This content was reviewed by our licensed insurance agent, Michelle Schenker.
To keep the lights on, we receive affiliate commissions via some of our links. Our review process.
We review the pet insurance industry’s most reputable companies, conduct extensive research, and analyze customer feedback. Our licensed insurance agent fact checks everything, and we update our coverage throughout the year as providers change their policies, premiums, payout limits, reimbursements, customer service experience, and more. Who are the best pet insurance companies this year? Let’s find out.
| 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) | 7-14 Days | 3 Days | 2 Days | 5 Days | 2 Days |
| Vet Direct Pay Option |  |  | | | |
| Policy Price (avg) | Lower | Lower | Variable | Higher | Average |
| Plan Customizations | Many Options | Many Options | Restricted Options | Many Options | Many Options |
| Read Review | Read Review | Read Review | Read Review | Read Review |
- Category Winners
- Pet Insurance Plans Comparison Chart
- Cost And Coverage Comparisons
- Free Pet Insurance Quotes
- More Companies Reviewed
- Don’t See Your Company?
- Why Trust Our Reviews?
- What Is (And Isn’t) Covered By Pet Insurance?
- Which Pet Insurance Company Is Best For You?
- Frequently Asked Questions
- Best Pet Insurance Providers By Value And Needs
Category Winners
Who wins our coveted categories this year? Below we highlight a brief snapshot of each company, your options for deductibles and reimbursement amounts, and what stands out in terms of coverage and exclusions. We encourage you to get a quote and compare rates from at least three companies, and read our in-depth reviews of those you are interested in.
Best Overall – Pets Best
Pets Best offers excellent coverage, an “accident-only plan,” and has no upper age limits.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: once healed or cured | Deductible: $50, $100, $200, $250, $500, $1,000 | Behavioral therapies | Bilateral conditions (conditions or diseases that affect both sides of the body) |
| Pricing: lower on average | Reimbursement: 70%, 80%, 90% | Exam fees for an extra fee | Alternative/holistic therapies |
| Waiting periods: 14 days for illnesses and hip dysplasia, 3 days for accidents, 6 months for cruciate ligament, and 1 day for wellness | Payout: $5,000, unlimited | 2 optional wellness plans | |
| Claim processing: averages 7-14 days | Limit term: annual | Pet is covered in the U.S., Canada, and Puerto Rico | |
| Transaction fee: $2/month | |||
| Multi-pet discount: 5% |
Promo Code
Pets Best offers the following discounts:
- 5% off for multiple pets
- 5% off for military members and their families
Use this link to take advantage of the best possible price. No promo code is needed. You can also visit our dedicated Pets Best promotions page to learn more.
Learn More In Our Complete Pets Best Review
Best Value – Figo
Figo has some of the lowest prices in the industry without sacrificing coverage.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: after 1 year free from treatment and symptoms | Deductible: $100, $200, $250, $500, $750 | Behavioral therapies | Bilateral conditions (conditions or diseases that affect both sides of the body) |
| Pricing: lower on average | Reimbursement: 70%, 80%, 90%, 100% | 2 optional wellness plans | |
| Waiting periods: 14 days for illnesses, 1 day for accidents (depending on the state), and 6 months for cruciate ligament, knees, and hip dysplasia | Payout: $5,000, $10,000, unlimited | Exam fees for an extra fee | |
| Claim processing: averages 3 days, but 50% closed within 24 hours | Limit term: annual | Alternative/holistic therapies | |
| Transaction fee: $2/month (can be waived if you pay annually) | Pet is covered within the U.S., Canada, and Puerto Rico | ||
| One-time fee: $15 | |||
| Multi-pet discount: 5% |
Promo Code
Figo offers the following discounts:
- 5% off any new Figo pet insurance policy (exclusive for Canine Journal readers – use this link)
- 5% off for multiple pets
- Your deductible automatically goes down $50 each year you don’t receive a claim payment
Use this link to take advantage of the best possible price. No promo code is needed. You can also visit our dedicated Figo promotions page to learn more.
