How Many Pet Insurance Companies Are There? Full List With Names, Ratings, Locations, Reviews, And More

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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 American pet insurance providers, with links to in-depth reviews when available.

Pet Insurance Companies

Listed below are the national providers in alphabetical order. Think of it as a company directory, including its founding year(s), customer support details, website links, office location, links to our full reviews, and more.

One Form, Multiple Free Pet Insurance Quotes

Insurance companies that have policies administered by other pet insurance providers:

Companies that don’t offer pet insurance directly, but may offer a similar product or be in a partnership with another provider:

24PetWatch

24PetWatch logo

Visit Website | Read Our Full Review Of 24PetWatch

  • Year Founded: 2000
  • Headquarters: 3315 Algonquin Road, Suite 310, Rolling Meadows, IL 60008
  • Underwriters:
    • Programs: The North River Insurance Company
    • EmergencyCare: United States Fire Insurance Company (Crum & Forster)
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Phone
Mail
Monday-Thursday: 8am-9pm EST
Friday: 8am-7pm EST
Saturday & Sunday: Closed
$100
$250
$500
$1,000
$3,000
$5,000
$10,000
$20,000
80%

AKC Pet Insurance

AKC Pet Insurance Logo

Visit Website | Read Our Full Review Of AKC Pet Insurance

  • Year Founded: PetPartners, Inc. partnered with AKC in 2003 to administer AKC Pet Insurance.
  • Headquarters: 8051 Arco Corporate Drive, Suite 350, Raleigh, NC 27617
  • Underwriter: Independence American Insurance Company (IAIC)
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Phone
Monday-Friday: 8:30am-8pm EST
Saturday: 10am-3pm EST
Sunday: Closed
$100
$250
$300
$400
$500
$600
$750
$1,000
$2,500
$5,000
$7,500
$10,000
$15,000
$20,000
Unlimited
70%
80%
90%

ASPCA Pet Insurance

ASPCA Insurance logo

Visit Website | Read Our Full Review Of ASPCA Pet Insurance

  • Year Founded: 1997
  • Headquarters: 1208 Massillon Rd., Suite G 200, Akron, OH 44306 (same as Hartville)
  • Underwriter: United States Fire Insurance Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Phone
Monday-Friday: 8am-8pm EST
Saturday & Sunday: Closed
$100
$250
$500
$3,000
$5,000
$7,000
$10,000
70%
80%
90%

C&F Insurance Agency, the administrators of the ASPCA Pet Health Insurance program, pays a royalty fee to the ASPCA to use its mark through a licensing agreement. C&F Insurance Agency also administers Hartville and PetPremium, which have identical offerings to ASPCA pet insurance but are not affiliated with the ASPCA organization.

Bivvy

Bivvy logo

Visit Website | Read Our Full Review Of Bivvy

  • Year Founded: 2019
  • Headquarters: 5910 Mineral Point Road, Madison, WI 53705
  • Underwriter: CUMIS Insurance Society, Inc.
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
FAQ
Not ListedVaries By State ($50-$250)Annual Limits Vary By State ($1,000-$5,000)
$25,000 Lifetime Limit
50%

Only Available In: AZ, CT, GA, IL, IN, IA, KS, MD, MI, NC, OR, TX, VA, WI

Companion Protect

Companion Protect logo

Visit Website | Read Our Full Review Of Companion Protect

  • Year Founded: 2015
  • Headquarters: 10950 El Monte St, Overland Park, KS 66211
  • Underwriter: Aspen American Insurance Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Live Chat
Phone
FAQ
Email
Monday-Friday: 8am-8pm CST
Saturday & Sunday: 9am-6pm CST
$100 Out Of Network
$50 In-Network
Lifetime $100,00080% Out Of Network
90% In-Network

Embrace

Embrace logo

Visit Website | Read Our Full Review Of Embrace

  • Year Founded: 2003
  • Headquarters: 4530 Richmond Rd, Cleveland, OH 44128
  • Underwriter:  American Modern Property and Casualty Insurance Company (owned by Munich Reinsurance, Inc.)
  • Other companies that offer pet insurance through Embrace: USAA, Allstate, American Family, and Geico
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Help Center
Phone
Fax
Monday-Friday: 8:30am-8pm EST
Saturday: 9am-1pm EST
Sunday: Closed
$200
$300
$500
$750
$1,000
$5,000
$8,000
$10,000
$15,000
$30,000
Unlimited Available Via Phone
70%
80%
90%

Figo

Figo logo

Visit Website | Read Our Full Review Of Figo

  • Year Founded: 2013
  • Headquarters: 540 N Dearborn Street, #10873, Chicago, IL 60610
  • Underwriter: Independence American Insurance Company (IAIC)
Customer ServiceCustomer Experience HoursClaims Support HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Phone
Text
Fax
Email
Live Chat
Monday-Friday: 8am-7pm CST
Saturday: 8am-6pm CST
Sunday: 11am-3pm CST (Text Support Only)
Monday-Friday 8:30am-5:30pm CST$100
$200
$250
$500
$750
$1,000
$1,500
$5,000
$10,000
$20,000
Unlimited
60%
65%
70%
80%
90%
100%

