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Best Pet Insurance

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    If something were to happen to your pet, do you know how you would cover the bill? No one likes to imagine their furry friend getting ill or having an accidental injury, but it happens, and it can be costly. An emergency vet visit can cost from hundreds to thousands of dollars. Pet insurance helps you pay for the pricey vet visit and ensures you can afford the care your pet needs.

    The best pet insurance plans are reasonably priced and highly rated by customers. They offer multiple coverage options and reimburse costs at licensed vets across the U.S. Here’s how the top companies measure up side by side.

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    Compare our top 5 choices for best pet insurance


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    All information accurate as of time of publication.

    More details about our top 5 companies

    Veterinary care can get expensive, especially for chronic conditions and accidental injuries. With a pet insurance plan, you can feel covered against unknown health issues and emergencies. Read more about our top choices.

    Best flexible coverage
    Upper age limit
    $100 - $500
    Reimbursement rates
    70% - 90%
    Annual limits
    $5,000 - $50,000

    Lemonade is our top pick for pet insurance because you can customize your dog or cat care plan to fit your needs and budget. Plans start around $14 per month and increase based on your level of coverage and other factors. There is a mobile app to help you manage your claims, but note that the waiting period for coverage may be longer than some other insurers (two days for accidents, 14 days for illnesses).

    Make sure you review the company policies and plans for any exclusions, such as dental illnesses, preexisting conditions and prescription diets. The company does offer some riders and add-ons that may allow coverage for these.

    Lemonde’s pet coverage is available in 37 states and Washington, D.C. Some packages include live, 24/7 vet chats and coverage for genetic conditions. The preventive care package comes with dental care coverage. Bundle and save 10% on your pet insurance when you use Lemonade for other insurance needs.

    We recommend Lemonade pet insurance for the following:

    • Quick claims process
    • Optional wellness package
    • Discounts for multiple pets

    Some factors of Lemonade pet insurance to consider include:

    • Not currently available in all states
    • Long wait periods
    • No accident-only plan

    “The staff is caring and always asks about my dog and her well-being and make the claims process smooth,” said one reviewer in Virginia. Others agree that Lemonade is quick to approve claims. A number of reviewers cautioned that Lemonade has a tendency to classify health problems as preexisting and not cover those issues.

    Best for short waiting period
    Upper age limit
    $100 - $750
    Reimbursement rates
    70% - 100%
    Annual limits
    $5,000 - unlimited

    With Figo Pet Insurance, you get coverage for cats and dogs of any age, and there’s only a one-day waiting period for injuries caused by an accident (illness and orthopedic coverage are longer, however). It works to get most claims closed in less than three working days. Figo’s Pet Cloud is a convenient app that makes it easy to keep vet records organized. Additionally, Pet Cloud allows access to live vet help 24/7.

    Like other plans, Figo does not cover preexisting conditions, and there are other exclusions, including care for pregnancy, parasites and experimental procedures. Additionally, since it only covers dogs and cats, if you have more nontraditional or exotic pets, you’ll need to find another provider.

    Plans start around $27 per month. Choose from three flexible coverage plans based on how much coverage you want, from $5,000 per year to unlimited coverage. You set your deductible range between $100 to $750, noting that the lower your deductible, the higher your premiums will be. You also choose a reimbursement rate between 70% to 100%.

    We love Figo Pet Insurance for these factors:

    • Works with any participating vet worldwide
    • Military and multipet discount available
    • 30-day money-back guarantee

    Before signing up, consider these drawbacks:

    • Automatic renewal policy
    • Extra coverage needed for exam fees
    • Only covers dogs and cats

    Several reviewers have said that though the coverage is pricey, it is worth it because the payouts are quick. “They have covered everything they said they would,” according to one customer in Texas.

    A few customers have complained that in 2020 the insurance changed underwriters and the unlimited plan is not actually “unlimited” in coverage as it suggests.

    Best customer support
    Upper age limit
    15 years for full coverage
    $200 - $1,000
    Reimbursement rates
    70% - 90%
    Annual limits
    $5,000 - $30,000

    Embrace Pet Insurance offers “nose-to-tail” coverage for vet emergencies for cats and dogs. You can add on wellness coverage, but it costs more and only covers up to $650 in claims each year. If you don’t make a claim during the year, you will be rewarded with a $50 deductible discount going forward.

    For those with questions, concerns or other customer service needs, Embrace offers long phone hours (Monday - Friday, 9 a.m. to 8 p.m. EST) as well as email support. Customers can access their online portal for assistance, and the founder of the company has made his email address available to customers, as well.

    Plans average $15 to $20 per month for cats and $30 to $40 per month for dogs. This company is a good fit for large dog breeds because it includes coverage for surgeries that veterinarians often recommend for big breeds, such as gastropexy. Embrace reserves its full accident and illness coverage for dogs and cats under 15 years old, but its accident-only policy could be a good option for older dogs.

    As with other providers, take the time to review plan exclusions, claims processing times and waiting periods for injuries and illnesses.

