Pet Insurance Comparison 2019: Who’s Best?

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When a copperhead snake snuck up and bit Alyssa Singer’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 Vincent’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.

Pet Insurance Reviews

Pet insurance has been a growing industry and a passion of ours since 2007. We work hard to bring you honest, unbiased reviews by conducting research and getting customer feedback.

Below are our top three picks for pet insurance this year, including our review criteria and factors we consider most important when it comes to your pet’s health and well-being.

We consistently update our reviews, so be sure to check in regularly for the most current information.

BestRunner-Up3rd Place
Healthy Paws logoPets Best logoFIGO logo small

4.65 / 5.00

4.55 / 5.00

4.50 / 5.00

Read ReviewRead ReviewRead Review
Visit WebsiteVisit WebsiteVisit Website

Finding the best pet insurance can be a daunting task. That’s why we’ve done in-depth research and spoken with real customers to bring you our top 3 picks.

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

  1. Get Free Pet Insurance Quotes

    Open our pet insurance quotes to see an example of who offers the lowest prices.*
  2. See how others compare to our top 3 by reading about the rest of the pack.
  3. Become an expert on pet insurance yourself by learning more.
  4. View our infographic to see some surprising statistics and fun facts.
  5. You may want to open up our pet health insurance terminology page for an easy side-by-side reference.

*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.

Price Of Policy Ratings

Pet insurance stands out among our reviews in that the cost of each policy is unique to your pet and 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 and so forth.

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

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

Healthy Paws logo1st
Overall Ranking4.65 / 5.00
Policy Coverage4.25 pawsVisit Website
Customer Service & Reputation4.75 paws
Timeliness of Claim Payment4.75 paws
Price of Policy4.75 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 HealthyPaws promotions page to discuss current offers.

Read Our In-Depth Review Of Healthy Paws

2nd Place: Pets Best

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

Pets Best logo2nd
Overall Ranking4.55 / 5.00
Policy Coverage4.75 pawsVisit Website
Customer Service & Reputation4 paws
Timeliness of Claim Payment4.75 paws
Price of Policy4.75 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 unplanned 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 options for pet insurance.
  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 help 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%, and it offers two wellness plans.

Coupon Code

Our readers have access to an exclusive PetsBest discount of 5% off BestBenefit plans for the first year! Just use this link to get started (Eligible in all states except AK, FL, HI and TN and does not apply to accident-only plan or wellness rider). 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

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

FIGO logo small3rd
Overall Ranking4.50 / 5.00
Policy Coverage4 and a half pawsVisit Website
Customer Service & Reputation4 paws
Timeliness of Claim Payment4.75 paws
Price of Policy4.75 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 ($10,000 to unlimited coverage), annual deductible ($100 to $750) and reimbursement rate (70%, 80%, 90% or 100%). Depending on location and age of pet, 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

Here’s a list of companies we include in our annual pet insurance reviews (goes above and beyond this comparison by including in-depth reviews of each provider with pros and cons) with their founding year:

  • First: Healthy Paws 2009
  • Second: Pets Best 2005
  • Third: Figo 2013
  • 24PetWatch 2000
  • AKC Pet Healthcare 2003
  • ASPCA/Hartville Pet Insurance 1997
  • Embrace 2003
  • Nationwide acquired VPI in 2014 and started selling pet insurance as Nationwide (VPI founded in 1982)
  • PetFirst 2004
  • Petplan U.S. 2003 (Petplan started in the UK in 1976)
  • Trupanion 2000

We Do Not Review New Entrants

Many new pet insurance companies are popping up due to the popularity and high demand.

In the past, we’ve seen new companies enter the pet insurance space at meager prices. However, after some time in business and paying some claims, these companies increase rates to make ends meet. This ends up hurting the customers because their premiums increase drastically — and if they submitted a claim, their pet now has a pre-existing condition. So, if they change providers, that condition will not be covered by another pet insurance provider. In the end, they may have been better off going with a different, more well-established company.

Because of these issues, we’ve decided only to review pet insurance companies that have at least 5 full years of national experience. We think this approach gives companies time to establish a consistent pricing system and reputation, which helps give customers and us a better idea of what to expect.

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

This helpful guide gives you a good understanding of your options when it comes to insuring your furry family members.

