Pet Care

9 Best Pet Insurance Companies: Top Picks for Your Furry Friends in 2024

9 top pet insurance companies in USA

Choosing the right pet insurance company is a pivotal decision for pet owners looking to safeguard their furry friends’ well-being and manage veterinary expenses. With policies varying widely in coverage and cost, it is essential to navigate the market with precision. In-depth analysis of pet insurance providers across the nation has revealed top-tier companies, distinguished by their comprehensive coverage options, robust financial foundations, and positive customer reviews, offering pet owners peace of mind with tailored plan choices.

With an array of plans available, identification of the best pet insurance policies demands meticulous scrutiny of each option’s unique features. Whether prioritizing affordability, inclusive coverage for diverse ailments, or flexible plan structures, pet
can secure financial protection for their pets through judicious selection of the right insurance provider.

Pet Insurance Key Takeaways

  • Careful comparison of pet insurance is essential due to diverse policy options.
  • Top insurers provide a balance of coverage, stability, and customer satisfaction.
  • Selection of ideal pet insurance hinge on individual needs and plan specifics.

Top Pet Insurance Companies Overview

Top Insurance Companies for Pets

Top Insurance Companies for Pets

When selecting a pet insurance plan, it’s essential to consider the breadth of protection it provides. The leading insurers in this space typically offer a range of plans covering accidents and illnesses, ensuring pet parents have financial support for various treatments, from medication to surgery. Below is a summarized guide to some of the highly regarded pet insurance companies:

  1. Embrace: Offers multiple discount options
  2. Figo: Optimal choice for cat health protection
  3. Pets Best: Known for adjustable protection plans
  4. AKC: Recognized for covering pre-existing conditions if pets have been symptom-free for a certain period
  5. Fetch: Provides comprehensive coverage that includes emergency and hereditary conditions
  6. MetLife: Tailored offerings for canine companions
  7. Nationwide: Specializes in plans for exotic animals
  8. Spot: Renowned for its extensive coverage range
  9. Trupanion: Ideal for long-term, ongoing health issues

Affordable and dependable pet insurance mitigates the financial impact of your pet’s emergency hospitalization and treatment for chronic diseases, including cancer or hip dysplasia. Many insurers include accident-only options and cover diagnostic testing. It’s advisable to assess the annual coverage limits and understand what specific treatments are eligible for claims, ensuring clarity and confidence in your choice.

Embrace Pet Insurance: Multiple Savings Offered

  • Embrace features customizable plans tailored to pet owners’ needs.
  • Offers significant multipet discounts for insuring multiple pets.
  • Recognizes and covers treatable pre-existing conditions.

Embracing Comprehensive Pet Care

Embrace is renowned for its expansive pet insurance options, featuring customizable plans tailored to individual needs, including coverage relevance even for conditions that have healed.

Plan Customization

  • Flexible deductibles and annual limits ranging from $5,000 to unlimited coverage yearly.
  • A standard policy encompasses alternative care such as chiropractic, acupuncture, and physiotherapy.
  • Coverage extends to examination fees for qualifying conditions and reimburses for vet-supplied behavioral therapies.

Discounts and Savings

  • Embrace extends a 10% multi-pet discount and a special 5% discount for military personnel (certain state exclusions apply).
  • A health-based discount initiative is also in progress, designed to reward pet well-being.

Coverage Specifications

  • Protection for orthopedic injuries after a 180-day waiting period; this can be reduced to 14 days post a veterinary examination.
  • Accident and illness protection are granted to pets as young as 6 weeks and up to 14 years old, with continuous coverage into the pet’s later years.
  • For pets enrolled from the age of 15, coverage is concentrated on accidents exclusively.

Plan Options

  • A diverse selection of plans includes comprehensive accident and illness, accident-only, and wellness coverage to fit various pet health needs and budgets.

