2021's Best Pet Insurance: Coverage, Limitations, Pricing, Reviews

Have you been looking for the best pet insurance for your fur baby? Picking the right policy and provider can be difficult, that’s why we’ve created a comprehensive analysis based on:

  • Pros & Cons
  • Pricing & Plans
  • Coverage & Exclusions
  • How To Choose The Right Plan
  • Online Reputation & Customer Ratings


Best Pet Insurance Companies In 2021

1. Figo Pet Insurance

Excellent reputation

Highly customizable plans

Waiting periods for different coverage (3 days, 14 days, 6 months)

Best Overall Pet Insurance Company

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Figo Pet is accredited with the Better Business Bureau and has a B+ BBB rating. It offers three different plans for you to pick from. It is largely regarded as one of the best dog insurance options available. Its plans are flexible and accommodate all budgets. You’ll also enjoy a 10% discount on every additional pet you cover. Still not sure? Give it a try and take advantage of its 30-day money-back guarantee if you aren’t satisfied.

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2. Healthy Paws

30-day money-back guarantee

No annual or lifetime maximum limits

Customer support with extended business hours

Best Pet Insurance For Cats

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Healthy Paws has an impressive A+ BBB rating and various deductible and reimbursement options. Its pricing structure is easy to understand and its online portal is incredibly user-friendly. What really makes it stand out are its extended customer support hours, lifetime coverage, a 30-day money-back guarantee, and the fact that this is a pet insurance company that pays the vet directly.

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3. Pet Assure

No waiting periods

Minimal exclusions

45-day money-back guarantee

Best Option For Owners Of Sickly Pets

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The A+ BBB rated company provides animal insurance for every kind of animal, from birds to skunks and from horses to pot-bellied pigs. Also, the more animals you choose to sign up for this discount policy, the less you’ll pay per month. There are no waiting periods and limited exclusions - what’s not to love?

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4. Embrace Pet Insurance

Extensive discounts offered

Quick claims processing and paying

$50 off deductible for every claim-free year

Best Choice For Routine Care For Both Cats & Dogs

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This A+ BBB rated company has a great reputation and wonderful customer support. It offers numerous deductible and reimbursement options so you can customize your pet’s plan to your liking. There are no lifetime limits, and claims are processed promptly and properly with most being paid within 15 business days. A generous discount policy and a 30-day money-back guarantee seal the deal on this pet insurance provider.

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5. Pets Best

A range of plans available

Short hip dysplasia waiting period (14 days)

5% discount for military and multiple pets

Best For Those On Tight Budget

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Pets Best has an A+ BBB rating, delivers fantastic customer support through a multitude of channels, and offers the best affordable pet insurance available. There are no upper age limits and no lifetime limits on any of the numerous plans. You can submit claims online and there’s a direct deposit option too. Its 5% multi-pet discount and 30-day money-back guarantee also make this an attractive option.

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6. Eusoh

No upper or lower age limits for cats or dogs

Peer-to-peer sharing business model

No set monthly premiums

Most Flexible Payment Options

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Eusoh has only been around since 2017, so it’s still finding its place amongst the top pet insurance companies. Still, the company has a BBB rating of B+ and positive customer reviews. Through its community-based funding structure, everything from cancer to surgery is covered. You don’t have to pay set monthly fees, but instead, rest easy knowing you’ll never pay more than $65.

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7. Trupanion

No annual limits

One simple plan offered

Flexible treatment options incl naturopathy and homeopathy

Best Pet Insurance For Homeopathy & Naturopathy Coverage

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This A+ BBB rated company has a fantastic reputation - and for good reason! Its Pet Owner Assistance Add-On package is nothing short of innovative. While it is more expensive than other options if you don’t feel as though you’re getting your money’s worth, take advantage of its 30-day money-back guarantee.

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8. Nationwide

5-15 days average claims payment

Covers an assortment of animals

24/7 customer service

Best Exotic Pet Insurance Provider

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Nationwide is a popular plan for exotic pet owners since it’s one of the few animal insurance providers who cover anything other than cats and dogs. Industry-standard discounts, an A+ BBB rating, affordable monthly premiums, and a comprehensive coverage list all add to its popularity. It has a 10-day money-back guarantee if you’re unsure.

