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

24PetWatch (2000)
AKC Pet Insurance (2003)
ASPCA Pet Insurance (1997)
Bivvy (2019)
Companion Protect (2015)
Embrace (2003)
Figo (2013)
Hartville (1997)
Healthy Paws (2009)
Lemonade Pet Insurance (2020)
ManyPets (2021)
MetLife (2021)
Nationwide Pet Insurance (1982 as VPI, 2015 as Nationwide)
Odie (2019)
Petco (2017)
PetFirst (2004)
PetPartners (2002)
Petplan (2003)
PetPremium (2013)
Pets Best (2005)
Pets Plus Us (2012)
Prudent Pet (2018)
Pumpkin (2020)
Spot (2019)
Toto (2018)
Trupanion (2000)
TrustedPals (2019)
Wagmo (2018)

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 work in partnership with another provider:

Costco
Walmart
Wishbone Pet Insurance

24PetWatch

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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
Other companies that offer pet insurance through ASPCA Pet Health Insurance: Waffle

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | Full Review Of Bivvy

Year Founded: 2019
Headquarters: 5910 Mineral Point Road, Madison, WI 53705
Underwriter: CUMIS Insurance Society, Inc.

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Email FAQ	Not Listed	Varies By State ($50-$250)	Annual Limits Vary By State ($1,000-$5,000) $25,000 Lifetime Limit	50%

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

Companion Protect

Visit Website | Full Review Of Companion Protect

Year Founded: 2015
Headquarters: 10950 El Monte St, Overland Park, KS 66211
Underwriter: Aspen American Insurance Company

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Live Chat Phone FAQ Email	Monday-Friday: 8am-8pm CST Saturday & Sunday: 9am-6pm CST	$100 Out Of Network $50 In-Network	Lifetime $100,000	80% Out Of Network 90% In-Network

Embrace

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | Full Review Of Figo

Year Founded: 2013
Headquarters: 540 N Dearborn Street, #10873, Chicago, IL 60610
Underwriter: Independence American Insurance Company (IAIC)

Customer Service	Customer Experience Hours	Claims Support Hours	Deductible Options	Payout Options	Reimbursement 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 Unlimited	70% 80% 90% 100%

Costco Pet Insurance

Note: Figo is also providing a pet health insurance product through Costco. While Costco is not an insurer, they are selling pet insurance on behalf of Figo, who will service the policies. We recommend purchasing your policy directly through Figo to avoid confusion.

Hartville Pet Insurance

Visit Website | Full Review Of Hartville

Year Founded: 1997
Headquarters: 1208 Massillon Rd., Suite G 200, Akron, OH 44306
Underwriter: United States Fire Insurance Company

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Fax Phone	Monday-Friday: 6am-6pm PST Saturday & Sunday: 8am-4pm PST	$100 $250 $500 $750 $1,000	Unlimited	50% 60% 70% 80% 90%

Lemonade Pet Insurance

Visit Website | Full Review Of Lemonade

Year Founded: 2020
Headquarters: 5 Crosby St. 3rd Floor, New York, NY 10013
Underwriter: Lemonade Insurance Agency LLC

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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, CO, CT, GA, IL, IN, IA, MD, MI, MS, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, District of Columbia

ManyPets

Visit Website

Year Founded: 2021
Headquarters: 3631 Chamblee Tucker Rd., #941818, Atlanta, GA 31141
Underwriter: Accredited Surety and Casualty Company
Launched By: Bought By Many (a UK-based European insurer)

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Phone FAQ Live Chat	Monday-Friday: 9am-5pm CST Saturday & Sunday: 9am-5pm CST	$0 $250 $500	Unlimited	80% 90% 100%

Only Available In: IL

MetLife

Visit Website

Year Founded: 2021
Headquarters: 485 Madison Avenue, NY, NY 10022
Underwriter: Independence American Insurance Company (IAIC)

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Contact Employer	Not Listed	Contact Employer	Contact Employer	Contact Employer

Only available through employers.

