Pet Insurance Reviews 2020: Cost & Coverage Comparison Of All Companies

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Pet Insurance Reviews and 2 dogsFido 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.

Top Pet Insurance Companies 2020

Healthy Paws logoPets Best logoFigo logo
Visit WebsiteVisit WebsiteVisit Website
Ranking1st2nd3rd
Total Score4.654.554.50
Policy Coverage4.254.754.50
Customer Service & Reputation4.754.004.00
Timeliness Of Claim Repayment4.754.754.75
Policy Price4.754.754.75
Read ReviewRead ReviewRead Review

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

Article Overview

Pet Insurance Cost & Coverage Comparison Tables

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 will pull quotes from top pet insurance companies when you fill out one short form with your pet’s details.

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. 

CompanyReviewDeductible*Reimbursement**Claim Limit Options***Limit Term
24 Pet Watch logoRead Review$100, $250, $500, $1,00080%$5,000, $10,000, $20,000Annual
AKC logoRead Review$100, $250, $300, $400, $500, $600, $750, $1,00070%, 80%, 90%$2,500, $5,000, $7,500, $10,000, $15,000, $20,000, UnlimitedAnnual
ASPCA logoRead Review$100, $250, $50070%, 80%, 90%$3,000, $5,000, $7,000, $10,000Annual
Embrace logoRead Review$200, $300, $500, $750, $1,00070%, 80%, 90%$5,000, $8,000, $10,000, $15,000, $30,000 (Unlimited available via phone)Annual
FIGO logoRead Review$100, $200, $250, $500, $750, $1,000, $1,50060%, 65%, 70%, 80%, 90%, 100%$5,000, $10,000, $20,000, UnlimitedAnnual
Healthy Paws logoRead Review$100, $250, $500, $75060%, 70%, 80%, 90%UnlimitedAnnual
Nationwide Pet Insurance logoRead Review$25050%, 70%, 90%Limited Per Condition, UnlimitedAnnual & Per Condition Annually
PetFirst LogoRead Review$0, $50, $100, $250, $500, $2,50070%, 80%, 90%, 100%$1,000, $2,000, $5,000, $10,000, UnlimitedAnnual
PetPlan logoRead Review$250, $300, $350, $400, $450, $500, $550, $600, $650, $700, $750, $800, $850, $900, $950, $1,00070%, 80%, 90%$2,500, $5,000, $10,000, $15,000, $20,000, $25,000, UnlimitedAnnual
Pets Best logoRead Review$50, $100, $200, $250, $500, $1,00070%, 80%, 90%$5,000, UnlimitedAnnual
Trupanion logoRead Review$0-$1,000 (in $5 increments)90%UnlimitedLifetime
  • *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.

Get Free Pet Insurance Quotes

By entering your pet’s specific characteristics, you can get a better understanding of the coverage needed. We’ve compiled a couple of comparison tables that address cost and coverage issues:
  1. Pet Insurance Cost Comparison*
  2. Pet Insurance Coverage Comparison
  3. Get Pet Insurance Price Quotes From Top Companies (FREE)

These links open comparison tables in a new window so you can compare coverage and estimated costs side-by-side as you research company reviews. If you’re unsure where to start, be sure to read our beginner’s dog insurance guide.

*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 Review

#1

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Healthy Paws 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.

Healthy Paws App Screenshots

Pros

Cons

  • Annual deductible (not per incident)
  • Unlimited lifetime coverage so no annual or per incident limits on claims
  • Pricing is generally the best value vs competition (get quotes)
  • Your pet is eligible for coverage when they travel with you in the U.S. or for short trips to Canada (up to 3 months)
  • High customer satisfaction
  • Easy to submit a claim on the Healthy Paws app for quick claim reimbursement
  • BBB rating: A+
  • Great email response time
  • Good CCL (ACL) coverage
  • Direct deposit or check reimbursement
  • Claim repayment averages 2 days
  • Veterinary exam fee and behavioral therapies are not covered
  • Excludes hip dysplasia in animals enrolled after age 6, so this may not be the best option for large breeds that are older than 6. There is also a 12-month waiting period.
  • There are age restrictions (if pet is older than 6 you must have vet exam within past 30 days for enrollment or within 15 days of policy issuance)
  • Pets older than 8 years old are restricted to 60% reimbursement and a $750 annual deductible
  • 15-day waiting period for accident and illness
  • No wellness plan
  • Charges a one-time $25 setup fee
  • Can’t enroll pets over 4 years old in NY

