Pet Insurance

Healthy Paws is committed to helping homeless pets — so much so, they’ve donated over $1.6 million to help in their efforts to date. More than 550,000 pets are covered for new accidents and illnesses by Healthy Paws. But is Healthy Paws worthy of insuring your beloved pet? How does its coverage, service, and cost compare to other top pet insurance companies?

Pets Best is consistently among the least expensive pet insurance providers when we run price quotes. But does paying less mean you’re getting the same coverage you would with a more expensive provider? Our experts dig in to find out the truth.

Do you want the most comprehensive list of national pet insurance companies in the U.S.? Look no further. Canine Journal’s experts have a combined investment of hundreds of years of research into the pet insurance industry and corresponding providers. We leave no stone unturned, maintain annual rankings (with quarterly audits) of the top providers, and provide detailed individual coverage of pet insurance companies, whether they’re new to the scene or seasoned veterans. If you’re just getting started with pet insurance, we recommend you visit our is pet insurance worth it article, a comprehensive guide to everything you should know before buying pet insurance. Without further ado, here is our comprehensive list of pet insurance providers.

A big misconception about pet insurance is that it’s too expensive. We spend hundreds of dollars on ourselves and our families each month for health insurance, yet we don’t get coverage for our furry “children.” In reality, paying $50 per month* for pet insurance could end up saving your pet’s life. Instead of being hit with an $8,000 vet bill because your dog needs cancer treatment, you can have a vast majority of it covered through pet insurance. The worst scenario is learning that your dog has cancer but turning down treatment because you can’t afford the bills. No one wants to face this decision, and signing up for pet insurance can cover most of the cost. Pet insurance allows you to make the best choices when an emergency arises instead of the least expensive ones. Pet insurance can also prevent a tragedy commonly referred to as “economic euthanasia.” This is when a pet owner can’t afford treatment and asks the vet to put down the pet rather than care for him due to financial limitations. For this reason, it’s vital to consider buying pet health insurance to protect your canine (and your wallet) from some of the most unfortunate incidents in a pet’s life. The table below shows which companies are in our top picks for the best pet insurance in 2022.

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. 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.

Our article compares the most popular pet insurance companies. See what type of plan you can get through each provider. What deductible, reimbursement, and payout options do each offer? Then see how they compare in terms of exclusions. Find out if one company excels in policy coverage or is lacking in a specific area. You can also compare waiting periods to see when coverage will take effect. We have comparison tables to help you examine apples to apples without feeling overwhelmed by the options.

Our pet insurance experts (including a licensed professional) review the industry’s most reputable companies, conduct extensive research, and analyze customer feedback. In addition, our pet insurance reviews are regularly updated 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.

Having pet insurance can help you save a ton of money for unexpected expensive vet bills and emergency care. But most pet insurance companies require you to pay your vet directly, and then they reimburse you. What are your options if you don’t have savings or a credit card to pay upfront for what could be hundreds to thousands of dollars? Fortunately, we’ve found your best options for pet insurance with direct payments.

Pet medical insurance is more commonly referred to as pet insurance. Pet insurance helps pay for veterinary treatment covered by your chosen pet insurance provider. It works similarly to human health insurance. So if your dog experiences an illness or accident, you can focus your attention on helping your dog heal instead of stressing about your financial circumstance. 

Uh oh, Fido just hurt his leg. Or maybe Garfield was diagnosed with an illness. Can you sign up for pet insurance and have a current health condition covered immediately without waiting periods? Find out if you can get pet insurance that starts immediately and which pet insurance has no waiting periods.