What Are The Benefits Of Pet Insurance?

This video is a useful introduction to dog insurance and the benefits of owning a policy.

Reasons To Get Pet Insurance (Infographic)

Reasons To Get Pet Insurance Infographic

To share this infographic on your site, simply copy and paste the code below:

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 most of us don’t have that amount of cash lying around. Insuring your pet can lift that weight off of you so you can focus on enjoying your time with your four-pawed friends instead of worrying about having to pay for unexpected medical bills.

Got more questions? Hit us up in the comments below.

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

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.

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 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.

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Pam M
I would usually be the last person to rave about any insurance, but my experience with Healthy Paws has been nothing short of perfect. I have a 5 Year old Vizsla who is a runner, climber and very active dog. I had been on the fence about pet insurance for years. A friend’s pup tore an ACL, a $4K surgery. I thought I’d signup before my dog turned 5. Several months later, what my vet initially thought was kennel cough turned out to be heart failure due to grain free food. Several echocardiograms, X-rays, and ekgs, and 5 prescriptions per month would have put me out of pocket at least $6K over the past 6 months. Thankfully I opted for the 90% reimbursement. I’m reimbursed within a few days. Submitting claims with an app and photo and done. Thank you Healthy Paws!
Don Hirschfeld
I put in a vet bill for removing rotted teeth and operating on gun disease. Healthy Paws Rejected claim.I didn’t read the fine print
They claim the mouth isn’t covered, what else isn’t covered eyes?,ears, nose and probably whatever your dog has . I paid in about $1500 maybe they don’t start paying until you pay in $5000. Oh and don’t forget the $200 deductible and 20% copay.
My rating 1 star.
Tim
Don,

We’re never happy when we can’t cover a claim for one of our clients. We make every effort to be transparent throughout our website, during the enrollment process and in the policy documents available to each client in their online Healthy Paws account regarding the limited exclusions of our policy. Those exclusions are pre-existing conditions, preventative/routine care and the office visit fee. Anyone visiting our website can see this information on our “Benefits, Coverage and Exclusions” page.

Our complete accident and illness plan covers injury to the teeth if it is caused by an accident, including extractions and reconstruction of damaged teeth. Like some other pet insurance companies, our plan does not cover the regular dental care required to maintain dental hygiene for the pet. By making routine dental cleaning part of the pet parent’s financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. Our policyholders value comprehensive accident/illness coverage and unlimited benefits at reasonable rates, which is why they choose to assume the responsibility of paying for those costs.

The Healthy Paws Team

Tom Piegari
My experience with Healthy Paws over the three years I have been with them is two rate increases. The increases have not been due to claims. Healthy Paws explains the increases are because of the type of dog ( English Bulldog) and my location (Danville, CA ). I have decreased my reimbursement level and deductible amount to partially offset the amount of the increases. I haven’t seen the upside of being with Healthy Paws pefhaps because I have not had a lot of claims. I will start to look at alternatives closely in the future.
Diana
Hi Tom,
Thank you for taking your time and sharing the information. I am in the process of researching what pet insurance would be the best choice for me. I was leaning toward Healthy Paws but now… Very disappointed that they couldn’t even respond to your post.
Good luck!
Wayne
Hi, Kimberly, Thanks so much for cautioning this. I just confirmed with Pets Best and unfortunately they are the same as Petplan and consider themselves as excess (secondary) if any other insurance is in force. So Pets Best and Petplan combo won’t work.

The only hope is some provider is willing to step up as the primary, then Pets Best can works as a secondary. However, in that case, it would be a drastic change from my original idea (noted on December 23 above) of having the current Pets Best policy as the primary and have the following cons:

1) Higher upfront costs (doubling premium and deductible), say, on the order of $700/year or $7,000/10 years in a hypothetical scenario. This does not sound worth it from an insurance point of view; i.e., you could save that cost and take the risk and pay out of pocket if such a huge expense occurs.

2) Complicated claim process (more headaches, involving two providers). Now the primary is a new policy, which does not cover certain pre-existing conditions, which are probably the common occurring conditions at the moment and will have to be covered by the secondary policy.

Like you suggested on Dec 28, at this point, it does not seem worthwhile to get a second plan at all.

