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Are you looking for the best pet insurance for your furry companion? Pet insurance can give you peace of mind when it comes to your pet’s health, helping you afford medications, treatments, prescription food, and other necessities. Finding the right pet health insurance for you, your pet, and your budget can help you care for your pet in the way they deserve.

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The best pet insurance companies offer different types of coverage at various price points. Not all pet insurance company options will work for each pet owner, which is why it’s crucial to do some research to find the best coverage to suit you and your pet’s needs. Fortunately, there are several options for a pet parent to choose from, including those with multiple pets or those just looking for dog or cat insurance. 

What Is Pet Insurance?

Pet insurance is a policy that helps pet owners afford health care for their pets. Like health insurance for people, pet insurance usually has a monthly premium. A pet parent pays that premium to reduce covered costs on their pet’s veterinarian visits, treatments, prescriptions, and more. Also similar to human health insurance, pet insurance policies often come with deductibles. The policy owner must pay the deductible for a covered service before the insurance plan covers its portion of the costs. Deductibles can range up to $1,000 or more, depending on the plan you choose.

A pet insurance policy also comes with varying coverage levels. For instance, more expensive plans may cover everything from routine services, like spaying and neutering, to surgeries and prescriptions. Others may only cover accidents and injuries but usually have more affordable monthly payments. 

The amount a pet owner pays monthly for their pet’s insurance policy depends on several factors. For instance, some dog breeds are prone to more illnesses than others, so their policies may be more expensive than others. Your deductible, coverage types, and pet’s age can also influence the cost of your premium.

Best Pet Insurance Companies in 2024

You shop around for cheap car insurance and the best life insurance plan for your family. Now, it’s time to look for a pet insurance plan for your furry companion that can provide annual coverage for routine care, preventative care, wellness care, and other needs. The following are some of the best pet insurance companies that offer coverage for a young or older pet. 

Embrace Pet Insurance

Pros

  • Unlimited reimbursements
  • Diminishing deductible reduces by $50 every year you don’t have a claim
  • Dental illness coverage included

Cons

  • Does not cover prescription food, vitamins, or supplements
  • Dogs over the age of 15 only qualify for accident-only coverage
  • Coverage costs more than some of the competition

Option to Pay Vet Directly: No
App Support: Yes
Accident Waiting Period: 2 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 6 Months (14 days if you go through orthopedic exam and waiver process)
Vet Helpline Available: Yes
Multi-Pet Discount: Yes
Deductible Type: Annual

Embrace Pet Insurance is a pet insurance company that gives back to pets and organizations in need through charity donations and donation matching from its employees. The company was founded in 2003 and has since grown to be awarded for being an excellent workplace, offering outstanding service, and making a name for itself as one of the best pet insurance companies. All states are eligible for an Embrace Pet Insurance plan, including Washington, D.C.

🐾 Embrace Pet Insurance offers comprehensive coverages including breed-specific conditions and alternative treatments.

This company covers dogs and cats and offers some of the most comprehensive coverages for a pet insurance provider. For instance, your pet can get covered for breed-specific congenital conditions, preventable diseases, and cancer. Diagnostic testing, specialist care, and alternative treatments can also get covered. 

Why We Chose Embrace Pet Insurance

Embrace Pet Insurance organizes its pet policies into five different types, making it easier for pet owners to choose what suits them best. They offer accident-only insurance, dog insurance, cat insurance, wellness plans, and dental insurance policies. This range lets pet owners tailor their plans to their pet’s specific health needs.

The company provides flexibility for pet owners with its customizable plans. You can pick and choose what to include, such as coverage for accidents only or more comprehensive medical needs. You can also choose your annual deductible, reimbursement percentage, and annual maximum. This approach helps pet owners manage their pet’s health care effectively while keeping an eye on their budget.

Embrace Pet Insurance Plans

Embrace Pet Insurance provides a variety of plans to meet different needs of pet owners, including Accident Only, Dog Insurance, Cat Insurance, Wellness Rewards, and Dental Insurance. Each plan is designed to offer specific coverage and can be customized with options for annual deductibles, reimbursement percentages, and annual maximum payouts.

Accident Only Plan: This plan is focused on covering unexpected injuries and accidents. It’s a good choice for those who want basic coverage specifically for accidents.

Dog Insurance Plan: Tailored for dogs, this plan covers accidents, illnesses, genetic conditions, and more. It’s comprehensive, and can be customized based on the dog’s age, breed, and the owner’s financial preferences.

Cat Insurance Plan: Similar to the Dog Insurance Plan but designed for cats, this plan covers a range of feline-specific health issues including accidents, illnesses, and hereditary conditions.

Wellness Rewards: This is an add-on to the primary insurance plans, focusing on routine care like vaccinations, grooming, and preventive medications. It functions more like a budgeting tool for regular pet health expenses, without a deductible or co-pay.

Dental Insurance: Included in the standard Dog and Cat Insurance Plans, this policy covers dental accidents and illnesses. This includes broken teeth and periodontal disease, ensuring dental health is part of the pet’s overall care plan.

Each of these plans allows pet owners to choose the annual deductible, reimbursement percentage, and annual maximum payouts, providing flexibility to tailor the insurance to their pet’s specific needs and their financial situation. This customization makes Embrace a versatile option for pet insurance.

Pricing

Embrace Pet Insurance pricing varies based on location, pet breed and age, and chosen coverage options.

For example, a young Labrador Retriever might cost about $35 to $45 per month for a basic plan, while an older Great Dane could cost $70 to $90 for a premium plan.

Embrace offers accident-and-illness policies with deductibles from $100 to $1,000, reimbursement rates up to 90%, and annual limits from $5,000 to unlimited. The accident-only plan, covering issues like cuts and ingestion of foreign bodies, has a $100 deductible and $5,000 limit.

Embrace’s rates are competitive, averaging $29.71 per month for dogs and $12.22 for cats. Deductibles, annual limits, and reimbursement rates are customizable, allowing pet owners to manage their costs effectively.

Read full review of Embrace Pet Insurance >>


Healthy Paws

Pros

  • No maximum on annual or lifetime payouts
  • Most claims processed within two days
  • No restrictions on hereditary or congenital conditions
  • Alternative care included

Cons

  • Does not cover examination fees or prescription foods
  • No dental coverage or preventative care options available
  • Cannot sign up if your pet is over the age of 14

Option to Pay Vet Directly: Yes
App Support: Yes
Accident Waiting Period: 15 Days
Illness Waiting Period: 15 Days
Orthopedic Waiting Period: 12 Months
Vet Helpline Available: No
Multi-Pet Discount: No
Deductible Type: Annual

Since 2009, Healthy Paws Pet Insurance and its Healthy Paws Foundation have committed to improving health and wellness care for pets. Healthy Paws Pet Insurance covers dogs and cats of all ages for unexpected injuries, illnesses, and accidents without confusing coverage limits. Pet owners can also use any licensed veterinarian for their pets’ covered services.

