Shopping for the best pet insurance? We’ve put together the top 8 insurance companies in one place for you to compare!

We evaluated them by their premiums, deductibles, benefit limits, coverage exclusions, waiting periods, customer service, and overall quality of the company. You’ll find out our full evaluation methodology below.

Continue reading to find out more!

Shopping for the best pet insurance? We’ve put together the top 8 insurance companies in one place for you to…

Shopping for the best pet insurance? We’ve put together the top 8 insurance companies in one place for you to compare!

We evaluated them by their premiums, deductibles, benefit limits, coverage exclusions, waiting periods, customer service, and overall quality of the company. You’ll find out our full evaluation methodology below.

Continue reading to find out more!

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Best Pet Insurance for Cats and Dogs

COMPANY
STATS
FEATURES
PRICE
Fast claims process
Best diminishing deductible
Other pet services inc.
Optional wellness plan
FROM $10
Speedy claims payments
Highly customizable plans
Eligible for travel coverage
Easy-to-use app for claims
FROM $25
Customizable deductible
Two riders
Great 24/7 customer service
No payout limits
90% coverage after deductible
FROM $22
No lifetime limit
Covers sick exam fees
Rewards for healthy pets
5% off for online purchases
FROM $30
5% discount for multiple pets
Fast claims processing
Cat and dog wellness plan
No records or vet exam needed
FROM $20
10% discount for multiple pets
Very affordable
Many ways to submit claims
100% reimbursement option
FROM $20
Cat and dog wellness available
Multiple pet discounts
Inexpensive plan options
$0 deductible & 100% benefit
FROM $6
Suitable for older pets
Offers wellness plans
One plan for all pets
No restrictions
FROM $10

This page may contain affiliate links. For more details, check out our affiliate disclosure.

Best Exotic Pet Insurance

COMPANY
STATS
FEATURES
PRICE
Based on discounts
25% off with listed vets
Covers nearly every type of pet
Multiple pet discounts
FROM $6.58
Covers all pets
Wellness plan available
Fast claims processing
Broad coverage
FROM $35

Reviews of the Best Dog and Cat Health Insurance

The most common pet insurance is for cats and dogs, though some companies offer only dog insurance. You have plenty of options available to choose from, but keep an eye not only on what it covers but what it doesn’t cover as well.

Embrace Pet Insurance Review

Embrace Pet Insurance Review

Rating: 9.9

Best Pet Insurance with Wellness Coverage

  • Animals Covered: Cats and dogs
  • Claims Process Time: Usually within 15 business days
  • Benefit Limits: 70%, 80%, or 90% of annual costs
  • Deductible: $200, $300, $500, $750, or $1,000
  • Monthly Premium: Starting at $10 for cats and $16 for dogs

Although they don’t offer insurance for all pet types, we found many other Embrace Pet Insurance reviews agreeing that they’re the best overall if you have a dog or cat.

What we liked most is that they not only have a speedy claims process but also offer optional wellness coverage. 

It’s ideal for new pet owners unaware of how expensive a vet visit can be.

With Embrace, you’ll get up to 90% of your vet bills back when you visit any vet, as long as the reason for the visit is covered. 

As other reviews of Embrace pet insurance have noted, the company doesn’t cover pre-existing conditions. However, it does cover conditions that are curable and haven’t had any symptoms or need for treatment within the last year.

It’s the trusted insurance partner of GEICO, a leader in the insurance industry.

So if you’re already one of GEICO’s customers and would like to add pet insurance, you’ll be presented with Embrace. Thus, any GEICO pet insurance reviews you read are a reflection of Embrace.

Pros:

  • Reimbursement for training, grooming, and other extras
  • No pet coverage limits
  • The best diminishing deductible in the industry
  • Includes a $50 reduction if you had a claim-free year
  • Wellness coverage option

Cons:

  • Bilateral policy 
  • $25 enrollment fee

Healthy Paws Pet Insurance Review

Healthy Paws Pet Insurance Review

Rating: 9.6

Best Value Pet Insurance

  • Animals Covered: Cats and dogs
  • Claims Process Time: Usually within 2 business days
  • Benefit Limits: 70%, 80%, or 90% of annual costs
  • Deductible: $100, $200, $500, or $750
  • Monthly Premium: From $25 for cats and $35 for dogs

It was hard to choose between the top two companies—Healthy Paws is truly a fantastic option that’s very highly rated. 

