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Reimbursement Rates
70%, 80%, 90%
Coverage Options
Accidents, illnesses, wellness
Claim Process
Fast, via app
Pricing and Value
Affordable
Customer Support
24/7 app-focused
Reimbursement Rates
50%, 70%, 90%
Coverage Options
Comprehensive, exotic pets
Claim Process
3-7 days
Pricing and Value
Higher, broad coverage
Customer Support
24/7 phone
User Reviews
Transparency Notice
Pet Insured was established to review and compare pet insurance providers, helping pet owners find the best coverage for their furry friends. Our team of dedicated researchers, writers, and editors continually works to provide accurate and up-to-date information. Pet Insured is in partnership with various pet insurance providers, which may be ranked and reviewed on this website. The reviews published on Pet Insured are believed to be accurate as of the date of each article and are written according to our strict reviewing standards that prioritize professional and honest examination, taking into account the coverage options, benefits, and overall value for pet owners. The rankings and reviews we publish may also take into consideration our partnerships and the affiliate commissions we earn for purchases through links on our website. We do not review all pet insurance providers, and information is believed to be accurate as of the date of each article.
10 Best Pet Insurance Plans December 2024
Exceptional pet coverage at the lowest rates. Save big on vet bills effortlessly with fast claims and comprehensive care!
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Start Saving on Vet Bills – Accident, Illness & Preventive Care -
24/7 Vet Helpline & Exclusive Discounts
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Quick Claims Process – High Reimbursement Rates
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30-Day Money-Back Guarantee – Risk-Free Savings
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Start Saving on Vet Bills – Accident, Illness & Preventive Care
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24/7 Vet Helpline & Exclusive Discounts
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Quick Claims Process – High Reimbursement Rates
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30-Day Money-Back Guarantee – Risk-Free Savings
Pet insurance providers highlighted by:
1
Best Pet Insurance for 2024
STANDARD PLAN COST: $26.31/mo
ANNUAL BENEFIT: $20,000
- Lightning fast claims payment
- Up to 90% reimbursements at low rates
- 24/7 pet helpline with veterinary experts
Get paid in minutes. Award-winning service.
- Lightning fast claims payment
- Up to 90% reimbursements at low rates
- 24/7 pet helpline with veterinary experts
- Instant sign-up with a 4.9-star App Store rating
- Hassle-free digital experience powered by AI
- Comprehensive accident and illness coverage
Outstanding!
2
Unlimited Virtual Pet Care
Nationwide’s coverage for exotic pets and wellness care is trusted by many pet owners. You can cancel anytime, risk-free.
- Pet insurance premiums starting at $25/mo
- Visit any licensed veterinarian in the U.S.
- Cancel at any time, risk-free
Coverage across all licensed vets
- Pet insurance premiums starting at $25/mo
- Visit any licensed veterinarian in the U.S.
- Cancel at any time, risk-free
- Coverage for birds and exotic pets
- Emergency care for accidents
Excellent!
3
Pets Best offers comprehensive coverage and high reimbursements. Trusted by over 750,000 pet owners for its reliable service.
- Coverage for over 750,000+ pets
- Wide Range of Plans & Coverage Options
- High reimbursement rates (70%, 80%, or 90%)
- Coverage for over 750,000+ pets
- Wide Range of Plans & Coverage Options
- High reimbursement rates (70%, 80%, or 90%)
Very Good!
4
Spot Pet Insurance offers comprehensive coverage with up to 90% cash back and quick claim payouts. Trusted by thousands with a 4.7/5 rating and 24/7 pet telehealth support.
- Up to 90% cash back on vet bills
- Visit any vet in the U.S. or Canada
- 10% multi-pet discount
- Up to 90% cash back on vet bills
- Visit any vet in the U.S. or Canada
- 10% multi-pet discount
Very Good!
5
ASPCA Pet Health Insurance offers comprehensive coverage with up to 90% reimbursement. Trusted by pet owners since 2006.
- Coverage for accidents and illnesses
- Comprehensive dental care coverage
- 30-day money-back guarantee
- Coverage for accidents and illnesses
- Comprehensive dental care coverage
- 30-day money-back guarantee
6
Fetch Pet Insurance offers comprehensive coverage with up to 90% reimbursement. Trusted by pet owners and veterinarians.
- Rated ‘Excellent’ on Trustpilot
- Coverage for dental care and alternative therapies
- Rated ‘Excellent’ on Trustpilot
- Coverage for dental care and alternative therapies
Good!
7
Healthy Paws Pet Insurance offers unlimited coverage with no maximum payouts. Rated #1 by pet owners for 7 years
- Most claims processed within 2 days
- No maximum annual or lifetime payouts
- Most claims processed within 2 days
- No maximum annual or lifetime payouts
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Pumpkin’s extensive coverage and exceptional care have earned trust from pet parents nationwide.
