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By Noel Dávila and Paul Reynolds
Updated: April 16, 2021 8:17 AM ET | Originally published: March 30, 2021

Pet insurance helps pay for your pet’s medical care, with many policies covering up to 90 percent of your vet bill — assuming your pet’s procedure wasn’t excluded from coverage or didn’t surpass your annual expense cap.

Most leading pet insurance companies give pet owners comprehensive coverage at an affordable monthly premium. Yet a study we conducted in March 2021 found that only 25% of pet owners have pet insurance. Shop around, do the research, and then make a well-informed decision about the insurance that is best suited to care for your pet and your pocket.

Money’s Top Picks for Best Pet Insurance of 2021

Honorable Mentions: Pumpkin, 24PetWatch, Hartville, Pet Assure

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Pet insurance offers coverage for accidents, illnesses, injuries, and routine exams, allowing you to properly care for your loyal companion. Click on your state to see how you can protect your four-legged friend!
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10 Best Pet Insurance Companies Reviews

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Healthy Paws Review

Best Value
Pros Cons
No caps on claim payouts No wellness plan
Unlimited annual benefits 15-day waiting period for accident and illness
99% of claims processed in 2 days Charges a one-time $25 fee
Submit claims via email, fax, online, or using the Healthy Paws’ mobile app Age restrictions
Visit any licensed veterinarian

Healthy Paws plans start at $15 per month for cats and $20 for dogs, with no limit to how many claims you can make, making it the best value compared to the competition.

Healthy Paws offers one pet insurance plan covering accidents, illnesses, surgeries, prescription medications, hospital stays, and emergencies. You can visit any licensed 24-hour emergency animal hospital and see any specialist such as ophthalmologists, radiologists, cardiologists, oncologists for cancer care, and internal medicine experts without a referral. Healthy Paws covers pets aged six and older with a full accident and illness policy with unlimited lifetime coverage.

Like many pet insurance companies, Healthy Paws does not cover pre-existing conditions, veterinary exam fees, or behavioral therapies. They also exclude hip dysplasia in animals enrolled after age six, and there is a 12-month period waiting. Preventative care such as vaccinations, flea control, heartworm medication, deworming, nail trimming, and grooming are not covered. Neither are parasite control, spaying, and neutering, or dental health.

Age restrictions also apply, with pets older than eight years old restricted to 60% reimbursement and a $750 annual deductible. If your pet is older than six, Healthy Paws requires that your pet have a physical exam within 30 days prior to policy purchase or within the first 15 days of issuing the policy.

Healthy Paws Foundation’s Every Quote Gives Hope Program gives a donation towards a homeless pet’s medical care with every free pet insurance quote.

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Embrace Pet Insurance Review

High coverage for dental illnesses
Pros Cons
Accident-only plan available No unlimited benefit options
Emergency care and hospitalization at any licensed clinic Accident and illness only covers pets age 14 and younger
Vet exam fees covered Limited wellness benefits
Optional Wellness Rewards Program
24/7 Pet Health Line
Diminishing deductible

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 is under $6 per month for cats and $12 for dogs, covering:

  • 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 with a wellness rider.

This Optional Wellness Rewards plan offers additional coverage for wellness exams, training, grooming, vaccines, and spaying or neutering. This plan reimburses up to $650 per year.

Another Embracebenefit is its shrinking deductibles. They can be set between $100 and $1,000, and for 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:

USAA Pet Insurance Review

Pros Cons
Deductibles capped at $200 Only available to members of the military and their families
Annual coverage up to $30,000 No bundling with other insurance
Customizable policies Senior pets are limited to accident-only coverage
Accident coverage in 48 hours Coverage limited to the U.S.

USAA offers accident-only or accident and illness policies through Embrace, with an optional wellness rider. Claims and customer service are also handled through Embrace. We didn’t like how sparse USAA’s pet insurance page was, with very little information on policies.