We found in numerous Healthy Paws pet insurance reviews that not only are the plans very flexible to fit your needs and budget, but the customer service and app are exceptional. 

The company offers an annual deductible rather than per-incident, as well as unlimited lifetime coverage, so there are no limits on claims. 

Although at first glance, it seems it may be more expensive than Embrace, it actually offers the best value over other insurance companies.

Looking over the customer satisfaction reviews of Healthy Paws pet insurance, we found that the app truly is straightforward to work with. It gives you full access at your fingertips, with a speedy claims payout. 

Overall, we saw very little that we didn’t like except for the fact that the company doesn’t offer a wellness plan.

Pros:

  • Exceptional customer service
  • Very fast claims payments within two days
  • Easy-to-use app reimbursement
  • Unlimited lifetime coverage with no annual or incident limits

Cons:

  • No wellness plan
  • Exam fees and behavioral therapies aren’t covered
  • Animals with hip dysplasia over six years old are excluded 
  • Animals over the age of 8 have reimbursement restrictions

Trupanion Pet Insurance Review

trupanion Pet Insurance Review

Rating: 9.8

Best Insurance for Hereditary Conditions

  • Animals Covered: Cats and dogs
  • Claims Process Time: Max 60 days, but usually within 14 days
  • Benefit Limits: 90%
  • Deductible: Customizable from $0 to $1,000
  • Monthly Premium: From $22 for cats and $36 for dogs

There are many things we liked about Trupanion, while others we weren’t huge fans of them. Allow us to break it down. 

First, the company offers two great riders in addition to its standard injury, illness, diagnostic testing, and surgery coverage.

Recovery and Complementary Care riders can help with behavior modification, alternative treatments, physical therapy, and much more. 

While many Trupanion insurance reviews revealed customers liked the coverage overall, the Pet Owner Assistance Package rider is a great addition for pet owners with health conditions as it covers boarding in case of hospitalization.

Furthermore, Trupanion offers 90% reimbursement without any payout limits. 

It is ideal for pets that have hereditary hip dysplasia as there are no age restrictions. Although there may not be a wellness plan, we feel our Trupanion review has shown more than enough reasons to choose them. 

Also, the insurance provides liability coverage and burial or cremation following an accident.

Pros:

  • No payout limits
  • 90% reimbursement after the deductible is met
  • Two riders
  • No age restrictions for animals with hip dysplasia
  • 30-day money-back guarantee
  • Pay directly once you pay your portion of the vet bill

Cons:

  • More expensive than other plans
  • Administration fees in most states
  • Florida residents can’t sign new pets up
  • No wellness plan

Petplan Pet Insurance Review

Petplan Pet Insurance Review

Rating: 10

Best Pet Insurance for Older Cats

  • Animals Covered: Cats and dogs
  • Claims Process Time: Usually 5–14 days, but as long as 30 days
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: Annual deductibles of $250 to $1,000
  • Monthly Premium: From around $30

There are quite a few benefits to working with Petplan. However, you have to be up for the higher monthly costs as the plans are slightly more expensive than others. Still, if you purchase your plan online, you’ll get a 5% discount. 

Furthermore, what most Petplan pet insurance reviews noted as a bonus is that these plans cover losing a pet, advertising for a lost pet, and even vacation cancelations due to illness.

Most people also liked how there are no lifetime limits nor a limit on claims per condition. Also, the fees for sick visit exams that usually average between $50 and $250 are covered. 

It’s important to note that there’s no claims credit.

While this may not be the best cheap pet insurance, you get a 15% discount when there hasn’t been a claim for 12 months. Essentially, you’re rewarded for keeping your pet healthy.

