing deductible feature, the Healthy Pet Deductible. Embrace also offers Wellness Rewards, an optional preventative care product that is unique to the market. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace continues to innovate and improve the pet insurance experience for pet parents across the country with personalized plans, dependable claims payments, and the MyEmbrace online customer portal.
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Healthy Paws
4.9 out of 5total reviews
11,407
$250, $500 or $750 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
$15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.
Coverage
One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.
Deductible
You can choose an annual deductible of $250, $500 or $750* *Choice depends on age of the pet
Age Limit
Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.
More: Healthy Paws Pet Insurance Reviews
Why Our Users Picked It:
Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
Pros & Cons:
✓ Easy claim submission process✓ Quick reimbursement times (in as less as 48 hours in some instances)✓ Great communication✓ No annual converge limit on claim payouts✓ Compassionate customer service reps✕ No wellness or routine care coverage✕ No enrollment allowed for pets over the age of 6✕ No coverage for vet exam fees for accidents or illnessesPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✓ Direct PayWhat is Covered?
✓ Accident and InjuryUnlimited
✓ HospitalizationUnlimited
✓ RehabilitationUnlimited
✓ Continual CareUnlimited
✓ Emergency VisitsUnlimited
✓ SurgeryUnlimited
✓ Dental TraumaUnlimited
✓ Foreign Object IngestionUnlimited
✓ Congenital or Hereditary ConditionsUnlimited
✓ Cancer TreatmentsUnlimited
✓ Dietary SupplementsUnlimited
✕ End of Life: Burial and Cremation✓ IllnessUnlimited
✓ SpecialistsUnlimited
✓ ProstheticsUnlimited
✓ End of Life: EuthanasiaUnlimited
✓ Prescription DrugsUnlimited
✓ Outpatient CareUnlimited
✓ Bilateral ConditionsUnlimited
✓ Travel CoverageUnlimited - Travel is included while traveling in the US or Canada
✕ Vet Exam Fees✓ Medical ImagingUnlimited
✕ Organ Transplants✕ Wellness Cover✓ Lab TestsUnlimited
✕ Behavioral TreatmentsPlan Summary
Healthy Paws has one simple plan that covers accidents and illnesses with no maximum limits on payouts; no per incident payout caps, no annual payout caps and no lifetime payout caps. Their goal is to offer the best coverage possible while still keeping plans affordable. Healthy paws was rated the best pet insurance company by customers in 2015, 2016, 2017 and 2018 at Petinsurancereview.com, Consumersadvocate.org, Petinsurancequotes.com and other leading review sites. The simple act of getting a free pet insurance quote from Healthy Paws results in a cash donation towards a homeless pet’s medical care. They deliver that care by making cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments. If you are unable to pay your vet at the time of treatment you can contact Healthy Paws and ask them to pay your vet directly. If your vet or vet hospital is willing to accept payment from Healthy Paws they will work with your vet to speed up Healthy Paws getting access to your pet’s medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any particular network of vets.
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Fetch
4.9 out of 5total reviews
5,987
$250, $300 or $500 annuallyAt least 6 weeks old to enrollPlan Details...Cost per month
Plans average $35/month for dogs and $25 /month for cats
Coverage
You choose a reimbursement level of 70%, 80% or 90% after your deductible.
Deductible
$250, $300 and $500
Age Limit
Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.
More: Fetch Pet Insurance Reviews
Why Our Users Picked It:
Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
Pros & Cons:
✓ High reimbursement rates✓ Easy claim submission process✓ Includes coverage for boarding and kennel fees of up to $1,000✓ Flexibility in coverage options✓ No wellness plan coverage✕ 6-month exclusionary periodPlan Limits
✓ Per Condition LimitIf your pet has a pre-existing condition—but it doesn’t reoccur or need treatment for 365 days—the condition will be covered going forward.
✓ Lifetime LimitNo annual policy limit means that there is no limit to the amount of money that you could be paid in a given year on all of your unexpected vet bills. Fetch pet insurance will continue paying you back.
✓ Deductible TypeDeductibles reset annually
✕ Direct PayWhat is Covered?
✓ Accident and InjuryThe cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
✓ HospitalizationOvernight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.
✓ Rehabilitation✓ Continual CareOnce we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.
✓ Emergency VisitsTreatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.
✓ SurgeryThe cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
✓ Dental TraumaWe cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
✓ Foreign Object Ingestion✓ Congenital or Hereditary ConditionsNot all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.
✓ Cancer TreatmentsThe cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
✓ Dietary SupplementsAny non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
✕ End of Life: Burial and CremationWe do not cover any after passing expenses such as burial or cremation.
✓ IllnessThe cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
✓ SpecialistsTreatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
✓ ProstheticsWe don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.
✓ End of Life: EuthanasiaWe cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.
✓ Prescription DrugsWe cover medicines like antibiotics and insulin, as well as natural supplements like vitamins and herbal therapies, when they’re recommended by a vet to treat a new injury or illness. Preventive drugs, like heartworm or flea and tick medication, are not included.
✓ Outpatient CareTreatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
✓ Bilateral ConditionsBilateral exclusions can apply to other parts of the body.
✕ Travel CoverageWe don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.
✓ Vet Exam FeesEvery sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
✓ Medical ImagingTests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
✓ Organ TransplantsWe can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.
✓ Wellness CoverOnly covered if you buy the optional endorsement.
✓ Lab TestsTests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
✓ Behavioral TreatmentsConsultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.
Plan Summary
Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.
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Trupanion
4.9 out of 5total reviews
55,034
$0 to $1,000 per conditionCan enroll pets from birthPlan Details...Cost per month
Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.
Coverage
Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.
Deductible
If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.
