Reviewed By Insurance Agent

This content was reviewed by our licensed insurance agent, Michelle Schenker.

Yorkie at the vet with owner holding him and signing clipboard that vet is showing owner with expenses for services

Best Pet Insurance Companies In 2023: Reviews & Comparison Tables

To help you select the best pet insurance for your pet, we rank companies based on policy coverage, customer service and reputation, timeliness of claim payment, policy price, plan customization, and what companies excel in. We review the pet insurance industry’s most reputable companies, research extensively, and analyze customer feedback. Our licensed insurance agent fact-checks everything, and we update our coverage throughout the year as providers change their policies, premiums, payout limits, reimbursements, customer service experience, and more. Who are the best pet insurance companies this year? Let’s find out.

Small dog dog laying in grass with dog bowl

Lemonade Pet Insurance Review: A Promising New Provider?

Lemonade hit the pet insurance market in July 2020 with a unique Artificial Intelligence (AI)-driven claims process and four solid years of providing reputable homeowners and renters insurance. For pet insurance, they offer affordable premiums, customizable policies, a wellness plan add-on, and a fast claims process they handle through their smartphone app. But does Lemonade provide all the coverage you’ll need for your pet? And how do they stack up against their competitors?

two pom puppies tilting their heads sitting on white sofa

Nationwide vs Lemonade Pet Insurance: Is Newer Better?

When it comes to pet insurance, Nationwide had almost seven times the gross written premiums (GWP) amount of Lemonade in the U.S. in 2022.1 But bigger doesn’t always mean better. Nationwide Pet Insurance (formerly known as VPI) was founded in 1984 and was the first pet insurer, selling its first policy to Lassie, the heroic TV Collie. Nationwide has had decades to build its reputation and grow its customer base. Although Lemonade is only a few years old (founded in 2020), it is disrupting the pet insurance marketplace and is quickly increasing in GWP.

2 labs (one chocolate one yellow) laying in the grass with tongues out smiling off leash and orange ball near them

Embrace vs Healthy Paws: Who’s Top Dog?

Veterinarian bills can get pretty expensive, especially if your new pup makes frequent visits. Just the normal costs of aging can get pricey. Maybe Embrace or Healthy Paws can help you out. Find out which company is the better choice to help reduce your vet bills, especially in times of an emergency.

two dogs at the vet on exam table wearing lab coats laying down

Pets Best vs Nationwide: Which Pet Insurance Is Best For You?

Nationwide had the most gross written premiums (GWP) for pet insurance in the U.S. in 2022, with $860.6 million. Pets Best writes less than half of Nationwide’s, with $365 million GWP.1 But just because Nationwide has more than double the amount of GWP than Pets Best, that doesn’t necessarily mean it’s better.

White dog with face on table with financial documents and owners sitting

What Are Pet Insurance Deductibles & How Do They Work?

What does it mean when a company says it offers an annual deductible vs an incident deductible, and why does it matter? How does a deductible impact the overall amount of money that you’re responsible for paying? Your pet insurance plan’s deductible directly affects the amount of money you’re responsible for paying. We explain everything you need to know about deductibles so you feel more confident when you choose your pet insurance policy.

Dog at the vet with a hurt paw

State Farm Pet Insurance Reviews: Are They There For Your Pet?

Most are familiar with State Farm, a large U.S. insurance company that provides reliable home, auto, rental, and other policies. But did you know “State Farm is there” for our furry friends as well? State Farm pet insurance policies are offered through a partnership with Trupanion, a well-established pet insurance provider. State Farm Insurance for pets is identical to what Trupanion offers independently. Trupanion has one simple plan offering 90% reimbursements, no payout limits, fast claim processing, and vet-direct pay at participating clinics. Here, we’ll give you a brief overview of this plan’s other features, coverage, and cost. You can find more detailed information in our Trupanion Pet Insurance review.

Wagmo founders sitting next to dog in park (caption: Wagmo Pet Insurance Review)

Wagmo Pet Insurance Reviews: With Promo Code, Plans, Wellness Coverage & More

Wagmo started out offering stand-alone pet wellness plans to customers but recently added the option for traditional pet insurance as well. It’s one of the few companies to offer both wellness and insurance coverage for your pet. You can purchase either of these policies individually or you can add a wellness plan to their pet insurance plan for an additional fee. Wagmo pet insurance isn’t available in all 50 states yet, but it has plans to keep growing. Find out if Wagmo prices are in line with the competition and if its coverage meets your needs.

Terrier dog sitting (Caption: Toto Pet Insurance Reviews)

Toto Pet Insurance Reviews

Toto was founded in 2018 and offers accident and illness coverage for your furry family members. Plans are customizable with various deductible, reimbursement, and payout limit options. Toto is unique because it offers Final Respect coverage, an optional add-on that reimburses you up to $300 for the cost of necropsy (autopsy), cremation, and urns. Other pet insurance companies don’t offer coverage for these items. Toto doesn’t allow you to transfer the plan over to someone else if ownership of the pet changes. This is something that other competitors allow through their policies. Additionally, Toto may change your premium, coinsurance amount, annual deductible, and policy terms and conditions at renewal.

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