Pet Insurance Reviews 2021: Ratings, Pros, Cons & More For 23 Companies

Fido just leaped for a frisbee, and now he’s limping. What’s wrong with him? Do I need to take him to the vet? How much will it cost? This is why pet insurance is so critical. In a time of panic, you should be worrying about the health of your dog, not the number in your bank account.

Our experts (including a licensed professional) review the pet health insurance industry’s biggest names, conduct extensive research, and analyze tons of customer feedback. Our pet insurance reviews are updated throughout the year as providers undergo changes to their policies, premiums, claim limits, reimbursements, customer service experience, and more. This is why you can count on us for the most up-to-date and accurate information.

Best Pet Insurance Companies 2021

Total Score, Policy Coverage, Customer Service & Reputation, Claim Repayment, Price Of Policy, and Plan Customization are all on a scale of 0 to 5.

Figo Review

#1

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Figo, founded in 2013, entered our reviews in 2019 and moved into the #1 spot in 2021. This is extremely uncommon and speaks volumes that Figo has come out strong, has maintained a place in the top three and has now taken the top spot. Figo has some of the lowest prices compared to its competitors.

We’re impressed with Figo’s coverage details, and it’s one of the few companies to offer a 100% reimbursement option. You can submit claims through the app, fax, email, or mail.

Should you run into any issues, you can reach Figo by phone, text, live chat, email, fax, Facebook Messenger, or Twitter. Its waiting periods are comparable to competitors, so your wait is similar to other companies.

Pros	Cons
Annual deductible (not per-incident) Your pet is covered when they travel with you in the U.S., Canada, and Puerto Rico BBB rating: B Claims repayment averages 4 days, but 50% are closed within 24 hours Vet exam fees covered for an additional cost App available to support claims via iOS and Android 10% multi-pet discount	If there’s a knee injury prior to enrollment or during the waiting period, Figo will not cover the second leg if an injury occurs $2/month transaction fee (can be waived if you pay annually) No wellness plan Doesn’t cover behavioral therapy

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Healthy Paws Review

#2

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Healthy Paws, founded in 2009, impresses us with its unlimited benefits with no per-incident, annual, or lifetime caps. You can also customize your out-of-pocket expense risk by adjusting your policy’s reimbursement rate and deductible when you sign up. However, if you don’t feel the need to have unlimited claim limits, you may be able to find less expensive coverage through a provider that offers lower limit options.

Healthy Paws held our #1 spot for six consecutive years but has dropped to the #2 spot this year. Why? Primarily because Figo has introduced innovative customer solutions to the industry while Healthy Paws has remained relatively unchanged (although some might say, why mess with a good thing?). Also, Healthy Paws has some restrictions on reimbursement and annual deductible amounts for pets, depending on the age when they’re enrolled. Further, there is no coverage for exam fees or behavioral therapy, two items that competitors commonly cover.

On a very positive note, Healthy Paws has some of the best customer service in the industry. Check out the comment section in our Healthy Paws individual review. It’s filled with real customer accounts.

Overall, we think Healthy Paws is still a great pet insurance company and, based on the many quotes we ran, offers some of the least expensive pet insurance for unlimited claims. And, if you do run into any concerns, we’re sure you’ll get the help you need with its excellent customer service.

Pros

Cons

Unlimited lifetime coverage so no annual or per-incident limits on claims Claim repayment averages 2 days (direct deposit or check reimbursement) Good CCL (ACL) coverage Your pet is covered when they travel with you in the U.S. or Canada (up to 3 months) High customer satisfaction Easy to submit a claim on the Healthy Paws app (Android | iOS) for quick claim reimbursement BBB rating: A+ Great email response time

Veterinary exam fee and behavioral therapies are not covered 12-month waiting period for hip dysplasia Pets enrolled after age 6 aren’t eligible for hip dysplasia coverage (MD doesn’t have this age limitation) 15-day waiting period for accidents is longer than the most competition No wellness plan Charges a one-time $25 fee in some states Can’t enroll pets over 4 years old in NY Pets older than 8 years old are restricted to specific limits Plans aren’t as customizable as competitors (can’t select a lower annual claim limit to reduce your monthly premium; unlimited is only choice))

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Pets Best Review

#3

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Pets Best, founded in 2005, has some of the best pet insurance coverage we’ve seen. It even offers an “Accident-Only Plan” for those of you who want an even more affordable pet insurance policy without the less used coverages for chiropractic care, acupuncture, and rehab.

