Best Pet Insurance In 2022: For Dogs, Cats, Puppies, Multiple Pets, Value, Preventative Care, & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Did you know the average cost of unexpected veterinary care for dogs and cats is between $800 and $1,500? However, only 41% of Americans could cover an unexpected $1,000 expense with their savings, while 37% would need to use a credit card, take out a personal loan, or borrow from a friend or family member. Learn more in our veterinarian visit costs comparison lists of common expenses and vet prices.

There are many unknowns in owning a pet. Will Fido be diagnosed with a chronic condition? Will he tear his ACL during one of your games of fetch? Will he develop an appetite for eating shoes, wood chips, and other foreign objects? All of these can result in unplanned trips to the vet, which means unexpected costs for you.

This is where pet insurance can ease your mind. Instead of facing hundreds or thousands of dollars in vet bills, you can focus on the health of your pet.

To help you select the best pet insurance for your pet, we rank companies based on policy coverage, customer service and reputation, timeliness of claim payment, policy price, plan customization, and what companies excel in. Below are our experts’ top picks by category.

Best Overall: Pets Best

Pets Best logoVisit WebsiteCompare Rates
Policy CoverageExcludes bilateral conditions, alternative/holistic therapies
Customer Service & ReputationMultiple customer support options, unrated by A.M. Best
Claim ProcessingCurrently averages 10-30 days via direct deposit or check
Policy Price$2/month transaction fee, lower pricing on average
Plan CustomizationFully customizable plans, optional wellness plans

How Did Pets Best Win Best Overall?

  1. True Emergency-Only Option – Pets Best offers an “Accident-Only Plan” to cover you in case of emergencies, but it doesn’t include exam fees or specialty treatments. This plan has a $10,000 annual limit with a $250 deductible and 90% reimbursement, making it one of the least expensive pet insurance options.
  2. Low Pricing – Pets Best was consistently among the least expensive pet insurance companies when we ran quotes.
  3. Customizable Plans Tailored To What You Want – You choose what coverage you want to pay for instead of paying more for stuff you don’t want, including exam fees and wellness care.
  4. No Upper Age Limits – Offers coverage no matter how old your dog is.

Coupon Code

Pets Best offers two discounts that you may be eligible for when you use this link:

  • 5% multi-pet discount
  • 5% discount for military members and their families

You can also visit our dedicated Pets Best promotions page.

Full Review Of Pets Best

Best Value: Figo

FIGO logo smallVisit WebsiteCompare Rates
Policy CoverageExtra fee for exam fee coverage, excludes bilateral conditions
Customer Service & ReputationMultiple customer support options, A.M. Best rating: A-
Claim ProcessingAverages 3 days via direct deposit or check
Policy Price$2/month transaction fee, $15 one-time fee, lowest prices on average
Plan CustomizationFully customizable plans, optional wellness plans

What’s Unique About Figo?

  1. 100% Reimbursement Available – Figo is one of the few pet insurance companies to offer 100% reimbursement for claims. If you want your full claims covered, Figo may be the company for you.
  2. Low Pricing – Figo was consistently among the least expensive pet insurance companies when we ran quotes.
  3. Diminishing Deductible – Each year a policyholder is claim-free, the deductible decreases by $50 until it is $0.
  4. No Upper Age Limits – Whether your dog is 6 months old or 10 years old, Figo can offer pet insurance coverage for you.

Coupon Code

Our readers have access to an exclusive 5% off a new Figo pet insurance policy – just use this link to get started. You can also visit our dedicated Figo promotions page.

Full Review Of Figo

Fastest Claim Processing: Healthy Paws

Healthy Paws logoVisit WebsiteCompare Rates
Policy CoverageExcludes more than competitors, has age restrictions
Customer Service & ReputationFewer customer support options than competitors, A.M. Best rating: A++
Claim ProcessingAverages 2 days via direct deposit or check
Policy Price$25 one-time fee, price quotes vary immensely
Plan CustomizationUnlimited payouts for all plans, no optional wellness plan

Why Healthy Paws Is Worth Considering

  1. No Payout Limits – Healthy Paws offers unlimited annual payouts for all plans and has no limits per incident, lifetime, or otherwise. While this will help you in your time of greatest need, it may increase your premium price.
  2. Top-Notch Customer Service – Healthy Paws has some of the best customer service reviews in the business.
  3. Quality Reputation – Founded in 2009, Healthy Paws has been consistent in its offerings and hasn’t undergone significant turbulence with underwriter changes or price fluctuations.
  4. Fast Reimbursement – The average claim processing takes 2 days, among the fastest in the industry.