GEICO Pet Insurance Review

Pros Cons
More discounts than any other insurer No bundling with other GEICO policies
Discounts are stackable up to 25% Waiting period for accidents is 14 days
Covers some curable pre-existing conditions Basic website with few resources

While GEICO does offer more discounts than other insurers — including multi-pet, spaying/neutering, and annual pay — it falls short of other companies in other ways. There’s no unlimited annual benefits option, full reimbursement, or $0 deductible.

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Petplan Review

Coverage for pets begins early at six weeks old
Pros Cons
No sign-up fees No preventive care coverage
VirtualVet visits included No multi-pet discount
Boarding fees reimbursement for up to $1,000 For coverage to apply, you must take your dog or cat to the vet within 48 hours of noticing symptoms
No lifetime or per condition claims limit
Visit any vet

Petplan insures pets beginning at six weeks old for puppies and kittens. When you buy a policy this early, you won’t have to worry much at all about exclusions for pre-existing conditions.

Petplan covers some hereditary and congenital conditions if symptoms weren’t present before you bought coverage. Pets age 10 and up are limited to a policy with a $15,000 annual limit, $750 deductible, and 70% reimbursement for covered services.

Comprehensive dental care is covered, including dental injury and disease to all teeth, as well as coverage for chronic and hereditary conditions. Petplan will also reimburse you up to $1,000 for boarding fees if your pet needs to be hospitalized — no copay or deductible required.

Since Petplan doesn’t provide additional coverage, no form of preventive care is covered, including routine & wellness exams, microchipping, vaccinations, and grooming.

Monthly premiums start at $19 for both dog insurance and cat insurance. Annual benefit caps can be set anywhere between $2,500 to unlimited, while deductibles range from $100 to $1,000.

Reimbursement is available for non-standard expenses such as trip cancellations and owner hospitalization, and what the company calls a “reasonable reward” for any ad costs incurred from trying to find a lost pet.

Trupanion Review

★ Straightforward policy covers hereditary conditions
Pros Cons
Lifetime per condition deductibles No preventive care coverage
Coverage for hereditary and congenital conditions No discounts
Pet owner assistance package Trupanion only accepts monthly payments
All plans include 90% coverage
24/7 customer service

Trupanion stands out from the field by offering just one policy for dogs and cats, including coverage for hip dysplasia and other hereditary conditions such as diabetes, thyroid disease, and upper respiratory infections.

Monthly premiums start at $59 for dogs and $32 for cats. A Trupanion policy covers new, unidentified issues such as vomiting, diarrhea, and cough. Their basic plan also covers congenital conditions such as heart disease, cataracts, liver disease, and nervous system issues.

For an extra cost, Recovery and Complementary care for non-clinical procedures such as acupuncture, chiropractic, behavioral modification, rehabilitative therapy, and more are also available.

There are no set limits for any benefits, (whether per-incident, monthly, or lifetime), and you could even set your deductible at $0. Trupanion also offers a lifetime per condition deductible, where you only pay a deductible if your pet develops a new condition. Once your deductible is paid, your policy pays out at 90% for anything related to that condition for the rest of your pet’s life.

If your veterinarian uses Trupanion’s direct payment software, Trupanion pays the vet directly without your filling out a claim.

Nationwide Pet Insurance Review

The best company for exotic animals
Pros Cons
Lifetime per condition deductibles No plan customization
Current Nationwide members save 5% on a pet insurance policy Limited online services
No age restrictions Policies are more expensive than average

Nationwide is the only pet insurance company of its size that offers coverage for exotic animals, including most birds, reptiles, small mammals such as hamsters, guinea pigs, and rabbits, and even goats and pot-bellied pigs. Exotic animals that fall under venomous or endangered categories and any animal not explicitly listed on their website aren’t eligible.

Plans vary by species, and you might need to call to find out which options are available. Nationwide’s monthly premiums start at $34 for dogs and $18 for cats, and there are three pet insurance plans: Whole Pet with Wellness, Major Medical, and Pet Wellness.