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 Full Review Of Healthy Paws

Pets Best Review

#2

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Pets Best has stepped it up with the items it covers in addition to 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.

Pets Best Screenshot of App

Pros

Cons

  • No lifetime limits on any plan
  • Great pricing, consistently among the least expensive when we ran quotes
  • Your pet is covered when they travel with you in the U.S., Canada and Puerto Rico
  • BBB rating: A+
  • Multiple forms of customer support: live chat, phone, email, FAQ
  • 30-day money back guarantee
  • 5% multi-pet discount
  • No age limits
  • 6-month waiting period for CCL injuries
  • 14-day waiting period for Illness and 3 days for Accident
  • $2 transaction fee (waived if you pay annually or live in Maryland or Alaska)
  • Alternative/holistic therapies are not covered
  • Average claim repayment is 25-40 days currently (normally it’s 8 days)

Coupon Code

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

View Our Full Review Of Pets Best

Figo Review

#3

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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 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.

Figo App Screenshots

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 are typically paid within 5-7 business days
  • Vet exam fees covered for an additional cost
  • App available to support claims via iOS and Android
  • 10% multi-pet discount
  • 6-month year waiting period for hips/knees and cardio defects (1 year in MA and WA)
  • 3-day waiting period for accidents and 14 days for illnesses
  • If there is a knee injury prior to enrollment or during the waiting period, Figo will not cover the second leg if an injury occurs
  • One-time $9 admin fee + $2/mo or $10/annual fee (waived if ACH setup w/bank)
  • No wellness plan

Coupon Code

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

View Our Full Review Of Figo

Other Pet Insurance Companies

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.

Note: We’ve excluded companies with less than 5 full years of nationwide business experience from these reviews so we can provide reliable recommendations.

24PetWatch | AKC Pet Insurance/PetPartners | ASPCA/Hartville/PetPremium | Embrace | Nationwide | PetFirst | Petplan | Trupanion

24PetWatch Review

24PetWatch logoVisit Website

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.

Pros

Cons

  • Wellness coverage available as an add-on
  • No waiting period for accidents
  • Submit and track claims in real-time online
  • Your pet is covered when they travel with you in the U.S. and Puerto Rico and up to 182 days in Canada
  • No additional waiting period for ACL, elbow dysplasia and hip dysplasia
  • Chronic condition coverage if they go 24 months without symptoms
  • Annual deductible (not per incident)
  • Direct despot or check for reimbursement
  • Cover invoiced amount, including exam fees
  • Limited enrollment age (8 weeks – 10 years) compared to other insurance companies
  • 14-30 day waiting period for illness coverage to kick in
  • 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
  • Not rated by the BBB

Coupon Code

Use this link to get the best deal we can offer from 24PetWatch.

Read Our Full Review Of 24 Pet Watch

AKC Pet Insurance / PetPartners Review

AKC Pet Insurance Logo

Visit Websites: AKC Pet Insurance / PetPartners

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.

Pros

Cons

  • No vet records or exam required to enroll
  • Option to add on a wellness plan, exam fee, memorial coverage and hereditary condition coverages
  • BBB rating: A+ through PetPartners, Inc. (who administers both pet insurance brand’s policies)
  • Your pet is covered when they travel with you in the United States or Canada
  • 5% multi-pet discount
  • Claims are typically paid within 7 days
  • No illness coverage for dogs enrolled after age 9
  • 14-day waiting period for illness, 2 days for accidents
  • Must purchase coverage for inherited/congenital conditions
  • 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
  • 6-month waiting period for CCL injuries

Coupon Code

Use this link to get the best deal we can offer from AKC Pet Insurance and PetPartners.

