We’re often asked what is the best way to choose a pet insurance company. Well, there are a couple of ways to go. You can either start by asking yourself some questions. What type of coverage do you need? Do you want a plan that covers accidents only, or do you want a plan that covers accidents and illnesses? Do you want a plan that includes wellness care? You can also do some research to see what each insurance provider offers. If we’re honest, this route will take you a lot of time and energy.
The much easier way to choose a pet insurance plan is to use our website. We rank the best pet insurance companies by sifting through over 200,000 honest reviews from pet parents just like you. According to our most recent findings, the following are the best pet insurance companies of January 2026:
Our Process
When it comes to recognizing best pet insurance companies in the industry, we’ve got a bit of an advantage. Every month, pet parents just like you use our website to not only search for providers, but to also leave honest reviews of the companies they’ve chosen.
And each month we track this data to rank the top 10 pet insurance providers. We add together each insurer’s overall ratings scores and divide that score by the total number of reviews we have received for that insurer to give an overall average score. We are thrilled to find that so many pet insurance companies seem to be getting a lot of things right! And according to our customers, the following 10 providers are the absolute best pet insurance companies for Jan 2026.
Embrace
Number 1 on our list of top pet insurance companies of 2026 is Embrace. Embrace offers a comprehensive accident and illness plan as well as an additional Wellness Rewards program. Their Wellness plan is non-insurance based but it will help you cover the cost of routine exams, teeth cleaning, spaying and neutering and more.
Embrace offers a multi-pet discount of 10%. Plus, for each year a pet parent does not submit a claim, Embrace will decrease your deductible by $50. Claims can be submitted through Embrace’s app, as well as by email, fax or regular mail.
Something that really sets Embrace apart is that they have one of the shortest waiting times of all of the companies on our list. They have a two-day waiting period for accidents. Their 14-day waiting period for illnesses is pretty standard.
Read what some customers had to say about their experience with Embrace.
Pros:
- Claims submitted easily through mobile app
- Short two-day waiting period for accidents
- Decreasing deductibles for zero claim reimbursements
Cons:
- No coverage for exotic pets
- No wellness or preventative care coverage
The Final Verdict:
Embrace offers insurance plans for dogs and cats. While no wellness coverage is included, pet parents are able to buy their Wellness Rewards plan that will cover the costs of check-ups, spaying/neutering, and even grooming and training.
For more information, visit Embrace’s website.
Healthy Paws
Coming in hot at number 2 is Healthy Paws pet insurance. With over 10,000 verified reviews and an overall score of 4.9 out of 5, Healthy Paws was rated the best pet insurance company by customers in 2015, 2016 and 2017 at Petinsurancereview.com, Consumersadvocate.org, PetInsuranceQuotes.com and other leading review sites.
Healthy Paws likes to keep things as simple as possible. That’s why they offer one simple plan that covers cat and dog accidents and illness with no per incident, annual or lifetime payout limits. They are another insurance provider that believes in giving back. With each pet insurance quote submitted, Health Paws makes a donation to a pet rescue or animal shelter through its Every Quote Gives Hope™ medical grant program.
Most claims are processed within 10 days and Healthy Paws has taken the paper work and traditional claims form out of the picture. Customers can simply snap a photo of the vet bill and submit the image through the Healthy Paws app or through their website.
Read some recent reviews for Healthy Paws from customers.
Pros:
- No coverage limits
- Pet parents can use any licensed veterinarian in the country
- Vet bills may be submitted through their mobile app or website
Cons:
- No coverage for exotic pets
- Pets enrolled before the age of 6 will experience a 12-month waiting period for hip dysplasia
- A $25 admin fee to initially set up your account
The Final Verdict:
Healthy Paws offers accident and illness coverage for cats and dogs. No need for typical claims forms to be filled out. Simply upload an image of your bill and be paid within 10 days.
You can find out more information from the Healthy Paws website.
