Compare the Best Dog Insurance Companies of 2024
Comparing the best dog insurance policies can be very challenging. That’s why we’re dedicated to making the process as simple as possible. To date our users have left over 150,000 honest reviews of the top dog insurance providers in the country. We analyze these reviews to come up with an honest ranking for each provider.
Unlike some other websites, we never get paid to promote an insurance company and we never give our own opinion. The following rankings are based entirely on the experiences of real pet parents just like you. Use our handy comparison chart to find the best dog insurance for you!
Best Veterinarians by State 2024
- Vets in Alaska (AK)
- Vets in Alabama (AL)
- Vets in Arkansas (AR)
- Vets in Arizona (AZ)
- Vets in California (CA)
- Vets in Colorado (CO)
- Vets in Connecticut (CT)
- Vets in District of Columbia (DC)
- Vets in Delaware (DE)
- Vets in Florida (FL)
- Vets in Georgia (GA)
- Vets in Hawaii (HI)
- Vets in Iowa (IA)
- Vets in Idaho (ID)
- Vets in Illinois (IL)
- Vets in Indiana (IN)
- Vets in Kansas (KS)
- Vets in Kentucky (KY)
- Vets in Louisiana (LA)
- Vets in Massachusetts (MA)
- Vets in Maryland (MD)
- Vets in Maine (ME)
- Vets in Michigan (MI)
- Vets in Minnesota (MN)
- Vets in Missouri (MO)
- Vets in Mississippi (MS)
- Vets in Montana (MT)
- Vets in North Carolina (NC)
- Vets in North Dakota (ND)
- Vets in Nebraska (NE)
- Vets in New Hampshire (NH)
- Vets in New Jersey (NJ)
- Vets in New Mexico (NM)
- Vets in Nevada (NV)
- Vets in New York (NY)
- Vets in Ohio (OH)
- Vets in Oklahoma (OK)
- Vets in Oregon (OR)
- Vets in Pennsylvania (PA)
- Vets in Rhode Island (RI)
- Vets in South Carolina (SC)
- Vets in South Dakota (SD)
- Vets in Tennessee (TN)
- Vets in Texas (TX)
- Vets in Utah (UT)
- Vets in Virginia (VA)
- Vets in Vermont (VT)
- Vets in Washington (WA)
- Vets in Wisconsin (WI)
- Vets in West Virginia (WV)
- Vets in Wyoming (WY)
2024 Best Pet Insurance Plans by State
- Pet Insurance in Alaska (AK)
- Pet Insurance in Alabama (AL)
- Pet Insurance in Arkansas (AR)
- Pet Insurance in Arizona (AZ)
- Pet Insurance in California (CA)
- Pet Insurance in Colorado (CO)
- Pet Insurance in Connecticut (CT)
- Pet Insurance in District of Columbia (DC)
- Pet Insurance in Delaware (DE)
- Pet Insurance in Florida (FL)
- Pet Insurance in Georgia (GA)
- Pet Insurance in Hawaii (HI)
- Pet Insurance in Iowa (IA)
- Pet Insurance in Idaho (ID)
- Pet Insurance in Illinois (IL)
- Pet Insurance in Indiana (IN)
- Pet Insurance in Kansas (KS)
- Pet Insurance in Kentucky (KY)
- Pet Insurance in Louisiana (LA)
- Pet Insurance in Massachusetts (MA)
- Pet Insurance in Maryland (MD)
- Pet Insurance in Maine (ME)
- Pet Insurance in Michigan (MI)
- Pet Insurance in Minnesota (MN)
- Pet Insurance in Missouri (MO)
- Pet Insurance in Mississippi (MS)
- Pet Insurance in Montana (MT)
- Pet Insurance in North Carolina (NC)
- Pet Insurance in North Dakota (ND)
- Pet Insurance in Nebraska (NE)
- Pet Insurance in New Hampshire (NH)
- Pet Insurance in New Jersey (NJ)
- Pet Insurance in New Mexico (NM)
- Pet Insurance in Nevada (NV)
- Pet Insurance in New York (NY)
- Pet Insurance in Ohio (OH)
- Pet Insurance in Oklahoma (OK)
- Pet Insurance in Oregon (OR)
- Pet Insurance in Pennsylvania (PA)
- Pet Insurance in Rhode Island (RI)
- Pet Insurance in South Carolina (SC)
- Pet Insurance in South Dakota (SD)
- Pet Insurance in Tennessee (TN)
- Pet Insurance in Texas (TX)
- Pet Insurance in Utah (UT)
- Pet Insurance in Virginia (VA)
- Pet Insurance in Vermont (VT)
- Pet Insurance in Washington (WA)
- Pet Insurance in Wisconsin (WI)
- Pet Insurance in West Virginia (WV)
- Pet Insurance in Wyoming (WY)
Dog Breeds 101: Traits, Training, and Care Tips
Compare the Best Dog Insurance Companies of 2024
Comparing the best dog insurance policies can be very challenging. That’s why we’re dedicated to making the process as simple as possible. To date our users have left over 150,000 honest reviews of the top dog insurance providers in the country. We analyze these reviews to come up with an honest ranking for each provider.
