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Top 9 Best Pet Insurance Companies (2022 Review)

Quickly find the best pet insurance company for you with our impartial review of the top providers for your furry friend.

A brown-reddish dog with a black nose and black collar holds up his paw to his owner’s hand who is wearing a gray shirt. Adobe

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Pet insurance is a great way to receive peace of mind that your pet will be treated immediately after an unpredicted emergency and that you won’t have to pay expensive vet bills out of pocket. The best pet insurance companies give you the option to customize coverage based on your protection needs and budget, offering discounts, featuring 24/7 access to licensed vets for advice, and providing options for wellness and routine care.

To help you find the best pet insurance provider, the This Old House Reviews team examined the top 9 pet insurance companies in the industry and compared their plans, pricing, and benefits.

We also scored them on key metrics, such as coverage, plan options, eligibility, customer service, cost, and reputation.

Top 9 Best Pet Insurance Companies

Here are the top 9 providers of the best pet insurance on the market today:


Best Pet Insurance Companies

Lemonade

We named Lemonade ‘Best Overall’ and gave it a score of 96 out of 100 for its comprehensive coverage, pricing, availability, and customer service.

There isn’t much to dislike about this provider; its plans come at affordable prices, customers can choose from a variety of coverage limits, reimbursements, and deductible options, and it offers a comprehensive wellness plan for routine care coverage.

Lemonade also offers an inexpensive coverage boost add-on for those who want all vet expenses and fees included in their policy, in addition to extra coverage for acupuncture and therapy. Additionally, this provider features a unique mobile app with AI technology for claims filing and enrollment, making managing your policy smooth and easy.

Pros and Cons

✔ Has a charitable giveback program
✔ Has a 48-hour waiting period for accidents
✔ Doesn’t have age limits for coverage

✘ Doesn’t cover behavioral treatments or dental veterinary care
✘ Is available in only 35 states

Lemonade Pet Insurance Plans

Lemonade offers one primary accident and illness plan with three add-on options:

  • Preventative Care
  • Vet Visit Fees
  • Physical Therapy

However, the insurer’s exclusions include pre-existing conditions, behavioral treatments, elective cosmetic procedures, and dental care.

Price

Based on our research, we found monthly premiums for standard Lemonade policies to fall around $15–$30 per month for dogs and $9–$15 per month for cats.

Get a Quote: To get a free quote from Lemonade, fill out this simple online form.

Learn More: Lemonade Pet Insurance Review


Spot

Look to Spot for the most customizable pet insurance policy. This provider scored a 91 out of 100, performing well for its coverage options, deductibles, and plan pricing.

In addition to offering seven annual limit options from $2,500 to unlimited, three reimbursement levels, and five annual deductibles, Spot features one of the cheapest plans on the market for accident-only coverage, making it perfect for those who need only minimal coverage.

Pros and Cons

✔ Its standard plan includes microchipping
✔ Offers a 10% discount for customers with multiple pets
✔ Features an unlimited coverage option

✘ Doesn’t cover pets under eight weeks old
✘ Has a long waiting period of 14 days for accidents

Spot Pet Insurance Plans

Although Spot excludes pre-existing health issues, cosmetic procedures, and breeding costs from its plans, its two plans provide coverage for either accidents only or both accidents and illnesses. It includes coverage for exam fees and vet visit fees and also offers two wellness plan options at flat rates.

Customers can customize their plan with options for reimbursements, annual coverage limits, and annual deductibles.

Here’s an overview of each Spot plan and additional coverage option:

  • Accident-Only Plan
  • Accident and Illness Plan
  • Gold Preventative Care
  • Platinum Preventative Care

Price

Based on our research, we found monthly premiums for standard Spot policies to fall around $15–$25 per month for dogs and $10–$15 per month for cats.

Get a Quote: To get a free quote from Spot, fill out this easy online form.

Learn More: Spot Pet Insurance Review


Embrace

Embrace scored a 93.5 out of 100, earning points for its plan’s cost, customization, and additional features but losing points for its low coverage limits.

We recommend this provider for anyone who wants to prioritize affordability, since it offers ways to lower your premium with five deductible options and a Healthy Pet Deductible benefit, a diminishing deductible benefit that lowers what you pay by $50 each year that you don’t file a claim.

