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Last Updated: May 2022

Best Pet Insurance of 2022

We evaluated the leading pet insurance providers in the U.S. and narrowed down our list so you can make a well-informed decision

Money's Partners
Money's Recommendation
Our Partner
Our #1 Choice
Best for Dental Illnesses
  • No networks, visit any vet in the world
  • Up to 90% back on vet bills 
  • Up to unlimited maximum annual payout
  • Best dental illness coverage, no extra costs, no exam needs
Full Analysis
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Our Partner
Our #1 Choice
Best 100% Coverage
  • Up to 100% reimbursement, depending on the plan selected
  • Plans averaging less than $1.50 per day
  • Innovative cloud-based platform to manage your pet's lifestyle
  • Visit any licensed emergency hospital, vet practice, or specialist
Full Analysis
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Our Partner
Our #1 Choice
Best for Multiple Pet Households
  • 10% discount for each additional pet you enroll
  • Coverage remains consistent as your pet ages - no breed or upper age restrictions
  • Dental illness and hereditary conditions covered at no extra cost
  • 90% reimbursement rate for vet bills
Full Analysis
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Our Partner
Our #1 Choice
Best for Older Pets
  • 24/7 veterinary support line for all customers
  • No annual or lifetime limits
  • Cover up to 90% of your pet's unexpected veterinary costs
  • No hereditary or congenital condition limitations
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Money's Top Picks

  • Embrace
    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.

  • FIGO
    Best 100% Coverage

    FIGO has been around less than 10 years but has been growing in market share for two reasons: easy online access, lots of technology, and robust coverage.

    FIGO offers three different plan tiers to choose from, all of which cover hereditary, congenital, and chronic conditions. Each policy has its annual limits, starting at $5,000 up to “unlimited.” You should be aware that depending on the state and age of the pet, some policies may also have a lifetime limit of $100,000 for the most inexpensive plan.

    Based on your plan, deductible, and reimbursement choice, you can receive up to 100 percent back of covered procedures — though, of course, this does require a higher premium.

    All policyholders can use FIGO’s cutting-edge app for 24/7 access to a live vet. You can reach customer service representatives via live chat, text, email, Twitter, and over the phone. The app also sets up reminders for veterinary appointments and even has a Pet Cloud feature to connect with other pet parents and places.

     

    FIGO makes shopping simple. All its plans cover the same expenses — hospitalizations, emergency care, diagnostic testing, cancer treatments, and hereditary, congenital, and chronic conditions. However, none of them cover exam fees, though this can be added for a small monthly fee.

  • Pumpkin
    Best for Multiple Pet Households

    If you have a household with multiple pets of all ages, you can apply for Pumpkin’s pet insurance and qualify for a 10% multiple pet discount for each additional pet. This applies to older pets too, and they will not be subject to either reduced coverage or outright denial of coverage solely because of their older age.

    Pumpkin’s coverage for accidents and illnesses includes standard items like MRI’s, CT scans, surgery, prescription meds and hospitalization. The policy also extends to behavioral issues, microchip implantation, and even alternative therapy.

     

    Dental disease counts as a covered illness as well, (including exams, procedures and medication) but like most other pet insurances, it will not cover routine dental cleanings. Adding an optional preventative care pack onto your policy will extend coverage to annual wellness exams, vaccinations and lab tests for parasites.

    Monthly premiums for Pumpkin’s policies will depend on the pet's age, breed and the deductible and annual limit you chose. For cats, the annual maximum coverage tops out at $15,0000, while dogs can be insured for up to $20,000. After the deductible is met — which can be $100, $250 or $500 — Pumpkin will cover 90% of eligible expenses related to accidents and illnesses.

    Pre-existing conditions are not covered. For all limitations visit pumpkin.care/insurancepolicy. Insurance is underwritten by United States Fire Insurance Company and produced by Pumpkin Insurance Services Inc. Pumpkin Preventive Essentials is offered as an optional non-insurance benefit, and is not available in all states.

  • Pets Best
    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.

Money's Partners
Money's Recommendation
Our Partner
Our #1 Choice
Best for Dental Illnesses
  • No networks, visit any vet in the world
  • Up to 90% back on vet bills 
  • Up to unlimited maximum annual payout
  • Best dental illness coverage, no extra costs, no exam needs
Full Analysis
More Info Less Info
Our Partner
Our #1 Choice
Best 100% Coverage
  • Up to 100% reimbursement, depending on the plan selected
  • Plans averaging less than $1.50 per day
  • Innovative cloud-based platform to manage your pet's lifestyle
  • Visit any licensed emergency hospital, vet practice, or specialist
Full Analysis
More Info Less Info
Our Partner
Our #1 Choice
Best for Multiple Pet Households
  • 10% discount for each additional pet you enroll
  • Coverage remains consistent as your pet ages - no breed or upper age restrictions
  • Dental illness and hereditary conditions covered at no extra cost
  • 90% reimbursement rate for vet bills
Full Analysis
More Info Less Info
Our Partner
Our #1 Choice
Best for Older Pets
  • 24/7 veterinary support line for all customers
  • No annual or lifetime limits
  • Cover up to 90% of your pet's unexpected veterinary costs
  • No hereditary or congenital condition limitations
Full Analysis
More Info Less Info