Wayne
1) Just got Figo medical record review report back. They found two pre-existing conditions with our dog (small, mixed breed, bichon-poodle):

“Based on the medical records submitted, these are the clinical signs and symptoms of conditions noted by your veterinarian:
a) Suspect Allergies (Year/Date)
b) Medial luxating patella – grade II/IV bilaterally (Year/Date)
… if there is any condition that were to arise found to be related to allergies or knees, it may be deemed as pre-existing.”

On the positive side, they did not mark our dog’s periodontal/dental disease, which is considered curable.

2) Petplan’s medical record review is still underway – will take 30-40 days.

I’m just thinking aloud: guess such conditions could be considered very similarly by different providers, and thus Petplan could treat those as pre-existing as well, although their definition could differ slightly. At this point, perhaps it would make no sense to switch from our current Pets Best plan (unfortunately with a $5,000 annual max, no non-routine dental coverage) to a new plan (with high max and dental) any more, as such pre-existing conditions could be expensive.

Could somebody with more experience on medical record review comment or share your insight? Many thanks in advance.

Wayne
Hi, Kimberly,

Figo is turning 6 years in two weeks. Would love to see your review on this young provider. They do have some attractive features and I’ll have to decide between Figo, ASPCA, and Petplan. It may sound stupid, but I had to enroll in Figo and Petplan to be eligible for their medical record review in order to determine which conditions are not covered. I also enrolled in ASPCA, which does not offer such a review. All three providers claim to offer non-routine dental coverage, which is the main reason for us to switch away from the current Pets Best plan (with $5,000 annual max) with no dental coverage whatsoever.

Today is my last day of 30-day trial for both. For our 6-year old bichon-poodle mix (12 lbs) in northern California, with unlimited coverage, $300 deductible, and 90% reimbursement, Figo’s monthly premium is $56.35, ASPCA’s $64.91, while Petplan’s $120.02 (even after the 5% discount from your link). One minor point: I did find Figo charged my next month’s premium on Day 24 of our enrollment, 6 days earlier than it’s supposed to be.

I understand Petplan and ASPCA are more established than Figo, which seems too young to have a track record to be compared with, but now that it’s almost 6 years old, it would be great to see your verdict on Figo. That would help me a lot with our decision. Thanks so very much in advance.

yannie
Hi? What is the problem why my dog is not eating any kind of food?
Stephanie
Can you please tell me which company would be best for a French bulldog given all of their potential health problems. I currently have nationwide but it seems they have very poor reviews. My puppy is 6 months old and no health issues yet
darcy
have you seen the yelp reviews for Pets Best? Why are you recommending this company??
Wayne
We got denied coverage from Pets Best in April 2018 for our small dog’s tooth extractions ($1,700) that were performed to treat periodontal disease. Here’s EOB from the denied claim:
“The condition being claimed is related to progressive periodontal disease. Progressive periodontal disease and conditions secondary to periodontal disease are not part of policy coverage. Please refer to the “Exclusions Applicable to All Plans” section in your Policy Form.”

However, according to https://www.caninejournal.com/is-pet-insurance-worth-it/#terms, “Non-Routine Dental” is covered by Pets Best. So I’m a bit puzzled by the accuracy of the info listed here. Can anybody clarify?

Thanks.

Wayne
Hi, Kimberly,

Thanks so much for your informative reply! I just dug out our policy (file downloaded: POL_IHC_5_PETS_PolicyBookletAnnualIllness_CA_v1.pdf). We are in California and have Pets Best $5,000 annual max plan for our five-year old bichon-poodle boy (he will be six in a few days).

The policy lists the following Items #23, #24 for Exclusions, without mentioning any of the conditions you noted above in order to obtain coverage for periodontal disease:

“23. Claims for teeth cleanings, except as provided under the Wellness Benefit if purchased. Gingivitis and progressive periodontal disease caused by the accumulation of tartar is not a covered expense.

24. Dental health care, however if injury to teeth is caused by an Accident, we do cover the cost of extractions of damaged teeth and of reconstruction of upper and lower canine teeth.”

We enrolled in the current Pets Best plan 2.5 years ago when our body was three. Had no idea then he would be prone to periodontal disease….

