Best Pet Insurance for Cat

Embrace

4.94

17,140

$100 – $1,000 annually

At least 6 weeks old to enroll

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Cost per month

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Deductible

Annual deductible options from $100 – $1,000.

Age Limit

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury $10,000 limit
Hospitalization $10,000 limit
Rehabilitation $10,000 limit
Continual Care $10,000 limit
Emergency Visits $10,000 limit
Surgery $10,000 limit
Dental Trauma $10,000 limit
Foreign Object Ingestion $10,000 limit
Congenital or Hereditary Conditions $10,000 limit
Cancer Treatments $10,000 limit
Dietary Supplements As part of our wellness plan - $250 limit
End of Life: Burial and Cremation $250 limit
Illness $10,000 limit
Specialists $10,000 limit
Prosthetics $10,000 limit
End of Life: Euthanasia $10,000 limit
Prescription Drugs $10,000 limit
Outpatient Care $10,000 limit
Bilateral Conditions $10,000 limit - There is a bilateral exclusion on pre-existings. If one side is pre-existing, then so is the other side.
Travel Coverage $10,000 limit - Accidents and Illnesses while travelling abroad would be covered. Travel related expenses and travel interruption are not.
Vet Exam Fees $10,000 limit
Medical Imaging $10,000 limit
Organ Transplants $10,000 limit
Wellness Cover $250, $450, and $650
Lab Tests $10,000 limit
Behavioral Treatments $10,000 limit - Must be performed by a licensed vet

Plan Summary

Embrace Pet Insurance is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan and every policy comes standard with the industry’s only diminishing deductible feature, the Healthy Pet Deductible. Embrace also offers Wellness Rewards, an optional preventative care product that is unique to the market. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace continues to innovate and improve the pet insurance experience for pet parents across the country with personalized plans, dependable claims payments, and the MyEmbrace online customer portal.

Healthy Paws

4.93

10,008

$250, $500 or $750 annually

At least 8 weeks old to enroll

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Cost per month

$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.

Coverage

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Deductible

You can choose an annual deductible of $100, $250, $500 or $750* *Choice depends on age of the pet

Age Limit

Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Unlimited
Hospitalization Unlimited
Rehabilitation Unlimited
Continual Care Unlimited
Emergency Visits Unlimited
Surgery Unlimited
Dental Trauma Unlimited
Foreign Object Ingestion Unlimited
Congenital or Hereditary Conditions Unlimited
Cancer Treatments Unlimited
Dietary Supplements Unlimited
End of Life: Burial and Cremation
Illness Unlimited
Specialists Unlimited
Prosthetics Unlimited
End of Life: Euthanasia Unlimited
Prescription Drugs Unlimited
Outpatient Care Unlimited
Bilateral Conditions Unlimited
Travel Coverage Unlimited - Travel is included while traveling in the US or Canada
Vet Exam Fees
Medical Imaging Unlimited
Organ Transplants
Wellness Cover
Lab Tests Unlimited
Behavioral Treatments

Plan Summary

Healthy Paws has one simple plan that covers accidents and illnesses with no maximum limits on payouts; no per incident payout caps, no annual payout caps and no lifetime payout caps. Their goal is to offer the best coverage possible while still keeping plans affordable. Healthy paws was rated the best pet insurance company by customers in 2015, 2016, 2017 and 2018 at Petinsurancereview.com, Consumersadvocate.org, Petinsurancequotes.com and other leading review sites. The simple act of getting a free pet insurance quote from Healthy Paws results in a cash donation towards a homeless pet’s medical care. They deliver that care by making cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments. If you are unable to pay your vet at the time of treatment you can contact Healthy Paws and ask them to pay your vet directly. If your vet or vet hospital is willing to accept payment from Healthy Paws they will work with your vet to speed up Healthy Paws getting access to your pet’s medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any particular network of vets.

Trupanion

4.92

73,550

$0 to $1,000 per condition

Can enroll pets from birth

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Cost per month

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limit

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Per Condition
Direct Pay

What is Covered?