Fetch by The Dodo
In our 3rd spot is Fetch by The Dodo with an overall score of 4.9 out of 5 from our customers. Fetch stands out as the pet insurance recommended by the #1 animal brand in the world.
Fetch offers a comprehensive accident and illness plan, however they do not offer a wellness plan to cover things like vaccinations and teeth cleaning. Having said that, they do offer coverage that many other providers don’t for things like behavioral issues, alternative and holistic therapies, and boarding fees if you are hospitalized. Fetch even covers virtual vet visits up to $1,000 each year without a copay.
Another nice thing about fetch is that they offer multiple ways for pet parents to save on their premiums. You have the option of avoiding installment fees by choosing to pay quarterly or annually. There is no multi-pet discount, but Fetch does offer discounts for pets adopted from a rescue shelter, as well as to active duty and veterans and AARP members.
Read some recent reviews for Fetch left by customers.
Pros:
- Exam fees are covered
- Earn up to 30% off premiums with Healthy Pet Credit
- Coverage included for behavior, alternative therapies, boarding fees, and vet-recommended supplements
Cons:
- No wellness plan option
- No exotic pets covered
- Coverage renewal requires annual wellness visit
The Final Verdict:
Fetch by The Dodo offers pet parents a comprehensive accident and illness plan. While it doesn’t offer a wellness plan, you are able to cover some things other providers won’t cover. Fetch also has multiple ways to save on monthly premiums.
Get more information from their website.
Pets Best
In our next spot is Pets Best, earning an overall score of 4.9 out of 5 from customers. Pets Best has been a trusted name in pet insurance for years and is known for its flexible coverage options and straightforward approach to protecting pets.
Pets Best offers accident and illness coverage with the option to add routine wellness care. This means pet parents can choose coverage for unexpected vet visits while also getting help with everyday costs like vaccinations, flea and tick prevention, and routine exams if they opt into a wellness plan. They also stand out for offering coverage for exam fees as an add on, as well as alternative therapies such as acupuncture and chiropractic care when recommended by a veterinarian.
Unlimited annual coverage options are available, which is a big plus for pets with chronic or ongoing conditions. Pets Best also provides access to a 24/7 veterinary helpline, giving pet parents peace of mind any time questions come up.
Here are some recent reviews for Pets Best left by customers.
Pros:
- Flexible accident and illness plans with optional wellness coverage
- Unlimited annual coverage options available
- Exam fee coverage available as an add on
- Multi pet discount offered
- 24/7 vet helpline included
Cons:
- No coverage for exotic pets
- Wellness coverage requires an additional plan
The Final Verdict:
Pets Best is a strong option for pet parents who want customizable coverage and the ability to choose both accident and illness protection and routine wellness care. With flexible plan options, unlimited coverage choices, and a multi pet discount, Pets Best makes it easier to build a plan that fits both your pet’s needs and your budget.
For more information, visit their website.
Trupanion
With over 60,000 reviews and an overall score of 4.8 out of 5 by our customers, it’s easy to see why Trupanion has been ranked as one of the best pet insurance companies of 2026.
Trupanion offers pet insurance policies for cats and dogs that cover accidents and illnesses. Currently, there is no coverage for exotic pets such as birds, reptiles or small mammals.
This provider’s standard plans will cover breed-specific and congenital issues. Pet parents can also opt for add-on policies that cover things like damage done by your pet to someone else’s property, boarding fees should you be hospitalized, rehabilitation and alternative therapies like acupuncture.
Trupanion offers a wide range of premium and deductible options. For instance, their deductibles range from $0 to $1,000. Keep in mind that pet insurance works like human health insurance. The lower your deductible, the higher your monthly premiums will be.
Something that really sets Trupanion apart from other providers on this list is that they don’t have any coverage limits. Often a pet insurance company will have either annual or per condition payout limits, but not Trupanion. They do not, however, cover pre-existing conditions.
Here are some recent reviews from customers about Trupanion.