Age Limit
All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life
More: Trupanion Pet Insurance Reviews
Why Our Users Picked It:
Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
Pros & Cons:
✓ Excellent customer service✓ Easy and straightforward claims submission✓ Reliable coverage and timely payments✓ Comprehensive coverage of many health issues and medical procedures✕ Higher monthly premiums than some others✕ Does not cover vet exam fees✕ 12-Day waiting period before coverage takes effectPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypePer Condition
✓ Direct PayWhat is Covered?
✓ Accident and InjuryUnlimited
✓ HospitalizationUnlimited
✓ RehabilitationUnlimited with Recovery & Care Rider
✓ Continual CareUnlimited
✓ Emergency VisitsUnlimited
✓ SurgeryUnlimited
✓ Dental TraumaUnlimited
✓ Foreign Object IngestionUnlimited
✓ Congenital or Hereditary ConditionsUnlimited
✓ Cancer TreatmentsUnlimited
✓ Dietary SupplementsUnlimited
✓ End of Life: Burial and Cremation✓ IllnessUnlimited
✓ SpecialistsUnlimited
✓ ProstheticsUnlimited
✕ End of Life: Euthanasia✓ Prescription DrugsUnlimited
✓ Outpatient CareUnlimited
✓ Bilateral ConditionsUnlimited
✕ Travel Coverage✕ Vet Exam Fees✓ Medical ImagingUnlimited
✓ Organ TransplantsUnlimited
✕ Wellness Cover✓ Lab TestsUnlimited
✓ Behavioral TreatmentsPlan Summary
With Trupanion, you not only get incredibly comprehensive coverage but you also get peace of mind 24/7/365 with Trupanions customer support and preapprovals, because they know that accidents don’t happen at the most convenient of times. You can choose your deductible from $0-$1000, in $5 increments and for some plans there are no deductibles at all! Trupanion is always thinking ahead, setting the industry standard, working to make pet insurance as easy and seamless as possible for vets and pet owners. A couple examples of this are they offer no deductibles, and are able to pay the vet directly, within seconds, at time of checkout- eliminating the reimbursement process, so you’ll get full coverage without having to pay the full amount at every vet visit. They won’t ever tell you that you’ve submitted too many claims or you’ve reached your payout limit, because they offer unlimited payouts on all eligible claims. Terms and conditions apply. See your states policy at Trupanion.com for full coverage details
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Pets Best
4.9 out of 5total reviews
15,673
$50 – $1,000 annuallyAt least 7 weeks old to enrollPlan Details...Cost per month
$6 and up, depending on your chosen plan.
Coverage
Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.
Deductible
$50 – $1,000 annually.
Age Limit
Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.
More: Pets Best Pet Insurance Reviews
Why Our Users Picked It:
Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
Pros & Cons:
✓ Simple and streamlined claims submission process✓ Transparent communication✓ Affordable premiums✓ Great customer service that has been called “courteous and responsive” by users.✓ Varying deductible options to choose from✓ Wellness coverage available✕ 6-month waiting period for coverage of cruciate ligament issues✕ No coverage for alternative treatmentsPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✓ Direct PayWhat is Covered?
✓ Accident and InjuryUp to limit selected ($5,000- unlimited)
✓ Hospitalization✓ Rehabilitation✓ Continual CareUp to limit selected
✓ Emergency VisitsUp to limit selected ($5,000- unlimited)
✓ SurgeryUp to limit selected
✓ Dental TraumaUp to limit selected
✓ Foreign Object IngestionUp to limit selected
✓ Congenital or Hereditary ConditionsUp to limit selected
✓ Cancer TreatmentsUp to limit selected
✕ Dietary Supplements✕ End of Life: Burial and Cremation✓ IllnessUp to limit selected
✓ SpecialistsUp to limit selected
✓ ProstheticsUp to limit selected
✓ End of Life: EuthanasiaUp to limit selected
✓ Prescription DrugsUp to limit selected
✓ Outpatient CareUp to limit selected
✓ Bilateral ConditionsIf pre-existing, not covered
✓ Travel CoverageCanada, Puerto Rico, and US Territories
✓ Vet Exam Fees✓ Medical ImagingUp to limit selected
✕ Organ Transplants✓ Wellness CoverUp to limit selected if optional additional coverage plan available
✓ Lab TestsUp to limit selected
✓ Behavioral TreatmentsExam and Rx only
Plan Summary
Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.
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Adoro
4.9 out of 5total reviews
55
$200 to $1,000 annuallyAt least 7 weeks old to enrollPlan Details...Cost per month
Plan costs depend on your choices, as well as pet breed, age and where you live.
Coverage
Accident and illness coverage, with two wellness optional choices. Exam fees and rehab coverage included in every policy (not an add-on). Payout percentages range from 50% - 85%.
Deductible
Range from $200 to $1,000 (annual).
Age Limit
At least 7 weeks old to enroll (and 14 years or younger). Once the pet is enrolled they may stay insured regardless of age.
More: Adoro Pet Insurance Reviews
Why Our Users Picked It:
Pet owners chose Adoro for its straightforward accident and illness coverage that includes services many insurers treat as add-ons, such as exam fees and rehabilitation. Its simple policies, stable pricing, and fast digital claims process make it an appealing option for pet parents who want coverage that is easy to understand and easy to use.
Pros & Cons:
✓ Coverage includes exam fees and rehabilitation✓ Simple, easy-to-understand policies✓ Fast digital claims and quick payouts✓ Pricing designed to stay stable as pets age✓ Optional wellness coverage for routine care✕ Newer company with limited long-term reviewsPlan Limits
✓ Per Condition LimitOur wellness plans have per-item limits, but there are no per-condition limits for accident and illness coverage.
