Best Pet Insurance Companies

Numerous pet parents enroll in pet insurance plans to help manage costs and prepare for unanticipated veterinary extremities. These programs generally dodge a low yearly cost but can pay for over knockouts of thousands of bones in unexpected warhorse bills — content that could equal a life-saving operation for your pet.

The stylish pet insurance companies offer generous accident and illness content, flexible decorations and deductibles, and transparent terms. They also offer abatements for assuring multiple faves, some preventative care content, and add-on riders for fresh protection.

Best Pet Insurance Companies of 2022

Why We Chose It

While Pet Assure doesn’t fall under the standard pet insurance marquee, its low cost and inflexibility make it our top pick for possessors of all types of pets.Pros & ConsPros

  • Low Yearly freights
  • Covers all types of faves
  • No periodic limits or deductibles
  • Not subject to staying ages
  • Pays for pre-existing conditions

Cons

  • Limited to in-network veterinarians (which number about)
  • . Covers only 25 of the costs
  • Conventions not covered

Coverage

Pet Assure offers plans for a single cat, a single canine, a family plan for over four creatures of any size, and an unlimited plan for all faves in your ménage. Stylish of all, there’s no waiting period before you can use your content. All of Pet Assure’s plans come with blinked veterinary services, including treatments related to:

  • Accidents
  • Illnesses
  • Preventive care
  • Pre-existing conditions

Pricing

Pet Assure insurance is pretty affordable, plus there is no deductible. You can save some money on your policy if you choose the annual billing option. These are the rates for each insurance plan:

  • Single cat plan: $9.95 per month 
  • Single dog plan: $11.95 per month
  • Family plan: $16.95 per month
  • Unlimited plan: $21.95 per month

Usage

Rather than paying for veterinary costs in full and out-of-fund, Pet Assure members simply need to visit a shared veterinarian and present their class information to get blinked services. The Pet Assure network limits you to one further than sharing stagers spread throughout the country and will repay 25 of veterinary costs.

  • Deductibles: None
  • Annual limits: None
  • Copays: 75%
  • Waiting period: None
  • Network size: 5,600 providers

BEST FOR ROUTINE CAREPetFirst

Investopedia’s Rating4.0

Best Pet Insurance Companies
  • Coverage types: Accident and illness, preventative
  • Starting price: $125 per year
  • Deductible:$250

PetFirst’s wellness rider gives the best value for routine care with flexible benefits that can be tailored to your average annual expenditure.Pros & ConsPros

  • Wellness benefits are available from $125 to $575 annually
  • Deductible of just $250
  • Accident coverage begins the day after enrollment
  • Online resource center

Cons

  • Each preventive treatment has its own individual limit
  • Accident and injury limits max out at $10,000 per year
  • Doesn’t offer an accident-only plan

Coverage

PetFirst offers a single insurance policy that provides coverage for pet injuries, illnesses, and related treatments, including:

  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam fees
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic care
  • Alternative therapies
  • Emergency care

You can begin using the accident content just one day after your registration begins, but you have to stay 14 days before using the content for ails.

Pet owners also have the option to add PetFirst’s Routine Rider Coverage, which pays for the cost of your pet’s annual vet exam, vaccines, behavioral training, microchipping, and more. This rider is available in five tiers, with $125 to $575 in annual coverage. Pricing

PetFirst’s accident and injury pet insurance plan have a fixed deductible of $250. You can get a personalized insurance quote through the website, but these are the starting premiums for accident and illness coverage:

  • Dog insurance: $15 per month
  • Cat insurance: $9 per month

The company also offers a handful of discounts. Professionals who work in certain fields, including with animals, are eligible for a 10% discount on their pet’s policy. Multi-pet families can save 5% or more. Usage

You can use PetFirst pet insurance at any licensed veterinarian in the United States, including emergency animal hospitals and specialists. Once you’re approved for coverage, you can begin using your accident plan one day after enrollment. However, you have to wait 14 days before you can use the coverage for illnesses.