Pets Best is consistently among the least expensive pet insurance companies when we run quotes. We’re impressed with its 24/7 Pet Helpline, which allows you to speak with a vet expert any time of day.

Its deductibles range from $50 to $1,000, and you can choose from one of its two wellness plans. You can truly customize your coverage with Pets Best. There is no exam required to set your pet’s health baseline (something many other companies require). So, why isn’t it higher in our rankings?

Pets Best typically has a reasonable claim repayment time averaging eight days, but in 2020 it saw an influx of new customers, bringing a rush of customer claims, overloading their customer service and claims departments. Unfortunately, their claim repayment is averaging 25 to 40 days, which has led to many customer complaints.

If it weren’t for the long claim repayment timeline and resulting negative customer feedback, Pets Best would likely be our top pick for best pet insurance. However, most customers need claims repaid sooner than one to two months, especially during the COVID-19 pandemic when job loss and other financial stressors are high.

We hope to see claim repayment go back to its eight-day average (or better!) soon, which may alter our rankings down the road. Be sure to check back in as we monitor this situation.

Pros

Cons

No lifetime limits on any plan Great pricing, consistently among the least expensive when we ran quotes BBB rating: A+ Multiple forms of customer support: live chat, phone, email, FAQ Electronic claim filing and direct deposit options 30-day money-back guarantee 5% multi-pet discount No upper age limits (pets must be 7 weeks or older) Your pet is covered when they travel with you in the U.S., Canada, and Puerto Rico Optional wellness plan (must purchase in conjunction with pet insurance)

$2 transaction fee (waived if you pay annually or live in MD or AK) Alternative/holistic therapies are not covered Claim repayment has been longer than most during the past year

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View Our Full Review Of Pets Best

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.

Cost & Coverage Comparison Tables

The table below shows some of the deductible, reimbursement, and claim options for each company.

*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.
***Claim Limit Options: The highest amount a pet insurance company will reimburse during the policy period. A lower claim limit means you may be responsible for more costs if your pet experiences expensive vet treatment(s).

We’ve compiled a couple of comparison tables that address cost and coverage issues:

1. Cost Comparison†
2. Coverage Comparison

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.

More Pet Insurance Reviews (Alphabetical By Provider)

The companies listed below didn’t make our top three, but they’ve been in business for at least five years and have established a solid history. We review them with just as much scrutiny as our top picks. 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.

• 24PetWatch
• AKC Pet Insurance
• ASPCA
• Companion Protect
• Embrace
• Hartville
• Nationwide
• PetFirst
• PetPartners
• Petplan
• PetPremium
• Trupanion

24PetWatch Pet Insurance Review

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24PetWatch, founded in 2000, offers pet insurance for dogs enrolled before the age of 10 years old. In the quotes we ran, 24PetWatch was consistently among the more expensive options (but you get a lot of value for the price, so it might be worth it).

However, it doesn’t offer unlimited claims as an option, which is a feature we’ve come to expect from pet insurance providers. One cool thing 24PetWatch does is provide coverage for pre-existing chronic conditions if your pet has gone 24 months symptom-free. This is not standard for pet insurance providers.

Pros

Cons

Wellness coverage available as an add-on No waiting period for accidents and no additional waiting period for ACL, elbow, and hip dysplasia Submit and track claims in real-time online Your pet is covered when they accompany you in the U.S. and Puerto Rico and up to 182 days in Canada BBB rating: A+ through PTZ Insurance Agency, Ltd. Chronic condition coverage if they go 24 months without symptoms Annual deductible (not per incident) Covers invoiced amount, including exam fees

Limited enrollment age (8 weeks – 10 years) compared to other insurance companies If one leg has a CCL (ACL) injury before enrollment, the other leg will not be covered even if there are no prior issues. It’s considered a bilateral condition. No unlimited claims options $2.50 monthly transaction fee Priced on the higher end when we ran quotes Only 80% reimbursement option (other companies offer 70%, 90%, and sometimes more) Allows 60 days for claim repayment

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Read Our Full Review Of 24PetWatch

AKC Pet Insurance Review

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AKC Pet Insurance launched in 2003. It has strict age restrictions and requires an additional fee for coverage of hereditary and congenital conditions, which we expect the average pet insurance plan to include.

