Tuesday, June 18, 2024

While many pet insurance companies exclude some conditions and treatments, the best ones offer reasonable coverage limits, flexible deductibles and reimbursement rates, and short waiting periods. The best pet insurance plans also don’t include labyrinthine exclusions for things like hip dysplasia.

Healthy Paws keeps the options simple by offering one standard accident and illness policy, but it includes things that are extra or excluded at other insurers, such as alternative therapies and prescription medications. It also has no annual or lifetime payout caps.

Pets Best

Pets Best is a top-rated pet insurance company that provides comprehensive coverage. It offers multiple plans that can be customized to fit your budget, with different deductible and reimbursement options available. The company also offers add-ons to cover specific routine care costs, such as acupuncture and hydrotherapy. It is one of the few providers to offer physical therapy, and it has a supplemental plan that covers more than 10 types of physical therapies. It is also a top choice for older pets.

Founded in the 1970s, Pets Best was established by Dr. Jack Stephens, who saw firsthand the effect of unexpected veterinary bills on pet owners. He decided to make a difference, and his company has grown to be the largest pet insurance provider in the US. The company is also accredited by the Better Business Bureau, and its customer reviews are rated as “great” on TrustPilot.

Although Pets Best doesn’t cover pre-existing conditions, it has a flexible coverage system that allows you to modify your annual limit, deductible and reimbursement percentage as your needs change. You can also choose a premium option based on your pet’s age, breed, and location. You can save money on premiums by submitting your claims online or using the mobile app, and you can get discounts for paying in full, having more than one pet, serving in the military, or being a senior.

You can enroll your pet in a Pets Best policy as early as seven weeks of age. The company has a short three-day waiting period for accidents and a 14-day waiting period for illnesses. Its policies also don’t have any age limitations, making them a good option for seniors and pets with chronic diseases like diabetes or arthritis.

Prudent Pet

If you’re looking for a best pet insurance that will cover your dog or cat’s medical needs and help you with the costs of unexpected illnesses and injuries, Prudent Pet may be the right choice for you. It offers three plans and wellness coverage add-ons, so you can choose a plan that fits your budget and your pet’s health needs.

The company’s cheapest plan, the Accident-Only plan, has a $10,000 annual limit for treatments, procedures, surgeries, and specialized care related to accidents such as bite wounds, teeth injuries, swallowed objects, or broken bones. The Essential plan covers a more extensive range of medical issues, including cancer, hip dysplasia, hereditary conditions, skin diseases, and behavioral disorders. Both plans include a $500 deductible and an annual maximum payout limit of $250,000.

Prudent Pet doesn’t require pets to undergo a physical exam before enrolling, but it does have a six-month waiting period for cruciate ligaments or joint disorders. It also doesn’t cover veterinary exams without an additional rider, and it can take up to 30 days to reimburse claims.

Prudent Pet was founded in 2018 and is a newcomer to the pet insurance industry. It is licensed in all 50 states and offers a wide range of coverage options and deductibles. Its policies are underwritten by Markel, a specialty insurer. Its Ultimate policy includes extra benefits, such as advertising and reward money for lost or stolen dogs or cats, boarding fees if the owner is hospitalized, and vacation cancellation coverage. Its customer service department is available around the clock. The company also has a referral program, and it donates to Best Friends Animal Society.


Founded in 2019, Spot is an insuretech with a digital-first mindset that offers extensive pet insurance plan options for cats and dogs. The company has partnered with dog trainer Cesar Millan to help educate pet owners about the benefits of pet insurance. Its goal is to reduce difficult decision-making when it comes to caring for pets, helping them live longer, healthier lives.

Spot provides a range of options for its pet owners, including pet health care add-ons and a 24/7 vet support line. Its comprehensive plans include unlimited annual coverage limits and a choice of reimbursement rates. Spot’s policies also cover hereditary and congenital conditions and behavioral issues. In addition, its accident and illness policy includes exam fees. Its veterinary network is nationwide, and it covers alternative treatment methods such as acupuncture, hydrotherapy, low-level laser therapy, and chiropractic care. The company also reimburses for microchip implantation and selected dietary supplements.

Its wellness add-ons, Gold and Platinum, offer partial reimbursement for routine care expenses like dental cleanings and vaccinations. Each plan is available in a range of monthly price points and coverage levels. The Gold plan includes up to $250 per year in total per-item limits, while the Platinum plan has a higher limit.

Spot is a great option for pet parents looking for flexible and personalized pet insurance. Its customizable options and no age limit for enrolment make it easy to find the right plan for your family’s needs. In addition, its coverage options are affordable. However, it does not cover grooming, boarding, elective procedures, cosmetic surgery, anal gland expression, and herbal products.


