Pet insurance is a great way to make sure your pet will be treated after an unpredicted emergency and you won’t be left with an expensive vet bill. The best pet insurance companies allow you to customize coverage based on your protection needs and budget, offering discounts, 24/7 access to licensed vets for advice, and options for wellness and routine care.

The This Old House Reviews team reviewed the top 10 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.

 

Best Pet Insurance Companies

Here are the top pet insurance providers based on our in-depth review:

 

Lemonade: Best Overall

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 are 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 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, the company has a unique mobile app with AI technology for claims filing and enrollment, making managing your policy smooth and easy.

Lemonade Pros and Cons

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

  • Preventive care
  • Vet visit fees
  • Physical therapy

Exclusions include preexisting conditions, behavioral treatments, elective cosmetic procedures, and dental care.

Price

Based on our research,  monthly premiums for standard Lemonade policies cost $15–$30 per month for dogs and $9–$15 per month for cats.

Get a quote: Fill out Lemonade’s simple online form.

Learn more: Lemonade Pet Insurance review

 


 

Spot: Most Customizable Plans

We scored Spot 91 out of 100 for its customizable coverage options, deductibles, and plan pricing. The company provides seven annual limit options from $2,500 to unlimited, three reimbursement levels, and five annual deductibles. It also has one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage.

Spot Pros and Cons

Pros Its standard plan includes microchipping Offers a 10% discount for customers with multiple pets Features an unlimited coverage option
Cons Doesn’t cover pets under eight weeks old Has a long waiting period of 14 days for accidents

Spot Pet Insurance Plans

Spot provides two standard plans for accident-only or accident-and-illness coverage. It includes coverage for exam and vet visit fees, plus offers two wellness plans at flat rates for routine care. Each plan is customizable 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 preventive care
  • Platinum preventive care

Exclusions include preexisting conditions, cosmetic procedures, and breeding costs.

Price

Based on our research, monthly premiums for standard Spot policies are $15–$25 per month for dogs and $10–$15 per month for cats.

Get a quote: Fill out this Spot’s easy online form.

Learn more: Spot Pet Insurance review

 


 

Healthy Paws: Best Coverage Limit

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

Healthy Paws Pros and Cons

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

Healthy Paws Pet Insurance Plans

Healthy Paws offers one accident-and-illness plan without any add-on options. Coverage includes 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.

Healthy Paws 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.

Exclusions include preexisting conditions, spaying or neutering, dental care, preventive care, elective procedures, and hip dysplasia treatments within the first 12 months of the policy.

Price

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

Get a quote: Use Healthy Paws’ simple online quote tool. You can compare pricing with other top providers if your quote is too high.

Learn more: Healthy Paws Pet Insurance review

 


 

Embrace: Best Deductibles

Embrace scored a 93.5 out of 100, earning points for its costs, customization options, and additional features but losing points for its low coverage limits.

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

Embrace Pros and Cons

Pros Features an online chat for customer service Includes coverage for exam fees Offers policy management online and through a mobile app
Cons 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. It excludes preexisting conditions and aesthetic, cosmetic, or elective procedures.

Embrace also offers an optional Wellness Rewards add-on for routine care, such as vet exams.

Price

Based on our research, monthly premiums for standard Embrace policies are $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

 


 

Fetch: Best Holistic Coverage

Fetch by The Dodo scored a 91.5 out of 100 for its accident-and-illness plan’s impressive coverage. 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 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.

Fetch Pros and Cons

Pros 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
Cons 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 accidents and illness, including unexpected injuries, broken bones, dental illnesses, cancer, digestive illness, hereditary conditions, chronic conditions, behavioral disorders, and more.

It doesn’t cover cosmetic procedures or preexisting conditions that occur before or during the 15-day waiting period. It also doesn’t offer any coverage add-ons for wellness and preventive care. You can choose between multiple options for your coverage and premiums.

Fetch reimburses 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, monthly premiums for standard Fetch policies are $35–$45 per month for dogs and $15–$25 per month for cats.

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

Learn more: Fetch Pet Insurance review

 


 

Figo: Best Extra Coverage Add-on

Scoring 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 reimburses vacation cancellations resulting from your pet’s accident or illness and advertising and reward money for missing pets.

Figo Pros and Cons

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

Figo Plans

Figo has three accident-and-illness plans with 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 has 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 such as broken bones and bite wounds. Figo offers routine care coverage in some states, allowing you to add vet exam fees and preventive care costs such as vaccinations and dental care.

Price

Based on our research, the average cost of a Figo pet plan is $15–$74 for a dog and $10–$46 for a cat.

Get a quote: Fill out Figo’s quick quote form.

Learn more: Figo Pet Insurance review

 


 

Trupanion: Best for Direct Payments

Though Trupanion loses points for its lack of preventive care coverage options, it has one feature many providers don’t: it pays your vet directly at checkout. This means there’s no need to file a claim or wait for reimbursement. 

We recommend Truepanion for pet owners who want control of their deductible and coverage limit. You can customize your deductible within a range of $0 to $1,000, and deductibles are tracked per incident rathern than per year. Trupanion also offers unlimited coverage and a 90% reimbursement rate. 

Trupanion Pet Pros and Cons

Pros Pays vet directly at checkout Offers customizable deductibles and unlimited coverage Has a 90% reimbursement rate
Cons Provides no preventive coverage option Excludes exam fees

Trupanion Pet Insurance Plans

Trupanion offers one standard accident-and-illness plan. This plan covers issues such as respiratory infections, hip dysplasia, heart disease, cataracts, liver disease, infections, pain, GI upset, and injuries. Trupanion reimburses pet owners for medical procedures related to injuries and illnesses, such as diagnostic tests, surgeries, hospital stays, medications, supplements, prosthetic devices and carts, even herbal therapies. 