It has more limitations than other pet insurance providers and only covers hip dysplasia for dogs enrolled before their second birthday. For all of these reasons, AKC Pet Insurance isn’t included in our picks for best pet insurance.

Pros	Cons
No vet records or exam required to enroll Optional wellness plan (must purchase in conjunction with pet insurance) BBB rating: A+ through PetPartners, Inc. (administers AKC Pet Insurance policies) Your pet is covered when they travel with you in the U.S. or Canada 5% multi-pet discount Claims are typically paid within 7 days	No illness coverage for dogs enrolled after age 9 Must purchase coverage for inherited/congenital conditions separately if you want them covered Hip dysplasia and congenital and hereditary conditions are only available for coverage if you enroll your dog at 2 years old or younger $3-$4 transaction fee (depending on the state): highest in this comparison Exam fee coverage is an additional fee

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Read Our Full Review of AKC Pet Insurance

ASPCA Pet Insurance Review

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Crum & Forster (C&F) Insurance Agency, the administrators of the ASPCA Pet Health Insurance program, pays a royalty fee to the ASPCA to use its mark through a licensing agreement.

ASPCA Pet Insurance doesn’t require an exam to set your pet’s health baseline. Behavioral therapies are covered, and an optional wellness plan is available. It has reasonable waiting periods for illnesses, including only a 14-day waiting period for ligament and knee conditions.

If your pet has a pre-existing condition but it’s curable and has been cured and free from treatment and symptoms for a period of 180 days, it’s considered a new occurrence (this doesn’t apply to ligament and knee conditions).

Unfortunately, the company, founded in 1997, has a history of low reimbursements, even under its highest cost plan. It’s also experiencing long claim repayment timelines due to COVID-19. For these reasons, ASPCA Pet Insurance didn’t make our top three.

Pros

Cons

Optional wellness plan (must purchase in conjunction with pet insurance) Conditions that are free of symptoms and treatment for 180 days prior to enrollment aren’t considered pre-existing conditions BBB rating: A+ through C&F Insurance Agency, Inc. 30-day money-back guarantee Your pet is covered when they travel with you in the U.S., Guam, Puerto Rico, U.S. Virgin Islands, and Canada Accident-Only plan available Offers a 10% discount for each additional pet No upper age limits for coverage

$2 transaction fee, if not paying annually Can’t change/add some items to plan until the next 12-month period begins Low reimbursements reported by customers No unlimited claims option 14-day waiting period for accidents is longer than competitors Claim repayment is longer than normal due to COVID-19

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Read Our Full Review Of ASPCA Pet Insurance

Companion Protect Review

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Companion Protect was founded in 2015 and requires you to visit an in-network veterinarian or your deductible doubles. This is uncommon in the pet insurance industry, and Companion Protect is the only company we review that requires this. Reimbursement options are set at 90% for in-network vet visits but drop down to 80% for out of network care.

We’re not excited about this method since we’ve found that our readers like to choose their own vet and have plan options, something Companion Protect has limitations on for both.

However, on the plus side, you will not see an increase in premium as your pet ages, which is also unique in the industry.

Pros	Cons
Premiums don’t increase due to your pet aging No waiting periods No upper age limits Good in-network benefits Multi-pet discount up to 15% Free annual wellness exam (with in-network vet) Coverage for alternative and holistic care	Lifetime limits No information about annual limits Using an out-of-network vet can be pricey Inflexible policy options Strict prior approval requirements No wellness plans available Doesn’t cover your pet if they travel outside the U.S. with you No BBB rating

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Embrace Review

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Embrace, founded in 2003, has excellent customer support options and a great reputation overall. When it comes to monthly premiums, Embrace can be all over the board, so we recommend getting an individual quote for your pet.

Regarding claims, Embrace averages repayment between eight and nine days. Embrace offers a unique healthy pet deductible which decreases $50 each year that you don’t receive an accident or illness claim reimbursement. Over time, this could bring your deductible all the way down to $0.

