List Of American Pet Insurance Companies (2024) With Ratings, Locations, Reviews, And More
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Here you’ll find the most comprehensive list of national pet insurance companies in the U.S. Canine Journal’s experts have spent decades researching 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 Ranking | Company | Review |
|---|---|---|
| Best Overall |  | Read Review |
| Best For Puppies & Kittens |  | Read Review |
| Best Unlimited Payouts |  | Read Review |
| Best Value |  | Read Review |
| Best Coverage |  | Read Review |
| Most Affordable |  | Read Review |
| Best Vet Direct Pay |  | Read Review |
| Best For Pre-Existing Conditions |  | Read Review |
| Best Accident-Only Plan |  | Read Review |
| Best For Customizable Plans |  | Read Review |
| Best For Exotic Pets |  | Read Review |
Pet Insurance Companies (All Of Your Options)
Below is our comprehensive list of American pet insurance providers, with links to in-depth reviews when available. 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.
- AKC Pet Insurance (2003)
- Animalia (2022)
- ASPCA Pet Insurance (1997)
- Bivvy (2019)
- CarePlus (2022)
- Companion Protect (2015)
- Doggo (2020)
- Embrace (2003)
- Fetch (2003 under Petplan license; 2022 as Fetch)
- Figo (2013)
- Fursure (2020)
- Hartville (1997)
- Healthy Paws (2009)
- Kanguro (2021)
- Lemonade Pet Insurance (2020)
- MetLife Pet Insurance (2004 as PetFirst; 2020 as MetLife)
- Nationwide Pet Insurance (1982 as VPI; 2015 as Nationwide)
- Odie (2019)
- Paw Protect (2022)
- Petco (2017)
- PetPartners (2002)
- PetPremium (2013)
- Pets Best (2005)
- Physicians Mutual Pet (2022)
- Prudent Pet (2018)
- Pumpkin (2020)
- Spokk (2022)
- Spot (2019)
- Toto (2018)
- Trupanion (2000)
- TrustedPals (2019)
- Wagmo (2018)
- 24Petprotect (2000 as 24PetWatch)
Insurance companies that have policies administered by other pet insurance providers:
- Allstate
- American Family
- Farmers Insurance
- Geico (via Embrace or Trupanion)
- PEMCO
- Progressive
- State Farm
- Travelers
- USAA
- Waffle
Companies that don’t offer pet insurance directly but may offer a similar product or work in partnership with another provider:
If you live outside of the U.S. and want to learn about your options, below are pet insurers you can consider.
- Allianz (Ireland)
- Itch (United Kingdom)
- OneDegree (Hong Kong)
- Peppermint (Canada)
- Pets Plus Us (Canada)
- Tesco (Australia)
- Waggel (United Kingdom)
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 Fax | 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% |
Animalia
- Year Founded: 2022 (2017 in Israel)
- Headquarters: 142 W. 57th Street, FL 11, New York, NY 10019
- Underwriter: National Specialty Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Email Phone Live Chat | Not listed | $200 $350 $500 | $5,000 $10,000 $25,000 | 70% 80% 90% |
Only Available In: AZ, AR, CO, CT, DE, HI, ID, IN, IA, FL, KS, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD TN, TX, UT, VA, VT, WI, & WY
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: Travelers and Waffle
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement 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
- 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 |
|---|---|---|---|---|
| Not Listed | Varies By State ($50-$250) | Annual Limits Vary By State ($1,000-$5,000) $25,000 Lifetime Limit | 50% |
Only Available In: AL, AR, AZ, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, LA, MD, MI, MN, MO, NE, NH, NC, NJ, NM, NV, OH, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, WY, & Washington DC
CarePlus By Chewy Pet Insurance
- Year Founded: 2022
- Headquarters: 343 Congress St, Boston, MA 02210 and 7700 W Sunrise Blvd, Plantation, FL 33322
- Underwriter: American Pet Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Video Chat Live Chat Phone | 24/7 | $250 | Unlimited | 70% 80% 90% |
Only Available In: TX, PA, IL, OH, MA, GA, NC, MI, VA, AZ, CO, IN, SC, MD, OR, MO, TN, WI, MN, KS, KY, LA, IA, CT, NV, AL, AR, MS, NE, NJ, NM, OK, NH, UT, WV, DE, SD, WY, ND, RI, MT, NJ.
