Top 10 PET Insurance Companies

Pets are family, and just like with any other family member, it’s important to ensure they have the best possible care. Unfortunately, vet bills can add up quickly, especially if your pet faces an unexpected injury or illness. Pet insurance is an excellent way to protect your wallet while ensuring your pet gets the care they deserve. To help you choose the right provider for your furry friend, here’s a list of the top 10 pet insurance companies in the USA.

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1. Healthy Paws Pet Insurance

Best for: Comprehensive Coverage & Fast Claims

Healthy Paws is widely recognized for offering one of the most comprehensive pet insurance plans in the industry. Their policy covers a range of conditions, including accidents, illnesses, cancer, and even hereditary conditions. What stands out about Healthy Paws is its fast claims process and excellent customer service.

• Pros: Unlimited lifetime benefits, quick claim processing, no caps on claims.
• Cons: Doesn’t cover wellness exams or routine care.
• Average Cost: $35 to $55 per month for dogs; $20 to $40 per month for cats.

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2. Trupanion

Best for: Direct Vet Payments & Quick Coverage

Trupanion is known for its flexibility and ability to pay vets directly, which is especially helpful if you don’t want to deal with the hassle of reimbursements. Trupanion also covers 90% of your pet’s vet bills, including surgeries, diagnostics, and even prescription medications.

• Pros: Pays vets directly, comprehensive coverage, quick reimbursement.
• Cons: Higher premiums and fewer add-ons.
• Average Cost: Around $40 to $80 per month for dogs; $25 to $50 per month for cats.

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3. Embrace Pet Insurance

Best for: Wellness Coverage & Discounts

Embrace offers customizable plans, with the option to add wellness rewards to your coverage, which helps cover routine care like vaccinations, flea preventatives, and annual check-ups. It’s great for those who want a balance between basic accident/illness coverage and additional preventive care.

• Pros: Wellness rewards, accident-only coverage, and multiple discounts available.
• Cons: Wellness coverage is an add-on.
• Average Cost: $30 to $60 per month for dogs; $20 to $40 per month for cats.

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4. Nationwide Pet Insurance

Best for: Comprehensive Coverage & Exotic Pets

Nationwide is one of the few insurers that offer comprehensive coverage for exotic pets (like birds, reptiles, and small mammals). If you own more than just a dog or cat, this is a major selling point. They also offer wellness plans, making them a good choice for routine care.

• Pros: Coverage for exotic pets, multiple plan options.
• Cons: Higher deductibles and premiums compared to other companies.
• Average Cost: Around $40 to $70 per month for dogs; $30 to $50 per month for cats.

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5. Figo Pet Insurance

Best for: User-Friendly Technology & Comprehensive Coverage

Figo stands out for its advanced mobile app, which allows pet owners to manage their policies, file claims, and track their pet’s health all in one place. Their coverage includes accidents, illnesses, and behavioral problems, making them a great option for pets with special needs.

• Pros: 100% reimbursement options, great mobile app, customizable plans.
• Cons: Limited availability in some states.
• Average Cost: $35 to $60 per month for dogs; $20 to $45 per month for cats.

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6. Pets Best

Best for: Affordable Premiums & Preventive Care Options

Pets Best offers some of the most affordable pet insurance plans available, with options for both accident-only coverage and comprehensive illness coverage. They also offer preventive care packages as an add-on, covering routine visits, vaccinations, and more.

• Pros: Affordable premiums, multiple add-on options, fast claims processing.
• Cons: Not all plans include wellness coverage.
• Average Cost: $20 to $40 per month for dogs; $15 to $30 per month for cats.

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7. ASPCA Pet Health Insurance

Best for: Strong Customer Support & Wide Availability

ASPCA offers customizable plans, including accident-only and comprehensive coverage. They are known for providing great customer service and have a strong reputation in the industry. They also offer a 30-day money-back guarantee, which adds extra peace of mind.

• Pros: 30-day money-back guarantee, multiple plan options, strong reputation.
• Cons: Higher premiums for older pets.
• Average Cost: $25 to $50 per month for dogs; $20 to $40 per month for cats.

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8. Petplan Pet Insurance

Best for: Older Pets & Hereditary Conditions

Petplan is a great choice for older pets, offering comprehensive coverage that includes treatment for hereditary and congenital conditions, which many other providers exclude. They are known for their flexibility in terms of coverage and their exceptional claims process.

• Pros: Covers hereditary and congenital conditions, no per-incident caps.
• Cons: Higher premiums for older pets.
• Average Cost: $40 to $75 per month for dogs; $30 to $55 per month for cats.

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9. Lemonade Pet Insurance

Best for: Budget-Friendly Options & Tech-Savvy Customers

Lemonade offers a simple and straightforward pet insurance plan, making it an excellent choice for those who want affordable coverage with minimal hassle. Their easy-to-use app allows for quick claims processing, and they offer a unique feature where unused premiums are donated to charity.

• Pros: Easy-to-use app, affordable premiums, charity donation option.
• Cons: Fewer coverage options compared to other insurers.
• Average Cost: $15 to $30 per month for dogs; $10 to $25 per month for cats.

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10. Cesar Millan’s Pet Insurance

Best for: Dog Behavior Support & Veterinary Care

Known for the famous dog trainer, Cesar Millan’s Pet Insurance is ideal for pet owners seeking comprehensive coverage and additional behavioral support. They offer wellness plans and accident coverage, along with options for veterinary support, which can be valuable for owners of high-energy dogs.

• Pros: Behavioral support, wellness and preventive care coverage.
• Cons: Not as widely available in all states.
• Average Cost: $25 to $55 per month for dogs; $20 to $40 per month for cats.

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