The biggest thing that’s keeping Embrace from our top three picks is the fact that you can almost always find a more affordable plan with excellent coverage from one of our top three providers.

Pros	Cons
No per-incident limits on their claims as they use an annual deductible No lifetime limit Offers optional Wellness Rewards (must purchase in conjunction with pet insurance; not available in RI) BBB rating: A+ Pays claims between 8-9 days on average Up to a 10% max discount for multiple pets (5% in NY) Covers your pet if they travel outside the U.S. with you	$1.00 monthly transaction fee and $25 enrollment fee Only covers enrolled pets aged 14 and younger for illness (accident only may be available for ages 15+) If one leg has a CCL (ACL) injury prior to enrollment, the other leg will not be covered even if there are no prior issues. It’s considered a pre-existing condition. New customers must call to access unlimited claims option

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Hartville Pet Insurance Review

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Crum & Forster (C&F) Insurance Agency administers Hartville Pet Insurance, similar to ASPCA Pet Insurance. Hartville has a 14-day waiting period for both accidents and illnesses (which is a little long for accidents compared to competitors). However, its waiting period for CCL surgery and hip dysplasia is only 14 days, which is extremely short compared to others.

The main reason Hartville isn’t in our top picks is because customers report reimbursements are lower than they expected and claims repayment is slow.

Pros

Cons

Optional wellness plan (must purchase in conjunction with pet insurance) Conditions that are free of symptoms and treatment for 180 days prior to enrollment aren’t considered pre-existing conditions BBB rating: A+ through C&F Insurance Agency, Inc. 30-day money-back guarantee Your pet is covered when they travel with you in the U.S., Guam, Puerto Rico, U.S. Virgin Islands, and Canada Accident-Only plan available Offers a 10% discount for each additional pet No upper age limits for coverage

$2 transaction fee, if not paying annually Can’t change/add some items to plan until the next 12-month period begins Low reimbursements reported by customers 14-day waiting period for accidents is longer than competitors Claim repayment is longer than normal due to COVID-19

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Nationwide Pet Insurance Review

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Nationwide Insurance (previously VPI (Veterinary Pet Insurance)) is one of the most well-known dog health insurance companies. VPI was founded in 1982, and Nationwide acquired and started selling VPI’s pet insurance product under their brand name in 2015.

The Whole Pet with Wellness plans are similar to what most pet insurance companies offer, reimbursing a percentage of your vet bill for covered treatments. In the past, it only offered what it now calls its Major Medical policy, which uses a standard list of prices to determine payback amounts for procedures and covered items, regardless of what your vet charges you. Major Medical is still offered and it is a cheaper option than the Whole Pet plans.

Nationwide is among the most expensive providers, and it doesn’t have a reputation for timely reimbursements despite the ability to track claims in real-time online. Unfortunately, Nationwide has a track record of poor customer reviews. Plans start at $35 per month, which is pretty high compared to competitors starting costs.

Pros

Cons

Track claims in real-time online, and submit them through your smartphone Unlimited claim limits for Whole Pet with Wellness plans One of the only pet health insurance companies to offer exotic pet insurance BBB rating: A+ Optional wellness plan (not available in all states) can be purchased as an add-on or on its own 5% multi-pet discount for 2-3 pets (10% for 4+ pets) Covers your pet if they travel outside the U.S. with you

High number of customer complaints (finding negative reviews is not difficult) 12-month waiting period for CCL (ACL) surgery for all plans (6 months in GA) Major Medical Plan has annual limits per condition $2 transaction fee for monthly payment Allows 30 days for claim repayment Age restrictions for pets older than 10 years old

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Read Our Full Review Of Nationwide Pet Insurance

PetFirst Review

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PetFirst was founded in 2004 and bought by MetLife in December 2019. Even though it’s been in business for more than 15 years, customer reviews were difficult to find. It has a short waiting period for accidents (only one day after enrollment).

PetFirst is the only company in this review to offer a $0 deductible. It also offers a 100% reimbursement, something only Figo, our winner this year, offers. We suggest you request a quote and read a sample policy to see if PetFirst is a good fit for you and your pup. When we ran our price quotes, PetFirst was consistently among the middle of the pack.

