Pet insurance is both similar and different to human health insurance. Just like humans, our pets can have accidents or become ill, and just like human bills, veterinary bills can add up to eye-watering numbers. It works slightly different as it’s owner reimbursement, rather than hospital reimbursement, based, but the premiums and deductibles work pretty much the same. Because we’re sure that we all want the best and healthiest possible life for our fluffy friends, we conducted this research and picked out the 10 most popular pet insurance companies based on user reviews, services provided and general reputation. Choosing the best pet insurance for dogs or cats has never been easier.

Editor`s choicePet Insurance CompanyRating
Best overallPetFirst4.9
Runner upPetPlan4.8
Best for a budgetPetPremium4.6
Best for extra ridersPets Best4.6
Embrace4.5
Healthy Paws Pet Insurance & Foundation4.3
Pet Assure4.1
Petinsurer4.0
Figo3.7
Nationwide3.6

PetFirst Pet Insurance company

PetFirst Insurance company

Currently the most popular pet insurance company, offers several flexible plans with no lifetime or per-incident limits. A top pick for both senior pet care insurance and puppy insurance, recommended as best dog insurance company in 2020.

Year of creation

2004

Where does it work

United States

URL

petfirst.com

Phone

855.270.7387

E-mail

info@petfirst.com

Number of programs

3

PetFirst is a popular company mostly for their flexible plans and extremely short wait times. They offer coverage for all pets regardless of their age, which makes them sought after by the owners of older pets or if this is your grown pet’s first insurance. As far as pet life insurance goes, they have been consistently voted as most popular among consumers.

PROS:

CONS:

  • Shortest wait periods
  • 100% reimbursement options
  • Diminishing deductible
  • A separate package must be purchased for routine care coverage
  • No parasite prevention or treatment coverage
  • Wellness and behavioral treatments are very limited

Great quotes and a good amount of options make PetFirst a solid choice for those who aren’t looking for anything specific – just a generally reliable insurance company that won’t make you wait weeks for clearance.

PetPlan Pet Insurance company

One of the oldest and most reliable pet insurance companies on the market, winner of the 2019 Consumer’s Advocate “most comprehensive pet health insurance” award. Covers chronic and hereditary diseases as well as exam fees. Is generally considered one of the best in pet insurance business.

Year of creation

1977

Where does it work

United States and Canada

URL

gopetplan.com

Phone

1.877.637.5919

E-mail

info@gopetplan.com

Number of programs

1

PetPlan is a very comprehensive insurance company that offers coverage for holistic and behavioral care, which can be hard to come by with larger companies and also covers prescription medication. Covering all diagnostic exam fees and having a 1 year exclusionary period for treatable pre-existing conditions make them a valuable choice for owners whose pets have those.

PROS:

CONS:

  • Covers exam fees
  • 24/7 customer service support live chat
  • Curable pre-existing conditions can be covered after a 12-month exclusionary period
  • No routine care coverage options
  • Requires annual exams
  • Limited coverage for bilateral conditions

PetPlan offers a complete package with some very attractive options, especially for those who own older pets, pets with treatable existing diseases or just owners interested in holistic and behavioral procedures. Responsive customer support also pushes this company to the top of the list. However, their list of options and add-ons is limited, but if you’re looking to lower your dog insurance cost they’re worth a browse.

PetPremium Pet Insurance company

Claiming to focus on “health” rather than sickness, PetPremium is an interesting choice for those pet owners who are interested in prevention and nutrition. You can continue using your own vet if you have one, which can also be a deal breaker. If you’re looking for cheap pet insurance, take a look at their options.

Year of creation

2013

Where does it work

United States 

URL

petpremium.com

Phone

1 (800) 935-7280

E-mail

contact form

Number of programs

2

PetPremium can be a good choice for those who are looking for preventative and routine care options. Offering both a lower cost and a premium option for those, PetPremium covers all the daily needs of your pet. While not being optimal for owners of older pets or dogs with chronic conditions, this company is a great option for owners of a generally healthy dog.

PROS:

CONS:

  • Lower cost options
  • Nutritional and preventative care support
  • Large website with lots of resources on pet health and care
  • No 100% reimbursement
  • Limited knee and ligament condition coverage
  • The premium highly depends on your pet’s age

PetPremium is a popular option for owners looking to cover routine health and wellness costs for their generally illness-free dogs. They only offer 2 plans, but the price difference makes them attractive to different groups of customers. One of the very few companies focusing on preventive care and progressive pet insurance.

Pets Best Pet Insurance company

Pets Best aims to offer a wide range of pricing and coverage options – from the cheaper accident only plans, to the ones that cover illnesses and premium wellness options as well. Good personal customer support praised by many clients. Browse their site if you’re looking for affordable pet insurance.

Year of creation

2005

Where does it work

United States 

URL

petsbest.com

Phone

1-877-738-7237

E-mail

contact form

Number of programs

3

Pets Best is a reputable company offering many different options for all kinds of wallets. It’s a good place if you are working with a tight budget and just looking for major accident protection without any of the bells and whistles, but those looking to cover their routine vet costs can also find attractive options. Reliable pet insurance for dogs and cats.