✓ Lifetime LimitNone.
✓ Deductible TypeAnnual
✓ Direct PayWhat is Covered?
✓ Accident and Injury✓ Hospitalization✓ Rehabilitation✓ Continual Care✓ Emergency Visits✓ Surgery✓ Dental TraumaIf prescribed by a veterinarian to treat a condition, but not for prevention or general health maintenance.
✓ Foreign Object IngestionOne occurrence per 12-month period.
✓ Congenital or Hereditary ConditionsWe do not treat congenital or hereditary conditions any differently. Covered up to chosen annual limit.
✓ Cancer Treatments✓ Dietary Supplements✓ End of Life: Burial and CremationCombined with euthanasia – up to $250 for pets 2 or younger at enrollment.
✓ Illness✓ Specialists✓ Prosthetics✓ End of Life: EuthanasiaCombined with burial and cremation – up to $250 for pets 2 or younger at enrollment.
✓ Prescription Drugs✓ Outpatient Care✓ Bilateral Conditions✓ Travel CoverageCoverage available while traveling throughout the U.S. Travel-related expenses or cancellation of a trip due a pet’s illness is not covered.
✓ Vet Exam FeesNo add-on needed.
✓ Medical Imaging✕ Organ TransplantsNot at this time.
✓ Wellness Cover2 available options.
✓ Lab Tests✕ Behavioral TreatmentsMedications prescribed by a veterinarian would be covered.
Plan Summary
adoro is a new kind of pet insurance, built by industry veterans who knew there had to be a better way. We designed coverage that’s simpler, clearer, and built to stay affordable as pets get older. We do a lot of things better. Here are some: We have a unique deductible lock feature, which means premiums will remain more stable as pets age; We don’t charge you extra to pay monthly; We include exam fees and physical rehabilitation in our policy – no adds-ons needed; We are the only company to offer body condition score and customer loyalty discounts.
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Prudent Pet
4.8 out of 5total reviews
2,884
$100, $250 or $500 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.
Coverage
We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement.
Deductible
Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.
Age Limit
We have no age limits, but your pet will need to be at least 8 weeks old to enroll.
More: Prudent Pet Pet Insurance Reviews
Why Our Users Picked It:
Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.
Pros & Cons:
✓ Simple claim submission✓ Helpful and speedy customer service✓ Quick payments with direct deposit as an option✓ Only 5-day waiting period for accident coverage✓ Optional wellness plan available✕ Higher premiums than many other companies✕ No mobile app available as of writingPlan Limits
✓ Per Condition Limit✓ Lifetime Limit✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury$2,500 - Unlimited
✓ Hospitalization$2,500 - Unlimited
✓ Rehabilitation$2,500 - Unlimited
✓ Continual Care$2,500 - Unlimited
✓ Emergency Visits$2,500 - Unlimited
✓ Surgery$2,500 - Unlimited
✓ Dental Trauma$2,500 - Unlimited
✓ Foreign Object Ingestion$2,500 - Unlimited
✓ Congenital or Hereditary Conditions✓ Cancer Treatments$2,500 - Unlimited
✓ Dietary Supplements$2,500 - Unlimited
✓ End of Life: Burial and Cremation$2,500 - Unlimited
✓ Illness✓ Specialists$2,500 - Unlimited
✕ Prosthetics✓ End of Life: Euthanasia$2,500 - Unlimited
✓ Prescription Drugs$2,500 - Unlimited
✓ Outpatient Care$2,500 - Unlimited
✓ Bilateral Conditions$2,500 - Unlimited
✓ Travel Coverage$2,500 - Unlimited
✓ Vet Exam Fees$2,500 - Unlimited
✓ Medical Imaging$2,500 - Unlimited
✓ Organ Transplants$2,500 - Unlimited
✓ Wellness Cover$2,500 - Unlimited
✓ Lab Tests$2,500 - Unlimited
✓ Behavioral Treatments$2,000
Plan Summary
Prudent Pet works with any vet in the U.S. and is dedicated to providing pet owners with insurance that is simple, and easy to understand . We cover both accident and illnesses and have a preventive/wellness plan that can be added on to any policy at an additional cost. Filing claims is simple and can be done with a photo through our online portal.
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Lemonade
4.8 out of 5total reviews
835
$100, $250 or $500 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Policies start at $10/Month
Coverage
Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, 80%, or 90% after the deductible.
Deductible
$100, $250 or $500 annually.
Age Limit
Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage for pets as they age.
More: Lemonade Pet Insurance Reviews
Why Our Users Picked It:
Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
Pros & Cons:
✓ Some of the most affordable premiums out there✓ Comprehensive coverage✓ Great customer service✓ Easy claims process and quick payment times✕ No coverage for alternative therapies✕ 6-month waiting period for coverage of cruciate ligaments✕ Exam fees not covered in base policiesPlan Limits
✓ Per Condition LimitOur preventative care packages have per item limits, but for accident and illness coverage, we don't have per condition limits.
✓ Lifetime LimitNone.