Pros	Cons
Optional wellness plan (must purchase in conjunction with pet insurance) No vet exam required for enrollment No waiting period for accidents BBB rating: A+ 5% discount for second policy and 10% discount for three or more policies Claim repayment averages 10-14 days	Doesn’t cover all non-routine dental treatments Must purchase routine care coverage for behavioral therapy coverage Doesn’t cover your pet if they travel outside the U.S. with you

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PetPartners Review

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PetPartners started offering pet insurance under its brand name in 2009. It has customizable plans, allowing you to choose your deductible, claim limit, and reimbursement levels. PetPartners is nearly identical to AKC Pet Insurance and isn’t in our top three because of some age restrictions, and coverage add-ons that we expect should be standard inclusions.

Pros	Cons
No vet records or exam required to enroll Optional wellness plan (must purchase in conjunction with pet insurance) BBB rating: A+ through PetPartners, Inc. (also administers AKC Pet Insurance policies) Your pet is covered when they travel with you in the U.S. or Canada 5% multi-pet discount Claims are typically paid within 7 days	No illness coverage for dogs enrolled after age 9 Must purchase coverage for inherited/congenital conditions separately if you want them covered Hip dysplasia and congenital and hereditary conditions are only available for coverage if you enroll your dog at 2 years old or younger $3-$4 transaction fee (depending on the state), highest in this comparison Exam fee coverage is an additional fee

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Petplan Review

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Petplan offers thorough coverage, but the main thing keeping it from our top rankings is its higher prices for similar coverage. The prices we were quoted indicate that in most cases you can get coverage from our winners, Figo, Healthy Paws, and Pets Best, with a lower premium. However, we still think Petplan offers some of the best coverage, so it’s worth getting a quote to see if it works for you.

Founded in the U.S. in 2003, Petplan has a great claim repayment reputation and allows 30 days for repayment, but they currently average 22 days if the policyholder chooses to get paid back via check. But with Petplan’s app, customers can choose to get paid back via direct deposit, which gets their money back 5 to 10 days faster.

Similar to Embrace, Petplan offers discounts on your premiums if you don’t file a claim for a period of time–a reward for keeping your pet safe and healthy. Its annual coverage limits range from $2,500 to unlimited, annual deductibles from $250 to $1,000, and reimbursement rates from 70%, 80%, or 90%. Beyond what is offered on their website, Petplan may have additional options available to you via the call center at this number: 800-237-1123 (our exclusive reader discount will be honored for this phone call as well).

Pros

Cons

Healthy pet credit (15% discount for each consecutive 12-month policy period without a claim, up to 30% max discount) No lifetime or per-condition claims limit BBB rating: A+ (under its incorporated name, Fetch, Inc.) App available to submit claims via iOS and Android Covers the exam fees for sick visits ($50-$250 on average) Your pet is covered when they travel with you in the U.S. or Canada Covers up to $1,000 in VirtualVet visits over video chat, call, or text

No multi-pet discount Several policyholders complain that they aren’t covered until they prove that their pet is healthy with updated medical records, but once they do that, Petplan covers any future eligible injury or illness Dogs must have annual health and dental check-ups for coverage to apply. Failure to do so may mean your dog won’t get insurance coverage until that checkup is done. Only covers CCL (ACL) on a second leg if the first leg remains healed for 12 months (if your pet received treatment for a cruciate or soft tissue injury to one knee before policy inception, then the other knee is automatically excluded) Sample quotes were higher than competitors No wellness plan available Claims repayment averages 22 days, although it allows up to 30 days

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PetPremium Pet Insurance Review

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Crum &Forster (C&F) Insurance Agency has been administering PetPremium’s pet insurance since 2013. Unfortunately, we cannot provide a full review at this time because we were unable to obtain details about their plans. The quote engine was broken for more than a month on multiple devices, in various regions of the U.S., and in numerous browsers. We hope to be able to share more information about this company in the future.

Trupanion Review

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Trupanion’s deductibles are per condition and lifetime, meaning that once it’s paid, you never pay the deductible again for that condition. However, it also means that if your pet is sick or injured multiple times in one year, you may be paying a lot in deductibles. Trupanion, founded in 2000, is on the expensive side for similar coverage compared to our top three picks in the quotes we ran.