🐕 Healthy Paws Pet Insurance covers dogs and cats of all ages for unexpected injuries and illnesses, providing peace of mind for pet owners.

Healthy Paws Pet Insurance has a 15-day waiting period for coverage to kick in after signing up for a policy, except in Maryland and New Hampshire. Pet parents in all states can receive a quote for cat or dog insurance through Healthy Paws.

Why We Chose Healthy Paws Pet Insurance

Healthy Paws Pet Insurance streamlines pet coverage by offering a single, comprehensive policy for both dogs and cats. This approach simplifies the choice for pet owners, eliminating the complexity of multiple tiers. The policy includes coverage for accidents, illnesses, hereditary conditions, and emergency care, providing a broad safety net for your pet’s health needs.

In addition to its all-encompassing coverage, Healthy Paws offers a no-caps policy, meaning there are no annual or lifetime limits on claims. Customers also benefit from a swift claims process and dedicated customer support. While they don’t offer multi-policy discounts, their commitment to straightforward, extensive coverage and customer care makes Healthy Paws a preferred choice for pet owners seeking a hassle-free insurance experience for their dogs or cats.

Healthy Paws Insurance Plans

Healthy Paws Pet Insurance simplifies pet healthcare with straightforward, comprehensive policies for cats and dogs. These pet insurance policies cover veterinary bills for:

  • Accidents: Coverage for unexpected injuries and accidents.
  • Illnesses: Includes common and serious illnesses.
  • Hereditary Conditions: Covers breed-specific hereditary issues.
  • Congenital Conditions: Addresses health problems present from birth.
  • Chronic Conditions: Long-term health issues are covered.
  • Cancer: Treatment for various types of cancer.
  • Surgery, Hospitalization, and Emergency Care: Covers expenses for major medical events.
  • Prescription Medications: Medication costs related to covered conditions.
  • Diagnostic Treatment: Including X-rays, blood tests, ultrasounds, etc.
  • Alternative Therapies: Such as acupuncture and chiropractic care.

Both policies from Healthy Paws come with the advantage of no cap on claim payouts, whether annual or lifetime, ensuring comprehensive coverage throughout the pet’s life. This approach provides pet owners with a sense of security, knowing their furry friends are well-protected.

Pricing

Healthy Paws Pet Insurance’s pricing depends on the pet’s breed, age, location, and chosen coverage options. The insurance plan offers only unlimited annual coverage limits. Deductible options include 50%, 60%, 70%, 80%, and 90%.

For instance, A young Beagle might cost around $40 to $50 per month, while an older German Shepherd could cost $90 to $120 per month.

Healthy Paws’ unique claim calculation system results in lower payouts, but the unlimited coverage and the range of deductible options based on pet specifics make it a considerable option. The average cost for Healthy Paws insurance is about $56 per month for unlimited coverage with a $100 deductible and 80% reimbursement.

Your options to choose your deductible and reimbursement rate will be limited based on pet breed and age. This still gives you flexibility, though not as much as some of the other pet insurance providers. However, the unlimited claim payouts make up for this limitation.  

Read the full review of Healthy Paws Pet Insurance >>


Prudent Pet

Pros

  • Most claims processed within 24 hours
  • No age or breed restrictions
  • No lifetime or condition maximum limits

Cons

  • Requires annual physical and dental exam to keep plan active
  • Charges a monthly transaction fee
  • If a pre-existing ligament condition affects one side, the other side will not be covered

Option to Pay Vet Directly: No
App Support: No
Accident Waiting Period: 5 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 180 Days
Vet Helpline Available: Yes
Multi-Pet Discount: Yes
Deductible Type: Annual

Prudent Pet helps pet owners choose the coverage that fits their needs and budget with its flexible plans. In addition to comprehensive insurance that covers illness and injuries, this insurance company also has an accident-only plan with a 14-day waiting period that helps you pay costs related to unexpected injuries, like burns or wounds.

🐱 Prudent Pet offers flexible insurance plans, including an accident-only option, catering to different pet owner needs and budgets.

Prudent Pet’s plans are underwritten by the Markel Insurance Company family of brands, but Prudent Pet oversees and processes its clients’ bills, claims, and policy sales. It operates in all 50 states to serve pet parents nationwide.

Why We Chose Prudent Pet

Prudent Pet Pet Insurance offers a range of plans to suit different needs, including Accident Only, Essential, and Ultimate options, along with Optional Wellness Add-ons. This variety allows pet owners to choose the level of coverage that best fits their budget and their pet’s health requirements, making it a flexible choice for dog and cat insurance.

Prudent Pet Insurance Plans

Prudent Pet Insurance features a selection of pet insurance plans, designed to cater to the diverse needs of dog and cat owners:

  • Accident Only Plan: This basic and most affordable option covers injuries and accidents. It’s perfect for pet owners who need straightforward, essential protection against unforeseen events.
  • Essential Plan: Offering more than just accident coverage, this plan includes illnesses, emergency care, and hereditary conditions. It’s a balanced choice for those seeking broader security for their pets.
  • Ultimate Plan: The most inclusive plan, it covers everything in the Essential Plan, plus extra benefits like lost pet assistance, coverage for vacation cancellation due to pet illness, and end-of-life expenses. This plan is ideal for pet owners looking for the most comprehensive coverage.
  • Wellness Add-ons: For routine health care, these add-ons cover preventative measures like vaccinations and dental cleanings. They complement the main insurance plans by ensuring regular health maintenance.

Each plan from Prudent Pet is designed to provide pet owners with flexibility and peace of mind, allowing them to choose a level of coverage that aligns with their pet’s needs and their budget.

Pricing

Pricing for Prudent Pet Insurance varies based on several factors, including the chosen plan, customizable deductible and reimbursement options, and the breed and age of the pet. This flexibility allows pet owners to tailor their insurance policy to fit their budget and their pet’s specific needs.

For deductibles, pet owners can choose from a range of options—$100, $250, $500, or $1,000. A higher deductible generally leads to a lower monthly premium, whereas a lower deductible will increase the premium.

Reimbursement options also play a significant role in pricing. Prudent Pet offers different reimbursement levels, such as 70%, 80%, or 90% of the vet bill. Choosing a lower reimbursement percentage can reduce the monthly cost of the insurance.

Breed and age are significant factors too. Generally, larger breeds and older pets are more expensive to insure due to their higher risk of health issues. For example, insuring a one-year-old Labrador Retriever with Prudent Pet might cost about $40 per month with a $500 deductible and 80% reimbursement. In contrast, a policy for an eight-year-old Persian cat could be around $30 per month with a $300 deductible and 70% reimbursement.

Overall, Prudent Pet’s pricing structure offers pet owners the ability to customize their policies based on their pet’s specific age and breed, as well as their financial preferences, ensuring a suitable and affordable insurance plan.

