Top Pet Insurance Companies

Should you get insurance for your beloved pet? Learn about the top pet insurance companies that will give your precious fur buddy the care it deserves!

 

✔ Last updated: 2024-03-25

If you are wondering if you should get your pet insurance, then you are in a for a treat. Pet insurance basically pays for your pet’s veterinary treatment if ever it becomes ill or injured. Learn about the different policies these top pet insurance companies offer!

Rank

Service Provider

Features

Visit Site

★★★★★
100+ Ratings

Accident and illness coverage for your cat or dog within 5 days

✔24/7 helpline and mobile app
✔Plans from $1 per day
✔Donates to rescue charities

★★★★★
100+ Ratings

Complete coverage or accident-only options for your cat or dog

✔Online member center
✔Low rates for multiple pets
✔A+ BBB rating

★★★★★
100+ Ratings

Covers congenital, hereditary, and chronic conditions for your cat or dog

✔24/7 customer care
✔No enrollment fee
✔Fetch! magazine and blog

★★★★
100+ Ratings

Exam and wellness fees coverage, plus alternative therapies

✔24/7 MyEmbrace portal
✔Free quote
✔Donates to animal charities

★★★★
100+ Ratings

Covers illness, surgery, hereditary conditions and herbal therapy

✔Vet direct pay
✔Featured in the NY Times
✔24/7 customer care

★★★★
100+ Ratings

Hospital stays and wellness insurance for your cat or dog

✔Call center open 13 hours/day
✔No enrollment fee
✔Runs the Scoop! blog

★★★★
100+ Ratings

Complete coverage and preventative care for your cat or dog

✔Online member center
✔Free quote
✔No lifetime payout limit

★★★
100+ Ratings

4 star reviews on Trustpilot

✔Online policy portal
✔Discount for multiple pets
✔Health information blog

★★★
100+ Ratings

In-house vet care for any pet in the animal kingdom

✔Call center open 12 hours/day
✔Free quote
✔Accepts any animal

★★★
100+ Ratings

Accident, illness and alternative therapies

✔Online claims form
✔Risk-free quote and trial
✔Pet care and breeding center

Is Pet Insurance Worth It?

Some people think that pet insurance is too expensive. That may be true, but if you think about it – we are used to paying thousands of dollars per year for our family’s health insurance, aren’t our pets part of the family and don’t they deserve the same kind of protection? In reality, paying for as low as $30 per month for pet insurance could end up saving your pet best friend.

Instead of paying $6,000 for a vet bill because your dog or can needs cancer treatment, a large part of it could get covered through pet insurance. Yes, it is heartbreaking to know that your dog has cancer, but it is even more painful if you turn down treatment because you can’t afford to pay the bills for it.

No pet owner wants to face that decision, that is why signing up for pet insurance is a great idea.

Understanding Pet Insurance

Pet insurance is just like any other health insurance for humans. Having a dog or cat protected by a top insurance plan can put your mind at ease knowing that unexpected medical bills would be covered.

There are three types of insurance coverage: illness, accident, and wellness. You can sign up for 1, 2, or all of this coverage depending on your preference.

Now, let’s discuss a little bit more about this different coverage.

1. Illness Coverage – A lot of pet insurance companies limit their illness coverage as your pet ages. That is why it is wiser to have your pet covered while it is still young to reduce pre-existing condition exemptions and your monthly cost. Illness coverage can cover diseases like cancer, UTIs, allergies, arthritis and more.

2. Accident Coverage – We cannot predict an accident, but we can plan ahead for potential incidents that could cost us a fortune. Every pet health insurance companies offer accident coverage that can include torn ligaments, bite wounds, broken bones and other pressing health needs.

3. Wellness Coverage – This type of coverage is always optional. You can pay for wellness expenses on your own, or you can invest a little each month with an insurance company to avoid out of pocket for routine visits to your pet’s vet.

Wellness plans can cover the following:

1. Spray or neuter
2. Annual examinations
3. Routine blood panels
4. Urinalysis
5. Stool testing
6. Vaccinations such as rabies, Bordetella, DHLP, parvo, Lyme, and giardia
7. Teeth Cleanings
8. Flea, tick or heartworm treatments