Coupon Code

Use this link to receive the best price we can offer you and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page.

Full Review Of Healthy Paws

Best Discount For Multiple Pets: Embrace

Embrace logoVisit WebsiteCompare Rates
Policy CoverageExcludes bilateral conditions, exclusions if enrolled after 14
Customer Service & ReputationFewer customer support options than competitors, A.M. Best rating: A+
Claim ProcessingAverages 5 days via direct deposit or check
Policy Price$1/month transaction fee, $25 one-time fee, higher prices on average
Plan CustomizationFully customizable plans, optional wellness plans

Why Would I Choose Embrace?

  1. Extensive Plans – Embrace has very few exclusions compared to other pet insurance companies.
  2. Speedy Claim Processing – More than 50% of Embrace’s claims are processed in 5 days or less.
  3. Healthy Pet Deductible – Annual deductible decreases $50 each year you don’t receive an accident or illness claim reimbursement.
  4. Dental Coverage – Embrace offers up to $1,000 per year for dental illness coverage.

Coupon Code

Embrace offers a few different discounts:

  • If you have multiple pets, each one gets 10% off (5% in NY).
  • Pay annually and get 5% off in NY.
  • USAA customers may be eligible for a discount of up to 15% off.

No discount code is needed – click here to take advantage of these offers. You can also visit our dedicated Embrace promotions page.

Full Review Of Embrace

Best Newcomer: Lemonade

Lemonade logoVisit WebsiteCompare Rates
Policy CoverageExcludes much more than competitors, has breed and age restrictions
Customer Service & ReputationFewer customer support options than competitors, unrated by A.M. Best
Claim ProcessingAverages 2 days via direct deposit or check, AI-driven claims process
Policy PriceConsistently among the lowest price quotes
Plan CustomizationFewer deductible options than competitors, no unlimited payouts, optional wellness plans

Why Is Lemonade Making A Splash?

  1. Lowest Prices – It’s hard to find a less expensive plan than Lemonade with a comparable deductible, reimbursement, and payout limit.
  2. AI-Driven Claims – Lemonade’s Artificial Intelligence (AI) speeds up the reimbursement process. The majority of claims are processed within 2 days, and the money is direct deposited into your account.
  3. Bundles Other Policies – You can save 10% if you bundle your pet insurance policy with your Lemonade homeowners, renters, co-op, or condo insurance.
  4. Wellness Coverage – Lemonade has optional wellness plans to help cover routine expenses.

Why You Should Be Cautious

Lemonade started selling insurance in 2015 and pet insurance in 2020, making it’s very new to the industry and considered less stable than companies that have been selling pet insurance for much longer. We recommend choosing a company with at least five full years of national experience. Why?

Lemonade has created a lot of buzz with its low prices and AI-driven claim processing. Too often, we’ve seen new companies, like Lemonade, enter the pet insurance space with astonishingly low prices. After some time paying claims, these companies increase premiums to improve profitability. Some customers feel trapped because their pet now has pre-existing conditions that aren’t eligible for coverage with other companies.

Is this something you can expect from Lemonade? It’s hard to say. Lemonade has been selling other insurance products (renters, homeowners, car, and life) since 2015. So we’re hopeful that this insurance experience makes Lemonade less likely to spike customer premiums. However, we can’t guarantee anything, which is why we urge caution when choosing a company with fewer than five years of experience or a rocky history.

Coupon Code

If you bundle your renters, homeowners, car, or life insurance with your pet insurance policy, Lemonade will offer you a discount. Click here to get started.

Full Review Of Lemonade

Category Winners

Here are our category winners for value, special needs, and more.