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Emergency hotline

180-day pre-existing condition classification

14-day waiting period for hip dysplasia and cruciate ligament events

Best Pet Insurance For Multiple Pets


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Its 10% per-pet discount and seamless administrative process make ASPCA a wonderful option for pet parents who have more than one fur baby. The A+ BBB rated company has a proven track record and a well-deserved reputation, and its pet insurance ratings are very high. It has a 14-day waiting period for everything, an emergency hotline for pre-authorization, responsive customer support, and a 30-day money-back guarantee.

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10. PetFirst

Variety of plans

Extended customer service hours

Accidents are covered within 24 hours of enrolment

Best Pet Insurance Provider For Accidents

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This BBB-accredited company boasts an A+ rating with BBB. It has various plans to pick from, a 24-hour waiting period for accidents and a 14-day waiting period for illnesses and hip dysplasia. Its customer service team is available during extended business hours. This pet insurance company also offers various discount options that make premium care accessible to all. Sealing the deal is a 14-day money-back guarantee.

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11. Petplan

24/7 customer service

30-day money-back guarantee

Curable pre-existing conditions covered after 365 days

Best Value Pet Insurance Provider

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Petplan is an A+ BBB rated company with a great reputation. It offers an assortment of premium pet insurance plans to cat and dog owners alike. What’s most impressive about Petplan is that after 365 days curable pre-existing conditions are covered. Its 24/7 customer service, intuitive online platform, and claims-submitting app are great additions to an already generous policy offering.

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How We Created This List - Our Methodology

We made numerous pet insurance comparisons in order to compile a list of 15 best pet insurance providers. We scoured websites, pored over company history, and analyzed customer reviews. Numerous factors were considered including the following:

✓ Reputation

Only pet insurance companies with the very best reputations have found a spot on our list. We also considered company history and how long the company in question has spent building up its reputation.

✓ Price

While our list covers a range from the cheapest pet insurance policy up to the most expensive, all of the options on our list are reasonable and the pricing of certain plans aligns with the level of coverage offered.  

✓ Accepted Pets

At the very least all of the companies on our list offer coverage to pets in general and exclusively for dogs. A handful of them offer animal insurance for exotic pets including the likes of iguanas and pot-bellied pigs!  

✓ Inclusions

All the companies we have chosen have a list of inclusions that are actually worth paying for. Some of them offer pet insurance that covers pre-existing conditions.  

✓ Exclusions

As you’ll learn later on, most companies exclude the same line items in their policies. We’ve only included those that have a fair and reasonable list of exclusions such as the costs related to breeding, grooming, and feeding. You’ll also be hard-pressed to find pet insurance that covers spaying.

✓ Customer Service

Customer service is always important, and the companies that made it on our list either have great customer service agents, have various customer service channels or operate during extended business hours.

At a Glance

  • Highly customizable plans
  • Different waiting periods for different coverage (3 days, 14 days and 6 months)
  • Established company with an excellent reputation
  • Provides both cat and dog insurance
  • 30-day money-back guarantee
  • Multiple-pet discount
  • 7-day waiting period for pre-authorization for certain procedures
  • One-time administration fee charged in some states
  • No preventative care (not even as an add-on!)


Figo Pet was officially established in 2013 and has earned a reputation as one of the very best pet health insurance providers available today. The award-winning company offers three different plans:

  • illness plan
  • injury plan
  • unlimited lifetime benefit plan

All plans cover the same ailments and treatments, including chronic conditions, behavioral issues, hospitalization and testing, and more.

Figo Pet pet insurance excludes a number of conditions: preventive care, pregnancy, pre-existing conditions, vaccinations, neutering or spaying, cloning, cosmetic procedures, and experimental procedures.

The waiting periods differ according to the condition:

  • 3 days for accidents
  • 14-day waiting period for illness coverage
  • 6 months for knee injuries and hip dysplasia

Pick a reimbursement level of 70%, 80%, 90% or 100% and deductibles of $100, $250, $500 and $1,000.

  1. Essential Plan has an annual limit of $5,000
  2. Preferred Plan has an annual limit of $10,000
  3. Ultimate Plan has no annual cap

Figo Pet Cloud is undoubtedly one of Figo Pet’s best features and is one of the best online platforms out of all the options on this list. On it, customers have 24/7 access to a Live Vet, can view appointment reminders, can access a “Find My Pet” functionality, and more.

Like all top pet insurance companies, Figo Pet offers customer support. Their customer support agents can be reached from 8:00 a.m. to 7:00 p.m. CT, Mondays through Fridays. On Saturdays, they work from 8:00 a.m. to 6:00 p.m. CT. On Sundays, however, agents are available via text only from 11:00 a.m. to 3:00 p.m. CT.


