As a pet owner, you want only the best for your beloved animal. However, unforeseen injuries or illnesses can happen at any time and can strain your wallet when they do. Whether you live in Juneau, Anchorage, or anywhere between, pet insurance can alleviate your worries over expensive vet bills, allowing you to focus on getting the necessary care for your pet.
The This Old House Reviews Team researched and compared the best pet insurance companies across the United States. We carefully evaluated each provider based on several critical factors, including coverage types, reimbursements, waiting periods, deductibles, and more, so you can choose the best pet insurance Alaska has to offer.
Alaska’s Top 7 Pet Insurance Providers
The following providers are the best for Alaska pet owners:
- Spot: Most Customizable Plans
- Embrace: Best Deductibles
- Healthy Paws: Best Coverage Limit
- ASPCA: Best for New Pet Owners
- Prudent Pet: Most Comprehensive Plan
- Fetch: Best Holistic Coverage
- Figo: Best Extra Coverage Add-on
Spot may be a good option if you’re looking to customize your pet’s health insurance. Scoring a 91 out of 100 in our evaluation, Spot offers accident-only plans, accident-and-illness plans, and care add-ons. Additionally, you can tailor coverage limits, deductibles, and reimbursement rates to what works best for you.
Spot Pros and Cons
✔ 30-day money-back guarantee
✔ 24/7 telehealth available
✔ Provides coverage for microchipping, which other providers do not typically cover
✘ 14-day waiting period for accidents, which is longer than most competitors
✘ Customer service not available on the weekends
Spot Plans and Coverage
Spot provides two standard plans for coverage—the Accident + Illness plan and the Accident-Only plan. The Accident-Only plan covers a variety of injury-related services, including these:
- Diagnostic testing
- Prescription medications
- Surgical procedures
- Veterinary treatments
The Accident + Illness plan covers everything included in the Accident-Only plan and similar treatments related to illness. Additionally, it covers treatment for behavioral problems and cancer. Neither of these plans covers preexisting conditions, cosmetic procedures, or preventive care. Spot offers customers an array of choices for coverage options. Pet owners can choose from seven annual limits, five deductibles, and three reimbursement options.
If preventive care coverage is something you’re looking for, Spot has two add-on policies for wellness coverage. The company’s basic plan (Gold Preventative Care) includes up to $250 in annual reimbursement for routine services such as dental cleanings, wellness exams, and rabies vaccinations. The more comprehensive plan (Platinum Preventative Care) has an annual coverage cap of $450. It includes additional items not covered in the basic plan, such as flea and heartworm prevention, urinalysis, and a blood test.
Get Quote: Compare Spot’s rates for your cat or dog.
Learn More: Spot Pet Insurance Review
With a score of 93.5 out of 100, Embrace was our top choice for best deductibles. With Embrace, pet owners have the choice of five annual deductible options ($200, $300, $500, $750, or $1,000), as well as five annual reimbursement limits ($5,000, $8,000, $10,000, $15,000, or $30,000). The company also offers a Healthy Pet Deductible, through which your deductible reduces by $50 each year you have the policy and do not file a claim.
Embrace Pros and Cons
✔ Founded in 2003, it has more experience than its competitors
✔ 48-hour waiting period for accidents, a shorter window than most competitors
✔ Multiple discounts available
✘ Highest annual limit is $30,000, which is lower than other providers
Embrace Plans and Coverage
Embrace offers pet owners two choices for their cat or dog—an accident-and-illness and an accident-only plan. The accident-and-illness plan covers a broad range of procedures and treatments, including these:
- Dental trauma
- Diagnostics (such as X-rays, MRIs, CT scans, ultrasounds)
- Exam fees
- General, specialist, and emergency care
- Genetic, chronic, and congenital conditions
- Surgery and hospitalization
While preexisting conditions are excluded, if your pet has a curable preexisting condition (such as a respiratory, ear, or bladder infection), Embrace will cover it as long as the same illness does not return within 12 months of the first occurrence.
The accident-only plan covers broken bones, poisoning, toxic or foreign ingestion, lacerations, burns, and procedures and prescriptions relating to accidents. There is an annual $100 deductible, and pet parents are reimbursed 90% of veterinary bills (up to $5,000 each year). If your pet is 15 years and older, they are limited to the accident-only plan.
In addition to a standard plan, Embrace provides an optional Wellness Rewards Plan, which reimburses pet owners for preventive care costs, including wellness exam fees, vaccinations, spay/neuter surgery, prescription diet foods, grooming, hip dysplasia exams, and more. Based on your pet’s anticipated needs, you can choose an annual limit of $250, $450, or $650, and optional Wellness Rewards will reimburse 100% of the covered items.
Get Quote: Learn more about Embrace’s rates and coverage for your furry friend.
Learn More: Embrace Pet Insurance Review
Healthy Paws received a score of 93.5 out of 100, as we were impressed with its unlimited coverage caps. Pet owners never have to worry about reaching a per-incident, yearly, or lifetime maximum or paying out of pocket for expensive vet bills after their deductible is met. Healthy Paws also provides a 30-day money-back guarantee if you are dissatisfied with your pet insurance plan.