Accident and Injury Unlimited
Hospitalization Unlimited
Rehabilitation Unlimited with Recovery & Care Rider
Continual Care Unlimited
Emergency Visits Unlimited
Surgery Unlimited
Dental Trauma Unlimited
Foreign Object Ingestion Unlimited
Congenital or Hereditary Conditions Unlimited
Cancer Treatments Unlimited
Dietary Supplements Unlimited
End of Life: Burial and Cremation
Illness Unlimited
Specialists Unlimited
Prosthetics Unlimited
End of Life: Euthanasia
Prescription Drugs Unlimited
Outpatient Care Unlimited
Bilateral Conditions Unlimited
Travel Coverage
Vet Exam Fees
Medical Imaging Unlimited
Organ Transplants Unlimited
Wellness Cover
Lab Tests Unlimited
Behavioral Treatments

Plan Summary

With Trupanion, you not only get incredibly comprehensive coverage but you also get peace of mind 24/7/365 with Trupanions customer support and preapprovals, because they know that accidents don’t happen at the most convenient of times. You can choose your deductible from $0-$1000, in $5 increments and for some plans there are no deductibles at all! Trupanion is always thinking ahead, setting the industry standard, working to make pet insurance as easy and seamless as possible for vets and pet owners. A couple examples of this are they offer no deductibles, and are able to pay the vet directly, within seconds, at time of checkout- eliminating the reimbursement process, so you’ll get full coverage without having to pay the full amount at every vet visit. They won’t ever tell you that you’ve submitted too many claims or you’ve reached your payout limit, because they offer unlimited payouts on all eligible claims. Terms and conditions apply. See your states policy at Trupanion.com for full coverage details

Fetch

4.91

18,308

$250, $300 or $500 annually

At least 6 weeks old to enroll

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Cost per month

Plans average $35/month for dogs and $25 /month for cats

Coverage

You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Deductible

$250, $300 and $500

Age Limit

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Plan Limits

Per Condition Limit If your pet has a pre-existing condition—but it doesn’t reoccur or need treatment for 365 days—the condition will be covered going forward.
Lifetime Limit No annual policy limit means that there is no limit to the amount of money that you could be paid in a given year on all of your unexpected vet bills. Fetch pet insurance will continue paying you back.
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.
Rehabilitation Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.
Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.
Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
Dental Trauma We cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
Foreign Object Ingestion Yes
Congenital or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.
Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
Dietary Supplements Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.
Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.
End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.
Prescription Drugs Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
Outpatient Care Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
Bilateral Conditions Yes, but the only bilateral exclusion we have on our policies is on the knees.
Travel Coverage We don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.
Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.
Wellness Cover Fetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

Plan Summary

Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

Lemonade

4.9

805

$100, $250 or $500 annually

At least 8 weeks old to enroll

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Cost per month

Policies start at $10/Month

Coverage

Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, 80%, or 90% after the deductible.

Deductible

$100, $250 or $500 annually.

Age Limit

Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage for pets as they age.

Plan Limits

Per Condition Limit Our wellness package has limits on preventative care, but we don’t have per condition limits.
Lifetime Limit None.
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury
Hospitalization
Rehabilitation Yes with the Extended Accident and Illness package
Continual Care
Emergency Visits
Surgery
Dental Trauma Yes if caused by an accident
Foreign Object Ingestion
Congenital or Hereditary Conditions
Cancer Treatments
Dietary Supplements Not at this time
End of Life: Burial and Cremation Not at this time
Illness
Specialists Yes - depending on the condition
Prosthetics Not at this time
End of Life: Euthanasia
Prescription Drugs
Outpatient Care
Bilateral Conditions Yes - unless it is considered a pre-existing condition
Travel Coverage Not at this time
Vet Exam Fees Yes with the Extended Accident and Illness package
Medical Imaging
Organ Transplants Not at this time
Wellness Cover Yes with the Preventative and Wellness package
Lab Tests
Behavioral Treatments Not at this time

Plan Summary

Lemonade Pet Insurance is a relatively new company, but it has quickly become one of the most popular pet insurance providers in the United States. The company has been praised for its user-friendly website and app, its affordable premiums, and its quick and easy claims process. They offer Accident and illness coverage, Wellness coverage, Dental coverage, Prescription drug coverage, and Behavioral health coverage.