Learn More In Our Complete Figo Review
Fastest Claim Processing – Healthy Paws
Healthy Paws offers unlimited payouts for all plans, making it an excellent option for those wanting no limits to your benefits.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Pricing: highly variable | Deductible: $100, $250, $500, $750, $1,000 | Pet is covered within the U.S. or Canada (up to 3 months) | Pre-existing cruciate ligament problems excludes coverage for both knees |
| Reputation: excellent | Reimbursement: 50%, 60%, 70%, 80%, 90% | Behavioral therapies | |
| Waiting periods: 15 days for illnesses, accidents, and cruciate ligament and 12 months for hip dysplasia | Payout: unlimited | Exam fees | |
| Claim processing: averages 2 days | Limit term: annual | Wellness care | |
| Restrictions: pets enrolled after age 6 | One-time fee: $25 (not applicable in all states) | Alternative/holistic therapies | |
| Pets enrolled after age 6 aren’t eligible for hip dysplasia coverage | |||
| Pets enrolled after 4 in NY | |||
| Doesn’t cover curable pre-existing conditions |
Promo Code
Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.
Learn More In Our Complete Healthy Paws Review
Best Discount For Multiple Pets – Embrace
Embrace’s excellent reputation and thorough coverage often costs more than competitors.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: after 1 year free from treatment and symptoms | Deductible: $200, $300, $500, $750, $1,000 | Behavioral therapies | Bilateral conditions (conditions or diseases that affect both sides of the body) |
| Pricing: higher on average | Reimbursement: 70%, 80%, 90% | Exam fees | Pets enrolled after 14 for illness |
| Reputation: excellent | Payout: $5,000, $8,000, $10,000, $15,000, $30,000, unlimited | Optional wellness plan (not available in RI) | |
| Waiting periods: 14 days for illnesses, 2 days for accidents, 6 months for orthopedic conditions (can be decreased to 14 days with an orthopedic report card*) | Limit term: annual | Up to $1,000/year for dental illness | |
| Claim processing: averages 5 days | One-time fee: $25 | Alternative/holistic therapies | |
| Transaction fee: $1/month | Pet is covered worldwide | ||
| Multi-pet discount: 10% (5% in NY) |
*An orthopedic report card is a veterinary exam and waiver process designed to assess any bone or muscle deformities in your dog. To reduce the six-month waiting period for orthopedic conditions, take your dog to the vet and have an orthopedic exam conducted after your policy is purchased. Your vet will record any health findings for your dog’s hips, legs, shoulders, forelimbs, spine, joints, and bones. You can learn more about Embrace’s orthopedic exam and waiver process for dogs.
Promo Code
Embrace offers the following discounts:
- 10% off (5% off in NY) for multiple pets
- 5% off for military and veterans (NY and TN excluded)
- 10% off if your company or clinic offers Embrace as an employee benefit (FL, ND, NY, and TN excluded)
- 5% off in NY if you pay annually
- Up to 25% off for eligible USAA customers
- Your deductible automatically goes down $50 each year you don’t receive a claim payment
Use this link to take advantage of the best possible price. No promo code is needed. You can also visit our dedicated Embrace promotions page to learn more.
Learn More In Our Complete Embrace Review
Best Newcomer – Lemonade Pet Insurance
Lemonade has an AI-driven claims process and is new to pet insurance but has been offering homeowners and renters insurance since 2016.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: after 1 year | Deductible: $100, $250, $500 | Exam fees for an extra fee | Bilateral conditions (conditions or diseases that affect both sides of the body) |
| Pricing: lower on average | Reimbursement: 70%, 80%, 90% | Two optional wellness plans | Coverage for physical therapy, acupuncture, and hydrotherapy must be purchased separately |
| Waiting periods: 2 days for accidents, 14 days for illnesses and hip dysplasia, and 6 months for cruciate ligament | Payout: $5,000, $10,000, $20,000, $50,000, $100,000 | Behavioral therapies | |
| Claim processing: averages 2 days | Limit term: annual | Pet isn’t covered outside of the U.S. | |
| Availability: only in 37 states and DC | Multi-pet discount: 5% | ||
| Restrictions: specific breeds, once reach a certain age |
Promo Code
Lemonade offers the following discounts:
- 10% off if you bundle with your renters, homeowners, auto, condo, or co-op insurance
- 5% off for multiple pets
Use this link to take advantage of the best possible price. No promo code is needed.
Learn More In Our Complete Lemonade Review
Pet Insurance Plans Comparison Chart
The table below shows some of the deductible, reimbursement, and payout options for each company.
