This content was reviewed by our licensed insurance agent, Michelle Schenker.
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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. The table below shows a sneak peek of our top picks for the best pet insurance.
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 Ranking | Best Overall | Best Value | Fastest Claim Processing | Best Multiple Pet Discount | Best Newcomer |
|---|---|---|---|---|---|
| Company | Pets Best | Figo | Healthy Paws | Embrace | Lemonade |
| Policy Coverage | Extensive | Extensive | More Limited | Extensive | More Limited |
| Customer Service & Reputation | Good | Excellent, Stable | Excellent, Stable | Excellent, Stable | Uncertain, New |
| Claim Processing (avg) | 10-30 Days | 3 Days | 2 Days | 5 Days | 2 Days |
| Vet Direct Pay Option |  |  | | | |
| Policy Price (avg) | Lower | Lower | Variable | Higher | Lower |
| Plan Customizations | Many Options | Many Options | Restricted Options | Many Options | Many Options |
| Read Review | Read Review | Read Review | Read Review | Read Review |
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.
- 24Petprotect (2000 as 24PetWatch)
- AKC Pet Insurance (2003)
- ASPCA Pet Insurance (1997)
- Bivvy (2019)
- Companion Protect (2015)
- Doggo (2020)
- Embrace (2003)
- Fetch by The Dodo (2003 under Petplan license; 2022 as Fetch)
- Figo (2013)
- Hartville (1997)
- Healthy Paws (2009)
- Lemonade Pet Insurance (2020)
- ManyPets (2021)
- MetLife (2004 as PetFirst; 2020 as MetLife)
- Nationwide Pet Insurance (1982 as VPI; 2015 as Nationwide)
- Odie (2019)
- Petco (2017)
- PetPartners (2002)
- PetPremium (2013)
- Pets Best (2005)
- Pets Plus Us (2012)
- Physicians Mutual Pet (2022)
- Prudent Pet (2018)
- Pumpkin (2020)
- Spokk (2022)
- 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:
24Petprotect (formerly 24PetWatch)
Visit Website | Full Review Of 24Petprotect
- Year Founded: 2000
- Headquarters: 3315 Algonquin Road, Suite 310, Rolling Meadows, IL 60008
- Underwriter: United States Fire 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% |
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 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% |
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: 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
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: 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
Companion Protect
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 Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Live Chat Phone FAQ | 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
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: 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
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 Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Email Social Media 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
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 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
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: 9am-6pm EST Saturday & Sunday: Closed | $100 $250 $500 | $2,500 $4,000 $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: 7am-4pm PST Saturday: 8am-5pm PST Sunday: Closed | $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 |
|---|---|---|---|---|
| Phone Live Chat FAQ | 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
- 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-9pm EST Saturday & Sunday: 10am-6pm EST | $0 $250 $500 | Unlimited | 80% 90% 100% |
Only Available In: AL, AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KS, KY, LA, ME, MD, MI, MS, MO, NE, NH, NM, NY, NJ, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY.
MetLife (previously PetFirst)
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 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 $2,500 | $2,000 $5,000 $10,000 | 70% 80% 90% 100% |
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 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 and Clear Blue Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement 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.
Petco
Visit Website | Full Review of Petco
- Year Founded: 2017
- Headquarters: 9125 Rehco Road, San Diego, CA 92121
- Provider: PetCoach, LLC (marketed under the Petco brand name)
- Underwriter: United States Fire Insurance Company (Crum & Forster)
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement 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
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 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
- 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 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
- 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 Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Phone 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% |
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 |
|---|---|---|---|---|
| FAQ 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
Visit Website | Full Review Of Prudent Pet
- Year Founded: 2018
- Headquarters: 5101 Darmstadt Rd, Hillside, IL 60162
- Underwriter: Markel Insurance Company
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| FAQ 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
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 | Monday-Friday: 8am-8pm EST Saturday & Sunday: Closed | $100 $250 $500 | $10,000, $20,000 & unlimited for Dogs $7,000 & $15,000 for Cats | 90% |
Spokk
- Year Founded: 2022
- Headquarters: 16192 Coastal Highway, Lewes Country of Sussex, Delaware, USA
- Underwriter: Spokk
| Customer Service | Support Hours | Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|---|---|
| Not Listed | $0 | $50,000/month | 100% |
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 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
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 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 | 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 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
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: 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.
Tagged With: Reviewed By Insurance Agent