Nationwide

4.8

21,407

$0 to $1,000 annually

No age restriction to enroll

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Cost per month

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limit

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Unlimited
Hospitalization Unlimited
Rehabilitation Unlimited
Continual Care Unlimited
Emergency Visits Unlimited
Surgery Unlimited
Dental Trauma Unlimited
Foreign Object Ingestion Unlimited
Congenital or Hereditary Conditions Unlimited
Cancer Treatments Unlimited
Dietary Supplements Unlimited - if prescribed by veterinarian to treat a condition
End of Life: Burial and Cremation Unlimited
Illness Unlimited
Specialists Unlimited
Prosthetics Unlimited - if prescribed by veterinarian to treat a condition
End of Life: Euthanasia Unlimited
Prescription Drugs Unlimited
Outpatient Care Unlimited
Bilateral Conditions Unlimited - conditions affecting both sides of the body
Travel Coverage Unlimited - medical coverage only while travelling away from home. Cancellation of trip due to pet's illness is not covered
Vet Exam Fees Unlimited
Medical Imaging Unlimited
Organ Transplants Unlimited
Wellness Cover Unlimited
Lab Tests Unlimited
Behavioral Treatments Unlimited - if prescribed by veterinarian to treat a condition

Plan Summary

Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

Prudent Pet

4.8

125

$100, $250 or $500 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.

Coverage

We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement.

Deductible

Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.

Age Limit

We have no age limits, but your pet will need to be at least 8 weeks old to enroll.

Plan Limits

Per Condition Limit
Lifetime Limit
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury $2,500 - Unlimited
Hospitalization $2,500 - Unlimited
Rehabilitation $2,500 - Unlimited
Continual Care $2,500 - Unlimited
Emergency Visits $2,500 - Unlimited
Surgery $2,500 - Unlimited
Dental Trauma $2,500 - Unlimited
Foreign Object Ingestion $2,500 - Unlimited
Congenital or Hereditary Conditions
Cancer Treatments $2,500 - Unlimited
Dietary Supplements $2,500 - Unlimited
End of Life: Burial and Cremation $2,500 - Unlimited
Illness
Specialists $2,500 - Unlimited
Prosthetics
End of Life: Euthanasia $2,500 - Unlimited
Prescription Drugs $2,500 - Unlimited
Outpatient Care $2,500 - Unlimited
Bilateral Conditions $2,500 - Unlimited
Travel Coverage $2,500 - Unlimited
Vet Exam Fees $2,500 - Unlimited
Medical Imaging $2,500 - Unlimited
Organ Transplants $2,500 - Unlimited
Wellness Cover $2,500 - Unlimited
Lab Tests $2,500 - Unlimited
Behavioral Treatments $2,000

Plan Summary

Prudent Pet works with any vet in the U.S. and is dedicated to providing pet owners with insurance that is simple, and easy to understand . We cover both accident and illnesses and have a preventive/wellness plan that can be added on to any policy at an additional cost. Filing claims is simple and can be done with a photo through our online portal.

Hartville

4.7

165

$100, $250 or $500 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

$100, $250 or $500 annually.

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Hospitalization Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Emergency Visits Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Congenital or Hereditary Conditions
Cancer Treatments Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
Dietary Supplements Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Illness Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Prosthetics
End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Bilateral Conditions If any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.
Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
Vet Exam Fees Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Organ Transplants
Wellness Cover Optional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services
Lab Tests "Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses
Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Plan Summary

Hartville Pet Insurance, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.

Spot

4.6

7,024

$100, $250, $500, $750 or $1000 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

$100, $250, $500, $750 or $1000 annually.