Please know that not all deductible, reimbursement, and payout limits are available for every dog in every state.
| Company | Review | Deductible* | Reimbursement** | Payout Options*** | Limit Term |
|---|---|---|---|---|---|
 | Read Review | $50, $100, $200, $250, $500, $1,000 | 70%, 80%, 90% | $5,000, Unlimited | Annual |
 | Read Review | $100, $250, $500, $750 | 70%, 80%, 90%, 100% | $5,000, $10,000, Unlimited | Annual |
 | Read Review | $100, $250, $500, $750, $1,000 | 50%, 60%, 70%, 80%, 90% | Unlimited | Annual |
 | Read Review | $200, $300, $500, $750, $1,000 | 70%, 80%, 90% | $5,000, $8,000, $10,000, $15,000, $30,000, Unlimited | Annual |
 | Read Review | $100, $250, $500 | 70%, 80%, 90% | $5,000, $10,000, $20,000, $50,000, $100,000 | Annual |
 | Read Review | $250, $300, $500 | 70%, 80%, 90% | $5,000, $15,000, Unlimited | Annual |
 | Read Review | $0-$1,000 (in $5 increments) | 90% | Unlimited | Lifetime |
 | Read Review | $100, $250, $500 | 70%, 80%, 90% | $3,000, $4,000, $5,000, $7,000, $10,000 | Annual |
 | Read Review | $100, $250, $500, $750, $1,000 | 70%, 80%, 90% | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | Annual |
 | Read Review | $250 | 50%, 70%, 90% | Limited Per Condition, Unlimited | Annual & Per Condition Annually |
*Deductible: The amount of money you must pay for vet treatment before your policy will begin to reimburse you and after coinsurance has been applied. For most companies, you must pay this deductible annually rather than per incident. Be sure to understand your policy, as the annual vs per-incident deductible can vary greatly.
**Reimbursement: The percentage of a claim that you’re eligible for repayment by the pet insurance company after you’ve paid the coinsurance.
***Payout Limit Options: The highest amount a pet insurance company will reimburse during the policy period. A lower payout limit means you may be responsible for more costs if your pet experiences expensive vet treatment(s).
Cost And Coverage Comparisons
We’ve compiled a couple of comparison tables that address cost and coverage issues:
If you’re unsure where to start, you may want to read our experts’ take on whether pet insurance is worth it. It addresses common questions such as how pet insurance works, what it covers, statistics, reimbursement stories, whether it’s worth it for everyone, and more.
†You should expect annual increases on your premiums from most pet insurance companies. These rates and increases will vary based on your location, changes in vet costs, and more.
Free Pet Insurance Quotes
Our coverage comparison is relatively straightforward, but pricing comparisons can get complicated. Why? Pricing quotes are unique because they’re based on a pet’s age, breed, geographic location, and several other factors.
For this reason, we encourage you to get quotes from multiple companies before deciding on a pet insurance provider. We’ve made this easy for you by creating a free quote form that pulls quotes from top pet insurance companies when you fill out your pet’s details. By entering your pet’s specific characteristics, you can get a better understanding of the coverage needed.
More Companies Reviewed
The companies listed below didn’t rank in our top picks, but with the exception of two very popular new entrants (Lemonade and Spot), they’ve been in business for at least five years and have established a solid history (this is a requirement to be eligible for our top picks – here’s why).
We review these companies with just as much scrutiny as our top-rated providers. Every pet and every situation is different. So you may find the best fit for your unique furry friend with one of these companies rather than our top recommendations. We’ve listed the companies in order of popularity and reader demand.
Why Are New Companies Not Eligible To Win Categories?
Historically, we’ve seen new companies enter the pet insurance space offering low prices to gain market share. However, after some time in business with more paid claims, these companies tend to increase rates to improve their profitability. This hurts you the customer because this causes their premiums to increase significantly — and if you visited your vet or submitted a claim, your pet now has a pre-existing condition. So, if you wish to change providers to find a more competitive rate, that condition is not likely to be covered. In the end, you may have been better off going with a different, more well-established company from the start.
Because of these issues, we’ve decided only to include pet insurance companies in our top spots that have at least five full years of national experience. We think this approach gives companies time to establish a consistent pricing system and reputation, giving you and our team a better idea of what to expect.
That being said, our experts will still cover new entrants (subject to reader demand) and bring you everything we can find on these companies in our reviews, so you have all the options at your disposal. And we have added a “Best Newcomer” category to our rankings to provide you with a recommendation among the many new companies entering pet insurance space. We also consider whether a company is new to the insurance industry or just new to the pet insurance segment of the industry, as a way to weed out companies with little to no experience in the space.