Read the full Prudent Pet review >>


Trupanion

Pros

  • Unlimited payouts for the life of the pet
  • Pays vets directly in real time
  • Covers prescription food and supplements
  • No premium increase as pet gets older

Cons

  • No wellness or preventative care coverage
  • Doesn’t cover exam fees
  • Cats and dogs over the age of 14 not eligible for enrollment
  • Very high monthly premiums

Option to Pay Vet Directly: Yes
App Support: No
Accident Waiting Period: 5 Days
Illness Waiting Period: 30 Days
Orthopedic Waiting Period: 30 Days
Vet Helpline Available: No
Multi-Pet Discount: No
Deductible Type: Per condition

Trupanion’s founder created the company in 1998 after he and his family couldn’t afford the costs of their dog’s medical care. Since then, Trupanion has become one of the country’s most well-known pet insurance companies, known for paying 90% of covered services without per incident, annual, or lifetime limits.

🏥 Trupanion partners with pet hospitals for streamlined billing, covering 90% of services without incident, annual, or lifetime limits.

Trupanion also works with pet hospitals across the country to help pet parents streamline the billing process. The company accepts bills straight from partnered hospitals, allowing a pet owner to pay only their portion of the bill during checkout. Then, Trupanion takes care of the rest.

Why We Chose Trupanion

Trupanion Pet Insurance makes the decision process easy for pet owners by offering straightforward insurance options for both cats and dogs. Their approach is centered around providing comprehensive coverage without the complexity of multiple plan tiers. The core policy includes coverage for new injuries and illnesses, including hereditary and congenital conditions, without placing limits on payouts.

One of the standout features of Trupanion is the ability for pet owners to customize their deductibles. This flexibility allows pet owners to adjust their coverage to fit their financial situation. Alongside this, Trupanion stands out for not increasing premiums based on claim history. This means that pet owners can feel more at ease knowing that their costs won’t suddenly increase if they need to make a claim. This simplicity and reliability make Trupanion a solid choice for those seeking straightforward and adjustable pet insurance for their dogs or cats.

Trupanion Pet Insurance Plans

Trupanion Pet Insurance provides comprehensive coverage for both dogs and cats, with a policy that covers a wide array of health issues and treatments. Coverage includes:

  • Accidents and Injuries: Treatment for any new injuries, ranging from minor accidents to major incidents.
  • Illnesses: Covers all new illnesses, from minor to severe conditions.
  • Hereditary and Congenital Conditions: Addresses breed-specific issues and conditions present from birth.
  • Chronic Conditions: Includes ongoing health issues without limits, as long as they are not pre-existing conditions.
  • Surgery, Hospitalization, and Diagnostic Tests: All necessary medical treatments and procedures are covered.
  • Prescription Medications: Medications related to covered conditions are included.
  • Prosthetic Devices and Carts: Covered if needed for a condition or injury.
  • Dental Illnesses: Certain dental illnesses are included, which is especially beneficial for cats.

This policy is designed to offer extensive protection without the complexity of multiple plan levels, ensuring that both dog and cat owners have robust financial support for a wide range of healthcare needs throughout their pet’s life. With no payout limits, Trupanion stands out for providing unlimited coverage, which means there’s no cap on the amount of coverage for a given condition, whether it’s annual, lifetime, or per-condition.

Pricing

Trupanion Pet Insurance’s pricing is tailored based on several key factors: the age and breed of the pet, the location of the pet owner, and the chosen deductible amount (between $0 and $1,000). Despite these variables, one constant feature of Trupanion’s policy is their standard 90% payout, which means they cover 90% of eligible veterinary costs for covered conditions, after the deductible is met.

For example, insuring a young mixed breed dog in a mid-sized city might cost around $35 per month with a $500 deductible. This premium reflects the lower risk associated with younger pets and mixed breeds. On the other hand, insuring an older, purebred dog, such as a Golden Retriever, in a large city could cost upwards of $60 or more per month, with the same deductible. This higher premium takes into account the increased risk of hereditary conditions and the higher cost of veterinary care in urban areas.

These examples illustrate how Trupanion’s pricing can vary. The combination of the pet’s age, breed, and living location, along with the owner’s choice of deductible, all influence the monthly premium, allowing pet owners to find a balance between comprehensive coverage and manageable costs.


Nationwide Pet Insurance 

Pros

  • Covers exotic pets, including birds, reptiles, and rabbits
  • Bundle discounts available for existing Nationwide Insurance policy holders
  • Lots of different plans for coverage that meet your pet’s needs

Cons

  • Claim processing can take up to 30 days
  • High monthly premiums
  • Limited coverage for end-of-life care
  • Most plans have a max annual benefit payout

Option to Pay Vet Directly: No
App Support: Yes
Accident Waiting Period: 14 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 12 Months
Vet Helpline Available: Yes
Multi-Pet Discount: Yes
Deductible Type: Annual

Nationwide is one of the most well-known insurance companies in the United States, responsible for offering life insurance, homeowners insurance, car insurance, and other coverages for individuals and families. Nationwide Pet Insurance covers dogs and cats for chronic illnesses, accidents and injuries, holistic medicine, and more. A separate policy is available for birds and exotic pets, like mice and ferrets.

🦜 Nationwide Pet Insurance provides unique coverage options for birds and exotic pets, broadening the scope of pet insurance beyond just cats and dogs.

Nationwide Pet Insurance policyholders can work with any veterinarian of their choosing. Submit bills directly to Nationwide to receive reimbursement for covered services. Plans begin at just $35 per month, depending on your pet’s breed, deductible amount, location, and other factors.

Why We Chose Nationwide Pet Insurance

Nationwide Pet Insurance presents a variety of pet insurance plans, tailored to meet the varying needs of pet owners. Their lineup includes My Pet Protection, Modular Pet Insurance, Major Medical, and Whole Pet plans for dogs and cats. Each plan offers different levels of coverage, allowing pet owners to select the one that best aligns with their pet’s health needs and their budget.

Additionally, Nationwide is one of the few providers that extends its coverage to exotic pets, offering both My Pet Protection and Whole Pet plans specifically designed for a wide range of exotic animals.

Moreover, Nationwide sets itself apart by providing pet insurance as a benefit through employers. This unique approach allows employees to access pet insurance more conveniently and often at a discounted rate, making it an appealing option for those who have this benefit available at their workplace.

With its comprehensive range of plans for both common and exotic pets and the added advantage of employer-based insurance options, Nationwide Pet Insurance stands as a versatile and inclusive choice for pet owners looking for reliable insurance solutions.

Nationwide Pet Insurance Plans

Nationwide Pet Insurance offers a range of detailed plans catering to different needs and preferences of pet owners. Here’s a breakdown of each plan and what they cover:

Dogs and Cats

  1. My Pet Protection: This plan covers a broad spectrum, including accidents like broken bones and poisonings, illnesses such as ear infections, cancer, and diabetes, and wellness care including checkups and vaccinations. This plan is available exclusively through employers.
  2. Modular Pet Insurance Plan: Offers similar accident, illness, and wellness coverage as My Pet Protection but allows for more customization and add-on options for wellness benefits.
  3. Major Medical: Provides comprehensive coverage for accidents, illnesses, and optional wellness care, focusing on significant medical needs rather than routine care.
  4. Whole Pet: This plan primarily covers accidents and illnesses, with a focus on more serious health conditions and emergencies.