  • Deductibles: $250
  • Annual limits: Up to $10,000
  • Copays: 20%
  • Waiting period: One day for accidents, 14 days for illnesses
  • Network size: Unlimited

BEST FOR MULTIPLE PETSASPCA Pet Health Insurance

Investopedia’s Rating4.0

Best Pet Insurance Companies
  • Coverage types: Accident, illness, and wellness
  • Starting price: $150 per year
  • Deductible: $100 to $500

The ASPCA Pet Health Insurance covers dogs and cats and also offers a 10% multi-pet discount, making it the best choice for homes with multiple furry family members.Pros & ConsPros

  • Multiple pet discount (10% off per pet)
  • Covers dogs and cats
  • Offers a smartphone app
  • Visit any licensed veterinarian in the U.S. or Canada

Cons

  • Not directly administered by the ASPCA
  • Wellness benefits subject to pre-treatment limits

Coverage

ASPCA partners with Crum & Forster Insurance to offer pet insurance for dogs and cats. There are two plans available—one that includes accident and illness coverage and an accident-only plan. You can start using your coverage after a 14-day waiting period, but you can use preventive care coverage the day after enrollment begins.

ASPCA Pet Health Insurance Complete Coverage policy includes the following coverages:

  • Accidents
  • Illnesses
  • Hereditary conditions
  • Dental diseases
  • Behavioral Health

ASPCA Pet Health Insurance Accident-Only Coverage policy exclusively pays for accident-related injuries and treatment, such as:

  • Torn ligaments
  • Bite wounds
  • Broken bones
  • Swallowed objects
  • X-rays
  • MRIs
  • Ultrasounds
  • Surgery
  • Hospitalization

In addition, pet owners can add a preventive care coverage rider to either policy to get coverage for vaccines, dental cleanings, routine screenings, and more. Pricing

The cost of ASPCA Pet Health Insurance depends on the type of pet you have, your pet’s age, and the specific plan. You can get a personalized quote online to see how much coverage will cost for your pet. Deductibles range from $100 to $500. For households with more than one pet, ASPCA Pet Health Insurance offers a 10% discount for each subsequent pet that you add to the policy. Usage

Getting care for your entire household of pets is incredibly easy through ASPCA Pet Health Insurance. Simply visit any licensed veterinarian in the United States or Canada, and save a copy of the bill. Once you’ve paid, it takes only a few minutes to snap a photo and upload it to the free My Pet Insurance app.

  • Deductibles: $100 to $500
  • Annual limits: Up to unlimited
  • Copays: 10% to 30%
  • Waiting period: 14 days for accident and illness coverage, one day for preventative care
  • Network size: Unlimited

BEST FOR EMERGENCIESEmbrace

Investopedia’s Rating4.0

Best Pet Insurance Companies
  • Coverage types: Accident, illness
  • Starting price:$145 per year
  • Deductible:From $200 (discounts available)

GET A QUOTEWhy We Chose It

In case of an injury, Embrace has plans that will cover your pet’s emergency bills at any licensed veterinary hospital. Accident benefits start after just two days, a shorter waiting period than most competitors.Pros & ConsPros

  • Covers emergency care and hospitalization at any licensed clinic
  • Short waiting period for accidents
  • Accident-only plan available
  • Vanishing deductible program

Cons

  • Doesn’t offer zero-deductible or unlimited benefit options
  • Additional fees for enrolling and paying monthly
  • Mediocre wellness options

Coverage

Embrace offers two pet insurance policies: one for accidents only and one for accidents plus illnesses. There is a two-day waiting period before you can use your accident coverage benefits and a 14-day waiting period for illnesses 

The Accident and Illness pet insurance policy from Embrace offers “nose to tail coverage” and includes a wide range of treatments and services, such as:

  • Hospitalization
  • Surgery
  • Exam fees
  • Emergency care
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer treatment
  • Behavioral therapy
  • Diagnostic screenings
  • Prescriptions
  • Rehabilitation

Embrace’s Accident-Only pet insurance plan is available for dogs (and is uniquely available for those over the age of 15). It covers costs related to:

  • Swallowed objects
  • Car accidents
  • Injuries
  • Poisoning
  • Cuts and lacerations
  • Prescription drugs for covered conditions

Embrace also offers Wellness Rewards for Routine Care riders, which helps pay for things like annual check-ups, vaccines, prescription diet food, and microchipping. Pricing

Pet insurance from Embrace starts at $145 per year, and it’s easy to get a customized quote online based on your pet’s age, breed, and the amount of coverage you want. Deductibles range from $200 to $1,000 for the accident and illness plan, while the accident-only plan has an annual deductible of $100. 

A unique aspect of Embrace is that it offers a Healthy Pet Deductible discount. For every year with Embrace that you don’t file an accident- or illness-related claim, the company will reduce your deductible by $50. There’s also a 10% multi-pet discount (one-time discount for policies with two or more pets), a 5% military discount, and a 10% discount if you get coverage through your employer. Usage

With an Embrace pet insurance policy, you can take your dog or cat to any licensed veterinarian office or animal hospital for treatment. Claims are filed online by logging into the MyEmbrace customer portal. Claims usually get processed within 10 to 15 business days as long as you include all the necessary information upfront. Keep in mind that you’ll need to wait 14 days before using your coverage for illness and two days for accidents.