- No upper age limits or breed exclusions
- Super extensive accident & illness coverage
- No upper age limits or breed exclusions
- Super extensive accident & illness coverage
9
Fast claims and coverage have earned trust from pet owners.
- Coverage for behavioral issues
- Coverage for behavioral issues
How We Review Pet Insurance Providers
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Reimbursements
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Coverage
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Claim Process
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Pricing
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Support
To determine which pet insurance providers are worth your money, we analyzed key features like reimbursement rates, coverage options, claim processes, pricing, and customer support.
Understanding reimbursement rates is essential when comparing pet insurance options. We assessed how much each provider reimburses for covered vet expenses to ensure you receive the highest value. We also explored a variety of coverage options, including plans that cover accidents, illnesses, hereditary conditions, and preventive care for dogs and cats, ensuring comprehensive protection.
The claim process is another critical factor. We prioritized pet insurance providers with fast, straightforward claim procedures, allowing for online or mobile app submissions with quick reimbursements. Pricing is a key consideration as well, so we compared premiums to find affordable yet comprehensive pet insurance offers. Knowing the cost of pet insurance for multiple pets, pre-existing conditions, and pet health care is crucial in choosing the right pet insurance.
Customer support plays a vital role, especially in emergencies. We evaluated the responsiveness and availability of support teams, including 24/7 helplines, to ensure you receive top-notch assistance when you need it most. By focusing on these elements, we help you find the most recommended pet insurance, offering peace of mind and financial security for your pets’ health and well-being.
Compare Our Top 3 Insurance Companies
Receive payments in minutes with this award-winning service.
Lemonade
Best Pet Insurance for
Fast Claim Process
24/7 Vet Helpline
Reimbursements Rates
70%, 80%, 90%
Nationwide
Best Insurance for
Small Premiums
Reimbursements Rates
50%, 70%, 90%
User Reviews
(Real reviews from verified customers on Trustpilot)
Lemonade
BY FAR…the best pet insurance. Easy to sign up. Affordable and they paid me back the same day I submitted my claim. AMAZING!!! Highly recommend.
Nationwide
I could not be more pleased with Nationwide Pet Insurance. We had a miniature poodle that lived to be almost 17 years old. We had Nationwide insurance for about 9 of those years. Every claim was paid quickly, and we never had any bad surprises with them. Our poodle died two weeks ago after a short-term illness. Nationwide representatives were kind and compassionate, and handled all the final expenses. There was even a death benefit for burial or cremation that I didn't expect. We just received a nice card from Nationwide expressing their condolences. If we ever get another pet, I will definitely use Nationwide.
Pets Best
I recently filed a claim with Pets Best Insurance and was thoroughly impressed. Submitting my claim was a breeze through their user-friendly online portal. I received my reimbursement within just 10 days, and their customer service team was responsive and helpful. Pets Best was upfront about coverage and exclusions, keeping me informed throughout the process with no hidden surprises.
Lemonade
Best user experience, of any company, ever! The app is intuitive, the customer service is extremely helpful, and then they always actually cover what they're supposed to. I never have to fight for what is rightfully mine. I am an entrepreneur and I aspire to have all my products function like Lemonade does.
Nationwide
I cannot believe there’s actually a Pet Insurance company that not only accepts exotic animals, but makes claims easy to file, pays 90% and gets you your money back quickly. Also, in my case, when my pet passed, they did not make it difficult to cancel. Cynthia, who handled my case, was the most empathetic and helpful person I’ve ever spoken to in insurance. Thank you to Nationwide for hiring people who are caring.
Spot Pet
Our claims were processed quickly, and the money was deposited directly and quickly to my bank account. The claims processing has been fair and covered my dog's emergency room visit.
Pets Best
Grateful to Pet's Best! My two kitties were recently sick, one was critically ill and had to go to Veterinary ER. A 2-week illness, between the 2 cats, was $2,400. Pet's Best reimbursed me over $1,885. I had deductibles and 10% coinsurance, but the most comforting thing was knowing I did not have to put one of my animals down due to cost! THANK YOU PET'S BEST!
Lemonade
When we got our new puppy we decided to check out pet insurance. Lemonade seemed the best choice for us. Seven months later, our pup was playing with a couple of bigger dogs and ran into a chain link fence and was cut by a wire which required a quick trip to the emergency vet hospital. We uploaded our vet bill to Lemonade and just a few days later we had our covered payment deposited into our bank account. It was a smooth process and we are very happy. Thank you Lemonade!
Frequently Asked Questions
What is the best pet insurance?
The best pet insurance should provide comprehensive coverage that addresses your pet’s unique needs, including accidents, illnesses, and hereditary conditions. When comparing pet insurance providers, prioritize plans with a high reimbursement rate—ideally between 70% and 90%—to maximize your savings on vet bills. Flexible deductibles are also important, allowing you to customize your premium and out-of-pocket costs. Additionally, choose pet insurance offers that feature a streamlined claims process and 24/7 customer support, ensuring you’re covered in any emergency. For the most comprehensive protection, select a provider with strong customer service and easy claim submission options.
