Pet Insurance Reviews
Finding the right pet insurance is complicated. There are important differences to consider when you’re looking for affordable pet insurance. This page will be your guide to discovering those differences, and our reviews will give you all the info you need before you request a pet insurance quote.
We’ve reviewed dozens of companies and base our rankings on thousands of reviews from people like you, and our own experience.
Our list is not a paid endorsement (you’d be surprised how many websites are). We genuinely believe the companies we recommend really care about your pet’s wellbeing. And as pet parents ourselves, we love referring our visitors to awesome companies with affordable pet insurance.
Table of Contents
At a Glance
Before You Enroll
The 4 Best Pet Insurance Companies
Common Coverage and Cost
At a Glance
|Company||Average Price||Deductible Range||Reimbursement Rates||Max Coverage||Waiting Period||Ways to Claim||Response Time|
|Dog - $32|
Cat - $17
|70-90%||Unlimited||Accident - 2 weeks|
Illness - 2 weeks
|Dog - $59|
Cat - $32
300, 500, 1000
|90%||Unlimited||Accident - 5 days|
Illness - 30 days
|Dog - $13|
Cat - $8
300, 500, 1000
|65-90%||$5,000 - |
|Accident - 2 weeks|
Illness - 2 weeks
|Dog - $52|
Cat - $28
|Accident - 5 days|
Illness - 14 days
Before You Enroll
It’s important to know what you’re looking for before getting a pet insurance quote. Of course, staying within your monthly budget is the biggest concern. But there are other things to consider when checking out pet insurance reviews.
First, there are three different levels of coverage to choose from:
- Accident and Illness Coverage are the most popular plans. They account for over 90% of all pet insurance plans and cover everything except routine care.
- Wellness Care Coverage adds routine care to a pet insurance policy. Wellness plans cover annual visits, spay/neuter, vaccinations, etc.
- Accident-Only Coverage is barebone coverage for vet bills related to accidents only – not illness. We don’t recommend these plans because illnesses are more common and more expensive to treat.
Each plan has different terms and conditions. The key to a great pet insurance experience is to know what you’re buying. Here are a few things to look for:
- Cost – If you can’t afford top tier insurance for your pet, find the second-best option that fits in your budget. Chances are, it will still cover nearly all your pet’s medical bills in an emergency. So, sit down with a pen and paper and figure out your monthly expenses. That way, you’ll know your monthly budget before you read pet insurance reviews and compare quotes.
- Deductible – The higher your deductible, the lower your monthly premiums. If something happens and you need emergency care for your pet, are you willing to dish out $1,000 before insurance kicks in? We suggest a deductible around $200-$500 if you want to maximize the value of your plan.
- Addons – Most pet insurance companies only reimburse you for unexpected accidents and illnesses. But some let you add a wellness plan that covers routine care as well. If you have a puppy or kitten, this might be worth looking into, so you’re not stuck with a vet bill for the first year of care. They can also cover oddball things like prosthetics, behavioral therapy, and more.
- Exclusions– The higher-rated plans have very few exclusions – mostly just pre-existing conditions. But almost all companies exclude coverage for hereditary and congenital conditions. King Charles Spaniels, for example, are notorious for heart mitral valve disease (MVD). A standard pet insurance plan might exclude MVD coverage. However, some companies let you buy additional coverage for known issues.
Frankly, we suggest looking into addons if you have a breed with a known medical issue. The insurance business is based on probability. Companies keep the doors open by paying out less than they take in. If you know your pet will likely deal with a specific medical issue, try to get it covered. That way you’re not stuck with a medical bill for an issue you saw coming.
List of Top Pet Insurance Companies
We compared pet insurance quotes from nearly every company, checked out reviews, and considered how affordable plans are. Healthy Paws fur-st choice for the best value on the market.
Something you never want to worry about is coverage running out. With Healthy Paws, you don’t need to. They have unlimited per incident, annual, and lifetime coverage. Think about that. When you’re worried about your pet’s health, Healthy Paws is in your corner, making sure your pet gets the best care available.
Not only do they make sure you’re covered, but Healthy Paws is by far the most user-friendly pet insurance company we’ve come across. They even have a mobile app you can use to submit claims and get paid in as little as 3 days.
Here are some of their best features:
- Unlimited There is no per incident, annual, or lifetime caps.
