List Of American Pet Insurance Companies (2022) With Ratings, Locations, Reviews, And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

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. The table below shows a sneak peek of our top picks for the best pet insurance.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageComprehensiveComprehensiveMore LimitedComprehensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)25-40 Days3 Days2 Days5 Days2 Days
Policy Price (avg)Lower On AverageLower On AverageVariableHigher On AverageLower On Average
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

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

Cartoon of veterinarian petting dog next to piggy bank (Caption: Start Saving Money On Vet Bills, Compare Pet Insurance Rates In Minutes; Button Text: Get My Quotes)

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.

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:


24PetWatch

24PetWatch logo

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 ServiceSupport HoursDeductible OptionsPayout 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 | 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 OptionsPayout OptionsReimbursement Options
Email
Phone
Fax
Mail
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 | 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Phone
Monday-Friday: 9am-6pm EST
Saturday & Sunday: Closed
$100
$250
$500
$3,000
$4,000
$5,000
$7,000
$10,000
70%
80%
90%

C&F Insurance Agency, the ASPCA Pet Health Insurance program administrators, 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 | Full Review Of Bivvy

  • Year Founded: 2019
  • Headquarters: 5910 Mineral Point Road, Madison, WI 53705
  • Underwriter: CUMIS Insurance Society, Inc.
Customer ServiceSupport HoursDeductible OptionsPayout 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: AL, AZ, CO, CT, GA, IL, IN, IA, KS, LA, MD, MI, MN, MO, NC, OH, OR, SC, TN, TX, UT, VA, WI


Companion Protect

Companion Protect logo

Visit Website | Full Review Of Companion Protect

  • Year Founded: 2015
  • Headquarters: 10950 El Monte St, Overland Park, KS 66211
  • Underwriter: Liberty Insurance Underwriters, Inc.
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Live Chat
Phone
FAQ
Email
Monday-Friday: 8am-8pm CST
Saturday: 9am-6pm CST
Sunday: Closed
$100Lifetime $100,00090%

Doggo

Doggo logo

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  • Year Founded: 2020
  • Headquarters: 1574 Carlton Way, Blacklick, OH, 43004-8416
  • Underwriter: United States Fire Insurance Company (Crum & Forster)
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Phone
Monday-Friday: 8am-8pm EST$100
$250
$500
$5,000
$7,000
$10,000
$15,000
70%
80%
90%

Embrace

Embrace logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Help Center
Phone
Fax
Email
Monday-Friday: 9am-8pm EST
Saturday: 10am-2pm 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%

Fetch by The Dodo

Fetch by the Dodo logo

Visit Website | Full Review Of Fetch

  • Year Founded: Founded in 2003, Fetch licensed the Petplan name from Petplan UK until it became Fetch by The Dodo in early 2022.
  • Headquarters: 3805 West Chester Pike, Suite 240, Newtown Square, PA 19073
  • Underwriter: XL Specialty Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Mail
Live Chat
Phone
FAQ
Monday-Friday: 8am-8pm EST
Saturday: 10am-6:30pm EST
Sunday: Closed
$250
$300
$500
$5,000
$10,000
Unlimited
70%
80%
90%

Figo

Figo logo

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 ServiceCustomer Experience HoursClaims Support HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Text
Fax
Email
Live Chat
Monday-Friday: 7am-7pm CST
Saturday: 8am-6pm CST
Sunday: 11am-3pm CST (Text Support Only)
Monday-Friday 8:30am-5:30pm CST$100
$250
$500
$750
$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 sell pet insurance on Figo’s behalf, who will service the policies. We recommend purchasing your policy directly through Figo to avoid confusion.


Hartville Pet Insurance

Hartville Pet Insurance Logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Phone
Monday-Friday: 9am-6pm EST
Saturday & Sunday: Closed
$100
$250
$500
$2,500
$4,000
$5,000
$7,000
$10,000
70%
80%
90%

Healthy Paws

Healthy Paws Logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Fax
Phone
Email
Monday-Friday: 7am-4pm PST
Saturday: 8am-5pm PST
Sunday: Closed
$100
$250
$500
$750
$1,000
Unlimited50%
60%
70%
80%
90%

Lemonade Pet Insurance

Lemonade Pet Insurance logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
FAQ
Email
Not Listed$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, MA, 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


ManyPets

Visit Website | Full Review Of ManyPets

ManyPets logo
  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
FAQ
Live Chat
Email
Monday-Friday: 9am-9pm EST
Saturday & Sunday: 10am-6pm EST
$0
$250
$500
Unlimited80%
90%
100%

Only Available In: AL, AZ, AR, GA, IL, IN, MI, MS, NE, NV, NM, NC, PA, SD, TX, WV, WY.