Read Our Full Review of AKC Pet Insurance

ASPCA Insurance / Hartville / PetPremium Pet Insurance Review

ASPCA Insurance logo

Visit Websites: ASPCA / Hartville / PetPremium

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.

Pros

Cons

  • Offers optional wellness coverage
  • Conditions which are free of symptoms and treatment for 180 days prior to enrollment aren’t considered pre-existing conditions
  • BBB rating A+ (C&F Insurance Agency, Inc.)
  • Your pet is covered when they travel with you in the U.S., Guam, Puerto Rico, U.S. Virgin Islands and Canada
  • 30-day money back guarantee
  • Claim repayment averages 8-9 days
  • $2 transaction fee, if not paying annually
  • 14-day waiting period for illnesses and accidents, including knee and ligament injuries
  • Can’t change/add some items to plan until the next 12-month period begins
  • Low reimbursements reported by customers
  • No unlimited claims option

Coupon Code

Use this link to get the best deal we can offer from ASPCA Pet Health Insurance, Hartville and PetPremium.

Read Our Full Review Of ASPCA Pet Insurance

Embrace Review

Embrace logoVisit Website

Embrace 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.

Tip: If you have USAA, you can get a discount with Embrace.

Pros

Cons

  • No per-incident limits on their claims as they use an annual deductible method of accounting
  • No lifetime limit
  • Offers optional Wellness Rewards
  • BBB rating: A+
  • Pays claims between 10-15 business days on average
  • Up to a 10% max discount for multiple pets (5% in NY)
  • $1.00 monthly transaction fee and $25 enrollment fee
  • Requires a 2-day waiting period for accidents (14 days in some states), 14-day waiting period for illness coverage and a 6-month waiting period for orthopedic conditions, but can be reduced to 14 days through its Orthopedic Exam and Waiver Process
  • 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.
  • Must call for unlimited claims option
  • Does not cover your pet if they travel outside the U.S. with you

Coupon Code

Embrace offers a few different discount options. Spayed or neutered pets in NY get a 5% discount. If you have multiple pets, each one gets 10% off (5% in NY). You can also pay annually and get 5% off in NY. Click here to access any of these discounts.

Read Our Full Review Of Embrace

Nationwide Review

Nationwide logoVisit Website

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.

Pros

Cons

  • Track claims in real-time online, and submit them through your smartphone
  • Unlimited claims for Whole Pet with Wellness plans
  • One of the only pet health insurance companies to offer exotic pet insurance
  • BBB rating: A+
  • Wellness plans are not available in all states
  • High number of complaints overall (finding negative reviews is not difficult)
  • 12-month waiting period for CCL (ACL) surgery for Major Medical plan
  • 14-day waiting period for Whole Pet with Wellness and Major Medical plans. 24-hour waiting period for Pet Wellness plan
  • Nationwide BBB page has an alert about fraudulent checks
  • Major Medical Plan has annual limits per condition
  • $2 transaction fee
  • Does not cover your pet if they travel outside the U.S. with you
  • Allows 30 days for claim repayment

Coupon Code

Use this link to get the best deal we can offer from Nationwide Pet Insurance.

Read Our Full Review Of Nationwide Pet Insurance

PetFirst Review

PetFirst logo

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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.

Pros

Cons

  • Wellness plan option
  • No vet exam required for enrollment
  • Accident coverage begins the day after enrollment
  • BBB rating: A+
  • 5% discount for second policy and 10% discount for 3 or more policies
  • Claim repayment averages 10-14 days
  • 14-day waiting period for illness; 6-month waiting period for CCL surgery and other orthopedic conditions
  • Does not cover all non-routine dental treatments
  • Must purchase routine care coverage for behavioral therapy coverage
  • Does not cover your pet if they travel outside the U.S. with you

Coupon Code

Use this link to get the best deal we can offer from PetFirst.

