Best pet insurance companies
|Average Monthly Cost for Dogs||Average Monthly Cost for Cats||Deductible Options||Annual Limit||Reimbursement Options|
|Embrace||$43||$34||$100, $250, $500, $750, $1,000||$5,000 to Unlimited||70%, 80%, 90%|
|Pets Best||$30||$20||$50, $100, $200, $250, $500, $1,000||$5,000 or Unlimited||70%, 80%, 90%|
|Nationwide||$33||$15||$100, $250, $500||$5,000 or Unlimited||50%, 70%, 80%|
|Figo||$32||$16||$100, $250, $500, $750, $1,000, $1,500||$5,000 to Unlimited||70%, 80%, 90%, 100%|
|AKC||$33||$22||$100, $250, $300, $400, $500, $600, $750, $1,000||$2,500 to Unlimited||70%, 80%, 90%|
|ManyPets||$21||$13||$500, $750, $1,000||Unlimited||70%, 80%|
Embrace: Best for discounts
Embrace pet insurance offers various pet plans for dogs and cats, including for full coverage, dental illness, and preventative wellness plans. You can take advantage of a 10% multi-pet discount and a 5% military discount.
With Embrace, you can visit any vet or use its Paw Support telehealth line, which is available to customers 24/7. Embrace also offers overall exam fee coverage, which isn’t always included with other pet insurance companies.
Illness and conditions
Accidents and injuries
Pets Best: Best for low deductible
Pets Best offers several ways to customize your pet’s coverage options. Insurance is available for dogs and cats older than 7 weeks, with no upper age limits. Pets Best allows you to use your own veterinarian with insurance accepted at any licensed vet office in the U.S. and Canada.
With a range of deductible options starting as low as $50, you can find an option that fits your budget. If you have multiple pets to insure, you may qualify for a 5% multi-pet discount.
No pre-existing condition coverage
Six-month waiting period for cruciate ligament conditions
Essential package doesn’t cover exam fees
Nationwide: Best for exotic pet coverage
Nationwide offers pet insurance for dogs, cats, and exotic animals. Exotic animal coverage includes birds, small mammals, reptiles, and amphibians. Some exotic pets are not eligible for coverage, including venomous or poisonous species, endangered or threatened species, and others. Monthly premiums for exotic pets start at less than $21 per month.
With Nationwide, you can use your coverage at any licensed vet in the U.S. If you have multiple pets, you may qualify for a 5% discount.
Figo: Best for full reimbursement coverage
Figo offers pet insurance for dogs and cats that are at least 8 weeks old, with no upper age limits. With Figo, you can visit any licensed vet office worldwide. Figo offers various customizable plans to best fit your needs. Some plans even offer 100% reimbursement coverage.
Like most pet insurance companies, Figo doesn’t offer pre-existing condition coverage. You can still insure your pet with Figo if it has a pre-existing condition, but coverage won’t include the condition.
Accident and illness
Veterinary exam fees
AKC: Best for pre-existing condition coverage
AKC Pet Insurance has provided pet insurance since 2003. It’s the exclusive pet insurance partner of the American Kennel Club, which is the world’s largest dog registry.
With AKC insurance, you can visit any licensed vet, specialist, or emergency clinic in the U.S. or Canada. AKC offers 24/7 veterinary support and is one of the few pet insurance companies that offer pre-existing condition coverage after 365 days of continuous coverage in eligible states. AKC also offers coverage for eligible hereditary conditions, provided you added HereditaryPlus to your policy.
ManyPets: Best for low monthly rates
ManyPets got its start in 2012 in the United Kingdom. Since this time, the company has expanded into Sweden and the U.S.
With ManyPets coverage, you can visit any licensed veterinarian, specialist, or emergency clinic in the U.S. ManyPets provides new insurance policies for kittens, puppies, and older dogs and cats up to age 14 with no additional fees. If your pet was insured before age 14, there’s no age limit as long as you’ve maintained your insurance and routine care.
Accident and Illness
No networks, no restrictions
Covers pre-existing conditions if symptom- and treatment-free for 18 months
No annual or lifetime limits on payouts