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Best Pet Insurance

15 Companies

104 Real Customer Reviews

4.3
Average User Rating

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9.6

Overall Score

83 User Reviews

4 days ago

  • Dog Insurance Starts at $32 per Month
  • Cat Insurance Starts at $26 per Month
  • Routine Care Rider Available

PetFirst

  • Dog Insurance Starts at $32 per Month
  • Cat Insurance Starts at $26 per Month
  • Routine Care Rider Available
$100 Guarantee

6.0

Overall Score

13 User Reviews

3 months ago

  • Processes Claims Within 3-5 Days
  • Covers Holistic and Alternative Therapies
  • Annual Deductible
View Company Profile

FIGO

  • Processes Claims Within 3-5 Days
  • Covers Holistic and Alternative Therapies
  • Annual Deductible
  • 5% Multi-Pet Discount
  • Complimentary Vet Help Line
  • Automatic Payment Plan

Nationwide Pet

  • 5% Multi-Pet Discount
  • Complimentary Vet Help Line
  • Automatic Payment Plan
  • Pet Owner Assistance Package
  • Plans for Pets Younger than 14 Years Old
  • $35 Administration Fee

Trupanion

  • Pet Owner Assistance Package
  • Plans for Pets Younger than 14 Years Old
  • $35 Administration Fee
  • Pet Owners Can Choose the Annual Maximum
  • 48 Hour Accident Waiting Period
  • 20% Veterinary Hospital Discount

Embrace

  • Pet Owners Can Choose the Annual Maximum
  • 48 Hour Accident Waiting Period
  • 20% Veterinary Hospital Discount
  • Transparent Monthly Premiums
  • 5% Discount for Multiple Pets
  • Paid Out $150M+ In Claims

Pets Best

  • Transparent Monthly Premiums
  • 5% Discount for Multiple Pets
  • Paid Out $150M+ In Claims
  • Lifetime Protection Membership
  • Per-Incident Deductible
  • Strict Age Limit

24 PetWatch

  • Lifetime Protection Membership
  • Per-Incident Deductible
  • Strict Age Limit
  • No Maximum Age Limit
  • Annual Deductible
  • Coverage in the U.S. and Canada

AKC Pet Insurance

  • No Maximum Age Limit
  • Annual Deductible
  • Coverage in the U.S. and Canada
  • Complete Coverage or Accident Only
  • No Limits on Claim Submissions
  • Submit a Claim 270 Days After a Visit to the Vet

ASPCA

  • Complete Coverage or Accident Only
  • No Limits on Claim Submissions
  • Submit a Claim 270 Days After a Visit to the Vet
  • Extensive Accident and Illness Plans
  • No Wellness Coverage
  • Donates to the Best Friends Animal Society® Save Them All® Campaign

Petplan

  • Extensive Accident and Illness Plans
  • No Wellness Coverage
  • Donates to the Best Friends Animal Society® Save Them All® Campaign

Important Things to Know about Pet Insurance Companies

According to Statista in 2017, 89.57 million dogs, 95.6 million cats, and 20.6 million birds were kept as pets in the United States. Needless to say, our pets play an important role in our lives. Animals have been linked to improving our mental, social, and physical health, so it only seems right that we provide them with all that they need to live long and happy lives. Pet Insurance is an excellent option for owners looking for peace of mind and coverage for their pets’ safety and health.  

Premiums

The monthly or annual premium for pet insurance is based on several factors: your pets’ age, breed, whether they are spayed or neutered, and where you live.

An average pet insurance policy will cost you $35-$45 a month. A more expensive policy will cover more conditions (anything from an accident to an unexpected illness), while a less expensive policy is most likely only to cover accidents.

It’s important for pet owners to choose a pet insurance policy that will be most beneficial for your pet and your budget. 

Deductibles

The deductible is what you will pay out of pocket before your provider will reimburse you for the covered expenses. Depending on which provider you have, there are different tiers of deductibles: low, mid-range, and high. Typically, the higher your deductible, the lower the annual premium will be and vice versa.

Waiting Periods

Some providers have a waiting period for their pet insurance. This waiting period is the time you are required to wait before your coverage starts. If anything were to happen to your pet (injury or illness) in the waiting period, that condition would not be covered by your policy. 

Pre-existing Conditions

Pre-existing conditions are never covered. If your pet has a condition or is showing symptoms before your coverage begins, this qualifies as a pre-existing condition.

Exclusions

Before purchasing a pet insurance policy, make sure you know what is covered and what is not. Some providers will exclude certain purebred dogs that are genetically prone to getting cancer and other conditions. Other providers will limit what cancer treatments are covered and only offer coverage as an add-on feature for a price. If you’re unclear about what your provider excludes in their policies, call and ask for a list of exclusions.

Reimbursement Model

Pet Insurance works on a reimbursement model, meaning you will pay the bill (most often you’ll have to pay the bill in full) at the veterinarian office and then submit your proof of payment to your pet insurance provider for the reimbursement.

Pet Insurance vs. Pet Wellness Plan

Pet insurance covers injury and illness. However, it does not cover annual check-up services — vaccines, bloodwork, dental cleanings, microchipping, preventive treatments for parasites, spaying and neutering, as well as behavior training. A routine care rider can usually be added on to your pet insurance for an additional fee.

When should I enroll in pet insurance?

Enrolling in pet insurance when your pet is younger will end up making the most financial sense. Usually, young pets are the least expensive to insure. Younger pets are more likely to swallow something they shouldn’t or become injured while playing, so having a policy can save you from having to pay for expensive procedures in the future.

If your pet is older, it will be more expensive to insure your pet because older pets are more likely to develop health issues. Purchasing a policy for an older pet with pre-existing conditions doesn’t make much sense, since they won’t be covered. Many pet insurance providers have an age limit on their policies and don’t offer coverage. 

What pre-existing health conditions are likely to be excluded?

  • Cancer
  • Orthopedic conditions
  • Allergies
  • Heart disease
  • Diabetes
  • Skin lumps
  • Hypothyroidism or Hyperthyroidism
  • Arthritis
  • Urinary blockages

Insurance providers do not cover these conditions because they do not have a cure.

What are the pros and cons of pet insurance?

The pros and cons of pet insurance include the following:

Pros:

  • Emergency procedures are usually covered
  • Customize your coverage
  • Affordable care should your pet become seriously ill
  • Peace of mind for pet owners

Cons:

  • Depending on your plan, pre-existing conditions may not covered
  • Most policies have deductibles, copays, and caps that may limit your pay out
  • Pay more for insurance than you get back

How much can I expect to pay in annual expenses for my pet?

In 2017, the APPA National Pet Owners Survey discovered the basic annual expenses for dog and cat owners:

Dogs:

  • Surgical vet visits: $474
  • Routine vet visits: $257
  • Food: $235
  • Treats: $72
  • Kennel boarding: $322
  • Vitamins: $58
  • Grooming: $84
  • Toys: $47

Cats:

  • Surgical vet visits: $245
  • Routine vet visits: $182
  • Food: $235
  • Treats: $56
  • Kennel boarding: $164
  • Vitamins: $46
  • Grooming: $30
  • Toys: $30

Should I get a Pet Wellness Plan?

While pet insurance covers accidents and illnesses, it doesn’t include basic routine coverage. A routine care rider or wellness plan is a good idea to purchase alongside your pet insurance as it will allow you to save for these expected expenses.

Which pet insurance company is right for me?

Each pet insurance provider will have different coverages and requirements. It’s important to find a company that will cover what your pets’ specific needs are. In general, pet owners should look for pet insurance companies that offer various types of pet health coverage, additional wellness plans, and positive customer reviews.