Pet Insurance

Pet insurance is the human health insurance equivalent, but for your pet. Having your dog or cat protected by a good health insurance plan can put your mind at ease knowing that large unexpected medical bills will be covered.

Canine Journal has decades of experience in pet health insurance, our experts have reviewed over two dozen providers and bring you our top picks in our comprehensive pet insurance reviews.

Yorkie at the vet with owner holding him and signing clipboard that vet is showing owner with expenses for services

Best Pet Insurance Companies In 2023: Reviews & Comparison Tables

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. We review the pet insurance industry’s most reputable companies, research extensively, and analyze customer feedback. Our licensed insurance agent fact-checks everything, and we update our coverage throughout the year as providers change their policies, premiums, payout limits, reimbursements, customer service experience, and more. Who are the best pet insurance companies this year? Let’s find out.

puppy at the vet getting heart beat checked with a stethascope

MetLife Pet Insurance Review: Entering A New Industry But Has Experience Too

PetFirst was founded in 2004 and bought by MetLife in December 2019. MetLife is one of the few pet insurance companies to offer a 100% reimbursement option. It also has a short waiting period for accidents (only one day after enrollment). But do these factors make it the best pet insurance for your dog or cat?

Person and dog standing on beach with sunset (Caption: Best Pet Insurance In California)

Best Pet Insurance In California: Companies Reviewed In Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento & More

There is so much to do in California with your pup, from hiking in the mountains to swimming in the ocean. However, that opens up more possibilities of your dog having an accident. Getting stuck in a thorn bush, burning pads on the hot beach sand, or even having a skin irritation are not out of the realm of possibilities. This doesn’t mean you should keep your dog inside 24/7, though. Instead, you can protect your wallet with pet insurance and still go on all the adventures you dream of with your best friend beside you. All of our top-ranked pet insurance providers offer coverage in California. The monthly premium is based on your dog’s breed, zip code, pre-existing health conditions, age, and other factors.

Small dog dog laying in grass with dog bowl

Lemonade Pet Insurance Review: A Promising New Provider?

Lemonade hit the pet insurance market in July 2020 with a unique Artificial Intelligence (AI)-driven claims process and four solid years of providing reputable homeowners and renters insurance. For pet insurance, they offer affordable premiums, customizable policies, a wellness plan add-on, and a fast claims process they handle through their smartphone app. But does Lemonade provide all the coverage you’ll need for your pet? And how do they stack up against their competitors?

two pom puppies tilting their heads sitting on white sofa

Nationwide vs Lemonade Pet Insurance: Is Newer Better?

When it comes to pet insurance, Nationwide had almost seven times the gross written premiums (GWP) amount of Lemonade in the U.S. in 2022.1 But bigger doesn’t always mean better. Nationwide Pet Insurance (formerly known as VPI) was founded in 1984 and was the first pet insurer, selling its first policy to Lassie, the heroic TV Collie. Nationwide has had decades to build its reputation and grow its customer base. Although Lemonade is only a few years old (founded in 2020), it is disrupting the pet insurance marketplace and is quickly increasing in GWP.

2 labs (one chocolate one yellow) laying in the grass with tongues out smiling off leash and orange ball near them

Embrace vs Healthy Paws: Who’s Top Dog?

Veterinarian bills can get pretty expensive, especially if your new pup makes frequent visits. Just the normal costs of aging can get pricey. Maybe Embrace or Healthy Paws can help you out. Find out which company is the better choice to help reduce your vet bills, especially in times of an emergency.

two dogs at the vet on exam table wearing lab coats laying down

Pets Best vs Nationwide: Which Pet Insurance Is Best For You?

Nationwide had the most gross written premiums (GWP) for pet insurance in the U.S. in 2022, with $860.6 million. Pets Best writes less than half of Nationwide’s, with $365 million GWP.1 But just because Nationwide has more than double the amount of GWP than Pets Best, that doesn’t necessarily mean it’s better.

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