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.

Best Pet Insurance Companies 2020

Healthy Paws logoPets Best logoFigo logo
Visit WebsiteVisit WebsiteVisit Website
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

Free Pet Insurance Quotes

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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. 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. 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.

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

  1. Cost Comparison*
  2. Coverage Comparison

Dog At Vet: Is Pet Insurance Worth It?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 Review


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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.

Healthy Paws App Screenshots



  • 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 (may not be best for older, large dogs). 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


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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.

Pets Best Screenshot of App



  • 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
  • $2 transaction fee (waived if you pay annually or live in Maryland or Alaska)
  • Alternative/holistic therapies are not covered
  • Average claim repayment has been longer than most during the past year

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


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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, 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.

Figo App Screenshots




  • 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
  • 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)

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.

24PetWatch | AKC Pet Insurance | ASPCA | Embrace | Nationwide | PetFirst | Petplan | Trupanion

Why Don’t We Rank 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 rank pet insurance companies that have at least five full years of national experience. We think this approach gives companies time to establish a consistent pricing system and reputation, which helps give customers and us a better idea of what to expect. That being said, our experts will still cover new entrants (subject to reader demand) and bring you everything we can find on these companies in our reviews so you have all the options at your disposal.

Here is a list of companies on our radar and their founding year:

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.



  • 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 travel with you in the U.S. and Puerto Rico and up to 182 days in Canada
  • Chronic condition coverage if they go 24 months without symptoms
  • Annual deductible (not per incident)
  • Direct deposit or check for reimbursement
  • Cover 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

Coupon Code

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

Read Our Full Review Of 24PetWatch

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.



  • 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
  • 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

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.



  • 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
  • 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, 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 promises to service them within 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.



  • No per-incident limits on their claims as they use an annual deductible
  • No lifetime limit
  • Offers optional Wellness Rewards
  • BBB rating: A+
  • Pays claims between 10-15 business days
  • Up to a 10% max discount for multiple pets (5% in NY)
  • $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
  • 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.



  • 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
  • Nationwide BBB page has an alert about fraudulent checks
  • Major Medical Plan has annual limits per condition
  • $2 transaction fee for monthly payment
  • 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.



  • Wellness plan option
  • No vet exam required for enrollment
  • No waiting period for accidents
  • BBB rating: A+
  • 5% discount for second policy and 10% discount for 3 or more policies
  • Claim repayment averages 10-14 days
  • 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, 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).



  • No claims 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.)
  • 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)
  • Covers advertising lost pets, losing your pet, canceled vacation due to pet illness, etc.
  • 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 available
  • $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). 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, 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.



  • 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 12-month waiting period)
  • BBB rating: A-
  • 30-day money back guarantee
  • Pet is covered in the U.S., Canada and Puerto Rico
  • Quotes tend to be more expensive than 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)

Coupon Code

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

Read Our Full Review Of Trupanion

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 work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's 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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August 24, 2020 2:22 pm

I’d like a list of providers that do not have bilateral exclusions as long as there is not an applicable pre-existing condition.
My biggest concern is the increase in premiums and a reduction in coverage as the years pass. If there was a provider that set a yearly limit (15%?) to how much a policy could go up, I’d be likely to go with them even if it was more expensive on the front-end.
I feel like it all comes down to guessing which company/underwriter is least likely to pull a bait and switch on me.

Michelle Schenker
September 11, 2020 4:17 pm
Reply to  Kim

Hi Kim,
You can find info about what each company covers here. Additionally, the Nationwide and Trupanion sample policies we reviewed do not list any bilateral exclusions, however, contracts may have changed and they may be different for your state. So be sure to ask lots of questions and read your policy carefully before you sign on the dotted line.

While no company has caps on their annual premium increases, there is one company that provides a credit on future annual premiums if you have no claims over a period of time. You can learn more about Petplan’s No Claims Credit here or visit their website directly.

Lastly, the longer a company and its underwriter have been working together, the greater chance of more price and coverage stability.

