4 Best Pet Insurance Providers - Apr. 2021

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Bottom Line

Pros

Cons

A reputable pet insurance company that has been in business since 1976, and offers some nice extras.

Pros

Offers coverage for dogs and cats of all ages. Doesn't exclude hereditary or chronic health conditions. Dental coverage included, as well as reimbursement for exams. Additional perks include 24-hour customer service, paperless claims, and free veterinarian access through the PetCoach app and website.

Cons

Policy holders have expressed frustration over being asked to re-submitted documents they had already submitted. Reports of claim denials with inadequate explanation about decisions are possible.

Best Bang for the Buck

Pet First

Pet Insurance

Check Price

Quick Claim Processing

Bottom Line

Good coverage from a highly-rated company that has many satisfied customers as well as occasional reports of unfairly denied claims.

Pros

Processes approved claims in as little as 2 days. Policies available for dogs and cats of a wide range of ages. Covered pets can be seen by any licensed veterinarian. Chronic and genetic issues are covered. No caps. Company has a foundation that supports homeless animals.

Cons

Doesn't cover preventative care. Only covers dental issues caused by accidents. Unexpected rate hikes and surprise denials reported.

A few limitations aside, Embrace is a trusted pet insurance company that has a high customer satisfaction rate for the plans and coverage options it provides.

Pros

Top pet insurer with a high rating from the Better Business Bureau. Insures cats and dogs. Pays claims quickly and has a lower rate of denials than some other companies. Offers a wellness rewards program and multi-pet discount. No annual vet visit required to maintain coverage. Diminishing deductible option.

Cons

Some unexpected pre-existing condition limitations. No illness coverage for animals over 14 years of age.

Does the thought of encountering potentially high costs for necessary veterinarian services for your 4-legged family members keep you up at night? If so, you aren't alone, as even routine pet healthcare can cost hundreds of dollars, and treatment for illnesses and injuries can run into the thousands. Covering your cats and dogs with pet insurance is an option that can cut down on these costs. Also called pet health insurance, this type of policy works similarly to health insurance for people by covering a portion of veterinarian bills after deductibles, co-pays, and other costs are met. If you are looking for coverage for your pets, keep in mind that premium costs will vary depending on the level of coverage you choose. Additionally, some companies have pet age limits and/or require various waiting periods for coverage to begin; plus some do not cover certain illnesses or pre-existing conditions.