Pros and Cons

✔ Features an online chat for customer service
✔ Includes coverage for exam fees
✔ Offers policy management online and through a mobile app

✘ Its highest annual coverage limit option is $30,000
✘ Has limited customer service hours

Embrace Pet Insurance Plans

Embrace offers one plan for accidents and illnesses and an additional wellness plan. Both exclude pre-existing conditions and aesthetic, cosmetic, or elective procedures.

In addition to standard coverage, Embrace also offers an optional Wellness Rewards for routine care to help with routine care costs such as vet exams and other procedures to keep your pet healthy.

Price

Based on our research, we found monthly premiums for standard Embrace policies to fall around $25–$55 per month for dogs and $20–$30 per month for cats.

Note: The Wellness Rewards plan is not available in Rhode Island.

Get a Quote: Visit the Embrace website to get an instant quote by entering your pet’s age, breed, and location.

Learn More: Embrace Pet Insurance Review


ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is one of the most well-known pet insurance providers due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA). It scored an 89 out of 100 in our review and stood out for its online resources.

For instance, you can use the vet finder tool on its website or mobile app to find local vets near you, and you can tap into dozens of resources on its website for information on various pet breeds and their common health needs.

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Pros and Cons

✔ Covers behavioral issues and conditions
✔ Offers an accident-only plan for low-cost coverage on accidents and injuries
✔ Includes coverage for exam fees in its standard plans

✘ Doesn’t offer a website chat for customer service
✘ Has longer-than-usual wait times for customer support, according to third-party customer reviews

ASPCA Pet Health Insurance Plans

ASPCA Pet Health Insurance offers two plans: one for accident-only coverage and one that covers accidents and illnesses. Like most other companies, it doesn’t cover any conditions that were pre-existing before coverage starts, breeding or pregnancy issues, cosmetic procedures, and elective surgeries.

When getting a quote, you can select reimbursement rates, annual deductibles, and annual coverage limits options to customize the premium.

Here is an overview about both pet insurance plan options in addition to the provider’s two wellness add-on options:

  • Accident-Only Coverage Plan
  • Complete Coverage™ Plan
  • Basic Preventative Plan
  • Prime Preventative Plan

Price

Based on our research, we found monthly premiums for standard ASPCA Pet Health policies to fall around $15–$25 per month for dogs and $10–$20 per month for cats.

Get a Quote: Visit the ASPCA Pet Health Insurance website to get an instant quote on a pet insurance policy.

Learn More: ASPCA Pet Insurance Review


Fetch by The Dodo

Fetch scored a 91.5 out of 100 for its impressive coverage in its accident and illness plan. We recommend this provider to pet parents who want holistic care coverage—something that’s typically limited or excluded by other pet insurance providers.

Fetch covers your whole pet with holistic care treatments such as stem cell therapy, homeotherapy, hydrotherapy, acupuncture, chiropractic care, and laser therapy when recommended by a licensed vet. It also covers up to $1,000 for behavioral therapies.

Pros and Cons

✔ Features a helpful mobile app for policy management and claims filing
✔ Offers a 15% discount on policy renewal after a year without filing a claim
✔ Covers sick visit and exam fees with its standard policy

✘ Requires annual checkups and dental exams for your pet to remain eligible for coverage
✘ Has a longer waiting period of 15 days for all conditions

Fetch Plans

Fetch has a single plan that covers both accidents and illness, including your pet’s unexpected injuries, broken bones, dental illnesses, cancer, digestive illness, hereditary conditions, chronic conditions, behavioral disorders, and more.

It doesn’t cover cosmetic procedures or pre-existing health conditions that occur before or during the 15-day waiting period. It also doesn’t offer any coverage add-ons for wellness and preventative care.

You can choose between the multiple options to customize your coverage and premiums.

Fetch also reimburses you for a few extra items, such as boarding fees if you’re hospitalized for more than four days, advertising and reward money for lost or stolen pets, and vacation cancellation fees related to a covered incident.

Price

Based on our research, we found monthly premiums for standard Fetch policies to fall around $35–$45 per month for dogs and $15–$25 per month for cats.

Get a Quote: Get a free quote by using Fetch’s easy online quote tool.

Learn More: Fetch Pet Insurance Review


Healthy Paws

Scoring a 93.5 out of 100, Healthy Paws offers unlimited coverage with no maximum per-incident, annual, or lifetime payouts. Since Healthy Paws’ goal is to connect you to the best coverage for the best price, its quote tool has a comparison feature that recommends other pet insurance providers when your quoted premium is higher than average.