Fetch by The Dodo Review
Fetch has some of the most thorough coverage compared to others, but it may mean paying a higher price for coverage less critical to you.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: after 1 year free from treatment and symptoms | Deductible: $250, $300, $500 | Up to $1,000 in VirtualVet visits over video chat, call, or text | Pre-existing cruciate ligament problems excludes coverage for both knees |
| Pricing: highly variable | Reimbursement: 70%, 80%, 90% | Behavioral therapies | Wellness care |
| Reputation: excellent | Payout: $5,000, $15,000, unlimited | Exam fees | |
| Waiting periods: 15 days for accidents and illnesses and 6 months for cruciates, patellas, and hip dysplasia | Limit term: annual | Alternative/holistic therapies | |
| Claim processing: 12-22 days | Pet is covered within the U.S. and Canada | ||
| Policies of $15,000 annual payout or more include additional coverage: cost of advertising and paying a reward for a stolen or lost pet, cost of boarding your pet while you’re in the hospital, reimbursement for the price you paid for your pet if your pet dies or has to be euthanized due to injury or illness, and more |
Promo Code
Fetch offers the following discounts:
- 10% off the first year for new customers
- Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
- 15% off for each consecutive 12-month period without a claim
- 10% off premiums for Walmart shoppers
Use this link to take advantage of the best possible price. No promo code is needed. Alternatively, call 800-237-1123. You can also visit our dedicated Fetch promotions page to learn more.
Learn More In Our Complete Fetch by The Dodo Review
Trupanion Review
Trupanion’s per condition and lifetime deductibles mean once it’s paid, you never pay the deductible again for that condition.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: standard waiting periods apply | Deductible: $0-$1,000 (in $5 increments); only company offering a zero deductible plan | Offers enrollment from birth (sooner than competitors) | Coverage for recovery (e.g., physical therapy, acupuncture, hydrotherapy, and more) must be purchased separately |
| Pricing: higher on average | Reimbursement: 90% | 24/7 customer team allows pre-approval for claims | Exam fees |
| Plan customization: limited | Payout: unlimited | Behavioral therapies | Wellness care |
| Waiting periods: 30 days for illnesses, cruciate ligament, and hip dysplasia and 5 days for accidents | Limit term: per-condition & lifetime | Pet is covered within the U.S., Canada, and Puerto Rico | Pets enrolled after 14 |
| Claim processing: averages 2 days | One-time fee: $35 ($25 in WA, $0 in MD and MI) |
Promo Code
Use this link to take advantage of the best possible price and get a quote for your pet from Trupanion. You can also visit our dedicated Trupanion promotions page to learn more.
Learn More In Our Complete Trupanion Review
ASCPA Pet Insurance Review
ASPCA Pet Health Insurance offers accident-only plans and accident and illness plans with an optional wellness plan.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: after 6 months free from treatment and symptoms | Deductible: $100, $250, $500 | Behavioral therapies | Pre-existing cruciate ligament problems excludes coverage for both knees |
| Reputation: consumer complaints of low reimbursements | Reimbursement: 70%, 80%, 90% | Exam fees | |
| Waiting periods: 14 days for illness, accidents, cruciate ligaments, and hip dysplasia | Payout: $3,000, $4,000, $5,000, $7,000, $10,000 | Optional wellness plan as an add-on | |
| Claim processing: 15-30 days | Limit term: annual | Alternative/holistic therapies | |
| Transaction fee: $2/month | Pet is covered within the U.S., Guam, Puerto Rico, U.S. Virgin Islands, and Canada | ||
| Multi-pet discount: 10% |
Promo Code
ASPCA Pet Insurance offers the following discount:
- 10% off for multiple pets
Use this link to take advantage of the best possible price. No promo code is needed.
Learn More In Our Complete ASPCA Review
Spot Review
Spot is newer to the pet insurance industry, and its chairman is Cesar Millan from “The Dog Whisperer.”