  • Deductibles: $100 to $1,000
  • Annual limits: Up to $30,000
  • Copays: 10% to 30%
  • Waiting period: Two days for accidents, 14 days for illnesses
  • Network size: Unlimited

BEST FOR HOLISTIC CAREFigo

Investopedia’s Rating4.0

  • Coverage types: Accident, Illness
  • Starting price: From $92 per year
  • Deductible:$100 to $750

Figo is the friendliest insurer for pet insurance parents who prefer to seek alternative treatments for their pets.Pros & ConsPros

  • The base plan includes holistic care
  • Visit any licensed veterinarian
  • 24/7 virtual vet visits are available
  • 30-day money-back guarantee
  • Flexible customer service

Cons

  • Exam fees not covered in the base plan
  • Recommends an enrollment exam

Coverage

Figo offers three pet insurance plans that cover accidents and injuries. Coverage is available in three tiers—Essential, Preferred, and Ultimate—that include varying levels of annual coverage:

  • Essential plan: $5,000 
  • Preferred plan: $10,000
  • Ultimate plan: Unlimited

Figo’s accident and injury pet insurance policy includes coverage for the following treatments and services:

  • Emergency services
  • Hospitalization
  • Diagnostic testing
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer treatment
  • Surgeries
  • Holistic and alternative treatments
  • Behavioral Health

Figo has recently added a wellness plan to their mix. This is obtained by a Wellness Rider for preventative care and can be enhanced with the Extra Care Pack and Exam Fee power-ups.  

Before you can use your coverage, you’ll have to wait one day for an injury visit and 14 days for an illness visit. Plus, some orthopedic conditions can have a six-month waiting period. Pricing

Pet insurance from Figo starts at $92 per year, but we recommend getting a personalized rate quote online for your pet. Deductibles are available between $100 and $750. On its website, Figo mentions that discounts are available, but they vary by state and are subject to a maximum discount percentage. Your best option is to reach out to customer service and ask about the savings opportunities where you live. Usage

Figo doesn’t have any network limitations, so you can bring your pet to any licensed veterinarian, clinic, or animal hospital and file a claim for covered services, including holistic care. Just remember that there is a waiting period of three days for an injury visit and 14 days for an illness visit. In the meantime, you’ll have access to a 24/7 virtual veterinarian through Figo Pet Cloud in case you have any questions about your pet’s health.

  • Deductibles: $100 to $750
  • Annual limits: $5,000 to unlimited
  • Copays: 0 to 30%
  • Waiting period: One day for illness, 14 days for accidents
  • Network size: Unlimited

BEST FOR OLDER DOGSHartville

Investopedia’s Rating3.9

  • Coverage types: Accident, illness
  • Starting price: From $138
  • Deductible:$100, $250, or $500

GET A QUOTEWhy We Chose It

No matter how old your pet is, Hartville will let them sign up for a policy. Not only can senior dogs get accident-only coverage, but they can also still get illness and accident coverage too.Pros & ConsPros

  • No maximum age limit
  • Illness, accident, and wellness coverage for all ages
  • One-month trial period
  • Helpful online resources
  • Multiple pet discount (10% off per pet)

Cons

  • High premiums
  • Scheduled preventive care benefits
  • Long waiting period for injuries

Coverage

Hartville pet insurance covers all dogs and cats, regardless of their age. Policies are underwritten by Crum & Forster Insurance, which is the same insurer that provides coverage for the ASPCA.

There are two policies available from Hartville. The Complete Coverage policy includes coverage for accidents and illnesses, including conditions like:

  • Hereditary conditions
  • Dental diseases
  • Behavioral Health
  • Cancer
  • Hip dysplasia
  • Diabetes
  • Eye disorders

As an alternative, pet owners can buy an Accident-Only Coverage plan that exclusively pays for accident-related injuries and treatment, including:

  • Exam fees
  • X-rays
  • MRIs
  • Ultrasounds
  • Surgery
  • Swallowed objects

In addition, Hartville sells a Preventive Care Coverage rider which pays for the cost of routine wellness visits, vaccines, and dental cleanings. You must wait 14 days before you can use your plan for accidents and illnesses. Pricing

Pet insurance through Harville starts at $138 per year, but you can easily get a quote online for your pet’s age, breed, and the amount of coverage you want. You can select a deductible between $100 and $500, with the option for unlimited annual coverage limits (minimum of $5,000). Pet owners can save 10% on their premiums for each additional pet they insure. Usage

Hartville doesn’t work with a specific network of providers, so you can take your pet to any veterinarian in the country and you’ll be able to use your insurance to pay for covered services and treatments. Just remember that there’s a 14-day waiting period to use your coverage for both accidents and illnesses. After your pet’s visit, you can submit a claim online through the Member Center.

