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You want a pet insurance plan that will protect your dog or cat but not break the bank. This handy comparison chart will allow you to narrow down your search for the perfect plan.

Company Major Medical
Wellness Care

Healthy Paws Pet Insurance

The best customer service in the industry.


Healthy Paws Overview



Veterinary Pet Insurance

The most comprehensive coverage.


Nationwide Overview



Petplan Pet Insurance

Major medical coverage with bonus coverage.


Petplan Overview



Pets Best Insurance 

Affordable, customized coverage options.


Pets Best Overview



Embrace Pet Insurance

Fully customized plans for any budget.


Embrace Overview



Trupanion Pet Insurance

Major medical coverage with custom riders.


Trupanion Overview




Figo Pet Insurance

Great option for the tech savvy pet parent.


Figo Overview




ASPCA Pet Insurance

One simple plan with optional wellness coverage.


ASPCA Pet Health Insurance



PetFirst Pet Insurance

Multiple plans for any dog or cat.


PetFirst Overview




PetPremium Pet Insurance

Easy, quick online shopping experience.


PetPremium Overview



AKC Pet Insurance

Simple, affordable coverage in all 50 states.


AKC Pet Insurance Overview



24PetWatch Pet Insurance Logo

Combination of coverage and technology.

24PetWatch Overview



Source: Best Pet Insurance


Where We Get Our Info

We gather customer reviews from a variety of sources and evaluate policies and coverage to ensure you can find the perfect plan for your dog or cat. There are two major categories we rank companies on; customer satisfaction and independent expert ratings. Learn more below.

Customer Satisfaction

Let's face it, sometimes the best way to evaluate whether a company is good or not is to see what their customers have to say. The satisfaction percentages in the chart are based on customer reviews from hundreds of websites and thousands of pet owners. The satisfaction percentage is the aggregate, overall customer satisfaction rating. So, the higher the better.

Overall Rating

We're licensed pet insurance experts, so we know a thing or two about quality coverage. Our five star rating system incorporates four major criteria: coverage, cost, customer satisfaction and company. Each category is rated separately and we use the combination to come up with a company's overall rating. Five stars represent the best pet insurance companies in America.

Rating Legend

Stars Rating
★★★★★ Among the best
★★★★ Better than most
★★★ Average
★★ The rest
Not satisfactory

Learn More: Ratings Methodology


5 Steps to the Perfect Plan


We've helped thousands of pet owners find the perfect plan using this easy 5 step process. Hopefully it can help you find the right plan for your dog or cat!


Step 1. Learn the Terms

Dog doing math on a chalkboard

Tip: Learn about your options and key terms

For example, pet insurance covers your dog or cat for unexpected veterinary bills due to accidents and illnesses. Pet Insurance policies do not cover routine care or pre-existing conditions.

However, you can purchase a pet wellness plan for additional cost. Another important fact is that you can use pet insurance at any licensed veterinarian in the U.S. with no restrictions.

Step 2. Focus on the Top

Dog celebrating with party hat

Tip: Only focus on the top five companies

Before digging into the details you want to separate the good companies from the bad. As we mentioned, there are 12 pet insurance companies in America, but they're not all created equal. In fact, there are winners and losers when it comes to coverage and customer satisfaction.

To make things easy we did our research and ranked every company based on coverage, customer satisfaction and price. We spend a ton of time constantly evaluating coverage to help you make the best decision for your pet. Not all pet insurance companies are created equal. Here is our list of the top 5 best pet insurance companies in America.


Step 3. Read Reviews

Anna kissing her dog Buster

Tip: Read customer reviews before buying

We stand by our rankings because we can sniff out a good company vs a bad pet insurance company, but don't take our word for it! We've also collected thousands of customer reviews from pet owners who have experience with pet insurance.

Reviews offer a key way to learn more about pet insurance companies, but pet parents shouldn't make a decision based on reviews alone. Here is a sample of reviews to give you an idea which companies do the best job paying claims.

"We Didn't Think We Needed It"

"Ever since he was a puppy Carter has been rambunctious. About six months ago he was running through a creek near our cabin in Montana and slipped on a rock, tearing his ACL..." Full Review

- Emily and Dan Williams

"Petplan Answered the Phone at 3:00am"

"A friend sent me a Facebook message about so I decided to check it out. I'm sure like most pet owners I was aware of pet insurance but completely uneducated..." Full Review

- Mitchell Haskens


"Dog Glaucoma is Very Expensive"

"Our precious little Chihuahua baby boy Lugo was diagnosed with glaucoma recently. It's devastating to know that your dog has issues seeing. It's a very helpless situation..." Full Review

- Javier Lomiller

"Saved Over $5,000 with Embrace"

Magruff's Story "We bought insurance for Magruff in 2010 after our friends urged us to consider it, and thank goodness they did! Gruffers unexpectedly needed hip replacement surgery that ended up costing $5,200..." Full Review

- Kim & Lou Braun

"Trupanion is a Truly Great Company"

"I shopped around a lot for pet insurance before we even picked Skip up at the shelter. Whether you get a new dog from a breeder or a rescue you really never know what type of health problems the dog might have so we thought it would be smart to get insurance..." Full Review

- Charlene Davidson

Step 4. Plans & Prices

Two hands holding an apple and orange

Tip: Get multiple quotes to find the best price

Once you have narrowed down your choices and get comfortable with what you're buying it's time to get quotes and compare prices. Depending on your pet's breed and age prices will vary widely so it's important to compare prices from several companies.

Mixed Breed Dog Labrador Retriever English Bulldog
$38/mo. $41/mo. $54/mo.

Each company prices breeds differently based on their underwriting and that's why it's important to compare quotes if you want to get the best price possible.

Source: Pet Insurance Cost

Step 5. Enroll in a Plan

Patriotic French Bulldog

Tip: Don't wait until it's too late!

Don't spend all this time researching and comparing pet insurance without enrolling in a plan! You can't predict your pet's health and pet insurance is the only way to ensure you'll have the funds available if your dog or cat needs serious veterinary care.

Source: Customer Testimonials

More Information

We've spent years evaluating policies, getting to know companies and talking to pet owners, so you can spend hours trying to figure out which companies are the best, or you can take a shortcut and rely on our experience and non-biased, independent expertise

About Us

Dog Insurance

Your pooch is one of a kind, but he likely shares certain health risks with others of his breed. Choose your dog's breed below to see his complete breed health profile. Once you know what health conditions to look out for, you can match a pet insurance plan to meet your dog's specific needs.

Learn More: Dog Insurance

Cat Insurance

Your feline is one of a kind, but she likely shares certain health risks with others of her breed. Choose your cat's breed below to see her complete breed health profile. Once you know what health conditions to look out for, you can match a pet insurance plan to meet your cat's specific needs.

Learn More: Cat Insurance

Wellness Plans

There are 12 companies currently offering pet insurance in the U.S. but only 8 offer pet wellness plans for dogs and cats. In order to be eligible for a wellness / routine care plan, you must enroll in a regular accident and illness policy.

Learn More: Pet Wellness Plans

Compare pet insurance plans

Edited by: Nick Braun

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Recent Reviews

“We submitted over $4k in claims to Healthy Paws and in less than 2 weeks we were reimbursed. So amazing!!!” - Brandon
Pet Insurance Reviews

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Pet Insurance?

Pet insurance pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.

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Compare Plans & Prices From the Top Companies

Healthy Paws Pet InsurancePetplan Pet InsurancePets Best InsuranceEmbrace Pet InsuranceNationwide