What Does Pet Insurance Cover?
Pet insurance generally covers a wide range of medical expenses, such as accidents, illnesses, and, in some cases, hereditary conditions. For example, Lemonade Pet Insurance provides extensive coverage, including emergency care and specialist treatments, to ensure your pet receives top-notch care. Want to explore more? Check out Lemonade’s comprehensive pet insurance plans here. Additionally, optional add-ons for preventive care, like vaccinations and dental cleanings, are available, helping you maintain your pet’s health with ease.
How does pet insurance work?
Pet insurance helps cover a portion of your pet’s veterinary expenses in exchange for a monthly premium, making it easier to manage unexpected costs. After your pet receives care, you’ll pay the vet bill upfront and then submit a claim to your insurance provider. Companies like Lemonade Pet Insurance offer a seamless and fast reimbursement process, often completed within minutes. Curious about how it works? Try Lemonade’s service here. Depending on the plan you choose, coverage typically includes accidents, illnesses, and preventive care, helping you take better care of your pet while staying within your budget.
Is pet insurance worth it?
Pet insurance is often a smart investment, particularly when unexpected vet bills arise. Emergency treatments and surgeries can be costly, but with the right coverage, you’re financially protected. Many pet owners discover that the savings and peace of mind offered by providers like Lemonade far outweigh the cost of monthly premiums. Curious about the potential benefits? Calculate your potential savings with Lemonade’s pet insurance to see if it’s the best option for you and your pet.
How Much Does Pet Insurance Cost?
The cost of pet insurance can vary based on factors like your pet’s age, breed, and overall health. On average, premiums range between $20 and $60 per month. For those seeking comprehensive coverage at affordable rates, Lemonade Pet Insurance offers flexible plans tailored to fit your budget. Wondering how much it would cost for your pet? Get a quick quote from Lemonade here. Balancing cost with coverage is essential, so opt for a plan that offers sufficient protection without straining your finances.
What is the best pet insurance for dogs?
The best pet insurance for dogs provides comprehensive coverage for accidents, illnesses, and hereditary conditions, along with optional preventive care. If you’re looking for top-tier protection for your dog, consider Lemonade’s customizable plans, which are highly rated by dog owners for their flexibility and user-friendly experience. Ensure your furry friend is well-protected and explore your options today!
What is the Best Pet Insurance for Cats?
When selecting the best pet insurance for cats, it’s important to find comprehensive coverage that includes accidents, illnesses, and routine care. Curious about your options? Lemonade Pet Insurance offers flexible plans tailored to your cat’s unique needs, from kittenhood to their senior years. Get a quote today and discover the ideal plan for your feline companion!
How do I choose the right pet insurance for my pet?
Choosing the right pet insurance is crucial for ensuring your pet’s health and your financial peace of mind. Start by conducting a thorough pet insurance comparison to evaluate the different plans available. Look for comprehensive coverage that includes accidents, illnesses, hereditary conditions, and preventive care options. If you’re searching for pet medical insurance or pet healthcare insurance, make sure the plan covers a wide range of treatments and medical expenses. For those with multiple pets, consider pet insurance for multiple pets that offers discounts or combined plans.
When evaluating pet insurance providers, prioritize those with a high reimbursement rate—typically between 70% and 90%—as this ensures you get the most back on your vet bills. Flexible deductibles are another key factor, allowing you to adjust your premium and out-of-pocket costs to fit your budget. Whether you’re looking for animal health insurance or specific pet life insurance, the best plans offer a balance between affordability and coverage.
It’s also important to consider customer support and claim processes. The most recommended pet insurance providers typically offer a streamlined claims process, allowing you to submit claims online or via a mobile app, and often provide quick reimbursements. If you’re looking for good pet insurance that pays your vet directly, make sure to verify this feature with your provider. Additionally, look for pet insurance offers that include 24/7 customer support, ensuring you can get assistance whenever you need it, especially during emergencies.
Don’t forget to explore specific options, such as pet insurance for cats or pet insurance for dogs, which may offer tailored coverage for different breeds or life stages. For instance, animal pet insurance can be specialized to cover particular health concerns common in certain breeds. Similarly, plans that focus on pet health care insurance are ideal for pets with pre-existing conditions or those needing ongoing care.
For those who prefer convenience, consider getting pet insurance online. Many top-rated providers, like Lemonade, offer quick and easy online quotes, allowing you to compare coverage options and costs instantly. If you’re focused on finding the highest rated pet insurance, check reviews and ratings to see which providers are highly recommended by other pet owners. Choosing the right pet insurance involves balancing cost, coverage, and the specific needs of your pet, so take the time to research and find the most recommended pet insurance for peace of mind and financial protection.