    Embrace Pet Insurance is a good option for these reasons:

    • Good dental illness policy
    • Military and multiple-pet discounts
    • 30-day money-back guarantee

    Be mindful of the following with Embrace Pet Insurance:

    • Not available in all areas
    • Some age restrictions
    • Only cats and dogs are covered

    One customer in Kansas estimates that Embrace has reimbursed about 90% of their claims: “Anytime I have a question regarding my pet insurance, I get to talk to a real person who is genuine about my concerns,” they said. Several pet owners felt that Embrace took a long time to process claims and submit reimbursements.

    Best for older pets
    Upper age limit
    $100 - $500
    Reimbursement rates
    70% - 90%
    Annual limits
    $3,000 - $10,000

    ASPCA insurance is a good choice for older pets because there is no maximum age limit for coverage. The Complete Coverage plan covers several expenses associated with senior pets, including tooth extractions, end-of-life care, surgery and cancer treatments.

    Plans start at $20 per month, and you can visit any vet within the U.S. or Canada. We also like that with ASPCA, if your pet has a preexisting condition but hasn’t received treatment or shown symptoms for 180 days or more, ASPCA no longer considers it a condition (excluding knee and ligament issues).

    There is an annual limit of $10,000 on care for your pets. If you own a horse, dog or cat, you can get coverage with ASPCA.

    Top features of ASPCA include:

    • No age limit
    • Covers select prescription food
    • Horses covered

    Be aware of these factors:

    • Supplements and vitamins not covered
    • No stand-alone wellness coverage
    • Maximum annual limit is $10,000

    One New York customer had no issues getting reimbursed $800 for their dog’s tooth extraction, writing, “Never took longer than two weeks to get paid the 80% reimbursement for my dog's vet bills so I’m very happy with this pet insurance.” Some reviewers found the claims process to be slow, with costs hard to get approved.

    Best easy claims process
    Upper age limit
    $100 - $1,000
    Reimbursement rates
    70% - 90%
    Annual limits
    $2,500 - unlimited

    Spot Pet Insurance offers accident and illness coverage for dogs and cats as young as 8 weeks old and comes with a 14-day waiting period for coverage. If you do need to file a claim, you can do so up to 270 days from the date of treatment. There is no need for paper filing; you can quickly file claims and upload your invoice through the member portal. If Spot needs more information, it contacts your vet directly.

    Although it has exclusions for things like preexisting conditions, Spot provides coverage for end-of-life, alternative therapy and behavioral-related health issues, like fur pulling, which some competitor plans do not cover.

    You can get customizable coverage for your pets, with plans starting at $10 per month for cats and $16 per month for dogs. You have the option to add on a preventive care package starting at $9.99. This extra package includes coverage for dental cleanings, wellness exams and deworming.

    We love Spot Pet Insurance for the following:

    • No per-incident limits or lifetime caps
    • Alternative therapy coverage
    • 30-day money-back guarantee

    Some factors to think about before choosing:

    • Higher premiums for older pets
    • Some documentation required
    • Exclusions for some conditions

    Customers felt like they could rely on Spot to approve their claims without delay. One customer in Florida got a plan for their 5-year-old Pomeranian. When a specialist recommended surgery for a colon tumor, Spot covered most of the expenses. There are a few reviewers who felt the plan was expensive and not worth the coverage they received.

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    Quick and easy. Get matched with a Pet Insurance partner.

      What is pet insurance?

      Pet insurance provides peace of mind for pet owners by helping to manage unexpected veterinary costs. It is a policy that reimburses you for covered veterinary expenses. Depending on the provider, plans can include coverage for accidents, illnesses and wellness care. Like other types of insurance, pet insurance plans typically have annual deductibles, reimbursement rates and benefit caps.

      “The best way to ensure that your pet is adequately covered is to purchase a comprehensive pet health insurance plan when the animal is young and healthy,” said Dr. Jamie Whittenburg, the veterinarian director at the website Senior Tail Waggers. “Pet health insurance does not cover preexisting conditions and may not be helpful in cases where the pet already has medical issues.”

      What does pet insurance cover?

      Depending on the level of coverage you select, plans can cover accidents, illnesses and chronic conditions. Coverage varies from plan to plan, but here are some things that are typically included:

      • Infections
      • Ear illnesses
      • Eye illnesses
      • Bone fractures or breaks
      • Fleaborne illnesses
      • Foreign body ingestion
      • Lacerations
      • Insect bites

      Most plans are designed to cover unexpected accidents and illnesses for dogs and cats. If you have an exotic pet, such as a guinea pig or a bird, you can look at companies that provide exotic pet insurance.

      What does pet insurance not cover?

      Here are some common things not covered:

      • Preexisting conditions
      • Examination fees
      • Preventive care
      • Cosmetic procedures
      • Issues from owner negligence
      • Breeding costs

      Exclusions vary by policy and provider. Basic plans don’t usually cover routine illnesses; they cover only accidents. Comprehensive plans cover illnesses and developed conditions, but usually not routine care.

      » MORE: Millennials prefer pets to children

      Pros and cons of pet insurance

      Pet insurance can offer protection for your beloved furry companions, but like any financial decision, it is not the right choice for everyone. 