Unlike some other websites, we never get paid to promote an insurance company and we never give our own opinion. The following rankings are based entirely on the experiences of real pet parents just like you. Use our handy comparison chart to find the best dog insurance for you!
Top Dog Insurance Providers
US Providers
- US Providers
- US Discount and Pet Health Protection Providers
- Canadian Providers
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Embrace4.9 out of 516,333total reviews$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 Paws4.9 out of 59,949total reviews$250, $500 or $750 annuallyAt least 8 weeks old to enrollPlan Details...
Cost per month
$15 – $90, 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 $100, $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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Trupanion4.9 out of 564,745total reviews$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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Fetch4.9 out of 57,386total reviews$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 waiting period for pre-existing cruciate ligament issues and hip dysplasia✕ Difficulty in changing coverage✕ Misleading policy exclusionsPlan 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 TypeAnnual
✕ 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.
✓ RehabilitationTreatments 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.
✓ 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 IngestionYes
✓ 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 DrugsAny 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.
✓ 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 ConditionsYes, but the only bilateral exclusion we have on our policies is on the knees.
✕ 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 CoverFetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
✓ 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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Lemonade4.9 out of 5805total reviews$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 wellness package has limits on preventative care, but we don’t have per condition limits.
✓ Lifetime LimitNone.
✓ Deductible TypeAnnual
✕ Direct PayWhat is Covered?
✓ Accident and Injury✓ Hospitalization✓ RehabilitationYes with the Extended Accident and Illness package
✓ Continual Care✓ Emergency Visits✓ Surgery✓ Dental TraumaYes if caused by an accident
✓ Foreign Object Ingestion✓ Congenital or Hereditary Conditions✓ Cancer Treatments✕ Dietary SupplementsNot at this time
✕ End of Life: Burial and CremationNot at this time
✓ Illness✓ SpecialistsYes - depending on the condition
✕ ProstheticsNot at this time
✓ End of Life: Euthanasia✓ Prescription Drugs✓ Outpatient Care✓ Bilateral ConditionsYes - unless it is considered a pre-existing condition
✕ Travel CoverageNot at this time
✓ Vet Exam FeesYes with the Extended Accident and Illness package
✓ Medical Imaging✕ Organ TransplantsNot at this time
✓ Wellness CoverYes with the Preventative and Wellness package
✓ Lab Tests✕ Behavioral TreatmentsNot at this time
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, Wellness coverage, Dental coverage, Prescription drug coverage, and Behavioral health coverage.
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Nationwide4.8 out of 521,403total reviews$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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Prudent Pet4.8 out of 5125total reviews$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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Hartville4.7 out of 5164total reviews$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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Spot4.6 out of 56,731total reviews$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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ManyPets4.6 out of 52,323total reviews$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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Pumpkin4.6 out of 51,406total reviews$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 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 FeesSick exam fees covered, plus one annual wellness exam with optional preventive care plan
✓ Medical ImagingIncluded
✓ Organ TransplantsIncluded
✓ 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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ASPCA4.5 out of 511,678total reviews$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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PetPartners4.5 out of 5112total reviews$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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AKC4.4 out of 5891total reviews$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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Pets Best4.3 out of 512,013total reviews$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.