Read The Full Figo Pet Insurance Review

At a Glance

  • No annual or lifetime maximum limits
  • Fantastic customer support available during extended business hours
  • 30-day money-back guarantee (“free look period”)
  • Direct vet payments
  • Covers both cats and dogs
  • Must sign your pet up before they’re 14 years old
  • Upper age limit
  • No pet behavioral care is offered in any of their insurance plans
  • $25 administration fee


Operational since 2009, this is one of the most established pet insurance providers on our list. Amidst an incredibly long list of benefits, Healthy Paws is a rare type of pet insurance company that pays the vet directly.

Mixed accident and illness coverage is offered for everything:

  • emergency and specialty care
  • diagnostic and alternative treatment

Healthy Paws’ pet insurance doesn’t cover neutering or spaying, dental health care, parasite control, special diets, elective procedures, microchipping, preventable disease, behavioral therapy, breeding, preventative care, and more.

  • Owners of pets aged 5 years and younger can pick from 70%, 80% or 90% reimbursement percentages, and a $100, $250 or $500 deductible.
  • Pets aged 6 to 7 years have the options of 60%, 70% or 80% reimbursement percentages and deductibles of $250, $500, or $750.
  • Dogs over 8 years old don’t have as many options with a 60% reimbursement percentage and a $750 deductible.

The pricing is determined by a personalized quoting system that considers everything from your ZIP code to your pet’s breed. With monthly premiums starting at a mere $15, Healthy Paws offers some of the best pet insurance for cats on the market. Their puppy insurance prices start at $25.

Healthy Paws’ customer service is available via telephone from 6:00 a.m. to 6:00 p.m. PST from Monday to Friday. On Saturdays and Sundays, customer support agents can be reached from 8:00 a.m. to 5:00 p.m. PST. 24/7 online support is also available.


Read The Full Healthy Paws Review

At a Glance

  • Minimal exclusions
  • 45-day money-back guarantee
  • No waiting periods
  • Covers all kinds of animals
  • Covers all conditions (even pre-existing ones)
  • Limited to vets within the Pet Assure network
  • Customer service only available via phone on weekdays


Pet Assure is essentially a discount-network that allows pet owners to receive 25% discounts off every visit. Because it is not a pet insurance policy it works a little differently if you compare it to the pet insurance plans discussed up until now. Here, all in-house medical care is discounted.

This includes:

  • wellness visits
  • sick and routine visits
  • preventative care such as vaccinations

Surgical procedures, dental care, X-Rays, hospitalization, spaying and neutering, and more are all included.

The only things that aren’t covered are routine grooming, boarding, outsourced services, food, medication, or mileage fees.

Pet Assure’s customer service team is available from 8:00 a.m. to 6:00 p.m. EST on Mondays through Fridays.


Read The Full Pet Assure Review

At a Glance

  • Extensive discounts offered, which can significantly decrease the overall pet insurance cost
  • Quick claims processing and paying
  • Healthy pet deductible ($50 off deductible for every claim-free year)
  • Covers both cats and dogs
  • Discounts available
  • Option to minimize waiting time for orthopedic conditions
  • Upper age limit of 14 years for both cats and dogs
  • $25 enrollment fee


With Embrace Pet insurance you have a multiple choice of reimbursement and annual deductibles: 90%, 80% or 70% reimbursement percentages and annual deductibles of $200, $300, $500, $750, or $1,000.

Depending on the plan you pick you’ll be limited to a different annual maximum: $5,000, $8,000, $10,000, $15,000, or $30,000.

There is a plan that allows you to have no annual policy caps but this needs to be arranged via telephone.

Embrace Pet does not cover: pre-existing conditions, breeding-related costs, avian flu, deliberate injury, injury or illness stemming from neglect or cruelty, cosmetic procedures, DNA cloning, or stem cell therapy.

It covers pretty much everything else including but not limited to breed-specific and genetic conditions, congenital conditions, chronic conditions, cancer, exam fees, rehabilitation fees, behavioral therapy, and ER care.

There’s also a pet insurance plan that includes preventive care and a wellness add-on program.

Waiting periods:

  • 2 days for accidents
  • 14 days for illnesses
  • 6 months for orthopedic conditions

However, if you submit your pet’s orthopedic report card when you enroll them then this turns into a 14-day waiting period.