Pros:

  • 5% discount for purchasing on their website
  • No lifetime limit or limit on condition claims
  • Covers sick visit exam fees
  • Coverage when traveling in the US or Canada

Cons:

  • More expensive than most
  • No wellness plan
  • Dental and health checkup annually for coverage
  • No multiple pet discounts available

AKC Pet Insurance Review

AKC Pet Insurance Review

Rating: 9.6

Best Pet Insurance for Dogs

  • Animals Covered: Cats and dogs
  • Claims Process Time: 7 days or less
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100 to $1,000
  • Monthly Premium: From around $20

It’s important to note that PetPartners started working with AKC back in 2003, so if you’re looking for a review on PetPartners, it’s covered here. 

One of the biggest benefits of this insurance is that it doesn’t require a vet exam or veterinary records to enroll your pet.

However, the reason AKC Pet Insurance reviews tend to rank lower is due to the strict age limitations and additional fees for congenital and hereditary conditions.

On the other hand, you do get a 5% discount for any additional pets you sign up, making it an excellent choice for those with more than one young pet. 

Furthermore, they offer an optional wellness plan as an add-on that covers memorial coverage and exam fees.

As other AKC insurance reviews have stated, we have some concerns about the additional charges for hereditary condition coverage, as most other companies don’t do this.

Pros:

  • 5% discount for additional pets
  • Claims processing within a week
  • Vet records and exams not required
  • Wellness plan available 

Cons:

  • Hip dysplasia, congenital, and hereditary conditions for dogs enrolled prior to 2nd birthday
  • No Illness coverage after 9th birthday
  • Six-month waiting period for any CCL injuries

Figo Pet Insurance Review

Figo Pet Insurance Review

Rating: 9.7

Best Multi-Pet Insurance

  • Animals Covered: Cats and dogs
  • Claims Process Time: 5–7 business days (half within 24 hours)
  • Benefit Limits: 60%, 65%, 70%, 80%, 90%, and 100%
  • Deductible: $100, $200, $250, $500, $750, $1,000, and $1,500
  • Monthly Premium: From $20

One thing we noticed and liked about Figo is that the company has put in a lot of effort into maintaining contact with its customers, offering a variety of contact options.

Furthermore, depending on your location, it offers competitive monthly premiums. 

Often, however, the majority of Figo pet insurance reviews focus on the fact that it’s one of the few offering a 100% benefit limit, often overlooking its many other benefits.

Although there’s no wellness plan available, we must note that there’s no maximum age limit, and you can insure your cat or dog as early as eight months.

It may be a considerably young company in comparison to the rest, however, it offers very competitive prices. 

Figo pet insurance also offers an annual deductible, rather than per-incident, and covers your pet while they travel with you anywhere in the US, Canada, or Puerto Rico. For an additional cost, you can also have your vet fees covered.

Pros:

  • 10% discount for additional pets
  • Low prices 
  • 100% reimbursement as an option
  • Many options for submitting claims

Cons:

  • Knee issues require a 1-year waiting period
  • Upon injury, the other leg won’t be covered
  • There’s a $9 admin fee and $2 monthly or $10 annual fee

Petfirst Insurance Review

petfirst Pet Insurance Review

Rating: 9.9

Best Affordable Pet Insurance

  • Animals Covered: Cats and dogs
  • Claims Process Time: 10–14 days
  • Benefit Limits: Up to 100%
  • Deductible: $0–$500
  • Monthly Premium: $6 for cats and $12 for dogs

You will find that there are plenty of options available that can make this insurance company a great choice for those on a budget. 

It’s among the few with a $0 deductible and a 100% benefit reimbursement limit. Of course, this greatly depends on the plan you decide on. 

What other Petfirst pet insurance reviews shared is that customers liked that it offers appealing inexpensive options, and we agree. Furthermore, you get a 5% discount for signing up a second pet and 10% for a third policy. 

Also, the company doesn’t require a vet exam to enroll your pet, and you will find that accident coverage begins the day after. It has a long-standing history since 2004 but was recently purchased by MetLife. 

Still, Petfirst reviews from customers continue to be as positive as ever, praising both the quality of their coverage and their customer service.

