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.
Does pet insurance cover expensive health conditions, like cancer? It depends on your dog’s health status when you purchase the policy and after all waiting periods have passed. Because pre-existing conditions are excluded from coverage, you can’t obtain coverage for an existing cancer diagnosis for your dog. However, if you’re preemptively purchasing a pet insurance policy, then any future diagnoses, including cancer, may be eligible for coverage.
Healthy Paws is a better pet insurance company for parents wanting unlimited payouts and fast claim processing. On the other hand, Embrace is more fitting for those wanting fewer exclusions and plan customization restrictions. Read our Embrace vs Healthy Paws comparison to determine which insurer is best for your dog.
Pets Best is a better pet insurance pick than Healthy Paws for most parents. Pets Best has fewer exclusions in its policies and many ways to tailor a plan to fit your coverage needs and budget. However, Healthy Paws has a longstanding, stable reputation with a speedy claim processing average of only two days. Read our Healthy Paws vs Pets Best comparison to ensure you select the right provider for your dog.
Fetch is typically a better pet insurance choice for the average pet parent than Trupanion. Fetch has extensive coverage with unique offerings, like up to $1,000 in coverage for virtual vet visits. Fetch also has more plan customization options and lower pricing than Trupanion on average. However, Trupanion has a speedy claim processing timeline, and Trupanion Express pays vets directly to eliminate the reimbursement process. Trupanion also lists no bilateral exclusions, significantly benefiting pet parents with breeds prone to hip dysplasia or CCL injuries. Lastly, Trupanion has a per-incident lifetime deductible instead of an annual deductible like Fetch’s. This could benefit pets with chronic conditions because the parent only pays the deductible for the condition once.
Embrace has a longstanding solid reputation and is known for its extensive coverage and faster-than-average claim payouts. Lemonade is newer to the industry but is already making a name for itself with its unique and speedy Artificial Intelligence (AI)-driven claims processing and more affordable premiums. Which provider is better suited for your pet’s unique health needs and your budget? We compare coverage, customer service and reputation, claim processing, pricing, and customizations and explain which company we think is better in most cases. But remember that each pet and household budget varies, so obtaining quotes from multiple companies for your unique situation can help ensure you get the best policy and price to meet your needs.
Fetch by The Dodo and Nationwide are two powerhouse pet insurance providers. While they each offer unique pet insurance plans, they also have many similarities in their coverage and policies. We compare Fetch and Nationwide’s coverage, customer service and reputation, claim processing average, price, and plan customizations to help you see what similarities and differences they have. We also choose a winner and explain why we think one company comes out on top of the other.
Fetch by The Dodo and Figo offer some of the most extensive coverage in the pet insurance industry. Fetch offers unique coverage for things like advertising and paying a reward for a stolen or lost pet and virtual vet visits up to $1,000. Meanwhile, Figo’s prices are often hard to beat. So which one will cover what you need and fit into your budget the best? We compare coverage, customer service and reputation, claim processing, customizations, and prices and explain which company we think is better. But keep in mind that every pet and budget are different, so we recommend getting quotes from multiple companies to ensure you get the best value for your unique situation.
Let’s compare Healthy Paws and ASPCA Pet Health Insurance head-to-head and choose a clear winner. We explain our reasoning along with each company’s strengths and weaknesses to help you better understand what each has to offer.
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.
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.
Nationwide is well-known as an insurance giant offering home, life, auto, and more. If you’re an existing Nationwide policyholder, you may be interested in its pet insurance coverage and how it compares to companies like Embrace. Embrace doesn’t offer insurance for other areas of your life, but it’s become eminent in the pet insurance industry. We compare Embrace and Nationwide’s coverage, customer service and reputation, claim processing average, price, and plan customizations to help you clearly see their similarities and differences. We also choose a winner and explain why one company comes out on top over the other when it comes to pet insurance.
Pumpkin and Lemonade have quickly created some excitement in the pet insurance marketplace. Pumpkin entered the space offering extensive coverage options with no added fees. Meanwhile, Lemonade introduced the fastest way to payout claims using Artificial Intelligence (AI). Neither has been offering pet insurance for very long, so is one company better than the other? We compare coverage, customer service and reputation, claim processing, pricing, and customizations and explain which company we think is better in most cases. But, remember that each pet and household budget varies, so obtaining quotes from multiple companies for your unique situation can help ensure that you get the best policy and price to meet your needs.
