Best Pet Insurance Providers

Updated January 2020
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BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We only make money if you purchase a product through our links, and we never accept free products from manufacturers. Read more  
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We buy all products with our own funds, and we never accept free products from manufacturers.Read more 
Bottom Line
Pros
Cons
Best of the Best
Petplan Pet Insurance
Petplan
Pet Insurance
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No Age Limitations
Bottom Line

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.

Embrace Pet Insurance
Embrace
Pet Insurance
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Highly Rated
Bottom Line

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.

Best Bang for the Buck
Pet First Pet Insurance
Pet First
Pet Insurance
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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.

Pets Best Pet Insurance
Pets Best
Pet Insurance
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Customizable Plans
Bottom Line

Worth considering for pet owners who want customized plan options for specific needs or conditions; but also comes with similar issues as other pet insurance companies including denials and claim processing problems.

Pros

Offers special coverage options for dogs and cats with various conditions, including advanced age, cancer, and hereditary issues. Some plans offer wellness coverage. Different plan levels available to fit pets' individual needs. Coverage for exams; multi-pet discounts available.

Cons

Mixed opinions of customer service – some consumers say it's attentive; others say it's incompetent. Confusion over what indicates a pre-existing condition likely. Denials are common; some difficulties getting claims processed noted.

Why trust BestReviews?
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We only make money if you purchase a product through our links, and we never accept free products from manufacturers. Read more  
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We only make money if you purchase a product through our links, and we never accept free products from manufacturers. Read more  
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers. We buy all products with our own funds, and we never accept free products from manufacturers.Read more 
How we decided

We purchase every product we review with our own funds — we never accept anything from product manufacturers.

11 Models Considered
5 Hours Researched
1 Experts Interviewed
231 Consumers Consulted
Zero products received from manufacturers.

We purchase every product we review with our own funds — we never accept anything from product manufacturers.

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.

The team that worked on this review
  • Jennifer
    Jennifer
    Writer
  • Melinda
    Melinda
    Web Producer

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