      • Peace of mind: Pet insurance provides a safety net for unexpected veterinary expenses and accidents.
      • Flexible plans: Many pet insurance providers offer a range of plans with varying coverage levels and options that fit any budget.
      • Possible discounts: Some plans offer discounts for more than one pet or military families.
      • Predictable costs: Instead of facing unpredictable and potentially high veterinary bills, you'll have a better idea of your out-of-pocket costs with insurance.
      • Routine care coverage: Some policies include coverage for routine wellness care, vaccinations and preventive treatments and medicines.


      • Exclusions: Many policies have exclusions for preexisting conditions or specific hereditary issues.
      • Waiting period: There might be waiting periods before certain conditions are covered, leaving your pet temporarily unprotected.
      • Coverage limits: Some policies have maximum benefit limits per year, per condition or over the pet's lifetime.
      • Claim process: Filing and waiting for reimbursement can be cumbersome, requiring you to pay upfront and then wait for the insurance company to process your claim.
      • Not all costs covered: Some treatments, alternative therapies, preexisting conditions and certain procedures might be excluded.

      » MORE:78% of pet owners would consider going into “pet debt”

      How to choose pet insurance

      “When looking at different pet health insurance policies, it is imperative to research what each plan covers, premiums, exclusions, limits and reimbursement policies,” said Dr. Whittenburg. “The process for filing claims and reimbursement should also be clear so that there are no surprises or issues.”

      You need a pet insurance company that will cover your unique pet care needs. These steps will help you discover the best pet insurance for you.

      1. Research plan options: Think about the type of coverage that your pet will need the most. If you’re most worried about paying for expensive wellness care each year, be sure to find plans that cover that.
      2. Consider pet eligibility requirements: You can usually get a policy for your dog or cat as long as they are at least 6 to 8 weeks old. However, some pet insurers have age restrictions, breed exclusions and exam requirements before your pet is eligible for coverage.
      3. Look for discount opportunities: Many companies offer discounts for multiple pets or pet parents who are military members. In some states, you can combine discount opportunities to get up to 25% off your monthly bill.
      4. Ask about the network or provider list: Some pet insurance companies may restrict where you can take your pet for care. If you live in an area with limited options, make sure your plan lets you visit any licensed veterinarian.
      5. Understand specific coverages and exclusions: Read through your policy carefully. You don’t want to go to the vet thinking you’re covered for an expensive bill only to find out you’re on your own.

      If you have an older pet with preexisting conditions, pet insurance might not be the best option for you. Consider starting a pet emergency fund by putting money in a high-yield online savings account you can access in the event of an illness or emergency.

      Pet insurance alternatives

      Not all pets will qualify for pet insurance, but that doesn’t mean you shouldn’t be ready in case something happens. If you can’t get pet insurance or are looking for a better option for your budget, try these alternatives to protect your finances.

      • Pawp Emergency Fund: Pawp is a monthly subscription that offers a 24/7 veterinary telehealth service. The monthly prices vary on your animal and needs, but its $19 per-month add-on, Pawp Emergency Fund, allows you to claim $3,000 per year toward an emergency.
      • Pet Assure: Anyone can sign up for Pet Assure, regardless of their pet’s age or existing condition. It isn’t pet insurance but rather a flat 25% discount (that cannot be combined with other discounts). Not all veterinarians have heard of Pet Assure or use it, so do your research before signing up.
      • Create your own emergency fund: You don’t need a special plan to create your own emergency savings fund. If you set aside $25 per week, you will have saved $1,300 in a year — plus interest — if you stash your cash in a high-yield savings account.


      Can I have more than one pet insurance policy?

      Yes, several pet insurance companies will allow you to add multiple pets on one plan and even offer a discount.

      Can I get coverage for my older pet?

      Many pet insurance providers offer coverage for older pets. However, you might have to pay a higher premium. Some companies do set age limits and restrictions. If there is an age limit, it’s usually between 9 and 15 years.

      How much does pet insurance cost?

      On average, you can expect to pay anywhere from $10 to $50 per month for a good pet insurance plan. How much you pay varies depending on factors including your location, what type of pet you have, your pet's age and what type of coverage you choose. Accident-only plans are typically cheaper, and any available discounts can lessen the cost. Coverage that includes preventive care typically costs more.

      Is pet insurance worth it?

      Buying pet insurance can be worth it if you're concerned about paying for expensive, nonroutine medical care when your pet is ill or injured. If you’re a first-time pet owner, you might appreciate knowing that you can take your animal to the vet after an accident or illness without paying 100% of the bill out of pocket.


      To choose our top pet insurance providers, we started with a list of 22 popular pet insurance companies. To narrow the options, we first considered overall customer satisfaction ratings. Providers with an overall satisfaction rating below 3.5 stars were eliminated first, leaving nine companies. To stay on the list, companies had to have at least twice as many 5-star reviews as 1-star reviews over the last year (June 15, 2020, through June 15, 2021).

      The ConsumerAffairs Research Team then analyzed recent reviews from verified customers to make recommendations. For example, Spot is our pick for an easy claims process because of the high density of certain recurring phrases (e.g., “easy file claims,” “claims very helpful”) in verified 5-star reviews on our site over the last year.

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