Pros and Cons

✔ Has fast claims processing with a direct deposit
✔ Donates to homeless pets with every pet insurance quote
✔ Offers a 30-day money-back satisfaction guarantee

✘ Has higher premiums for some breeds
✘ Its plans lack customizability compared to other providers

Healthy Paws Pet Insurance Plans

Healthy Paws offers only one accident and illness plan without any add-on options. This pet insurance coverage includes covers procedures and related costs, such as cancer treatments, diagnostics, surgery, hospitalization, ultrasounds, blood tests, X-rays, emergency care, specialty care, alternative treatments, and prescription medications.

It also covers hereditary conditions, chronic conditions, and congenital conditions as long as your pet’s symptoms manifest after the effective policy start date and 15-day waiting period.

This pet insurance policy has a number of exclusions as well: pre-existing conditions, spaying or neutering, dental care, preventative care, elective procedures, or hip dysplasia treatments within the first 12 months of the policy are not covered.

Price

Based on our research, we found monthly premiums for standard Healthy Paws policies to fall around $30–$65 per month for dog insurance and $20–$30 per month for cat insurance.

Get a Quote: To get a free quote from Healthy Paws, use this simple online quote tool. If your quote is too high, you’ll have the option to compare plan pricing with other top providers after receiving your quote.

Learn More: Healthy Paws Pet Insurance Review


Prudent Pet

Prudent Pet scored a 95 out of 100 in our review and stood out most for its comprehensive Ultimate Plan, which covers lost pet advertising, boarding kennel fees, mortality expenses, and vacation cancellation fees related to your pet’s emergency. However, the provider lost points for the Ultimate Plan’s higher premiums.

We recommend Prudent Pet for people who are looking for unlimited annual limits on both accident and illness coverage or for those who want comprehensive plan coverage.

Pros and Cons

✔ All plans include a 24/7 live vet chat
✔ Offers three plan options and two add-ons
✔ Includes a 30-day money-back guarantee

✘ Has higher prices on accident and illness plans
✘ Doesn’t have a mobile app for customers

Prudent Pet Plans

Prudent Pet’s extensive plan options help you narrow down your coverage needs. Each plan lets you choose between reimbursement options and annual deductibles, but the coverage limits aren’t customizable.

Here’s a look at their coverings:

  • Accident-Only Plan
  • Essential Plan
  • Ultimate Plan
  • Wellness Coverage Add-On
  • Veterinary Exam Fee Coverage

Note: None of these plans or add-ons cover pre-existing conditions, breeding, or cosmetic procedures as part of cat or dog insurance.

Price

Based on our research, we found monthly premiums for standard Prudent Pet policies to fall around $12–$25 per month for dogs and $10–$15 per month for cats.

Get a Quote: To learn more about the Ultimate Plan and compare prices based on your animal’s specific details, fill out this online form and get an instant quote.

Learn More: Prudent Pet Insurance Review


Figo

With a 93 out of 100, Figo stands out for its extra coverage add-ons, including up to $10,000 of liability coverage for property damage caused by your pet. Figo also provides reimbursements for vacation cancellations resulting from your pet’s accident or illness and advertising and reward money for missing pets.

Pros and Cons

✔ Has a cloud-based app with 24/7 access to live vets, local pet attractions and more
✔ Offers 3 accident and illness plans with several customization options
✔ Provides total reimbursement for claims, while other providers cap off coverage at 90%

✘ Has varying waiting periods depending on which state you live in
✘ Charges transaction fees in some states

Figo Plans

Figo lets you choose between three accident and illness plans, which offer varying levels of annual coverage. The Essential plan offers $5,000 of annual benefits and the Preferred plan provides up to $10,000 of coverage. Figo’s Unlimited plan features limitless coverage, with no annual caps.

Each of these policies covers conditions such as hip dysplasia, chronic conditions, and general illness. They also cover injuries like broken bones and bite wounds. Figo additionally offers routine care coverage in some states, allowing you to add vet exam fees and preventative care costs such as vaccinations and dental care.

Price

During our research process, we found that the average cost of a Figo pet plan is $15–$74 for a dog and $10–$46 for a cat.

Get a Quote: To get a free quote from Figo, fill out this quick quote form.

Learn More: Figo Pet Insurance Review


Pumpkin

Performing well in overall coverage and customer service but losing points for minimal customizability and high costs, Pumpkin received a score of 86 out of 100. We found it to be a top provider for dental pet insurance coverage, covering tooth extractions, periodontal illnesses, and cleanings if they’re a necessary part of remedying your pet’s illness or accident.

