Florida is known for its relaxing beaches and beautiful sunshine, which explains why so many dog lovers choose to reside here. Unlike many other states, you can comfortably spend time outside with your dog year-round since temperatures are less harsh in the winter months. Unfortunately, all that fun in the sun can also increase the chances of your dog having an accident or becoming ill. We’re not saying you should keep your dog cooped up inside 24/7, but we are saying you can protect your wallet in case your dog lands wrong during a game of fetch or steps on something sharp on the beach. Pet insurance can help you focus on your dog’s health without worrying about what it will do to your bank account. All of our top-ranked pet insurance providers offer coverage in Florida. The monthly premium is based on your dog’s breed, zip code, pre-existing health conditions, age, and more.
Reviewed By Insurance Agent
This content was reviewed by our licensed insurance agent, Michelle Schenker.
Known for its fishing and thousands of miles of coastline, Michigan is a fun state to explore with your dog. But that doesn’t make your pup immune to accidents and illnesses. Purchasing a pet insurance policy for your dog can provide peace of mind when disaster strikes. Learn more about Michigan residents’ love of dogs and find the best pet insurance companies in Detroit, Grand Rapids, and other cities. All of our top-ranked pet insurance providers offer coverage in Michigan, so you have many options to choose from.
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.
Here you’ll find the most comprehensive list of national pet insurance companies in the U.S. Canine Journal’s experts have spent decades researching the pet insurance industry and corresponding providers. We leave no stone unturned, maintain annual rankings (with quarterly audits) of the top providers, and provide detailed individual coverage of pet insurance companies, whether they’re new to the scene or seasoned veterans. The table below shows a sneak peek of our top picks for the best pet insurance.
There is so much to do in California with your pup, from hiking in the mountains to swimming in the ocean. However, that opens up more possibilities of your dog having an accident. Getting stuck in a thorn bush, burning pads on the hot beach sand, or even having a skin irritation are not out of the realm of possibilities. This doesn’t mean you should keep your dog inside 24/7, though. Instead, you can protect your wallet with pet insurance and still go on all the adventures you dream of with your best friend beside you. All of our top-ranked pet insurance providers offer coverage in California. The monthly premium is based on your dog’s breed, zip code, pre-existing health conditions, age, and other factors.
Does pet insurance cover expensive health conditions, like cancer? It depends on your dog’s health status when you purchase the policy and after all waiting periods have passed. Because pre-existing conditions are excluded from coverage, you can’t obtain coverage for an existing cancer diagnosis for your dog. However, if you’re preemptively purchasing a pet insurance policy, then any future diagnoses, including cancer, may be eligible for coverage.
Healthy Paws is a better pet insurance company for parents wanting unlimited payouts and fast claim processing. On the other hand, Embrace is more fitting for those wanting fewer exclusions and plan customization restrictions. Read our Embrace vs Healthy Paws comparison to determine which insurer is best for your dog.
Pets Best is a better pet insurance pick than Healthy Paws for most parents. Pets Best has fewer exclusions in its policies and many ways to tailor a plan to fit your coverage needs and budget. However, Healthy Paws has a longstanding, stable reputation with a speedy claim processing average of only two days. Read our Healthy Paws vs Pets Best comparison to ensure you select the right provider for your dog.
Fetch is typically a better pet insurance choice for the average pet parent than Trupanion. Fetch has extensive coverage with unique offerings, like up to $1,000 in coverage for virtual vet visits. Fetch also has more plan customization options and lower pricing than Trupanion on average. However, Trupanion has a speedy claim processing timeline, and Trupanion Express pays vets directly to eliminate the reimbursement process. Trupanion also lists no bilateral exclusions, significantly benefiting pet parents with breeds prone to hip dysplasia or CCL injuries. Lastly, Trupanion has a per-incident lifetime deductible instead of an annual deductible like Fetch’s. This could benefit pets with chronic conditions because the parent only pays the deductible for the condition once.
Embrace has a longstanding solid reputation and is known for its extensive coverage and faster-than-average claim payouts. Lemonade is newer to the industry but is already making a name for itself with its unique and speedy Artificial Intelligence (AI)-driven claims processing and more affordable premiums. Which provider is better suited for your pet’s unique health needs and your budget? We compare coverage, customer service and reputation, claim processing, pricing, and customizations and explain which company we think is better in most cases. But remember that each pet and household budget varies, so obtaining quotes from multiple companies for your unique situation can help ensure you get the best policy and price to meet your needs.
Fetch by The Dodo and Nationwide are two powerhouse pet insurance providers. While they each offer unique pet insurance plans, they also have many similarities in their coverage and policies. We compare Fetch and Nationwide’s coverage, customer service and reputation, claim processing average, price, and plan customizations to help you see what similarities and differences they have. We also choose a winner and explain why we think one company comes out on top of the other.
Fetch by The Dodo and Figo offer some of the most extensive coverage in the pet insurance industry. Fetch offers unique coverage for things like advertising and paying a reward for a stolen or lost pet and virtual vet visits up to $1,000. Meanwhile, Figo’s prices are often hard to beat. So which one will cover what you need and fit into your budget the best? We compare coverage, customer service and reputation, claim processing, customizations, and prices and explain which company we think is better. But keep in mind that every pet and budget are different, so we recommend getting quotes from multiple companies to ensure you get the best value for your unique situation.