Petplan Review

PetPlan logo

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Petplan 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).

Pros

Cons

  • No claims credit (15% discount for each consecutive 12-month policy period without a claim, up to 30% max discount)
  • Covers advertising lost pets, losing your pet, canceled vacation due to pet illness, etc.
  • No lifetime or per condition claims limit
  • BBB rating: A+ (under its incorporated name, Fetch, Inc.)
  • Claims are typically paid within 5-14 business days, although it allows up to 30 days
  • App available to support claims via iOS and Android
  • Covers exam fees for sick visits ($50-$250 on average)
  • Offers a 5% discount for users purchasing their insurance plan online
  • Your pet is covered when they travel with you in the U.S. or Canada
  • No multi-pet discount
  • For coverage to apply, you must take your dog to the vet within 48 hours of noticing symptoms of an illness or injury
  • Several policyholders complain that Petplan delays payment on claims (often due to a short upfront waiting period as a new customer) and requires an invoice from your vet
  • Dogs must have annual health and dental checkups to qualify for coverage. 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
  • $3.50 credit card processing fee for monthly and quarterly payments

Coupon Code

Use coupon code CanineJournal to receive an additional 5% discount (10% total if you sign up online) plus a $25 gift card through St. Patrick's Day (3/17/2020). Alternatively, if you call 800-237-1123 you will automatically get the additional 5% discount!

Read Our Full Review Of Petplan

Trupanion Review

Trupanion Pet Insurance LogoVisit Website

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 is on the expensive side for similar coverage compared to our top 3 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
  • BBB rating: B+
  • 30-day money back guarantee
  • Pet is covered in the U.S., Canada and Puerto Rico
  • More expensive than competitors
  • One time $35 administration fee ($25 in WA and $0 in MD and MI)
  • Policies have 5-day waiting period for injuries and 30-day waiting period for illnesses
  • 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

Coupon Code

Use this link to get the best deal we can offer from Trupanion.

Read Our Full Review Of Trupanion

Get Your Money Back

Dogs are quick and sneaky, and there are times when they get into trouble when you turn your back. That’s exactly what Atlas did, but fortunately, his parents had insurance for him. Atlas was able to get the care he needed, and his parents didn’t go broke.

Decide Which Pet Health Insurance Company Is Best For You

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:

  1. 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.
  2. 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?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories and more. Her natural curiosity helps her research as she seeks the truth when learning about, comparing and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs.

Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child. In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly's research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today.

One of Kimberly's favorite pastimes is spoiling Sally with new toys, comfy beds and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs, and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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

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Caroline L
The ASPCA pet insurance did have an unlimited annual option available when I got a quote today. The above chart shows a max limit of $10,000 and elsewhere on this page lists ASPCA pet insurance as not having an unlimited option. The top of this webpage says this article was updated March 10th. It is possible the unlimited option only applies to certain plans or in some states or it is stately incorrectly in the article. For reference, I am based in New York City and used zip code 10463 for my quote.

I am currently pricing coverage options for my 3 year old mixed dog. My quote was $69.58 for Complete Coverage ($250 deductible, 90% reimbursement) with the unlimited annual limit. I added Prime Preventative Coverage to my quote for an additional $24.95. Adding Basic or Primary Preventative Coverage is the only way to get wellness coverage included in your plan. My total quote was $96.53 per month ( incl. $2 transaction fee charged to all payments except annual payment).

I like that when I selected the preventative coverage, the insurance website clearly displayed a list of the max annual benefits for the wellness services covered. It is a level of transparency I haven’t really come across during my research on pet insurances. This also made it easy for me to compare these max benefits to the medical records I keep for my fur baby. I want to have realistic expectation of how these limits may impact me directly. Vet costs can vary significantly in the same city. I am still shopping around for quotes and making calls with a list of questions I have written out.