July 24, 2020 4:42 pm

Hi thanks for your detailed info. Just when I think I decide on a company, I read something that makes me question the company all over again – it’s quite head-spinning! I have some PTSD from paying bills without insurance (I never heard of it for pets until it was too late!) for my beloved late cat who was older than 14 when he passed and he had a chronic condition that leaded to other complications over about 3-4 years. Since I know what chronic condition treatment is like, Healthy Paws not covering exams/ER Visit/Specialist fees is a huge negative for me. I want coverage that will cover chronic conditions as they develop and a company with decent enough customer service that they are reasonable and will accept vet opinions/facts and not just misinterpret things as they want so they can deny claims. I’ve also read that some companies (ASPCA maybe?) will make any condition during yearA pre-existing once the insurance renews for yearB. What!?! Also, I am confused about pre-existing conditions. I have a 1-year-old cat now and he had some respiratory thing (so common in cats and kittens!) at the shelter before I got him and he is just recovering from bronchitis and a touch of pneumonia now. The vet and vet tech said his current illness is 100% curable, and that and in no way is chronic, so they couldn’t imagine why similar future illness/conditions wouldn’t be covered. They said they think of preexisting conditions as more chronic conditions like diabetes, cancer, allergies, etc. How can a 1X viral infection (if that’s what it was, seems likely) be pre-existing? Even humans get tons of viruses over a lifetime and they are all different. I am worried all respiratory, all lung, all cough-as-symptom disorders would be excluded. I called a few companies to inquire and while they have an appeal/review process to get some preexisting conditions covered, I am unsure how successful customers are in those appeals/reviews. Based on reviews it seems like customers are always denied claims so I’d assume the company always wins for appeals/reviews too. If his illness is excluded I will appeal as soon as I can (after he’s symptom-free for however long based on the insurance company’s policy), but I am wondering which company would be most reasonable? I am not as worried about cost as years go on, I am more concerned about more coverage and more knowledgeable reps at the company that listens to reason and explanations/ opinions from vets. Thanks!!!

Nicole Gabela
June 1, 2020 4:42 pm

Please read!
I used to LOVE and rave about this company (FIGO) until my pups new policy arrived. They are corrupt and stealing from pet owners. See the attached photos for proof!
Basically my completely healthy puppy’s policy over DOUBLED in price this year and her deductible TRIPLED from what it was last year, she also lost 10% of reimbursement for her claims. I understand that policies May increase a little every year or something but DOUBLE?!?!?!? And with reduced benefits?!? This company is a complete SCAM. Best believe I WILL be telling everyone about this. I quote this from one of their representatives “Right now we are transitioning to new underwriters, IAIC. The reason for this is because our previous underwriter, Markel, had implemented many rate increases over the last couple of years, and was set to implement more, possibly over many years. In an effort to curb the multiple drastic increases, we decided to partner with new underwriters in an effort to stabilize rates. Since IAIC does rate differently than our previous underwriter, some policyholders are seeing a large rate increase this year” please tell me how my rate was “stabilized” this is absolute thievery.

Figo Customer Experience
June 9, 2020 3:54 pm
Reply to  Nicole Gabela

Hi Nicole,

We’d like to thank you for the opportunity to insure Asha. We are sorry to hear your renewal experience this year was not what you were expecting. We value your feedback and would like to take some time to address your renewal concerns.

You are correct that we are in the process of transitioning over to a new underwriter! Over the last few years, our previous underwriter had issued a series of rate adjustments. These caused a higher than normal rate increase for many of our policyholders year after year. This is why we made the decision to partner with a new insurance underwriter that has more experience in the pet insurance industry. We believe going forward, this will provide a better experience when it comes to our rates at the time of renewal.

Our new underwriter does rate the policies different than our previous one, which is why you are seeing differences this year. We understand seeing any type of change with rates or coverage can come as a shock and we do take these changes lightly. When the renewals were issued, we offered recommended coverage options to policyholders who were seeing higher changes in the premium. These are just recommendations and there are many other choices we can offer to help keep the premium down while still providing the best coverage possible.

Again, we are sorry if you felt mislead by this transition as this was not our intention. We see you are already working with a supervisor from our customer experience team. If there are any additional questions or concerns, please feel free to reach out. We are more than happy to assist with the renewal process and want to make sure you continue to feel as confident with Figo as you have in the past!