Embrace Pet offers multiple discounts:

  • 5% to 10% discounts for two or more pets
  • 5% military discount
  • 10% veterinary staff pet insurance discount

Embrace Pet’s customer service is available via live chat from 8:30 a.m. to 5:00 p.m. ET on Mondays through Fridays while the call center can be reached from 8:30 a.m. to 8:00 p.m. ET on those same days. On Saturdays, you can reach them from 9:00 a.m. to 1:00 p.m. ET.


Read The Full Embrace Pet Insurance Review

At a Glance

  • 5% discount for members of the military and those with multiple pets
  • A range of plans available
  • Short hip dysplasia waiting period (14 days)
  • Inexpensive
  • Fantastic customer support
  • 30-day money-back guarantee
  • Claim payment takes longer than other companies
  • $2 transaction fee in some states
  • Alternative, herbal and holistic therapies aren’t covered


Pets Best is often referred to as the best cheap pet insurance provider on the market and we’re inclined to agree since its accidents-only plan costs a mere $6 for cats and $9 for dogs.

It offers a range of plans covering:

  • illnesses
  • accidents
  • preventative care

You have a choice of 90%, 80% or 70% reimbursement percentages and deductibles of $50, $100, $200, $250, $500 or $1,000 with annual limits of $5,000 or unlimited.

Apart from offering the cheapest pet insurance policy imaginable, Pets Best will cover your pet for all sorts of conditions and services, depending on the plan you pick. Surgery, specialist visits, outpatient care, emergency visits, prescription medications, behavioral treatments, and acupuncture are just a few examples of the coverage.

Organ transplants, pre-existing conditions, and stem cell therapy are a few of the exclusions.

  • accidents have a 3-day waiting period
  • illness and hip dysplasia have a 14-day waiting period
  • cruciate ligament injuries have a 6-month waiting period

If you opt for the routine care add-ons, those are available from the policy effective date onwards. All claims must be submitted within 180 days and repayments average between 25 to 40 days.

If you have any queries or are interested in comparing pet insurance quotes, customer service can be reached via phone from 7:00 a.m. to 7:00 p.m. MT Monday to Friday and from 10:00 a.m. to 2:00 p.m. MT on Saturdays. There is also a text, email and live chat option although the operating hours of these platforms aren’t specified.

A 24/7 Pet Helpline is available via phone, live chat, and email for education purposes or if you need an advice. The service is included in your policy at no additional charge.


Read The Full Pets Best Review

At a Glance

  • Covers both cats and dogs
  • Peer-to-peer sharing business model
  • No upper or lower age limits for cats or dogs
  • No set monthly premiums
  • Earn $40 for every member you sign up through the ambassador program
  • No networks to work within
  • 30-day waiting period for any claim
  • Fairly new company, so it still needs to gain momentum and earn its reputation
  • If you’re an active group member you must stay in your group for 1 year (or forfeit your deposit)


Just when you thought you had heard of it all, along comes Eusoh – the peer-to-peer health crowd-sharing system. Essentially, whenever you have an expense you’d like to be reimbursed for the Eusoh community sorts it out. The same applies to the next person who needs help paying their vet’s bills and others after them.

Through its innovative approach to pet healthcare, Eusoh covers illnesses, injuries, congenital conditions, hereditary conditions, annual checkups, cancer, surgeries, prescribed medications, alternative treatments, and wellness care. The only exclusions are those relating to food, supplements, grooming, breeding, spaying or neutering.

So instead of trying to find the best pet medical insurance policy, you share costs with a community of other pet owners.

How it works is simple: pay a $48 deposit to sign up, pay the $17 monthly subscription fee per pet and check in with your group (sub-communities of like-minded people within the Eusoh community) and contribute to their pets’ medical needs that month. You can either join a dedicated cat or dog group, join a community group, or band together with your colleagues, family members, or neighbors to start your own.

A $250 annual deductible, an annual limit of $8,500, a 30-day waiting period, zero age limits, and a promise to never have to pay more than $65 per month seal the deal on this alternative to pet insurance.

If at any point you need a little help, reach out via email, telephone, the contact page, or through your Eusoh Dashboard from Monday to Friday, 9:00 a.m. to 5:00 p.m. PST.

