Here are the top pet insurance companies in the USA in 2024:
These companies were ranked based on a number of factors, including financial strength, customer satisfaction, and coverage options.
Here is a brief overview of each company:
Embrace Pet Insurance
is a popular choice for pet parents because it offers comprehensive coverage at an affordable price. The company also has a good reputation for customer service.
Healthy Paws
is another popular choice for pet parents. The company offers a variety of coverage options, including preventive care, and it has a good reputation for customer service.
Trupanion
is a more expensive option, but it offers some of the best coverage in the industry. The company covers all accidents and illnesses, including pre-existing conditions.
Petplan
is a well-established company that offers a variety of coverage options. The company is also known for its affordable prices.
ASPCA Pet Insurance
is a good option for pet parents who want to support the ASPCA. The company offers comprehensive coverage and a portion of the proceeds from each policy goes to the ASPCA.
Figo
is a newer company, but it has quickly become a popular choice for pet parents. The company offers comprehensive coverage and a variety of payment options.
Pets Best
is a good option for pet parents who are looking for an affordable plan. The company offers a variety of coverage options, including accident-only plans.
Nationwide
is a well-known insurance company that also offers pet insurance. The company offers comprehensive coverage and a variety of payment options.
Spot Pet Insurance
is a newer company that offers a variety of coverage options, including preventive care. The company is also known for its user-friendly website and mobile app.
It is important to compare pet insurance policies before you choose a company. You should consider factors such as the coverage you
Embrace Pet Insurance
Embrace Pet Insurance is a pet health insurance company that was founded in 2011 and is headquartered in Austin, Texas. The company’s mission is to “give pet parents the freedom to prioritize pet health without sacrificing financial well-being.” Embrace offers one simple, yet comprehensive, accident and illness insurance plan for dogs and cats in the United States.
Underwriting: Embrace’s pet insurance plans are underwritten by American Modern Insurance Group, Inc., a leading provider of specialty insurance products. American Modern has an A+ rating from A.M. Best, the leading independent rating agency for the insurance industry.
Coverage: Embrace’s pet insurance plans cover a wide range of accidents and illnesses, including:
- Accidents: Broken bones, poisoning, road accidents, etc.
- Illnesses: Cancer, diabetes, heart disease, etc.
- Preventive care: Wellness exams, vaccinations, and other preventive care.
Embrace Pet Insurance’s plans
- Accident & Illness: This is Embrace’s most comprehensive plan, and it covers a wide range of accidents and illnesses, including:
- Broken bones
- Poisoning
- Road accidents
- Cancer
- Diabetes
- Heart disease
- Wellness exams
- Vaccinations
- Other preventive care
- Accident-Only: This plan covers accidents only, and it does not cover illnesses.
- Wellness: This plan covers wellness exams and vaccinations only. It does not cover accidents or illnesses.
Embrace’s plans are available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
| Plan | Coverage | Deductible | Reimbursement Rate |
|---|---|---|---|
| Accident & Illness | Accidents and illnesses | $250-$1,000 | 70%-90% |
| Accident-Only | Accidents only | $250-$1,000 | 70%-90% |
| Wellness | Wellness exams and vaccinations | $0 | 100% |
Pricing
Embrace’s pet insurance plans are priced based on a number of factors, including the age, breed, and health history of your pet. The company also offers discounts for multiple pets, multi-year plans, and military families.
Customer service
Embrace’s customer service team is available 24/7 to help you with any questions or claims. The company has a 4.5 out of 5 star rating on Trustpilot, based on over 10,000 reviews.
Additional information
Embrace’s website offers a comprehensive blog, a pet insurance calculator, and a customer service hotline.
Conclusion
Embrace Pet Insurance is a reliable and affordable pet health insurance company that offers comprehensive coverage for accidents and illnesses. The company has a strong financial backing and a good reputation for customer service.
Here are some additional details about Embrace Pet Insurance:
- Embrace has been ranked as one of the best pet insurance companies by several independent sources, including Forbes, Consumer Reports, and U.S. News & World Report.
- The company offers a variety of resources to help pet parents learn about pet insurance, including a comprehensive blog, a pet insurance calculator, and a customer service hotline.
- Embrace is committed to giving back to the pet community. The company donates a portion of its profits to animal welfare organizations, and it also offers a matching gift program for its employees.
If you are looking for a pet health insurance company that offers comprehensive coverage, affordable prices, and good customer service, then Embrace Pet Insurance is a good option to consider.
Healthy Paws
Healthy Paws is a pet health insurance company that offers one simple, yet comprehensive, accident and illness insurance plan for dogs and cats in the United States. The company was founded in 2009 and is headquartered in Seattle, Washington.