Hartville Pet Insurance

Hartville Pet Insurance Logo

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  • Year Founded: 1997
  • Headquarters: 
    • 1208 Massillon Rd., Suite G 200, Akron, OH 44306
  • Underwriter: United States Fire Insurance Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Phone
Monday-Friday: 8am-8pm EST
Saturday & Sunday: Closed
$100
$250
$500
$3,000
$5,000
$7,000
$10,000
70%
80%
90%

Healthy Paws

Healthy Paws Logo

Visit Website | Read Our Full Review Of Healthy Paws

  • Year Founded: 2009
  • Headquarters: P.O. Box 50034, Bellevue, WA 98015
  • Underwriter: One of the following Chubb companies (ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company)
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Fax
Phone
Monday-Friday: 6am-6pm PST
Saturday & Sunday: 8am-4pm PST
$100
$250
$500
$750
Unlimited60%
70%
80%
90%

Lemonade

Lemonade Pet Insurance logo

Visit Website | Read Our Full Review Of Lemonade

  • Year Founded: 2020
  • Headquarters: 5 Crosby St. 3rd Floor, New York, NY 10013
  • Underwriter: Lemonade Insurance Agency LLC
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
FAQ
Email
Monday-Friday: 9am-8pm EST
$100
$250
$500
$5,000
$10,000
$20,000
$50,000
$100,000
70%
80%
90%

Only Available In: AL, AZ, AR, CA, CT, GA, IL, IN, IA, MD, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, District of Columbia

Nationwide Pet Insurance

Nationwide logo

Visit Website | Read Our Full Review Of Nationwide Pet Insurance

  • Year Founded: 1982 as Veterinary Pet Insurance (VPI) and Nationwide acquired and started selling VPI’s product in 2015.
  • Pet Insurance Headquarters: 1800 E. Imperial Highway, Suite 145, Brea, CA 92821
  • Underwriters:
    • National Casualty Company in all states except California
    • Veterinary Pet Insurance Company in California
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Phone
Email
Live Chat
Monday-Friday: 5am-7pm PST
Saturday: 7am-3:30pm PST
Sunday: Closed
$250Limited Per Condition, Unlimited50%
70%
90%

Odie

Odie logo

Visit Website 

  • Year Founded: 2019
  • Headquarters: 29899 Agoura Road, Suite 110, Agoura Hills, CA 91301
  • Underwriter: PrimeOne Insurance Company, Clear Blue Insurance Company, and Clear Blue Specialty Insurance Company.
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
FAQ
Phone
Live Chat
Monday-Friday: 9am-6pm EST$50-$1,000 (in $50 increments)$5,000
$10,000
$25,000
$40,000
70%
80%
90%

Not Available In: FL, CO, WA, AK, MA

PetFirst

PetFirst logo

Visit Website 

  • Year Founded: 2004
  • Headquarters: 400 Missouri Avenue, Jeffersonville, IN 47130
  • Underwriter: Independence American Insurance Company (IAIC)
  • Other companies that offer pet insurance through PetFirst: MetLife
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
FAQ
Phone
Fax
Monday-Friday: 8am-9pm EST
Saturday & Sunday: 10am-7pm EST
$0
$50
$100
$250
$500
$2,500
$1,000
$2,000
$5,000
$10,000
Unlimited
70%
80%
90%
100%

PetPartners

PetPartners Logo

Visit Website

  • Year Founded:
    • The company started offering insurance under the PetPartners brand in 2002.
    • In 2003, PetPartners, Inc. partnered with AKC to offer AKC Pet Insurance.
  • Headquarters: 8051 Arco Corporate Drive, Suite 350, Raleigh, NC 27617
  • Underwriter: Independence American Insurance Company (IAIC)
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Phone
Monday-Friday: 8:30am-8pm EST
Saturday: 10am-3pm EST
Sunday: Closed
$100
$250
$300
$400
$500
$600
$750
$1,000
$2,500
$5,000
$7,500
$10,000
$15,000
$20,000
Unlimited
70%
80%
90%

Petplan

Petplan logo

Visit Website | Read Our Full Review Of Petplan

  • Year Founded: 2003
  • Headquarters: 3805 West Chester Pike, Suite 240, Newtown Square, PA 19073
  • Underwriter: XL Specialty Insurance Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Mail
Live Chat
Phone
FAQ
Social Media
Monday-Friday: 8am-8pm EST
Saturday: 10am-6:30pm EST
Sunday: Closed
$250
$300
$500
$5,000
$15,000
Unlimited
70%
80%
90%

Walmart Pet Insurance

Note: Petplan is also managing a pet health insurance product through Walmart (Walmart pet insurance). While Walmart is not an insurer, they are marketing pet insurance on behalf of Petplan, who will service the policies.