Pros:
- Covers breed-specific conditions and congenital conditions
- Short waiting period of 5-days for injuries
- No payout limits
- Wide range of deductible/premium options
Cons:
- Longer waiting period for illnesses coverage
- No coverage for exotic pets
- Exam fees and preventive care are not covered
The Final Verdict:
Trupanion offers accident and illness coverage for dogs and cats. Pet parents also have the option of adding coverage for rehab and alternative therapies. Their policies have no coverage limits and offer a broad range of deductible options to choose from.
You can find out more information from their website.
Prudent Pet
At number 6, Prudent Pet is a newer kid on the block but has already received an overall score of 4.8 out of 5 from our customers. Founded in 2018, the company offers two plans, plus a comprehensive package that involves unlimited yearly coverage for vet costs, as well as reimbursements for some covered items that many other providers don’t. For instance, lost pet ads and holiday cancellation fees.
Prudent Pet offers accident-only coverage for as little as $10 per month and accident and illness coverage for as little as $16. These are some of the absolute lowest monthly premiums around. It should be noted that with Prudent Pet and all providers on this list, coverage costs are based on your pet’s age, breed, and zip code.
Here are what some customers had to say about Prudent Pet.
Pros:
- An option for unlimited annual benefits
- Additional coverage may be added on
- No age or breed restrictions
- 24/7 vet support
Cons:
- Longer wait times for reimbursement – up to 30 days
- Annual health exams required
- Annual benefit limits not customizable
The Final Verdict:
A newer provider, Prudent Pet is already making waves in the industry by offering top coverage along with some pretty sweet extras not offered by many others. Monthly premiums are some of the lowest we’ve seen, and certain plans offer unlimited annual benefits.
Find out more from the Prudent Pet website.
Lemonade
Lemonade has received a score of 4.8 out of 5 from our customers. One of the things that sets this provider apart is the fact they use a non-traditional insurance model. To start, they rely on Artificial Intelligence and what is called “behavioral economics” to replace traditional brokers and bureaucracy. They also take a flat fee from monthly premiums, use the rest to pay the claims, and donate the remaining funds to a charity selected by their customers.
This new insurance model means Lemonade is able to provide customers with great service and very low monthly premiums. In fact, Lemonade’s sample $11 monthly cat insurance premium and $19.44 sample monthly dog insurance premium are some of the lowest of all the providers on our list. Additional savings can be earned by covering multiple pets, making annual payments, or bundling more than one insurance product.
Lemonade’s policies cover vet costs resulting from illness or accidents and include things like diagnostic testing, emergency care, surgery, hospitalization and medications. Pet parents are also able to choose from three preventative care packages to cover expenses from wellness exams, dental cleanings, routine blood tests and spaying and neutering.
Like most other pet insurance providers, Lemonade does not cover any pre-existing conditions.
Here are some recent Lemonade reviews left by users.
Pros:
- Low monthly premiums
- Offers three different preventative care packages
- Multiple discounts are available
- Great customer service
Cons:
- Available in only 35 states and the District of Columbia
- No coverage for exotic pets
The Final Verdict:
Lemonade sells incredibly affordable pet insurance for dog and cat parents. They also pride themselves on awesome customer service and cutting out unnecessary bureaucracy. Oh, and they donate to charity! While they are currently only providing coverage in 35 states, they are continuing to expand.
You can find out more information from their website.
Nationwide
In our next spot is Nationwide Pet Insurance with an overall score of 4.8 out of 5 from our customers. Nationwide is one of the longest standing pet insurance providers in the United States and is known for offering coverage for a wide range of pets, including dogs, cats, and even birds and exotic animals, which many providers do not cover.
Nationwide offers accident and illness plans along with optional wellness coverage for routine care. Depending on the plan, pet parents can receive help paying for vet visits related to injuries, illnesses, hereditary conditions, diagnostics, and testing. Wellness coverage can help with everyday expenses such as annual exams, vaccinations, heartworm prevention, flea control, and bloodwork. Nationwide also provides access to a 24/7 veterinary helpline and prescription savings through its pharmacy partners.