- Adjust the deductible so you can afford pet insurance on nearly any budget.
- File a claim 24/7 with their mobile app.
- Reimbursement is directly deposited into your bank account in 3 days.
Not only do they offer flexible plans, but their customer service is second to none. Just do a little research. They have speedy payouts, and they even follow-up to make sure your everyone is recovering well after a traumatic vet visit. Healthy Paws is a company that goes the extra step.
Ok, enough gawking over their excellent customer service. What do they offer?
The average cost to insure a healthy dog with a $500 deductible and 70% reimbursement and no maximum payout is around $32 per month.
The average cost to insure a healthy cat with a $500 deductible and 70% reimbursement and no maximum payout is around $17 per month.
Of course, the monthly premiums vary. But generally, the sooner you enroll, the more affordable the coverage.
The Bottom Line on Healthy Paws
Healthy Paws was started by passionate pet parents. They offer some of the very best coverage options for comprehensive and affordable pet insurance that won’t break the bank. Request a quote to see what it costs to have them in your corner when you need them most.
Coming in at a very close second is Trupanion.
Reliability is big for us. We love companies that love our pets. And Trupanion is one of them. Just like Healthy Paws, they have unlimited coverage.
Even better, Trupanion pays your vet bill directly.
Let me reiterate that because it really is unique in this industry. Trupanion will not make you pay the vet bill first and be reimbursed later. They will cover 90% of your vet bill upfront, and you’re only responsible for the remaining 10%.
Let’s get into what we love about Trupanion:
- 90% reimbursement rate for minimal financial risk.
- Trupanion will pay medical bills directly.
- Easy to use online portal to file claims.
- No coverage limits.
The major drawback of Trupanion is the lack of customization. They essentially have only one plan with no room to customize the coverage to fit within a tight budget.
The average cost to insure a healthy dog with a $0 deductible and 90% reimbursement and no maximum payout is around $59 per month.
The average cost to insure a healthy cat with a $0 deductible and 90% reimbursement and no maximum payout is around $32 per month.
Every Trupanion plan has a 90% reimbursement rate, 0$ deductible, and unlimited coverage. Framing that as a negative feels just as weird for me to type, as it is for you to read.
Honestly, Trupanion is the luxury car of pet insurance. While it isn’t affordable for everyone, those who can make Trupanion work will not have much to worry about in an emergency.
The Bottom Line on Trupanion
Trupanion is like the Tesla of pet insurance. You’ll pay more for it than a similar product with another company, and there is no option to modify anything. But Trupanion offers a world-class experience that is worth every dollar if you can fit it into your budget.
Sometimes a company steps out of their comfort zone to make up for their shortcomings. Embrace certainly does. Looking at the standard pet insurance coverage, Embrace doesn’t offer anything outstanding. Where they really shine is the add-on options and their customer service.
While most insurance companies focus on regular vet bills, Embrace offers add-on coverage for things like behavioral therapy and prosthetics.
Embrace takes a complete approach to pet health by covering behavioral therapy. They see the side of your dog that you see – the lovable fluff ball that loves to beg for your pizza crust. But sometimes your pet can have an aggressive side. The bad behavior could have been picked up at an animal shelter or the dog park. Either way, Embrace offers you peace-of-mind.
And while you never want to think you’ll need it – prosthetic coverage is an excellent addition to any plan.
Your pet can be rambunctious. Sometimes they can get out of the yard and get into traffic or have a medical issue that requires amputation. If that does happen, Embrace Pet Insurance is there to ease their burden and help your pet maintain mobility.
Here are a few of the things we like about Embrace Pet Insurance:
- Prosthetic, behavioral, and alternative treatment coverage.
- Prescription drug and food coverage.
- Up to 90% reimbursement.
- Completely adjustable deductibles
- Great customer service
Embrace Pet Insurance is perfect for any budget. They give you complete control over the amount of coverage for your pet so you can play around with options to find a plan that works for you.
However, when it comes to premium level plans, Embrace tends to be more expensive compared to some other options. But affordable pet insurance is their strength.
The average cost to insure a healthy dog with a $1,000 deductible and 70% reimbursement, and a benefit cap of $5,000 is around $13 per month.
The average cost to insure a healthy cat with a $1,000 deductible and 70% reimbursement, and a benefit cap of $5,000 is around $8 per month.