Exotic Animals

  • My Pet Protection Tailored for exotic pets, this plan covers accidents and illnesses, similar to the coverage provided for dogs and cats. This plan is available exclusively through employers.
  • Whole Pet: Similar to the Whole Pet plan for cats and dogs, this plan focuses on more serious health conditions and emergencies as they relate to exotics.

Each of these plans from Nationwide is designed to offer various levels of protection, giving pet owners the ability to choose a plan that best suits their pet’s health needs and their financial situation. Whether it’s for a dog, cat, or an exotic animal, Nationwide provides a range of options to ensure pets receive the care they need.

Pricing

The pricing of Nationwide Pet Insurance plans is influenced by factors such as the coverage you choose, your deductible and the reimbursement rate, the breed and age of your pet, and whether the plan is available through your employer.

A higher deductible usually means a lower monthly premium, while a higher reimbursement rate can increase the premium. The breed and age of your pet are also crucial, as certain breeds and older pets might be more expensive to insure. Plans offered through employers can often come at a more favorable rate.

For example, a young mixed breed dog could have a lower premium due to lower risk factors, especially if you opt for a high deductible and a lower reimbursement rate. In contrast, an older purebred cat might have a higher premium, reflecting the increased risk of health issues associated with older age and specific breeds.

Here’s a quick summary of the starting prices for Nationwide Pet Insurance plans:

Dogs and Cats

  • My Pet Protection: Starts at $10 per paycheck
  • Modular Pet Insurance Plan: Begins at $16 per month
  • Major Medical with Wellness: Starts at $43 per month
  • Major Medical without Wellness: Begins at $25 per month
  • Whole Pet (70% reimbursement): Starts at $46 per month
  • Whole Pet (50% reimbursement): Begins at $34 per month

Exotic Animals

  • My Pet Protection: Starts at $6 per paycheck
  • Whole Pet (70% reimbursement): Begins at $21 per month
  • Whole Pet (50% reimbursement): Starts at $16 per month

Read full review of Nationwide Pet Insurance >>


Lemonade Pet Insurance

Pros

  • Bundle discounts available for multiple pets and multi-policy holders
  • Very competitive rates
  • High annual coverage limit options

Cons

  • Only available in 37 states
  • Must provide medical records from a visit within the past 12 months to enroll
  • Pets over the age of 14 are not eligible for enrollment
  • Credit score and claims history can affect rates
  • Does not cover prescription food

Option to Pay Vet Directly: No
App Support: Yes
Accident Waiting Period: 2 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 6 Months
Vet Helpline Available: Yes (partnered with Chewy)
Multi-Pet Discount: Yes
Deductible Type: Annual

Lemonade Pet Insurance is a unique offering that lets customers sign up through the app or website and get approved for a plan quickly. It’s also known for quick claims processing, potentially approving your claims in as little as a few minutes. 

📱 Lemonade Pet Insurance is known for its quick approval process and claims processing via an app, offering modern convenience for pet owners.

Lemonade features comprehensive packages for routine care that cover everything from heartworm tests to preventative blood work and wellness exams. There are also packages designed for puppies and kittens that include coverage for initial shots and boosters, microchipping, and spaying and neutering. When you get a Lemonade quote, you’ll have plenty of options to keep your payments as flexible as you need them. For instance, lower your premiums by having Lemonade pay only 70% of your bill rather than 90%, or adjust Lemonade’s maximum limits to customize your premium.

👉 Read our full review of Lemonade Home Insurance and find the right coverage for your home.

Why We Chose Lemonade Pet Insurance

Lemonade Pet Insurance is a great option for pet owners seeking straightforward and flexible coverage for their cats and dogs. It primarily covers accidents and illnesses, providing a solid foundation of protection for various health issues.

Additionally, Lemonade allows pet owners to enhance their plan with wellness, dental, and other add-ons, catering to the specific needs of their pets. This blend of essential coverage and optional extras makes Lemonade an attractive choice for those looking for comprehensive yet customizable pet insurance.

Lemonade Pet Insurance Plans

Lemonade Pet Insurance offers a versatile and comprehensive insurance plan for pets, focusing on both the expected and unexpected aspects of pet health. Their basic policy covers accidents and illnesses, including diagnostics, procedures, and medications, ensuring broad protection for pets. Additionally, Lemonade provides a range of add-ons like preventative care, dental illness coverage, and behavioral condition treatments, allowing pet owners to customize their plan to meet their pet’s specific health needs.

Basic Accident and Illness Coverage: Lemonade’s basic policy covers diagnostics like blood tests and x-rays, procedures including surgery and hospitalization, and medications for accidents or illnesses. This plan is designed to provide comprehensive protection against unexpected health issues, ensuring pets get necessary medical care.

Standard Preventative Care: This add-on focuses on routine health maintenance, covering annual wellness exams, blood tests, and vaccines. It’s ideal for pet owners who want to ensure their pet’s ongoing health and prevent potential issues.

Preventative+ Package: Expanding on standard preventative care, this package includes heartworm or flea/tick medication and routine dental cleaning. It’s suitable for pet owners looking to provide a more extensive range of preventive care for their pets.

Puppy/Kitten Preventative Package: Specially designed for young pets under 2 years old, this package covers wellness exams, vaccines, parasite tests, and essential procedures like spay/neuter and microchipping. It’s tailored to meet the unique needs of puppies and kittens.

Vet Visit Fees: This add-on covers the fees vets charge for consultations and labor during visits for accidents or illnesses, helping to reduce the out-of-pocket expenses for pet owners.

Physical Therapy: This add-on coverage includes physical therapy, acupuncture, and hydrotherapy, aiding pets in their recovery process from injuries or surgeries.

Dental Illness: This add-on provides coverage for dental procedures and treatments, including tooth extractions, root canals, and diseases like gingivitis, ensuring pets’ dental health is taken care of.

Behavioral Conditions: This add-on coverage includes therapy and medications for behavioral conditions such as anxiety and aggression, focusing on the mental health of pets.

End of Life and Remembrance: This thoughtful add-on covers expenses related to euthanasia, cremation, and commemorative items, offering support during the difficult end-of-life phase for pets.

Pricing

When determining the cost of their plans, Lemonade Pet Insurance considers several key elements, such as the pet’s age and breed, along with the policyholder’s choices regarding deductibles, reimbursement rates, and annual benefit limits. The breed and age of the pet play a pivotal role in the premium calculation, with older pets and certain breeds attracting higher rates due to a greater likelihood of health issues.

The deductible, which is the amount paid out-of-pocket before the insurance coverage begins, is a critical factor in price determination. Lemonade offers deductible options of $100, $250, and $500. Opting for a higher deductible, like $500, typically results in a lower monthly premium, whereas choosing a lower deductible, such as $100, leads to a higher premium.