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury✓ Hospitalization✓ RehabilitationYes, with the physical therapy add-on
✓ Continual Care✓ Emergency Visits✓ Surgery✓ Dental TraumaYes if caused by an accident
✓ Foreign Object Ingestion✓ Congenital or Hereditary Conditions✓ Cancer Treatments✓ Dietary SupplementsWe can cover some supplements, when recommended by a veterinarian for an eligible illness
✓ End of Life: Burial and CremationCremation can be covered with the end-of-life and remembrance add-on
✓ Illness✓ SpecialistsYes - depending on the condition
✕ ProstheticsNot at this time
✓ End of Life: EuthanasiaVet-recommended euthanasia can be covered through the Accident and Illness plan or the end-of-life and remembrance add-on
✓ Prescription Drugs✓ Outpatient Care✓ Bilateral ConditionsYes - unless it is considered a pre-existing condition
✕ Travel CoverageNot at this time
✕ Vet Exam FeesYes, with the Physical Therapy add-on
✓ Medical Imaging✕ Organ TransplantsNot at this time
✓ Wellness CoverYes, with a preventative care package
✓ Lab Tests✓ Behavioral TreatmentsYes, with the behavioral conditions add-on
Plan Summary
Lemonade Pet Insurance is a relatively new company, but it has quickly become one of the most popular pet insurance providers in the United States. The company has been praised for its user-friendly website and app, its affordable premiums, and its quick and easy claims process. They offer accident and illness coverage, routine care, and a number of optional add-ons including vet visit fees, behavioral conditions, and dental illness coverage.
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Nationwide
4.7 out of 5total reviews
25,788
$0 to $1,000 annuallyNo age restriction to enrollPlan Details...Cost per month
Policies start at approximately $12 per month.
Coverage
Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.
Deductible
Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.
Age Limit
No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.
More: Nationwide Pet Insurance Reviews
Why Our Users Picked It:
Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
Pros & Cons:
✓ Simple claim process✓ Quick payment in as little as 24 - 48 hours✓ Comprehensive coverage✓ High reimbursement rates✓ Coverage for dental cleanings✕ 12-month waiting period for coverage of cruciate ligaments or meniscus (knee) injuries✕ Lack of flexibility in choosing premiums and deductiblesPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and InjuryUnlimited
✓ HospitalizationUnlimited
✓ RehabilitationUnlimited
✓ Continual CareUnlimited
✓ Emergency VisitsUnlimited
✓ SurgeryUnlimited
✓ Dental TraumaUnlimited
✓ Foreign Object IngestionUnlimited
✓ Congenital or Hereditary ConditionsUnlimited
✓ Cancer TreatmentsUnlimited
✓ Dietary SupplementsUnlimited - if prescribed by veterinarian to treat a condition
✓ End of Life: Burial and CremationUnlimited
✓ IllnessUnlimited
✓ SpecialistsUnlimited
✓ ProstheticsUnlimited - if prescribed by veterinarian to treat a condition
✓ End of Life: EuthanasiaUnlimited
✓ Prescription DrugsUnlimited
✓ Outpatient CareUnlimited
✓ Bilateral ConditionsUnlimited - conditions affecting both sides of the body
✓ Travel CoverageUnlimited - medical coverage only while travelling away from home. Cancellation of trip due to pet's illness is not covered
✓ Vet Exam FeesUnlimited
✓ Medical ImagingUnlimited
✓ Organ TransplantsUnlimited
✓ Wellness CoverUnlimited
✓ Lab TestsUnlimited
✓ Behavioral TreatmentsUnlimited - if prescribed by veterinarian to treat a condition
Plan Summary
Since 1982, Nationwide has helped pet owners protect what matters most. 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. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.
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MetLife
4.7 out of 5total reviews
11,565
$50 to $500 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.
Coverage
Reimbursement for up to 90% of vet costs.
Deductible
Customizable deductibles from $50-$500
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
More: MetLife Pet Insurance Reviews
Why Our Users Picked It:
Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
Pros & Cons:
✓ Lower pricing than many providers in the market✓ A wide range of coverage options✓ Friendly and knowledgeable customer service reps✓ Easy and fast claim process✕ 6-month waiting period for cruciate ligament issues and intervertebral disc diseasePlan Limits
✓ Per Condition Limit$2,000 - $10,000
✓ Lifetime Limit✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury✓ Hospitalization✕ Rehabilitation✕ Continual Care✕ Emergency Visits✓ Surgery✕ Dental Trauma✕ Foreign Object Ingestion✕ Congenital or Hereditary Conditions✕ Cancer Treatments✕ Dietary Supplements✕ End of Life: Burial and Cremation✓ Illness✕ Specialists✕ Prosthetics✕ End of Life: Euthanasia✕ Prescription Drugs✕ Outpatient Care✕ Bilateral Conditions✕ Travel Coverage✓ Vet Exam Fees✕ Medical Imaging✕ Organ Transplants✕ Wellness Cover✕ Lab Tests✕ Behavioral TreatmentsPlan Summary
Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!
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Pumpkin
4.7 out of 5total reviews
3,624
$100, $250, $500 or $1000 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.
Coverage
Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.
Deductible
3 options: $100, $250, $500 and $1000
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
More: Pumpkin Pet Insurance Reviews
Why Our Users Picked It:
Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
Pros & Cons:
✓ Exceptional and caring customer service✓ Reliable and hassle-free coverage✓ Comprehensive coverage options✓ Covers vet exam fees✓ Up to 90% reimbursement rates✕ No accident-only plan available✕ 14-day accident waiting period (some providers only require 1 - 2 days for this coverage)Plan Limits
✓ Per Condition LimitNone
✓ Lifetime LimitNone
✓ Deductible TypeAnnual
✓ Direct PayWhat is Covered?
✓ Accident and InjuryIncluded
✓ HospitalizationIncluded
✓ RehabilitationIncluded
✓ Continual CareIncluded
✓ Emergency VisitsIncluded
✓ SurgeryIncluded
✓ Dental TraumaIncluded
✓ Foreign Object IngestionIncluded
✓ Congenital or Hereditary ConditionsIncluded
✓ Cancer TreatmentsIncluded
✓ Dietary SupplementsIncluded
✓ End of Life: Burial and CremationIncluded
✓ IllnessIncluded
✓ SpecialistsIncluded
✓ ProstheticsIncluded
✓ End of Life: EuthanasiaIncluded
✓ Prescription DrugsIncluded
✓ Outpatient CareIncluded
✓ Bilateral ConditionsCovered up to the annual limit
✓ Travel CoverageCoverage applies when your pet receives eligible care in the U.S., its territories, or Canada. There is no restricted network of veterinarians. Travel-related expenses are not covered.