Established in 2020, Pumpkin is one of the newer entrants to the pet insurance sector. It offers a comprehensive accident and illness policy for both cats and dogs, as well as a preventative plan that covers annual wellness care. The company is backed by the United States Fire Insurance Company and administered by Crum & Forster (C&F) Pet Insurance Agency, Inc. Both have an A rating from AM Best. Pumpkin offers a 14-day waiting period for accidents and illnesses, which is shorter than many competitors.

The company’s plans cover a wide range of conditions, including cancer, skin disorders, respiratory infections, UTIs, and broken bones. In addition, they cover alternative therapies and medications, such as acupuncture and stem cell therapy. However, the company does not cover elective procedures, such as tail docking and spaying or neutering. The company also does not offer a mobile app, and customers must manage their policies through the website or call customer service.

While Pumpkin does not offer the full spectrum of coverage available from other pet insurers, it is still a good option for those looking for a comprehensive accident and illness policy. They also have a good record of paying claims quickly, and their customer service representatives are knowledgeable about the different plans and coverage options available.

The cost of caring for pets can be expensive, and pet owners need to plan for the unexpected. With pet insurance, they can save money on veterinary expenses and help their pets live happy, healthy lives now and fur-ever.


Trupanion is one of the top pet insurance providers in North America and offers best-in-class coverage. The company has paid out $2 billion in claims to date. It has an A+ rating with the Better Business Bureau and pays out more per claim than the industry average. It also offers a 30 day free trial, which is sometimes called a money back guarantee or cooling off period, in eligible states. This is especially useful for new pets or those adopted from shelters, where there’s a chance they may be suffering from pre-existing conditions.

Unlike ASPCA, Lemonade, and Embrace, Trupanion does not limit how much it will pay out per year or by condition. This means that it’s a more “one size fits all” approach to its policies, but it’s worth considering for pet parents with specific budgets and needs. Like Embrace, Trupanion does require a 5-day waiting period for accidents and 30-day wait for illnesses, but unlike the other companies in this review, it waives these rules for pets with Exam Day Offers from participating vets, breeders, or adoption agencies.

Another thing that makes Trupanion stand out is their direct payment software, which allows the company to pay veterinarians directly for eligible claims, rather than pet owners having to pay out of pocket first and then waiting to be reimbursed. This saves time and money for pet owners and can be very helpful if your pet has a medical emergency.

This company only has one insurance plan for dogs and cats, but it does include hereditary, congenital, and unexpected illness and accident coverage. It also includes alternative treatments, dental illness coverage, and prosthetic devices. While many insurers limit the amount they will pay for hereditary conditions, Trupanion offers unlimited coverage for these conditions. It also has no payout limits, so you can rest easy knowing the company will pay for your pet’s healthcare costs, even if they are very expensive.


After thorough research, we have compiled a list of the best pet insurance companies for dogs and cats. These companies were chosen based on their coverage options, customer reviews, and affordability.

  1. Healthy Paws – Offers comprehensive coverage with no caps or limits on payouts. Customer service is highly rated and claims are processed quickly.
  2. Petplan – Offers customizable plans and comprehensive coverage with no payout caps or limits. Customer service is highly rated and claims are processed quickly.
  3. Trupanion – Offers a simple, customizable plan with no payout caps or limits. Claims are processed quickly and customer service is highly rated.
  4. Nationwide – Offers comprehensive coverage with a range of plans to choose from. Customer service is highly rated and claims are processed quickly.
  5. Embrace – Offers customizable plans with a range of coverage options. Customer service is highly rated and claims are processed quickly.
  6. ASPCA – Offers comprehensive coverage with a range of plans to choose from. Customer service is highly rated and claims are processed quickly.
  7. Figo – Offers customizable plans with a range of coverage options. Customer service is highly rated and claims are processed quickly.
  8. Pets Best – Offers customizable plans with a range of coverage options. Customer service is highly rated and claims are processed quickly.
  9. Lemonade – Offers simple, customizable plans with a range of coverage options. Customer service is highly rated and claims are processed quickly.
  10. AKC Pet Insurance – Offers comprehensive coverage with a range of plans to choose from. Customer service is highly rated and claims are processed quickly.

Frequently Asked Questions:

  1. What does pet insurance cover?

Pet insurance typically covers accidents, illnesses, and routine care. Some plans may also cover alternative therapies and prescription medications.

  1. Is pet insurance worth it?

Pet insurance can be worth it for pet owners who want to ensure that their pets receive the best possible medical care without breaking the bank. The cost of pet insurance is generally less expensive than paying for unexpected veterinary bills out of pocket.

  1. How much does pet insurance cost?

The cost of pet insurance varies depending on factors like the pet’s age, breed, and overall health, as well as the coverage options selected. On average, pet insurance plans can cost anywhere from $20 to $50 per month.

  1. How do I choose the right pet insurance plan?

When choosing a pet insurance plan, it’s important to consider factors like coverage options, customer reviews, and affordability. Look for plans that offer comprehensive coverage, have a good reputation among customers, and fit within your budget.


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