Additionally, we recommend this provider to those who have smaller dogs or cats, since its premiums are much more affordable for small breeds than other providers.

Pros and Cons

✔ Offers a cheap preventative care add-on
✔ Includes prescription diet foods
✔ Provides coverage for end-of-life expenses

✘ Doesn’t offer customizable reimbursement rates
✘ Prices are higher than average compared to competitors
✘ Has low annual limit options

Pumpkin Pet Insurance Plans

Pumpkin offers one accident and illness plan for cats and dogs that reimburses you for 90% of covered vet bills and additional wellness care coverage. Pre-existing conditions, elective procedures, boarding, breeding, and grooming are all excluded from Pumpkin’s plan and optional coverage.

Price

Based on our research, we found monthly premiums for standard Pumpkin policies to fall around $50–$80 per month for dogs and $30–$40 per month for cats.

Get a Quote: Get a free quote from Pumpkin by answering a few questions on this online form.

Learn More: Pumpkin Pet Insurance Review


Top Rated Pet Insurance for Cats and Dogs

In the table below, quickly compare the cost, plans, and available add-ons for pet insurance:

Comparing Cost, Plans, and Add-Ons

Provider Avg Cost of Dog Insurance* Avg Cost of Cat Insurance* Number of Plans and Add-ons Wellness Add-On
Provider Avg Cost of Dog Insurance* Avg Cost of Cat Insurance* Number of Plans and Add-ons Wellness Add-On
Lemonade $15-$30 $9-$15 3
Spot $15-$25 $10-$15 4
Embrace $25-$55 $20-$30 2
ASPCA $15-$25 $10-$20 4
Fetch $35-$45 $15-$25 1
Healthy Paws $30-$65 $20-$30 1
Prudent Pet $12-$25 $10-$15 5
Figo $15-$74 $10-$46 6

*Based on sample quotes for a mixed 4-year-old dog or cat in Raleigh, North Carolina


What Is Pet Insurance?

Pet insurance is a health insurance policy for your pet that protects it during accidents and unexpected illnesses and prevents you from paying for expensive vet costs. Unlike a typical health insurance policy for humans, a pet insurance provider doesn’t pay your vet directly for the bill. Instead, it reimburses you for the cost of the full or partial vet bill after you leave the office. Essentially, you foot the bill for any treatment costs from any licensed vet in the U.S. and then file a reimbursement claim for that cost.

You can claim your policy’s benefits for treatments related to these conditions, which typically include diagnostic tests, surgery, hospitalization, cancer treatments, alternative therapies, behavioral treatments, specialty care, urgent care, prescription medications, medical supplies, and more as long as they’re recommended by an officially licensed veterinarian.

Covered Accidents

Pet insurance companies cover a wide range of accidents that could happen to your dog or cat without warning. Here are some examples of specific accidents that are typically covered in most policies:

  • Broken bones
  • Toxic ingestions
  • Bite wounds
  • Cuts
  • Sprains
  • Lodged objects and choking

Covered Illnesses

Providers also cover various illnesses and other conditions, reimbursing you for any costs related to them up to your annual coverage limit. Here are some examples of common illnesses and conditions covered by a pet insurance policy:

  • Hip dysplasia
  • Heart disease
  • Diabetes
  • Infections
  • Cancer
  • Digestive illnesses
  • Chronic conditions
  • Hereditary conditions
  • Congenital conditions
  • Dental illness

Common Coverage Exclusions

On the other hand, there are some items that pet insurance policies don’t cover, regardless of how comprehensive your plan is. Here are a few common treatments or conditions that insurers typically exclude:

  • Pre-existing conditions
  • Elective procedures, such as spay or neutering
  • Cosmetic surgeries, such as tail clipping or declawing
  • Boarding and transportation costs
  • Issues related to breeding or pregnancy
  • Any treatments not recommended by a licensed vet

Is Pet Insurance Worth It?

We conducted a survey of 1,000 pet owners in the United States to research various topics related to their dog or cat’s veterinary and medical costs. About 40% of our respondents stated they would have to use a credit card to pay for their pet’s unexpected emergencies, and about 9% said they don’t know how they’d pay for it. If you’re anything like those pet parents, you could benefit from purchasing a pet insurance policy.