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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Figo4.2 out of 52,593total reviews$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.
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MetLife4.0 out of 5615total reviews$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 disease✕ Potential technical issues with the mobile appPlan 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!
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Plan Details...
Cost per month
$9.95 to $21.95 per month depending on whether you have cats or dogs and how many.
Coverage
Pet Assure is a savings plan that offers a 25% discount on all veterinarian treatment from participating practices for in house medical services and can be used alongside Pet Health Insurance.
Deductible
No Deductible
Age Limit
No age Limits
More: Pet Assure Pet Insurance Reviews
Why Our Users Picked It:
Learn more about Pet Assure’s discount plan and read customer reviews so you can make an informed choice about how you cover veterinarian care costs.
Pros & Cons:
✕Plan 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
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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Fetch Canada4.9 out of 5154total reviews$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 Canada Pet Insurance Reviews
Why Our Users Picked It:
Users like that they can obtain a policy that offers a 90% reimbursement rate. Some also mentioned Fetch’s friendly and helpful customer service.
Pros & Cons:
✕Plan 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 TypeAnnual
✓ 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.
✓ RehabilitationTreatments 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.
✓ 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 IngestionYes
✓ 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 DrugsAny 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.
✓ 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 ConditionsYes, but the only bilateral exclusion we have on our policies is on the knees.
✕ 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 CoverFetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
✓ 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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Furkin4.9 out of 5346total reviewsAs low as $100 annuallyAt least 7 weeks old to enrollPlan Details...
Cost per month
As low as $15.50 per month for cats and $17.28 per month for dogs. Furkin is currently waiving their $35 enrollment fee.
Coverage
Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S. All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.
Deductible
As low as $100 annually
Age Limit
Pets must be at least 7 weeks and under 14 years old to enroll. Once enrolled, coverage will continue for as long as the pet remains enrolled.
More: Furkin Pet Insurance Reviews
Why Our Users Picked It:
Some of the things users had to say about this company are “Exceptional customer service,” “Seamless sign up,” and “Best monthly price with lowest deductible.”
Pros & Cons:
✕Plan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitNo lifetime limits
✓ Deductible TypeOnce annual
✓ 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
Furkin Pet Insurance provides comprehensive accident and illness coverage for dogs and cats. Other than pre-existing conditions and routine/preventive care, we’re here to help you and your pet with just about all other unexpected accidents and illnesses. With Furkin, you also get sick visit exam fees, taxes, and 24/7 telehealth included, plus over $3,000 in additional pet owner support benefits each year.
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Trupanion Canada4.8 out of 525,877total reviews$0 – $1000 per conditionCan enroll pets from birthPlan Details...
Cost per month
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limit
All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.
More: Trupanion Canada Pet Insurance Reviews
Why Our Users Picked It:
Many users raved about Trupanion’s direct billing. They also will pay up to 90% of the bill, depending on the plan. Users also appreciate the excellent customer service.
Pros & Cons:
✕Plan Limits
✓ Per Condition LimitUnlimited
✓ Lifetime LimitUnlimited
✓ Deductible TypeCondition
✓ Direct PayWhat is Covered?
✓ Accident and InjuryUnlimited
✓ HospitalizationUnlimited
✓ RehabilitationUnlimited
✓ Continual Care✓ Emergency VisitsUnlimited
✓ SurgeryUnlimited
✓ Dental TraumaUnlimited
✓ Foreign Object Ingestion✓ Congenital or Hereditary ConditionsUnlimited
✓ Cancer TreatmentsUnlimited
✓ Dietary SupplementsUnlimited
✓ End of Life: Burial and CremationUnlimited - Covered with purchase of additional rider
✓ IllnessUnlimited
✓ SpecialistsUnlimited
✓ ProstheticsUnlimited
✓ End of Life: Euthanasia✓ Prescription DrugsUnlimited
✓ Outpatient CareUnlimited
✓ Bilateral ConditionsUnlimited
✓ Travel CoverageUnlimited - If travelling in US and Canada.