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Covered up to the selected annual limit ($2,500-Unlimited)
Hospitalization Covered up to the selected annual limit ($2,500-Unlimited)
Rehabilitation Covered up to the selected annual limit ($2,500-Unlimited)
Continual Care Covered up to the selected annual limit ($2,500-Unlimited)
Emergency Visits Covered up to the selected annual limit ($2,500-Unlimited)
Surgery Covered up to the selected annual limit ($2,500-Unlimited)
Dental Trauma Covered up to the selected annual limit ($2,500-Unlimited)
Foreign Object Ingestion Covered up to the selected annual limit ($2,500-Unlimited)
Congenital or Hereditary Conditions Covered up to the selected annual limit ($2,500-Unlimited)
Cancer Treatments Covered up to the selected annual limit ($2,500-Unlimited)
Dietary Supplements Covered up to the selected annual limit ($2,500-Unlimited)
End of Life: Burial and Cremation Covered up to the selected annual limit ($2,500-Unlimited)
Illness Covered up to the selected annual limit ($2,500-Unlimited)
Specialists Covered up to the selected annual limit ($2,500-Unlimited)
Prosthetics Covered up to the selected annual limit ($2,500-Unlimited)
End of Life: Euthanasia Covered up to the selected annual limit ($2,500-Unlimited)
Prescription Drugs Covered up to the selected annual limit ($2,500-Unlimited)
Outpatient Care Covered up to the selected annual limit ($2,500-Unlimited)
Bilateral Conditions Covered up to the selected annual limit ($2,500-Unlimited)
Travel Coverage If a pet is traveling within the U.S., it's territories of Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
Vet Exam Fees Covered up to the selected annual limit ($2,500-Unlimited)
Medical Imaging Covered up to the selected annual limit ($2,500-Unlimited)
Organ Transplants Covered up to the selected annual limit ($2,500-Unlimited)
Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
Lab Tests Covered up to the selected annual limit ($2,500-Unlimited)
Behavioral Treatments Covered up to the selected annual limit ($2,500-Unlimited)

Plan Summary

Spot Pet Insurance is the only pet insurance recommended by Cesar Millan. They are committed to educating pet parents about the benefits pet insurance has to offer, making more affordable animal care across the U.S. for pet parents. Their Accident & Illness plan covers accidents, injuries, illnesses, chronic conditions like cancer and more, and features simplified reimbursement based on percentage of submitted claims. Preventive Care is available at an additional cost. There is no network; bring your pet to any licensed vet in the US, emergency or specialty clinic for the attention they deserve.

ManyPets

4.6

2,343

$0, $100, $250, $500, and $750 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

Varies by pet location, age, and breed

Coverage

Pet Accident and Illness coverage and offer a non-insurance wellness product.

Deductible

Deductible options vary by state and pet age. Common deductibles include $0, $100, $250, $500, and $750

Age Limit

Pet must be at least 8 weeks old or younger than 14 to purchase. No age cap on renewals.

Plan Limits

Per Condition Limit
Lifetime Limit
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury
Hospitalization
Rehabilitation
Continual Care
Emergency Visits
Surgery
Dental Trauma
Foreign Object Ingestion
Congenital or Hereditary Conditions As long as they are not pre-existing
Cancer Treatments
Dietary Supplements As long as they are prescribed to treat a covered Text condition
End of Life: Burial and Cremation
Illness
Specialists
Prosthetics
End of Life: Euthanasia
Prescription Drugs
Outpatient Care
Bilateral Conditions As long as they are not pre-existing
Travel Coverage
Vet Exam Fees
Medical Imaging
Organ Transplants
Wellness Cover Separate plan that must be purchased
Lab Tests
Behavioral Treatments Excluded

Plan Summary

Many Pets is a pet insurance company that offers policies that cover a wide range of veterinary expenses including accidents, illnesses, and preventive care. They offer a clear and concise explanation of their policies, and they make it easy to compare different plans. They also have a team of experienced customer service representatives who are available to answer any questions you may have.

