Review of the Top 7 Pet Insurance Providers
Pet Insurance coverage sure has changed a lot since we bought our first policy in 1999. Luckily, for the most part, it has gotten a lot better. We researched and reviewed the seven companies below. Costs and coverage vary, and we are sharing what we were quoted for our dog for comparison. What is best for you might not be the same for another pet owner.
Our objective is for this information to help you make an informed decision, and regardless of which policy you choose, we feel confident in saying coverage from any of these companies is better than no coverage at all.
Click to see our Review Criteria
Healthy Paws
With Healthy Paws Pet Insurance & Foundation, you can give your pet the best medical care possible. Our top-rated pet insurance plan covers everything that matters including accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.
GOOD – Coverage Type: Comprehensive. All accidents and illnesses except pre-existing conditions.
GOOD – Benefit Limits: Unlimited.
GOOD – Deductible Type: Annual. (70%, 80%, 90% reimbursement), ($100, $250, $500 annual deductible)
GOOD – Payout Model: Actual Veterinary Bill.
Embrace
Your best friend deserves the best care.
GOOD – Coverage Type: Comprehensive. All accidents and illnesses, including any hereditary or congenital conditions, for life except pre-existing conditions.
POOR – Benefit Limits: Limited. $10,000 Annual Maximum.
GOOD – Deductible Type: Annual Deductible. $200 Deductible, 80% Reimbursement.
GOOD – Payout Model: Actual Veterinary Bill
Pet’s Best
Plans from $16/month. Get a Pet Insurance Quote.
GOOD – Coverage Type: Comprehensive. All accidents and illnesses, including any hereditary or congenital conditions, for life except pre-existing conditions. (NOTE – Florida and South Carolina residents: limited coverage for hereditary conditions and no coverage for congenital conditions. Waiver for 12-month waiting period on seven conditions is not available. Please contact us or review the policy form for your state for more details.)
POOR – Benefit Limits: Limited. Annual ($5K, $10K, $20K) and Lifetime ($100K, $150K, $200K).
GOOD – Deductible Type: Annual Deductible. $0 – $1,000 Deductible, 70%, 80%, 90%, 100% Reimbursement.
GOOD – Payout Model: Actual Veterinary Bill
Trupanion
More Love, Less Worry, One Simple Plan. 90% Coverage. No Payout Limits.
GOOD – Coverage Type: Comprehensive. All accidents and illnesses, including any hereditary or congenital conditions, for life except pre-existing conditions.
GOOD – Benefit Limits: Unlimited.
GOOD – Deductible Type: Lifetime deductible – only needs to be met once per incident or condition for the life of the policy.
GOOD – Payout Model: Actual Veterinary Bill
Fetch Pet Insurance
Fetch by The Dodo brings together insurance industry expertise and the animal-loving sensibility of The Dodo, the #1 animal brand in the world. Sign up with our link here to save 10% for a year. When you do, be sure to send us a note and tell us your favorite pet food charity to benefit.
GOOD – Coverage Type: Comprehensive. All accidents and illnesses, including any hereditary or congenital conditions, for life except pre-existing conditions.
POOR – Benefit Limits: Limited ($10,000, $14,000, $22,000) *Note about some States policy limits at $8,000, $12,000, and $20,000
POOR – Deductible Type: Per illness/injury. (80%, 90%, 100% reimbursement), ($50, $100, $200 incident/illness deductible) This means if I have two claims in the same year, I pay the deductible each time.
GOOD – Payout Model: Actual Veterinary Bill
ASCPA
High vet Bills Got You Down? Get Back Up To 90% With Pet Insurance.
POOR – Coverage Type: Offers both Comprehensive and Non-Comprehensive. The first plan they recommend only covers Injuries, Chronic Conditions, and Illnesses. Hereditary & Congenital Conditions are not included.
POOR – Benefit Limits: Limited. $2,500 – $7,000 per Incident (No limit on number of claims each year).
GOOD – Deductible Type: Annual
POOR – Payout Model: Benefits Schedule.
NOTE: Coverage for Behavioral Issues is nice. This includes coverage for Consultations, Exams, Lab Testing, and Prescription Medications to diagnose, treat, or correct behavioral issues. Level 3 also covers your pet for behavioral issues, up to $150 per year. Services need to be performed by a licensed veterinarian or by a Certified Animal Behaviorist with a referral from a veterinarian. This coverage does not include obedience classes.
VPI Pet – Now Nationwide
VPI’s got you both covered.
POOR – Coverage Type: NOT Comprehensive. Limited hereditary coverage after the first year. Does not cover congenital condition.
POOR – Benefit Limits: Limited. Maximum Annual of $14K
GOOD – Deductible Type: Annual
POOR – Payout Model: Benefits Schedule.