✕ Vet Exam Fees✓ Medical ImagingUnlimited
✓ Organ TransplantsUnlimited
✕ Wellness Cover✓ Lab TestsUnlimited
✓ Behavioral TreatmentsUnlimited - Covered with purchase of additional rider and if prescribed and performed by licensed veterinarian
Plan Summary
Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.
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Spot Canada4.8 out of 5147total reviews$100 - $300 annuallyAt least 8 weeks old to enrollPlan Details...
Cost per month
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.
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
Age-based annual deductible of $100, $150, $200, $250 or $300.
Age Limit
Dogs: 8 weeks through 10 years, 11 months Cats: 8 weeks through 12 years, 11 months Accident Only plan option can be offered regardless of upper age limits
More: Spot Canada Pet Insurance Reviews
Why Our Users Picked It:
Many users raved about how easy it is to get a quote from Spot. Quite a few people also mentioned friendly customer service and quick reimbursement payments.
Pros & Cons:
✕Plan Limits
✓ Per Condition Limit✓ Lifetime Limit✓ Deductible Type✕ Direct PayWhat is Covered?
✓ Accident and InjuryCovered up to the selected annual limit
✓ HospitalizationCovered up to the selected annual limit
✓ RehabilitationCovered up to the selected annual limit
✓ Continual CareCovered up to the selected annual limit
✓ Emergency VisitsCovered up to the selected annual limit
✓ SurgeryCovered up to the selected annual limit
✓ Dental TraumaCovered up to the selected annual limit
✓ Foreign Object IngestionCovered up to the selected annual limit
✓ Congenital or Hereditary ConditionsCovered up to the selected annual limit
✓ Cancer TreatmentsCovered up to the selected annual limit
✓ Dietary SupplementsCovered up to the selected annual limit
✓ End of Life: Burial and CremationCovered up to the selected annual limit
✓ IllnessCovered up to the selected annual limit
✓ SpecialistsCovered up to the selected annual limit
✓ ProstheticsCovered up to the selected annual limit
✓ End of Life: EuthanasiaCovered up to the selected annual limit
✓ Prescription DrugsCovered up to the selected annual limit
✓ Outpatient CareCovered up to the selected annual limit
✓ Bilateral ConditionsCovered up to the selected annual limit
✓ Travel CoverageCovered up to the selected annual limit
✓ Vet Exam FeesCovered up to the selected annual limit
✓ Medical ImagingCovered up to the selected annual limit
✓ Organ TransplantsCovered up to the selected annual limit
✓ Wellness CoverCovered up to the selected annual limit
✓ Lab TestsCovered up to the selected annual limit
✓ Behavioral TreatmentsCovered up to the selected annual limit
Plan Summary
Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage. This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
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PHI Direct4.5 out of 528total reviews$200 annuallyAt least 7 weeks old to enrollPlan Details...
Cost per month
As low as $10.19 per month for cats and $15.20 per month for Dogs
Coverage
PHI Direct will cover: Alternative Therapies Anesthesia & Surgery Applicable Taxes Behavioural Therapy Dental Tooth Fracture Diagnostics Emergency Care Euthanasia Exam Fees Hospitalization Imaging – CT Scans, MRI and X-Rays Medical Devices Medical Procedures Prescription Medications Referral and Specialist Fees Parasites
Deductible
$200 Annual Deductible
Age Limit
7 Weeks Must be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled
More: PHI Direct Pet Insurance Reviews
Why Our Users Picked It:
Users appreciate the quick and easy claims process. Many mentioned the great customer service and online support.
Pros & Cons:
✕Plan 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
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Pets Plus Us4.1 out of 5754total reviews$100 – $700 annuallyAt least 7 weeks old to enrollPlan Details...
Cost per month
Monthly costs vary based on your pet’s species, age, and location, as well as your chosen plan. Customize coverage to suit your pet’s needs and your budget.
Coverage
You have a co-pay of 10%, 20% or 30%. The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.
Deductible
$100 – $700 age-based annual deductible.
Age Limit
Pet must be at least 7 weeks old to enroll. There is no upper age limit.
More: Pets Plus Us Pet Insurance Reviews
Why Our Users Picked It:
Awesome customer service and prompt payments are just a couple of the reasons users are happy with this provider.