Other Companies I am considering are Nationwide, Healthy Paws, Trupanion. These three were recommended by my long time vet as his office has not had issues getting claims covered for clients. My best friend had a positive experience with Nationwide. They were kind and helpful when she had to make end of life decisions for her ailing cat, covering prescription diet and other claims. She had him on the complete wellness plan. But I understand that exclusions for cats and dogs can differ greatly, hence why I’m not assuming I’ll have the same experience.

I also think it is important to keep in mind that the language used when filing out claim forms for insurance for pets is as important as it is for human insurance. Using the wrong medical code for an illness or not articulating the illness with clear medical terms can mean thousands of dollars in denied claims.

Cooper
I love it, Healthy Paws is the number one pick. But they can’t currently open policies in Washington State. THEY ARE BASED IN WASHINGTON STATE! What gives?
TIm
Cooper – We are temporarily unable to enroll new policies in Washington state until our rating plan for new pets is accepted by the Department of Insurance. We sincerely apologize for the inconvenience. If you have generated a quote with us, we will contact you when we are able to enroll new policies again.
Steve
Pets Best, when I just submitted a claim, said processing time is 25-40 days (time window they gave was mid-late March!). This is par for PB’s course, PLEASE change the “8 days” processing time to 25-40 days
Samantha
Please note that Figo changed underwriters and their exclusions on knees are now bilateral. If the left knee has/had a cruciate tear, they will not, EVER, cover a tear on the right knee. This information has changed since this article was posted (very helpful, by the way, thank you!) and I only discovered it by calling and inquiring specifically about the knee exclusion because my pup tore her right cruciate.
Christine P
Kimberly, based on all the great comparison information and reviews in your article, I just enrolled in Healthy Paws for my 6 month old lab puppy. Your article is just what I have been looking for — something to make sense of all the overwhelming pet insurance options out there! I’m so glad that I found this. Saved me a ton of research time! Now I have that “unlimited” peace of mind! 😉 THANK YOU, THANK YOU, THANK YOU!
A S
Is AKC the only company covering your pet when you travel in US/Canada? Does Pets best does not cover your pet if you’re traveling???
A S
Pets best or AKC? for a 2 month old mixed retriever puppy with focus on Wellness plan + insurance coverage.
Kathy Spacht
I purchased Embrace Insurance 3 years ago for my new puppy. I elected to have a high deductible of $1,000 and my premium was slightly under $20 a month. He is now 3 years old and my new premium is slightly under $30. Be aware that while premiums may start out low they will increase as the pet gets older. The increases are larger each year. If I recall correctly, the first year it was about 3 dollars more a month and this year will be another 7. I am assuming next year when he is four, the premium will be nearly double–closer to $40 a month. I have made no claims. I hate to think what they will be once he is 10. I just wanted to warn people where this may be a problem and to inquire when selecting a company how much of an increase they should expect each year.
Melissa Catania
I am so grateful to Healthy Paws, and so happy that I selected them for my dogs’ insurance. My beloved mastiff was hospitalized for a week, critically ill in ICU, with aspiration pneumonia and post emergency surgery for a GI perforation. I was not ready to lose him, but was terrified what this was going to cost. He had been hospitalized before for a similar condition, and I was concerned that this would be considered pre existing and thus not covered. Not only was the $30,000 hospitalization and follow up care covered (at the 80% that I had selected), but they were even able and willing to tell me two days in that it would be covered so that I did not have to worry. I can’t tell you what a relief that was as the charges were rapidly adding up each day.

In general, I’ve been very happy overall as well. It takes under a minute to file a claim, and claims are processed and paid quickly. Highly recommend.