The prices are affordable, but the coverage isn’t exactly great. Embrace Pet Insurance is perfect for you if you are a new pet parent and want to make sure you’re covered in an emergency.
The Bottom Line on Embrace
When it comes to the meat and potatoes of pet insurance, Embrace is a less than stellar option. But their unique add-on options make them a great choice for some pet parents. Where they really shine is the ability to offer basement level pricing for entry-level coverage. Pair the affordability with the behavioral add-on option – and Embrace Pet Insurance is perfect for young pets and new pet owners.
Figo is pet insurance made for the 21st century. With support backed by the cloud, Figo makes getting coverage and submitting claims easier than ever.
Their forward-thinking doesn’t stop with backend security. They are also redefining what ‘complete coverage’ means.
In addition to offering fully customizable pet insurance plans, they cover the cost associated with lost pet advertisements and rewards, vacation cancelation costs, and breed-specific medical costs. Talk about raising the bar!
Here are some of the other highlights from this innovative company:
- Hereditary and congenital coverage (this is a big one)
- 100% reimbursement
- If your pet is receiving life-saving care, they can waive the deductible.
- A community platform to connect with local groups, stores, and vet offices.
Here is a word of warning, though – Figo offers some of the most comprehensive pet insurance on the market, but only at the best tiers. And even their non-premium coverage can be pricey.
They have three benefit limits to choose from: $10,000, $14,000, and unlimited.
With rising veterinary medical costs and the full range of coverage with Figo, the most value per dollar is found in the most expensive plans.
The average cost to insure a healthy dog with a $50 deductible and 70% reimbursement, and a benefit cap of $10,000 is around $52 per month.
The average cost to insure a healthy cat with a $50 deductible and 70% reimbursement, and a benefit cap of $10,000 is around $28 per month.
Again, their plans are adjustable. In the example above, you could find that a $500 deductible $14,000 coverage limit is more in line with your budget.
But the things Figo is willing to cover, especially at the higher price points, make their insurance coverage a strong option in the market.
The Bottom Line on Figo
Insurance is an old business without much change. Figo is shaking things up by covering unconventional costs associated with being a modern pet owner. At the lower tiers, there are better options for pet insurance (check out Embrace). But if you’re willing to shell out a few extra dollars to cover anything life throws at you, Figo is an innovative company that has thought of nearly everything.
Common Coverage and Cost
If you’re like most people, you think your pet won’t get sick or injured anytime soon. The most common objection to pet insurance is, “I don’t need it; my pet is healthy.”
Every six seconds, a pet owner is faced with a vet bill over $3,000. If you read enough pet insurance reviews, you’ll see the horror stories of unlucky owners.
We get requests every day from pet owners who want to enroll in a plan because their furry friend needs expensive surgery or long-term medications. Unfortunately, if your pet needs expensive treatment, it’s already too late. That’s why we suggest you enroll while your pet is healthy.
Common Health Issues and Average Costs
The most common and most expensive health issues are hereditary disorders, chronic conditions, orthopedic conditions, and emergency care. To give you an idea of how pricey veterinary care is, we created a shortlist of common medical issues and the average cost of treatment.
Sample Conditions and Avg. Costs of Treatment
- Canine Cancer: up to $20,000
- Hip Dysplasia: up to $6,000
- Elbow Dysplasia: up to $5,000
- Cataracts: up to $3,000
- Foreign Body Ingestion: up to $5,000
Veterinary costs add up quickly. The good news is that the plans we recommend provide comprehensive coverage without exclusions or payout limits. To avoid unexpected vet bills, make sure your family is covered.
What’s the Verdict?
Pet insurance quotes come in all shapes and sizes.
We researched dozens of companies and compared hundreds of quotes to write this article for you. The companies that made it to this list stood out for one reason or another. Whether it was an impressive reputation, low prices, and complete coverage of a company like Healthy Paws – or the unique coverage and world-class customer service of Figo – our goal is to share the most exciting finds with you.
Here is a general disclaimer: pet insurance quotes are highly variable. Breed, age, location, type of plan, and more, factor into a pet insurance quote. These pet insurance reviews are meant to be a general-purpose guide to helping you pick the coverage that is right for your pet and fits within your budget.
We know the hunt for the perfect company can be daunting. But we hope these pet insurance reviews are helpful to your search.
After reading this, you should have a good idea of the different types of coverage offered.
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