One feature that truly sets Nationwide apart is its willingness to insure exotic pets like birds, reptiles, and small mammals. This makes it a strong option for pet parents who have animals outside of the typical dog or cat household. Nationwide also offers a multi pet discount, which can help reduce premiums when insuring more than one pet.
Read some recent reviews for Nationwide left by customers.
Pros:
- Coverage available for dogs, cats, birds, and exotic pets
- Optional wellness plans for routine care
- Access to a 24/7 vet helpline
- Multi pet discount available
Cons:
- Some plans have set annual benefit limits rather than unlimited coverage
- Pre existing conditions are not covered
- Wellness coverage costs extra and may not be available in all states
- Age limits may apply for enrollment in certain plans
The Final Verdict:
Nationwide Pet Insurance is a good option for pet parents looking for broad coverage options, especially those with exotic pets. With accident and illness plans, optional wellness coverage, and helpful member perks, Nationwide offers flexibility and convenience, though plan limits and customization options may be more restrictive compared to some other providers.
For more information, please visit their website.
Pumpkin
In our next spot is Pumpkin Pet Insurance with an overall score of 4.7 out of 5 from our customers. Pumpkin is known for its modern, pet focused approach and strong customer satisfaction, with many pet parents highlighting fast claims processing and reliable support when it matters most.
Pumpkin offers a comprehensive accident and illness plan that helps cover veterinary care for injuries, illnesses, diagnostics, hospital stays, surgery, prescriptions, and more. Plans can reimburse up to 90 percent of eligible vet bills, helping reduce out of pocket costs. Pumpkin also covers conditions that some providers exclude, including dental illnesses, behavioral issues, hereditary conditions, and parasite infections. Exam fees for covered accidents and illnesses are included, whether the visit is in person or virtual.
While routine care is not included by default, Pumpkin offers an optional wellness add on called Preventive Essentials. This can help reimburse costs for annual exams, vaccinations, parasite screening, and other routine services. Pumpkin also offers an urgent pay feature that allows eligible claims to be reimbursed quickly when care is time sensitive.
Another standout feature of Pumpkin is flexibility. There are multiple annual coverage limit options, including an unlimited option, and pets of all ages and breeds are eligible with no upper age limits. Pumpkin also offers a multi pet discount, which can help lower premiums for households with more than one dog or cat.
Here are some recent reviews for Pumpkin left by customers.
Pros:
- Up to 90 percent reimbursement on eligible vet bills
- Broad accident and illness coverage including dental and hereditary conditions
- No breed or upper age restrictions
- Multi pet discount available
Cons:
- Wellness coverage requires an additional add on
- Pre existing conditions are not covered
- No dedicated mobile app
The Final Verdict:
Pumpkin Pet Insurance is a strong option for pet parents looking for robust accident and illness coverage with high reimbursement options. With flexible annual limits, coverage for commonly excluded conditions, and optional wellness benefits, Pumpkin offers solid protection and peace of mind for dogs and cats.
For more information, visit their website.
Spot
Ranked number 6 by our customers, Spot has a 4.6 out of 5 rating. Spot offers an accident-only plan, or an accident and illness plan for cats and dogs. Policies come with annual deductibles and annual coverage limits.
Spot stands out from other providers because their basic insurance plan not only covers major procedures like surgeries and prescription medications, but also diagnostic exams and alternative treatments like chiropractic and hydrotherapy. Their basic plan does not cover wellness care, but Spot does offer two preventative care packages (Gold Preventative and Platinum Preventative) to cover all of your bases.
Spot also offers a multi-pet discount.