FLORIDA RESIDENTS: The plan reviewed here is not available for new customers in Florida. Contact Trupanion to learn more about what is available in your state and read the policy carefully for details.

Pros

Cons

90% reimbursement with no payout limits Offers optional benefits for additional expenses that cover acupuncture, physical therapy, hydrotherapy, and behavioral modification training and therapy Hip dysplasia has no age restrictions (but 30-day waiting period) BBB rating: A- 30-day money-back guarantee Pet is covered in the U.S., Canada, and Puerto Rico Offers enrollment from birth

Quotes tend to be among the most expensive compared to competitors One time $35 administration fee ($25 in WA and $0 in MD and MI) Policies have 30-day waiting period for illnesses (industry average is 14) Allows up to a 20% increase on premiums from year to year (based on the state you live in) Pets are not eligible for enrollment after their 14th birthday No wellness plan Doesn’t cover exam fees No multi-pet discount Claim repayment is within 60 days (but averages 14 days)

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Reviews Of New Companies (Less Than 5 Years On The Market)

Here are pet insurance companies new to the scene that our experts have reviewed or are reviewing, but they’re not contenders for a ranking until they’ve been in the marketplace for at least five years.

Without further ado, here are our remaining pet insurance reviews. And, if you don’t see the company you’re interested in learning more about, let us know in the comments.

• Bivvy
• Lemonade
• Odie
• Prudent Pet
• Pumpkin
• Spot
• Toto
• Wagmo

Bivvy Review

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Bivvy was founded in 2019 and offers some of the most affordable pet insurance plans. However, it only provides a 50% customer reimbursement option, and plans cover a max of $5,000 per policy period (less than competitors). Its plans aren’t available in all 50 states yet and have a lifetime limit of $25,000. We hope to see more customization options as well as nationwide availability in the coming years.

Pros	Cons
$9-20/month for any pet insurance policy (price varies by state)	Only covers expenses up to $1,000-5,000 (varies by state) per policy year No customer service phone number listed on website Not available in all 50 states $25,000 lifetime limit 14-day waiting period for accidents in most states and 30 days for illnesses in most states 6-12 month waiting period for CCL injuries and hip dysplasia (varies by state) No BBB rating

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Lemonade Review

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Founded in 2020, Lemonade is brand new to pet insurance but has been in the insurance space for 5+ years. It’s already creating some buzz with its AI-driven claims process, affordable premiums, optional wellness plan, and detailed coverage. However, it’s not available in all 50 states yet. As a new company, we’d like to see how its prices and coverage fluctuate in the coming years before we consider it in our annual rankings.

Pros

Cons

Annual deductible (not per incident) No lifetime limits on any plan Wellness coverage available as an add-on Easy to submit claims on mobile apps (Android | iOS) Lower than average pricing Coverage available for pets aged 8 weeks to 20+ years (depending on breed) Company makes sizeable charitable contributions to causes of their customers’ choosing BBB rating: B+

Vet exams for accidents and illnesses only covered in extended add-on plan Must pay extra for physical therapy, acupuncture, and hydrotherapy coverage Strict exclusions for pre-existing bilateral conditions Limited customer service options Only available in 33 states and DC Not covered when traveling with your pet outside of the U.S. Doesn’t enroll some breeds once they hit a certain age, but they never terminate coverage for pets as they age No coverage for hybrids No multi-pet discount

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Read Our Full Review Of Lemonade

Odie Review

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Founded in 2019, Odie is available in 45 states and Washington DC. Reimbursement is available at 70%, 80%, or 90%. However, they offer more plan customizations with claims limits and deductibles; you can choose your annual claim limit, ranging from $5,000 to $40,000, and your annual deductible amount, ranging from $50 to $1,000.

We are impressed with Odie’s live customer service chat and are pleased with how helpful they are. The sales staff wasn’t pushy, which was a breath of fresh air. We’re curious to see how this company evolves and look forward to considering it in our rankings after operating for five years nationwide.

