In today’s world, having insurance for your pet is a popular theme for pet parents. Pet insurance companies keep competing to offer the best coverage possible. How do you know the best options with the ever-growing list of companies jumping on board?
Here, we will look at an overview of the leading pet insurance companies and what each of them offers. We rounded up ten with the most comprehensive plans. But which one will work best for your dog or cat? Look at these reviews.
A Quick Look at the Winners for 2024
| Image | Product | Details | ||
|---|---|---|---|---|
Best Overall
|
|
Trupanion Pet Insurance |
|
Click to Get Quote |
|
|
Embrace Pet Insurance |
|
Click to Get Quote |
|
|
Pumpkin Pet Insurance |
|
Click to Get Quote |
|
Figo Pet Insurance |
|
Click to Get Quote | |
|
Healthy Paws Pet Insurance |
|
Click to Get Quote |
The Top 10 Pet Insurance Providers Reviews
1. Trupanion Pet Insurance
| Reimbursement: | 90% |
| Deductible: | $100 |
Vet hospital submits a claim, you pay out of pocket, and Trupanion covers the rest. Works with every hospital in North America. It is also available in Australia and Canada. They have the neat advantage of paying your vet directly.
Trupanion covers up to 90% of all veterinary costs and has no payout limits. So, if your pup has a few rough months, you’ll be no worse for the wear. You also have the option for Trupanion to pay your vet directly for the expenses.
One feature we really love about Trupanion is that they will cover up to half the cost of prescription pet foods. So, if your dog develops allergies or a disease that requires a special diet, you won’t have to go broke trying to keep up with food costs.
However, Trupanion offers no additional discounts other than already-low rates. But they do have a lifetime per condition deductible, so it can be really worth it!
2. Embrace Pet Insurance
| Reimbursement: | 80% |
| Deductible: | $200 |
Embrace Pet Insurance is another great provider, in our opinion. Embrace serves both canine and feline friends. They are backed by lots of happy customers, too.
Like some other companies, Embrace doesn’t offer coverage for preexisting conditions. But they do allow coverage with certain curable preexisting conditions if your pet has been deemed symptom-free for 12 months.
Many companies have a limit for seniors but Embrace says to heck with that. They offer coverage for seniors up to 15 years. They also have Wellness Rewards that cover preventative care.
Embrace offers a 10% multi-pet discount, so you can easily cover all your beloved house pets for less. They only exclude certain preexisting conditions, cosmetic procedures, DNA testing, and pregnancy/birth-related visits.
3. Pumpkin Pet Insurance
| Reimbursement: | 90% |
| Deductible: | $100, $250, $500 |
Pumpkin Pet Insurance is one of the more affordable choices in the market. They have classically good customer service, focused on the pet owner experience.
The website is seamless. To get started, you simply select your pet and answer a series of questions about your pet. Policies auto-populate, showing up with the most relevant coverage first. If you have more than one pet, you can save an additional 10% on each policy.
If you want decent coverage at a great price with lots of perks, we recommend Pumpkin. They have a 90% reimbursement rate, one of pet insurance’s highest paybacks. This company believes in coverage, and it shows.
Regarding value, we really think Pumpkin offers the most beneficial coverage for the best price. Plus, they offer a 10% reduced price for multi-pet plans. You must be enrolled 14 days before service active.
4. Figo Pet Insurance
| Reimbursement: | Up to 100% |
| Deductible: | $100-$1,500 |
Figo Pet Insurance offers coverage that’s hard to beat. They have a clean, well-thought-out website that is easy to navigate. You can chat with an expert anytime to get more information—outstanding customer service.
Something really valuable about Figo is that they might cover preexisting conditions. Most companies stand a firm no on this, but Figo will cover some conditions as long as your pet has been symptom-free for one year. They have three flexible plans that you can tailor to your pet.
Figo also offers 24/7 access to a licensed veterinarian through the company. So, you have professionals on hand working for your cat or dog.
This company offers one annual deductible to help you save. There is also a 100% reimbursement option, which is unusual and super convenient for the right pet parents.
