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Top 5 Best Pet Insurance


Not all pet insurance companies are created equal. Here is our list of the top 5 best pet insurance.

Rank Company
Rating

 

#1

 

Healthy Paws Pet Insurance

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For pet owners who want the best major medical coverage.

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★★★★★

(5.0)

 

#2

 

Nationwide Pet Insurance

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The most comprehensive coverage in the market today.

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★★★★★

(5.0)

 

#3

 

Embrace Pet Insurance

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Offering the ability to fully customize the perfect plan.

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★★★★★

(4.8)

 

#4

 

Pets Best Insurance

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Great if you want affordable, customized coverage.

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★★★★★

(4.8)

 

#5

 

Petplan Pet Insurance

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Excellent major medical coverage with added bonuses.

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★★★★★

(4.6)

 

Complete List of Companies

 
 

 

#6

 

Trupanion Pet Insurance

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Major medical coverage with custom riders.

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★★★★★

(4.6)

 

#7

 

 

Figo Pet Insurance

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Great option for the tech savvy pet parent.

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★★★★

(4.5)


5-Star Ratings


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

Learn More: Ratings Methodology


 

Company Ratings Overview


Dog celebrating with party hat

Picking the right plan will make you happy!

Each company's rating is based on our comprehensive ratings methodology that includes four categories and 30 attributes.

We spend every day evaluating pet health insurance companies and plans to make sure this information is trusted and accurate.

We don't hide behind an anonymous website, our team is licensed, available and we're leaders in the pet insurance space.


The 4 C's of Pet Insurance


Our pet insurance scores are broken down into four categories: coverage, cost, customer satisfaction and company.

We believe these are the most important categories you should consider when shopping for pet insurance.

And our friends at the Insurance Information Institute and NAPHIA agree. Here is a more detailed breakdown of each category.


Category #1 - Coverage


Puppy tackling a cat

In our opinion, coverage is king.

We feel strongly that coverage is the most important criteria when shopping for pet insurance.

Whether you're shopping for pet insurance, auto insurance or life insurance, coverage is what differentiates companies and policies.

Quality pet insurance policies cover any major health issues your pet may encounter during their lifetime.


Health Issues & Costs

The most common (and most expensive) health issues are orthopedic conditions, hereditary disorders, chronic conditions and emergency care.

To give you a real example of how expensive veterinary care can be we created a sample list of common pet health conditions and the average costs to treat them.

Condition Cost to Treat
Canine Cancer $5,000 to $20,000
Hip Dysplasia $4,000 to $6,000
Elbow Dysplasia $3,000 to $5,000
Cataracts $2,000 to $3,000
Foreign Body Ingestion $200 to $5,000
Progressive Retinal Atrophy $2,000 to $3,000
Aortic Stenosis $3,000 to $6,000
Von Willebrand Disease $500 to $1,000
Ichthyosis $50 to $200 per yr.
Masticatory Muscle Myositis $50 to $100 per mo.
Hypothyroidism $10 to $30 per mo.
Broken Bones $500 to $2,000
Torn Ligaments $3,000 to $10,000
Osteochondrosis $20 to $50 per mo.
Gastric Dilatation-Volvulus $1,500 to $7,500
Portosystemic Shunt $2,000 to $6,000
Entropion $300 to $1,500 
Epilepsy $200 to $15,000
Osteosarcoma $5,000 to $20,000

Source: Dog Health Conditions

The highest rated companies (listed above) provide complete, comprehensive coverage for these health issues without exclusions or hidden payout limits.


What Types of Plans are Available?

There are 12 companies and hundreds of plans to choose to choose from, but don't be intimidated, pet insurance isn't rocket science!

There are three different levels of coverage to choose from:

  • Accident & Illness Policy - These are by far the most popular plans. They account for over 98% of all purchases. An accident & illness policy covers everything but routine care.
  • Accident Only Policy - These plans are cheaper but only cover vet bills related to accidents. We don't recommend these plans because illnesses are more likely and more expensive to treat.
  • Wellness Care Plan - You can add a routine care or wellness plan to a regular pet insurance policy. These plans cover annual visits, spay/neuter, vaccinations, etc. We do not recommend these plans because there isn't much benefit.

Digging into the Details

Each company has different terms and conditions that you should know about. Here are the four most important characteristics to keep an eye on.

  • Annual Limit - This is one of the most important factors when choosing a plan. Make sure the policy has at least a $10,000 annual limit. This will ensure you have enough coverage for major health issues.
  • Coverage - As previously mentioned, we recommend you select an accident & illness policy. Every company offers this type of policy as the default option. They are the most popular, highest rated and provide you the most coverage and best bang for your buck.
  • Waiting Period - Every company has a waiting period, which is the time from the day you enroll to when your coverage period starts.
  • Exclusions - The higher rated companies have very few exclusions (mostly just pre-existing conditions) but not every company is created equal. That is why you want to evaluate company ratings first before selecting a plan. It's never a good idea to pick the cheapest policy, but there are ways to get the right policy and not overpay.


Category #2 - Cost


Dog made of dollar bills

Let's face it, cost always matters.

If a pet insurance plan is too expensive you're not going to buy it.

So the second most important category to consider when shopping for pet insurance is cost.

