Animalia Pet Insurance Review: Pros, Cons, Coverage, vs Healthy Paws, vs Trupanion, & More
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Animalia is a pet insurance company with years of experience in Israel’s marketplace. In 2022, Animalia Pet Insurance began selling policies in the United States. Animalia is bringing many innovative features to the U.S. pet insurance market, making it stand out from competitors. I’ll teach you more about the company and point out some of Animalia’s key selling points.
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Animalia Overall Rating
Animalia Pet Insurance Review
Summary
Animalia is a newcomer to the pet insurance industry. It is available in 44 states and Washington DC and offers unique coverage for prescription food, dietary supplements, and ambulance services.
Pros
- No lifetime limits on any plan
- Discounts available for multi-pets
- Electronic claim filing
- Covers the exam fees for accidents and illnesses
- Covers virtual vet visits, prescription food, and dietary supplements
- Shorter than average waiting period periods (5 days for illnesses, accidents, and hip dysplasia)
- Up to $100 covered for ground pet ambulance transportation, something I haven’t seen from any other insurer in this industry
Cons
- Pets aren’t eligible for enrollment after 15th birthday
- No optional wellness plan
- Additional cost for dental coverage
- 30 day waiting period for cancer coverage
- Only available in 44 states
- Not covered when traveling with your pet outside of the U.S.
Key Features
- Underwriter: State National Insurance Company
- A.M. Best rating (a measure of financial stability): A
- Covers curable pre-existing conditions that show no symptoms for 12 months (e.g., ear infections, urinary tract infections, etc.)
- No exam is required at enrollment
- No bilateral exclusions (a condition or disease that affects both sides of the body)
- Claims process:
- Must submit claims within 90 days of the expiration of the policy period
- Animalia will notify you in writing whether the claim is accepted or rejected within 15 business days after your claim is received
- 95% of claims are reimbursed in less than one week
- Submit claims via phone, email, and online portal
Where Is Animalia Pet Insurance Available? (Map)
Animalia isn’t available in all 50 states. However, I had the opportunity to speak with members of Animalia’s team, including the CEO, Yoni Kiehl, and CMO, Noa Lifshitz, who informed me why this was the case. U.S. states have different requirements for insurance products and use various definitions for standard pet insurance terms like pre-existing conditions. Because of this, Animalia has chosen to only offer pet insurance in states where they can provide the same comprehensive coverage across the board.
Customer Service Options
- Phone: 1-888-719-4629
- Email: info@animalia.pet
- Live chat
- FAQ
What Are Animalia’s Waiting Periods*?
- Illnesses: 5 days
- Accidents: 5 days
- Cruciate Ligament: 6 months (can be reduced to 5 days if a vet examines the dog within 30 days of policy purchase and finds no knee and hip issues)
- Hip Dysplasia: 5 days
- Cancer: 30 days
*States are gradually adopting a Model Law for pet insurance, aiming to standardize regulations, including uniform waiting periods. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, waiting periods are:
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
What Does Animalia Cover?
Please know that none of the providers in our pet insurance comparison cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, and prescription medications. However, this coverage may have limitations, so please review your policy carefully.
| Condition | Covered By Animalia |
|---|---|
| Behavioral Therapies* |  |
| Alternative/Holistic Therapies | |
| Accident & Illness Exam Fees | |
| Rehabilitative, Acupuncture & Chiropractic Coverage | |
| Prescription Food & Dietary Supplements | |
| Wellness Care | |
| Ambulance Services** | |
**Up to $100 for emergency ground pet ambulance transportation
Optional Coverage: Dental
Animalia’s basic policy includes orthodontics treatment. However, you can add comprehensive dental care to your pet insurance for a monthly fee in addition to your premium. This add-on covers root canals, crowns, extractions, orthodontic, endodontic, periodontal, and anything deemed medically necessary by your vet regarding dental care.
How Is Animalia’s Pricing Determined?
Animalia has no one-time fees or transaction fees. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below.
| Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|
| $200 $350 $500 | $5,000 $10,000 $25,000 | 70% 80% 90% |
Pricing is also based on your pet’s details (age, breed, location, etc.). I recommend obtaining quotes from Animalia for your specific pet to get an idea of how much a policy would cost you.