Pros:

  • Three wellness plan options available
  • Inexpensive plans available
  • No upper age limit for enrollment
  • 5% discount for a 2nd policy, and 10% for a 3rd

Cons:

  • Wellness plan doesn’t cover all dental treatments
  • 14-day waiting period for illness
  • 6-month waiting period for CCL surgery or other orthopedic conditions

Bivvy Pet Insurance Review

bivvy Pet Insurance Review

Rating: 9.5

Best Pet Insurance for Cats

  • Animals Covered: Cats and dogs
  • Claims Process Time: 24–48 hours
  • Benefit Limits: 80% with coinsurance of 20%
  • Deductible: $250 deductible
  • Monthly Premium: $10

Bivvy is a relatively new company that offers an alternative to the confusion of pet insurance. 

There’s no long list of options available, no deciding on plans—the company offers one single option that’s good if you have a relatively healthy pet. 

The many Bivvy pet insurance reviews and testimonials we found showed that customers are happy with the overall simplicity and the coverage. 

However, keep in mind that it covers less, and there’s a cap on how much it covers yearly.

There’s a $1,000 yearly maximum of coverage and a $25,000 max in lifetime coverage, with a $250 deductible. Still, regardless of your dog or cat’s age, size, or breed, you’ll pay just $10 monthly. 

This one-plan-fits-all policy is straightforward to understand and jump into, plus they offer a wellness plan.

The Bivvy insurance reviews we found customers did like the long list of what’s covered. However, if your pet gets ill often or has any major emergencies, $1,000 a year simply won’t cover it, and the rest you’ll have to pay out of pocket.

Pros:

  • Simple one-size-fits-all plan
  • Cats and dogs as early as 4 weeks
  • No cap age for coverage
  • Speedy processing, up to 48 hours

Cons:

  • Only one reimbursement choice
  • Benefit level is limited at just $1,000 a year

If you would like to get more information on what the best dog insurance companies are, visit our exclusive dog insurance companies reviews lineup to find out what are the best of the best. 

Best Pet Insurance for Exotic Animals and Birds

Exotic pet insurance is slightly more difficult to find, although there are some options available out there. Below are the two that we found to have the best options for your exotic pet.

Pet Assure Review

Pet Assure Pet Insurance Review

Rating: 10

Best Pet Insurance for Pre-existing Conditions

  • Animals Covered: Birds, fish, small pets, amphibians, and other exotics
  • Claims Process Time: 24–48 hours
  • Discount: 25% on all procedures
  • Deductible: None
  • Monthly Premium: As low as $6.58 for a small pet

Pet Assure is different from traditional insurance. It’s instead a discount program and a great alternative. 

It covers basically all pets, from cats, dogs, and small pocket pets to the exotic.

Pet Assure reviews all share the same stance: it’s easy, it’s fast, and any type of pet, age, or size can be signed up. There are no forms to fill out, no vet exams to complete, and no waiting for reimbursement. 

As long as your pet visits a vet that works with Pet Assure, you can get a 25% discount on all the services.

The one thing that most Pet Assure insurance reviews and testimonials didn’t like was that it’s not always easy to find a pet that works with the company.

Also, if you’re already working with a vet, you may have to change them.

On the other hand, there are plenty of discounts to be had for multiple pets.

Most importantly, the discount covers pre-existing conditions, making Pet Assure a perfect choice for older pets with health issues that other insurance companies won’t cover.

Pros:

  • Monthly fee for 25% discount with participating vets
  • No age or pre-existing conditions limits
  • No required exams to apply
  • Discounts on multiple pets
  • Covers nearly all pets

Cons:

  • Vet must accept the Pet Assure program
  • Discount isn’t much for serious procedures
  • Not all lab services are covered
  • Prescription foods and medications aren’t covered

Nationwide Pet Insurance Review

Nationwide Pet Insurance Review

Rating: 9.7

Best Exotic Animal Insurance

  • Animals Covered: Cats, dogs, exotic pets, and small pets
  • Claims Process Time: Within 30 days
  • Benefit Limits: 50%, 70%, and 90%
  • Deductible: $250
  • Monthly Premium: From $22 for cats and $36 for dogs

On the one hand, Nationwide provides great insurance if you have exotic animals or small pets. On the other, there isn’t a lack of negative Nationwide pet insurance reviews

Previously known as VPI, Nationwide has plenty of benefits but lacks in some aspects.