✓ Vet Exam FeesSick exam fees covered, plus one annual wellness exam with optional preventive care plan
✓ Medical ImagingIncluded
✕ Organ Transplants✓ Wellness CoverCovered by optional preventive care plan
✓ Lab TestsIncluded
✓ Behavioral TreatmentsIncluded
Plan Summary
Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Their best-in-class plan offers many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, and dental illness coverage, plus the same coverage as your pet ages. About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.
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Spot
4.6 out of 5total reviews
11,667
$100, $250, $500, $750 or $1000 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250, $500, $750 or $1000 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
More: Spot Pet Insurance Reviews
Why Our Users Picked It:
Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
Pros & Cons:
✓ Simple and fast claim process✓ Awesome customer service✓ Fast payments✓ Transparent quote process✓ Optional wellness plan available✕ Limited coverage (compared to others)✕ 14-Day waiting period for accident coverage (some providers only require 1-2 days)Plan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and InjuryCovered up to the selected annual limit ($2,500-Unlimited)
✓ HospitalizationCovered up to the selected annual limit ($2,500-Unlimited)
✓ RehabilitationCovered up to the selected annual limit ($2,500-Unlimited)
✓ Continual CareCovered up to the selected annual limit ($2,500-Unlimited)
✓ Emergency VisitsCovered up to the selected annual limit ($2,500-Unlimited)
✓ SurgeryCovered up to the selected annual limit ($2,500-Unlimited)
✓ Dental TraumaCovered up to the selected annual limit ($2,500-Unlimited)
✓ Foreign Object IngestionCovered up to the selected annual limit ($2,500-Unlimited)
✕ Congenital or Hereditary ConditionsCovered up to the selected annual limit ($2,500-Unlimited)
✓ Cancer TreatmentsCovered up to the selected annual limit ($2,500-Unlimited)
✓ Dietary SupplementsCovered up to the selected annual limit ($2,500-Unlimited)
✓ End of Life: Burial and CremationCovered up to the selected annual limit ($2,500-Unlimited)
✕ IllnessCovered up to the selected annual limit ($2,500-Unlimited)
✓ SpecialistsCovered up to the selected annual limit ($2,500-Unlimited)
✓ ProstheticsCovered up to the selected annual limit ($2,500-Unlimited)
✓ End of Life: EuthanasiaCovered up to the selected annual limit ($2,500-Unlimited)
✓ Prescription DrugsCovered up to the selected annual limit ($2,500-Unlimited)
✓ Outpatient CareCovered up to the selected annual limit ($2,500-Unlimited)
✓ Bilateral ConditionsCovered up to the selected annual limit ($2,500-Unlimited)
✕ Travel CoverageIf a pet is traveling within the U.S., it's territories of Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
✓ Vet Exam FeesCovered up to the selected annual limit ($2,500-Unlimited)
✓ Medical ImagingCovered up to the selected annual limit ($2,500-Unlimited)
✓ Organ TransplantsCovered up to the selected annual limit ($2,500-Unlimited)
✓ Wellness CoverCovered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
✓ Lab TestsCovered up to the selected annual limit ($2,500-Unlimited)
✓ Behavioral TreatmentsCovered up to the selected annual limit ($2,500-Unlimited)
Plan Summary
Spot Pet Insurance is the only pet insurance recommended by Cesar Millan. They are committed to educating pet parents about the benefits pet insurance has to offer, making more affordable animal care across the U.S. for pet parents. Their Accident & Illness plan covers accidents, injuries, illnesses, chronic conditions like cancer and more, and features simplified reimbursement based on percentage of submitted claims. Preventive Care is available at an additional cost. There is no network; bring your pet to any licensed vet in the US, emergency or specialty clinic for the attention they deserve.
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ManyPets
4.6 out of 5total reviews
2,416
$0, $100, $250, $500, and $750 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Varies by pet location, age, and breed
Coverage
Pet Accident and Illness coverage and offer a non-insurance wellness product.
Deductible
Deductible options vary by state and pet age. Common deductibles include $0, $100, $250, $500, and $750
Age Limit
Pet must be at least 8 weeks old or younger than 14 to purchase. No age cap on renewals.
More: ManyPets Pet Insurance Reviews
Why Our Users Picked It:
Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.
Pros & Cons:
✓ Lower premiums than many pet insurance companies and for unlimited annual coverage as well✓ Kind and knowledgeable customer service reps✓ Optional wellness plan✓ Coverage for vet exam fees✕ No coverage for alternative therapies✕ Not available in all 50 statesPlan Limits
✓ Per Condition Limit✓ Lifetime Limit✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury✓ Hospitalization✓ Rehabilitation✓ Continual Care✓ Emergency Visits✓ Surgery✓ Dental Trauma✓ Foreign Object Ingestion✓ Congenital or Hereditary ConditionsAs long as they are not pre-existing
✓ Cancer Treatments✓ Dietary SupplementsAs long as they are prescribed to treat a covered Text condition
✓ End of Life: Burial and Cremation✓ Illness✓ Specialists✓ Prosthetics✓ End of Life: Euthanasia✓ Prescription Drugs✓ Outpatient Care✓ Bilateral ConditionsAs long as they are not pre-existing
✕ Travel Coverage✓ Vet Exam Fees✓ Medical Imaging✓ Organ Transplants✕ Wellness CoverSeparate plan that must be purchased
✓ Lab Tests✕ Behavioral TreatmentsExcluded
Plan Summary
Many Pets is a pet insurance company that offers policies that cover a wide range of veterinary expenses including accidents, illnesses, and preventive care. They offer a clear and concise explanation of their policies, and they make it easy to compare different plans. They also have a team of experienced customer service representatives who are available to answer any questions you may have.