At a Glance

  • Flexible treatment options including naturopathy and homeopathy
  • No annual limits
  • One simple plan offered
  • 90% reimbursement with no payout limits
  • 30-day money-back guarantee
  • 24/7 customer support
  • Option for the company to pay the vet directly


Trupanion is a pet insurance company that aims to simplify pet insurance as a whole.
Trupanion has a 90% reimbursement with no payout limits.

You can choose a deductible between $0 to $1,000, however, note that the deductible isn’t annual but rather per incident. You must submit claims within 90 days and your claim will be processed in 69 days and paid in 14. It’s also one of the few providers of pet insurance that pays the vet directly should you need this service.

It covers everything from hereditary conditions to hospital stays and many instances in between. It’s also one of the few providers of pet insurance that covers dental care.

The two things that make Trupanion stand out are its optional packages:

  • Pet Owner Assistance – covers the boarding fees of your pet in the event that YOU are hospitalized and the advertising costs and rewards for lost pets
  • Recovery and Complementary Care Rider – covers hydrotherapy, acupuncture, homeopathy, and other alternative therapies

On the other hand, it doesn’t cover pre-existing conditions, preventative care, or exam fees.

It has a 30-day waiting period for illnesses, hip dysplasia and cruciate ligament injuries and a 5-day waiting period for accidents. The Trupanion customer service team can be contacted 24/7 via email, phone, or SMS.


Read The Full Trupanion Review

At a Glance

  • 24/7 customer service
  • Covers an assortment of animals from puppies to pigs
  • 5 to 15 day claims payment average
  • Three plans to pick from
  • Incredibly quick payments
  • Stellar reputation


If you’re a fan of Lassie, you’ll be impressed to know that she was Nationwide’s first-ever customer.

Nationwide offers an assortment of plans covering injury, accident, and pet wellness. It has three different plans for you to pick from and a 90% reimbursement or fixed benefit option.

Nationwide doesn’t just cover cats and dogs but also a whole range of exotic pets. It offers animal health insurance for most bird species as well as amphibians, chinchillas, mice, snakes, sugar gliders, hedgehogs, hamsters, guinea pigs, lizards, opossums, geckos, goats, gerbils and more!

Speaking of coverage, Nationwide is extremely specific about what it does and does not cover, so we suggest reading through their policy coverage documentation with a fine-tooth comb. The company doesn’t cover: anything relating to pre-existing conditions, grooming, or boarding. Some plans only partially cover certain conditions. For example, skin tumors are fully covered in the Major Medical and Whole Pet plans but not in the Pet Wellness insurance plan while ACL is fully covered by the Whole Pet plan, partially covered by the Major Medical plan and not covered at all by the Pet Wellness plan.

It’s one of the only providers of pet insurance that covers spaying and neutering.

  • 14-day hip dysplasia waiting period
  • 12-month cruciate ligament waiting period
  • 14-day waiting period for all conditions covered by the Whole Pet and Major Medical plans

Claims must be submitted within 90 days and you can expect to receive payment within 30 days, although most receive theirs in 5 to 15 days!

Nationwide’s customer service is available 24/7 via phone, email, and live chat.

A VetHelpline is also available for veterinary guidance.

At a Glance

  • 14-day waiting period for hip dysplasia and cruciate ligament events
  • Emergency hotline
  • 180-day pre-existing condition classification
  • Offers both cat and dog health insurance
  • 30-day money-back guarantee
  • $2 transaction fee
  • No unlimited claims option
  • Cannot amend your policy for 12 months


ASPCA is yet another pet insurance company that is incredibly popular and has processed over 1.6 million claims in its 20-year run.

What it’s most loved for is its multiple-pet offer – all pets are listed under a single policy and each pet receives a 10% discount. It has plans that cover

  • illnesses
  • accidents
  • preventative care

You have a choice of 90%, 80% or 70% reimbursement, and deductibles of $100, $250, or $500.

You can also pick between annual limits of $3,000, $5,000, $7,000 or $10,000.

ASPCA is very generous when it comes to what it covers. It covers all kinds of accidents and illnesses, alternative therapies, behavioral issues, hereditary conditions, and congenital conditions, microchip implantation as well as prescription medication, food, and supplements.

It does not cover:

  • pre-existing conditions
  • cosmetic procedures
  • breeding costs

While this is not technically a pet insurance company that covers pre-existing conditions, if no symptoms are displayed in a 180-day period, then the condition is no longer classified as pre-existing.

It has a 14-day waiting period for accidents, illnesses, hip dysplasia, and cruciate ligament events.