MetLife (previously PetFirst)

MetLife logo

Visit Website | Full Review Of MetLife

  • Year Founded: 2004 as PetFirst; purchased by MetLife in 2019 and rebranded in 2020.
  • Headquarters: 485 Madison Avenue, NY, NY 10022
  • Underwriter: Independence American Insurance Company (IAIC)
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Email
Live Chat
Monday-Friday: 8am-9pm EST
Saturday & Sunday: 10am-7pm EST
$50
$100
$250
$500
$2,500
$2,000
$5,000
$10,000
70%
80%
90%
100%

Nationwide Pet Insurance

Nationwide logo

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 ServiceSupport HoursDeductible OptionsPayout 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 | Full Review Of Odie

  • Year Founded: 2019
  • Headquarters: 29899 Agoura Road, Suite 110, Agoura Hills, CA 91301
  • Underwriters: PrimeOne Insurance Company and Clear Blue Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
FAQ
Phone
Live Chat
Monday-Friday: 8am-5pm CST$50-$1,000 (in $50 increments)$5,000
$10,000
$40,000
70%
80%
90%

Not Available In: AK

Wishbone Pet Insurance

Wishbone Pet Insurance is a program managed by Odie Pet Insurance Marketing, Inc. and is underwritten by Clear Blue Insurance Group.


PetcoPetco Pet Insurance logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Phone
Live Chat
Monday-Sunday: 5am-9pm PST$100
$250
$500
$5,000
$10,000
$15,000
$20,000
Unlimited
70%
80%
90%

PetPartners

PetPartners Logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Phone
FAQ
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%

PetPremium

PetPremium Logo with tagline: Happy. Healthy and Protected

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  • 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 OptionsPayout 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 | 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
FAQ
Phone
Mail
Live Chat
Fax
Email
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

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  • Year Founded: 2012
  • Headquarters: 710 Dorval Dr., Suite 400, Oakville, ON L6K 3V7, Canada
  • Underwriter: The North River Insurance Company and United States Fire Insurance Company, a Crum & Forster Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Mail
Email
Fax
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

Prudent Pet logo

Visit Website | Full Review Of Prudent Pet

  • Year Founded: 2018
  • Headquarters: 5101 Darmstadt Rd, Hillside, IL 60162
  • Underwriter: Markel Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
FAQ
Phone
Email
Live Chat
Monday-Friday: 8am-7pm CST
Saturday: 9am-5pm CST
Sunday: Closed
$100
$250
$500
$1,000
$10,000
Unlimited
70%
80%
90%

Pumpkin

Pumpkin Pet Insurance logo

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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
FAQ
Phone
Email
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 | 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 OptionsPayout OptionsReimbursement Options
FAQ
Phone
Email
Live Chat
Monday-Friday: 8am-9pm EST
Saturday & Sunday: Closed
$100
$250
$500
$750
$1,000
$2,500
$3,000
$4,000
$5,000
$7,000
$10,000
$15,000
$20,000
Unlimited
70%
80%
90%

Toto

Toto logo

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 ServiceSupport HoursDeductible OptionsPayout 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 | 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 OptionsPayout OptionsReimbursement Options
Live Chat
Phone
Email
24/7$0-$1,000 (In $5 Increments)Unlimited90%

TrustedPals

TrustedPals logo

Visit Website

  • Year Founded: 2019
  • Headquarters: 12421 Meredith Dr, Urbandale, IA 50398
  • Underwriter: Marsh USA Inc.
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Email
Phone
FAQ
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

Wagmo logo

Visit Website | Full Review Of Wagmo

  • Year Founded: 2018
  • Headquarters: 18 W. 18th Street, New York, NY 10011
  • Underwriter: National Specialty Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Live Chat
FAQ
Email
Monday-Friday: 9am-6pm EST
Saturday: 11am-7pm EST
Sunday: Closed
$250
$500
$1,000
$20,000 Annually
$10,000 Per-Incident
$100,000 Lifetime
90%
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 we outline in the article. After months of research, our experts (including a licensed insurance professional) have selected the top 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.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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