Pros & Cons:
✕Plan 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
What Does Dog Insurance Cover?
Dogs are our best friends and precious family members. So when they become ill or injured, we want to be able to get them the care they need. Dog insurance is a great way to help your pup while also sparing your own savings account.
But what exactly does dog insurance cover?
To answer that question, we’ve got to separate dog insurance plans into three categories:
Accident and Illness Plans
This is the most common type of dog insurance. An accident and illness plan covers the expenses associated with an accident or sudden illness. This means things like diagnostic tests, prescription medications, treatments, hospitalization, and surgeries will be covered under this plan.
Accident-Only Plans
Some people choose to go with an accident-only plan because they are usually cheaper than accident and illness plans. But remember, you get what you pay for. So while an accident-only plan will cover expenses related to an accident, they won’t cover the expenses associated with an illness, such as if your dog suddenly has an acute pancreatitis attack or your cat is diagnosed with cancer. Both acute (sudden) and chronic illnesses often require hospitalization, diagnostic testing and medications, so you may be looking at a bill for thousands of dollars. Just keep this in mind.
Wellness Plans
These types of dog insurance plans essentially cover preventative care. They do not, however, cover expenses related to accidents and illness. Many insurance providers will offer wellness plans as an add-on option to accident and illness insurance. There are a handful of companies that offer wellness plans as a standalone policy. Products and services covered under a wellness plan include:
- Yearly checkups
- Common vaccinations and vaccination titers
- Heartworm testing
- Heartworm, flea, and tick preventatives
- Fecal tests and deworming
- Routine laboratory tests
- Microchipping
- Routine spay/neuter surgeries
What’s Not Usually Covered by Dog Insurance?
When shopping for a dog insurance plan, pay close attention to what the policy does not cover. Here are some common exclusions:
Pre-existing Conditions
What are pre-existing conditions? These refer to any health issues your dog had before you signed up with a policy. Most insurance providers do NOT cover pre-existing conditions. Some companies do have exceptions for health problems that were “cured” in the past. They will consider covering these after 180 – 365 days, depending on the specific policy.
Curable conditions may include the following:
- Bladder infections
- Diarrhea
- Ear infections
- Gastrointestinal issues
- Respiratory infections
- Urinary tract infections
- Vomiting
Incurable pre-existing conditions are health issues that typically require ongoing treatment, medication and even surgery. Some examples include:
- Allergies
- Arthritis
- Cancer
- Diabetes
- Epilepsy
- Heart disease
- Hip dysplasia
- Hyperthyroidism
- Kidney disease
- Orthopedic conditions
- Any chronic condition
Hereditary or Congenital Conditions
Certain dog health issues are hereditary or present from birth. Examples include hip dysplasia and intervertebral disk disease. Some dog insurance policies exclude these conditions while others will cover them as long as symptoms were not present before enrollment.
Elective or Cosmetic Procedures
Those procedures such as cosmetic ear cropping or tail docking, that offer no health benefits to a dog, are typically excluded from coverage.
Breeding and Pregnancy
Most dog insurance plans exclude coverage for costs associated with breeding and pregnancy. Some do allow this coverage as an add-on.
How Does Dog Insurance Work?
Dog insurance works a bit differently than human insurance. Most plans work on a reimbursement basis. This simply means you pay the vet up front, then file a claim for reimbursement of eligible expenses. There are some dog insurance plans that pay vets directly so you’re only responsible for paying ineligible costs out of pocket.
When shopping for a dog insurance plan, you’ll want to pay close attention to the deductible, reimbursement percentage, and any annual limits. Most plans will allow you to choose what works best for your budget, so you can get a plan with an affordable monthly premium.
Like human insurance, your deductible must be met before the insurance company will issue any reimbursements. Once the deductible is met, the provider will issue payments based on the reimbursement percentage you selected, usually 65% to 90% of the costs.
It’s important to take all of this into consideration before selecting your policy. Many people focus solely on monthly premiums, but you really do get what you pay for. By choosing just a little higher of a monthly premium, you’ll find yourself needing to pay less of a deductible and receive a higher payout should an accident or illness occur. This can bring a lot of comfort and peace of mind during a very difficult time.