Beatrice Greenberg
I’m not much for posting on social medial but the events of today with our pet insurance company, PetPlan, have compelled me to share my most recent horror story with this company. I received an e-mail quoting me the rates for Mattie’s insurance starting in August. Her coverage currently consist of a $100 deductible per illness and unlimited coverage of 90% of her vet bills. To date we have been reimbursed about $36,000 for the year and have been able to give Mattie the best medical care possible while paying $3,207 in premiums to PetPlan. The policy they are offering for next year limits coverage to $15,000, has a $750 deductible per Illness and only reimburses 70%. While the premium cost goes down to $774.56 per year, this in no way compensates for the drastic change in benefits. Just using the three conditions she is currently being treated for, the increase in cost for $15,000 in coverage is $5,250 more than the costs under the prior year. I have had a long conversation with a customer service rep to try to understand this change as no person would accept such changes in their health care policy. I was told that pets are treated as property, thus, as your car ages your insurance benefits go down and your premiums go down. I hope you see how absurd this policy is – pets that age don’t depreciate in value and insurance companies should not be permitted to lessen the coverage as they age so they can die rather then pay out benefits when most needed. I asked the right questions when singed up with this company and was assured that I would continue to have good coverage as my pet aged. There should be more transparency in the purchasing of pet insurance so that we can have a better idea of what a carrier will do with premiums and costs as a pet ages.
Need help...
Hi Kimberly, I’m researching insurance for my 6-month yorkie and narrowed down my choices to Healthy Paws (based on their excellent customer ratings and reasonable premiums) and Petplan. I was ultimately leaning towards Petplan because of its exam fee coverage and the relatively comprehensive dental coverage (since Yorkies are known for their dental issues) whereas Healthy Paws offered neither. Then I came across this article from NBC News about premium increases throughout pets’ lives and was blown away by the projected increase in Petplan’s premiums. Now I feel I’m back to square one. I know how difficult it is to switch insurance companies in the middle (pre-existing conditions, etc.) so I want to get it right the first time. Your analysis in this article is extremely helpful, but any further insight would be extremely helpful. Thanks!!
Scott
Pet insurance in general is known to be a gamble, but Nationwide has perfected the claim denial game. I am a physician, so I know a thing or two about medicine and can speak the language. Our Boston came to us with diarrhea when he was about two years old. At age 6, he went through a spell of not eating and lost some weight. He never got a formal diagnosis from the vet, and eventually just started eating normally again. We filed a claim and it was denied due to “pre-existing condition.” They said his anorexia was the SAME as his diarrhea years earlier. Then they went so far as to provide a long list of vague and general “diagnoses” that they would never cover in his lifetime. I repeatedly asked them for medical evidence to support their assertions that his transient condition had anything to do with the long list of “conditions” they were refusing to cover in the future. Needless to say, we’ve cancelled our policy and are giving another company a try.
Undecided
Hi. I am looking for Pet Insurance for my 2 year old pure bred standard poodle. He is healthy & happy. He had a slight seizure which I think is a side effect of flea medication. What would be the best insurance for us? I had VPI (which is now Nationwide) w/my previous dogs. I had a good experience with them. They covered well visits and one of the dog’s epilepsy. If this is a condition, which company will cover?
Barbara Murray
Buyer beware! Petplan interprets “pre-existing” conditions to include aspects that are often seen in normal, healthy animals. My dog had light tartar on her teeth, with NO indication of disease or problems, but that was the basis for denying a claim over 5 years later, involving a loose tooth, periodontal disease and the need for 8 extractions. Even the Amer. Vet Dental College says that tartar above the gumline does not cause periodontal disease. Even a year later after holding the policy, my dog had no evidence of dental or periodontal disease, yet the recent claim was denied because of a pre-existing condition. Company representatives say the policy does not require a medical condition to exist to be pre-existing, but merely a “clinical sign”- which they define as “changes in your pets normal healthy state”. No disease or medical condition, but it can preclude coverage 5 years later. Premiums have nearly doubled in the 5 years of coverage (now over $1500/year), even with only one small claim. Their ability phrase things in an oblique manner that nobody is likely to catch allows them to deny claims easily. That, on top of using terms in an unconventional way (e.g. a “clinical sign” does not mean that it is a sign of illness— merelly whatever they decide) leaves the buyer at tremendous risk. Unless you read the policy over with a fine tooth comb and know your animal has no indications of any problem at all before buying the policy, and as long as you don’t mind huge premium increases, this is not a good policy for you.
Sarah Smith
My husband bought me a beautiful terrier, but the breeder mentioned to him that this terrier’s mother had a lot of health concerns. I would really like to look into pet insurance so I can provide for her if her health deteriorates. Your advice to read reviews so I can find a reputable pet insurance provider is really helpful.
Keith
I am still having a hard time deciding on a company I have been back an forth With NationWide being pricey, while other like Embrace and Best Pet have been way lower in cost. So which is really the best that pays out without issue and not having to chase them to pay it? The one that has less issue and better service with customers all round?
Jana
This breakdown is incredibly helpful–thank you.