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Covers curable pre-existing conditions: after 6 months free from treatment and symptoms | Deductible: $100, $250, $500, $750, $1,000 | Behavioral therapies | Pre-existing cruciate ligament problems excludes coverage for both knees |
| Pricing: highly variable | Reimbursement: 70%, 80%, 90% | Exam fees | |
| Waiting periods: 14 days for illnesses, accidents, cruciate ligaments, and hip dysplasia | Payout: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited | 2 optional wellness plans | |
| Claim processing: 10-14 days | Limit term: annual | Alternative/holistic therapies | |
| Transaction fee: $2/month | Pet is covered within the U.S., Canada, Puerto Rico, and other U.S. territories | ||
| Multi-pet discount: 10% |
Coupon Code
Spot offers the following discount:
- 10% off for multiple pets
Use this link to take advantage of the best possible price. No promo code is needed.
Learn More In Our Complete Spot Review
Nationwide Pet Insurance Review
Nationwide offers pet insurance policies similar to the other companies in this comparison and benefit schedule policies.
| Key Features | Plan & Cost Options | Coverage | Exclusions |
|---|---|---|---|
| Pricing: lower on average | Deductible: $250 | Behavioral therapies (Whole Pet Plan) | Major Medical Plan (benefit schedule): -Certain orthopedic conditions -Hereditary disorders -Congenital anomalies -Behavioral therapy |
| Reputation: many customer complaints | Reimbursement: 50%, 70%, 90% | Exam fees | Pets enrolled after 10 |
| Waiting periods: 14 days for accidents and illnesses, 1 day for wellness, 12 months for cruciate ligament (6 months in GA), 0-12 months for hip dysplasia (depending on your plan) | Payout: limited per condition, unlimited | Optional wellness plan | Doesn’t cover curable pre-existing conditions |
| Claim processing: 4 days | Limit term: annual & per condition annually | Alternative/holistic therapies | |
| Transaction fee: $2/month | Pet is covered worldwide | ||
| Multi-pet discount: 5% for 2-3 pets or 10% for 4+ pets | Optional exotic pets |
Promo Code
Nationwide Pet Insurance offers the following discounts:
- 5% off for 2-3 pets covered
- 10% off for 4 or more pets covered
Use this link to take advantage of the best possible price. No promo code is needed.
Learn More In Our Complete Nationwide Review
Don’t See Your Company?
Didn’t see the company you were looking for? Wondering what happened to 24Petprotect, AKC Pet Insurance, Bivvy, Companion Protect, Hartville, ManyPets, MetLife, Odie, Petco, PetPartners, PetPremium, Pets Plus Us, Prudent Pet, Pumpkin, Toto, TrustedPals, Waffle, Wagmo, Wishbone, or policies offered by Allstate, American Family, Farmers Insurance, Geico, PEMCO, Progressive, State Farm, USAA, Costco, or Walmart? Don’t worry, we’ve got you covered. We have stats and full reviews on all of these companies on our complete pet insurance companies list.
Why Trust Our Reviews?
We know choosing the right pet insurance policy for your pet is a personal decision. That’s why we value your trust in us to provide all the objective information you need to make an informed choice. Here is a quick comparison table showing what we can offer you compared to the competition.
| Canine Journal | Pawlicy Advisor | Pet Insurance Review | Reviews.com | |
|---|---|---|---|---|
| Website Launched | 2007 | 2018 | 2005 | 2013 |
| Website’s Focus | Covers Everything Dog-Related | Sells Pet Insurance Policies | Aggregates Pet Insurance Consumer Reviews | Reviews Insurance, Home Security, Internet & TV |
| # Of Pet Insurance Companies | 41 | 6 | 21 | 10 |
| # Of Pet Insurance Comparisons | 25 | 0 | 0 | 2 |
| # Of Individual Pet Insurance Reviews | 23 | 6 | 0 | 6 |
| Personalized Quotes | | | | |
| Expert Assistance | | | | |
| Pros & Cons | | | | |
| Discounts | | | | |
| Pet Insurance Company Directory | | | | |
| Coverage Comparison | | | | |
| Plan Customization Comparison | | | | |
| Waiting Period Comparison | | | | |
| Licensed Insurance Agent | | | | |
| Licensed Veterinarian Consultant | | | | |
| Compare Providers Side-By-Side | | | | |
| Customer Reviews | | | | |
| Engagement with Companies | | | | |
What Is (And Isn’t) Covered By Pet Insurance?
Please know that none of the pet insurance providers in our comparison cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.
