Best Pet Insurance Companies of 2024

Protect Your
Furry Friend with Pet Insurance

Compare top pet insurance providers & plans.
Get quotes and coverage today

Has your pet ever been diagnosed with or shown symptoms of Diabetes, Cushing's Disease, or FeLV/FIV?
lbs

Real pet insurance reviews from real pet owners

Read what other pet parents are saying about pet healthcare providers like ASPCA, Healthy Paws, Lemonade, Trupanion, and more.

hand swipe
5

out of 5

Best decision ever

MetLife

Susan Rothwell | 05/21/2024

4

out of 5

Timely refund

Pets Plus Us

sean Simpson | 05/20/2024

5

out of 5

Easy, Affordable, and Clear

Lemonade

Rio Jones | 05/19/2024

5

out of 5

Healthy Paws - SImply fantastic

Healthy Paws

Gary Bancroft | 05/19/2024

5

out of 5

Archie was well taken care of!

Pets Best

Daniel Burdak | 05/17/2024

5

out of 5

Happy I have insurance with this girl!

MetLife

Colleen Turay | 05/17/2024

Access to more pet insurance providers

Side by side chart comparison of multiple pet insurance providers at once

hand swipe

PetInsuranceReview US Providers

  • PetInsuranceReviewUS Insurers
  • PetInsuranceReviewCanadian Providers

See the best pet insurance providers

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.9
    14,190
    $100 – $1,000 annually
    At least 6 weeks old to enroll
    Plan 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.

  • 4.9
    7,476
    $250, $500 or $750 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.9
    60,285
    $0 to $1,000 per condition
    Can enroll pets from birth
    Plan 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

  • 4.9
    2,010
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    Plan 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.

  • 4.9
    782
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.8
    21,391
    $0 to $1,000 annually
    No age restriction to enroll
    Plan 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.

  • 4.8
    124
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.7
    11,399
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.7
    5,211
    $100, $250, $500, $750 or $1000 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.7
    164
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.7
    110
    $100 – $1,000 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.6
    489
    $50 to $500 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.5
    7,195
    $50 – $1,000 annually
    At least 7 weeks old to enroll
    Plan 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.

  • 4.4
    2,563
    $100, $250, $500, $750, $1,000 or $1,500 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.4
    889
    $100 – $1,000 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 4.3
    1,151
    $100, $250, $500 or $1000 annually
    At least 8 weeks old to enroll
    Plan 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.

  • 3.2
    2,147
    $0, $100, $250, $500, and $750 annually
    At least 8 weeks old to enroll
    Plan 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.

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.9
    149
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    Plan 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.

  • 4.9
    342
    As low as $100 annually
    At least 7 weeks old to enroll
    Plan 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.

  • 4.8
    25,870
    $0 – $1000 per condition
    Can enroll pets from birth
    Plan 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.

  • 4.8
    25
    $200 annually
    At least 7 weeks old to enroll
    Plan 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

  • 4.8
    147
    $100 - $300 annually
    At least 8 weeks old to enroll
    Plan 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

  • 4.1
    689
    $100 – $700 annually
    At least 7 weeks old to enroll
    Plan 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.

Best Pet Insurance Companies of May 2024

We’re often asked what is the best way to choose a pet insurance company. Well, there are a couple of ways to go. You can either start by asking yourself some questions. What type of coverage do you need? Do you want a plan that covers accidents only, or do you want a plan that covers accidents and illnesses? Do you want a plan that includes wellness care? You can also do some research to see what each insurance provider offers. If we’re honest, this route will take you a lot of time and energy.

The much easier way to choose a pet insurance plan is to use our website. We rank the best pet insurance companies by sifting through over 150,000 honest reviews from pet parents just like you. According to our most recent findings, the following are the best pet insurance companies of May 2024:

Read more Read less

Pet Care & Wellness

Learn about the best pet care and wellness tips for your furry family members

hand swipe

FAQ

The important answers to help you make an informed decision

Skin Conditions: up to $4k Ear Infection: up to $800 Allergic Reactions: up to $3k Urinary Tract Infection: up to $6k Limping: up to $20k Growth Lumps/Cancer: up to $15k Kidney Disease: up to $3.5k Diabetes:
up to $2k
Stomach Issues:
up to $6.5k
Urinary Tract Infection:
up to $6k
Dog and Cat

Mouse-over the blue dots to see more information.

What does pet insurance cover?

Pet insurance is an investment in your furry friend’s health. Pet insurance will protect your family from financial disaster if something happens to your pet.

