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Best Pet Insurance of 2024

Pet insurance helps pay for your pet’s medical care, with many policies covering up to 90 percent of your vet bill. Most leading pet insurance companies give pet owners comprehensive coverage at an affordable monthly premium.

The differences lie in the details and fine print. We evaluated the leading pet insurance providers in the U.S. and narrowed down our list so you can make a well-informed decision about the insurance that is best suited to care for your pet and your pocket.

Last Updated: March, 2024

Money’s Top Picks

  • Best for Older Pets

    Most pet insurance plans won’t write a new policy for an older pet — 12 is generally the typical cut-off age for dogs and cats.

    Pets Best does not have a maximum age limit so you could still get coverage on your aging pet. But, like all insurers, Pets Best won’t cover pre-existing conditions.

     

    If you have a healthy pet who’s getting on up there, Pets Best could be an option, with three different Accident & Illness policies to choose from (Essential, Plus, or Elite). And you can add two different wellness coverages to all three, for your pet’s routine care needs.

    Plans go up to 90 percent reimbursement. If you’re on a budget and are ok with more limited protection, consider Pets Best’s 70 percent reimbursement rate, which could cost just $9 a month for an Accident-only policy.

    Regardless of your choice, monthly fees rarely go over $50 for even the most comprehensive coverage levels.

  • Best for Dental Illnesses

    Embrace provides high coverage for dental illnesses: $1,000 per policy year in most states. The company covers extractions, root canals, crowns, gingivitis, and broken, chipped, or fractured teeth.

    Basic coverage starts at under $6 per month for cats and $12 for dogs, and covered treatment includes alternative therapies, rehabilitation, behavioral therapy, emergency veterinary care, specialist care, diagnostic testing (including x-rays and MRIs), hospitalization & surgery, prosthetics & mobility devices, prescription drug coverage.

     

    While routine care like cleaning and annual checkups are not included in the policy — as is the case with most pet insurance providers — they can be reimbursed by adding on a wellness plan at extra cost.

    The Optional Wellness Rewards plan offers additional coverage for wellness exams, training, grooming, vaccines, and spay or neuter surgery. This plan reimburses up to $650 per year in wellness treatments.

    Another benefit of Embrace is its shrinking deductibles. They can be set between $100 and $1,000, and every year you don’t file a claim, you’ll receive a $50 reduction. If your pet is healthy, your deductible can be reduced down to zero after several consecutive claim reimbursement-free years.

    Reimbursements can reach 90 percent, annual benefits are capped at $15,000, and monthly premiums start at $13 for dogs and $9 for cats. All claims can be submitted online, via email, fax, or mobile app.

    Pet insurance coverage from USAA and Geico can also be obtained through Embrace.

To Summarize: Best Pet Insurance Companies of 2024

In the end, the best pet insurance company in 2024 is the one that can offer you the best care for your pet at the lowest fee.

Still, our list of top picks can serve as a starting point to simplify your journey and point you in the right direction, when looking for the right option for you and your pet.