Pros

Cons

Annual deductible (not per-incident) Pricing is among the least expensive when compared to other companies No age restrictions and coverage starts as early as 7 weeks old Claim repayment promised within 5 business days (direct deposit or check reimbursement) Wellness coverage available as an add-on 5% multi-pet discount Your pet is covered when they travel with you in the U.S., Canada, or Puerto Rico

Must pay extra for office visits, prescription medication, rehab, acupuncture, and chiropractic care coverage 6-month waiting period for hip dysplasia and CCL injuries No unlimited claim limit option Bilateral conditions are excluded Not available in all 50 states $2 transaction fee Behavioral conditions aren’t covered No BBB rating

Prudent Pet Review

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Prudent Pet was founded in 2018 but its parent company has been active in auto insurance for 25+ years. Prudent has some of the pet insurance industry’s highest premiums, based on the quotes we ran. Its accident waiting period is 5 days, which is a little high compared to competitors. However, its waiting period for CCL injuries and hip dysplasia is only 14 days, among the lowest.

Prudent Pet also offers an Accident Only plan and an optional wellness plan that you can add to your pet insurance policy. In the future, we’d like to see prices decrease to come more in line with the competition, especially since they offer impressive coverage.

Pros	Cons
No lifetime limits on any plans No upper age limits BBB rating: A Claim reimbursement averages 10-14 days 30-day money-back guarantee 10% multi-pet discount Your pet is covered when they travel with you in the U.S., Canada, Puerto Rico, and other U.S. territories Competitively priced wellness plans	Premiums were significantly higher than average when we ran quotes 5-day waiting period for accidents (some cover accidents within 2-3 days) If there’s a knee injury prior to enrollment or during the waiting period, they won’t cover the second leg if an injury occurs. It’s considered a bilateral condition. No mobile apps (but they say they’re in the works for iOS and Android)

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Read Our Full Review Of Prudent Pet

Pumpkin Review

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Pumpkin is less than a year old, founded in mid-2020. We’ve seen numerous changes already since its launch. This is completely normal since it takes time for a pet insurance company to settle in and find its groove. But for now, it makes it difficult to evaluate since it’s a bit unpredictable when it comes to what to expect for coverage and price over time. We hope to have a firmer grasp on Pumpkin’s offerings in the coming years.

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Spot Review

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Spot, founded in 2019, offers customizable plans with numerous deductible amounts, claim limits, and reimbursement options. Cesar Millan, the famous Dog Whisperer, is the Chairman at Spot, creating a lot of brand buzz. But will Millan’s expertise in dog training carry over into the pet insurance industry? We’re excited to learn more as this company evolves over time.

Pros	Cons
No lifetime or per-incident limits with any plan No upper age limits BBB rating: A- Claim reimbursement averages 10-14 days 30-day money-back guarantee 10% multi-pet discount Covers alternative therapies, like acupuncture Your pet is covered when they travel with you in the U.S., Canada, Puerto Rico, and other U.S. territories Competitively priced wellness plans	Premiums were significantly higher than average when we ran quotes 14-day waiting period for all accidents and illnesses (some cover accidents within 2-3 days) If there’s a knee injury prior to enrollment or during the waiting period, they won’t cover the second leg if an injury occurs. It’s considered a bilateral condition. $2 transaction fee, if not paying annually

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Toto Review

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Toto was founded in 2018 and offers accident and illness coverage for your furry family members. Plans are customizable with various deductible, reimbursement, and claim limit options.

Wagmo Review

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Wagmo, founded in 2018, offers 100% reimbursement for all of its plans. This is a unique approach to pet insurance since most companies require some type of copayment. It may be a good option if you are looking to pay less for covered claims. However, we want to point out that it has claim limits of $20,000 annually, $10,000 per-incident, and $100,000 lifetime.

Pros	Cons
Claim repayment averages 1 day for wellness and 3 days for accident/illness (direct deposit, Venmo, and PayPal reimbursement) Wellness coverage available as an add-on or on its own 5% multi-pet discount Bilateral conditions are covered	No unlimited claim limit option Per-incident deductible and lifetime claim limits 15-day waiting period for accidents is longer than the competition Not available in all 50 states No BBB rating Cannot enroll pets older than 15 years old No app Pet isn’t covered when they travel outside of the U.S. with you 30-day waiting period for cancer treatment

Frequently Asked Questions

Here are the questions we’ve received most frequently from our readers. Don’t see yours? Ask us in the comments!