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AKC
4.5 out of 5total reviews
1,801
$100 – $1,000 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
$5 – $90 depending on coverage options chosen.
Coverage
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.
Deductible
Choose from $100 – $1,000 annual deductible.
Age Limit
Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.
More: AKC Pet Insurance Reviews
Why Our Users Picked It:
Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
Pros & Cons:
✓ Great customer service (easy to get a human on the phone)✓ Simple claim submission process✓ Quick payments✓ Unlimited annual coverage available✕ No dental coverage✕ Additional coverage required for hereditary and congenital conditions✕ Pets with certain medical histories are only offered accident coveragePlan Limits
✓ Per Condition Limit✓ Lifetime Limit✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✕ Accident and Injury✕ Hospitalization✕ Rehabilitation✕ Continual Care✕ Emergency Visits✕ Surgery✕ Dental Trauma✕ Foreign Object Ingestion✕ Congenital or Hereditary Conditions✕ Cancer Treatments✕ Dietary Supplements✕ End of Life: Burial and Cremation✕ Illness✕ Specialists✕ Prosthetics✕ End of Life: Euthanasia✕ Prescription Drugs✕ Outpatient Care✕ Bilateral Conditions✕ Travel Coverage✕ Vet Exam Fees✕ Medical Imaging✕ Organ Transplants✕ Wellness Cover✕ Lab Tests✕ Behavioral TreatmentsPlan Summary
AKC Pet Insurance is a good option for pet owners who are looking for comprehensive coverage at a competitive price. The company offers a wide range of plans to fit different needs, and its claims process is easy to use. AKC Pet Insurance covers a wide range of medical expenses, including accidents, illnesses, and routine care. The company also has a good reputation for excellent customer service.
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ASPCA
4.4 out of 5total reviews
12,252
$100, $250 or $500 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250 or $500 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
More: ASPCA Pet Insurance Reviews
Why Our Users Picked It:
Users appreciate that the ASPCA Pet Health Insurance program offers up to 90% reimbursement of covered conditions for services relating to emergency visits, chronic conditions, alternative therapies and even things you may not think about like prescription medications. For an additional price per month, one of two optional Preventive Care plans can be selected to reimburse on things that help keep your pet healthy. Many users have also highlighted the positive experience of working with the helpful and responsive customer services representatives.
Pros & Cons:
✓ Simple and streamlined claims process✓ Awesome customer service✓ Extensive coverage of many conditions and treatment options✓ Some of the most affordable premiums in the space✓ No special waiting periods for cruciate ligament issues or other specific conditionsPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and InjuryCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ HospitalizationCovered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
✓ RehabilitationCovered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
✓ Continual CareCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ Emergency VisitsCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ SurgeryCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ Dental TraumaCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Foreign Object IngestionCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Congenital or Hereditary Conditions✓ Cancer TreatmentsCovered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
✓ Dietary SupplementsPrescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
✓ End of Life: Burial and CremationCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ IllnessCovered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
✓ SpecialistsCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✕ Prosthetics✓ End of Life: EuthanasiaCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Prescription DrugsCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Outpatient CareCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Bilateral ConditionsIf any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.
✓ Travel CoverageIf a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
✓ Vet Exam FeesCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ Medical ImagingCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✕ Organ Transplants✕ Wellness CoverOptional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services
✓ Lab Tests"Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses
✓ Behavioral TreatmentsCoverage offered with purchase of Complete Coverage plan only
Plan Summary
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937). The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.
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Hartville
4.4 out of 5total reviews
184
$100, $250 or $500 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250 or $500 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
More: Hartville Pet Insurance Reviews
Why Our Users Picked It:
Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
Pros & Cons:
✓ Flexible coverage options✓ Annual coverage limits range from $2,500 to unlimited (great option for senior pets)✓ Optional wellness plan✕ Doesn’t cover alternative care✕ Potential premium increases✕ Longer times to reimbursementsPlan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and InjuryCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ HospitalizationCovered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
✓ RehabilitationCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Continual CareCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Emergency VisitsCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ SurgeryCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Dental TraumaCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Foreign Object IngestionCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Congenital or Hereditary Conditions✓ Cancer TreatmentsCovered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
✓ Dietary SupplementsPrescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
✓ End of Life: Burial and CremationCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ IllnessCovered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
✓ SpecialistsCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✕ Prosthetics✓ End of Life: EuthanasiaCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Prescription DrugsCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Outpatient CareCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✓ Bilateral ConditionsIf any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.
✓ Travel CoverageIf a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
✓ Vet Exam FeesCovered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
✓ Medical ImagingCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
✕ Organ Transplants✕ Wellness CoverOptional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services
✓ Lab Tests"Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses
✓ Behavioral TreatmentsCovered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Plan Summary
Hartville Pet Insurance, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.
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PetPartners
4.3 out of 5total reviews
122
$100 – $1,000 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
$5 – $90 depending on coverage options chosen.
Coverage
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.
Deductible
Choose from $100 – $1,000 annual deductible.
Age Limit
Pets must be at least 8 weeks old to enroll with no upper age limit Coverage options available for senior pets.
