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 Best
Overall
Best For Young Pets Best No-Cap Payouts Best
Coverage
Best
Value
Best
Newcomer
Company pets best pet insurance logo 250 png healthy paws pet insurance logo 250 png embrace pet insurance logo 250 png figo pet insurance logo 250 png lemonade pet insurance logo 250 png
Average Policy Price Variable Variable Variable Higher Lower Average
Policy Coverage Extensive Extensive Limited Extensive Extensive Limited
Customer Service & Reputation Good Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Average Claim Processing 7-14 Days 5-6 Days 2 Days 5 Days 3 Days 2 Days
Vet Direct Pay Option      
Plan Customization Options Many Many Restricted Many Many Many
  Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote
  Read Review Read Review Read Review Read Review Read Review 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.

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:

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

AKC Pet Insurance Logo

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  • 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%

Animalia

Animalia pet insurance logo 250

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  • Year Founded: 2023
  • Headquarters: 142 W. 57th Street, FL 11, New York, NY 10019
  • Underwriter: National Specialty Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement 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, 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

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  • 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 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

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  • Year Founded: 2019
  • Headquarters: 5910 Mineral Point Road, Madison, WI 53705
  • Underwriter: CUMIS Insurance Society, Inc.
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
EmailNot ListedVaries 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

Careeplus by Chewy logo

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  • Year Founded: 2022
  • Headquarters: 343 Congress St, Boston, MA 02210 and 7700 W Sunrise Blvd, Plantation, FL 33322
  • Underwriter: American Pet Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Video Chat
Live Chat
Phone
Email
24/7$250Unlimited70%
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

Companion Protect logo

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  • 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
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

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  • 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
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

Fetch by the Dodo logo

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  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement 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

Figo logo

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  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Text
Fax
Email
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

Fursure Pet Insurance logo

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  • Year Founded: 2020
  • Headquarters: 237 Kearny Street, Suite 9162, San Francisco, CA 94108
  • Underwriter: Not Listed
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
EmailNot 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

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 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

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  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Email
Monday-Friday: 7am-5pm 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

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  • Year Founded: 2020
  • Headquarters: 5 Crosby St. 3rd Floor, New York, NY 10013
  • Underwriter: Lemonade Insurance Agency LLC
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Live Chat
Email
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


ManyPets

ManyPets logo

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  • 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
Live Chat
Email
Monday-Friday: 9am-9pm EST
Saturday & Sunday: 10am-6pm EST
$0
$250
$500
Unlimited80%
90%
100%

Only Available In: AL, AK, AZ, AR, CA, CO, CT, DE, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MI, MS, MO, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.


MetLife Pet Insurance (previously PetFirst)

MetLife pet insurance logo 250

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  • 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
$2,000
$5,000
$10,000
70%
80%
90%

Nationwide Pet Insurance

Nationwide logo

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  • 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

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  • 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
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.


Paw Protect

paw protect logo 250

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  • Year Founded: 2022
  • Headquarters: 4530 Richmond Rd, Cleveland, OH 44128-5757
  • Underwriter: American Modern Home Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement 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

Petco insurance logo

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  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement 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

PetPartners Logo

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  • 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
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

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  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
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%

Physicians Mutual Pet

Physicians Mutual Pet logo

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  • Year Founded: 2022 (began offering pet insurance)
  • Headquarters: 2600 Dodge Street, Omaha, NE 68131
  • Underwriter: Physicians Mutual Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
Phone
Fax
Mail
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

Prudent Pet logo

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  • Year Founded: 2018
  • Headquarters: 5101 Darmstadt Rd, Hillside, IL 60162
  • Underwriters:
    • Markel Insurance Company
    • Markel American Insurance Company
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
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

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  • 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
Phone
Email
Monday-Friday: 8am-8pm EST
Saturday & Sunday: Closed
$100
$250
$500
$1,000
$10,000, $20,000 & unlimited for Dogs
$7,000 & $15,000 for Cats
90%

Spokk

Spokk logo

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  • Year Founded: 2022
  • Headquarters: 1 American Row, Hartford, CT 06102
  • Underwriter: Spokk
Customer ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
EmailNot Listed$0$50,000/month100%

Spot

Spot logo

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  • 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
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
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 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

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

TrustedPals

TrustedPals logo

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

Wagmo logo

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  • 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
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.


24Petprotect (formerly 24PetWatch)

24Petprotect logo

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  • 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 ServiceSupport HoursDeductible OptionsPayout OptionsReimbursement Options
PhoneMonday-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.

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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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