Optimal Insurance Choice for Felines: Figo

  • Plan Customization: Tailored coverage, various deductibles, and ample reimbursement levels.
  • Coverage: Comprehensive protection for cats.
  • Assessment: Top-tier choice for feline insurance.

Figo Pet Insurance Coverage

Figo stands out in the pet insurance market with its ability to tailor plans to a pet owner’s specific needs, offering extensive medical coverage for cats and dogs. The insurer has shown a notable presence by providing one of the market’s more affordable cat insurance premiums, revealed in a comparative study by NerdWallet.

Plans offer owners the flexibility to choose from various annual deductibles and reimbursement levels, including a coveted 100% reimbursement option post-deductible, subject to annual limits. The available plans cover a host of medical necessities, ranging from accident and illness coverage to wellness add-ons, accommodating different pet care budgets and preferences.

Key Features:

  • Annual limits: Options of $5,000$10,000, or unlimited.
  • Deductible range: $100 to $1,500.
  • Reimbursement choices: Up to 100%.

Figo doesn’t just offer extensive coverage for traditional medical care; it also includes less common benefits like nonroutine dental services and hereditary condition treatments, providing owners with comprehensive protection. Additionally, policyholders benefit from Figo’s Pet Cloud app, which streamlines managing pet healthcare, like organizing medical records and accessing live veterinary support.

In terms of eligibility, Figo ensures that even the youngest pets can be insured starting at eight weeks old, with no maximum age restrictions, making it accessible for pets at any life stage.

For further details, you may consider looking at Figo Pet Insurance Review 2024 provided by Forbes Advisor.

Flexible Coverage by Pets Best

  • Customizable Plans: Adjust coverage to suit your pet’s unique needs.
  • Direct Vet Payment: Convenient and straightforward billing.
  • Diverse Plan Options: Including comprehensive wellness plans.
  • Pays Vets Directly: Hassle-free claims process.

Insights on Pets Best Insurance Offerings

Pets Best Insurance Offerings

Pets Best Insurance Offerings

Best Pet Insurance provides a flexible approach to safeguarding your pet’s health, with a wide range of coverage options to suit different requirements and financial constraints. They offer three levels of accident and illness protection, complemented by two wellness package enhancements and a standalone plan for accidents, which allows pet owners to find a suitable match for their pet’s needs and their own budget.

Coverage Customization:

  • Various accident and illness plans
  • Additional wellness options
  • Standalone accident plan

For heftier vet bills, especially those unexpected surgeries, there’s a convenience factor — Pets Best can settle the costs directly with your veterinarian. This eases the burden on pet owners by lessening the immediate financial load.

Coverage Limits:

  • Annual options range from $5,000 to no cap

Waiting periods for coverage are pretty much industry standard, with most states requiring a three-day period for accidents, 14 days for illnesses, and a six-month term for cruciate ligament events.

Pet Eligibility Criteria:

  • Minimum age: 7 weeks old
  • No maximum age limit

These provisions position Pets Best as a considerate choice for owners looking for tailor-made insurance solutions that accommodate both youthful and senior pets.

AKC: Top Choice for Existing Pet Health Issues

  • Plan Customization: Highly flexible coverage options.
  • Core Plan: Might lack some benefits offered by competitors.
  • Ideal for pets with curable, pre-existing conditions.

American Kennel Club Pet Insurance Options

With the American Kennel Club (AKC) insurance plans, policyholders have access to a range of customizable coverage options, ensuring a tailored fit for both mixed and purebred pets, including cats. Despite the breadth of customization, the essential plan may not include certain features found as standard in other pet insurance offerings.

Customization and Coverage Flexibility

  • Personalized Plans: Craft coverage to suit individual pet needs.
  • Inclusivity: Both mixed breeds and purebreds are eligible, along with feline friends.

Special Characteristics of AKC Insurance

  • Pre-existing Condition Coverage: Uncommon in the industry, AKC provides coverage for pre-existing conditions after a wait of 12 months in most regions.
  • Member Benefits: New AKC-registered puppies benefit from 30 days of complimentary insurance coverage.