The company offers three types of policies: Whole Pet with Wellness, Major Medical with Wellness, and Major Medical. All have a $250 deductible. With these choices, you get a variety of options based on your pet’s needs, age, and overall budget.

However, where the array of options and coverage impresses, for our Nationwide exotic pet insurance review, we can’t overlook the higher prices, not to mention the continuously increasing premium rate and lack of excellent customer service. 

There seem to be plenty of complaints about Nationwide’s timely reimbursements as well. So, we would say, due to lack of many other options, it’s a go-to choice for pets aside from cats and dogs—but proceed with caution.

Pros:

  • Leading exotic pet health insurance
  • Three plans available
  • Wellness plan available
  • Faster and easier processing via phone
  • Broadest coverage 

Cons:

  • Among the more expensive insurance companies
  • Wellness plans aren’t available in every state, so check first
  • Unsatisfactory customer service and slow reimbursements

Methodology for Choosing the Best Pet Insurance

It’s only natural to wonder why you should trust our reviews. 

We want to make it clear that every company is chosen in an unbiased fashion through an in-depth analysis and the thoughtful gathering of consumer feedback. 

Our research is entirely for the benefit of our readers. We did our best to provide you as much information as possible in both our pet insurance comparison chart and our reviews above. 

It’s crucial to consider every aspect when evaluating the wide variety of insurance plans. 

We focused on a multitude of factors, such as lifetime and annual maximums, monthly and yearly premiums, deductibles, exclusions like age limitations or pre-existing conditions, and of course, coverage waiting periods. 

This is because when it comes to our pets, the best pet insurance makes a world of difference—sometimes even between life and death.

Before we continue, it’s essential to understand the basics of insurance. When it comes to pets, it’s not so different than it is for humans. Still, a quick refresher will help you find the best option.

Annual or Monthly Premiums

Understanding premiums plays a vital role in choosing the top pet insurance to fit your needs. A premium is an amount paid annually or monthly to cover your pet. The higher the premium usually means the lower the deductible, resulting in lifetime or annual maximums. 

Furthermore, a plan with a higher premium may even offer additional coverage for lab work, medications, and other veterinary care requirements.

Keep in mind that even if you spend less monthly, this could result in paying more on veterinary care over time. This is because lower premiums are typically coupled with higher deductibles and lower max benefits. 

We’ve covered pet insurance quotes with various levels of coverage, deductibles, and benefit maximums, giving you a variety of options to fit both your needs and budget, all while offering good coverage.

Deductibles

Insurance that has a lower deductible means you’ll be paying less money before the insurance begins covering any veterinary needs. 

The majority of the companies we’ve presented allow you to choose your deductible. This lets you decide how much you want to pay upfront when visiting your vet.

Many animal health insurance plans have deductibles pre-set for certain conditions instead of yearly deductibles. This is ideal for pets that haven’t had many health conditions or illnesses. 

Still, it’s hard to know what the future holds, so these plans usually have less-predictable costs in comparison to other plans that have higher annual deductibles.

Benefit Limits

The majority of insurance companies and plans have limits on maximum benefits. Either they’re limited per year, or they have a lifetime limit. 

The best pet health insurance plans would have higher lifetime or maximum annual benefits. They ensure that even in the case of a severe condition requiring extensive treatment, it will be covered. 

You can also find some plans that have no maximum limits. This guarantees coverage for veterinary services and eligible conditions regardless of how much the previous reimbursement claims were.

Coverage Exclusions

Still asking, what is the best pet insurance? Then make sure you always look for coverage exclusions. 

We found that all plans feature some exclusions, whether they be lab services, examination fees, prescription medications or foods, or specialty veterinary services. Some plans won’t enroll a pet over a certain age, and the majority won’t cover any pre-existing conditions. 

You can find some plans covering pre-existing conditions as long as the pet has been treated and hasn’t shown any symptoms for over a year. Other common exclusions we found were lab or examination services.

Waiting Periods for Coverage

Even the best pet insurance has some sort of waiting period, anywhere from several days to several weeks before coverage begins. 

Furthermore, depending on the type of veterinary need, there are different waiting periods. For instance, for some significant injuries, the waiting period can be as long as 12 months. 