However, there may be limitations to this coverage, so please check your policy. Our experts have put together a comprehensive guide to what pet insurance covers. You’ll also find cost and reimbursement examples, criteria to consider, alternatives to pet insurance, wellness plans, and more.
Which Pet Insurance Company Is Best For You?
The number of pet insurance companies to choose from is overwhelming. People often decide to go with the largest, most well-known company, failing to spend the essential time needed to consider their options fully. But if you take the time to do some research, you may find a provider that’s a better fit for your particular breed and health concerns. We recommend that you first and foremost consider these factors:
- Your biggest concern as a pet parent should be the reputation of the pet insurance provider. Have you heard of them? Do family and friends use them? What has their experience been when they’ve had to file a claim? Getting a pet insurance policy is useless if it doesn’t cover what you expect it to cover or if you can’t afford the monthly premium. Remember, although the monthly cost is important, it’s not the most crucial factor when choosing insurance. The whole point of any insurance policy is to ensure that you have the coverage to pay for otherwise unaffordable bills in emergencies.
- Decide what type of coverage you want for your dog and which additional perks may be negotiable to lower your costs. If you’d like to learn more about what some of the commonly referenced terms in pet insurance mean, check out our terminology 101 section that breaks the lingo down into laymen’s terms for you.
- Don’t hesitate to contact potential providers with any questions before signing up. And pay close attention to that experience — it may be a reflection of customer service quality down the road.
Picking a pet insurance plan is a personal choice, and no one knows what your dog needs better than you. Take the time to make an informed decision, and know that it’ll be worth having the added protection in the long run. We’re here to help in any way we can, so don’t hesitate to ask any outstanding questions anywhere on this site.
How To Pick The Best Pet Insurance For My Pet? (Infographic)
Here’s a handy graphic you’re welcome to reference as you research and decide on a provider.
Frequently Asked Questions
Here are some questions we’ve received from our readers.
Can You Go To Any Vet With Pet Insurance?
Most pet insurance companies allow you to choose any licensed vet for your pet’s health care needs. We are aware of one company, Companion Protect, that is the exception to this rule. Companion Protect claims to cover more of the cost within its approved network of vets. While they do allow you to use an out-of-network vet, it may cost you more money.
What Are The Disadvantages Of Pet Insurance?
Although we feel that pet insurance is valuable and worth it for most, here are four cons to be aware of:
- Routine preventative exams and associated expenses aren’t included unless you purchase a wellness plan in addition to your insurance policy.
- You will still have out-of-pocket expenses including your deductible and any amount that surpasses your payout limit.
- Pre-existing conditions are excluded from coverage, and you are responsible for costs associated with them.
- Unlike human health care, most pet insurance companies require you to pay for vet expenses upfront and then wait for reimbursement. Some companies offer a vet direct pay option as an alternative to this standard reimbursement model.
What Are The Best Pet Insurance Reviews For The UK?
Our pet insurance reviews only cover providers in the United States.
An example of a pet insurance brand that operates in several different countries is Petplan. They were founded and are the largest pet insurance provider in the UK but they also license their name for use in Australia, Brazil, Canada, Germany, the Netherlands, New Zealand, and Spain. In January 2022, the company who formerly operated under the Petplan UK license in the U.S. changed its brand name to Fetch by The Dodo.
If there’s enough interest, we may expand our coverage to include Canada, Central and South America, Australia, Europe, and more.
What Should I Ask Before Buying Pet Insurance?
- Can I choose my vet?
- What are the waiting periods?
- What’s excluded from coverage?
- Are there extra fees for coverage related to exam fees, prescription medication, or other items?
- Can you show me an example of how a claim is handled?
- What will I be responsible for paying?
- What happens if I buy a policy after my dog gets sick?
- Are there any limits on benefits (per-incident, annual, or lifetime limits)?
- How fast will my claim be processed?
When Can I Expect Changes To Rankings?
We update our reviews throughout the year, but our comprehensive audit of pet insurance companies where rankings and recommendations are most likely to change occurs in the first quarter of each year.
Best Pet Insurance Providers By Value And Needs
We also review providers based on value and special needs. Head to our best pet insurance by value and needs article to see providers ranked based on value factors, including price, a healthy pet discount, and reimbursements. You’ll also see that we review coverage based on special needs, identifying the best coverage for older dogs, dental health, wellness coverage, and bilateral conditions.
Tagged With: Comparison, Reviewed By Insurance Agent