PROS:CONS:
  • Flexible options that can include exams and routine care
  • A single annual deductible
  • Unlimited lifetime plans
  • Minimal information on the website
  • No vanishing deductible
  • Limited options for holistic/alternative medicine

Pets Best has several very attractive options if you’re looking for those in particular: 24/7 support, optional vet direct pay, optional exam and routine procedure coverage as well as some unlimited lifetime plans to protect your dog for their entire life. Working with a system based on options and add-ons, they can craft a plan fitting your needs and financial situation.

Embrace Pet Insurance company

Embrace offers some unique options in pet insurance, focusing on wellness, routine and preventable conditions, as well as therapy and alternative treatments. Their diminishing deductible feature where each year that you don’t file a claim your deductible shrinks can also make it really attractive to those owners whose pets are generally healthy.

Year of creation

2003

Where does it work

United States 

URL

embracepetinsurance.com

Phone

(800) 511-9172

E-mail

contact form

Number of programs

1

Embrace not only helps you cover all the routine vet visits responsible owners must do every year to make sure their dog lives a long life, it rewards you for being diligent with them! Reimbursing for things like grooming, training, teeth cleaning and so on, Embrace is an attractive option for dog owners willing to go all out for their furry friend.

PROS:CONS:
  • Flexible wellness plan
  • A diminishing deductible feature
  • Preventable condition coverage
  • Only a single policy with no cheaper options
  • No vanishing deductible
  • Limited options for holistic/alternative medicine

If you’re looking for an insurance company focusing on daily routine and wellness treatments, Embrace might be worth a look. Rewarding you for taking good care of your dog, they also offer all the usual accident and emergency protection options, easing the bill load on your household. It’s rare for an animal insurance company to go for a prevention angle.

Healthy Paws Pet Insurance & Foundation

Healthy Paws focuses on being easy to understand and work with – their claim filing is as easy as taking a phone picture of your bill and sending it to them. While they don’t offer any of the fancier options like wellness care or routine care, they’re great for emergency coverage or hereditary conditions as basic pet health insurance.

Year of creation

2009

Where does it work

United States 

URL

healthypawspetinsurance.com

Phone

855.898.8991

E-mail

contact form

Number of programs

1

While Healthy Paws Pet Insurance & Foundation only offers a basic protection plan without any of the more advanced options some competitors provide, like covering routine visits or exam fees, some of their options make them worth looking at, especially if this is specifically what you need. There’s no annual or any other cap on treatment, they cover hereditary conditions and emergency visits, and their claim processing is extremely quick and easy.

PROS:CONS:
  • Full emergency care coverage
  • No payout cap
  • Quick claim processing
  • No preventive care coverage
  • No exam fee coverage
  • Only dogs up until 14 years of age are accepted

Healthy Paws is a solid option if you’re looking for a provider with no cap or maximum limit. Their plan is not fancy, but for those dog owners whose pet is subject to hereditary and congenital conditions as well as risk of hip dysplasia, they might be worth a close look. About as basic as dog health insurance comes.

Pet Assure Pet Insurance company

Strictly speaking, Pet Assure is not an insurance company – it’s a program for making pet care more affordable. An attractive option for those pet parents who don’t want the commitment and seek more freedom. Also one of the very few options of easing the financial burden on owners of pets with pre-existing conditions. Traditional pet insurance cost can be high, so if you work on a tight budget, check them out.

Year of creation

1995

Where does it work

United States 

URL

petassure.com

Phone

(888) 789-7387

E-mail

contact form

Number of programs

1

Pet Assure offers a different option from traditional pet insurance – a discount program to cover all your wellness and illness needs. It’s much cheaper than traditional insurance, which of course comes with some caveats, like select location availability and lack of full coverage. In return you get complete freedom of choice when it comes to procedures and can use it to help with treatment and medicine for your pre-existing condition dog.

PROS:CONS:
  • No deductibles or claim forms
  • Complete freedom of choice
  • Can be used for treating pre existing conditions
  • No full reimbursement
  • Can only be used at participating veterinarians
  • No protection from a sudden emergency bill

Pet Assure covers a different niche, mostly valuable for owners of older/rescue pets who didn’t think about insurance until the necessity hit. They won’t offer you full reimbursement, but for a low enrollment cost you can reap the benefits such as medicine, procedure and treatment discounts. No traditional pet insurance covers pre-existing conditions, but Pet Assure may assist with that.

Pet Insurer Pet Insurance company

Pet Insurer is an online aggregator of pet insurance companies that helps you compare quotes and plans directly without needing to fill out forms for each additional one. They offer price guarantees and up to date quotes from the most popular and trusted providers.

Year of creation

 

Where does it work

United States 

URL

petinsurer.com

Phone

 

E-mail

contact@PetInsurer.com

Number of programs

unlimited

If you’re feeling overwhelmed with all the different options or, on the contrary, aren’t sure what plan is best for you and your dog, you can easily compare pet insurance options at Pet Insurer. They break down all the different policies and explain what each one of them means – and you only need to fill in that pesky detail form once to see all your options. For those not against dealing with a middle man, Pet Insurer provides a valuable service.