Similarly, the reimbursement rate, which is the percentage of covered expenses paid by the insurer after the deductible is met, significantly influences the premium. Lemonade provides options of 70%, 80%, or 90% reimbursement rates. Higher reimbursement rates, like 90%, often come with higher monthly premiums, while lower rates, such as 70%, can reduce the monthly cost.

Additionally, the annual benefit limit, which is the maximum amount paid by the insurer in a year, also affects the premium. Lemonade’s plans offer a range of annual limits from $5,000 to $100,000. Plans with higher limits, like $100,000, will generally have higher premiums compared to those with lower limits, like $5,000.

For instance, Lemonade’s sample rates show that insuring a large, 1-year-old female mixed breed dog might cost around $31.01 per month, while insuring an under 1-year-old domestic medium-hair cat might cost about $16.63 per month. These rates are based on policies with specific deductibles, reimbursement rates, and benefit limits, reflecting the tailored nature of Lemonade’s pricing structure to accommodate various needs and preferences of pet owners.

Read full review of Lemonade Pet Insurance >>


Pets Best Insurance 

Pros

  • Unlimited lifetime benefits
  • No upper age limits
  • Exam fees, acupuncture, chiropractic treatments, and physical rehabilitation included
  • Wide range of deductible options

Cons

  • Charges a monthly processing fee
  • Does not cover prescription food or supplements
  • Some pre-existing conditions may make your pet ineligible for coverage

Option to Pay Vet Directly: Yes
App Support: Yes
Accident Waiting Period: 3 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 6 Months
Vet Helpline Available: Yes
Multi-Pet Discount: Yes
Deductible Type: Annual

Another best pet insurance company to consider is Pets Best Insurance, which provides accident and illness coverage and wellness coverage for puppies, kittens, dogs, and cats. Founded in 2005 by a former veterinarian, Pets Best Insurance operates across the United States.

🐾 Pets Best Insurance provides Vet Direct Pay and a 24/7 veterinarian hotline to improve the insurance experience for pet owners.

Policyholders can elect to add Vet Direct Pay to their policies to have Pets Best Insurance pay claims directly to their pet’s veterinarian. A unique feature of Pets Best Insurance is its 24/7 veterinarian hotline that all policyholders have access to when they have questions about their pet’s health. 

Why We Chose Pets Best Insurance

Pets Best Pet Insurance offers straightforward and flexible plans for dogs and cats, including Accident Only insurance and comprehensive Accident And Illness Insurance. They also provide Wellness add-ons for routine care, catering to a wide range of pet health needs. This makes Pets Best a great option for pet owners seeking a range of coverage options for their pets.

Pets Best Pet Insurance Plans

Pets Best Pet Insurance offers comprehensive plans for dogs and cats, each designed to cater to different needs:

  1. BestBenefit Accident and Illness Plans: These plans provide extensive coverage for unexpected incidents like emergencies, illnesses, cancer treatments, hereditary and congenital conditions, emergency care, hospitalization, surgery, prescription medications, ongoing and chronic conditions, diagnostics, and more. They even cover older pets and conditions that arise regardless of spaying/neutering status, behavioral conditions, dental coverage, prosthetic devices, wheelchairs, euthanasia, and travel-related treatment needs.
  2. Accident Only Coverage: This plan is tailored for those on a budget, focusing on coverage for accidents like broken bones, snake bites, and accidental swallowing. It is designed specifically to address accident-related concerns without covering illnesses or cancer.
  3. Routine Care: Pets Best also offers EssentialWellness or BestWellness routine care coverage as an add-on to any plan. This coverage helps pay for regular veterinary visits for routine procedures like shots and teeth cleaning. It allows for budgeting for expected medical expenses, which is particularly beneficial for new kittens or puppies.

Pricing

The pricing for Pets Best pet insurance is influenced by factors like your pet’s age and breed, your location, and the specific details of your chosen plan. This includes your deductible (ranging from $50 to $1,000), reimbursement rate (70%, 80%, or 90%), and the annual benefit limit ($2,500, $5,000, $10,000, or unlimited).

The Pets Best accident-and-illness plans allow customization of the premium based on these choices. Additionally, there’s an accident-only plan available, covering issues like trauma and poisoning, which has a set deductible of $250, a reimbursement rate of 90%, and an annual benefit limit of $10,000.

For dogs, Pets Best pet insurance plans start at $9 per month for the accident-only plan, and comprehensive accident and illness coverage averages between $35 and $58 per month.

In Washington, the accident-only plan for dogs starts at $10 per month. For cats, the premiums for accident-only coverage start at $6 per month, and for plans covering both accidents and illnesses, the average is between $22 and $46 per month. 


Pumpkin Pet Insurance 

Pros

  • No breed restrictions or age limits
  • Dental accidents and illnesses included
  • Prescription food and supplement coverage for covered conditions
  • Alternative therapy and microchip implantation coverage

Cons

  • Coverage isn’t as customizable as competitors
  • Longer accident waiting period than competitors

Option to Pay Vet Directly: No
App Support: No
Accident Waiting Period: 14 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 14 Days
Vet Helpline Available: No
Multi-Pet Discount: Yes
Deductible Type: Annual

Pumpkin Pet Insurance offers cat and dog insurance – including coverage for puppies and kittens – in all 50 states. Policyholders can choose to bring their pets to any veterinarian and still get covered for eligible services. 

🎃 Pumpkin Pet Insurance offers 90% back on covered services, with no reduction in coverage as pets age or develop more conditions.

With Pumpkin, you can receive 90% back on covered services. Plus, coverage doesn’t reduce just because your pet gets older or has more conditions added to their pet record. Pet owners with multiple pets can save 10% on their policy by adding two or more pets. Some pets may also be eligible for unlimited coverage.

Why We Chose Pumpkin Pet Insurance

Pumpkin Pet Insurance is a choice for pet owners looking for a range of coverage options. They offer specific plans like Puppy Insurance and Kitten Insurance, tailored to the unique needs of younger pets, as well as general Dog Insurance and Cat Insurance for adult pets. Additionally, Pumpkin provides a Preventative Essentials package to cover routine care needs. This variety of plans allows pet owners to select coverage that best fits the life stage and health requirements of their pets, whether they are young, growing animals or adult pets.

Pumpkin Pet Insurance Plans

Pumpkin Pet Insurance provides various plans tailored to meet the specific needs of your pets, whether they’re just starting out as puppies or kittens, or are seasoned adult dogs and cats. These plans are designed to ensure that your pets get the best possible care, keeping them healthy and safe throughout their lives.

  1. Puppy and Kitten Policy: This plan is perfect for the youngest pets. It covers both accidents and illnesses, which is essential for puppies and kittens as they explore and learn about their world.
  2. Dog and Cat Insurance: As pets grow, they need continued protection. This insurance covers adult dogs and cats, helping with costs related to accidents and illnesses, and providing peace of mind for pet owners.
  3. Preventative Essentials Plan: This plan focuses on prevention. It includes regular check-up exams, vaccinations, and parasite screenings, aiming to prevent health issues before they arise and ensuring the long-term health of your pets.