5. Healthy Paws Pet Insurance
| Reimbursement: | 90% |
| Deductible: | $100, $250, $500 |
Healthy Paws definitely deserves a mention. They have lightning-fast claim payouts—thanks to the speedy app they offer. You can hop on to make changes or view your policy.
This company offers reimbursements based on the vet bill total, not based on a points system. So, you can get a payout within a few days of your claim submission.
Healthy Paws really does their part, involved in many charities and non-profits. They try to give back to the community, working to help needy pets—and we love that.
Healthy Paws has no caps or limits on annual expenses. It also has no costly add-ons to mention. They offer a Healthy Paws Refer-a-Friend program, too. You can get $25 just to get a friend on board.
Reimbursement does take roughly ten days, so it’s much longer of a process than some. This might be a turn-off, especially if you expect or count on speedy payouts.
6. ASPCA Pet Insurance
| Reimbursement: | 90% |
| Deductible: | $100, $250, $500 |
The ASPCA is always working hard to protect our pets. Its insurance coverage is no different. The ASPCA remains a leader in the industry and offers up to 90% cash back on all vet bills.
The ASPCA works to ways—you can choose the Complete Coverage plan or just opt for accidents only. That is totally up to you and what you feel works best for your pet. The company covers visits to the U.S. and Canada.
The Complete Coverage plans cover lots of things that others don’t. For instance, it covers preventative care, exam fees, and accidents. But these features are considered add-ons and not main aspects of the plan.
The ASPCA offers a 10% discount if you have a policy for more than one pet.
7. Nationwide Pet Insurance
| Reimbursement: | 50-70% |
| Deductible: | $250 |
Nationwide Pet Insurance is one of our favorite pet insurance company to date. Coverage works for all vet offices anywhere in the world. We concluded that because of their innovative coverage for exotic pets, Nationwide deserves a few more claps than the rest.
Nationwide advertising covers all medical costs. You simply visit your vet, get the receipt, hop online, and file a claim. Once Nationwide receives your claim, you are reimbursed with a check.
You can essentially pick one of two types of coverage: wellness plans or accidental care. You can even add both coverage areas to your policy if you need.
Nationwide will take pets up until age 10. They never drop animals from care as long as you keep your policy active the whole time with no lapses or expirations. Once your policy is active, you can cancel your policy anytime. If you cancel within the first 10 days, you even get a 100% moneyback deal.
There is listed information on the website, guiding you toward the right place.
8. AKC Pet Insurance
| Reimbursement: | 70-90% |
| Deductible: | $100 to $1,000 |
The AKC is expert leaders in dog breed standards. We have to commend them on their efforts to cover pets in need. Your pet doesn’t have to be a purebred to benefit from this insurance.
The AKC has base plans that cover accidents and illness. It also includes cancer treatment in its plans, unlike many competitors. Interestingly, the AKC even advertises preexisting conditions coverage. And even though no company offers coverage for 100% of preexisting conditions, your pet may qualify after a 365 trial.
AKC Pet Insurance allows you to take your pet to any existing vet.
You can add on certain features to boost your policy coverage. They also have an app called Tailtrax that you can track reimbursements.
The AKC covers all dogs and cats across America but not in other countries.
9. USAA Pet Insurance
| Reimbursement: | 70-90% |
| Deductible: | $50 |
USAA offers a comprehensive list of options for pet owners. It allows you to choose your coverage options and reimbursement rate per policy.
We love that USAA has a vanishing deductible, as this can save you quite a bit down the line. However, it’s a slow process that will gradually decrease, so it shouldn’t be a factor.
They also offer Wellness Rewards. That means if your pet is very healthy, you can earn reward points for preventative and routine vet care.
When it comes to savings, USAA has some pretty awesome discounts. If you are a USAA member, you qualify for 15% off your policy. If you serve in the military or have multiple pets, you can save an additional portion—totaling nearly 25%.