Here are some recent reviews by customers:
Pros:
- Choice of accident and illness policies or accident-only plans
- Unlimited coverage option
- Exam fees related to accident/illness reimbursed
- Multi-pet discount
Cons:
- No wellness exams covered (but option to buy add-on packages)
- No exotic pets
The Final Verdict:
Spot pet insurance offers accident-only coverage or accident and illness coverage. Pet parents can also buy additional packages to cover preventative care. And Spot will help you save money if you enroll more than one pet.
Find out more about Spot by visiting their website.
MetLife
In our next spot is MetLife Pet Insurance with an overall score of 4.6 out of 5 from our customers. Many pet parents appreciate MetLife for its clear policies and relatively simple claims process, with online submissions and responsive customer support being commonly mentioned highlights.
MetLife offers customizable accident and illness coverage that helps pay for a wide range of veterinary expenses, including injuries, illnesses, surgeries, hospital stays, diagnostics, and prescription medications. Pet parents can choose their reimbursement percentage, deductible, and annual coverage limit to better align with their budget and their pet’s needs. Coverage includes common and serious conditions such as fractures, foreign body ingestion, ligament injuries, and chronic illnesses. MetLife also offers optional preventive care add-ons that can help reimburse routine costs like annual exams, vaccinations, parasite prevention, and dental cleanings.
One feature many pet parents find appealing is same day accident coverage, which can offer peace of mind right after enrollment. MetLife also includes access to a free 24/7 veterinary chat, allowing pet parents to ask questions and get guidance at any time. Another convenience is the ability to insure multiple pets under one family policy, often with shared deductibles and coverage limits, which can simplify managing insurance for multi pet households.
Here are some recent reviews for MetLife left by customers.
Pros:
- Customizable accident and illness plans
- Optional preventive care coverage for routine expenses
- Same day accident coverage available
- Free 24/7 vet chat included
- Multi pet policies available
Cons:
- Pre existing conditions are not covered
- Premiums may increase at renewal
- Some pet parents report longer claim processing times
The Final Verdict:
MetLife Pet Insurance is a solid option for pet parents who value flexibility and convenience. With customizable coverage, optional wellness add ons, and helpful features like same day accident coverage and a 24/7 vet chat, MetLife offers dependable protection for both everyday care and unexpected veterinary costs.
To learn more, visit their website.
ManyPets
In our next spot is ManyPets with an overall score of 4.6 out of 5 from our customers. ManyPets stands out for its user-friendly digital experience, transparent policies, and high satisfaction among pet parents who appreciate clear coverage and easy claims handling.
ManyPets offers comprehensive accident and illness coverage that helps with the cost of vet visits related to injuries, illnesses, diagnostics, surgeries, hospital stays, and prescription medications. Plans include coverage for hereditary and congenital conditions and behavioral therapy when recommended by a veterinarian. ManyPets also reimburses exam fees for covered accidents and illnesses as part of its standard plans.
Routine wellness care such as annual checkups, vaccinations, and preventive treatments are not included by default but can be added as optional coverage. ManyPets covers virtual vet visits as part of its accident and illness plans without requiring extra add ons. Pet parents can customize their coverage with different reimbursement levels, annual limits, and deductibles to fit their budget and needs.
Another advantage of ManyPets is the extensive online support and transparency in plan details. Policy documents and terms are easy to access and understand, which makes choosing the right coverage simpler for many families. ManyPets also offers a multi pet discount to help households with more than one dog or cat save on premiums.
Here are some recent reviews for ManyPets left by customers.
Pros:
- Clear accident and illness coverage with reimbursement for exam fees
- Behavioral therapy and hereditary condition coverage
- Virtual vet visits included
- Multi pet discount available
Cons:
- Wellness coverage requires optional add on
- No coverage for exotic pets
- Some exclusions based on age or pre existing conditions
The Final Verdict:
ManyPets Pet Insurance is a strong choice for pet parents who want comprehensive accident and illness coverage with transparent terms and easy claims handling. With customizable plans, coverage for behavioral and hereditary conditions, and the ability to include virtual vet visits, ManyPets provides thoughtful protection that can be tailored to your pet’s needs and your budget.