  • Deductibles: $100 to $500
  • Annual limits: $5,000 to unlimited
  • Copays: 10% to 30%
  • Waiting period: 14 days for accidents and illnesses
  • Network size: Unlimited

BEST FOR CHRONIC CONDITIONS24PetWatch

Investopedia’s Rating3.9

  • Coverage types: Accident, illness
  • Starting price: From $340 per year
  • Deductible: $100 to $1,000

If your pet battles a chronic condition, 24PetWatch’s $20,000 maximum annual limit will be more than sufficient to cover treatment. And, most pre-existing conditions are no longer excluded from coverage after 24 months without symptoms.Pros & ConsPros

  • High annual limit
  • Pre-existing conditions reconsidered after 24 months of symptom-free
  • Coverage includes trip cancellation and boarding
  • Visit any licensed veterinarian

Cons

  • Expensive premiums
  • A veterinary exam or medical records required
  • Age limits for dogs and cats
  • Plans difficult to understand

Coverage

24PetWatch offers four pet insurance policies for cats and dogs. The only difference between these policies is the annual limit available. Here’s how much coverage is offered with each plan:

  • The Extra Plan: $3,000 in annual coverage
  • The Classic Plan: $5,000 in annual coverage
  • The Superior Plan: $10,000 in annual coverage
  • The Champion Plan: $20,000 in annual coverage

Every plan from 24PetWatch covers accidents, illnesses, and related treatments, such as:

  • Exam fees
  • Hospitalization
  • Surgeries
  • Physical therapy
  • Lab tests
  • X-rays, ultrasound
  • Medications
  • Alternative treatments

Plus, 24PetWatch will pay up to $500 for additional costs without requiring a deductible or coinsurance. These extra coverages include:

  • Boarding kennel fees 
  • Trip cancellation 
  • Additional living expenses
  • Lost pet recovery costs

The starting price for a pet insurance policy from 24PetWatch is $340 per year. However, the actual price you’ll pay depends on the annual coverage limit you choose, the deductible, and the reimbursement percentage of your policy, in addition to your pet’s age and breed. Deductibles are available between $100 and $1,000 for most policies. Owners can receive a 5% discount for registering their pet’s microchip number. Usage

Pet owners can use a 24PetWatch insurance policy at any vet clinic or animal hospital in the United States. The waiting period is two days for accidents and 14 days for illnesses.

  • Deductibles: $100 to $1,000
  • Annual limits: $3,000 to $20,000
  • Copays: 20%
  • Waiting period: Two days for accidents, 14 days for illnesses
  • Network size: Unlimited

Read the full 24PetWatch pet insurance review

BEST FOR SERVICEMEMBERSUSAA

Investopedia’s Rating4.0

  • Coverage types: Accident, illness, wellness
  • Starting price: From $68 per year
  • Deductible: Not public

USAA is the go-to military provider for all types of insurance, and pet policies are no exception. Pet parents can qualify for up to a 25% discount on their premiums.Pros & ConsPros

  • Discounts of 15% to 25% for those who qualify
  • Visit any licensed vet in the U.S.
  • Multiple types of policies to choose from
  • Pre-existing conditions covered after one-year symptom-free
  • No age restrictions on accident-only plan

Cons

  • Only available to military members and their families
  • Takes 10 to 15 days to receive funds after claim approval
  • Unlimited benefits are not available
  • Policies administered by a third party

Coverage

There are several USAA pet insurance plans to choose from that are administered through Embrace, including accident-only coverage, accident and illness coverage, and a wellness benefits rider.