We are considering whether to switch to another plan with Pets Best or start with another company all over again. Any suggestions would be very much appreciated.

Best,
Wayne

Wayne
Hi, Kimberly,

Thanks so much for reminding of pre-existing exclusions! In our case, in addition to the consideration of dental coverage, another motivation is to switch to a plan with no max, because our current Pets Best plan has a $5,000 annual max, which could be easily maxed out in the event that something serious happens. I called Pets Best today and was surprised to find out that even if we upgrade to such a plan within Pets Best, it would actually be considered as a new policy and pre-existing exclusion would apply. Our dog does have allergy, which is covered now, but would fall into this category to be excluded if we switch to any new plan (with the same or a new carrier).

Pets Best CSR also confirmed that they do not have any plan that covers non-routine dental (except for accidents).

Meanwhile, Pets Best offers a stand-alone Cancer Only plan, for ~$15/month ($200 deductible, 90% reimbursement), which can be purchased separately. Seems an option to consider, but cancer is not the only expensive condition that could happen to dogs (in our case, Bichon Poodle mix, 11 pounds). Other conditions like diabetes and knee problems would cost a fortune too.

I also called PetPlan. They do offer dental coverage for gum/periodontal disease, which is considered curable with no pre-existing exclusions! But they require a 1-year waiting period for this, which doesn’t sound bad. But again, if we switch, we would lose our current coverage for allergy. So far, allergy only costs a couple of hundred dollars a year (even without insurance), but gum disease cost $1,800 this year alone. So in principle, we would live with it if we trade dental for allergy coverage. But I’m not sure which one would be more expensive down the road, and was told allergy can stay forever.

It would be a hard decision. Neither one is ideal. Could go with two plans combined, but that won’t be cost effective either…

I’m trying to make a decision soon and take action before our dog turns 6-years old in a few days.

Any timely suggestions would be very much appreciated.

Thankfully,
Wayne

Jonathan Kov
Looking to buy a plan just to protect myself in the event of a major expense. PetsBest offers a plan with an unlimited annual limit, $1000 deductible, and 70% reimbursement rate for $10.35 per month. Lets pretent my 2 year old dog needed a $8000 procedure. Thus, this procedure would cost me $2100. ($8k, less 1K, times 30%) Obviously if I up the reimbursement rate or lower the deductible, my monthly rate would increase. Has anyone else done it this way? Does anyone have a pos/neg opinion on PetsBest? Thanks
Michelle
My labradoodle has a CCL tear and is in need of a $5,000 surgery. I currently don’t have insurance. From what I hear, it is common for dogs to eventually have the same issue in the other leg. As of now, his right leg is fine. If I was to sign up for insurance now, I know the surgery he needs now on his left leg wouldn’t be covered because it was pre-existing. But, what if he gets a CCL tear in his good leg a year from now? Would that be covered since it is a different leg or would it be considered pre-existing since he already had the same issue in the left leg?
Kay
Good morning,
My Cat was diagnosed with a benign hemangioma (basically a bloody non-cancerous tumor) on his toe and the hemangioma and the toe was completely removed. The vet considers him cured. Would insurance agencies still consider this a pre-existing condition even if non-cancerous, removed and considered cured?

Thanks!

Brian
I have a Aussiedor that recently ingested a piece of a toy and had to undergo surgery to remove it. He’s only 7 months old currently and unfortunately I didn’t have pet insurance at the time. The surgery went well and he’s ok now but I am now looking into pet insurance after having to spend such a large amount of money on the surgery. If he was to ingest something in the future and require surgery again would the claim be denied?
Michelle Schenker (Admin)
Great question Brian and I think the answer would depend on the company. I would suggest that you call the companies you are considering and ask them about your specific question to see whether it would be considered a preexisting condition or not.
Mel
Shopping for pup insu now. Dental coverage is important to us, who does or does not include it and who has best dental?
Michelle Schenker (Admin)
Non-routine dental is covered by most major companies. In fact, every company we reviewed offers this except for 24PetWatch and PetFirst. You can see these details and more here: https://www.caninejournal.com/is-pet-insurance-worth-it/#what-does-it-cover