Age Considerations for Coverage

  • Enrollment Age: Puppies and kittens have protection options beginning at 8 and 10 weeks old, respectively.
  • Senior Pet Restrictions: Pets over 9 years are primarily eligible for accident coverage, with existing comprehensive plans extending if uninterrupted.

Insurance Plan Types

  • Variety of Plans: Options include accident and illness, accident-only, and wellness.
  • Financial Caps: Policies exhibit annual limits that may vary from $2,500 to unlimited.

While AKC’s insurance coverage is comprehensive and inclusive for young pets, those acquiring insurance for older pets should take note of certain limitations, such as exclusion from hereditary or congenital condition coverage after the age of two. Pets past the age of 9 are predominantly limited to accident coverage, unless they have been continuously insured under a comprehensive accident and illness scheme without any breaks in coverage.

Fetch: Comprehensive Pet Insurance Protection

  • Customizable Plans: Tailor coverage to meet specific needs.
  • High Reimbursement: Optimal financial return on claims.
  • Adaptable: Ideal for various pet care requirements.
  • Reputation: Recognized for reliable, broad-spectrum insurance options.


Fetch Pet Insurance stands out for its robust coverage options, suitable for pet owners seeking a comprehensive safety net for their pets’ health. With the ability to customize a plan to fit their needs, pet owners find Fetch’s accident and illness policy to be all-inclusive. Coverage is extensive, encompassing dental disease treatmentsalternative therapieshereditary conditions, and physical therapy.

Pet owners can opt for Fetch Wellness addition, which assists in shouldering preventative care costs such as annual examsvaccinationsteeth cleaning, and spay/neuter procedures.

Several groups such as AARP membersmilitary personnel, and veterinary staff are eligible for discounts, making Fetch an attractive option for a broad audience.

  • Age Eligibility: Fetch insures pets as young as 6 weeks with no upper age limit.
  • Coverage Levels: Select from plans with annual limits ranging from $5,000 to $15,000 directly online, with additional options accessible over the phone.

By covering expenses like boarding fees if the pet owner is hospitalized and even prescription supplements, Fetch ensures that pet health is thoroughly safeguarded in various circumstances.

MetLife: Premier Canine Coverage

MetLife offers tailor-made plans for canines, ensuring comprehensive protection. Their customization options receive high marks, positioning them as a top choice for dog insurance.

  • Plan Flexibility: High
  • Coverage Quality: Outstanding

MetLife Pet Health Coverage

MetLife stands as a renowned provider in the pet insurance market, notably for its competitive rates for dog policies. Its offerings are highlighted by their versatility, catering not just to cats and dogs but also expanding to other animals in certain regions. Clients have the opportunity to tailor their plans, ensuring a fit to diverse pet health needs and owner preferences.

  • Plan Variations: Options span from accident and illness coverage to wellness plans, accommodating a variety of pet health scenarios.
  • Inclusive Eligibility: There are no age limits imposed on pets, welcoming animals of all life stages.
  • Coverage Scope: Reimbursement rates vary from 50% to 100%, with annual limits ranging between $500 to $25,000. Unlimited coverage may be obtainable through direct contact.
  • Waiting Period: Noteworthy for its absence of long waiting times for orthopedic conditions, MetLife distinguishes itself in rapid response to such common issues.

The company also appreciates those who serve the community by offering discounts to first responders, military personnel, veterans, healthcare workers, and animal care staff. Employers who integrate MetLife’s services into their benefits package further extend potential savings to their workforce.

MetLife’s user interface is accessible and informative, presenting an example policy online for prospective policyholders to evaluate. This transparency in terms allows for informed decisions before committing to a plan.

