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Ratings Overview


Instead of guessing what you wanted, we developed a survey asking pet parents what was most important to them when shopping for pet insurance. We took the results of that survey and created a 30-point rating system with four major categories so you can rank companies based on the most important factors.

  • Coverage
  • Price
  • Reviews
  • Business


We evaluate each category for each provider and then create an average score to make it easier for you to compare plans. This scoring system is how we come up with the rankings of the best pet insurance plans in America. We update it on a regular basis to ensure the information is up-to-date and accurate.

1. Coverage

Coverage is king. Whether you're shopping for pet insurance, auto insurance or life insurance, coverage is what differentiates insurance policies. The key to quality pet insurance coverage is a policy that includes all the major health issues your pet may encounter. The most common (and most expensive) health issues are orthopedic conditions, hereditary disorders, chronic conditions and emergency care. The highest rated companies provide complete, comprehensive coverage for these health issues without exclusions or hidden payout limits.

Emergency Care
Orthopedic Conditions
Hereditary Disorders
Prescription Meds
Congenital Conditions
Payout Limits
Chronic Conditions
Dental Coverage
Wellness Care
Alternative Therapies
Veterinary Network
Claims Processing

Note: No pet insurance plan covers pre-existing conditions

2. Price

Just like any insurance product, cost matters. Although it's not wise to choose a plan based solely on price, on an apples-to-apples comparison the cost of a plan matters. Let's face it - if a plan is too expensive for your budget it's not a fit. That's why we created a free, custom quote system so you can compare plans and prices side-by-side.

Base Premium
Annual Increases


3. Reviews

After you enroll it's critical for a pet insurance plan to offer excellent customer service. When your pet needs expensive veterinary care you want your insurance provider to be responsive and helpful. At the end of the day you just want to be treated well and have your claims paid.

Customer Reviews
Expert Reviews
Waiting Periods
Ease of Enrollment


4. Business

The final category that goes into a rating is the business itself. The longer they've been around, the better. The bigger they are, the better. History, leadership and financial stability all matter. These attributes are very important, and often forgotten when looking at coverage, price and service, but it's still a major factor that truly separates the good providers from the not-so-good.

Policy Options



We're different because we're licensed, accredited and we do our homework. A lot of websites and "experts" claim to offer real advice, but the fact is we're the only licensed pet insurance agency in America. You can visit other websites and get opinions online, but nobody knows pet insurance like we do. Period.

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Common Pet Health Problems

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Magruff's Story

“Our pet insurance plan saved us $4,300 when our dog Magruff needed hip surgery.” - Lou & Kim
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