Price

Monthly premiums for standard Trupanion policies are $47–$140 per month for dogs and $37–$85 per month for cats.

Get a quote: Fill out Trupanion’s simple online form.

Learn more: Trupanion review

 


 

ASPCA: Best for New Pet Owners

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. You can also find information on various pet breeds and their common health needs on its website.

ASPCA Pros and Cons

Pros 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
Cons 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 preexisting conditions, breeding or pregnancy issues, cosmetic procedures, and elective surgeries.

You can select reimbursement rates, annual deductibles, and annual coverage limits options to customize your premium. Here’s an overview of ASPCA’s plan options and two wellness add-ons:

  • Accident-only coverage plan
  • Complete coverage plan
  • Basic preventive plan
  • Prime preventive plan

Price

Based on our research, monthly premiums for standard ASPCA Pet Health policies are $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.

Learn more: ASPCA Pet Insurance review

 


 

Prudent Pet: Most Comprehensive Plan

Prudent Pet scored a 95 out of 100 in our review and stood out 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 accident-and-illness coverage or those who want comprehensive plan coverage.

Prudent Pet Pros and Cons

Pros Includes a 24/7 live vet chat Offers three plan options and two add-ons Includes a 30-day money-back guarantee
Cons 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 Prudent’s offerings:

  • Accident-only plan
  • Essential plan
  • Ultimate plan
  • Wellness coverage add-on
  • Veterinary exam fee coverage

Exclusions include preexisting conditions, breeding, and cosmetic procedures.

Price

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

Get a quote: Fill out Prudent’s online quote form.

Learn more: Prudent Pet Insurance review

 


 

Top Rated Pet Insurance for Cats and Dogs

Quickly compare the cost, plans, and add-ons for top pet insurance providers in the table below:

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

Healthy Paws

$30-$65

$20-$30

1

Embrace

$25-$55

$20-$30

2

Fetch

$35-$45

$15-$25

1

Figo

$15-$74

$10-$46

6

Trupanion

$47-$140

$37-$85

1

ASPCA

$15-$25

$10-$20

4

Prudent Pet

$12-$25

$10-$15

5

*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 that protects your pet 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 treatment costs from any licensed vet in the United States and then file a reimbursement claim for that cost.

You can claim your policy’s benefits for treatments related to covered 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.

 


 

What Does Pet Insurance Cover?

The coverage your policy offers depends on your selected plan type. Some providers offer different plan options, such as accident-only or accident-and-illness. Some also offer add-ons for preventive care or exam fees.

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:

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

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:

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

 

What Pet Insurance Doesn’t Cover

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:

Preexisting Conditions

Most providers don’t cover your pets’ preexisting conditions because they see it as financially risky to insure a pet that already has expensive medical issues. However, some providers will partially or fully cover certain preexisting conditions if there have been no symptoms within a certain time period before enrolling, usually 12 to 18 months. 

Preventive Treatments

Standard pet insurance plans typically cover little to no preventive veterinary care. This includes annual checkups, routine dental cleanings, and some vaccinations. The reason is that providers see pet insurance as a way to cover unexpected medical fees, such as a surgery or emergency procedures. Routine preventive care is an expected, optional expense that you can plan for and aren’t likely to need financial assistance with. You’ll need to purchase an add-on if preventive coverage is something you want for your pet.

Other Coverage Exclusions

Other forms of veterinary care often not covered include:

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

 


 

Is Pet Insurance Worth It?

We surveyed 1,000 pet owners in the United States about 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.

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

If you receive a bill that high while owning a pet insurance policy, you only have to pay a small percentage and your provider takes care of the rest.

 


 

How Does Pet Insurance Work?

Each pet insurance policy has an established waiting period before coverage kicks in. This is the period between when you enroll in a policy and 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 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 and 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, 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 4-year-old animals, pet insurance usually costs $17–$50 per month for dogs and $9–$35 per month for cat insurance.

The price of your pet insurance premium depends 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 cost.

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

Consider the following factors to help you choose the best insurance policy for you and your pet:

  • 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.
  • Plan type: 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.
  • Wellness plans: Adding wellness coverage  is a great option for pet owners looking for coverage of routine care or preventive 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. This coverage 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. According to our 2021 survey of pet owners, 87% said they have preventive care insurance for their pet.

 

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 for your dog or cat’s species, age, breed, and location.

Getting quotes from 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 preexisting on your new policy and wouldn’t be covered.

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. 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

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. The exact cost will vary depending on your 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, preexisting conditions are excluded, 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 have 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 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 it get 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?

Pet insurance doesn’t cover preexisting conditions, so your cat’s illness won’t be covered if you wait until it’s sick to enroll in a policy. Get a policy while your cat is healthy and any future incidents will be covered.

 


 

Our Conclusion

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

  • Consider Lemonade for the best overall coverage.
  • 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.
  • Consider Fetch if you’re looking for holistic treatments such as acupuncture or chiropractic treatment.
  • Get a quote from Healthy Paws if you want unlimited coverage at affordable rates.
  • Check out Prudent Pet’s Ultimate Plan for the most comprehensive plan.
  • ASPCA Pet Health Insurance is ideal for new pet parents.
  • Figo is a great choice for pet parents looking for added liability protection and customizable coverage.
  • Sign up for Pawp to receive access to a digital clinic with live chat and video access to vets.

FAQs About Pet Health Insurance

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.