Nationwide: Optimal for Unconventional Pets

  • Coverage: Diverse accidents and illnesses
  • Customization: Tailored plan options
  • Availability: Select plans via phone only
  • Cost: Moderate

Comprehensive and Customizable Pet Coverage

Nationwide stands out in the pet insurance market for its variety of plans suitable for a broad spectrum of animals. Unique among many insurers, the company doesn’t limit its insurance to the common dog and cat. It also extends coverage to a myriad of exotic pets, though you’d need to inquire over the phone to obtain these specific policies.

Coverage Options

  • Whole Pet Plan: This robust plan includes accidents, illnesses, and hereditary conditions, reimbursing a portion of vet bills with an annual limit.
  • Major Medical Plan: Offers a more basic coverage, with set reimbursement amounts for various conditions, regardless of the actual vet costs.
  • Modular Plan: An ala carte option, allowing pet owners to tailor the coverage types to fit their needs.

Customization and Wellness

  • Supplementary Wellness: Available for integration with Modular or Major Medical plans, though not in all states and not with Whole Pet.
  • Wellness Only: Solo wellness plan option exists but has geographical restrictions.

Reimbursement and Limits

  • Whole Pet: Typically has a reimbursement rate of 50% or 70%, with an annual cap at $10,000.
  • Modular: Offers a reimbursement range between 50% and 90%, with yearly caps at $5,000 or without any limit, depending on the chosen plan.


Age limits vary based on the policy chosen. The spectrum ranges from as young as 8 weeks to a maximum of 8 or 9 years for enrollment, though some plans might not impose any age restrictions at all.

Deductibles and Percentages

  • Deductible: A standard $250 yearly charge is common, while other options can be explored online or via phone contact.
  • Reimbursement Models: The company has distinct reimbursement models, from fixed percentages of the vet bills to set reimbursement caps for each condition.

By offering a selection that goes beyond the industry standard, Nationwide provides pet insurance solutions tailored to a variety of pet owners’ needs and preferences.

Spot: Broadest coverage

Spot provides extensive protection options, including an accident-only plan, yet does not offer direct payment to veterinarians. Their plans are highly customizable.

Comprehensive Pet Insurance by Spot

Spot provides an array of pet insurance plans, offering coverage for a range of treatments, including alternative therapies and behavioral care. Owners can benefit from options such as dental illness coverage, microchip insertion, and even special diets for treating certain conditions.

Plan Options:

  • Accident & Illness
  • Accident-Only
  • Wellness


  • Customizable annual limits, from $2,500 to unlimited
  • Short 14-day waiting period for all claims
  • No age limit; minimum insurable age starts at 8 weeks
  • Convenient 10% discount for insuring multiple pets

Spot stands out for its straightforward policy options and its dedication to addressing the diverse wellness needs of pets.

Optimal Choice for Ongoing Pet Health Issues: Trupanion

  • Customizable Plans: Tailored to individual pet needs
  • Standout Features: Designed to comprehensively address long-term pet illnesses


Trupanion stands out in the pet insurance industry due to its unique deductible structure and coverage options. Unlike many providers, Trupanion offers deductibles per condition, which only need to be met once for the lifetime of the pet. This approach can be particularly beneficial for pets with chronic conditions, as owners are not required to pay the deductible repeatedly, year after year.

The company’s plans reimburse 90% of veterinary expenses after deductibles are met, and they do not impose any limits on coverage—annual or lifetime. Some states, including Florida and Texas, have plans with no deductibles, and owners can select a reimbursement rate ranging from 70% to 100%.

With Trupanion, pet owners have the freedom to tailor their plans according to their needs; however, it’s important to note that this insurer does not offer routine wellness coverage. Supplementary services such as acupuncture, physical therapy, and behavioral treatments may incur additional costs in certain areas. Trupanion also provides an optional Pet Owner Assistance package, assisting with costs related to lost pet rewards, boarding fees during an owner’s hospitalization, and trip cancellation due to pet emergencies.