Healthy Paws Pros and Cons
✔ Fast, easy claims process
✔ Comparison tool recommends other providers if your quote is higher than normal
✔ Every free quote results in a donation to a homeless pet’s medical care
✘ Does not offer preventive care add-ons
✘ Does not offer discount options
Healthy Paws Plans and Coverage
Healthy Paws offers one standard accident-and-illness plan, with no maximum payout limit and no per-incident, annual, or lifetime caps. The standard plan covers a variety of testing, procedures, and treatments, which can include surgery, hospitalization, prescriptions, diagnostics, and specialty care.
Preexisting conditions, spay/neuter surgeries, wellness exams, and other preventive treatments are excluded. Healthy Paws also requires a 12-month waiting period for hip dysplasia, which competitors often cover after six months.
Get Quote: Determine whether rates with Healthy Paws’ insurance coverage is right for your pal.
Learn More: Healthy Paws Pet Insurance Review
If you’re new to pet ownership, ASPCA provides numerous resources to teach you everything you need to know about owning and caring for a pet. Scoring an 89 out of 100, ASPCA features informative articles on various breeds, how to treat certain illnesses, and the latest pet trends. You can also access a helpful vet finder tool on its website and mobile app, where you can also file a claim and manage your plan.
ASPCA Pros and Cons
✔ Flexible customization with three reimbursement options, three annual deductible options, and five annual limit options
✔ Offers a 10% multi-pet discount
✔ Provides coverage for behavioral conditions, unlike many competitors
✘ No annual coverage limit above $10,000
✘ Transaction fees apply if you choose to pay monthly
ASPCA Plans and Coverage
ASPCA offers two pet insurance plans—the Complete Coverage plan and the Accident-Only plan. With Complete Coverage, pets receive comprehensive coverage, including these:
- Accidents (including care for related injuries and emergencies)
- Behavioral issues
- Hereditary and congenital conditions
- Major and minor illnesses
The Accident-Only plan is best suited for pet parents who want peace of mind should an emergency, accident, or unexpected injury occur, such as broken bones, cuts, and bite wounds. Like competitors, both ASPCA plans exclude preexisting conditions, whether they occur before or during the 14-day waiting period.
ASPCA covers preventive care with its Basic and Prime add-ons. These cover up to $250 or $450 annually, respectively, for dental cleanings, wellness exams, and vaccinations.
Get Quote: Learn more about coverage and rates with ASPCA.
Learn More: ASPCA Pet Insurance Review
With Prudent Pet’s extensive range of adjustable coverage options, it’s no surprise it scored 95 out of 100 for the most comprehensive plans. With three standard plans, four deductible amounts, three reimbursement options, and two add-ons, there’s an excellent chance you’ll find the coverage and price that works best for you and your furry friend.
Prudent Pet Pros and Cons
✔ 30-day money-back guarantee
✔ 24/7 vet chat available with each policy
✔ Meets a range of specific needs and budgets
✘ Annual limit for the Accident-Only and Essential Plans cannot be adjusted (they both max out at $10,000 per year)
✘ No mobile app
Prudent Pet Plans and Coverage
Coverage through Prudent Pet offers three plan options—Essential, Unlimited, and Accident-Only. The Essential and Unlimited plans both provide accident-and-illness coverage, such as cancer treatments, hip dysplasia, hereditary conditions, broken bones, bite wounds, and prescriptions. However, the Unlimited plan comes with no annual limit and covers additional costs, including these:
- Advertising and rewards for a lost pet
- Behavioral disorders
- Boarding/kennel fees
- Mortality fees
- Replacement of a stolen or stray pet
- Vacation cancellation or postponement due to a pet’s covered accident or illness
The Accident-Only plan is a cheaper coverage option that covers bite wounds, broken bones, injuries to the mouth, diagnostic tests, surgery, specialized care, prescription medications, and swallowed foreign objects.
As an add-on, Prudent Pet also offers coverage to help with the costs of exams or consultations related to treating your pet’s covered illness or injury. Additionally, it offers low, medium, and high wellness coverage levels if pet owners want assistance paying for microchipping, vaccinations, spay/neuter surgeries, and wellness exams.
Get Quote: Compare Prudent Pet’s rates for your dog or cat.
Learn More: Prudent Pet Pet Insurance Review
Fetch by the Dodo
If you are a pet family that takes a holistic approach to health care, the folks at Fetch fully support that. Fetch scored a 91.5 out of 100 and was our top choice for best holistic coverage. Fetch covers alternative treatments and therapies, such as acupuncture and chiropractic treatment, typically limited or excluded by other companies. It also covers up to $1,000 for behavioral therapy.