Our goal was to find companies offering plans with short waiting periods for the majority of conditions, illnesses, and injuries.

Customer Service

Lastly, to find the best-rated pet insurance, we also focused on customer service. 

We not only dove deep into forums and discussions about these different companies but tested them out personally. 

The key is for them to be informative, knowledgeable, patient, and ready to help at all costs. 

We understand that most people seeking pet insurance may not be experts on the topic. Having quality and informative customer service is crucial to help guide customers to the best plan possible.

The Best Pet Insurance
Buying Guide

Below you will find everything you need to understand pet insurance, how it works, and how to choose the best option for your beloved pet.

What Is Pet Insurance?

This may seem like a silly question, but it’s far from that. Many people have never even considered it an option. 

Put simply, it’s very similar to human health insurance, but it’s only for your pets. 

Protecting your beloved pet with the best pet insurance plan will put you at ease knowing that if at any point there are unexpected bills concerning your pet, they’ll be covered.

There are three types to consider, and you can sign up for one or all, though wellness isn’t offered by all companies. 

The best part about pet insurance is that it can easily be molded to fit your needs.

Accident Coverage

When taking care of your pet, the best insurance offers accident coverage. 

It’s impossible to predict if or when an accident will befall your pet. Unfortunately, in most cases, when accidents do happen, we’re rarely financially prepared for them, and they usually cost a fortune. 

Accident coverage typically covers everything from bite wounds and torn ligaments to a variety of health needs. Sometimes this coverage may even include bites or damage from your dog onto others as well.

Illness Coverage

Even the best pet insurance plans with illness coverage usually have exemptions for pre-existing conditions if the animal you’re trying to insure is older. This is why it’s crucial to get this type of insurance coverage while your pet is still considerably young. 

This coverage includes health issues such as allergies, arthritis, UTIs, cancer treatments, and more.

Wellness Coverage

In our pet insurance review, we’ve included some companies that offer plans that cover wellness as well. 

It requires you to pay a little extra monthly, but the insurance will cover routine vet visits, so you don’t pay as much out of pocket.

This is an optional type of insurance that may be a good idea if you’re insuring multiple pets, and the costs of routine visits have become overwhelming.

A plan from one of the best pet insurance companies offering wellness may cover fees associated with regular vet visits such as annual exams, routine testing, spaying and neutering, and vaccinations, as well as heartworm, tick, and flea treatments. 

All of this really adds up. 

This is why wellness coverage plans have become more and more popular over the years, both individually or as an add-on to other insurance plans.

How Does It Work?

Even with a top-rated pet insurance plan, it’s essential to understand that pet insurance works slightly differently than human insurance.

With most pet insurance plans, you’ll pay the initial price at your vet and then get reimbursed by the insurance company later. 

Once you pay, you get a duplicate itemized receipt from the vet that you send to the company with a claim form. You then wait for a reimbursement check within the company’s set reimbursement timeframe.

The best pet insurance policies will usually guarantee a specific timeframe within which you will receive your payout as a bonus benefit. 

The payout amount depends entirely on the type of policy, its exclusions, the type of procedure, and its cost. 

Furthermore, it depends on your plan’s deductible and the allowance you have per procedure.

Is Pet Insurance Necessary?

Of course, it’s not mandatory, but you may want to consider the main reasons why we feel finding the best animal insurance is essential for any pet owner.

1. You’ll worry less about money when it comes to your pet’s health.

Unfortunately, there are times when we have to make the painful decision between our pet and our financial situation. Whether it’s an expensive procedure or a life-saving surgery, there’s enough pressure and stress. 

With insurance, at least you can remove the financial factor and focus only on the crucial medical decisions that could save your pet’s life. 

2. You can’t predict an accident.

Having the best pet insurance company backing you after an accident can help cut down on the massive pet bills, which could really mean the world to you and your pet. 

From something like a broken bone to a painful chipped tooth, certain injuries can cost a fortune. Paying a little extra monthly for an emergency plan means you’ll get a good portion of those costs back.

3. Different plans offer enough variety to fit every need.

The best part is you can find the best and cheapest pet insurance plan to fit both your needs and your budget. 

