The best pet insurance companies
If you’re in the market for pet insurance, consider Insurify’s top 10 picks for best pet insurance companies.
The American Kennel Club (AKC) is the exclusive pet insurance partner of the AKC, the world’s top dog registry. The company offers dog and cat insurance and has good customer reviews. AKC offers a base accident and illness coverage plan with add-on options to cover wellness, exams, breeding, hereditary conditions, and final respects.
Plans are customizable to your needs and budget and can be adjusted mid-policy if needed. You can choose your own coverage limits and decide whether you want to pay monthly or annually. Discounts are available for insuring multiple pets, you can see any vet, and there’s no age limit for insuring senior pets with the company’s AccidentCare plan.
The average monthly cost of an accident and illness plan is $28.63 for dogs and $20.71 for cats.
The American Society for the Prevention of Cruelty to Animals (ASPCA) offers customizable pet insurance options — including coverage for accidents, illnesses, hereditary conditions, and behavioral issues. Plans may also cover alternative therapies, prescription food and supplements, and certain congenital conditions. You can also opt to add on wellness coverage to your plan.
ASPCA is one of the oldest pet insurance providers and has excellent customer reviews. With ASPCA, you can choose a deductible that fits your budget — $100, $250, or $500. And you can also choose from different reimbursement rates — 70%, 80%, and 90%. In addition to policies for dogs and cats, the ASPCA also offers plans for horses.
The average monthly cost of an accident and illness plan is $49.45 for dogs and $24.96 for cats.
Embrace has great customer reviews and offers one simple policy that covers accidents and illnesses — including chronic conditions, cancer, and breed-specific conditions. The company also has a separate wellness option that helps cover routine care.
With Embrace, you can visit any vet or access its 24/7 Paw Support telehealth line. You also get a 10% multi-pet discount. There’s a 14-day waiting period for illness and a two-day waiting period for accidents. While Embrace doesn’t cover pre-existing conditions, it only reviews medical records going back 12 months before your policy start date.
The average monthly cost of an accident and illness plan is $63.63 for dogs and $42.36 for cats.
Figo provides pet insurance for cats and dogs, and you can visit any veterinarian. The company offers three flexible plans that cover accidents and illnesses, along with chronic conditions, hereditary and congenital disorders, and cancer. You can also add optional wellness coverage for routine care.
Claims are typically processed in less than three days, and there are no incident coverage caps. Members also have access to a 24/7 vet hotline as well as Pet Cloud, which provides a personalized pet tag to help reunite lost pets with their owners.
The average monthly cost of an accident and illness plan is $24.82 for dogs and $12.60 for cats.
Lemonade offers top-rated pet insurance along with renters, homeowners, car, and life insurance policies. Lemonade offers plans for dogs and cats, as well as a preventative care plan especially for puppies and kittens.
With Lemonade, you can go to any licensed vet. Its plans cover accidents and illnesses, along with routine care like wellness exams, vaccines, and tests. You can also upgrade or downgrade your plan if your needs change.
The average monthly cost of an accident and illness plan is $18.61 for dogs and $16.22 for cats.
Quick claim reimbursement
Discounts for policy bundling and multiple pets
Short waiting periods for most types of coverage
Rates may be affected by your credit history
Not available in all states
Requires your pet’s medical records upon sign-up
MetLife pet insurance is available for dogs and cats and can be used with any vet. Plans are customizable and include coverage for accidents and illnesses, along with holistic care, chronic conditions, alternative therapies, and more.
You can choose coverage levels ranging from $500 to unlimited, deductibles from $0 to $2,500, and reimbursement packages of up to 100%. Prices vary depending on the age and breed of your pet, along with your location. But you may be eligible for a decreasing deductible or other types of discounts, including savings for first responders, veterans, and healthcare workers.
The average monthly cost of an accident and illness plan is $38.03 for dogs and $26.62 for cats.
Pre-existing conditions may not be covered
14-day waiting period for illness coverage
Claims typically take up to 10 days to process
Nationwide Pet Insurance has been providing coverage for pets for nearly 40 years, is one of the only pet insurance companies backed by a nationally known insurance company, and has excellent customer ratings. Nationwide offers plans for dogs and cats, along with birds and a long list of exotic animals — including amphibians, ferrets, and potbellied pigs.
You can use Nationwide at any licensed vet, and it offers plans that cover accidents and injuries, illnesses, and hereditary conditions. Coverage is also available for holistic and alternative care and some routine care. Plans start at $35 per month, but premiums vary depending on your location, the type of pet you have, and your pet’s age. If you have more than one pet, you may also be able to get a discount.
The average monthly cost of an accident and illness plan is $31.08 for dogs and $14.45 for cats.
Offers exotic pet coverage
May be available through your employer
Free vet helpline for members
Pets Best insurance is available for cats and dogs and has great customer reviews. It offers coverage options for accidents, illnesses, and wellness care, along with a 24/7 expert vet hotline. You can see any vet, and plans start at less than $10 a month for accident-only coverage.
Plans are customizable, based on your pet’s needs and budget — Pets Best says it has more than 100 possible plan combinations. Plus, you can make changes to your plan at any time.
The average monthly cost of an accident and illness plan is $29.96 for dogs and $15.05 for cats.
Budget-friendly accident-only plan
No loss of coverage for senior pets
Option for insurer to pay vet directly
Some holistic therapies may not be covered
Pre-existing conditions not covered
Exam fees may not be covered
Spot Pet Insurance offers coverage for dogs and cats. You can choose from accident and illness plans or accident only. Wellness coverage is also available as an add-on. The company also offers an accident-only option for kittens and puppies.
Spot has great customer reviews, and you can use your plan with any vet. Plans can be customized to best suit your needs. You can select your reimbursement percentage, annual limit, and annual deductible. You can also get a 10% discount for enrolling multiple pets.
The average monthly cost of an accident and illness plan is $49.35 for dogs and $24.96 for cats.
Offers accident-only coverage for puppies and kittens
Exam fees are typically covered
Covers alternative therapies
Trupanion is a top customer-rated insurance company that offers pet insurance policies for cats and dogs from birth up to age 14. Unlike other pet insurance companies, there’s no deductible. The company does have a 12-day waiting period, but Trupanion offers immediate coverage when you sign up with its Exam Day Offer.
While you only have one plan option, there are no coverage limits, even if your vet bill is $100,000 or more. With Trupanion, accidents and illness are covered, along with things like diagnostic tests, surgeries, medications, and mobility devices. But the company doesn’t offer preventive care or wellness coverage.
The average monthly cost of an accident and illness plan is $58.44 for dogs and $22.57 for cats.
No coverage limits
Covers hip dysplasia
Insurify sourced the quotes on this page directly from the pet insurance company websites. Dog quotes were based on a 2-year-old male mixed-breed dog that weighs between 31 and 50 pounds and lives in Hartford, Connecticut. Cat quotes were calculated based on a 2-year-old female American shorthair that lives in Hartford, Connecticut.
All quotes were based on a $500 deductible, except for Nationwide, which provided quotes based on a $250 deductible. Keep in mind that your quotes may look different based on your particular pet profiles and where you live.