10. Bivvy Pet Insurance
| Reimbursement: | 50% |
| Deductible: | $100 |
Bivvy has a pretty good setup—no variable rates. They have the same $15 charge for pets monthly across the board. Bivvy will cover expenses up to $2,000 a year. It’s a modest company offering coverage, but they don’t have as much to offer as some competitors.
Bivvy only has a $15 premium across the board. Essentially, Bivvy pays for half of the expenses. They offer a 50% coinsurance pay, and they pay the other 50%. So, you can expect at least half of your vet bills covered, which is not ideal for some families.
Bivvy offers a Wellness Care plan that covers preventative and routine care with vaccinations.
Sometimes we can’t afford to pay for vet bills upfront, even if we will be reimbursed in a few days. To navigate around this, Bivvy offers Bivvy Pet Credit. If you apply, you can essentially charge the medical payments, getting approved for a loan number to match your needs.
Buyer’s Guide: Choosing the Right Pet Insurance Provider
Pet insurance is still a relatively new, but it’s rapidly growing in popularity. Companies will have policies that work for various customers for different reasons. What someone thinks is a terrific pet plan might not work for your situation—and that’s okay! But here are some aspects to consider while you shop.
Policy Coverage
Your policy should reflect whether you’re getting insurance coverage as a preventative or for a specific reason. Each company will have lists of covered visits. They should also have a list of things they will not cover.
Customer Service & Reputation
If you’re putting your pet’s wellbeing into a company, you want to have faith in its customer service department and a special interest in what they do for other customers. Reading reviews from real policy holders can help you decide. Always check up on sites like TrustPilot that show company reputation, pros, and cons.
Claim Repayment
Each company will handle claims a little differently. Once your claim is filed, companies usually offer reimbursement within 2 to 3 days. Some companies offer reimbursement up to 90%, but most generally, it lies somewhere within 70%.
Insurance companies will have defined lists of what they accept and don’t. So, if you are familiar with coverage, you can financially plan vet visits.
Price Of Policy
Obviously, you will want the most significant savings for insurance, but you can’t skip out on quality. You need your policy to include all of the coverage areas you desire, so you might pay more than you would for basic care if you want specifics.
Plan Customization
You will want to have a flexible plan to which you can make easy changes if needed. Some companies offer certain periods where you can make select changes, others have no hard lines on the subject.
Many insurance companies have personalized apps their customers can download to their mobile devices.
FAQ
Can I Get Pet Insurance Outside the U.S.?
You can pet insurance out of the U.S., but each company is different. Check with individual companies if you live outside of the United States to see if you qualify.
What If My Insurance Company Is Not Listed in Your Reviews?
Just because your insurance company isn’t listed, that doesn’t mean that you should necessarily make a switch. If you currently have a policy that works for you, there is no need to switch.
You have to do your own research when choosing an insurance company. There will be slight differences in what works best for you.
Which Pet Insurance Provider Has the Best Consumer Reviews?
Embrace has an outstanding reputation among its customer base. They have easily rated the number one pet insurance company due to their fabulous customer service, savings, and perks.
What Is the Best And Most Affordable Pet Insurance?
Bivvy might be the last on our list, but they are the most affordable. So, if you want a little help with bills when you need it, it might be worth checking out.
Otherwise, we think that not only is Embrace the best option for pet insurance, but they also offer the most significant savings. Even though their policies can be pricy, you get so many discounts—plus, they offer a decreasing deductible, which can really work in your favor.
What the Users Say
Pet insurance is still growing in popularity, developing more with every day. Because it is still so new, feedback is super important.
As pet insurance develops, companies expand their services and tailor their policies to satisfy their customer base. At this point, there may be some trial and error, but we see it going in a very positive direction.
Insurance still has a long way to come picking up less prevalent animals, like small mammals and reptiles.
Conclusion
Pet insurance is still changing very much along with demand. There is still so much room for improvement and versatility. Hopefully, in the future, we will see changes to premiums and pets who are covered.
We appreciate these companies’ effort into protecting your pets, but we think Trupanion beats them all. They have comprehensive coverage, great benefits, and modest prices.
Which plan works the best for your pup’s needs?
Featured Image Credit: thodonal88, Shutterstock