It can be tailored perfectly, so you continuously benefit from it. Plus, the younger the pet, the more options you have available.

Of course, the most significant benefit is that you never have to choose between money and your pet’s life. Unfortunately, not everyone is prepared to pay thousands of dollars in medical fees out of pocket.

Instead, in many cases, pet owners opt for the less expensive alternative of euthanasia. With pet insurance, at least finances can be taken out of the picture when making important decisions.

Choosing the Best Pet Insurance

Selecting an insurance company may seem like a difficult task, especially for anyone new to this kind of feat, but it’s really not much different than standard insurance for people. 

There are several important factors to consider when choosing a company to ensure it fits your pet’s needs and your financial capabilities.

Monthly Premiums

Everyone has a budget, and those considering pet insurance are most likely on a tight one.

After all, the reason for checking out our pet health insurance reviews is to help reduce those out-of-pocket expenses in case of an emergency with your pet or another health issue. 

So naturally, the main concern is the premium you’ll have to pay for coverage.

These premiums are calculated based on many factors, but a significant one is how much you want your insurance to pay for qualifying expenses. 

If you want the company to pay a large percentage, i.e., up to 90% with a low deductible, then your monthly costs will be higher. 

Now, if you go with a lower monthly premium, consider a pet insurance quote that covers about 70% with a higher deductible. It’s all about finding a balance that best fits your needs and monthly budget.

Other notable factors considered when premiums are calculated include:

  • Your pet’s age
  • Its breed
  • Its size
  • Any pre-existing conditions

Coverage

As you may have guessed, just like with insurance for humans, each company offers a variety of plans, all covering different things. 

Although it’s necessary and helpful to see what’s covered, the most important thing to look for is what isn’t covered by certain insurance companies, as our reviews have no doubt already highlighted. 

One thing to keep in mind is that the majority of companies and plans don’t cover pre-existing conditions. Furthermore, some might not cover specific injuries or even hereditary conditions.

You will find that a majority of insurance plans don’t cover reproduction, such as a pregnancy or gestation.

Furthermore, to find the best pet insurance for dogs in 2020, consider their breed and how big they’ll get, as some companies may limit coverage based on hereditary issues or size.

Although it has become more popular of late, it’s still relatively difficult to find insurance that covers wellness. That said, it’s crucial to look not only at what a plan covers, but also what it doesn’t, so you don’t get any unpleasant surprises.

Deductibles and Coverage

Since you’re looking for the best pet insurance, our reviews prove that every company has a different approach. However, as a rule, coverage should be anywhere between 70% and 90% of all the expenses that qualify. 

Some companies let you choose this percentage, but remember that the higher it is, the higher your monthly premium will be.

The deductible is either annual, where you pay it once a year, or per-condition or incident, meaning you pay whenever your pet has an issue. 

Of course, it’s entirely up to you what type of deductible works best for you and your pet.

Choosing the Best Insurance for Dogs and Cats

Before you choose a plan for your cat or dog, you must know what each one offers. After you’ve narrowed down the companies you like best, compare their coverage for each plan based on your pet’s age and health concerns.

If you’re choosing a plan for a puppy, remember that even if it’s happy and healthy today, you don’t know what the future holds as you select the best dog health insurance. Many breeds have specific health issues and illnesses that are common. 

If you aren’t familiar with what potential health issues your pup or kitten may face in the future, speak with your vet so you know what plan would fit your needs best.

Large dog breeds often have joint and hip problems as they get older, while some smaller breeds may be more susceptible to eye or ear infections. 

Of course, it’s never pleasant to anticipate the worst, but having a plan of action and keeping potential future health issues in mind is the first step in choosing the best pet insurance in 2020 for you and your pet.

Choosing the Best Exotic Pet Health Insurance

You may have guessed that the majority of insurance companies primarily cover cats and dogs. Finding an insurance company that includes exotic pets is a bit more complicated. 

This type of insurance covers a variety of pets, including parrots, several other birds, fish, reptiles, amphibians, and other small pets such as rabbits, ferrets, and guinea pigs.

This type of insurance is very similar to any other policy for dogs and cats, covering vet visits and emergencies depending on the kind of plan you choose. 