With Pumpkin Pet Insurance, you’re not just getting a policy; you’re ensuring a safety net for your pet’s health at every stage of their life. From the early, curious days of puppies and kittens to the more settled years of adult dogs and cats, these plans offer the care and protection your pets deserve. The Preventative Essentials Plan adds an extra layer of security, emphasizing the importance of regular health maintenance for a happy, healthy pet life.

Pricing

Pumpkin Pet Insurance offers pricing that is influenced by a number of factors, including your pet’s breed and age, as well as the choices you make regarding the policy’s annual limit and deductible. This approach allows you to customize the insurance to both your pet’s specific needs and your financial considerations.

The annual limit is a key factor, representing the maximum amount Pumpkin will pay each year. For dogs, the options include $10,000, $20,000, or an unlimited amount, whereas for cats, the limits are set at $7,000, $15,000, or unlimited. The reimbursement amount is another aspect, where Pumpkin covers 90% of the costs after the deductible is met. The deductible itself, which is the amount you’re responsible for before the coverage starts, can be chosen from $100, $250, $500, or $1,000.

Consider this example: if you own a 2-year-old Golden Retriever, the average monthly cost for insurance with Pumpkin might be around $90. Choosing a policy with a $20,000 annual limit and a $250 deductible means that after paying the initial $250 in veterinary expenses, Pumpkin will cover 90% of subsequent costs up to $20,000 for that year. This plan can offer substantial financial relief in case of unexpected health issues.

Through these pricing factors, Pumpkin Pet Insurance allows pet owners to select a plan that best matches their pet’s health requirements while also aligning with their budget, ensuring comprehensive coverage for a range of scenarios.


Pet Assure 

Pros

  • Pets of any age and species are eligible for enrollment
  • Pets with pre-existing conditions can use veterinary discount plan
  • No waiting periods
  • Unlimited discount uses

Cons

  • Must visit participating vet to use veterinary discount plan
  • Only provides discounts; not reimbursements
  • Discount is only 25% for in-house treatments, so veterinary bills can still be expensive
  • No medication discounts

Option to Pay Vet Directly: No
App Support: Yes
Accident Waiting Period: None
Illness Waiting Period: None
Orthopedic Waiting Period: None
Vet Helpline Available: No
Multi-Pet Discount: No
Deductible Type: None

Unlike the other best pet insurance plans on our list, Pet Assure offers a discount plan rather than an insurance plan for pets. Rather than reimburse you for a percentage of the costs you paid for eligible services, Pet Assure helps you get a discount on covered services through your vet, like emergency care, ultrasound, and wellness visits.

💲 Pet Assure’s discount plan provides upfront savings on veterinary services for a unique alternative to traditional pet insurance.

Pet parents interested in signing up for Pet Assure must do so through their employer that offers it as an employee benefit. Check here to see if your employer includes Pet Assure in your benefits package.

Why We Chose Pet Assure

Pet Assure is widely appreciated by pet owners for its straightforward approach to pet care savings. The company stands out for its simplicity and effectiveness, offering programs that provide immediate financial benefits at the vet’s office. Unlike traditional pet insurance, Pet Assure’s plans are known for their ease of use, with no complicated claim processes or waiting periods.

Pet Assure offers two primary programs: the Veterinary Discount Plan and the Mint Wellness Plan. The Veterinary Discount Plan is designed to offer instant discounts on various in-house medical services at participating veterinarians while the Mint Wellness Plan focuses on preventive care.

Pet Assure Insurance Plans

Pet Assure is renowned for offering practical and straightforward programs for pet care, each designed to cater to the different needs of pet owners. The company’s focus is on providing accessible and immediate benefits, which is evident in its two primary offerings: the Veterinary Discount Plan and the Mint Wellness Plan.

Veterinary Discount Plan: This plan is a direct way to save on veterinary expenses. Once you enroll, you receive a discount card that can be used at any participating veterinary clinic. Here’s how it works:

  • Instant Savings: You get a flat discount on all in-house medical services immediately. This includes consultations, treatments, surgeries, and even emergency care.
  • Wide Coverage: It covers a range of services, from routine check-ups to more complex procedures.
  • No Exclusions: Unlike traditional insurance, there are no exclusions for pre-existing conditions, breed-specific issues, or age limits.

Mint Wellness Plan: Pet Assure’s Mint Wellness Plan is tailored to provide routine healthcare coverage for pets. It’s available in three tiers:

  1. Basic Plan: This plan includes one office/wellness visit, two vaccinations, one routine bloodwork, and one fecal test/urinalysis per year.
  2. Essential Plan: This plan expands on the Basic with three vaccinations per year, grooming, and preventatives.
  3. Premium Plan: This plan offers two office/wellness visits, four vaccinations, grooming, preventatives, and a dental care service per year.

These two plans from Pet Assure show their commitment to making pet care more manageable and affordable. The Veterinary Discount Plan is a broad option for those seeking immediate savings on a wide range of veterinary services, making it an excellent choice for pet owners who need flexibility and coverage for various health needs. On the other hand, the Mint Wellness Plan emphasizes the importance of regular, preventive care, ensuring pets stay healthy and potentially avoiding more costly treatments down the line.

Together, these plans offer a comprehensive approach to pet care, addressing both immediate needs and long-term health.

Pricing

Pet Assure offers four plans: Single Cat, Single Dog, Family, and Unlimited. The Single Cat Plan, for one cat or small animal, costs $9.95 monthly or $79 annually. The Single Dog Plan, for one dog or large animal, is $11.95 monthly or $99 annually. The Family Plan covers two to four animals of any size at $16.95 per month or $149 annually. The Unlimited Plan includes all pets in a household for $21.95 monthly or $199 annually.

The Mint Wellness Plan has three tiers: Basic, Essential, and Premium. The Basic Plan costs $18 monthly, the Essential Plan is $34 per month, and the Premium Plan is $57 monthly. Each tier offers different levels of reimbursement for wellness care, ranging from $350 to $1,100 annually.


ManyPets 

Pros

  • Exam fees included in coverage
  • No annual limits
  • Includes annual stipend for vitamins, supplements, dental cleanings, and parasite tests/prevention
  • Coverage in the United States, United Kingdom, and Sweden
  • Waiting period waived if switching from another insurance provider

Cons

  • Pets over the age of 6 not eligible for hip dysplasia coverage at enrollment
  • Not available in Hawaii, Idaho, Maine, Massachusetts, and Minnesota
  • Requires medical records from previous 18 months upon enrollment

Option to Pay Vet Directly: No
App Support: No
Accident Waiting Period: 15 Days
Illness Waiting Period: 15 Days
Orthopedic Waiting Period: 15 Days
Vet Helpline Available: Coming Soon
Multi-Pet Discount: No
Deductible Type: Annual

ManyPets is a somewhat newer pet insurance company that’s available in the UK, Sweden, and most of the United States, with plans to expand into more states in the coming year or so. Its pet insurance policy options for dogs and cats start as low as $20 per month with unlimited claims payouts and up to 100% reimbursement on covered services.