Figo’s Customer Experience Team

May 4, 2020 10:07 pm

My 5 year old dog had TPLO surgery on left leg on 12/23/19. My employer is offering Nationwide-My Pet Protection plan with a 250.00 deductible, 10% co-insurance, 80% coverage. The underwriter wrote code # 2702 cruciate/meniscus surgical and the code# 0003 condition identified as pre existing. We are worried about the right CCL and if it will be covered should it get torn. Maybe we even went with the wrong plan in which case we have 30 days to get a full refund. Thoughts on the above scenario? Which insurance wld u recommend if future CCL tear is a real possibility for your dog?

April 25, 2020 1:32 pm

I just contacted Healthy Paws for a quote on my two new puppies – 11 week old Great Pyrenees and an 8 week old Newfoundland. It came back at 70% with $500 deductible. They then write in the automated response that they might not be the best value for my pet and pointed me toward other carriers (Embrace, Pet Plan, Prudent Pet, Agile). I thought that was odd – and the coats were high with no choice on the co-pay or deductible. Thoughts on this?

Tim from Healthy Paws
April 28, 2020 1:40 pm
Reply to  Terry


We appreciate your consideration of Healthy Paws to protect your pups. In order to provide our coverage, with no annual or lifetime caps, we adjust our rates based on your pet’s information and our overall claims payout in each state. We have consolidated our policy options to reflect the most affordable and effective plans for pets that enroll with us. For each age group and breed, we offer reimbursement and deductible options that will provide affordable premiums while still offering coverage with no annual or lifetime caps. We include the information for other pet insurance providers in case you would want to investigate other plans that may offer lower deductibles and higher reimbursement levels for your babies. Give them big hugs for us.

April 6, 2020 7:21 pm

Hi Kimberly. My corgi has had Petplan since he was a pup(currently 8) including when the company switched hands few years ago. I am not aware that they lower premiums for keep your pup healthy. Each year my corgis plans have gone up with age and we haven’t had claims.

With that said I am looking at different options for my incoming Frenchie. I live in CA and it seems the Insurance pricing for the breed Is just higher due to their known health concerns. I am debating between healthy paws and nationwide.

Healthypaws show $86.55/mo 500 annual deductible and only 70% reimbursement.

Nationwides whole pet show 193.39/mo 250annual deductible and 90% reimbursement.

Nationwides other two lower premium plans doesn’t seem to cover as much. I read somewhere they they don’t cover nares and soft pallet surgeries(hereditary), which most Frenchie s eventually need. I tried to read their other premiums sample coverage. Obviously it’s speaking in a medical language I don’t understand. The upside to nation wide is it covers basically everything but the annual cost is 1300 more than healthy paws. Not to mention, annual increases and my Frenchie is barely 8weeks. I did a calculation on nationwide based on the annual cost after the first year with preventative care. It’s about 400. Minus deductible and 90% reimbursement, I get about $120 back/year.

Healthy paws doesn’t cover any of the preventative. Out of pocket cost would be about 400 still excluding food toys etc. My concern is that healthy paws is only at 70% reimbursement with 500 deductible. I called them and inquired. It can’t be changed and there are no choices. They also don’t cover for special food/diets which frenchies sometimes may need depending on how sentive they are(not a huge deal breaker)

With that said healthy paws annually would cost me $2,450 including the $250 deductible and preventive care reimbursement of $120 or so with premium. Healthy paws annually would cost $1,938 including the deductible and $400 out of pocket preventative annual cost with premium.

I’m stuck as to which to choose. Nationwide will increase rates for sure. Not sure how feasible to pay more and more each year on their whole wellness plan. Healthy paws is only at 70% reimbursement….

Trupanion is $129/mo with 700 deductible.
Petplan is $136/mo with 300 deductible 80% reimbursement 15k max payout. These aren’t really on my radar.

Please provide your two sense. Would love to hear. I also think frenchies are just expensive! Lol I want an insurance that will cover the general Frenchie health concerns. Thank you thank you!

I’ve read Frenchie forms and most are on nationwide in seems. Not the whole wellness plan though. Healthy paws was next.

April 9, 2020 12:43 pm
Reply to  Kimberly Alt

Hey Kimberly,

I think one concern I have going with any insurance is it feels as tho if I make the “wrong” move and then there’s a pre existing…that’s it. No switching, nothing. In which case something like the expensive nationwide plan would be great but hard to maintain cost wise.

I’ll call healthy paws again today. Do you know if they cover hereditary? I try to read their documents and again it’s in total vet language.

Is there another company you would recommend checking? It seems that each one is pretty expensive due to the breed…I assume?