Plans and services
Healthy Paws offers one plan, which covers accidents and illnesses, including preventive care. The plan is available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- No per-incident or annual caps. Healthy Paws has no per-incident or annual caps on its plans, which means that you can be reimbursed for as much as your pet needs, up to the limits of your plan.
- 100% reimbursement for preventive care. Healthy Paws covers 100% of the cost of preventive care, including wellness exams, vaccinations, and other preventive services.
- Easy claims process. Healthy Paws has a simple and easy claims process. You can submit claims online or through the Healthy Paws mobile app.
- Good customer service. Healthy Paws has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Pricing
Healthy Paws’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Conclusion
Healthy Paws is a reliable and affordable pet health insurance company that offers comprehensive coverage for accidents and illnesses. The company has a strong financial backing and a good reputation for customer service.
Here are some additional details about Healthy Paws
Here are some additional details about Healthy Paws:
- Healthy Paws has been ranked as one of the best pet insurance companies by several independent sources, including Forbes, Consumer Reports, and U.S. News & World Report.
- The company offers a variety of resources to help pet parents learn about pet insurance, including a comprehensive blog, a pet insurance calculator, and a customer service hotline.
- Healthy Paws is committed to giving back to the pet community. The company donates a portion of its profits to animal welfare organizations, and it also offers a matching gift program for its employees.
If you are looking for a pet health insurance company that offers comprehensive coverage, affordable prices, and good customer service, then Healthy Paws is a good option to consider.
Trupanion
Trupanion is a pet health insurance company that offers one simple, yet comprehensive, accident and illness insurance plan for dogs and cats in the United States, Canada, Europe, Puerto Rico, and Australia. The company was founded in 1999 and is headquartered in Seattle, Washington.
Plans and services
Trupanion offers one plan, which covers accidents and illnesses, including preventive care. The plan is available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- Unlimited payouts. Trupanion has unlimited payouts, which means that you can be reimbursed for as much as your pet needs, regardless of the cost.
- No per-incident or annual caps. Trupanion has no per-incident or annual caps on its plans, which means that you can be reimbursed for as much as your pet needs, up to the limits of your plan.
- 100% reimbursement for preventive care. Trupanion covers 100% of the cost of preventive care, including wellness exams, vaccinations, and other preventive services.
- Easy claims process. Trupanion has a simple and easy claims process. You can submit claims online or through the Trupanion mobile app.
- Good customer service. Trupanion has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Pricing
Trupanion’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Conclusion
Trupanion is a reliable and affordable pet health insurance company that offers comprehensive coverage for accidents and illnesses. The company has a strong financial backing and a good reputation for customer service.
Here are some additional details about Trupanion:
- Trupanion has been ranked as one of the best pet insurance companies by several independent sources, including Forbes, Consumer Reports, and U.S. News & World Report.
- The company offers a variety of resources to help pet parents learn about pet insurance, including a comprehensive blog, a pet insurance calculator, and a customer service hotline.
- Trupanion is committed to giving back to the pet community. The company donates a portion of its profits to animal welfare organizations, and it also offers a matching gift program for its employees.
Some key differences between Trupanion and Healthy Paws
- Trupanion has unlimited payouts, while Healthy Paws has per-incident and annual caps.
- Trupanion covers 100% of the cost of preventive care, while Healthy Paws only covers 70%.
- Trupanion’s pricing is based on your pet’s age, breed, and health history, while Healthy Paws’s pricing is based on your pet’s age and breed.
Fetch
Fetch is a pet health insurance company that offers one simple, yet comprehensive, accident and illness insurance plan for dogs and cats in the United States and Canada. The company was founded in 2017 and is headquartered in New York City.
Plans and services
Fetch offers one plan, which covers accidents and illnesses, including preventive care. The plan is available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- No per-incident or annual caps. Fetch has no per-incident or annual caps on its plans, which means that you can be reimbursed for as much as your pet needs, up to the limits of your plan.
- 100% reimbursement for preventive care. Fetch covers 100% of the cost of preventive care, including wellness exams, vaccinations, and other preventive services.
- Easy claims process. Fetch has a simple and easy claims process. You can submit claims online or through the Fetch mobile app.
- Good customer service. Fetch has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Pricing
Fetch’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Conclusion
Fetch is a reliable and affordable pet health insurance company that offers comprehensive coverage for accidents and illnesses. The company has a good reputation for customer service.
Here are some additional details about Fetch:
- Fetch has been ranked as one of the best pet insurance companies by several independent sources, including Forbes, Consumer Reports, and U.S. News & World Report.
- The company offers a variety of resources to help pet parents learn about pet insurance, including a comprehensive blog, a pet insurance calculator, and a customer service hotline.
- Fetch is committed to giving back to the pet community. The company donates a portion of its profits to animal welfare organizations, and it also offers a matching gift program for its employees.