Fetch Pros and Cons
✔ 10% discount for shelter and rescue adopters, AARP members, veterans and active military, therapy pet parents, and veterinarians and vet staff members
✔ Coverage for breed-specific conditions
✔ More comprehensive dental benefits than the majority of competitors
✘ No multi-pet discount available
✘ No preventive care add-ons
Fetch Plans and Coverage
Fetch offers one plan for accidents and illnesses, with maximum annual payout options of $5,000, $10,000, or $15,000. You can also choose from a $300, $500, or $700 deductible and a 70%, 80%, or 90% reimbursement rate. Fetch’s policy offers well-rounded coverage that includes vet visits, procedures, and treatments related to an accident or illness. It also offers additional perks, such as coverage for hereditary conditions, comprehensive dental, vacation cancellation, boarding, and “televet” services (online messaging with a licensed vet).
Much like other providers, Fetch policies do not cover preexisting conditions, cosmetic procedures, or wellness visits. The company also does not offer a preventive or wellness care add-on.
Get Quote: Get your customized Fetch policy details.
Learn More: Fetch Pet Insurance Review
Figo scored a 93 out of 100 and led the pack in extra coverage add-ons. In addition to its three standard plans, Figo has three separate add-on packages—wellness, vet exams, and an Extra Care Pack with several unique perks, including third-party property damage liability up to $10,000.
Figo Pros and Cons
✔ Offers a 100% reimbursement rate option, not offered by many competitors
✔ Lower rates for older pets compared to competitors
✔ “Pet Cloud” gives 24/7 vet access, sends reminders, and connects you with nearby pet parents
✘ Annual checkups and dental exams are required to maintain coverage
✘ No coverage for behavioral issues
Figo Plans and Coverage
Figo offers customers three plans to choose from, each providing the same reimbursement options for expenses from accidents, injuries, illnesses, and ongoing conditions. The plans differ when it comes to the annual coverage cap:
- Essential Plan: $5,000 annual benefits
- Preferred Plan: $10,000 annual
- Ultimate Plan: Unlimited benefits
Plans have several exclusions, such as preexisting conditions, cosmetic surgeries, rehabilitation, behavioral treatment, supplements, and wellness visits. However, some of these may be covered when you purchase an add-on.
In addition to the Extra Care Pack, Figo’s Basic and Plus wellness add-ons reimburse for routine care such as vaccinations, blood tests, spay/neuter surgery, and heartworm prevention. There are caps for each treatment. Review this sample policy for more details.
Get Quote: Compare Figo’s pet insurance rates.
Learn More: Figo Pet Insurance Review
Compare Alaska’s Best Pet Insurance Companies
Here’s a quick review of essential coverage details for top pet insurance providers:
|Provider||Average Cost of Dog Insurance*||Average Cost of Cat Insurance*||Number of Plans and Add-Ons||Wellness Add-On Available|
*Based on sample quotes for a mixed-breed, 4-year-old dog or cat in Juneau, Alaska.
How Much Is Pet Insurance in Alaska?
Alaska pet insurance costs can vary depending on several factors, from your ZIP code to your pet’s breed. You can anticipate the average cost for a standard dog insurance policy to range from $12 to $75 per month and a cat insurance plan to cost between $10 and $50.
Below are several factors pet insurance companies consider when pricing their policies:
- Breed: The breed of your cat or dog can affect your monthly premium, mainly if a specific breed is susceptible to certain illnesses. For example, German shepherds are prone to developing hip dysplasia in their lifetimes and are therefore riskier to insure.
- Age: As pets age, their risk for illness or injury increases, and, by default, so do the costs to cover them. If you secure a pet insurance policy for your pet while it is young, the cost of your premium will be lower and remain low throughout its life (compared to the price of purchasing a new policy for an older pet).
- Location: Alaska pet insurance rates are usually calculated based on the rates of local veterinarians in your ZIP code. If you live in Anchorage or Juneau, your rates will likely be higher than if you reside in a smaller town like Kodiak or North Pole.
- Discounts: Using a pet insurance provider that offers discounts is a great way to keep your costs down. For example, Fetch gives discounts to AARP members, veteran and active military members, and those who adopted or rescued their pet. ASPCA takes 10% off if you have a policy for multiple pets.
- Customization: Annual coverage caps, deductibles, and reimbursement rates can raise or lower your monthly premium, so choose carefully when customizing your plan. If you select a plan with a low deductible but a high payout and a high reimbursement percentage, your costs will be higher. If you absorb some of the cost by selecting a higher deductible or low reimbursement percentage, your rates will be much cheaper.
Learn More: Best Cheap Pet Insurance Providers
Whether you’re hiking with your dog through Wrangell-St. Elias National Park or relaxing by the fire with your cat, it is important to have peace of mind that your furry family member will be cared for after an illness or injury.
Each provider offers unique features—such as Spot’s customizable plans, Embrace’s flexible deductibles, or Healthy Paws’ unlimited coverage. We recommend taking the time to compare at least three pet insurance quotes from our top selections to ensure you get the best coverage for your pet and your budget.
Frequently Asked Questions
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 firstname.lastname@example.org