Furthermore, it may also cover escape or even theft of the pet. 

The Final Steps

Once you know what type of insurance you need, it’s time to narrow down the animal health insurance options you’ve found. You can use our reviews above or do your own research to narrow your choices down to three. 

Once you do, consider taking the following steps:

  • Contact each of the final companies you’re considering and get quotes.
  • Be prepared to provide information such as pet type, breed, age, and past and current health issues.
  • With our reviews of these pet insurance companies ready, request a multi-pet discount when applicable if you’d like to insure more than one pet.
  • Ask your vet to send the company you’ve chosen your pet’s full medical records.
  • The company should reply with complete coverage information, including what the plan won’t cover.
  • Find the ideal balance between monthly premiums and coverage, such as illness, accident, wellness, and other available add-ons.
  • Discuss the deductibles and their payout percentages, so you know exactly what your potential out-of-pocket expenses will be.

It’s crucial to understand that the younger the pet, the better, because even the best pet medical insurance plan may not cover pre-existing conditions. So the sooner, the better.

Frequently Asked Questions

Is it worth it, getting pet insurance?

In our opinion, certainly—especially for a younger pet. If it’s a breed that’s predisposed to costly health issues, it could save you a lot of money—so you’ll never have to choose between your pocket and your pet. 

On the other hand, for an animal with previous health conditions that’s older, it may not always be the best choice. So shop around and find what best fits your budget and needs.

What is the average cost of pet insurance per month?

It’s important to remember that this depends a lot on your pet’s type, breed, age, and possible previous conditions. However, a general price range is between $30 and $50 a month.

Do most vets accept pet insurance?

Pet insurance doesn’t work the same way it does for people.

Typically, your vet doesn’t interact with your insurance company. Instead, you pay your vet fees and send a claim to your insurance company to get reimbursed according to the plan you chose. 

So you can take your pet to any vet, and as long as your policy covers the medical care received, you’ll be reimbursed. 

Is Healthy Paws a good pet insurance?

In our extensive research, we found Healthy Paws to be an excellent insurance company.

It not only offers fantastic customer service, but it also provides a variety of benefits. It allows you to build an insurance policy that not only suits your pet’s needs but your budget as well.

Which is better, Healthy Paws or Trupanion?

This depends greatly on your needs, budget, and requirements.

We found that Healthy Paws offers more value at a lower cost, all while providing plenty of extras—as confirmed in numerous customer reviews. 

On the other hand, Trupanion has a better coverage rating. In many ways, they’re also quite similar.

If you’ve narrowed it down to the two, we recommend you request a quote from each and decide for yourself.

At what age should you get pet insurance?

Technically, you can insure your pet at any age without a problem, but the younger it is, the lower your premium and the better the coverage. 

It’s recommended you invest in insurance as soon as you get your pet, especially if it’s very young. If you’re adopting an older pet, we recommend you carefully review each quote and plan offered for what won’t be covered.

Does AAA offer pet insurance?

Yes, through AAA you can receive special discounts on pet insurance through Healthy Paws. 

It’s always a good idea to check with any member associations for special discounts—not only for pet insurance but for just about anything you may have an interest in.

What does pet insurance actually cover?

This depends on the plan you’ve chosen. With most insurance companies, you can create a plan to cater not only to your pet’s needs, history, and potential future health issues but your budget as well.

Final Thoughts

Our team worked hard to bring you the leading pet insurance reviews, along with all the vital information to help you narrow down the company and plan that will be the best fit. 

Don’t end your research here—choose three from our list, contact them, and discuss what options are available based on your pet and budget. 

As you may have already noticed, there are plenty of options out there, and we understand how difficult it is to choose, especially if you aren’t an insurance expert. 

We’ve done our part and provided the legwork. Now it’s entirely up to you to choose the best pet insurance to fit your budget and needs.

3 comments
  1. Like!! I blog frequently and I really thank you for your content. The article has truly peaked my interest.

  2. Being a blogger myself I can appreciate your article very much, I am in the process of opening my own online store with best pet supplies, but until then I am learning so much from an article such as yours for when I start my own pet blog Thank You

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