More: PetPartners Pet Insurance Reviews
Why Our Users Picked It:
Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
Pros & Cons:
✓ Exceptional and friendly customer service✓ Fast payments✓ Customizable policies✓ Lower premiums than some✕ Limited options for older pets✕ Exam fees are additional cost✕ Hip dysplasia and congenital and hereditary conditions only available when pets are enrolled at 2 years of age or youngerPlan Limits
✓ Per Condition Limit✓ Lifetime Limit✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury✓ Hospitalization✓ Rehabilitation✓ Continual Care✓ Emergency Visits✓ Surgery✓ Dental Trauma✓ Foreign Object Ingestion✓ Congenital or Hereditary Conditions✓ Cancer Treatments✓ Dietary Supplements✓ End of Life: Burial and Cremation✓ Illness✓ Specialists✓ Prosthetics✓ End of Life: Euthanasia✓ Prescription Drugs✓ Outpatient Care✓ Bilateral Conditions✓ Travel Coverage✓ Vet Exam Fees✓ Medical Imaging✓ Organ Transplants✓ Wellness Cover✓ Lab Tests✓ Behavioral TreatmentsPlan Summary
Pet Partners offers three levels of pet insurance: Basic, Advanced, and Ultimate. Each level offers different levels of coverage and reimbursement rates. Pet Partners pet insurance is available to all pets, regardless of age, breed, or health history. To enroll, your pet must be spayed or neutered and up-to-date on all vaccinations.
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Figo
4.1 out of 5total reviews
2,877
$100, $250, $500, $750, $1,000 or $1,500 annuallyAt least 8 weeks old to enrollPlan Details...Cost per month
$9 to $135 on average depending on chosen plan.
Coverage
You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.
Deductible
$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.
Age Limit
Must be 8 weeks or older to enroll. No upper age limits apply.
More: Figo Pet Insurance Reviews
Why Our Users Picked It:
Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
Pros & Cons:
✓ Only 1-day waiting period for accident coverage✓ Wellness coverage available✓ Simple claims process✓ Up to 100% reimbursement available✕ Extra costs for vet exams✕ 6-month waiting period for orthopedic problems (in some cases can be waived if your vet signs a waiver)✕ Does not offer an accident-only planPlan Limits
✓ Per Condition LimitNone
✓ Lifetime LimitNone
✓ Deductible TypeAnnual
✓ Direct PayWhat is Covered?
✓ Accident and InjuryUnlimited
✓ HospitalizationUnlimited
✓ RehabilitationUnlimited
✓ Continual CareUnlimited
✓ Emergency VisitsUnlimited
✓ SurgeryUnlimited
✓ Dental TraumaUnlimited
✓ Foreign Object IngestionUnlimitedUnlimited - Only if the pet did not require decontamination 2 or more times within the 18 months prior to the policy effective date or within the waiting periods
✓ Congenital or Hereditary ConditionsUnlimited
✓ Cancer TreatmentsUnlimited
✓ Dietary SupplementsUnlimited - Limited to prescription foods that are used to treat existing bladder stones or crystals.
✓ End of Life: Burial and CremationUnlimited - If the pet passes during the policy period as a result of illness or injury and meets the coverage requirements.
✓ IllnessUnlimited
✓ SpecialistsUnlimited - *In addition, the examination fee for a specialist can be covered depending on whether the optional exam fee coverage was added.
✓ ProstheticsUnlimited
✓ End of Life: EuthanasiaUnlimited - If deemed medically necessary by licensed vet and it is the result of a covered accident or illness.
✓ Prescription DrugsUnlimited
✓ Outpatient CareUnlimited
✓ Bilateral ConditionsUnlimited
✓ Travel Coverage$1,000 - If deemed a life threatening condition and vacation was preplanned.
✓ Vet Exam FeesIf plan is selected with that option
✓ Medical ImagingUnlimited
✓ Organ TransplantsUnlimited - Requires preapproval
✕ Wellness CoverUnlimited
✓ Lab TestsUnlimited
✓ Behavioral Treatments$1,000
Plan Summary
Figo Pet Insurance is committed to making lives easier for pets and their people. Their cloud-based technology enables pet parents to manage the lives of their pets on-the-go through their Pet Cloud. The Pet Cloud app significantly enhances the way Figo engages with pet parents by providing an A.I. claims experience, live veterinary chat, alerts, records management and more to seamlessly manage their policy and make pet parenting a breeze.
What Dog Owners Are Saying
Showing reviews for: All Providers
Congenital Deformity
Fostering a Gldn born w/congenital right-front stump including top bone, joint and partial lower bone, no paw. They don’t take a pup w/congenital deformity. I have had 5 other Golden’s insured by them through the years...
Monthly fee jumped by 90%!!!
I was $118 monthly on a 70%/$500 deductible plan and then in March 2026 it jumped to $225.96/mo! I called them and they said it was due to age of my do (currently 9yrs old and...
I was nervous when I got a $9600 vet…
I was nervous when I got a $9600 vet bill for my dog who ate two corn on the cobs. I paid the bill and when I submitted the invoice within 24 hours, it was already...
So far very happy
I have not actually had to submit a claim to Fetch yet so unsure how that will work. But, my representative, Megan, was amazing and spent the time to go through all my options with no...
On 7/27/26 I called customer service…
On 7/27/26 I called customer service and spoke with Elizabeth about Gunther’s renewal for insurance. I was not happy abut the new renewal amount and Elizabeth assured me that we could work out something. We have...
Horrible insurance for pretty much everything and uses loopholes to not pay out claims. Dedicated to not paying claims
Ok so I get they don’t cover basic wellness checks but I mean damn. Trupanion totally sucks. They deny cleaning with anesthesia but require you to have yearly dental exams lol. So you must pay full...
Great support super success sappas
Great support super success sappas. Sbhs
#1 Pet Insurance ...PetsBest
They are very fast and efficient on processing your claims.
