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Fido just leapt 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. We rate the biggest names in the pet health insurance industry based on our own research and customer feedback.
Best Pet Insurance Companies 2020
Total Score, Policy Coverage, Customer Service & Reputation, Timeliness Of Claim Repayment and Policy Price are all on a scale of 0 to 5.
Get Free Pet Insurance Quotes
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 will pull quotes from top pet insurance companies when you fill out one short form with your pet’s details. By entering your pet’s specific characteristics, you can get a better understanding of the coverage needed.
The table below shows some of the deductible, reimbursement and claim options* for each company. Please know that not all deductible, reimbursement and claim limits are available for every dog in every state.
|Company||Review||Deductible*||Reimbursement**||Claim Limit Options***||Limit Term|
|Read Review||$100, $250, $500, $1,000||80%||$5,000, $10,000, $20,000||Annual|
|Read Review||$100, $250, $300, $400, $500, $600, $750, $1,000||70%, 80%, 90%||$2,500, $5,000, $7,500, $10,000, $15,000, $20,000, Unlimited||Annual|
|Read Review||$100, $250, $500||70%, 80%, 90%||$3,000, $5,000, $7,000, $10,000||Annual|
|Read Review||$200, $300, $500, $750, $1,000||70%, 80%, 90%||$5,000, $8,000, $10,000, $15,000, $30,000 (Unlimited available via phone)||Annual|
|Read Review||$100, $200, $250, $500, $750, $1,000, $1,500||60%, 65%, 70%, 80%, 90%, 100%||$5,000, $10,000, $20,000, Unlimited||Annual|
|Read Review||$100, $250, $500, $750||60%, 70%, 80%, 90%||Unlimited||Annual|
|Read Review||$250||50%, 70%, 90%||Limited Per Condition, Unlimited||Annual & Per Condition Annually|
|Read Review||$0, $50, $100, $250, $500, $2,500||70%, 80%, 90%, 100%||$1,000, $2,000, $5,000, $10,000, Unlimited||Annual|
|Read Review||$250, $300, $350, $400, $450, $500, $550, $600, $650, $700, $750, $800, $850, $900, $950, $1,000||70%, 80%, 90%||$2,500, $5,000, $10,000, $15,000, $20,000, $25,000, Unlimited||Annual|
|Read Review||$50, $100, $200, $250, $500, $1,000||70%, 80%, 90%||$5,000, Unlimited||Annual|
|Read Review||$0-$1,000 (in $5 increments)||90%||Unlimited||Lifetime|
- *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 agreement, as the annual vs per incident deductible is a big deal.
- **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 liable for more costs if your pet experiences expensive vet treatment.
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 comprehensive dog insurance guide, which addresses common questions such as how pet insurance works, what it covers, is it worth it for everyone, statistics, reimbursement stories, and more.
*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.
Healthy Paws, founded in 2009, continues to impress us with its unlimited benefits with no per-incident, annual or lifetime caps. This company also has far fewer coverage exclusions compared to many competitors, so it appears that Healthy Paws is less likely to deny your claim.
You can also customize your out-of-pocket expense risk by adjusting your policy’s reimbursement rate (70%, 80% or 90%) and deductible ($100, $250, $500 or $750) when you sign up. There are some restrictions on the reimbursement and annual deductible amounts for pets, depending on the age when they’re enrolled.
Healthy Paws has excellent customer service reviews. Check out the comment section in our Healthy Paws individual review. It’s filled with real customer accounts.
What’s missing with Healthy Paws? It doesn’t offer a wellness plan to cover annual vet visits, which is an increasingly popular feature among pet parents.
Overall, we think Healthy Paws is the best-bet for pet insurance. It has some of the best coverage and at one of the least expensive monthly premiums. If you do run into any hiccups, we’re sure you’ll get the help you need with its excellent customer service.
Pets Best, founded in 2005, has stepped it up with the items it covers and its low-priced “Accident-Only Plan.” This unique policy allows you to insure against unexpected pet emergencies without charging you monthly for the lower priced (vet exams) or less-likely costs (rehab, chiropractic and acupuncture care).
Pets Best was consistently among the least expensive pet insurance companies when we ran quotes. We’re also impressed with its 24/7 Pet Helpline, which allows you to speak with a vet expert any time of day.
Pets Best typically has a reasonable claim repayment time averaging 8 days, but it has recently had an increase in customers which means an influx of claims too. Unfortunately, their claim repayment is averaging 25 to 40 days, but we hope to see it go back to its 8 day average soon. We will keep you updated while we continue to monitor this situation.
Its deductibles range from $50 to $1,000, and it offers 2 wellness plans from which to choose. You can truly customize your coverage with Pets Best. Pets Best doesn’t require an exam to set your pet’s health baseline (something Healthy Paws requires).
What kept it from being #1? Pets Best has one of the same underwriters (American Pet Insurance Company or APIC) as Trupanion (another pet insurance company), which is unrated by A.M. Best. We consider this a higher risk factor vs those who are rated.
However, we can’t dispute Pets Best’s low prices and excellent coverage, which is why we feel it deserves a spot in our top 3.