Financial peace of mind aside, pet insurance is a great way to ensure your pet gets the immediate care it needs. For instance, we were told by a professional who has years of experience in the pet insurance industry that some claims for veterinary services can be upwards of $50,000, which can be extremely hard to afford without a pet insurance policy.

If you received a bill that high while owning a pet insurance policy, you’d only have to pay a small percentage of it out of pocket while your provider takes care of the rest.


How Pet Insurance Works

Each pet insurance policy has an established waiting period before coverage kicks in. The waiting period is the period between when you sign up and purchase a policy to when you can start making claims on your pet’s accidents and illnesses. Here are some important things to know about your policy to help you understand how it works:

  • Annual coverage limit: This is the total amount the pet insurance company agrees to pay for covered veterinary bills throughout the annual term of the policy. Claiming any costs over your annual coverage limit could force you to pay some money out of pocket.
  • Annual deductible: A deductible is the amount you owe during a claim before coverage starts. For example, if you’re covered for a $5,000 vet bill and your deductible is $250, your provider will reimburse your for a percentage of $4,750 after you pay the deductible. Policies with higher deductibles come with lower monthly premiums, but they generally result in customers paying more money out of pocket during a claim.
  • Reimbursement percentage: This is the percentage of your vet bills that the pet insurance provider agrees to pay. For example, if your policy’s reimbursement rate is 80%, you’ll have to pay 20% of each vet bill out of pocket after your provider reimburses you for the rest.

When filing a claim, you’ll likely need to provide any notes or records your vet took during the visit in addition to a copy of the invoice, showing the amount you paid for the bill. Once your pet insurance provider reviews the claim, it can directly deposit the reimbursement money into your bank account for a quick payout. Any amount that the provider paid during the claims process is documented against your policy’s annual coverage limit if you have one.

When it’s time to renew your policy after a year, your annual limits and deductibles will reset and you’ll have a new quoted premium for the following 12 months. Keep in mind that your policy pricing may increase each year with your pet’s age, since older pets typically cost more to insure due to their likelihood of catching an illness or experiencing an accident.


How Much Does Pet Insurance Cost?

Based on the sample quotes we received for four-year-old animals, we found that pet insurance pricing usually falls around $17–$50 per month for dogs and between $9–$35 per month for cat insurance.

The price of your pet insurance premium will depend on your pet’s species, breed, and size. Your premium may also be specific to your state and ZIP code. Getting quotes from a few providers is the best way to compare custom rates based on your information.

Compare Cost of Pet Insurance Providers in Your State

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What Is a Pet Insurance Waiting Period?

When enrolling in coverage, you have to wait a few days after the policy’s effective start date before you can use your policy. Companies offer various waiting periods for accidents, ranging from two to 15 days, but the waiting period is typically 14 days for illnesses. Any emergencies that occur during the waiting period will not be eligible for claims.


Factors To Consider Before Buying Pet Insurance

When looking for the right pet insurance provider, consider the following factors to help you narrow your search and choose the best policy for you and your pet:

  • Type of plan: Deciding what type of plan you need should be the first step in your search. Most providers offer accident and illness plans, but some include accident-only options at lower monthly rates. If you’re worried about emergencies related to accidents or injuries, look for a provider that offers those plans, such as Prudent Pet and Spot. Otherwise, accident and illness plans are the most comprehensive and cover most emergency vet visits, procedures, and hospitalizations.
  • Budget: Different providers offer plans at varying prices. If you’re looking for the cheapest pet insurance companies, we recommend starting with Lemonade or Pawp. Additionally, customizing your deductible to a higher amount can help lower your policy’s premium and make it more affordable.
  • Coverage limits: Each provider offers different coverage limit options, so knowing what annual limit you need is important before enrolling in a plan. For those who don’t want to worry about exceeding their maximum, Healthy Paws, Prudent Pet, and Spot all offer options for unlimited coverage, although the premiums are often significantly higher than plans with lower coverage caps.
  • Wellness plans: Adding wellness coverage to policies is a great option for pet owners looking for routine care or preventative care, such as annual exams, checkups, blood tests, heartworm tests, and vaccinations. Most insurers offer these options at varying prices, so get quotes from a few companies to compare rates before purchasing. They can be particularly valuable for young pets to help pay for regular treatments that come up early in the pet’s life, such as vaccinations and checkups.

How to Buy a Pet Insurance Plan

Once you’ve determined how much coverage your pet needs, request quotes from a few companies to compare pet insurance rates that are customized based on your dog or cat’s species, age, breed, and location.