You can also use our pet insurance quote form below to see how top providers compare for your actual pet.
Does Animalia Have Any Discounts?
Animalia offers the following discounts:
- Multiple pets enrolled
Use this link to take advantage of the best possible price. No promo code is needed.
How Does Animalia Reimbursement Work?
Animalia uses a “deductible then copay” reimbursement method. This is calculated in the following way:
- Actual vet bill amount – Remaining annual deductible – Copay = Reimbursement amount
So in the example below, the reimbursement is calculated the following way:
- $4,800 (vet bill) – $500 (remaining deductible) – $860 (copay) = $3,440 (reimbursed amount)
Frequently Asked Questions
Here are some frequently asked questions regarding Animalia pet insurance from our readers.
Does Animalia Need My Pet’s Health Records?
Yes, giving Animalia access to your pet’s medical history allows them to determine any pre-existing conditions and communicate with your vet. It will also help speed up the claim approval process.
How Do I Cancel Animalia Pet Insurance?
You can cancel your policy anytime by notifying Animalia in writing via their live chat on their website or by emailing them at info@animalia.pet. You may receive a pro-rated refund of your premium as well.
If you’d like a replacement for your Animalia insurance policy, take a look at our pet insurance reviews to see which pet insurance companies I recommend.
Animalia vs Other Companies
Interested in seeing how Animalia stacks up against other popular pet insurance companies? We’ve compiled a comparison table including Healthy Paws and Trupanion, two of the most commonly searched companies, compared against Animalia.
| Healthy Paws | Animalia | Trupanion | |
|---|---|---|---|
| Deductible Type | Annual | Annual | Per Condition |
| No Payout Caps On Any Plans | | | |
| Behavioral Therapy Coverage | | | |
| Coverage For Accident/Illness Exam Fees | | ||
| Ambulance Transportation Coverage | | ||
| Enrollment Ages | 8 Weeks – 14 Years | 2 Months – 15 Years | 0 – 14 Years |
| Prescription Food & Dietary Supplements Coverage | | | |
| Extra Waiting Period For Cancer | | ||
| Extra Waiting Period For Hip Dysplasia | | ||
| No Bilateral Exclusions | | ||
| Covers Curable Pre-Existing Conditions | | |
Our Final Verdict On Animalia
Get Animalia Quote | Compare Quotes
Animalia offers unique coverage, including ambulance transportation, prescription foods, and dietary supplements. It’s a newer company in the U.S. marketplace, but its experience in Israel is encouraging. Find out how Animalia Pet Insurance compares against other top pet insurance providers in our pet insurance reviews article.
Methodology
My team and I conduct extensive research on the most reputable pet insurance companies, analyzing customer feedback, policy changes, and industry trends. Our licensed insurance agent fact-checks everything, and we update our reviews year-round as insurers adjust premiums, coverage, exclusions, and customer service.
We rank each U.S. pet insurance provider using a 100-point scale, ensuring an unbiased breakdown of how companies perform in real-world claims.
Our Ranking Criteria
- Coverage & Exclusions (30%) – We analyze policies, exclusions, and age restrictions, rewarding companies with fewer coverage limitations.
- Pricing (15%) – We run thousands of sample quotes and factor in extra fees, discounts, and add-ons.
- Customer Service & Reputation (12%) – We review hundreds of customer experiences, assess the sign-up process, and evaluate claim support.
- Financial Strength (10%) – We examine A.M. Best & Demotech ratings to ensure companies can pay claims reliably.
- Customization Options (10%) – Providers with more deductible, reimbursement, and payout flexibility rank higher.
- Waiting Periods (5%) – Shorter illness & accident waiting periods result in a better score.
- Claim Processing (5%) – Companies offering fast reimbursements and direct vet pay score higher.
- Innovation (3%) – We recognize unique offerings and advanced technology in the industry.
Unbiased Pet Insurance Rankings: Putting Pets First
Unlike many review sites, we don’t sell rankings—every provider earns its spot based on real performance. Our in-depth comparisons help pet parents make informed decisions, while insurers use our reviews to improve their policies. We only recommend the best because that’s what our readers deserve.
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to author for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her extensive list of resources.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise, to ensure accuracy, and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