Whole Pet with Wellness includes complete coverage and wellness protection in one plan and 90% coverage on vet bills:

  • accidents and illnesses
  • surgeries and hospitalization
  • prescriptions
  • medical conditions
  • vaccinations
  • hereditary conditions (no waiting period)
  • wellness exams
  • flea/heartworm prevention
  • and more

Major Medical coverage is a more budget-friendly plan for standard medical costs such as accidents and illnesses, surgeries and hospitalization, prescriptions, and chronic conditions. Some hereditary conditions are covered, but only after a 1-year waiting period.

The company offers two types of reimbursement models. The first is based on a percentage of the invoice (up to 90 percent) and has no limits. The second has a benefit schedule and reimbursements are capped at a set amount depending on the condition.

Annual deductibles are set at $250, with all claims filed via snail mail, fax, or email.

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ASPCA Pet Insurance Review

Great basic coverage for multiple pets
Pros Cons
No waiting period for preventive care Preventive care riders work on an itemized basis, not an annual limit
Visit any vet – no network required Unlimited coverage is not an option
Affordable monthly premiums 14-day waiting period for accidents and illnesses
Reimburses alternative therapies

The American Society for the Prevention of Cruelty to Animals (ASPCA) offers several pet insurance policies underwritten by the United States Fire Insurance Company. There’s no network — you can visit any vet in the U.S. or Canada.

All policies include a 10 percent discount that applies to each additional pet, so one policy can cover multiple pets. While the most expensive pet to insure won’t receive the discount, all your other pets will.

ASPCA’s Complete plan covers accidents and illnesses and even behavioral health issues. They also offer Accident-only coverage, and stand out from most pet insurers by providing two different policies for horses: Colic, Accidents, and Illnesses or Colic and Accidents.

All pets can have two different wellness riders added to their policies for preventive care. While exact limits on treatments differ by animal, these riders work on an itemized basis, rather than the more common annual limit for any wellness procedure.

ASPCA monthly premiums are more affordable than most insurers, with annual limits going as low as $3,000.

You could get 70 to 90 percent reimbursement for covered costs deposited directly or paid via check.

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PetFirst Review

For pet owners who want preventive care coverage
Pros Cons
Accident coverage after just 24 hours No accident-only coverage
Extensive coverage and customizable limits Low annual limits
IVDD and cruciate ligament issues are also covered after a 6-month waiting period Preventive care treatments have individual annual limits
Offers a Senior Pet Insurance Plan

PetFirst Pet Insurance’s routine care coverage excels precisely because it defines preventive care so broadly. You could buy a plan to cover your pet’s vaccines, dental care, parasite prevention, spaying and neutering, and even behavioral training.

Riders for routine care can be purchased with annual benefits between $125 and $575. However, each specific treatment carries its own limit per policy term within that total amount.

PetFirst is owned by MetLife, a leading dental, health, and auto insurer. PetFirst offers three plans, each with a $250 deductible and 80 percent reimbursement rate for covered expenses. Each plan sets a different annual coverage limit, between $2,000 and $10,000.

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TrustedPals Review

Best for flexible deductibles and copays
Pros Cons
Covers prescribed behavioral training, therapy, and treatment Wellness plan has a $750 reimbursement limit
Includes prescribed drugs, nutritional supplements, and pet food 12-month waiting period for ligament and hip dysplasia
Claims paid in up to ten days

TrustedPals provides standard coverage for dogs and cats for pets aged 8 weeks and older, with no maximum age limit. There are no restrictions on chronic illnesses if they begin after the policy effective date.

TrustedPals covers expenses for vet visits, surgeries, hospital stays, and lab work, as well as prescription medications. Your policy will also cover vet-prescribed alternative treatments such as acupuncture and hydrotherapy. See their sample policy to learn more.

If your pet is fully cured when you take out your policy, TrustedPals will cover a pre-existing condition if it recurs.

You’ll get the same coverage regardless of the premium paid, as the cost of insurance isn’t tied to benefits. Instead, your premiums will be determined by what type of pet you have (cat or dog), the age of your pet, your location, and how you customize your plan.