Some key differences between Fetch and other pet insurance companies
- Fetch offers a single plan, while some other companies offer a variety of plans with different levels of coverage.
- Fetch has a good reputation for customer service.
- Fetch is a newer company, so it may not have the same financial backing as some other companies.
ASPCA Pet Insurance
ASPCA Pet Insurance is a pet health insurance company that offers one simple, yet comprehensive, accident and illness insurance plan for dogs and cats in the United States. The company was founded in 2006 and is headquartered in New York City.
Plans and services
ASPCA Pet Insurance offers one plan, which covers accidents and illnesses, including preventive care. The plan is available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- 100% reimbursement for preventive care. ASPCA Pet Insurance covers 100% of the cost of preventive care, including wellness exams, vaccinations, and other preventive services.
- Good customer service. ASPCA Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
- Easy claims process. ASPCA Pet Insurance has a simple and easy claims process. You can submit claims online or through the ASPCA Pet Insurance mobile app.
Pricing
ASPCA Pet Insurance’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Pros & Cons
Pros:
- 100% reimbursement for preventive care. This is a major pro for ASPCA Pet Insurance, as many other companies only cover a portion of the cost of preventive care.
- Good customer service. ASPCA Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
- Easy claims process. ASPCA Pet Insurance has a simple and easy claims process. You can submit claims online or through the ASPCA Pet Insurance mobile app.
- Nonprofit organization. ASPCA Pet Insurance is a nonprofit organization, so some of the proceeds from your premiums go to support the ASPCA’s mission to prevent cruelty to animals.
Cons:
- Limited plan options. ASPCA Pet Insurance only offers one plan, which may not be enough for some pet parents.
- Higher premiums. ASPCA Pet Insurance’s premiums may be higher than some other companies.
- Not available in all states. ASPCA Pet Insurance is not available in all states.
Conclusion
ASPCA Pet Insurance is a reliable and affordable pet health insurance company that offers comprehensive coverage for accidents and illnesses. The company has a good reputation for customer service.
Here are some additional details about ASPCA Pet Insurance:
- ASPCA Pet Insurance has been ranked as one of the best pet insurance companies by several independent sources, including Forbes, Consumer Reports, and U.S. News & World Report.
- The company offers a variety of resources to help pet parents learn about pet insurance, including a comprehensive blog, a pet insurance calculator, and a customer service hotline.
- ASPCA Pet Insurance is committed to giving back to the pet community. The company donates a portion of its profits to the ASPCA, and it also offers a matching gift program for its employees.
Some key differences between ASPCA Pet Insurance and other pet insurance companies
- ASPCA Pet Insurance covers 100% of the cost of preventive care, while some other companies only cover a portion.
- ASPCA Pet Insurance has a good reputation for customer service.
- ASPCA Pet Insurance is a nonprofit organization, so some of the proceeds from your premiums go to support the ASPCA’s mission to prevent cruelty to animals.
Plans and services
Figo Pet Insurance offers one simple, yet comprehensive, accident and illness insurance plan for dogs and cats in the United States. The plan is available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- No per-incident or annual caps. Figo has no per-incident or annual caps on its plans, which means that you can be reimbursed for as much as your pet needs, up to the limits of your plan.
- 100% reimbursement for preventive care. Figo covers 100% of the cost of preventive care, including wellness exams, vaccinations, and other preventive services.
- Easy claims process. Figo has a simple and easy claims process. You can submit claims online or through the Figo mobile app.
- Good customer service. Figo has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Pricing
Figo’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Pros & Cons
Pros:
- No per-incident or annual caps. This is a major pro for Figo Pet Insurance, as many other companies have per-incident or annual caps on their plans.
- 100% reimbursement for preventive care. This is another major pro for Figo Pet Insurance, as many other companies only cover a portion of the cost of preventive care.
- Easy claims process. Figo has a simple and easy claims process. You can submit claims online or through the Figo mobile app.
- Good customer service. Figo has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Cons:
- Higher premiums. Figo Pet Insurance’s premiums may be higher than some other companies.
- Not available in all states. Figo Pet Insurance is not available in all states.
- Some users have reported difficulty with the claims process. Some users have reported that it can be difficult to get Figo to process claims, and that the company may require additional documentation or information before approving a claim.
Pets Best
Plans and services
Pets Best Pet Insurance offers a variety of plans for dogs and cats in the United States, including accident-only plans, illness-only plans, and accident and illness plans. The plans are available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military
Key features
- Accident and illness coverage. Pets Best Pet Insurance offers accident and illness coverage for dogs and cats. This means that you can be reimbursed for the cost of veterinary care for accidents and illnesses, up to the limits of your plan.
- Preventive care coverage. Pets Best Pet Insurance offers preventive care coverage for dogs and cats. This means that you can be reimbursed for the cost of routine veterinary care, such as wellness exams, vaccinations, and other preventive services.