Companion Protect
- Year Founded: 2015
- Headquarters: 10950 El Monte St, Overland Park, KS 66211
- Underwriter: Liberty Insurance Underwriters, Inc.
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Live Chat Phone | Monday-Friday: 8am-8pm CST Saturday: 9am-6pm CST Sunday: Closed | $100 | Lifetime $100,000 | 90% |
Doggo
- Year Founded: 2020
- Headquarters: 1574 Carlton Way, Blacklick, OH, 43004-8416
- Underwriter: United States Fire Insurance Company (Crum & Forster)
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Email Phone | Monday-Friday: 8am-8pm EST | $100 $250 $500 | $5,000 $7,000 $10,000 $15,000 | 70% 80% 90% |
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 |
|---|---|---|---|---|
| Phone Fax Live Chat | Monday-Friday: 9am-8pm EST Saturday: 10am-2pm EST Sunday: Closed | $100 $250 $500 $750 $1,000 | $5,000 $8,000 $10,000 $15,000 Unlimited | 70% 80% 90% |
Fetch
- Year Founded: Founded in 2003, Fetch licensed the Petplan name from Petplan UK until it became Fetch in early 2022.
- Headquarters: 3805 West Chester Pike, Suite 240, Newtown Square, PA 19073
- Underwriters:
- XL Specialty Insurance Company
- AXIS Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Email Live Chat Phone | Monday-Friday: 9am-6pm EST Saturday & Sunday: Closed | $300 $500 $700 | $5,000 $10,000 $15,000 | 70% 80% 90% |
Figo
- Year Founded: 2013
- Headquarters: 540 N Dearborn Street, #10873, Chicago, IL 60610
- Underwriters:
- Independence American Insurance Company (IAIC)
- Markel American Insurance Company
- Market Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone Text Fax | Monday-Friday: 7am-7pm CST Saturday: 8am-6pm CST Sunday: 11am-3pm CST (Text Support Only) | $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.
Fursure Pet Insurance
- Year Founded: 2020
- Headquarters: 237 Kearny Street, Suite 9162, San Francisco, CA 94108
- Underwriter: Not Listed
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Not Listed | $250 $500 $750 $1,000 $1,200 | $5,000 $10,000 Unlimited | 70% 80% 90% |
Only Available In: AZ, IL, NC, TX
Hartville Pet Insurance
- 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: 9am-6pm EST Saturday & Sunday: Closed | $100 $250 $500 | $2,500 $4,000 $5,000 $7,000 $10,000 | 70% 80% 90% |
Healthy Paws
- Year Founded: 2009
- Headquarters: P.O. Box 50034, Bellevue, WA 98015
- Underwriters:
- ACE American Insurance Company
- Westchester Fire Insurance Company
- Indemnity Insurance Company of North America
- ACE Property and Casualty Insurance Company
- Atlantic Employers Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone | Monday-Friday: 7am-5pm PST Saturday: 8am-5pm PST Sunday: Closed | $100 $250 $500 $750 $1,000 | Unlimited | 50% 60% 70% 80% 90% |
Kanguro
- Year Founded: 2021
- Headquarters: 120 SW 8th St., Miami, FL, 33130
- Underwriter: Cimarron Insurance Company, Inc
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone Live Chat | Monday-Friday: 9am-7pm EST Saturday: 10am-2pm EST Sunday: Closed | $100 $200 $500 $700 $1,000 | $5,000 $8,000 $10,000 $15,000 $20,000 $30,000 | 70% 80% 90% |
Only Available In: AZ, AR, CO, FL, GA, IN, KS, LA, MD, MO, NE, NV, NM, NC, OK, OH, OR, SC, TN, TX, UT, VA, Washington DC
Lemonade Pet Insurance
- 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 |
|---|---|---|---|---|
| Phone Live Chat | Monday-Friday: 8am-8pm EST Saturday & Sunday: Closed | $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, FL, 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
MetLife Pet Insurance (previously PetFirst)
- 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 Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone Live Chat | Monday-Friday: 8am-9pm EST Saturday & Sunday: 10am-7pm EST | $50 $100 $250 $500 | $2,000 $5,000 $10,000 | 70% 80% 90% |
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 Live Chat | Monday-Friday: 5am-7pm PST Saturday: 7am-3:30pm PST Sunday: Closed | $250 | Limited Per Condition, Unlimited | 50% 70% 90% |
Odie
- Year Founded: 2019
- Headquarters: 29899 Agoura Road, Suite 110, Agoura Hills, CA 91301
- Underwriters: PrimeOne Insurance Company and Clear Blue Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Email 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
ManyPets
ManyPets entered the U.S. pet insurance market in 2021 and in 2024 it announced is departure. It partnered with Odie, which will offer terms for continuous support and coverage to ManyPets customers with policies renewing in 2025.
