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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.
For pet owners who want the best major medical coverage.
The most comprehensive coverage in the market today.
Offering the ability to fully customize the perfect plan.
Great if you want affordable, customized coverage.
Excellent major medical coverage with added bonuses.
Major medical coverage with custom riders.
Great option for the tech savvy pet parent.
|★★★★★||Among the best|
|★★★★||Better than most|
Learn More: Ratings Methodology
Company Ratings Overview
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.
Category #1 - Coverage
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
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.
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.|
|Avg. for All Dogs||$42/mo.|
|Cat Breeds||Cost *|
|Mixed Breed Cat||$32/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
Where the rubber hits the road.
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.
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, 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
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.
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.
Edited by: Nick Braun
Pet Insurance Providers and Reviews
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Breed Specific Medical Issues
Common Pet Health Problems
- Von Willebrand Disease In Dogs
- Boxer Colitis
- Dog Hip Replacement Cost
- Hepatic Encephalopathy In Dogs
- Discoid Lupus Dog
- Anal Sac Disease
- Mitral Valve Disease Dogs
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“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 pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.