PetPremium Pet Insurance

PetPremium Logo with tagline: Happy. Healthy and Protected

Visit Website

  • Year Founded: 2013
  • Headquarters: 44 Wall St., Suite 505, New York, NY 10015
  • Underwriter: United States Fire Insurance Company, a Crum & Forster Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Email
Phone
Monday-Friday: 8am-8pm EST
Saturday & Sunday: Closed
$100
$250
$500
$3,000
$5,000
$7,000
$10,000
70%
80%
90%

Pets Best

Pets Best logo

Visit Website | Read Our Full Review Of Pets Best

  • Year Founded: 2005
  • Headquarters: 2323 S.Vista Ave., Ste. 100, Boise, ID 83705
  • Underwriter: American Pet Insurance Company
  • Other companies that offer pet insurance through Pets Best: Farmers Insurance and Progressive
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
FAQ
Phone
Mail
Live Chat
Fax
Monday-Friday: 6am-7pm MST
Saturday: 6am-2pm MST
Sunday: Closed
$50
$100
$200
$250
$500
$1,000
$5,000
Unlimited
70%
80%
90%

Prudent Pet

Prudent Pet logo

Visit WebsiteRead Our Full Review Of Prudent Pet

  • Year Founded: 2018
  • Headquarters: 5101 Darmstadt Rd, Hillside, IL 60162
  • Underwriter: United States Fire Insurance Company, a Crum & Forster Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
FAQ
Phone
Email
Live Chat
Text
Monday-Friday: 8am-7pm CST
Saturday & Sunday: 9am-5pm CST
$100
$250
$500
$10,000
$14,000
Unlimited
70%
80%
90%

Pumpkin

Pumpkin Pet Insurance logo

Visit Website | Read Our Full Review Of Pumpkin

  • Year Founded: 2020
  • Headquarters: 251 W 30th St, #9W, New York, NY 10001
  • Underwriter: United States Fire Insurance Company, a Crum & Forster Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
FAQ
Phone
Email
Text
Monday-Friday: 8am-8pm EST
Saturday & Sunday: Closed
$100
$250
$500
$10,000 & $20,000 for Dogs
$7,000 & $15,000 for Cats
90%

Spot

Spot logo

Visit Website | Read Our Full Review Of Spot Pet Insurance

  • Year Founded: 2019
  • Headquarters: 400 Clematis St., #208, West Palm Beach, FL 33401
  • Underwriter: United States Fire Insurance Company, a Crum & Forster Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
FAQ
Phone
Email
Monday-Friday: 8am-8pm EST
Saturday & Sunday: Closed
$100
$250
$500
$750
$1,000
$2,500
$4,000
$5,000
$7,000
$10,000
Unlimited
70%
80%
90%

Toto

Toto logo

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  • Year Founded: 2018
  • Headquarters: 3420 Pump Rd, Ste 407, Richmond, VA 23233
  • Underwriter: Independence American Insurance Co. (IAIC)
  • Administered By: PetPartners
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Phone
Email
Mail
Fax
Monday-Friday: 8:30am-8pm EST
Saturday: 10am-3pm EST
Sunday: Closed
$100
$250
$500
$2,500
$7,500
$15,000
70%
80%
90%

Trupanion

Trupanion logo

Visit Website | Read Our Full Review Of Trupanion

  • Year Founded: 2000
  • Headquarters:  6100 4th Ave South, Suite 200, Seattle, WA 98108
  • Underwriter: American Pet Insurance Company
  • Other companies that offer pet insurance through Trupanion: State Farm
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Live Chat
Phone
Email
24/7$0-$1,000 (In $5 Increments)Unlimited90%

Wagmo

Wagmo logo

Visit Website 

  • Year Founded: 2018
  • Headquarters: 18 W. 18th Street, New York, NY 10011
  • Underwriter: National Specialty Insurance Company
Customer ServiceSupport HoursDeductible OptionsClaim Limit OptionsReimbursement Options
Live Chat
FAQ
Monday-Friday: 10am-6pm EST
Saturday & Sunday: 11am-7:30pm EST
$500
$750
$1,000
$20,000 Annually
$10,000 Per-Incident
$100,000 Lifetime
100%

Wellness plans are available in all 50 states, but insurance is only available in: AL, AZ, AR, CA, CO, CT, DE, HI, IL, IN, IA, KS, ME, MD, MA, MI, MS, NE, NV, NH, NJ, NY, NC, OH, OK, OR, PA, TN, TX, UT, VI, WV, WI, WY

Find The Best Pet Insurance

We’ve reviewed the best pet insurance companies and ranked them based on several factors which we outline in the article. After months of research our experts (including a licensed insurance professional) have selected the top three providers overall, as well as category winners for cost, multiple pet discounts, dental coverage, wellness plans, older dogs, and more. We are here for you, and will do our best to help you choose the best pet insurance company for you and your pet’s unique needs.

Don’t see a company you’re interested in? Let us know in the comments.

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