Waiting Periods
When someone enrolls their pup into a new dog insurance policy, there will be a waiting period before they can make any claims. These waiting periods help to prevent fraud because they make it impossible for someone to get coverage on a pre-existing condition or an accident that happened right before the policy was purchased.
Age Limits
Most dog insurance providers have put some kind of age restrictions in place. The majaority will require your pup to be at least six to eight weeks old before they are eligible to be insured. Some insurance companies have upper age limits to prevent enrollment of older pets. Many dog insurance providers on our list do NOT have any upper age restrictions, so even if you have a seniot dog, you can get excellent coverage.
Coverage
Dog insurance plans will cover all or most of the following:
- Accident and Injury
- Continual Care
- Dental Trauma
- Cancer Treatments
- Illness
- Bilateral Conditions
- Medical Imaging
- Lab Tests
- Hospitalization
- Emergency Visits
- Foreign Object Ingestion
- Dietary Supplements
- Specialists
- Prescription Drugs
- Organ Transplants
- Behavioral Treatments
- Rehabilitation
- Surgery
- Outpatient Care
What’s the Best Dog Insurance?
The best dog insurance for your pup will take many factors into consideration. There is no one-size-fits-all plan because the right one will offer your family the best coverage at the most reasonable price. This, of course, will vary depending on your dog’s breed, age, medical history and even your zip code.
To find the best dog insurance for your pup’s needs and your own budget it’s important to sit down and make a list of what matters most to you. This is where we encourage you to bring your veterinarian into the decision-making process. She can tell you what kinds of health issues your dog’s breed may be prone to. And believe it or not, certain breeds of dogs are more prone to accidents and trips to the emergency vet clinic (We’re talking to you Goldendoodles who tend to love eating socks!).
We know it can be overwhelming finding the best dog insurance for your fur baby. And that’s why we created this website! We use dog insurance reviews from real pet parents just like you to rank the best dog insurance policies on the market. So far we have over 150,000 reviews we use to rank the best providers. Based on our data, the following our the best dog insurance providers:
- Embrace – Best for Superior Benefits
- Spot – Best for Annual Coverage Choices
- Pumpkin – Best for Senior Dog and Senior Cat Coverage
- Figo – Best for Short Waiting Period for Accident Coverage
- Lemonade – Best price for Puppies and Kittens
- Trupanion – Best for Lowest Out-Of-Pocket Claims Costs
What’s the Best Senior Dog Insurance?
It can be incredibly difficult to watch our dogs age. Like humans, older dogs can experience many health issues such as arthritis, diabetes, and cancer. And of course, the more health issues your dog faces, the more vet bills you will be responsible for. Senior dog pet insurance is how many pup parents get their dog the care she needs without going into debt to do it. But how do you go about choosing the right pet insurance policy?
To start, we should mention that it is best to enroll your dog into an insurance plan as early as possible. When should you get pet insurance? Ideally before your pup starts to experience any health issues. Most pet insurance companies will not cover pre-existing conditions, so the earlier you purchase a policy the better.
How to Choose the Best Senior Dog Insurance
Go for Customizable Coverage
The best senior dog pet insurance will offer customizable coverage. This means you are able to choose a monthly premium that fits your budget while still getting the coverage your senior dog needs.
No Upper Age Limit
You’ll want to look for providers that have no upper age limit for enrollment. That means if you fall in love and adopt a 10-year-old senior Corgi from the local shelter, you’ll be able to insure her.
Go for an Unlimited Coverage Policy
Senior dogs tend to begin developing numerous health issues. You want a policy that will cover the most, not one that has a limit to how much they will cover each year.
Flexible Reimbursement Rates
Look for an insurance provider that offers a wide range of reimbursement rates. Some providers even have 100% reimbursement rates. This means once you reach your deductible, your vet bills will be fully reimbursed for the rest of the calendar year. Your monthly premium will be higher, but if you can afford it, a 100% reimbursement rate can be a lifesaver down the road, literally!