ValueSpecial NeedsOther Pets
Accident-OnlyPuppiesCats
Healthy Pet DiscountOlder DogsExotic
100% ReimbursementDentalSmall Or Large Breeds
Unlimited PayoutsWellness Coverage 
Vet Direct PayBilateral Conditions 
 Behavioral Therapy 
 Breeders 

Best Accident-Only Plan: Pets Best

Woman Saving Money

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Pets Best’s Accident-Only plan is designed for those who are on a tight budget but still want great coverage for claims related to broken legs, poisonings, foreign body ingestion, and other injuries. This Accident-Only Plan is among the most affordable pet insurance plans and covers the treatment of accidents, including any related and necessary exams, diagnostics, surgeries, hospitalization, and medications.

Accident plans don’t cover illness, so cancer, skin infections, allergies, and other medical issues are excluded from this plan. However, if you don’t mind paying for illnesses out of pocket, Pets Best’s Accident-Only Plan is an excellent way to get affordable coverage. We recommend getting a quote from Pets Best to find out how much it would cost for your dog.

Full Review Of Pets Best

Best For Healthy Pet Discount: Figo

Vet with clipboard

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Figo has a diminishing deductible, which means that each year a customer is claim-free, their annual deductible is reduced by $50 upon policy renewal. This discount can drop your deductible down to $0. Figo’s diminishing deductible can save you a lot of money if your pet is healthy and has no insurance claim reimbursements from year to year.

Embrace has a healthy pet deductible, which acts the same as Figo’s diminishing deductible. Your pet’s annual deductible is reduced by $50 each year you don’t receive an accident or illness claim reimbursement down to $0. The only reason it isn’t the winner for this category is that Embrace’s average premiums are much higher than Figo’s. However, if you run the quotes and find Embrace to be a better fit, you can look forward to this discount.

The final company that offers a similar discount is Fetch by The Dodo with its healthy pet credit. The credit gives you a 15% discount on your premium for each consecutive 12-month policy period without a claim. You can accumulate credits over time to receive a maximum 30% discount. Fetch’s discount isn’t quite as good as Figo’s and Embrace’s for most pets, but it’s still a tremendous financial incentive to maintain your pet’s health.

Full Review Of Figo

Best For 100% Reimbursement: Figo

dog with a piggy bank

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Reimbursement is the percentage of a claim that you’re eligible for repayment by the pet insurance company after you’ve paid the coinsurance. Figo is one of three companies we review that offers 100% reimbursement (MetLife and Wagmo are the other two companies). Most companies offer 90% reimbursement as their highest level, but Figo offers to pay 100% of your covered vet bills. You can submit claims through the app, fax, email, or mail. Figo

Full Review Of Figo

Best For Unlimited Payouts: Healthy Paws

Girl paying vet bill

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Healthy Paws offers unlimited payouts with no per-incident, annual, or lifetime caps for all plans. Compared to other companies that have an unlimited option, Healthy Paws is typically among the least expensive. It has an excellent customer service reputation and coverage, which is why we feel it’s the best for those seeking maximum coverage.

Full Review Of Healthy Paws

Best For Vet Direct Pay: Trupanion

Vet Direct Pay: Trupanion Express

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Trupanion offers its customers the option to have Trupanion pay the vet directly, eliminating the claim processing wait time. Trupanion’s vet direct pay feature is called Trupanion Express. Many other pet insurance companies offer a vet direct pay option, but Trupanion Express is the only option that allows payment at the time of checkout.

Trupanion Express can directly pay your vet to cover your claim in five minutes or less. This can be a massive benefit to those who want to avoid paying a hefty vet bill upfront while waiting for a claim to process. Pet insurance is meant to help reduce financial stress, but if you’re required to pay the vet bill and then wait for reimbursement from your provider, you may find yourself strapped for cash until your claim is repaid.

If Trupanion Express isn’t at your vet’s office, you can call to ask about it or speak with your vet about them setting it up.

Full Review Of Trupanion

Best For Puppies: Fetch by The Dodo

Vet holding puppy

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Pets can be as young as six weeks old to be enrolled in Fetch by The Dodo’s pet insurance policy. Fetch offers customizable plans, detailed coverage, and competitive prices for its policies. Also, they won’t drop coverage if your pet reaches a certain age or has a specific number of claims submitted. Fetch will cover your puppy until he is old and gray and offers a healthy pet credit for the years when your pet stays in good condition, boasting no claims.