Once you apply for a quote, TrustedPals will present four different premium options to choose from. These include annual benefit limits ranging from $4,000 to $15,000, as well as an unlimited benefit option. You can then customize your policy by selecting your deductible (from $0 to $750 per year) and the amount of your reimbursement percentage (from 70% to 100%).

TrustedPals also offers a wellness plan as an add-on, covering yearly vet exams, vaccination, preventive dental cleaning, and spaying or neutering.

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PetsBest Review

Competitive pricing
Pros Cons
Offers accident-only and wellness plans for a flat rate Doesn’t cover holistic, herbal, or experimental therapies
24-hour helpline staffed by veterinary experts Accident and Illness plan won’t cover prescribed diet, vitamins, or supplements
Very low premiums
Direct reimbursement to your vet, meaning less out-of-pocket for you

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.

Pets Best has 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.

Finally, Pets Best allows pet owners flexibility with regards to annual limits, deductibles, and reimbursement levels, which go up to 90 percent.

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.

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Figo Review

The tech-savvy company that can pay up to 100 percent of covered expenses
Pros Cons
App makes customer service accessible and easy to use, and provides 24/7 virtual vet visits Some policies have lifetime limits of $100,000
Zero network needed across the US, Canada, and Puerto Rico Unlimited policy has an annual $20,000 upper limit in Washington and Massachusetts
Short waiting period of just 3 days for injuries and 14 days for illnesses
30-day money back policy, provided you haven’t filed any claims

FIGO offers easy online access, robust coverage, and lots of technology with 24/7 access to a live vet.

There are three different plan tiers to choose from, all of which cover hereditary, congenital, and chronic conditions. Each policy (click here for a sample policy) has its annual limits, starting at $5,000 up to “unlimited.” 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.

All of FIGO’s 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.

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

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.

Honorable Mentions

When we were narrowing down our list, a few companies stood out but didn’t quite meet the requirements we’d set for our top ten list.

Pumpkin Review

Launched at the end of April 2020, Pumpkin is a relative newcomer. Their accident & illness coverage includes MRI’s, CT scans, surgery, prescription meds, hospitalization, as well as the less common behavioral issues, microchip implantation, and even alternative therapy. Dental disease counts as a covered illness as well, (including exams, procedures, and medication) but it will not cover routine dental cleanings. Adding an optional non-insurance preventative care pack to your policy will extend coverage to annual wellness exams, vaccinations, and lab tests for parasites.

Households with multiple pets can apply for Pumpkin’s pet insurance and qualify for a 10% discount for each additional pet. Pumpkin plans also include coverage for older pets who won’t be subject to either reduced coverage or outright denial of coverage due to old age.

Monthly premiums for Pumpkin’s policies will depend on the pet’s age and breed, as well as the deductible and annual limit. For cats, the maximum annual 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 expenses related to accidents and illnesses.

24PetWatch Review

While 24PetWatch offers policies and wellness plans with short waiting periods and low deductibles, they didn’t make our list due to its complicated pricing structure and limited policies. Dogs age out at 10 years and cats at 12, as well, when it’s difficult to find another company willing to begin coverage. Further, its few discounts make their plans slightly more expensive than the competition.

Hartville Review

The only company to partner with the ASPCA, Hartville has a long history in the pet insurance industry. Their policies offer excellent coverage, but it comes at a price — expect to pay a minimum of $15 per month per cat and $25 per month per dog. What’s more, once your dog is over 5 years old, illness benefit premiums go up considerably. And individual wellness benefits are capped at a specific annual limit.

Pet Assure Review

To be clear, Pet Assure is not pet insurance, but rather a discount plan that offers 25% off on all in-office medical procedures. While the program has participating veterinarians in all states, Puerto Rico and Canada, the number of providers by location is limited. Though we liked their affordable rates and lack of exclusions (pets of all ages are accepted, even with pre-existing conditions), Pet Assure didn’t make our cut because it’s not actually pet insurance. However, it can be a great alternative, provided your vet accepts it.