Luckily, getting quotes from these providers is free and easy. You can visit each one’s website and use its online quote tool. From there, you’ll be able to select your plan, adjust your annual coverage limit, deductible, and reimbursement rate based on your needs, add a wellness plan if available, and enroll in a policy.

If you’re looking for a more traditional route to buying a plan, you can call each company and speak with a representative. Additionally, many companies have online chats on their websites to help answer any questions you may have during the process.


Can I Change Pet Insurance Providers?

Changing pet insurance companies is totally possible, but it can be a bit complicated if your pet has had health issues during your current policy. For example, if you sign up for a policy and claim an accident or illness, then decide you want to switch to another company, any further complications from those previously covered accidents and illnesses would be considered pre-existing on your new policy and wouldn’t be covered.

However, if your pet has remained healthy while on your current policy, you should be able to simply cancel your policy and begin a new one with another provider of your choice. Keep in mind that your new policy will come with a standard waiting period before coverage kicks in, so your pet may go up to 15 days without coverage.


Best Pet Insurance for Dogs

As a pet parent, the health of your dog is of utmost importance. A dog insurance policy can give you peace of mind that potential unexpected vet bills won’t break the bank and you’ll be able to handle your pet’s emergency as soon as possible.

Here Are Our Top 3 Picks for Dog Insurance

How much does my dog’s pet insurance cost?

Based on the sample quotes we received, the average premium rate for a dog insurance plan is around $35.50 per month. However, the exact pet insurance cost will vary depending on each pet owner’s location and pet’s details. We recommend reaching out to a few pet insurers to compare pricing and find a policy that fits within your budget.

Can I get pet insurance while my dog is sick?

No. No matter which insurance company you choose, it will exclude pre-existing conditions, so your policy won’t cover any existing illness or injury. However, you can still purchase a policy for coverage on other incidents that may occur in the future.

How do I get a dog insurance policy quote?

Most insurers feature an online quote tool on their website that allows pet owners to click through a few questions and get an instant quote.

Do dog insurance companies need my Social Security number to run credit reports during the quote process?

No, the only information you typically need to provide when getting a quote for a pet insurance policy is your dog’s age, breed, gender, and ZIP code in addition to your email address.


Best Pet Insurance for Cats

If your cat gets sick or injured, you could be responsible for thousands of dollars in vet bills. The best way to ensure you’re able to pay for those healthcare costs and mediate the headache that comes with excessive spending is by purchasing an insurance policy for your cat or kitten from one of the top pet insurers available.

Here Are Our Top 3 Picks For Cat Insurance

How much does pet insurance for cats cost?

The cost of pet insurance for cats can vary depending on their breed and age, but we found that monthly premiums are usually around $10–$30. For the most accurate pricing, we suggest getting a few quotes from different providers by entering your ZIP code and answering a few questions about your cat on each company’s website.

Is pet insurance for cats worth the cost?

Protecting your cat with pet insurance can help get it treated quickly during an unexpected accident or illness. Additionally, purchasing a policy can be a smart decision to manage costs and get additional coverage for wellness and routine care.

Can I get pet insurance while my cat is sick?

Since pet insurance doesn’t cover pre-existing conditions, you can’t wait until your cat is sick to purchase a policy. Get a policy while your cat is healthy, and any future incidents will be covered.


Frequently Asked Questions About Pet Health Insurance

Will I need a credit report to purchase a pet insurance policy?

No, your credit score typically won’t be checked when requesting a quote and signing up for your pet insurance policy, unlike home insurance and auto insurance, since your premium is primarily determined by your pet’s species, age, gender, breed, and location.

Does pet insurance cover birds or exotic animals?

Most pet insurance providers specifically offer pet insurance for dogs and cats. Most pet insurance companies only cover those two species, but Nationwide offers coverage for avian and exotic pets.

Does pet insurance cover hip dysplasia?

Many pet insurance providers offer hip dysplasia coverage since it’s a hereditary condition. However, policies may have a specific extended waiting period for coverage related to this orthopedic condition.

For example, Healthy Paws excludes any hip dysplasia treatments until after the first 12 months of the policy’s effective start date. ​​Lemonade has a shorter 6-month waiting period for cruciate ligament issues.

Does pet insurance cover pre-existing conditions?

No, pet insurance doesn’t cover any pre-existing conditions that show up in a medical history report before the policy’s effective start date or during the policy’s waiting period. For example, you wouldn’t be able to purchase coverage for your pet’s broken bone after the incident occurs.