Pumpkin

4.6

1,473

$100, $250, $500 or $1000 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage

Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

Deductible

3 options: $100, $250, $500 and $1000

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Plan Limits

Per Condition Limit None
Lifetime Limit None
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Included
Hospitalization Included
Rehabilitation Included
Continual Care Included
Emergency Visits Included
Surgery Included
Dental Trauma Included
Foreign Object Ingestion Included
Congenital or Hereditary Conditions Included
Cancer Treatments Included
Dietary Supplements Included
End of Life: Burial and Cremation Included
Illness Included
Specialists Included
Prosthetics Included
End of Life: Euthanasia Included
Prescription Drugs Included
Outpatient Care Included
Bilateral Conditions Covered up to the annual limit
Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
Vet Exam Fees Sick exam fees covered, plus one annual wellness exam with optional preventive care plan
Medical Imaging Included
Organ Transplants Included
Wellness Cover Covered by optional preventive care plan
Lab Tests Included
Behavioral Treatments Included

Plan Summary

Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Their best-in-class plan offers many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, and dental illness coverage, plus the same coverage as your pet ages. About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.

ASPCA

4.5

11,756

$100, $250 or $500 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

$100, $250 or $500 annually.

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Hospitalization Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
Rehabilitation Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
Continual Care Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Emergency Visits Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Surgery Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Congenital or Hereditary Conditions
Cancer Treatments Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
Dietary Supplements Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
End of Life: Burial and Cremation Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Illness Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Prosthetics
End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Bilateral Conditions If any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.
Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
Vet Exam Fees Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
Organ Transplants
Wellness Cover Optional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services
Lab Tests "Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses
Behavioral Treatments Coverage offered with purchase of Complete Coverage plan only

Plan Summary

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937). The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.

PetPartners

4.5

113

$100 – $1,000 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

$5 – $90 depending on coverage options chosen.

Coverage

You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.

Deductible

Choose from $100 – $1,000 annual deductible.

Age Limit

Pets must be at least 8 weeks old to enroll with no upper age limit Coverage options available for senior pets.

Plan Limits

Per Condition Limit
Lifetime Limit
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury
Hospitalization
Rehabilitation
Continual Care
Emergency Visits
Surgery
Dental Trauma
Foreign Object Ingestion
Congenital or Hereditary Conditions
Cancer Treatments
Dietary Supplements
End of Life: Burial and Cremation
Illness
Specialists
Prosthetics
End of Life: Euthanasia
Prescription Drugs
Outpatient Care
Bilateral Conditions
Travel Coverage
Vet Exam Fees
Medical Imaging
Organ Transplants
Wellness Cover
Lab Tests
Behavioral Treatments

Plan Summary

Pet Partners offers three levels of pet insurance: Basic, Advanced, and Ultimate. Each level offers different levels of coverage and reimbursement rates. Pet Partners pet insurance is available to all pets, regardless of age, breed, or health history. To enroll, your pet must be spayed or neutered and up-to-date on all vaccinations.

AKC

4.4

891

$100 – $1,000 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

$5 – $90 depending on coverage options chosen.

Coverage

You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.

Deductible

Choose from $100 – $1,000 annual deductible.

Age Limit

Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.

Plan Limits

Per Condition Limit
Lifetime Limit
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury
Hospitalization
Rehabilitation
Continual Care
Emergency Visits
Surgery
Dental Trauma
Foreign Object Ingestion
Congenital or Hereditary Conditions
Cancer Treatments
Dietary Supplements
End of Life: Burial and Cremation
Illness
Specialists
Prosthetics
End of Life: Euthanasia
Prescription Drugs
Outpatient Care
Bilateral Conditions
Travel Coverage
Vet Exam Fees
Medical Imaging
Organ Transplants
Wellness Cover
Lab Tests
Behavioral Treatments

Plan Summary

AKC Pet Insurance is a good option for pet owners who are looking for comprehensive coverage at a competitive price. The company offers a wide range of plans to fit different needs, and its claims process is easy to use. AKC Pet Insurance covers a wide range of medical expenses, including accidents, illnesses, and routine care. The company also has a good reputation for excellent customer service.

Pets Best

4.3

12,229

$50 – $1,000 annually

At least 7 weeks old to enroll

Request a quote

Cost per month

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill.

Deductible

$50 – $1,000 annually.

