Best Pet Insurance Companies

Are you looking forward to buying insurance for your pets? If so, you will undoubtedly be looking for the best pet insurance companies. This is because the better the company, the better the standard of service you get. 

Best Pet Insurance Companies


This post is the right post to help you make the right decision for your pet. It offers comprehensive information on the best pet insurance companies for you. You’ll undoubtedly tell apart what you want for your pet when you finish this post. 

9 Best Pet Insurance Companies 

Healthy Paws

Acupuncture, chiropractic care, hydrotherapy, physical therapy, laser therapy, and massage therapy usually are not part of most insurance policies.  However, Healthy Paws covers them as long as a competent veterinarian prescribes and performs them.


Healthy Paws only has one accident and illness policy for cats and dogs. You can choose between a $100 and $500 deductible, and there are no per-incident, annual, or lifetime benefit restrictions.

The mobile app for Healthy Paws enables quick claim processing, clearing most claims within two days. If you can’t afford the vet bill upfront, it offers a direct payment option rather than reimbursement.

Healthy Paws is ideal for pets you enroll at a young age. This is because the coverage options and reimbursement rates for elderly pets are more limited.


Spot caters well to pet parents who want coverage that provides them peace of mind about their pet’s health. It is also a terrific choice for senior pets because there are no age limitations.


Spot makes it easy to get the most out of your pet’s coverage. 

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Also, it’s one of the few companies that provide insurance with a full (100%) coverage option. This means you won’t have to make any bill co-payments. Furthermore, the organization offers a low ($100) deductible option, substantially reducing your out-of-pocket healthcare costs.

This is because its rates are already higher than the norm for young dogs. Keep in mind that Spot is a good option if your furry pals are senior.




The majority of your competitors will only cover up to 90% of your costs. Figo distinguishes out as the best pet insurance for reimbursement options. This is because pet owners can choose up to 100% reimbursement and eliminate copayments.


The 100% reimbursement option from FIGO allows pet owners to reduce their copayment to 0%. Meanwhile, other suppliers’ lowest copayment is frequently five percent. 

Figo does not have an annual limit. Still, it does have a lifetime cap or the amount it will compensate throughout your pet’s life.

Pets Best

Pets Best offers accident, illness insurance, and a range of wellness plans to cover your pet’s routine care.

Most insurers need pets to be at least eight weeks old to be insured. However, Pups Best will guarantee puppies as young as seven weeks old. You can cover older pets as well because there is no upper age limit.

Most times, insurance doesn’t usually cover treatments for mobility issues. Nevertheless, when a veterinarian recommends them to treat a covered accident or illness, Pets Best covers wheelchairs and prosthetic devices.

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On the other side, Pets Best has bilateral exclusions. It will not cover a pre-existing condition if it affects the opposite side of your pet’s body. Such conditions include cataracts in one eye, hip dysplasia, or luxating patellas.


Trupanion offers a single policy that covers both cats and dogs. Firstly, it offers the usual benefits like diagnostic tests, surgery, hospitalisation, and prescription medications. Also, coverage extends to alternative treatments, dental illnesses, prosthetic devices, and prescription food.

If your veterinarian uses Trupanion’s direct payment program, you won’t need to file a claim. Trupanion will pay the vet immediately. As a result, pet insurance customers won’t have to worry about making significant upfront payments or filing reimbursement claims.

Trupanion is costly, and its policy alternatives are restricted. The premiums are astronomically high, and there is just one policy option. On the other hand, it has a wide range of coverage. 

Your pet will receive reimbursement of 90 percent of all legitimate claims if you can afford higher-than-average rates. There’ll be no payout limits per incident, year, or lifetime.


Lemonade offers complete accident and illness coverage, including annual examinations, vaccines, and heartworm and parasite tests. Also, there is a preventative care rider available. Additionally, a supplementary rider is available to cover the costs of vet visits and alternative treatments like acupuncture.

For the time being, Lemonade is only available in 36 states. Nevertheless, you may sign up for updates on the company’s website.

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Embrace is willing to cover accidents and sickness for pets up to 15 years old. After that age, you can still obtain insurance, but just for accidents. That’s rare because most insurance companies won’t cover pets past the age of ten.

Embrace does not offer wellness benefits as a stand-alone policy. Instead, pet owners can sign up for the Wellness Rewards program. This program allows them to contribute a certain amount toward the cost of preventive care. 

Lastly, be sure your annual payments are sufficient to cover the anticipated cost of preventative care. This is because unused funds do not carry over to the following year.


Pumpkin offers low-cost plans with the option of adding preventative care packs for young cats and dogs. This offer is only for pets who don’t receive coverage from their regular insurance. The company’s puppy preventive care packs comprise one annual wellness checkup fee, four puppy vaccines, and one yearly fecal test.

Pumpkin will also pay for parasite testing in the lab and other bonuses. However, these Pumpkin Preventive Essentials add-ons aren’t available in all states.

Many Pets

Many Pets offers a single accident and illness policy with the option of a wellness add-on. It provides coverage for expenses for veterinarians, medicine, treatment, surgery, hospitalization, euthanasia, and cremation.

Interestingly, you can skip the 15-day waiting period with Many Pets if another provider previously insured your pet.

Many Pets’ accident and illness coverage are comparable to the other low-cost insurance companies on our list.


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