Look for Discounts
Senior dog pet insurance can be more expensive because older dogs are more likely to need veterinary care. Choose a provider that offers discounts to help offset your monthly premium fees. For instance, a company like Embrace offers several discounts. They provide a 15% discount for those who do not file a claim in 1 year. They will also reduce your annual deductible by $50 each year you do not file a claim.
How Much Does Senior Dog Insurance Cost?
There are a variety of factors that will influence your monthly premium. The biggest is the age of your pup. The older a dog gets, the more expensive it becomes to insure him. If you are enrolling an older dog for the first time, monthly premiums will most likely be higher than the average. For example, pulling some quick price quotes, an 11-year old medium-sized dog may cost around $100 a month to insure whereas a 3-year-old medium-sized dog may cost half that amount.
Breed is another factor that can influence monthly premiums. Certain breeds such as Boxers and German Shepherds are more prone to developing health conditions as they age.
And finally your zip code will affect the price of your monthly premium. If you and your fur baby live in a smaller, rural town you may pay less than if you both live in a large city.
The bottom line is, senior dog pet insurance will help you to pay for the costs of taking great care of your pup. And the providers on this list all offer excellent coverage.
Dog Insurance Costs – What are They Exactly?
Typically speaking, dog insurance costs more than cat insurance because dogs are usually larger, which makes them require more in the way of medications, sedation, supplies etc. during medical procedures. Since the costs are more, the insurance policies will reflect that.
Coverage premiums for a dog can range from $10 to $100 per month with average costs ranging between $30 and $50. There are a few factors that impact the premium you will pay, namely your dog’s breed, age, health history and your zip code. You will pay more for an older dog than you will a puppy simply because older dogs are more likely to face significant health issues requiring medical care. This is why it’s always a good idea to enroll your pup into a plan as early as possible so you can lock in a lower rate.
Most insurers offer accident & illness and accident only policies. Many will also offer add-ons to the plans that cover the cost of routine care, dental care, and preventative treatments and medications. Some plans pay vets directly but most will reimburse you.
How Does Breed Affect Dog Insurance Costs?
As we mentioned, premiums are significantly impacted by the breed of dog being covered. This is because there are certain dog breeds that carry a higher likelihood of developing health issues. Then there are those breeds that have less of a chance of developing health issues. These breeds usually carry lower insurance premiums.
The breeds that cost the least amount to insure, according to an analysis by LendEDU, are the:
- English Springer Spaniel
- Miniature Yorkshire Terrier
- Goldendoodle
Their data showed that the monthly premiums for these particular breeds range from $34 to $40 per month.
How to Save on Dog Insurance Costs
Many pup parents don’t realize there are ways to save on a great pet insurance policy. Here are a few:
Comparison Shop
You’ll want to take a bit of time to look at a short list of providers to see who offers the best policy. We make it incredibly easy to conduct a side-by-side comparison of multiple pet health insurers.
Be sure to read ALL of the fine print and understand everything before enrolling. If you have questions, pick up the phone and speak with a rep.
Go for a Higher Deductible
As with human insurance, your choice of deductible will impact what you pay each month. Choosing between, say, a $300 deductible and a $750 deductible can significantly decrease how much you pay in premiums each month. Choosing a lower reimbursement rate will also bring down your monthly premium. But consider how nice it will be to have 90% of your vet bill taken care of by your insurance provider instead of just 65%.
Multi-Pet Discounts
Have more than one pet? Get them all enrolled into the same company and save big on costs. Ask prospective providers if they offer multi-pet discounts. Many do and you can save 10% – 15% a month.
What is Dog Dental Insurance?
Sadly, dental disease is very common in dogs. If left untreated, dental disease can lead to more serious medical conditions such as heart, liver, and kidney disease.
While there are things you can do at home to help protect your pup’s teeth and gums, such as daily brushing, your dog will also require professional cleanings at the vet’s office. These can be quite costly, which is why dog dental insurance can be a great idea.
Do I Really Need Dog Dental Insurance?
The short answer is, most likely yes. Having an insurance plan that includes dental exams and cleanings can help you protect your dog’s health while also protecting your wallet from sudden expensive surprises.
Routine cleanings require your dog to go under general anesthesia. This is so your vet can thoroughly examine your pet’s mouth for any signs of gum disease and tooth decay. These cleanings