We don't suggest that you should choose the cheapest plan, but when there is an apples-to-apples comparison, we do suggest you choose the better priced plan.

That's why we created a free, custom quote system so you can compare plans and prices side-by-side.


Sample Costs

Dogs are more expensive than cats and English Bulldogs are more expensive than Mixed Breed Dogs.

The simple fact is that the more prone to health issues your pet is, the more you plan will cost.

The bottom line is that each company rates each breed differently so it's important to compare plans from multiple companies to find the best price.

Here is a sample of average costs for dogs and cats, respectively.


Best Dog Insurance and Cat Insurance

Dog Breeds Cost *
Mixed Breed Dog $38/mo.
Labrador Retriever $44/mo.
Yorkshire Terrier $41/mo.
Golden Retriever $46/mo.
Dachshund $50/mo.
Chihuahua $48/mo.
German Shepherd $49/mo.
Shih Tzu $42/mo.
Boxer $54/mo.
English Bulldog $52/mo.
Avg. for All Dogs $42/mo.
   
Cat Breeds Cost *
Mixed Breed Cat $32/mo.
Domestic Shorthair $34/mo.
American Shorthair $34/mo.
Siamese $36/mo.
Maine Coon $38/mo.
Persian $39/mo.
Ragdoll $33/mo.
Bengal $35/mo.
Russian Blue $39/mo.
Himalayan $38/mo.
Avg. for All Cats $32/mo.

* Average costs for three year-olds


Adjusting the Price of a Plan

Every pet insurance company will allow you to adjust the price of your plan by choosing a custom deductible and custom reimbursement percentage.

This is nice because you can get the company and coverage you want that fits in your budget.

  • Deductible - If you choose a higher deductible you will pay less for pet insurance. Conversely, if you choose a lower deductible you will get more back when you file a claim, but your monthly rates will be higher. Deductibles range from $100 to $1,000 (we recommend $200 or $500 to maximize value).
  • Reimbursement - If you choose a lower reimbursement rate you will pay less each month for a policy because the company will pay less when you claim. And, as common sense will tell you, if you choose a higher reimbursement rate you'll pay more each month. Reimbursement rates range from 60-100% of your actual vet bills (we recommend 80% or 90% reimbursement rates to maximize value).


Category #3 - Customers


Pet Owner Survey

Where the rubber hits the road.

After you enroll it's critical for a pet insurance company to offer excellent customer service.

When your pet needs expensive veterinary treatment you need an insurance provider to be responsive and helpful.

Some companies offer full 24/7 customer service and others will leave you with a static "Contact Us" page that's not very helpful. We factor these elements into the customer service categories for each company.


Customer Reviews

We've collected thousands of pet insurance reviews from dog and cat owners.

Below are some sample testimonials to give you a better sense of the value of quality pet insurance coverage.

Buster & Anna

Buster & Anna, insured by Healthy Paws

"Buster is very active for a Bulldog. I love him dearly and knew that pet insurance was something I wanted him to have. I essentially chose Healthy Paws because..." Full Story

- Anna and Buster

"My husband and I are empty nesters so we decided to rescue a dog after our youngest daughter graduated from college. We ended up getting a 2 year old Labrador retriever named Dunkin..." Full Story

- Liz and Dunkin

"Our dog needed knee surgery after tearing a ligament in his left hind leg. This type of injury is exactly why we purchased pet health insurance. The MRI cost $1,600 and the surgery cost $4,200..." Full Story

- Tommie and Goose

"Our Chihuahua Bella was diagnosed with a luxating patella, which is basically when the kneecap separates from the rest of the knee. She was having difficulty walking and..." Full Story

- Elizabeth and Bella

"Saibra is an amazing search and rescue dog. She loves being outside and has been an invaluable asset to our team here at the Blue Ridge Search and Rescue..." Full Story

- Alexandria and Saibra


Category #4 - Company


The beginning of pet insurance in America

Dr. Jack Stephens, Founder of Pets Best

Brand and culture matter.

The final category that goes into a company's rating is the company itself. The longer they've been around, the better. The bigger they are, the better.

History, leadership and financial stability all matter.

Company 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 companies from the not-so-good.


Additional Information


Looking for Dog Insurance?

Your pooch is one of a kind, but he or she likely shares certain health risks with others of his breed. Every dog breed has unique characteristics. Some breeds are more susceptible to hereditary and congenital health issues than others.

Once you know what health conditions to look out for, you can match a best dog insurance plan to meet your dog's specific needs.

Learn More: Dog Insurance


Looking for Cat Insurance?

Your feline is one of a kind, but she likely shares certain health risks with others of her breed. It's important to know what health issues are specific to your cat's breed so you can prepare.

Once you know what health conditions to look out for, you can match a best cat insurance plan to meet your cat's specific needs.

Learn More: Cat Insurance


Enroll While You're Pet is Healthy

It's important to do your homework and educate yourself about pet insurance. After you do your research it's time to pull the trigger and enroll in a plan.

It's so important to purchase a plan while your pet is healthy to avoid pre-existing conditions exclusions.


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Related Content

 

Edited by: Nick Braun

 

 
 
 

Common Pet Health Problems

 

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