Pet Insurance Guide

How Pet Health Insurance Works

  • Waiting Periods: Your insurance coverage won’t pay until you’ve completed a waiting period. Most companies require at least 14 days after enrollment before reimbursing you for a vet visit your pet needs for an illness.
  • Exclusions: Pet insurance policies usually exclude specific conditions in the policy’s language. Be sure to read your policy before buying it so you’ll know how your pet insurance works.
  • Network Restrictions: Similarly to human health insurance, not all pet insurers reimburse for services provided by any vet. Some limit coverage to a specific network. We’d recommend the former over the latter, just to make sure you’re covered anywhere in the United States. Some pet insurers will even cover your pet when you’re traveling in Canada or Puerto Rico.

What Increases and Lowers Premium Costs

  • Pre-existing Conditions: Pet insurance providers will not reimburse you for conditions your dog, cat, or other pet already had before you bought the pet insurance policy.
  • Preventative Care Add-Ons: You’ll get the best value from an accident or illness coverage plan, but you could add-on coverage for preventative care. Policies that cover routine care and accident or illness care are called comprehensive coverage.
  • Pet Age: After your dog or cat reaches age 12, your choices for new coverage will diminish significantly. To have the most options, buy a policy before your pet reaches an advanced age.
  • Deductibles: With many plans, you set the deductible, which is the money you must pay before your insurance policy kicks in. Watch out for per-incident deductibles. Per-year deductibles provide a better value.

Additional expenses to keep in mind

  • Reimbursements: You pay for all vet visits and charges and then file for a reimbursement. The best plans typically reimburse 90 percent of a covered expense.
  • Payout Caps: Most plans stop reimbursing after you’ve reached your policy’s maximum coverage amount. Most policies have an annual expense cap, but some have caps per incident (illness or injury) or even for the animal’s lifetime. Expect to pay higher premiums for higher caps.

Caring for Your Pet

Veterinary Care and COVID-19

During the coronavirus pandemic, the rise in pet ownership overall has veterinary services in high demand.

But when should you take your pet to the vet? Before running out to visit your pet care provider, consider the following:

Urgent Care vs. Routine Check-Ups

It is generally recommended that elective procedures be postponed as long as possible so that veterinary offices can avoid a higher number of patients. However, urgent matters such as accidents, respiratory problems, and poisonings require immediate medical attention.

Depending on the hospital, it might be operating in-person or with curbside service, making it important to be prepared for either scenario. If an emergency trip is warranted, make sure to adhere to CDC guidelines regarding masks and social distancing.

Many health providers also present alternatives for non-urgent yet essential procedures, such as booster shots, vaccinations, and physical therapy.

Telemedicine

Some vets might opt for a telemedicine alternative, using a video chat to observe the patient and provide medical advice without having direct physical contact. This can serve various purposes, such as postoperative follow-ups or visual confirmation to determine whether a case is urgent or non-urgent.

Can My Pet get Coronavirus?

Although there have been animal cases and deaths related to COVID-19, the CDC states there is no evidence that pets can significantly spread the virus and animal-to-human transmission is highly unlikely.

Nonetheless, extra precautions should be taken if you have either received a positive test or suspect being infected. The general rule is to treat your pet as you would a person, maintaining distance whenever possible and wearing a face covering to avoid transmission. If possible, have another person take care of the pet while you’re infected. Although the chances of spreading the virus are extremely low, it doesn’t hurt to be prepared.

Caring for Your Pet in the Social Distancing Era

Aside from the aforementioned veterinary care, there are other measures you can take as a pet owner to keep them healthy and happy.

  • Make sure to have enough prescriptions such as heartworm, parasite, flea, and tick medicine, as well as any maintenance drugs.
  • Stock up on food. To avoid unnecessary visits to the pet store or supermarket, consider online services that deliver the food directly to your door.
  • Work on your mental and physical health. Pets pick up on their owners’ feelings, which means that your anxiety can also affect them, especially now that people are spending more time at home. By taking care of yourself and other household members, pets can feel more at ease with the unusual amount of human contact.
  • Exercise your pet as much as you can. Although stay-at-home ordinances and self-isolation protocols can limit the time you spend with your pet outside, there are other ways to keep them active, such as playing fetch, basic training techniques, and food puzzle activities. If you’re fortunate enough to be able to enjoy the outdoors, take them for a walk following safety precautions.