To learn more, visit their website.
ASPCA
ASPCA has an overall rating of 4.5 out of 5 from our users. Their Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Pet parents also have the option of adding on additional preventative care coverage.
Not only do their plans cover the typical issues like surgery, hospitalizations and emergency vet care, they also cover cancer treatments, holistic/alternative care, and behavioral therapy. And they are one of the few that will even cover the costs of stem cell treatment. They also offer additional coverage for preventative care.
ASPCA is also great when it comes to pre-existing conditions. Once a pet heals and no longer displays symptoms for 180 days, coverage may be offered. They also have no upper age limit for enrollment.
ASPCA’s Complete Coverage and Accident Only policies have annual deductibles and annual coverage limits. Those limits will reset at the beginning of the new policy year.
If you are the parent of horses, along with cats and dogs, you’ll be happy to hear ASPCA sells insurance for horses as well. That’s unique to the companies on this list.
A bit of a negative is that claims processing time is on the high end with this provider, up to 30 days.
Here is what some users had to say about ASPCA.
Pros:
- Provides illness/injury coverage (including holistic/alternative therapies)
- Horses can also be covered
- Offers options for preventative care
Cons:
- Claims may take up to 30 days
The Final Verdict:
ASPCA Pet Health Insurance offers comprehensive coverage for illnesses and injuries, including holistic/alternative therapies. They also offer policies for horses.
For more information, visit their website.
Hartville
Hartville has been given an overall score of 4.5 out of 5 by our users. This provider offers coverage for dogs and cats ages eight weeks and up in all 50 states, as well as the District of Columbia. They also offer two main policies: an accident-only policy and an accident and illness policy.
Their accident and illness plan is comprehensive and covers costs associated with accidents and illness, even hereditary issues. The great thing about this plan is that it also covers costs associated with behavioral issues, alternative treatments like acupuncture, and even chemotherapy. Often pet parents need to purchase an additional plan for these expenses.
For those who are on a tight budget and looking for a way to save, the accident-only plan is the way to go. This plan covers things like broken bones, ingesting something toxic or obstructive and more. And the best part is, should your finances change, you can always add more comprehensive services at any time.
And for those pet parents looking to cover the typical costs of routine check-ups and wellness care, Hartville also has two optional preventative-care packages.
Here are some user reviews about Hartville.
Pros:
- Affordable plans
- Comprehensive coverage
- Unrestricted vet selection
- Out of state coverage
- Multi-pet discount
Cons:
- No exotic Pets
- Coverage doesn’t start until the 15th day after the policy’s effective date.
The Final Verdict:
Hartville is offered to pet parents in all 50 states. Their comprehensive accident and illness policy is one of the best on this list and covers costs for things like behavioral issues, alternative treatments, and even chemotherapy. They also offer a more affordable accident-only policy, as well as preventative packages.
You can find out more about Hartville from their website.
AKC
In our next spot is AKC Pet Insurance with an overall score of 4.4 out of 5 from our customers. AKC Pet Insurance is backed by a well known name in the dog world and is praised for its strong accident and illness coverage as well as options for routine care. Many dog owners choose AKC because it combines reputable heritage with solid protection and service.
AKC offers comprehensive plans that cover vet expenses related to injuries, illnesses, diagnostics, surgeries, hospital stays, and prescription medications. Coverage includes hereditary and congenital conditions for many breeds, which is especially valuable for purebred dogs that may be prone to certain issues. AKC also provides the option to add wellness coverage to help reimburse routine care costs such as annual exams, vaccinations, dental cleanings, parasite prevention, and preventive tests. This gives pet parents the ability to build a broader coverage plan that includes both unexpected care and everyday health needs.
Here are some recent reviews for AKC Pet Insurance left by customers.
