Best Pet Insurance for Cat

Why Our Users Picked It:

Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.

Pros & Cons:

• Easy to submit claims
• Fast payments
• Great customer service
• Diminishing deductible of $50 for every year a claim is not filed
• Limited range of options for annual coverage and deductibles
• Limited coverage for alternative treatments

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.

Why Our Users Picked It:

Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.

Pros & Cons:

• Easy claim submission process
• Quick reimbursement times (in as less as 48 hours in some instances)
• Great communication
• No annual converge limit on claim payouts
• Compassionate customer service reps
• No wellness or routine care coverage
• No enrollment allowed for pets over the age of 6
• No coverage for vet exam fees for accidents or illnesses

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.

Why Our Users Picked It:

Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.

Pros & Cons:

• Excellent customer service
• Easy and straightforward claims submission
• Reliable coverage and timely payments
• Comprehensive coverage of many health issues and medical procedures
• Higher monthly premiums than some others
• Does not cover vet exam fees
• 12-Day waiting period before coverage takes effect

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

Why Our Users Picked It:

Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.

Pros & Cons:

• High reimbursement rates
• Easy claim submission process
• Includes coverage for boarding and kennel fees of up to $1,000
• Flexibility in coverage options
• No wellness plan coverage
• 6-month waiting period for pre-existing cruciate ligament issues and hip dysplasia
• Difficulty in changing coverage
• Misleading policy exclusions

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.

Why Our Users Picked It:

Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.

Pros & Cons:

• Some of the most affordable premiums out there
• Comprehensive coverage
• Great customer service
• Easy claims process and quick payment times
• No coverage for alternative therapies
• 6-month waiting period for coverage of cruciate ligaments
• Exam fees not covered in base policies

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.

Why Our Users Picked It:

Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.

Pros & Cons:

• Simple claim process
• Quick payment in as little as 24 - 48 hours
• Comprehensive coverage
• High reimbursement rates
• Coverage for dental cleanings
• 12-month waiting period for coverage of cruciate ligaments or meniscus (knee) injuries
• Lack of flexibility in choosing premiums and deductibles

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.

Why Our Users Picked It:

Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.

Pros & Cons:

• Simple claim submission
• Helpful and speedy customer service
• Quick payments with direct deposit as an option
• Only 5-day waiting period for accident coverage
• Optional wellness plan available
• Higher premiums than many other companies
• No mobile app available as of writing

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.

Why Our Users Picked It:

Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.

Pros & Cons:

• Flexible coverage options
• Annual coverage limits range from $2,500 to unlimited (great option for senior pets)
• Optional wellness plan
• Doesn’t cover alternative care
• Potential premium increases
• Longer times to reimbursements

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.

Why Our Users Picked It:

Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.

Pros & Cons:

• Simple and fast claim process
• Awesome customer service
• Fast payments
• Transparent quote process
• Optional wellness plan available
• Limited coverage (compared to others)
• 14-Day waiting period for accident coverage (some providers only require 1-2 days)

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.

Why Our Users Picked It:

Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

Pros & Cons:

• Lower premiums than many pet insurance companies and for unlimited annual coverage as well
• Kind and knowledgeable customer service reps
• Optional wellness plan
• Coverage for vet exam fees
• No coverage for alternative therapies
• Not available in all 50 states

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.

Why Our Users Picked It:

Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.

Pros & Cons:

• Exceptional and caring customer service
• Reliable and hassle-free coverage
• Comprehensive coverage options
• Covers vet exam fees
• Up to 90% reimbursement rates
• No accident-only plan available
• 14-day accident waiting period (some providers only require 1 - 2 days for this coverage)

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.

Why Our Users Picked It:

Users appreciate that the ASPCA Pet Health Insurance program offers up to 90% reimbursement of covered conditions for services relating to emergency visits, chronic conditions, alternative therapies and even things you may not think about like prescription medications. For an additional price per month, one of two optional Preventive Care plans can be selected to reimburse on things that help keep your pet healthy. Many users have also highlighted the positive experience of working with the helpful and responsive customer services representatives.

Pros & Cons:

• Simple and streamlined claims process
• Awesome customer service
• Extensive coverage of many conditions and treatment options
• Some of the most affordable premiums in the space
• No special waiting periods for cruciate ligament issues or other specific conditions

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.

Why Our Users Picked It:

Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.

Pros & Cons:

• Exceptional and friendly customer service
• Fast payments
• Customizable policies
• Lower premiums than some
• Limited options for older pets
• Exam fees are additional cost
• Hip dysplasia and congenital and hereditary conditions only available when pets are enrolled at 2 years of age or younger

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.

Why Our Users Picked It:

Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.

Pros & Cons:

• Great customer service (easy to get a human on the phone)
• Simple claim submission process
• Quick payments
• Unlimited annual coverage available
• No dental coverage
• Additional coverage required for hereditary and congenital conditions
• Pets with certain medical histories are only offered accident coverage

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.

Why Our Users Picked It:

Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.

Pros & Cons:

• Simple and streamlined claims submission process
• Transparent communication
• Affordable premiums
• Great customer service that has been called “courteous and responsive” by users.
• Varying deductible options to choose from
• Wellness coverage available
• 6-month waiting period for coverage of cruciate ligament issues
• No coverage for alternative treatments

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.

Why Our Users Picked It:

Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

Pros & Cons:

• Only 1-day waiting period for accident coverage
• Wellness coverage available
• Simple claims process
• Up to 100% reimbursement available
• Extra costs for vet exams
• 6-month waiting period for orthopedic problems (in some cases can be waived if your vet signs a waiver)
• Does not offer an accident-only plan

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.

Why Our Users Picked It:

Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.

Pros & Cons:

• Lower pricing than many providers in the market
• A wide range of coverage options
• Friendly and knowledgeable customer service reps
• Easy and fast claim process
• 6-month waiting period for cruciate ligament issues and intervertebral disc disease

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!