Our editors and writers have spent many hours investigating the top pet insurance providers since 2016. Based on more than fifty data points, we evaluated 19 insurers and looked into the features, limitations, and benefits of each plan. We selected ten top choices, including Lemonade, AKC, and Embrace, based on this data.
Money’s Main Takeaways
- Spot offers age-capless, limitless coverage.
- Figo provides limitless payouts and 100% refund.
- The ideal choice for pre-existing conditions is AKC.
- Pumpkin provides top-notch programs for preventive care.
Best Pet Insurance Company Reviews
The quotations for a 5-year-old German shepherd from Columbia, South Carolina, and a 5-year-old Maine Coon are used to create sample premiums.
embrace pet insurance
Why we chose Embrace
Because Embrace offers not only multi-pet and military discounts, but also a 5% to 10% reduction if you don’t file a claim during the policy’s term, it is our choice for the best pet insurance for numerous discounts.
Embrace provides comprehensive pet insurance policies that are comparable to those of the top companies offering pet insurance. The majority of diseases and injuries that are not pre-existing conditions will have your diagnostic and treatment covered by the insurance company. Exam costs, diagnostics, prescription drugs, surgery, ambulance rides, and, if required, hospital stays are included in this.
This is one of the few insurance companies that would give you a discount if you keep your pet healthy. In the first year that you qualify, you can receive 5% off your monthly premium if your annual pet claims total doesn’t exceed $300 before the discount period. If the following year you meet the requirements as well, the discount rises to 10%.
Embrace is also the insurance provider for the members-only USAA Pet Insurance program. Veterans and military personnel
- The annual maximum for dental sickness coverage is $1,000.
- A 6-month waiting period applies to orthopedic issues, though it may be removed with a medical examination.
- Food, vitamins, and natural supplements are not covered.
Spot Pet insurance to love
The rationale behind our choice of Spot
Because Spot caters to pet parents who want to maximize their pet’s coverage, no matter the cost, it is our choice for the best pet insurance with limitless coverage. Given that there is no upper age limit for coverage, Spot is also a great option for elderly pets.
Spot makes it easy for you to optimize your pet’s coverage, since it offers a complete (100%) coverage option, which eliminates any co-payment obligations. Furthermore, the organization provides a very low ($100) deductible option to further minimize your out-of-pocket medical expenses.
Nevertheless, selecting a low deductible or a low co-payment will result in higher insurance costs. Additionally, Spot’s rates are already higher than average for young pets, but the company does not have an upper age limit for new animal insurance, so it can be a decent option if your furry friends are senior citizens.
Pumpkin
Reasons behind our choice of Pumpkin
Because it provides comprehensive insurance and non-insurance preventive care alternatives catered to younger animals, Pumpkin is our choice for the best pet insurance for puppies and kittens.
Pumpkin provides affordable pet insurance plans with the option to include coverage for young dogs and cats’ preventative care. Four puppy vaccinations, a yearly fecal test, and an annual wellness assessment are all included in its puppy preventive care package. In addition, it will pay for lab testing for parasites and reimburse the cost of up to four vaccinations your puppy may have had before being covered by the preventive pack.
Pumpkin provides complete accident and illness coverage for dogs and cats of all ages, along with some exceptional perks like microchip implantation, stem cell therapy, and a consultation cost for pet poisoning prevention. Pet owners can avoid making the trip to the emergency room by calling the ASPCA Poison Control Center or the Pet Poison Helpline.
American Kennel Club
The rationale behind our selection of AKC
Because AKC is the only company that covers diseases and injuries experienced prior to the policy’s effective date or during the waiting period, we chose it as the best pet insurance option for dogs and cats with pre-existing conditions.
The pet insurance policy offered by the American Kennel Club (AKC) provides unparalleled coverage for pre-existing conditions. You have to keep the policy current for a full year in order to qualify. After the waiting time ends and the policy renews, any pre-existing condition that was formerly excluded will be completely covered.
For qualified accidents and diseases, AKC’s policy provides coverage for diagnostic and treatment, including the following services:
- Labs
- X-rays
- Ultrasounds
- MRI and CT scans
- Surgery and hospitalization
- Physical and alternative therapy
- Medication
- Chemotherapy
- Euthanasia
Preventive care, coverage for final expenses, veterinary exam fees, behavioral therapy, hereditary and congenital disorders, and breeding-related concerns are additional costs that you may incur.
Owners of pets should be aware of certain restrictions on AKC coverage. There’s no coverage for dental illnesses, and hereditary and congenital conditions aren’t covered unless you purchase the HereditaryPlus rider. To be eligible for this add-on, residents of Florida, California, and Washington must enroll their pet before the animal becomes two years old.
FIGO
The reason we choose Figo
The majority of rivals only provide reimbursements of up to 90%. Because pet owners can pick up to 100% reimbursement without yearly payout limits and completely eliminate copayments, Figo stands out as the finest pet insurance for reimbursement possibilities.
With Figo’s 100% reimbursement option, pet owners can decide to have their copayment reduced to 0%. (In general, other insurers offer copayments as low as 10%.)
If you want an insurance with 0% copay, unlimited payout benefits, or both, be prepared to pay premiums that are more than normal. Additionally, Figo has stringent restrictions on the inherited diseases it will cover, including renal illness, intervertebral disc disease, and hyperthyroidism (IVDD).
Furthermore, many services, including physical therapy and reimbursement for exam fees, are only offered as separate riders; other carriers cover these benefits as part of their standard insurance.
The Pet Cloud app from Figo offers extensive mobile support. Among other things, you may use the app to manage your pet’s insurance paperwork, pay bills, and get in touch with a professional veterinarian around-the-clock.