Claims must be submitted within 270 days and the average claim repayment typically takes around 14 to 16 days.

Customer service is available via email or phone from 8:00 a.m. to 9:00 p.m. EST on Mondays to Fridays and from 9:00 a.m. to 5:00 p.m. EST on Saturdays. On Sundays, they’re available from 11:00 a.m. to 3:00 p.m. EST.

At a Glance

  • Various plans to pick from
  • Extended customer service hours
  • Accidents are covered within 24 hours of enrollment
  • Covers both cats and dogs
  • No upper age limits
  • Short accident waiting period
  • Per incident deductible
  • No behavioral training


PetFirst is a pet insurance company that is part of the MetLife Company’s brand umbrella.

You have reimbursement options of 65%, 70%, 80%, 90% or 100% and annual limit options of $5,000, $10,000 or $20,000. Pick from $50, $100, $250 or $500 deductibles.

Accidents, illnesses, diagnostic testing, hospitalization, prescription medications, orthotic devices, and exam fees are all covered.

No pre-existing conditions are covered and costs relating to routine exams, grooming, cosmetic procedures, breeding, behavioral training, and other types of pet care are not included under PetFirst’s insurance.

Claims are typically processed within a 14-day period.

Just 24 hours after enrollment, your pet is covered for accidents.

Illnesses and cases of hip dysplasia have a 14-day waiting period.

PetFirst not only offers:

  • 30% discount for enrollment of multiple pets in a family plan
  • save $36 for paying the whole annual bill
  • $10 discount off online policy purchases

The PetFirst customer support team can be contacted via email, telephone, and live chat from 8:00 a.m. to 9:00 p.m. EST on Mondays through Fridays and from 10:00 a.m. to 7:00 p.m. EST on Saturdays and Sundays.

At a Glance

  • Curable pre-existing conditions covered after 365 days
  • 30-day money-back guarantee
  • 24/7 customer service
  • Covers both cats and dogs
  • $3.50 payment-processing fee
  • Lots of coverage terms and conditions
  • Pets must have annual check-ups to be covered
  • No multi-pet discount


Petplan is yet another pet insurance option that is well worth considering.

It has annual price limits of $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or an unlimited annual price depending on the plan you pick. You have a choice of an annual deductible of $250, $500, or $1,000, and reimbursements of 70%, 80%, or 90%.

Petplan covers: injuries, accidents, illnesses, non-routine veterinary exam fees, sick visits, emergency care, specialist visits, dental-related diseases and treatments, behavioral therapy, imaging, hereditary and chronic conditions, cancer treatment, prescription medications and more. It is one of the few companies that offer pet dental insurance.

The company doesn’t offer coverage for: wellness, routine care, preventative care, prophylactic teeth cleaning, non-curable pre-existing conditions, or elective treatments.

Claims must be submitted within a 90-day period and claim repayments take place within a 30-day period.

  • Accidents and illnesses have a 15-day waiting period
  • cruciate ligament and patella injuries have a 6-month waiting period
  • after 365 days, Petplan pet insurance will cover a curable pre-existing condition

If you need any help at any point the Petplan customer service is available 24/7 via email, live chat, and phone.

How To Choose Pet Insurance? — Guide

The way pet insurance works is simple. Take your pet to the vet as and when needed. Pay your bill. Send your bill to the pet insurance provider. Depending on your plan and their policy, they’ll reimburse you anything from 70% of the bill to the full amount.

Are you asking yourself, “Should I get pet insurance?” The answer is yes. There are a number of incredible pet insurance providers that aim to make the lives of pets and their owners easier, so picking the right one can be a challenge. It’s also a good idea to consider the following before making a final decision:

  • Pricing 
  • Coverage 
  • Exclusions 
  • Average claims processing time
  • Average repayment time
  • Customer service offered (hours and platforms) 
  • Brand reputation 
  • Customer reviews and ratings
  • Additional benefits 

What Is Typically Included In The Pet Insurance?

Coverage “Cans”

While it varies from provider to provider and plan to plan, the following conditions, situations, and services are frequently covered in pet insurance policies: 

  • Illnesses 
  • Accidents 
  • Emergencies 
  • Hospitalization 
  • Surgeries 
  • Hereditary conditions 
  • Congenital conditions 
  • Prescription medication 
  • Cancer treatment 
  • Microchip implantation 

What Is Typically Excluded?