I saw in your full review of Healthy Paws that pets eight years and older are restricted to 60% reimbursement. Does Figo have age-related reimbursement restrictions?

Lisa
Figo raised our monthly premium significantly after the first year, even with no claims, from $40.72 to $56.08. The dog is only 3 years old.
Mary
Same thing happened to me with my two year old dog.
Laura
I think that when you write this in the future, you should take into account the rating on other sites such as yelp. For example, you give Trupanion an honorable mention, but it has a 2 star rating on yelp, and the reviews are horrific. Healthy Paws has a good rating there, but seems to be going downhill since they were acquired by a larger company last year. It would help to know percentage of denied claims, and annual premium rate increases. I was looking for a plan for my mixed breed manx kitten, but I’m really skeptical that these policies will cover genetic conditions despite their aggressive marketing. I’d be very interested to see a comparison to just putting $50 a month into a savings account.
Dayna
I had my puppy on Trupanion but the lack of exam fees being covered was a deal breaker for me, as vets in our area typically charge $50 or more per visit. I did like the per incident deductible, but the premiums were really high even for $750 deductibles. Your #1 pick Healthy Paws has the same limitation. I hesitated to use Pets Best as their pricing goes up as dog the gets older, but I like that I have the flexibility to adjust deductible or pay out percentages to lower the cost as she gets older. So we are going to put her on Pets Best. Pet Plan was more expensive than Pets Best, and they had higher deductibles.
Roberta
Ive had Trupanion for my 2 dogs for 5 years. Each year the monthly rate has increased by a few dollars. Last month it went up $12, mind you I have NEVER made a claim, my dogs were just puppies when I enrolled them. I called inquiring about the substantial increase and they told me it was because of the age of my dogs, now 5 and 6 years old. I had to drop them at that. I’m now seeing that other pet insurance with more coverage is cheaper then what I’ve been paying. Lesson learned, do your research.
Yolanda Lennie Mejia
I cannot thank Healthy Paws enough for being there for our dog Kiki and my family when we need them. Kiki was diagnosed with Cushing syndrome and had a mass in her adrenal gland. Kiki underwent surgery to take out the mass which turned out to be cancerous. unfortunately, Kiki developed pancreatitis and kidney failure a couple of weeks later and was hospitalized several times. She lost appetite and lost a lot of weight and had to have a feeding tube inserted in her neck in order to help her get better. While we worried about Kiki’s health, we are thankful that we have a pet insurance to take care of the financial side. Whenever I see or talk to people and coworkers who have pets, I advocate that they get pet insurance for the sake of their pet and themselves. I encouraged my sister, my son and other friends to get Healthy Paws pet insurance and they thanked me because Healthy Paws was there for them as well in time of their need.

As for me, Kiki’s medical expenses are over $10,000.00 now. Healthy paws processed our claims always immediately.
their Customer Care even reached out to check on Kiki’s condition. Is that GREAT or what? Thank you, Health Paws for being there for us. You are the GREATEST!