However, most companies don’t consider genetic, hereditary, or congenital conditions pre-existing as long as your pet’s symptoms don’t manifest until after the policy starts.

What are some other pet insurance companies?

While we recommend any of the pet insurance providers listed in this review, there are other companies that deserve an honorable mention, such as Pets Best and Figo.

Does pet insurance cover my pet’s treatments for COVID-19?

According to the CDC’s latest information on animals and COVID-19, it is possible for your cat or dog to get COVID-19 through close contact with the virus, although the chances are low. They’re also very unlikely to spread the virus through animal-to-human transmission. However, if your pet gets sick after coming into contact with someone with COVID-19, the CDC recommends reaching out to your vet to determine a plan of action.

If a vet recommends testing for the virus as a medical necessity, your pet insurance policy should cover the diagnostics. However, since most companies exclude coverage for conditions related to a nationally declared pandemic, further treatments would not be covered by your pet insurance policy if your pet tests positive.

Can I take my pet to the vet during the coronavirus pandemic?

Yes. Most vets have social distancing procedures in place when evaluating your pet for an examination, treatment, or procedure. For instance, your vet may meet you at your car to take your pet inside for treatment, allowing you to wait in your vehicle and minimizing your contact with other pet owners. However, since each office may have different procedures in place, we recommend calling your vet to inquire about their process before visiting.

Additionally, companies like Lemonade, Prudent Pet, and Pawp offer medical advice chats, telehealth phone lines, and virtual vet clinics to help answer any questions you may have about your pet’s health online or over the phone without needing to leave your home.

Do pet insurance providers offer multi-pet discounts?

Yes, all of the companies in this review provide 5%–10% off your policy’s premium for adding multiple pets to your coverage, except for Healthy Paws, Fetch, and Pawp.

Do pet insurance plans cover prescription medicines and supplements?

Yes, most pet insurance policies cover any medications and supplements officially prescribed by your vet to treat a covered accident or illness, as long as they are approved by the FDA. This can include steroids, allergy medications, antibiotics, pain relievers, and nutritional supplements.

Some companies, such as Spot and ASPCA Pet Health Insurance, also include prescription diet foods in their coverage. Additionally, if you purchase additional coverage for wellness, your provider can help pay for your pet’s vaccinations and other routine healthcare expenses.

Is pet insurance tax deductible?

No, pet insurance is generally not a tax-deductible expense. However, if you have an official guide dog, Emotional Support Animal (ESA), or other type of service pet, you may be able to write off medical expenses you may incur on behalf of them. We recommend contacting the Internal Revenue Service (IRS) for more information about what’s required for those deductions and to verify that you qualify.


Our Conclusion

Based on our research, these pet insurance providers offer the best pet insurance policies on the market, attracting pet owners from all walks of life. We recommend getting quotes from a few different insurers to compare prices based on your animal’s specific species, breed, age, size, and location.

  • For the best overall coverage, consider Lemonade.
  • Spot offers customizable plans that give you the opportunity to sign up for cheap pet insurance with a low premium.
  • Consider Embrace for lowering your out-of-pocket expenses with its Healthy Pet Deductible benefit.
  • If you’re looking for holistic treatments such as acupuncture or chiropractic treatment, consider Fetch.
  • If you want unlimited coverage at affordable rates, get a quote from Healthy Paws.
  • For the most comprehensive plan, check out Prudent Pet’s Ultimate Plan.
  • Get started with ASPCA Pet Health Insurance if you’re a new pet parent.
  • Figo is an ideal choice for pet parents looking for added liability protection and customizable coverage.
  • Sign up for a Pawp membership to receive access to a digital clinic with live chat and video access to vets.
  • Consider Pumpkin if you’re specifically looking for dental coverage for your pet.

Summary of the Best Pet Insurance Companies with 2022 Ratings

  1. Lemonade: Best Overall
  2. Spot: Most Customizable Plans
  3. Embrace: Best Deductibles
  4. ASPCA Pet Health Insurance: Best for New Pet Owners
  5. Fetch: Best Holistic Coverage
  6. Healthy Paws: Best Coverage Limit
  7. Prudent Pet: Most Comprehensive Plan
  8. Figo: Best Extra Coverage Add-on
  9. Pawp: Best Digital Clinic
  10. Pumpkin: Best for Dental Coverage

Other Pet Resources


Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.