What’s The Best Pet Insurance Company For 2020?

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1st Healthy Paws logo
2nd Pets Best Logo
3rd
Figo Pet Insurance logo
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When a copperhead snake snuck up and bit Alyssa’s Doberman, Miles, on the muzzle, she didn’t think twice about rushing her pup to the vet. But the $600 vet bill stopped her in her tracks. Miles was fine after a dose of antivenom and some TLC, but Alyssa’s bank account is still recovering.

Melissa’s Bichon Frise, Fenway, needed not one but two knee surgeries to repair subluxated patellas, a relatively common orthopedic problem in the breed. Melissa ended up shelling out more than $4,000 to get Fenway back up and running again.

Looking back, Alyssa and Melissa wish they had considered pet insurance more seriously before their dogs experienced such costly vet bills. While both chose to move forward with shelling out the money for the expensive procedures, other parents don’t have this option.

Article Overview

Pet Insurance Checklist

Want to understand pet insurance? We’ve put together a checklist for you:

  1. Use our quote form widget to get free price quotes from several top pet insurance carriers. You can also open our pet insurance quotes to see examples of pricing.*
  2. See how others compare to our top 3 pet insurance picks by reading about the rest of the pack.
  3. Become an expert on pet insurance yourself by learning more.
  4. Read some surprising pet insurance statistics.
  5. Still confused? Get to know the pet insurance lingo with our terminology cheat sheet.

*You should expect annual increases on your premiums from any pet insurance company. These rates and increases will vary based on your location, changes in vet costs, and more.

Ratings Of Policy Pricing

Get Free Pet Insurance Quotes

The cost of each pet insurance policy is unique to your pet. It is calculated based on a vast number of variables, including but not limited to your pet’s age, breed, location (e.g., where you live), health conditions, etc.

We calculate our “price of policy” ratings based on quotes we run in addition to reader and consumer feedback. Since the price for your pet may vary significantly from that of others for a given provider, we encourage you to get quotes from multiple companies.

1st Place: Healthy Paws

Healthy Paws App Screenshots

All scores are on a scale of 1 to 5, with 1 paw being the worst and 5 paws being the best.

Healthy Paws logo 1st
Overall Ranking 4.65 / 5.00
Policy Coverage 4.25 paws Visit Website
Customer Service & Reputation 4.75 paws
Timeliness of Claim Payment 4.75 paws
Price of Policy 4.75 paws

Why Do We Consider Healthy Paws The Winner?

  1. Lots Of Plan Options With No Caps – Healthy Paws offers four annual deductible levels ($100, $250, $500 or $750), four percentage options for actual vet bill payouts (60%, 70%, 80% or 90%) and no cap (per-incident, lifetime or otherwise) on any of its claims.
  2. No Yearly Limits – Once you meet your annual deductible, all policy-covered incidents will be paid during that year, while most companies reimburse after you reach each incident deductible. So, if your pet is susceptible to trouble more than once a year or you just want to be on the safe side, this plan could be a good fit.
  3. The Best Customer Service – Healthy Paws has some of the best customer service reviews in the business.
  4. Low Premium Prices – Most consumers report lower premium prices for similar coverage (unlimited lifetime benefits with no claim limits).

Coupon Code

Use this link and you will automatically receive up to a 5% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated Healthy Paws promotions page to discuss current offers.

Read Our In-Depth Review Of Healthy Paws

2nd Place: Pets Best

Pets Best Screenshot of App

All scores are on a scale of 1 to 5, with 1 paw being the worst and 5 paws being the best.

Pets Best logo 2nd
Overall Ranking 4.55 / 5.00
Policy Coverage 4.75 paws Visit Website
Customer Service & Reputation 4 paws
Timeliness of Claim Payment 4.75 paws
Price of Policy 4.75 paws

Why Did We Choose Pets Best As Our #2 Pick?

  1. True Emergency Only Option – Pets Best offers an “Accident Only Plan” to cover you in case of emergencies, but it does not include exam fees or specialty treatments. This plan has a $10,000 annual limit with a $250 deductible and 90% reimbursement, making it one of the least expensive pet insurance options.
  2. Low Pricing – Pets Best was consistently among the least expensive pet insurance companies when we ran quotes.
  3. Customer Service Options – It offers live chat, phone, email, fax, and FAQs to answer your questions. We’re also impressed with its 24/7 Pet Helpline, which allows you to speak with a vet expert any time of day.
  4. Customizable Plans Tailored To What You Want – You choose what coverage you want to pay for instead of paying more for stuff you don’t want. Deductible options are from $50-$1,000, reimbursement is available for 70%, 80%, or 90%, annual limit is $5,000 or unlimited, and it offers two wellness plans.

Coupon Code

Pets Best offers two discounts that you may be eligible for when you use this link:
  • 5% multi-pet discount
  • 5% discount for military members and their families
You can also visit our dedicated Pets Best promotions page to discuss current offers.

Read Our In-Depth Review Of Pets Best

3rd Place: Figo

Figo App Screenshots

All scores are on a scale of 1 to 5, with 1 paw being the worst and 5 paws being the best.

FIGO logo small 3rd
Overall Ranking 4.50 / 5.00
Policy Coverage 4 and a half paws Visit Website
Customer Service & Reputation 4 paws
Timeliness of Claim Payment 4.75 paws
Price of Policy 4.75 paws

Why Is Figo Our #3 Pick?

  1. 100% Reimbursement Available – Figo is the only pet insurance company in our reviews to offer 100% reimbursement for claims. If you want your full claims covered, Figo may be the company for you.
  2. Low Pricing – Figo was consistently among the least expensive pet insurance companies when we ran quotes.
  3. Customer Service Options – You can reach Figo in many ways, including phone, text, live chat, email, fax, Facebook Messenger, or Twitter.
  4. Fully Customizable Plans – Pet owners considering Figo can create a plan to best meet their needs and budget with a choice of maximum annual coverage amount ($5,000, $10,000, and unlimited coverage), annual deductible ($100 to $750), and reimbursement rate (70%, 80%, 90%, or 100%). Depending on the pet’s location and age, you may qualify for additional options, including a deductible between $50 and $1,500 and/or a 60% reimbursement rate.

Coupon Code

Our readers have access to an exclusive 5% off a new Figo pet insurance policy - just use this link to get started.

Read Our In-Depth Review Of Figo

The Rest Of The Pack

Get Free Pet Insurance Quotes

Visit our pet insurance reviews for a full list of companies we include in our annual review. That review goes above and beyond this comparison by including in-depth reviews of each provider with pros and cons.

What Is Pet Insurance & Is It Worth It?

Still not sure whether you need or understand pet insurance? We created a pet insurance 101 guide, which includes:

  • What Is Pet Insurance?
  • How Does It Work?
  • Why Do I Need It?
  • What Does It Cover?
  • How Much Is Pet Insurance?
  • Is Pet Insurance Worth It?
  • Real Reimbursement Stories

Pet Insurance Facts & Stats (Infographic)

Reasons To Get Pet Insurance Inofgraphic

What Could Possibly Go Wrong?

For those of you still on the fence, you’re probably wondering what kind of common scenarios your pup might get into when pet insurance would apply. Check out our list of common dog health issues to get an idea. For example, removing lumps and bumps is one of the most common surgeries for dogs and can cost more than $1,000 each time.

That’s a lot of money that you weren’t planning to spend, and many people don’t have that amount of cash lying around. Insuring your pet can lift that weight off you so you can focus on enjoying your time with your pets instead of worrying about having to pay for unexpected medical bills.

Have you had experiences (good or bad) with pet insurance?

About The Author:

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. 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.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing 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 pet health 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.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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