PROS:CONS:
  • Flexibility of choice depending on your needs
  • Many different options make it easier to choose the cheapest one
  • A lot of information on insurance and what different plans mean
  • No direct contact with the insurance provider
  • Need to dig deep to find the finer info about exclusions
  • No customer service phone

Pet Insure is a price comparison website – a pet insurance aggregator. What makes them attractive is their price guarantee, meaning you won’t find any of the deals they list for cheaper anywhere else. Great option to compare pet insurance quotes and become more educated.

Figo Pet Insurance company

Figo is a large pet insurance company that offers three flexible illness and emergency coverage plans for different needs and financial situations. While they don’t cover any routine or preventative care, as well as pregnancy and birth, they do have an option for 100% reimbursement on select bills, which can be important for some pets and conditions.

Year of creation

2012

Where does it work

United States, Canada, Puerto Rico 

URL

figopetinsurance.com

Phone

844.738.3446

E-mail

support@figopetinsurance.com

Number of programs

3

Figo offers traditional pet insurance plans with protection against illness and accidents, with no options to include routine care or wellness procedures. They do cover all knee and hip conditions, as well as hereditary diseases and offer a 24/7 live chat with a veterinarian for instant advice and help. With three different plans it’s easy to choose an option that suits you and your furry pal most. Besides Allstate pet insurance, Figo has coverage in Canada and Puerto Rico.

PROS:CONS:
  • 100% reimbursement option
  • Good claim management with real-time notifications and an AI assistant
  • 24/7 live vet chat
  • No preventive or wellness treatment coverage
  • A 5-day wait period for accidents when purchasing insurance
  • The policy does not provide coverage for spaying or neutering

Figo offers several different price points for insurance, with some of them including full bill coverage. Their claim management is very modern and is done through the app, with 24/7 customer support and vet assistance available. However, they don’t include any preventive or routine care options in their packages.

Nationwide Pet Insurance company

Well known for their life insurance policies, Nationwide offers several comprehensive options to insure your dog, allowing you to choose between a percentage-based reimbursement (which can include exam fees and routine procedures) or an option with a benefit schedule with capped reimbursement, depending on your dog’s needs and possible conditions. They also offer pet wellness plans.

Year of creation

1925

Where does it work

United States 

URL

petinsurance.com

Phone

1-888-899-4874

E-mail

contact form

Number of programs

3

Nationwide is a well-known insurance company that has branched out into offering specialised pet insurance. They offer some interesting and unique options like being able to purchase a wellness coverage plan without signing up for a major medical plan that covers surgeries etc. A company with a great track record for dependability, Nationwide is a trusted brand.

PROS:CONS:
  • Choose a complete care plan or tailor it to your needs with a la carte options
  • An option to buy a wellness plan without dog medical insurance
  • Coverage begins at signup date
  • No direct pay option
  • No 24/7 live customer support
  • No support for curable pre existing conditions

Nationwide is one of the few companies there letting you purchase a wellness plan that includes routine care and therapy without paying for a premium medical coverage plan. The parent company’s good reputation also works in their favor, as many customers may opt for a familiar name. They’re also one of the few companies who offer pet medical insurance for birds and exotic pets.

Frequently Asked Questions

Why insure your pets?

Accidents happen – and vet bills tend to run high. Insurance will make sure you can stay calm and collected in the face of emergency because you won’t be dreading to face not being able to pay for the best care your pet needs. Dog health insurance can also ease the burden of the routine costs like vaccinations, preventative examinations and dental care.

What does an insurance company cover?

The full list of coverage depends on the company, but most pet insurance plans offer full accident protection as well as covering surgery and rehabilitation costs, diagnostics, dental plans and even behavioural therapy and boarding kennels – pet sitting insurance.

How often do dogs get sick?

Statistics say that one in three dogs needs unexpected urgent veterinary care each year. And every six seconds a pet owner is issued a veterinary bill exceeding $1000. 4 out of 5 dogs experience some kind of medical emergency during their lifetime, and that’s not accounting for chronic conditions some breeds run a much higher risk for. Dog medical insurance is a good way to plan for the future to protect your pup.

Conclusion

Choosing a pet insurance plan for cats or dogs can be a daunting but ultimately necessary task, which will give you both financial security and peace of mind. With so many different companies on the market you can find one to suit your needs perfectly, whether it’s looking out for a pet with possible hereditary conditions, accident protection, assistance for older animals or a general wellness and prevention plan, armed with your new knowledge you’re bound to make a perfect choice. The best pet insurance in 2020 is all about flexibility and choosing what’s right for you and your lifetime friend.


How useful was this post?

Click on a star to rate it!

Average rating 5 / 5. Vote count: 3

No votes so far! Be the first to rate this post.

As you found this post useful...

Follow us on social media!

We are sorry that this post was not useful for you!

Let us improve this post!

Tell us how we can improve this post?

0 Comments

Leave a Reply

Your email address will not be published. Required fields are marked *

4 × one =