Note: Farmers Insurance and Progressive also trust Pets Best to provide and service pet insurance for their customers.
We’re impressed with Figo’s coverage details, and it’s the only company in our top 3 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, although anything regarding the knees has a 1-year waiting period (many others have shorter waiting periods).
Figo, founded in 2013, entered our reviews in 2019 in our top 3 picks. This is extremely uncommon and speaks volumes that Figo has come out so strong and has maintained a place in the top 3 for 2020 as well. Figo has some of the lowest prices, comparable to companies that have been around much longer.
The companies listed below did not make our top 3 rankings, but we’ve reviewed them in case you want to learn more. Every pet and every situation is different. You might find an excellent fit for your family below.
Why Don’t We Review New Entrants?
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. Here is a list of companies on our radar and their founding year:
24PetWatch, founded in 2000, offers pet insurance for dogs as long as you enroll them 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 could be worth it).
It also doesn’t offer unlimited claims as an option, which is a feature we’ve come to expect from pet insurance providers. However, one cool thing 24PetWatch does is to provide coverage for chronic conditions if your pet has gone 24 months symptom-free. This is not standard for pet insurance providers.
PetPartners, Inc. partnered with AKC in 2003 to administer AKC Pet Insurance and started offering insurance under its own brand name, PetPartners, in 2009. The policies offer the same exact coverage for customers, so the information shared here applies to both brands.
This policy doesn’t require vet records or an exam prior to enrollment. 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 compared to other pet insurance providers and only covers hip dysplasia for dogs enrolled prior to their second birthday. For all of these reasons, PetPartners Insurance and AKC Pet Insurance are not included in our top 3.
C&F Insurance Agency, the administrators of the ASPCA Pet Health Insurance program, pays a royalty fee to the ASPCA for the use of its mark through a licensing agreement. C&F Insurance Agency also administers Hartville and PetPremium, which have identical offerings to that of ASPCA pet insurance but is not affiliated with the ASPCA organization.
ASPCA/Hartville/PetPremium doesn’t require an exam to set your pet’s health baseline. It covers behavioral therapies and has an optional wellness plan. It has reasonable waiting periods and pays claims in an average of 8-9 days.
Unfortunately, the company, founded in 1997, has a history of low reimbursements, even under its highest cost plan, which is why it’s not in our top 3.
Embrace, founded in 2003, has great customer support options and a rather good 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 says it averages 10 to 15 business days. Embrace tends to fall a little behind on technology for claims submissions versus the top players in this field.
Note: USAA, Allstate, American Family & Geico all offer a pet insurance product through Embrace.
Nationwide Insurance (previously VPI) 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 in 2015.
The Whole Pet and Whole Pet with Wellness plans are like most pet insurance companies, 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 prices for procedures and covered items, regardless of what your vet actually charges you. Major Medical is a cheaper option than the Whole Pet plans.
Nationwide is among the most expensive, 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 service and quietly raising monthly premium rates as pets age. Plans starts at $35 per month, which is pretty high compared to competitors starting costs.
PetFirst was founded in 2004 and bought by MetLife in December 2019. Even though it has been in business for more than a decade, there are not a ton of reviews out there for us to share. 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 offers in our top 3. 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 quotes, PetFirst was consistently among the middle of the pack.
Petplan, founded in 2003, offers unlimited annual coverage but the main thing keeping it from our top spots is its higher prices for similar coverage. The quotes we ran indicate that in most cases you can get unlimited annual coverage from Healthy Paws, Pets Best and Figo for a less expensive monthly premium. However, we still think Petplan offers some of the best coverage and is worth getting a quote from to see if it works for you.
Petplan has a great claim repayment reputation and allows 30 days for claim repayment but averages 5-14 business days. In addition, Petplan’s policy has coverage for travel cancellations due to life-threatening pet injury or illness, as well as coverage for advertising expenses related to a lost pet. In some cases, it even offers reimbursement for the cost of your pet if they’re never found.
Petplan offers discounts on your premiums if you don’t file a claim for a period of time, rewarding you for keeping your pet safe and healthy. It has an annual coverage limit of $2,500 to unlimited, annual deductibles of $250 to $1,000 and 70%, 80% or 90% reimbursement rates. There may be even more options available to you through the call center at this number: 800-237-1123 (our exclusive reader discount will be honored for this phone call as well).
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 3 picks in the quotes we ran.
State Farm also offers pet insurance through Trupanion.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.
The number of pet insurance companies to choose from is overwhelming, for sure. Most of the time, people choose to go with the largest, most well-known company, so they don’t have to compare the companies themselves. If you decide to do the research yourself, consider these factors:
- Your biggest concern as a pet parent should be the reputation of a pet insurance provider as offering the coverage you need at a price you can afford. 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 cost is important, it’s not the most crucial factor. Your pet’s protection and coverage in the case of an emergency is your number one priority so be sure to make your decision with the long term in mind.
- After you narrow your search down based on these requirements, the next step is to 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.
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 in the long run, it’ll be worth having the added protection. Check out our pet insurance comparison for more on our top 3, and don’t hesitate to ask questions in the comments below.
Which factor is most important to you when choosing a pet insurance company?
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