🌍 ManyPets offers international coverage and plans starting as low as $20 per month, making pet insurance accessible and affordable.

Plus, it works with any vet you choose for exams, routine checkups, cancer treatments, diagnostics, and more. Use the simple online claims filing service to submit a claim quickly and securely.

Why We Chose ManyPets

Pet owners appreciate Many Pets Pet Insurance for its comprehensive coverage and flexibility. Their range of plans caters to various stages of a pet’s life, including options for puppies, dogs, older dogs, kittens, cats, older cats, and wellness care. These plans are designed to meet the specific health needs of pets at different ages and conditions, ensuring that owners can provide the best possible care for their pets at every stage. Additionally, the inclusion of a wellness plan highlights a focus on preventive care, which is key for maintaining long-term pet health.

ManyPets Pet Insurance Plans

ManyPets Pet Insurance offers diverse plans for different life stages of pets, each addressing specific health needs:

  • Puppy Plan: This plan covers various aspects critical for young dogs, like accidents, illnesses, hereditary conditions, and emergency care. It’s essential for puppies as they are prone to mishaps while exploring.
  • Dog Plan: Aimed at adult dogs, it encompasses a wider range of coverage including chronic conditions, surgeries, and more, catering to the evolving health needs of a growing dog.
  • Older Dog Plan: Specifically designed for senior dogs, this plan focuses on age-related health issues and provides coverage for conditions more common in older dogs.
  • Kitten Plan: Similar to the Puppy Plan, but for kittens. It covers accidents, illnesses, and congenital conditions, providing a safety net for the curious nature of young cats.
  • Cat Plan: Provides comprehensive coverage for adult cats, addressing needs such as chronic conditions and emergency care.
  • Older Cat Plan: Tailored for senior cats, this plan covers age-related issues and helps manage the health of older cats.
  • Wellness Care: An additional option for preventive care, covering routine check-ups, vaccinations, and similar wellness needs.

These plans ensure that pet owners can provide appropriate care throughout their pets’ lives, from their youthful explorations to their golden years.

Pricing

ManyPets pet insurance rates begin at $15/month for cats and $20/month for dogs. The cost varies depending on factors like the pet’s breed, age, location, and the chosen plan. Owners can adjust costs by selecting from four reimbursement rates (70%, 80%, 90%, 100%) and five deductible amounts ($0, $100, $250, $500, $750). There are no lifetime or annual limits.

On average, ManyPets insurance costs about $36 per month for unlimited coverage with a $500 deductible and 90% reimbursement. Costs per dog breed vary, with a Chihuahua averaging $23/month and a French Bulldog around $87/month.


Spot 

Pros

  • No upper age limits
  • No incident limits or lifetime caps
  • Includes exam, microchip, and prescription food coverage

Cons

  • Charges payment processing fees
  • No weekend customer support
  • Higher premiums

Option to Pay Vet Directly: No
App Support: Yes
Accident Waiting Period: 14 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 14 Days
Vet Helpline Available: Yes
Multi-Pet Discount: Yes
Deductible Type: Annual

Spot Pet Insurance covers dogs and cats eight weeks or older. Pet parents can choose plans for accidents and injuries or accidents only to get the level of coverage they need. Preexisting conditions are not covered by Spot, but dogs or cats exhibiting no symptoms for 180 days could be eligible for coverage on their condition should it return.

🐕‍🦺 Spot Pet Insurance covers a wide age range of pets and allows customization of annual limits and deductibles for budget-friendly premiums.

When you get a quote for a Spot Pet Insurance policy, you can customize your annual limits, deductible, and reimbursement percentage to get a premium that fits your budget. Insurance by Spot is available nationwide.

Why We Chose Spot Pet Insurance

Pet owners love Spot Pet Insurance for its flexible and comprehensive coverage options. They offer plans for both cats and dogs, catering to the different needs of each pet. Their insurance plans are well-regarded for their inclusivity and coverage, ensuring pets get the care they need. Additionally, Spot offers Preventative Care options, which is a big draw for pet owners who want to focus on maintaining their pet’s health proactively.

This combination of comprehensive pet insurance and preventative care makes Spot a popular choice among pet owners looking for reliable and thorough coverage for their furry friends.

Spot Pet Insurance Plans

Spot Pet Insurance offers detailed plans for both dogs and cats, ensuring your pet receive care from nose to tail.

  1. Accident-Only Coverage: Specifically designed for unforeseen accidents, this plan provides coverage for treatments related to injuries and emergencies such as cuts, broken bones, and other unexpected incidents. It’s a suitable option for those seeking insurance focused exclusively on accidents.
  2. Dog Insurance Plan: This plan covers a wide range of needs including accidents, chronic conditions, hereditary and congenital conditions, cancer, dental diseases, and behavioral issues. It’s designed to provide thorough coverage for dogs’ health.
  3. Cat Insurance Plan: Similar to the dog insurance, it covers accidents, illnesses, chronic conditions, hereditary and congenital conditions, and more, providing extensive coverage for cats.
  4. Preventative Care Plan: Focuses on routine health maintenance, including spaying/neutering, dental cleaning, and wellness exams.

These plans from Spot Pet Insurance ensure that your pets are well cared for, covering a wide array of health issues and emergencies. This comprehensive approach helps pet owners manage both expected and unexpected health needs of their pets.

Pricing

Spot Pet Insurance premiums are influenced by factors like the pet’s breed, age, chosen deductible, reimbursement rate, and annual benefit limit. Options include deductibles from $100 to $1,000, reimbursement rates between 70% and 90%, and annual benefit limits ranging from $2,500 to $10,000 or unlimited. Wellness coverage offers Gold and Platinum plans, starting at $9.95 and $24.95 per month, respectively.

The average monthly cost for a dog with $5,000 annual coverage is around $45, or $59 for unlimited coverage.


ASPCA Pet Health Insurance

Pros

  • Exam fees, microchip, prescription food, behavioral problems, and dental coverage included
  • No medical history or exam required for enrollment
  • Horse insurance available, in addition to dogs and cats

Cons

  • Highest annual coverage available online is $10,000—you must call to ask about unlimited options
  • Can take up to 30 days to receive reimbursement
  • No weekend customer support

Option to Pay Vet Directly: No
App Support: Yes
Accident Waiting Period: 14 Days
Illness Waiting Period: 14 Days
Orthopedic Waiting Period: 14 Days
Vet Helpline Available: Yes
Multi-Pet Discount: Yes
Deductible Type: Annual

ASPCA Pet Health Insurance has been available for dogs and cats since 2006. This unique coverage for behavioral problems includes anxiety medication, behavioral therapy, and behavior modification training.

🐾 ASPCA Pet Health Insurance uniquely covers behavioral problems, offering anxiety medication, therapy, and training alongside standard pet insurance benefits.