Jonah
FIgo offers the most generous coverage. Figo is also one of the most affordable. Here’s my experience so far:

I have had several dogs in my life. My last dog costs me a bundle in vet bills. So for my next dog, I wanted a pet insurance with generous coverage, one that is affordable, and one that was convenient. I narrowed my choices to FIgo and Healthy Paws. Both were similiar however, if you closely, FIgo offered more. FIgo covered vet exam fees, holistic and alternative medicine, shorter waiting periods, and overall more convenience. The major convenience with Figo is that with FIgo you can text them if you had a question, and they would reply back in minutes. Furthermore, although both FIgo and Healthy Paws had phone apps, Figo phone apps covered more than just claims processing. Best of all, Figo was a bit more affordable. So far, so good. I filed 3 three claims. The first claim took about 8 days, but the second and third claims with processed in less than 6 days. Figo should be ranked soon.. Figo has what I wanted: Generous Coverage, Phone App that covered paperless processing, Affordablility, and Exceptional Customer Serivice. I am glad I chose Figo. Figo although unranked i think beat the top 3 ranked here for exceptional coverage. Hope Figo is ranked soon.

Dayna
Figo’s premiums in my area were higher than Trupanions and Healthy Paws and they wanted an additional $8 per month to cover exam fees.
Tamara Dunn
Pets Best does not cover pregnancy or anything to do with breeding.

Out of curiosity, why wasn’t Nationwide Whole Pet with Wellness reviewed? It appears all levels of other company plans were included, but the only plan shown to be offered by Nationwide is their Major Medical… which is a stupid plan, but their Whole Pet with Wellness is significantly more comprehensive than the 3 top plans mentioned and is competitive in price. One of our dogs was diagnosed with a chronic condition and they’ve paid for her prescription diet, her meds, acupuncture for pain and all of her medical care, including office visits, CAT scans, ultrasound and xrays. They covered our other dog’s laproscopic spay and a dental with nine extractions on the pug mix we inherited. Is this an independent review or was it sponsored by any of the insurance companies? I ask because all of these reviews promote the top three, but only review Nationwide’s Major Medical. We would have had to euthanize our dog, who is now doing very well, if it weren’t for this plan and I find it disappointing none of the reviews ever mentions it.

Nationwide Whole Pet vs. the top 3:
Flea & Tick – Covered
Heartworm Prevention – Covered
Heartworm testing, vaccines, titres – Covered
Fecal exams – Covered
Deworming – Covered
Spay/Neutered – Covered
Acupuncture – Covered
Chiropractic – Covered
Cold Laser – Covered
Rehabilitation – Covered
Therapeutic Diets – Covered
Prescribed Neutriceuticals – Covered
All major medical, emergency and wellness, other than pre-existing conditions – Covered

Our monthly cost for these plans ranges from $58 to $109 a month based on the age of our dogs at sign up. We’ve used this plan for all 9 of our family dogs since spring 2016 when we switched them to this from Trupanion. We’ve had a LOT of claims, I process at least 1 to 2 claims a month on one dog or another, and so far none have been turned down. They do take longer to pay out, more like 2 to 3 weeks before you get the check, longer for extensive medical bills, but that’s not a bad trade off for the extensiveness of the coverage. They also won’t insure puppies on this plan, they have to be 1 year of age, a recent change… but other than that we’ve been pretty happy with the coverage.

George Mack
AVOID NATIONWIDE!!!
They pay on virtually no claims. The amount they take out is ridiculous, and you have to fight with them on every claim. Eventually they give and reverse decision if you threaten to cancel, but that is about the best way to get them to do what they advertise.
jim
You have Figo as a negative 14-day illness waiting period, 5 days for accidents but health paws you don’t have in negative its 15 day illness waiting period and 15 day accident waiting period whice by my account is worse