Plan Information at a Glance:

  • Age Limits: Insurable from any age; maximum sign-up age is 13 years.
  • Plan Type: Accident and illness coverage.
  • Deductibles: $0 to $1,000 lifetime per condition in most states; no deductible options in certain areas.
  • Reimbursement Options: Fixed at 90% in most regions, with 70% to 100% options in select states.

By offering customized plans without annual or lifetime limits on claims, Trupanion provides substantial support for pet owners facing veterinary bills.

Pet Insurance Costs

Pet Insurance Costs

Pet Insurance Costs

The financial responsibility of caring for a pet inevitably includes medical expenses, from routine vaccinations to unexpected veterinarian visits. On average, dog owners pay approximately $53 monthly for pet health insurance, while cat owners spend around $32. It’s worthwhile to note that these costs can fluctuate based on a variety of factors.

Typically, the most comprehensive pet insurance plans cover both accidents and illnesses. Yet, more affordable options exist, such as accident-only coverage, which runs about $17 per month for dogs and $10 for cats. While easier on the budget, these limited plans do not cover veterinary care for serious conditions like cancer or allergies.

Insurance costs have slightly trended upwards, with dog insurance increasing over 2% and cat insurance nearly 5% from the previous year, reflecting the rising costs of vet bills and medications.

Here are crucial factors influencing your pet insurance premiums:

  • Geographical Location: Costs of veterinary services vary by region; thus, premiums are adjusted accordingly.
  • Age of the Pet: Older pets are at a higher risk for health issues, which typically leads to steeper insurance rates.
  • Breed-Specific Conditions: Breeds with predispositions to certain health problems may face higher premiums due to potential costly vet exam fees and treatments.
  • Policy Details: Deductibles, coverage limits, and coinsurance percentages all play a role in the calculation of your premiums. Opting for a lower deductible generally means higher monthly costs, but it also means less out-of-pocket expenses when seeking care.

Keeping your pet healthy is a significant commitment, and selecting the right insurance plan can alleviate financial pressure while ensuring access to necessary medical care. Whether prioritizing a plan that fits a strict budget or seeking extensive coverage, understanding these factors can help guide the decision towards the right pet insurance plan.

Selecting the Optimal Pet Insurance Policy

Optimal Pet Insurance Policy

Optimal Pet Insurance Policy

Breed-Specific Health Considerations

When evaluating insurance policies, reviewing potential hereditary or breed-related conditions is a crucial step. Investigate whether insurance plans extend coverage to particular ailments associated with your dog’s breed and take note of any associated waiting periods before coverage becomes active.

For small breeds like miniature schnauzers and Yorkshire terriers, prone to bladder stones, it is advantageous to find insurers who cover the costs of prescription diets that aid in management, such as Spot and Trupanion offerings. Larger breeds, notably German shepherds and Labrador retrievers, may develop hip dysplasia, a condition linked with hip joint abnormalities. While most insurance companies provide coverage for hip dysplasia providing the diagnosis was not made before policy inception, exclusions or extended waiting periods, like the 12-month wait policy from Healthy Paws or the enrollment age limitation, can apply.

Activity Level and Associated Risks

A dog’s level of activity significantly influences its insurance needs. Active dogs that enjoy vigorous play are at a higher risk for accidental injuries. For such energetic companions, prioritize insurance plans that encompass physical treatments and rehabilitative therapies that may become necessary after strenuous activity leads to the need for procedures such as surgery.

Routine Care and Preventative Treatment

The cumulative costs of wellness visits, vaccinations, pest preventatives, heartworm testing, and annual blood tests can be substantial. Some insurers provide wellness plans that contribute to these expenses. It’s imperative to analyze these wellness plans thoroughly to determine if the financial investment aligns with the benefits provided.

Weighing the costs of wellness coverage against the actual utilization of services can help determine whether the plan confers a financial advantage or if it could potentially result in paying more without corresponding benefits received.