Age Limit

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Plan Limits

Per Condition Limit Unlimited
Lifetime Limit Unlimited
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Up to limit selected ($5,000- unlimited)
Hospitalization
Rehabilitation
Continual Care Up to limit selected
Emergency Visits Up to limit selected ($5,000- unlimited)
Surgery Up to limit selected
Dental Trauma Up to limit selected
Foreign Object Ingestion Up to limit selected
Congenital or Hereditary Conditions Up to limit selected
Cancer Treatments Up to limit selected
Dietary Supplements
End of Life: Burial and Cremation
Illness Up to limit selected
Specialists Up to limit selected
Prosthetics Up to limit selected
End of Life: Euthanasia Up to limit selected
Prescription Drugs Up to limit selected
Outpatient Care Up to limit selected
Bilateral Conditions If pre-existing, not covered
Travel Coverage Canada, Puerto Rico, and US Territories
Vet Exam Fees
Medical Imaging Up to limit selected
Organ Transplants
Wellness Cover Up to limit selected if optional additional coverage plan available
Lab Tests Up to limit selected
Behavioral Treatments Exam and Rx only

Plan Summary

Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.

Figo

4.2

2,602

$100, $250, $500, $750, $1,000 or $1,500 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

$9 to $135 on average depending on chosen plan.

Coverage

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limit

Must be 8 weeks or older to enroll. No upper age limits apply.

Plan Limits

Per Condition Limit None
Lifetime Limit None
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury Unlimited
Hospitalization Unlimited
Rehabilitation Unlimited
Continual Care Unlimited
Emergency Visits Unlimited
Surgery Unlimited
Dental Trauma Unlimited
Foreign Object Ingestion UnlimitedUnlimited - Only if the pet did not require decontamination 2 or more times within the 18 months prior to the policy effective date or within the waiting periods
Congenital or Hereditary Conditions Unlimited
Cancer Treatments Unlimited
Dietary Supplements Unlimited - Limited to prescription foods that are used to treat existing bladder stones or crystals.
End of Life: Burial and Cremation Unlimited - If the pet passes during the policy period as a result of illness or injury and meets the coverage requirements.
Illness Unlimited
Specialists Unlimited - *In addition, the examination fee for a specialist can be covered depending on whether the optional exam fee coverage was added.
Prosthetics Unlimited
End of Life: Euthanasia Unlimited - If deemed medically necessary by licensed vet and it is the result of a covered accident or illness.
Prescription Drugs Unlimited
Outpatient Care Unlimited
Bilateral Conditions Unlimited
Travel Coverage $1,000 - If deemed a life threatening condition and vacation was preplanned.
Vet Exam Fees If plan is selected with that option
Medical Imaging Unlimited
Organ Transplants Unlimited - Requires preapproval
Wellness Cover Unlimited
Lab Tests Unlimited
Behavioral Treatments $1,000

Plan Summary

Figo Pet Insurance is committed to making lives easier for pets and their people. Their cloud-based technology enables pet parents to manage the lives of their pets on-the-go through their Pet Cloud. The Pet Cloud app significantly enhances the way Figo engages with pet parents by providing an A.I. claims experience, live veterinary chat, alerts, records management and more to seamlessly manage their policy and make pet parenting a breeze.

MetLife

4

652

$50 to $500 annually

At least 8 weeks old to enroll

Request a quote

Cost per month

The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.

Coverage

Reimbursement for up to 90% of vet costs.

Deductible

Customizable deductibles from $50-$500

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Plan Limits

Per Condition Limit $2,000 - $10,000
Lifetime Limit
Deductible Type Annual
Direct Pay

What is Covered?

Accident and Injury
Hospitalization
Rehabilitation
Continual Care
Emergency Visits
Surgery
Dental Trauma
Foreign Object Ingestion
Congenital or Hereditary Conditions
Cancer Treatments
Dietary Supplements
End of Life: Burial and Cremation
Illness
Specialists
Prosthetics
End of Life: Euthanasia
Prescription Drugs
Outpatient Care
Bilateral Conditions
Travel Coverage
Vet Exam Fees
Medical Imaging
Organ Transplants
Wellness Cover
Lab Tests
Behavioral Treatments

Plan Summary

Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!

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