Wishbone Pet Insurance
Wishbone Pet Insurance is a program managed by Odie Pet Insurance Marketing, Inc. and is underwritten by Clear Blue Insurance Group.
Paw Protect
- Year Founded: 2022
- Headquarters: 4530 Richmond Rd, Cleveland, OH 44128-5757
- Underwriter: American Modern Home Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Email Phone | Monday-Friday: 9am-8pm EST Saturday: 10am-2pm EST Sunday: Closed | $100 $250 $500 | $5,000 $10,000 Unlimited | 70% 80% 90% |
Petco
- Year Founded: 2017
- Headquarters: 9125 Rehco Road, San Diego, CA 92121
- 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 |
|---|---|---|---|---|
| Email Phone Live Chat | Monday – Friday: 5am to 7pm PST Saturday: 7am – 3:30pm PST Sunday: Closed | $100 $250 $500 | $5,000 Unlimited | 50% 70% 80% 90% |
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% |
PetPremium
- 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
- Year Founded: 2005
- Headquarters: 2323 S. Vista Ave., Ste. 100, Boise, ID 83705
- Underwriters:
- American Pet Insurance Company
- Independence American Insurance Company (California only)
- Other companies that offer pet insurance through Pets Best: Farmers Insurance, Progressive, and PEMCO
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone 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% |
Sam’s Club Pet Insurance
Note: Pets Best offers a pet health insurance plan via Sam’s Club as well. Although Sam’s Club does not provide insurance, it does sell pet insurance on behalf of Pets Best, which will handle policy servicing. To save confusion, we advise getting your policy straight from Pets Best.
Physicians Mutual Pet
- Year Founded: 2022 (began offering pet insurance)
- Headquarters: 2600 Dodge Street, Omaha, NE 68131
- Underwriter: Physicians Mutual Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone Fax | Monday-Friday: 8am-5pm CST Saturday & Sunday: Closed | $150 $250 $500 $750 $1,000 | $5,000 $7,500 $10,000 $15,000 $25,000 Unlimited | 60% 70% 80% 90% 100% |
Only available in 34 states currently.
Prudent Pet
- Year Founded: 2018
- Headquarters: 5101 Darmstadt Rd, Hillside, IL 60162
- Underwriters:
- Markel Insurance Company
- Markel American Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone 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
- 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 |
|---|---|---|---|---|
| Phone | Monday-Friday: 8am-8pm EST Saturday & Sunday: Closed | $100 $250 $500 $1,000 | $5,000 $10,000 $20,000 Unlimited ($7,000 & $15,000 for Cats) | 80% 90% |
Spokk
- Year Founded: 2022
- Headquarters: 1 American Row, Hartford, CT 06102
- Underwriter: Spokk
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Not Listed | $0 | $50,000/month | 100% |
Spot
- 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 |
|---|---|---|---|---|
| Phone 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 Unlimited | 70% 80% 90% |
Toto
- 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 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
- 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 and Geico
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Live Chat Phone | 24/7 | $0-$1,000 (In $5 Increments) | Unlimited | 90% |
TrustedPals
- 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 | 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
- 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 | 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.
24Petprotect (formerly 24PetWatch)
- Year Founded: 2000
- Headquarters: 3315 Algonquin Road, Suite 310, Rolling Meadows, IL 60008
- Underwriters:
- United States Fire Insurance Company
- The North River Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone | Monday-Friday: 8am-8pm EST Saturday & Sunday: Closed | $100 $250 $500 $750 | $2,500 $3,000 $5,000 $7,000 | 70% 80% 90% |
Still Can’t Decide?
We have spent countless hours researching the pet insurance space and have extensive content to prove it. You can benefit from exploring our site to read individual company reviews, compare specific companies in our head-to-head showdowns, learn all the ins and outs of what is and what is not covered by pet insurance, and more. And if you’d like to get some free quotes for your four-pawed friend right now, you can do so via our quote form.
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 provider overall, as well as category winners for young pets, no-cap payouts, coverage, value, and newcomer. 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.