Nationwide Pet Insurance

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Phone Email Live Chat	Monday-Friday: 5am-7pm PST Saturday: 7am-3:30pm PST Sunday: Closed	$250	Limited Per Condition, Unlimited	50% 70% 90%

Odie

Visit Website | Full Review Of Odie

Year Founded: 2019
Headquarters: 29899 Agoura Road, Suite 110, Agoura Hills, CA 91301
Underwriters: PrimeOne Insurance Company, Clear Blue Insurance Company, and Clear Blue Specialty Insurance Company.

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Wishbone Pet Insurance

Wishbone Pet Insurance is a program managed by Odie Pet Insurance Marketing, Inc., and administered by Thorson Specialty Insurance Services, Inc. Underwriters include PrimeOne Insurance Company, Clear Blue Insurance Company, and Clear Blue Specialty Insurance Company.

Petco

Visit Website | Full Review of Petco

Year Founded: 2017
Headquarters: 9125 Rehco Road, San Diego, CA 92121
Underwriter: United States Fire Insurance Company (Crum & Forster)

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Email Phone	Not Listed	$100 $250 $500	$5,000 $10,000 $15,000 $20,000 Unlimited	70% 80% 90%

PetFirst

Visit Website | Full Review Of PetFirst

Year Founded: 2004
Headquarters: 400 Missouri Avenue, Jeffersonville, IN 47130
Underwriter: Independence American Insurance Company (IAIC)
Parent company that offers pet insurance through PetFirst: MetLife

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | Full Review Of PetPartners

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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | Full Review Of Petplan

Year Founded: 2003
Headquarters: 3805 West Chester Pike, Suite 240, Newtown Square, PA 19073
Underwriter: XL Specialty Insurance Company

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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, Progressive, and PEMCO

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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%

Pets Plus Us

Pets Plus Us logo Visit Website

Year Founded: 2012
Headquarters: 710 Dorval Dr., Suite 400, Oakville, ON L6K 3V7, Canada
Underwriter: The North River Insurance Company

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Phone Mail Email	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%

Prudent Pet

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | Full Review Of Toto Pet Insurance

Year Founded: 2018
Headquarters: 3420 Pump Rd, Ste 407, Richmond, VA 23233
Underwriter: Independence American Insurance Co. (IAIC)
Administered By: PetPartners

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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

Visit Website | 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 Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Live Chat Phone Email	24/7	$0-$1,000 (In $5 Increments)	Unlimited	90%

TrustedPals

Visit Website

Year Founded: 2019
Headquarters: 12421 Meredith Dr, Urbandale, IA 50398
Underwriter: Marsh USA Inc.

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement Options
Email Phone FAQs	Monday-Friday: 7am-6pm CST Saturday & Sunday: Closed	$0 $100 $250 $500 $750	$4,000 $8,000 $15,000 Unlimited	70% 80% 90% 100%

Wagmo

Visit Website | Full Review Of Wagmo

Year Founded: 2018
Headquarters: 18 W. 18th Street, New York, NY 10011
Underwriter: National Specialty Insurance Company

Customer Service	Support Hours	Deductible Options	Payout Options	Reimbursement 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 40 states. The following locations do not offer Wagmo pet insurance: AK, FL, ID, KY, LA, MN, MO, NM, RI, WA, and Washington DC

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.

Filed Under: Pet Insurance |

About The Author: Kimberly Alt

Kimberly leads copy and research strategy for Canine Journal. She has more than a decade of professional writing and editing experience under her belt, including working for multiple newspapers, magazines, and websites. Some popular companies she has helped with include Better Homes & Gardens, Parents.com, and the International Brotherhood of Electric Workers.

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. She is a member of Dog Writers Association of America, and her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

In 2017, Kimberly and her husband adopted their Coonhound mix, Sally, from a local shelter. Sally is a great family dog and is gentle around Kimberly's two children, who are completely infatuated with her. When Kimberly isn't writing about all things dog, you can find her taking walks with her family, playing in her yard with her kids, trying a new recipe in the kitchen, exploring the national parks, and spending as much time outside as possible.

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