Caroline L
March 23, 2020 8:53 pm

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.

Caroline L
March 27, 2020 2:46 pm
Reply to  Kimberly Alt

Hi Kimberly,

I think I’ve narrowed down my choices to Embrace and Nationwide. I reached out to my vet regarding what plans his office recommends. I have a lot of trust in my vet‘s input as he helped me resolve a misdiagnosis one of my previous dogs received many years ago from a different vet office. His second opinion allowed her to avoid unnecessary surgery at $2000 estimate. He also saw me through another dog’s cancer diagnosis and treatment and end of life after his body couldn’t take anymore.

I was recommended Healthy Paws, Trupanion, Embrace, and Nationwide for the most approved claims and payouts – with the quickest payouts coming from Trupanion. I was also informed that many clients with Embrace have completed the Orthopedic Exam to shorten their 6 month wait periods for ortho conditions. So the office is familiar with how to fill out the documentation. Many clients have been denied claims with heart conditions with ASPCA. Clients have also reported back low payouts and a lot of denied claims in general. Therefore the office advises against ASPCA.

Trupanion’s quote for my dog was $132.80 per month 90% coverage, $250 deductible including Pet Owners coverage and Rehabilitation coverage. This quote is significantly higher than the $96.77 per month for the Whole Pet with Wellness coverage on Nationwide (90% coverage, $250 deductible). I do agree with another article on Canine Journal that states Nationwide strong arms you into the Whole Pet with Wellness plan. I read over the max coverage for the two other alternatives they offer for primary and secondary diagnosis, and would be very concerned about my dog lacking coverage.

My dog is listed as a mix breed in his medical records so this is what I list when attaining quotes, but he looks to be a golden retriever mix. Being that he’s turning 4 fall of this year, I expressed concern over Nationwide’s 12 month wait for ccl coverage and Healthy paws 12 month hip coverage. Vet agreed as this is a very long wait period and advised Embrace as the best option for me.

I will be contacting Healthy Paws and Nationwide to see if any sort of exam can be done to shorten the wait time for hip and ccl issues.

As far as health issues my dog has had, he is a rescue. I got him at 8-9 months old. He we underweight so the vet we took him too (not my usual one) put him on a calorie paste. He also had hookworm so I paid for deworming out of pocket. We were also given a script for eye wash as his eyes were cloudy. Vet suspected this was due to debris from scavenging outdoors. Vet noted in medical report that my dog’s right paw bends more than other but in the almost 3 years since then he has not had any oath issues. He has had no medical issues during his recent checkups with my vet. But I am still concerned this paw bending noted during his first checkup after being found will be considered a preexisting condition if he tears ccl later in life.

I am still uncertain whether we need wellness coverage but with the cost of his flea/tick and heart worm, we might. I approximate his annual expenses at $308. With Flea and heart worm preventative goes up to $660 (90 for year of Interceptor, $256 for nexgard as its 64 for 3 months).

I know that Nationwide’s payout for wellness is after the 250 deductible and after the 10% copayment but I don’t know if this is also true for Embrace.

I welcome any advice you may have to help me decide on a plan. Thanks!

February 26, 2020 2:01 pm

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 from Healthy Paws
February 27, 2020 12:19 pm
Reply to  Cooper

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.

February 20, 2020 1:14 pm

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

January 13, 2020 5:26 pm

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
September 17, 2019 8:40 pm

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!

September 9, 2019 4:47 am

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???

September 9, 2019 4:42 am

Pets best or AKC? for a 2 month old mixed retriever puppy with focus on Wellness plan + insurance coverage.

Kathy Spacht
August 4, 2019 11:41 am

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
August 3, 2019 10:46 pm

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
May 30, 2019 9:17 pm

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...
April 12, 2019 1:09 am

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!!

March 3, 2019 11:58 pm

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.

February 23, 2019 8:34 pm

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
January 10, 2019 8:52 pm

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
November 19, 2018 7:49 pm

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.

September 25, 2018 1:23 pm

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?

June 15, 2018 2:59 pm

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?

August 1, 2018 12:02 pm
Reply to  Jana

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.

October 8, 2018 12:42 pm
Reply to  Lisa

Same thing happened to me with my two year old dog.

June 6, 2018 10:06 am

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.

March 24, 2018 3:43 pm

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.