Fast and easy
PetsBest makes me feel safe, knowing my kitties are covered. PetsBest has already proven extremely beneficial when my kitty became ill. I've been able to afford their care, thanks to PetsBest. Absolutely worth every penny of...
Claims Experience
Everything was easy, and your response was quick.
Claims Experience
Very easy to file and very prompt payment- thanks for the awesome service!
I just signed up and it was simple
I just signed up and it was
Easy!
My review is for how easy & straight forward it was to sign up & get benefits for my cat! The price is affordable for me as a single person working a part-time job with no...
Over $2,000 in unpaid claims. I canceled all three policies; I’d give 0 stars if I could
Lemonade pet insurance was truly terrible to work with. I insured three pets with them, and they paid only one of the five claims I submitted. I was left with over $2,000 in unpaid claims, on...
Lemonade Stay Away
When I got the pet insurance through Lemonade, they were fast to settle claims and I had no problems. Now it seems that they through the claim around to multiple agents and are always looking into...
High Annual Renewals/Pending Class Action Lawsuit for Bait and Switch Policy
I have 6 Saint Bernards and have had multiple Saints in my home for over 20 years. The first issue was when they stopped offering their popular Whole Pet with Wellness Policy, drastically reducing benefits available....
Great experience overall!
It was very simple to review the plans and make adjustments. It was also very clear on what was included vs what is not. Great experience overall!
Renewal rate
Switched to MetLife from ASPCA for cost. Never put in a claim but second year premium went up 160.00. Called customer service told increase do to age 4yrs to 5yrs and where I resided didn’t change...
Two Insurance Providers To Avoid
I had Nationwide Insurance for about 10 years to cover 2 dogs and always remained in good standing. However, one year ago, they notified policy holders they would not be renewing policies but offered much lower...
Thank you for your assistance in…
Thank you for your assistance in covering Olive's hospital bills
Filing a claim was easy and it was…
Filing a claim was easy and it was approved and paid very quickly. What a relief when dealing with a sick fur baby to not have to stress about red tape or the financial side of...
Ist Claim Never Happen Always Excuse
I pick this dog insurance know ing and rating was #1, But my first claim for $975.00 is a nightmare I have have call 4 times letting the know it was my first visit to the...
Great insurance and was simple after…
Great insurance and was simple after the six month records were finally obtained...easy to submit claims And easy to set up payment options
No phone number/ no claim
This company (Many Pets) has shut down its phone number, only responds to emails with an automatic reply that they received your message. They won’t pay out on a claim and there is no way to...
We were told several months ago that…
We were told several months ago that they were going out of business to deal with an insurance called Odie. Needless to say we called ,texted this Odie and didn't get any response. Then after 3...
My 1 year old Havanese dog that we got…
My 1 year old Havanese dog that we got from a breeder we noticed around her 1 year birthday that she was limping and pulling her right hind leg up. I took her to the vet...
Save your money, don’t sign up for this.
I regret signing up with this company. They always find reasons to not cover any part of “illness” claims, not even diagnostic testing, even when an accident was present, they will justify not paying a claim...
Don't take your babies here
Care to explain why you administered medications to my pet before consulting with me (the pet owner) first? You gave my baby zorbium a STRONG long lasting opiate, along with two other medications (gabapentin & Prozac...
WORST COMPANY EVER! DO NOT USE THIS CORRUPT COMPANY
After months and months of providing them copies of invoices, that were mailed, and emailed twice to the claim supervisor Sharon, there is still nothing happening other than their stupid email that says We are working...
Excellent for older cats
Hartville is a great deal, they’ve been covering 80% of my cats illness injury claims. It’s good because he’s a senior cat and sometimes it can be a challenge finding someone to insure him. I’m saving...
TERRIBLE TERRIBLE company
Don’t ever use this company. I got this insurance through my company and they have not processed my claim For basic annual check up.. Everytime they give you a different excuse for not processing your claim....
Do not use this insurance
Do not use this insurance. They upsell you only to not actually provide you any significant coverage. Waste of money waste of time. Scam.
Terrible: DO NOT BUY FIGO Insurance
The fine print and layout of the explanation of the benefits is deceptive. The graphic that summarizes the policy benefits shows two circles - one says $500 deductible, and the other circle says "unlimited". The categories...
They make it extremely easy to submit a…
They make it extremely easy to submit a claim. The staff very professional and eager to help you. The claim paid promptly. Glad I chose Fido Insurance.
Frequently Asked Questions
- Plan Limits
- What is Covered?
- Alternative Therapies Covered
- Waiting Periods
- Plan Exclusions
- Claim Technology
- Plan Summary
- Per Condition Limit
- Lifetime Limit
- Deductible Type
- Direct Pay
- Accident and Injury
- Hospitalization
- Rehabilitation
- Continual Care
- Emergency Visits
- Surgery
- Dental Trauma
- Foreign Object Ingestion
- Congenital or Hereditary Conditions
- Cancer Treatments
- Dietary Supplements
- End of Life: Burial and Cremation
- Illness
- Specialists
- Prosthetics
- End of Life: Euthanasia
- Prescription Drugs
- Outpatient Care
- Bilateral Conditions
- Travel Coverage
- Vet Exam Fees
- Medical Imaging
- Organ Transplants
- Wellness Cover
- Lab Tests
- Behavioral Treatments
- Acupressure
- Aromatherapy
- Holistic Care
- Low Level Laser Therapy
- Acupoint
- Physical Therapy
- Homeopathy
- Stem Cell Therapy
- Acupuncture
- Herbal Remedies
- Hydrotherapy
- Behavioral Modification
- Chiropractic
- Naturopathy