In addition to accidents, illnesses, and genetic conditions, ASPCA pet insurance also covers some chronic conditions, prescriptions, microchipping, and alternative treatments, like physiotherapy and acupuncture.

Why We Chose ASPCA Pet Health Insurance

Pet owners are drawn to ASPCA Pet Health Insurance for its variety of plan options and reliable coverage. They offer three main types of plans: Complete Coverage, Accident Only Coverage, and Preventative Care Coverage. Each plan is designed to cater to different needs and budgets, making it easier for pet owners to find a plan that suits their specific situation.

ASPCA Pet Health Insurance Plans

ASPCA Pet Health Insurance offers a range of plans to cater to the varying needs of pet owners:

  1. Complete Coverage: This all-encompassing plan covers a wide range of pet health concerns. It includes accidents, illnesses, chronic conditions, hereditary and congenital issues, dental diseases, and behavioral health treatments. It’s especially suited for pet owners who want an extensive coverage umbrella for various health scenarios, from minor illnesses to major surgeries.
  2. Accident Only Coverage: Targeted for unexpected incidents, this plan is tailored to cover treatments resulting from accidents. It includes care for injuries like cuts, broken bones, and poisonings, offering a focused coverage option for emergencies and accidental injuries.
  3. Preventative Care Coverage: Aimed at maintaining your pet’s health, this plan covers routine procedures. These include vaccinations, annual wellness exams, dental cleanings, and routine screenings like fecal tests and bloodwork. It’s ideal for pet owners who prioritize regular health maintenance and preventative measures to avoid future health issues.

ASPCA Pet Health Insurance’s plans provide a comprehensive approach to pet health care, addressing both immediate and long-term needs. These varied options allow pet owners to select a plan that aligns with their pet’s health requirements and their financial capabilities, ensuring pets receive the necessary care throughout different stages of their lives.

Pricing

ASPCA Pet Insurance premiums are calculated based on several factors: the chosen annual deductible (options range from $100 to $500), the reimbursement rate (from 70% to 90%), and the annual benefit limit, which can vary from $2,500 to unlimited. Additionally, the rate depends on the pet’s breed and age.

For instance, a Chihuahua’s average cost might be around $33 per month, while a French Bulldog could be approximately $67 per month. The average cost for a plan with $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement level is about $43 per month.

 The cost for unlimited coverage with a $500 deductible and 90% reimbursement is typically around $56 per month.


Existing Auto or Homeowners Insurance 

Another option for pet parents to get a pet insurance plan is to check with their existing homeowners insurance provider. Some homeowners insurance companies offer pet insurance as an additional product, and you can typically save money across your policies by bundling your insurance together with the same company.

🏡 Homeowners may find convenient pet insurance options through existing insurance providers like Geico and USAA, potentially benefiting from bundled discounts.

For instance, Geico’s pet insurance covers accidents, injuries, dental problems, and other necessities for pets. USAA also provides pet insurance for as little as $1 a day for prescriptions, behavioral therapy, emergency room visits, and more. 

Not all homeowners insurance companies discuss their pet insurance on their websites. If you can’t find any information about your company, it doesn’t hurt to ask your agent whether pet insurance is available.

👉 Read our full review of USAA Home Insurance and find the right insurance policy for your home.

What Does Pet Insurance Cover?


After reading our pet insurance review of each company, you may notice that pet insurance policies can vary greatly between insurers. Some companies include routine visits and wellness care in their plans, while others offer more limited coverage for accidents and illnesses only.

Generally, the best pet insurance plans cover ordinary veterinary expenses, like annual wellness checks, office visits for illnesses or injuries, hereditary conditions, vaccines, and routine dental care. However, they usually do not cover preexisting conditions your pet has. For example, if your dog has had symptoms of arthritis for the past few months, your policy will likely not cover any veterinary care relating to arthritis, including checkups and treatments.

Some of the best pet insurance companies provide extra benefits that others don’t, like coverage for alternative treatments, like laser therapy and rehabilitative therapy. Behavioral therapies and management might also be included for pets that suffer from anxiety-related behavior issues. 

When comparing quotes from different insurers, be sure to consider what each policy includes. You might pay a bit more each month with one company, but it could be worth it if that company extends coverage for almost any veterinary care your cat or dog needs.

How Much Does Pet Insurance Cost?

Expect the cost of your pet insurance coverage to vary by company, breed, age, and type of coverage. On average, expect to pay $30-$50 per month for dogs and $20-$40 per month for cats. However, some cat and dog breeds with a risk of genetic disorders may cost more, as will older animals. Many companies charge higher premiums as pets age, with some more than tripling prices for 12+ year-olds compared to puppies and kittens. 

💰 Pet insurance costs vary based on factors like breed, age, and coverage type, with average prices ranging from $20-$50 per month depending on the pet and plan specifics.

When receiving a health insurance quote for your pet, use the tools on a company’s website to help you find the right price. Usually, you can adjust your deductible, coverage limits, and reimbursement rate to find a monthly premium price that you feel comfortable with.

Pet Insurance vs. Pet Discount Plan

Pet insurance and pet discount plans can both save you money on your vet bills, but they work differently. It’s important to understand the difference between the two when shopping for pet insurance for your dog or cat.

Pet health insurance reimburses you for a portion of the amount you pay your veterinarian for covered services, like immunizations and lab testing. Some companies pay as much as 90% of your covered vet bills. This money either gets paid directly to your vet or goes to you after submitting a claim. 

In contrast, a pet discount plan gives you an upfront discount on covered services. For example, let’s say you brought your cat in for an ear infection. Your discount plan may offer you a 25% discount on the vet visit and prescription, which comes off your bill before you pay. Employers sometimes offer pet discount plans as part of an employee benefits package.

Typically, pet health insurance can save you more money with its higher reimbursement percentage and comprehensive covered services. Still, either one can be a good option for pet owners seeking a bit of financial help when caring for their furry loved ones.

Is Pet Insurance Worth It?

🐱 Cat owners should note that pet insurance premiums can vary significantly by breed and age, with some plans costing more for older cats or breeds prone to health issues.

As a homeowner, there are many different types of insurance that can offer protection and peace of mind. The best pet insurance options could be worth the costs for many pet owners. If your dog or cat suddenly becomes ill or has an accident that could result in costly veterinary bills, your pet insurance plan could help you stress less about finances and focus more on helping your pet get better.

Even owners of healthy pets may benefit from the peace of mind of having a pet insurance plan available. These plans often pay for annual well-checks, routine immunizations, and prescriptions your pet might need for overall health and wellness. Utilizing these services throughout your pet’s life can help give them a long, healthy future.

Compare quotes from several companies to decide whether pet insurance fits into your budget. Weigh the monthly costs with the potential costs of an accident or illness with expensive vet bills. You might also check with your veterinarian for a pet insurance recommendation. Some vets partner with a specific insurance provider, keeping the billing process simpler for you.