RATING: 9.5 (1339 reviews)*
Trupanion
- A large, publicly traded pet insurance provider.
- Coverage includes all genetic conditions and prescription medications (no restrictions).
- There’s a per-incident deductible.
- Doesn’t cover veterinary exam fees.
- Enrollment requires a $35 sign-up fee for the first pet on the policy.
- Provides a 24/7 customer support line.
- Offers direct payments to veterinarians instead of reimbursement to customers.
RATING: 9.9 (581 reviews)*
Healthy Paws Pet Insurance
- Excellent customer reviews.
- No restrictions on plans that cover genetic conditions and alternative therapies.
- Plan limitations include veterinary exam fees.
- Pets 8 years of age and older can enroll only to $500 deductible with 70% reimbursement plan.
- Offers a mobile app and paperless claims.
RATING: 9.7 (11 reviews)*
FIGO Pet Insurance
- Newest entrant to the pet insurance industry, with a high degree of technological innovation.
- Three flexible plans include coverage for prescription medications, veterinary exam fees, behavioral care with limits, all genetic conditions, and optional 100% reimbursement with no annual limits.
- Covers holistic and alternative therapies if performed by a licensed vet.
- Mobile app and pet cloud available to manage pet’s health from anywhere.
- An exam within the previous 12 months is required to determine any pre-existing conditions.
RATING: 9.4 (534 reviews)*
Petplan
- Excellent customer feedback.
- No upper age limits on enrollment.
- Plans include comprehensive coverage, including all hereditary and chronic conditions, alternative therapies, prescription medications including dietary supplements, dental coverage, non-routine exam fees and office visits, and behavioral treatment.
- $25 new policy enrollment fee and prices are at the high end of the spectrum.
- 24/7 support and access to “fetch a vet” veterinary inquiry service.
- Fast, paperless claims available via Petplan mobile app.
RATING: 9.2 (457 reviews)*
ASPCA Pet Health Insurance
- One of the oldest pet insurance providers in the industry.
- Plans cover bi-lateral conditions and prescription medication.
- Limitations include per-incident caps and genetic condition caps.
- No waiting period for incidents.
RATING: 8.2 (278 reviews)*
PetsBest Pet Health Insurance
- Plans include extensive coverage, including behavioral care, genetic conditions, hip dysplasia, and alternative therapy (some restrictions apply).
- Pregnancy is covered for most breeds.
- Initial exam is required to enroll.
- There is a $2 monthly installment fee.
- Low customer review ratings.
RATING: 7.6 (127 reviews)*
petfirst
- Plans include extensive coverage, including genetic conditions, bi-lateral, alternative therapies, and prescription medications.
- Has a per-incident deductible.
- Low customer review ratings.
- Offers a healthy pet discount.
RATING: 6.6 (89 reviews)*
Nationwide Pet Insurance
- The first and largest pet health insurer in the U.S. (known formerly as VPI).
- Offers dog, cat, bird, and exotic pet insurance.
- Has low customer reviews that carrier attributes to discontinued plans.
- Offers Whole Pet with Wellness plan that provides comprehensive coverage, including routine care and wellness, at a premium price.
- Provides 24/7 veterinary phone support for urgent medical emergencies or pet health questions (free and unlimited for members).
RATING: 9.3 (1129 reviews)*
Embrace Pet Insurance
- Plans cover all genetic conditions, behavioral care, and experimental treatments.
- Bi-lateral coverage not included with any plans.
- Has one of the best reimbursement models by subtracting the deductible and then the co-pay.
- Requires an initial exam to get enrolled.
- Prescription medication is only covered if directly administered by a veterinarian; otherwise requires an optional Prescription Drug Coverage.
RATING: 2.7 (53 reviews)*
24PetWatch
- Provides competitive coverage.
- Plans cover boarding and kennel fees, trip cancellation, lost pet recovery costs, and more.
- Low ratings in customer service based on customer reviews.
- Cover 50% cost of prescribed therapeutic food.
- Offer Lost Pet Recovery Service.
RATING: 8.6 (11 reviews)*
PetPremium
- One of the newest pet insurance providers on the market.
- Plan levels 3 & 4 offer excellent coverage, including genetic conditions and alternative therapies.
- There are per incident limits of $2,500 to $7,000 on all plans.
- There is a monthly installment fee.
- The only provider to offer dog liability insurance.
RATING: 7.8 (19 reviews)*
AKC Pet Insurance
- Provided by PetPartners.
- Pet should be younger than 9 years old to enroll in incident and illness plans.
- Per-incident limitation could be considered a drawback.
- $4 monthly billing fee is unusually steep.
Compare each provider's plans and save!
*Ratings by Pet Insurance Review, June 2016