Full Review Of Fetch

Best For Older Dogs: Pets Best

Old dog on the ground

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Pets Best is one of the best pet insurance providers for those of you with older pets since it has no age limits. So even if you have a senior dog, you can obtain coverage for him through Pets Best. Most pet insurance providers have age restrictions, so this company is worth considering if your dog is in the later years of life.

Full Review Of Pets Best

Best For Dental Needs: Pets Best

Dog with white teeth up close (caption: Dog Dental Diseases and Insurance)

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If your dog (or his breed) is predisposed to specific dental ailments, you’ll want a pet insurance plan with detailed dental coverage. Pets Best explains which dental procedures are covered for your pet in its policy. Pets Best covers exam fees, gum disease, tooth extractions, trauma, and more.

You can also purchase an optional preventative plan for an additional cost to help cover dental cleaning and other wellness expenses. You can learn more about dental insurance coverage and exclusions here.

Full Review Of Pets Best

Best For Wellness Coverage: Pets Best

Dog with barbell in mouth (Caption: Pet Wellness Plans)

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While pet insurance plans cover unexpected accidents and illnesses, wellness plans cover expected routine procedures like annual exams, vaccinations, dental cleaning, spay/neuter procedures, microchipping, and more. These routine expenditures can add up to multiple hundreds of dollars a year, so purchasing a wellness plan can help prevent a hefty vet bill.

As with other providers, you must purchase Pet’s Best’s wellness plan in conjunction with one of its base pet insurance plans. There are two wellness plans to choose from, starting at $16 per month and offering up to $535 of annual benefits. The plans cover various preventative items such as teeth cleaning, vaccinations, flea/tick or heartworm preventative, and more. You can learn more about pet wellness plans here.

Full Review Of Pets Best

Best For Bilateral Conditions: Trupanion

Dog in wheelchair on beach (caption: Canine Hip Dysplasia)

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A bilateral condition is a condition or disease that affects both sides of the body. Examples include hip dysplasiaCCL injuries, and more. Trupanion has no bilateral exclusions, which is fairly uncommon in the pet insurance industry.

This means if your dog has an injury to one of his legs, then it’s more likely to be covered on another leg by Trupanion as long as it’s not a pre-existing condition. However, before choosing Trupanion, we encourage you to obtain a sample policy for your state because this can vary based on your residential location.

Full Review Of Trupanion

Best For Behavioral Therapy: Embrace

Bad dog being told no by parent

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This is a concern that we expect to increase as more pet parents return to the office post-pandemic. During the pandemic, many of us worked from home. That means your dog could be let outside whenever they wanted, you could take them for a quick lap around the neighborhood if they got a bit rowdy, and your workday was most likely shorter since you didn’t have a commute. Ultimately, you had more time for your pets.

But once you return to the rat race, your pets will need to acclimate to being without you again for eight hours or longer. This means some behavior issues may arise. Your dog may become anxious, aggressive, destructive, or experience some other type of behavioral issue. Pet insurance may cover therapy, medication, or other claims to ease the burden of these bills.

Embrace is a great option to consider as it covers behavioral therapy and training diagnosed by a licensed veterinarian for a covered condition. (Note: not all pet insurance providers cover behavioral therapy.)

Full Review Of Embrace

Best For Breeders: Trupanion

Girl and dog running through yard (caption: Trupanion pet insurance review)

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We’ve chosen Trupanion as the best pet insurance for breeders for multiple reasons. First of all, Trupanion is the only pet insurance company we review that offers enrollment beginning at birth. (The majority of pet insurance companies require your pet to be at least eight weeks old.)

The second reason Trupanion is an excellent option for breeders is because of its Breeder Support Program. The program’s primary focus is the Go Home Day Offer, which lets breeders provide buyers with offers for Trupanion enrollments without waiting periods. This means a pet parent can pick up their puppy from the breeder and have pet insurance begin immediately without any waiting periods.

The final reason Trupanion is worth considering if you’re a breeder is that its policies cover breeding-related health conditions. The Breeder Rider can be added to a policy for an additional cost and covers illness and injuries related to breeding, whelping, and queening (including emergency C-sections). Trupanion’s waiting periods still apply (30 days for illnesses and 5 days for accidents), and claims related to an existing pregnancy are excluded from coverage.