Pet insurance is similar to human health insurance and varies between providers, plan options, and coverage.

This is why it is important to do research to find the best coverage for you.Pet insurance plans cover veterinary care defined by the policy. The most comprehensive plans will cover routine pet care throughout your pet’s life such as teeth cleaning, vaccinations, and check-ups. Some plans only cover specific things such as unexpected emergencies like illness or injury.

How does pet insurance work?
Pet insurance varies by insurance provider and coverage selections.
In summary, this is how pet insurance works.

  • Compare and find the best plan for you and your pet.
  • Once you have selected your policy, you personalize your pet insurance plan by selecting your deductible, co-pay, or reimbursement percentage options.
  • You pay the annual or monthly premiums and stay up to date with all the routine care and vaccines for your cat or dog.
  • Should your pet become ill or injured, you can visit a licensed veterinarian for treatment.
  • After seeking pet care, you submit a claim to your insurance company and will be reimbursed for treatment covered by your policy.
  • Get reimbursed by your insurance provider up to 100% of the claim depending on the pet insurance plan you choose.
Read full article
What is the best pet insurance?

The best policy is the one that is right for you based on you. Everyone’s budgets, needs, breed risks, and lifestyles vary. This is why it’s so important to compare pet health insurance plans before committing to an insurance company.

Choosing the best plan isn’t about finding the cheapest option. It’s all about finding the coverage that best meets your needs and budget without sacrificing your pet’s health. Pet insurance and customized wellness coverage ensure the best possible veterinary care throughout your pet’s life.

Is Pet Insurance Worth It?

Having pet insurance is a great idea if you don’t want to pay large sums of money if your dog becomes sick or injured. But is having pet insurance worth it? How much does pet insurance cost?Before you purchase any of the pet health insurance plans, ask yourself the following questions:

  • Do I have enough savings to pay upfront if my pet ends up needing emergency treatment?
  • Does my state allow me to get reimbursed in case something happens to my pet when he’s away from home?
  • What is the coverage level of this provider (80% – 100%)?
  • Is it a good deal compared to other providers?
  • Does my pet have ongoing health issues that will require treatment in the future?
  • levels, which means no reimbursement if my pet is sick?

Ask yourself these questions to see if pet insurance is worth it. You can also explore the point of view of veterinarians. Talk to your vet, ask them about it!

Veterinarians, pet parents, and of course us, always recommend getting pet insurance.

Read full article
Pet Insurance Cost: How much is Pet Insurance, Is it affordable?

Pet insurance cost is based on your:

  • Pet’s age (older pets are usually more expensive)
  • Pet’s Breed (there are breeds that are prone to issues, due to hereditary diseases)
  • Location (if you live in a city where there is a high crime rate,
  • you will need to pay more than if you live in an area with low-crime or
  • in an affluent neighborhood).

An example is that a 10-year-old dog named Lola is spayed and is living in Houston, Texas. She is insured by Healthy Paws. The average monthly premium is $223.

The average cost of pet insurance varies from $15 to $200 per month. Dog insurance is a bit more expensive than cat insurance. But in general, the higher-priced plans have a higher deductible and will pay for more treatments before you pay anything out of pocket. The less expensive ones are not as comprehensive, and they are only meant to cover accidents.

What is Pet Insurance Review?
We are an affiliate site that allows users to browse, compare and read reviews from the top pet insurance providers. We are in no way, a pet insurance provider, only an independent intermediary.
What makes Pet Insurance Review Unique?

Pet Insurance Review is built on thousands of independent reviews from pet parents just like you. All of the ratings and reviews are completely unfiltered and 100% real, so you can be sure that your research and comparison will be accurate.

We work with the top insurance companies and we are licensed in all 52 states in the US and even in Canada. No matter where you are, we’ve got you covered.

Our Free personalized quote tool, finds and suggests plans that fit your needs at different budgets, once you like one, you connect directly to the providers official website to finalize the purchase.

If Pet Insurance Review Doesn't Sell Insurance, How does it make money?

We get a fee from the provider when we assist you in purchasing a policy for your pet.

The commission we get is the same no matter which plan or provider you choose, we are completely unbiased and independent from all providers.

You don’t pay anything and the cost of the plan is unaffected, you can rest safe knowing you are getting the best price, for the best plan.

We give back to animals

Pet Insurance Review gives back. A portion of proceeds is donated to animal charities and rescues across the U.S. and Canada.

Follow Us

Get a quote today

Leave a review