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As pet owners, we want the best pet insurance providers for our furry companions. From diets to exercise routines, we prioritize their health and wellbeing. Pet owners often overlook the importance of pet insurance.
Just like human health insurance, pet insurance companies can provide peace of mind in the event of an unexpected injury or illness. But with so many providers to choose from, it can be overwhelming to know where to start. In this article, we’ll review the best pet insurance providers, so you can make an informed decision about which one is right for you and your pet.
What to Look for in Best Pet Insurance Providers
Before we dive into our top picks, let’s review some key factors to consider when choosing a pet insurance provider. These include:
- Coverage options: Does the provider offer a range of coverage options for your pet’s specific needs?
- Deductibles and reimbursement rates: What are the deductibles and reimbursement rates for each plan? Are they affordable and reasonable?
- Waiting periods: How long are the waiting periods before coverage begins?
- Exclusions and limitations: Are there any exclusions or limitations to the coverage? What are they?
- Customer service: What is the provider’s reputation for customer service? Are they responsive and helpful?
Now that we know what to look for, let’s take a closer look at the top 7 best pet insurance providers.
1. Healthy Paws Pet Insurance & Foundation
Healthy Paws Pet Insurance & Foundation is consistently rated as one of the best pet insurance providers by industry experts and pet owners alike. They offer comprehensive coverage for accidents and illnesses, as well as an optional add-on for preventive care.
Healthy Paws insurance has no annual or lifetime limits, and they offer a high reimbursement rate of up to 90%. They also have a quick claims process, with most claims processed within two days.
- Pros: Comprehensive coverage, high reimbursement rate, no annual or lifetime limits, quick claims process, coverage for accidents, illnesses, cancer, emergency care, genetic and hereditary conditions, breed-specific conditions, and alternative care.
- Cons: No coverage for pre-existing conditions.

2. Trupanion
Trupanion pet insurance is another top-rated pet insurance provider that offers comprehensive coverage for accidents and illnesses. They also have a unique feature called the Trupanion Express program, which allows veterinarians to submit claims directly to Trupanion at the time of service. Trupanion has no payout limits and offers customizable deductible and reimbursement options.
- Pros: Comprehensive coverage, no payout limits, customizable deductible and reimbursement options, diagnostic tests are covered, surgeries are covered, Trupanion Express program, highly rated by Trustpilot.
- Cons: No coverage for preventive care.
3. Nationwide Pet Insurance
Nationwide Pet Insurance offers a range of coverage options to suit different pet owners’ needs, including coverage for accidents, illnesses, and preventive care. They also offer a wellness rewards program that provides discounts on preventive care services. Nationwide has no age restrictions for coverage, and they offer a 24/7 veterinary helpline for pet owners.
- Pros: Range of coverage options, wellness rewards program, no age restrictions for coverage, 24/7 veterinary helpline.
- Cons: Lower reimbursement rates than some other providers.
4. Embrace Pet Insurance
Embrace Insurance offers customizable coverage options for accidents, illnesses, and preventive care. They also have a unique feature called the Healthy Pet Deductible, which reduces your deductible by $50 each year your pet stays healthy. Embrace has no payout limits and offers a high reimbursement rate of up to 90%.
- Pros: Customizable coverage options, Healthy Pet Deductible, no payout limits, high reimbursement rate making Embrace one of the best pet insurance providers.
- Cons: Longer waiting periods for some conditions.
5. ASPCA Pet Health Insurance
ASPCA Pet Health Insurance offers a range of coverage options for accidents, illnesses, and preventive care. They also offer a 30-day money-back guarantee, as well as a 10% multi-pet discount for insuring multiple pets. ASPCA Pet Health Insurance has no annual or lifetime limits, offers a high reimbursement rate of up to 90%, and belongs on every list of best pet insurance providers.
- Pros: Range of coverage options, 30-day money-back guarantee, 10% multi-pet discount, no annual or lifetime limits, high reimbursement rate.
- Cons: Waiting periods can be longer than some other providers.

6. Fetch
Fetch offers comprehensive coverage for accidents, illnesses, and hereditary conditions, as well as an optional add-on for preventive care. They also have a unique feature called the Covered For Life guarantee, which guarantees that your pet will be covered for chronic conditions for the duration of their life as long as the policy is renewed each year.
Fetch has no payout limits and offers a high reimbursement rate of up to 90%.
- Pros: Use any U.S. veterinarian, no enrollment fee, no cancellation fee, coverage for dogs and cats
- Cons: Premiums can be more expensive than some other providers.
7. Figo Pet Insurance
Figo Pet Insurance offers customizable coverage options for accidents, illnesses, and preventive care, as well as a 24/7 Pet Cloud feature that allows you to store your pet’s medical records and track their care. Figo has no payout limits and offers a high reimbursement rate of up to 100%. They also offer a 30-day money-back guarantee.
- Pros: Customizable coverage options, 24/7 Pet Cloud feature, no payout limits, high reimbursement rate, 30-day money-back guarantee.
- Cons: Some exclusions and limitations to coverage.
Common Questions and Answers about Pet Insurance
Similar to human insurance shopping, shopping for the best pet insurance providers generates a lot of questions pertaining to cost, effectiveness, advantages, and disadvantages. Some of the common concern and questions:
- Does pet insurance work? Yes. But just like shopping for human insurance, pet insurance is not a one-size-fits-all product.
- Is pet insurance expensive? It depends. Different insurance providers offer various options. Some cost more and some cost less. Some provide more benefits than others.
- What is a disadvantage of pet insurance? Most pet insurance companies only pay a portion of the overall bill.
- What age is the best to get pet insurance? It is typically less expensive to insure younger pets, so it’s best to get pet insurance from the outset of ownership.
Conclusion
Choosing the right pet insurance provider can provide peace of mind and financial protection in the event of an unexpected injury or illness.
Lemonade pet insurance and Spot pet insurance are some other providers you should look into. They are popular options and a worthy addition to any list of best pet insurance providers.
While there are many providers to choose from, the best pet insurance providers we’ve reviewed here offer comprehensive coverage, reasonable deductibles and reimbursement rates, and responsive customer service. Consider your pet’s specific needs and budget when choosing an insurance provider and remember to review the terms and conditions carefully before purchasing a policy.
With the right pet insurance coverage, you can focus on enjoying your time with your furry companion knowing that they are protected. The best way to ensure your pet is healthy is to establish a relationship with a local veterinarian and consult them as needed when you suspect you pet’s health has changed.
Just as health insurance for your pets, pets also provide numerous benefits for their owners. Shopping for pet insurance is wise, but if you haven’t purchased or adopted your pet yet, you may enjoy our article about perfect pets for apartments.