Full Review Of Trupanion

Best For Cats: Pets Best

Litter of Kittens (caption: best cat insurance)

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Cat insurance works the same as dog insurance. It’s meant to protect you financially in case there’s an emergency for your feline friend. Pets Best is our pick for best cat insurance because plans start around $10 per month, which we feel is relatively reasonable. (Prices may vary for your specific cat, so be sure to get a quote.)

It also covers many common accidents and illnesses for felines. Pets Best offers two annual benefit options for cats, $5,000 and unlimited. You can learn more about how cat insurance works here.,

Full Review Of Pets Best

Best For Exotic Pets: Nationwide

Pet parrot in birdcage (caption: exotic pet insurance comparison)

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Like dog or cat insurance, exotic pet insurance covers unexpected visits to the vet that are subject to the insurance plan you choose. This may include accidents, illnesses, the death of your pet, and more.

You only have one option if you have a parrot, hamster, rabbit, lizard, snake, or other exotic pet. Nationwide is the only company we review that offers exotic pet insurance.

Full Review Of Nationwide Pet Insurance

Best Pet Insurance For Small & Large Breeds

Our experts looked into selecting picks for the best pet insurance for small and large breed dogs, but there’s no distinguishing factor for canine size in the policies. Instead, we recommend getting a quote from each of our top picks.

Frequently Asked Questions

Cartoon of veterinarian petting dog next to piggy bank (Caption: Start Saving Money On Vet Bills, Compare Pet Insurance Rates In Minutes; Button Text: Get My Quotes)

Did we miss a category, or is there another question you have that we didn’t answer? Here are some of our frequently asked reader questions.

What Is The Best Pet Insurance Plan For My Specific Breed?

This is one of the most common questions we get. For example, we’re often asked, “What is the best pet insurance for my French Bulldog?” The answer to this is that each pet insurance policy quote varies by many factors – not just breed; but age, location, pre-existing conditions, and more. For this reason, we encourage you to complete our easy-to-use quote form to obtain free pet insurance quotes from multiple providers.

Our expert researchers have also gathered insurance quote examples for many different types of pets, breeds, and ages and reported them in our pet insurance quote comparison tables. This shows some examples of quotes by provider for different dog breeds based on age, location, deductible, term limit, and more.

What Is The Best Pet Insurance Company In My State?

Visit our pet insurance by state content to find out. We cover the most popular breeds, give you free pet insurance quotes, statistics, reimbursement stories, and more. We cover many of the states in the U.S. and are adding new state-specific content regularly.

What Is The Best Pet Insurance Provider In My Country?

Pet insurance is available in many countries. But, our pet insurance reviews only cover providers in the United States.

An example of a pet insurance brand that operates in several different countries is Petplan. They were founded and are the largest pet insurance provider in the UK but they also license their name for use in Australia, Brazil, Canada, Germany, the Netherlands, New Zealand, and Spain. In January 2022, the company who formerly operated under the Petplan UK license in the U.S. changed its brand name to Fetch by The Dodo.

If there’s enough interest, we may expand our coverage to include Canada, Central and South America, Australia, Europe, and more.

Top 10 Providers

Didn’t see your company reviewed? We’ve ranked five additional providers in our annually updated pet insurance reviews. Compare providers with an overall plans comparison chart, along with key features, plan and cost options, coverage, and exclusions for each company.

Should I Get Lifetime Pet Insurance?

All pet insurance policies have annual renewals, so signing up for a lifetime contract isn’t currently an option. That being said, you can renew each year, but prices are based on several factors including, local veterinary costs, the number of claims filed in your location, and thereby subject to change.

One thing you want to be aware of is term limits. For example, a provider with an annual term limit of $10,000 lets you claim up to this amount each year, regardless of how many claims you file. However, if you have lifetime claim limits, the provider will halt future reimbursements once you hit your limit. Lifetime limits tend to be a higher amount than annual limits for this reason. To find out which companies offer annual vs lifetime term limits, visit our cost and coverage comparison table.

If you want to learn more about pet insurance before purchasing, we recommend reading our comprehensive pet insurance 101 guide.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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