If you are looking for routine dental cleanings to be included, you will probably want to explore adding a wellness component to your policy. Not every wellness plan has this coverage though so be sure to read carefully. We would recommend adding BestWellness to a PetsBest insurance plan. https://www.caninejournal.com/pet-wellness-plans/#pets-best

Mark
I almost when with petsbest until i asked about what is required to maintain dental coverage (i asked because it is. Ot in the policy) i was told that a yearly cleaning was required regardless if they need it or not, i said that my vet (and many others) recommend against cleaning unless needed due the the risk of being put under which is especially true of an older dog. Anyways i asked them to point to the language “dental cleaning required every year to maintain coverage” in the policy and they sent me the same policy that I reviewed that had no such language and said “we are very clear in our polanout the dental coverage” yet when asked again they answered with the same response. I am very leary about all of these companies if you look at the policys the language is very vague and limited to give them lots of latitude in approving claims. I have no doubt that if you have a healthy no prexisting condition Fido and breaks his leg it will be covered as well as Cancer, but more common things like teeth or say swollowing an object twice in one period will be depending on the insurer and the sneeky language contained in the policy itself.
Bernemom
Just got a 9 week old bernedoodle puppy, first generation from a Bernese mom and standard poodle dad (he’s gonna be a big boy!). Read all of your great information here (THANK YOU!) and given that we have a puppy, I’m leaning towards Healthy Paws. Just wondering if you have any thoughts / experience on how these companies handle annual rate increases. From reading many comments, it seems that even if costs seemed reasonable in the beginning, many folks have faced the issue of major premium increases.
ben
i have a 5 yr old rescue. Currently have Nationwide/VPI and they want me to renew at a price near $950. we have their major medical plan with wellness plus rider. This seems like a very high price. Any suggestions on other plans would be appreciated.

PS- ion the paperwork from the adoption agency it has a pre-existing skin issue that the vet has determined no longer exists will the condition ever be covered?

Lynn
As others have mentioned, it seems every single pet insurance company has horror stories. Any company will do its due diligence to try to find any little thing in your dog’s past that can be used against you to say it’s a pre-existing condition. If they can’t, then they’ll cover it.
I can already see how hard Pets Best pushes to try to get that proof. We are in the process of our first (very simple) claim to try to get credit toward our deductible for <$20 of anxiety meds. PB wants everything but the kitchen sink from our vet/us. So now I realize, they have her full records, and let's say…if she has any future stomach issues, they'll use it against us that she saw a vet (the week before her coverage began) for being sick from eating poop in the woods. Even though I know any GI issues in the future are unrelated, they'll still say it's pre-existing.
Note that some of these companies don't allow repeat occurrences within 12 months, either. Like, if your dog gets an ear infection and it's covered once, then gets another one within 12 months, they'll deny it. I've read many, many comments to that effect.
Just be smart. Know what's in your dog's records, and think to yourself if it's honestly worth it to try to have Illness coverage. Look at it from the insurance company's eyes and try to imagine what they'll use against you. Do you really want to pay premiums for years, only to find out everything is "pre-existing" when the time comes to use your policy?
I think we're going to go with Accident-Only, and that's that.
Rainu
Is healthy paws the only one of your top 3 that has “Unlimited lifetime coverage so no annual or per incident limits on claims”?
I thought ‘pets best’ also had no annual limits? But do they have “limited lifetime coverage and per incident limits on claims”?

Does petbest coverage of hip displaysia after age 6 get reduced as well?

Audrey
I have Pets Best since 2 years ago and I love it. It had saving me a looot of money. I got when I got my cat, and until now he only had has sickness so everything it’s been covered.
Melissa Fargo
Besides Trupanion do any others pay the vet directly minimizing your out of pocket payments?
Rikki
Good morning,

Thank you for all the great information. I love that fact that you are answering every comment too. very awesome!!

My Question: is there something wrong with Geiko/Nation Wide/Progressive? I am looking at Nation Wide right now and quoted me at 43 for emergencies and wellness. looks like Nation has their own through petinsurance.com where as Progressive runs through Pets Best.

regards,

yukip
I wanna get the Healthy Paws pet insurance for my dog but they don’t offer the wellness plan. So what should I do?
Juddpaynter
Seems to me that none of these insurances are perfect. They all have negative feedback on other websites.