Pet Insurance Limitations: The Fine Print 

As you can no doubt tell, there are many conditions and services that are typically excluded from pet insurance policies. The main and most common exclusions that you’ll find with almost all providers are pre-existing conditions as well as conditions relating to breeding, cosmetic procedures, grooming, and cloning. 

While this doesn’t apply to all, the majority of pet insurance providers exclude the following:

  • Costs and services relating to preventative care 
  • Pet dental insurance 
  • Dietary foods and supplements 
  • Exam fees
  • Boarding costs 
  • Behavioral therapy or training
  • Spaying or neutering 
  • Vaccines     

How Much Is Pet Insurance? What Are The Costs? 

As you can see from the best pet insurance plans we introduced you to today, different policies come with different price tags attached. Thankfully, pet insurance as a whole is an affordable expense – especially when compared to veterinary bills! What is the average cost of pet insurance per month? Anything from a couple of dollars a month up to around $50-$60 dollars max.  

The different factors that contribute to the cost of premiums include the following:

  • Type of pet

The type of pet you have largely contributes to the premiums you can expect to pay. Dogs are more expensive to insure than cats are, simply because their treatment costs are generally much higher.  

  • Breed

For certain types of pets, like dogs, the breed also impacts insurance costs. Some dog breeds are predisposed to a certain condition and they’re more likely to contract it, which makes the premiums higher. If your dog is a mixed breed, you can expect to pay much less for even a top-rated dog insurance plan than if you owned a purebred.   

  • Age

As your pet ages, your insurance premiums go up. This means that the older your pet is at the time of enrollment, the higher the fees you’ll pay initially. 

  • Health

If your pet has a poor health record or suffers from a pre-existing condition you should be prepared to pay more – and that’s if your pet qualifies for coverage in the first place. 

  • Deductible

As is the case with other types of insurance, the higher the deductible on the plan you select, the lower your monthly premiums. The same is true for the reverse: the lower the deductible, the higher your premiums will be BUT you’ll have to pay your vet less.

  • Reimbursement level

Similar to the above, the lower your reimbursement rate, the lower your premiums will be. Again, although this may sound like a money-saving option, in the long run, it may end up costing you more.  

  • Coverage level

If it’s cheap pet insurance you want, you’ll need to look at something with a low level of coverage such as accident coverage only. On the other hand, the best lifetime pet insurance typically covers accidents and illness and sometimes even wellness too. The more coverage you want, the more you must be prepared to pay.

Best Pet Insurance At A Glance

Figo Pet Insurance: Best Overall 

Healthy Paws: Runner-Up – Best Overall 

Pet Assure: Best for Sicky (Uninsurable) Pets

Embrace Pet Insurance: Best Routine Care Pet Insurance 

Pets Best: Best Cheap Pet Insurance 

Trupanion: Best for Flexibility 

Nationwide: Best Exotic Pet Insurance 

ASPCA: Best for Multiple Pets

PetFirst: Best for Accidents 

Petplan: Best Value 


Just like vehicle insurance and health insurance, pet insurance is a necessity and is something you’d rather be caught WITH than without. We recommend that all pet owners consider taking a policy out for their pet – especially those whose pets are accident-prone or belong to breeds that are known for falling sick often and easily. 

But is pet insurance worth it? In the grand scheme of things, absolutely. The premiums are affordable compared to other expenses, the policies are generally easy to understand, and there’s a plan for every budget and every pet – fluffy, furry, scaly, or feathered. 

Commonly Asked Questions About Pet Insurance

Is pet insurance only for cats and dogs?

No, not at all. However, your choice of animal health insurance providers will be somewhat limited as most companies cater to cats and dogs. If you’re looking for rabbit pet insurance or pet insurance for a horse or hedgehog you’ll be limited to providers like Nationwide and insurance alternatives like Pet Assure.

Does any pet insurance cover routine visits?

Yes, absolutely. Generally speaking, most pet insurance companies that offer wellness coverage typically extend their level of coverage to include routine visits to your vet, too.

When should you buy pet insurance?

The earlier, the better! You never know when or if your pet will need medical attention and so it’s always best to have them insured from the beginning. Most companies have an 8-week lower age limit although many allow you to cover your pets from the date of their birth.

Is it best to get lifetime pet insurance?

It depends. When it comes to the best of the best, lifetime pet insurance is definitely it, because this level of coverage insures your pet for any injury or illness that occurs throughout their lifetime. It’s up to you to examine your options and pick the best pet insurance to meet your furry friend’s needs.