- Easy claims process. Pets Best Pet Insurance has a simple and easy claims process. You can submit claims online or through the Pets Best mobile app.
- Good customer service. Pets Best Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Pricing
Pets Best Pet Insurance’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Pros & Cons
Pros:
- Wide range of plans. Pets Best Pet Insurance offers a wide range of plans to fit the needs of all pet parents.
- Good customer service. Pets Best Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
- Easy claims process. Pets Best Pet Insurance has a simple and easy claims process. You can submit claims online or through the Pets Best mobile app.
Cons:
- Higher premiums. Pets Best Pet Insurance’s premiums may be higher than some other companies.
- Not available in all states. Pets Best Pet Insurance is not available in all states.
- Some users have reported difficulty with the claims process. Some users have reported that it can be difficult to get Pets Best to process claims, and that the company may require additional documentation or information before approving a claim.
Nationwide
Plans and services
Nationwide Pet Insurance offers a variety of plans for dogs and cats in the United States, including accident-only plans, illness-only plans, and accident and illness plans. The plans are available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- Accident and illness coverage. Nationwide Pet Insurance offers accident and illness coverage for dogs and cats. This means that you can be reimbursed for the cost of veterinary care for accidents and illnesses, up to the limits of your plan.
- Preventive care coverage. Nationwide Pet Insurance offers preventive care coverage for dogs and cats. This means that you can be reimbursed for the cost of routine veterinary care, such as wellness exams, vaccinations, and other preventive services.
- Easy claims process. Nationwide Pet Insurance has a simple and easy claims process. You can submit claims online or through the Nationwide mobile app.
- Good customer service. Nationwide Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
Pricing
Nationwide Pet Insurance’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Pros & Cons
Pros:
- Wide range of plans. Nationwide Pet Insurance offers a wide range of plans to fit the needs of all pet parents.
- Good customer service. Nationwide Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
- Easy claims process. Nationwide Pet Insurance has a simple and easy claims process. You can submit claims online or through the Nationwide mobile app.
- Financial strength. Nationwide is a well-established company with a strong financial foundation.
Cons:
- Higher premiums. Nationwide Pet Insurance’s premiums may be higher than some other companies.
- Not available in all states. Nationwide Pet Insurance is not available in all states.
- Some users have reported difficulty with the claims process. Some users have reported that it can be difficult to get Nationwide to process claims, and that the company may require additional documentation or information before approving a claim.
Spot Pet Insurance
Plans and services
Nationwide Pet Insurance offers a variety of plans for dogs and cats in the United States, including accident-only plans, illness-only plans, and accident and illness plans. The plans are available in a variety of deductibles and reimbursement rates, so you can choose a plan that fits your budget and your pet’s needs. The company also offers discounts for multiple pets, multi-year plans, and military families.
Key features
- Accident and illness coverage. Nationwide Pet Insurance offers accident and illness coverage for dogs and cats. This means that you can be reimbursed for the cost of veterinary care for accidents and illnesses, up to the limits of your plan.
- Preventive care coverage. Nationwide Pet Insurance offers preventive care coverage for dogs and cats. This means that you can be reimbursed for the cost of routine veterinary care, such as wellness exams, vaccinations, and other preventive services.
- Easy claims process. Nationwide Pet Insurance has a simple and easy claims process. You can submit claims online or through the Nationwide mobile app.
- Good customer service. Nationwide Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
- Financial strength. Nationwide is a well-established company with a strong financial foundation.
Pricing
Nationwide Pet Insurance’s pricing is based on a number of factors, including your pet’s age, breed, and health history. The company also offers discounts for multiple pets, multi-year plans, and military families.
Pros & Cons
Pros:
- Wide range of plans. Nationwide Pet Insurance offers a wide range of plans to fit the needs of all pet parents.
- Good customer service. Nationwide Pet Insurance has a good reputation for customer service. The company’s customer service team is available 24/7 to help you with any questions or claims.
- Easy claims process. Nationwide Pet Insurance has a simple and easy claims process. You can submit claims online or through the Nationwide mobile app.
- Financial strength. Nationwide is a well-established company with a strong financial foundation.
Cons:
- Higher premiums. Nationwide Pet Insurance’s premiums may be higher than some other companies.
- Not available in all states. Nationwide Pet Insurance is not available in all states.
- Some users have reported difficulty with the claims process. Some users have reported that it can be difficult to get Nationwide to process claims, and that the company may require additional documentation or information before approving a claim.
- Some plans have per-incident and annual caps. Some of Nationwide Pet Insurance’s plans have per-incident and annual caps, which means that you may not be reimbursed for the full cost of your pet’s care.
Thank You for discovering Top Pet Insurance Companies with us!