Pros:
- Strong accident and illness coverage
- Optional wellness plan available
- Coverage for hereditary and congenital conditions
- Customizable reimbursement and deductible options
Cons:
- Wellness coverage costs extra
- Premiums can be higher for older pets
- Pre existing conditions are not covered
The Final Verdict:
AKC Pet Insurance is a top choice for pet parents who want comprehensive protection backed by a trusted name. With robust accident and illness coverage, optional wellness benefits, and customization options, AKC gives pet parents flexibility and confidence in caring for their dogs and cats.
For more information, visit their website.
Pet Partners
Founded in 2002 and with an overall rating of 4.4 out of 5 stars, Pet Partners was one of the first pet insurance companies in the country! They have been offering customizable plans in all 50 states since that time. Customizable plans allow pet parents to choose the right premiums, deductibles and reimbursement options.
There are a couple of things that make this provider stand out. To start, while they have been in business in the US since 2002, the company was involved in pet insurance in the UK since the 1980s. You could say they have learned exactly what pet parents want and need in coverage.
An accident and illness plan can cost pet parents as little as $10 a month. Keep in mind, as with other pet insurance providers, premiums are based on a variety of factors, including the pet’s age, breed, and zip code.
Here are what some users had to say about Pet Partners.
Pros:
- Customizable policies
- Low base premiums (some of the lowest in this group)
- Multi-pet discount
- Extensive experience in the pet insurance industry
Cons:
- No wellness plans
- Limited options for older pets (PetPartners removes some coverage options for new enrollments starting at age five and limits plans entirely for pets aged nine and up.)
The Final Verdict:
Pet Partners has been around a long time, and the fact they are the official insurer of the AKC and the Cat Fancier’s Association says a lot. Rates are low and plans are customizable, which means you can find something that will fit your specific budget.
Find out more about Pet Partners.
Figo
And finally, rounding out our list is Figo Pet Insurance with an overall score of 4.1 out of 5 from our customers. Figo is widely praised for its modern approach to pet insurance, easy digital experience, and fast, straightforward claims process that many pet parents find refreshing and reliable.
Figo offers comprehensive accident and illness coverage that helps with veterinary expenses related to injuries, illnesses, diagnostics, surgeries, hospital stays, and prescription medications. Coverage includes hereditary and congenital conditions when applicable, and exam fees for covered accidents and illnesses are reimbursed as part of the core plan.
Figo also includes coverage for behavioral therapy when it is recommended by a veterinarian. Figo policies come with no lifetime limits, which means eligible conditions can continue to be reimbursed year after year as long as the pet remains covered and the condition stays eligible under the policy terms.
Routine wellness care is not included by default, but optional wellness coverage can be added to help refund the cost of annual checkups, vaccinations, dental cleanings, preventive tests, and parasite prevention. Figo also offers a 24 hour veterinary support line that pet parents can use any time they have concerns or need guidance.
Here are some recent reviews for Figo left by customers.
Pros:
- Comprehensive accident and illness coverage with no lifetime limits
- Reimbursement for exam fees and behavioral therapy
- Optional wellness coverage available
- 24 hour veterinary support line
- Multi pet discount offered
Cons:
- Wellness coverage requires an additional plan
- Pre existing conditions are not covered
- No coverage for exotic pets
The Final Verdict:
Figo Pet Insurance is a great option for pet parents looking for flexible, modern coverage with no lifetime limits and strong support features. With robust accident and illness protection, optional wellness benefits, and easy digital management, Figo provides comprehensive and user friendly protection for dogs and cats.
To learn more, please visit their website.
Final Thoughts
We would like to take this opportunity to thank all of our users who have left thoughtful reviews on our website. By taking the time to provide this feedback, we are able to consistently rank the best pet insurance companies and help other pet parents choose the very best policies for them and their fur babies. This means pets are able to get the care they need when they need it, and pet parents have the financial support they need in a crisis.
As an added bonus, these reviews also help us generate revenues from the insurers, allowing us to donate a portion of earnings to charity!