Pet Insurance FAQs

Is pet insurance worth it?

Knowing whether pet insurance will pay off for you depends on your needs and your pet’s health care needs. Before buying a plan, consider its costs vs. its potential benefits. Any kind of insurance provides a service that’s not measured as a dollar amount — giving you the peace of mind that comes with knowing you won’t be facing expensive vet bills all on your own.

How much is pet insurance?

Pricing your pet insurance premium will depend on many factors, including 1) your pet’s type, gender, and breed; 2) your pet’s age; 3) your location; 4) coverage types; 5) deductible and reimbursement level. The more expensive it is where you live, whether it’s California or New York City, the more expensive your pet insurance will be. The cost of pet insurance will depend on several factors,

How does pet insurance work?

Pet insurance is a policy that comes with a monthly premium. With pet insurance, if your pet is sick or injured, you pay the bill upfront and submit a claim for reimbursement. You can take your pet to a licensed veterinarian and then submit a claim to get reimbursed for issues that are covered under your pet insurance plan.

What does pet insurance cover?

It depends on the specific plan. Standard pet insurance will cover most accidents and injuries. Still, you can also buy a policy that covers only routine vet visits for checkups and vaccinations, usually called wellness plans. “Things like ultrasounds, blood tests, or procedures such as MRIs or CAT scans — they’re now available [for pets],” said Dr. Jerry Klein, Chief Veterinary Officer for the American Kennel Club.

What is the best pet insurance?

The best pet insurance for you will depend on a combination of different elements, mainly your budget and your pet's needs.

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How We Found the Best Pet Insurance Companies

To thoroughly assess pet health insurance companies and find the best, we researched several different policy aspects that make these providers stand out, and spoke to veterinary doctors who have spent time in the field.

We used the following factors to pick our top companies:

Pricing

Since how much you can afford depends entirely on your specific budget, we looked at average rates, flexibility with premiums and deductibles, and any potential limits on payments to policyholders.

According to the North American Pet Health Insurance Association, the average monthly price of pet insurance in 2019 (the most recent numbers as of March 2021) was $47 for dogs and $29.50 for cats.

Since pet insurance follows a reimbursement model, initial costs come out of your pocket.

Policyholders who can’t afford to pay out of pocket can sometimes use a credit card or financing provided by the vet. When the reimbursement comes through, they use the check (or direct deposit) to pay off most of the debt.

Coverage Options

For the most part, pet insurance can be broken down into two types: comprehensive coverage and accident-only coverage. While wellness and routine care are not covered by the former, some companies offer them as add-ons.

Known as wellness, routine care, or preventive care riders, these typically include neutering and spaying, vaccines, flea and tick treatment, teeth and ear cleaning, heartworm medication, and anal gland expression.

So long as they do not pre-date your insurance policy, most pet insurance policies also cover hereditary, chronic, and congenital conditions.

Claims and Extra Perks

We looked closely at the claims processes for all the companies we featured, making sure they provide a prompt service in order to have your money reimbursed as soon as possible.

When paying out of pocket for something like heartworm treatment for your dog, you could potentially have to fork over upwards of $1,000. For some pet owners, that amount can put a considerable dent in their finances. Getting part of that money reimbursed quickly is a plus.

We also sought out pet insurers that offered multiple ways to contact customer service agents — whether via app, over the phone, chat, or email

Finally, most of the plans we picked provide coverage just for cats and dogs. With that in mind, we also looked at companies that insure exotic animals, so as not to exclude pet owners whose animals may fall into the non-traditional column.

Summary of Money’s Best Pet Insurance Companies of 2021

Honorable Mentions: 24PetWatch, Hartville, Pet Assure, Pumpkin