1. Can I Get Pet Insurance Outside The U.S.?
2. What If My Insurance Company Is Not Listed In Your Reviews?
3. Which Pet Insurance Provider Has The Best Consumer Reviews?
4. What Is The Best And Most Affordable Pet Insurance?

1) Can I Get Pet Insurance Outside The United States?

Pet insurance is available in many countries. Our pet insurance reviews only cover providers in the United States. We understand that Petplan is also a well-respected provider in the UK, where the brand was founded.

If there’s enough interest, we may expand our coverage to include Canada, Central and South America, Australia, Europe, etc. Meanwhile, as you can see below, we do take the time to answer our reader’s questions whenever possible, regardless of provider location.

2) What If My Insurance Company Is Not Listed In Your Reviews?

Many insurance companies market pet health insurance under their brand name, but the policies are in fact referred to or administered by a dedicated pet insurance provider that we review above. Below is a listing of companies our readers have asked about (don’t see yours? ask us in the comments).

• Allstate policies are administered by Embrace.
• American Family sells the Embrace pet insurance policy as well.
• Banfield doesn’t offer pet health insurance; they offer a wellness membership plan. What’s the difference? Its plans don’t cover illness or injury, only preventative care. Learn more about the Banfield pet wellness plan.
• Cigna offers its members My Pet Protection^℠ plans from Nationwide.
• Farm Bureau doesn’t offer pet insurance at this time.
• Farmers Insurance provides pet insurance from Pets Best.
• Geico Insurance refers their customers to Embrace.
• Metlife acquired PetFirst in 2019 and offers pet insurance to their customers via that brand name.
• Orivet compiles your pet’s characteristics and provides quotes for numerous pet insurance providers. Policies are purchased directly from the pet insurance company, not Orivet. Orivet also sells DNA tests to screen your pet for genetic diseases, traits, breed identification, and other DNA-related characteristics. Learn more about Orivet’s DNA tests.
• PC (President’s Choice) Pet Insurance is no longer offered by the company.
• Progressive Insurance refers their customers to Pets Best.
• State Farm offers policies via Trupanion.
• USAA partners with Embrace to offer pet insurance.
• Walmart pet insurance is managed by Petplan.

If there’s another company you’re interested in that you don’t see covered, refer to our alphabetical list of pet insurance companies, or let us know in the comments.

3) Which Pet Insurance Provider Has The Best Consumer Reviews?

We take consumer feedback into account when we review pet insurance providers, as noted in our review criteria. Unfortunately, some companies may populate the Internet with fake positive reviews while others may post negative attacks on competitors. Our researchers are skilled at filtering these out and providing you with an accurate picture of true consumer feedback. Additionally, in each company’s individual review we post two positive and two negative consumer reviews to provide a balanced picture.

4) What Is The Best And Most Affordable Pet Insurance?

We stand by our rankings in this article and consider our expert’s winners here to be the best overall pet health insurance companies. The company that is best for your particular breed may vary however, that’s why we encourage our readers to obtain and review free quotes.

Our experts have also conducted research and selected winners by categories based on value factors, including price, a healthy pet discount, multiple pets option, and reimbursements; and by coverage such as special needs, older dogs, dental health, wellness coverage, and bilateral conditions. Head on over to our best pet insurance comparison to consider those.

Which Pet Insurance Provider 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:

1. 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 make 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.
2. 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 terms you should know regarding insurance for dogs, reference our terminology info.
3. Don’t hesitate to contact potential providers with any questions you 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. Every article we publish has a dedicated comments section, where we engage with our readers, including this one.

In addition to our comprehensive reviews of pet insurance providers that you can search by name (this article), we also review providers based on value and special needs. Head on over to our best pet insurance article to see providers ranked based on value factors, including price, a healthy pet discount, multiple pets option, and reimbursements. You’ll also see that we review coverage based on special needs, including the best pet insurance for older dogs, dental health, wellness coverage, and bilateral conditions.

Which factor is most important to you when choosing a pet insurance company?