USAA’s accident-only pet insurance policy will pay for treatment related to incidents like:

  • Swallowed objects
  • Bites
  • Burns
  • Eye injuries
  • Toxic ingestion
  • Sprains
  • Broken bones

The accident and illness policy offer more robust coverage for the following health conditions, treatments, and procedures:

  • Breed-specific conditions
  • Emergency care
  • Cancer treatment
  • Surgery
  • Hospitalization 
  • Chronic conditions
  • Alternative therapies and rehabilitation
  • Congenital conditions
  • Prescription drugs
  • Diagnostic testing
  • Behavioral therapy


You can add the Wellness Rewards rider to your policy to get coverage for preventive and routine care, like vaccinations and microchipping. There is a two-day waiting period for injuries and a 14-day waiting period for illnesses. However, orthopedic conditions have a waiting period of up to six months. Pricing

USAA’s pet insurance coverage is extremely affordable. Policies start at just $68 per year. The company doesn’t disclose the deductible options, but when you buy coverage through Embrace directly, you can choose a deductible between $200 and $500. You can contact USAA to confirm which deductibles are available for the policy you want.

As a USAA member, you can automatically qualify for up to 15% off your pet insurance policy. If you have multiple pets or are current or former active duty military, you may get extra savings for a maximum discount of 25%.Usage

You can use USAA pet insurance at any licensed vet or animal hospital in the country, with no restrictions. Just remember that there’s a mandatory waiting period of two days for accidents and 14 days for illnesses. You can submit a claim online through the Embrace website, and you should get reimbursed between 10 and 15 days if the service is covered.

  • Deductibles: Not disclosed
  • Annual limits: Not disclosed
  • Copays: 10% to 30%
  • Waiting period: Two days for accidents, 14 days for illnesses
  • Network size: Unlimited

BEST AFFORDABLE PET INSURANCEProgressive

Investopedia’s Rating3.9

  • Coverage Types: Accident, illness, wellness
  • Starting Price: $6 to $9 per month
  • Deductible: $50 to $1,000

Progressive’s pet insurance policies start at just $6 per month, and there are multiple discounts available, making it one of the best affordable providers on our list.Pros & ConsPros

  • Affordable premiums
  • Discounts available
  • Easy to get a quote online
  • 24/7 Pet Helpline
  • Unlimited annual coverage limit option

Cons

  • Not much information online
  • Progressive doesn’t underwrite its own policies

Coverage


Progressive sells pet insurance through Pets Best, one of the leading pet insurance providers. There are three insurance plans available that cover accidents and illnesses, accidents only, and routine care. There is a three-day waiting period to use your coverage for accidents and 14 days for illnesses. 

The BestBenefit Plan is the accident and injury plan, which covers the following:

  • Accidents
  • Illnesses
  • Exam fees (optional)
  • Cancer treatments
  • Hereditary conditions
  • Emergency care
  • Surgery

The Accident-Only Plan covers treatment and medical services related to accidents, such as: 

  • Broken bones
  • Bites
  • Swallowed objects

Progressive also sells two preventive and routine care policies through Pets Best—the EssentialWellness Plan and the BestWellness Plan. These plans cover the same services and treatments, but they have different annual benefits. The EssentialWellness Plan includes up to $305 in annual benefits, and the BestWellness Plan includes up to $535 in annual benefits. Here is a brief list of services that these plans cover:

  • Teeth cleaning
  • Flea and tick prevention
  • Vaccines
  • Wellness exams
  • Blood work
  • Microchipping
  • Deworming

Pricing

Revolutionary harass nerve skim through Pets Pulse is brashly affordable, and most of the customs are advertised online. Nigh are the rates for the accident-only plan:

  • Accident-only plan for cats: $6 per month
  • Accident-only plan for dogs: $9 per month

The routine and preventative care plans are slightly more expensive, but they don’t require a deductible. Here’s how much you will pay for both cats and dogs:

  • EssentialWellness Plan: $16 per month
  • BestWellness Plan: $26 per month

If you are anxious about the BestBenefit Sighting fluke and hurt intention, you’ll dub to attain a personalized quote through Progressive’s website. The prices are based on the mark of the beast, the development, the deductible, and the minute-book movement limit. You foot put on a deductible of $50 to $1,000.

Addendum, Extremist offers several pet insurance discounts. You behind hold on to 5% on a BestBenefit uniform, supplementary selection 5% in a minute you insure more than one pet in your household. Congress

With nearly Innovative nudge gutsiness, you fundament up your irritant or cat to any licensed vet in the country. Submitting a statement online is unassuming, but keep off in exercise caution mosey you’ll be nimble directly with Pets Best. Circulate superlative pain in the neck indemnity providers, Revolutionary has a defer maturity of brace period for accident coverage and 14 days for illness coverage.

  • Deductibles: $50 to $1,000
  • Annual limits: $5,000 to unlimited
  • Copays: 10% to 30%
  • Waiting period: Three days for accidents, 14 days for illnesses
  • Network size: Unlimited
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