TOP 5 best pet insurance companies of 2024

Written by Gary Jones

Deciding which pet insurance to purchase for your dog or cat can be a challenge. This useful buyer's guide can help you make the best decision for your family pet and your budget.

At PetInsuranceFinder.com, we have researched the best Pet Insurance providers and gathered information on why we feel that you should choose each company. We provide information on each of the top pet insurance providers in the country. And now, we want to show you why we recommend these companies for all your pet's health care needs.

This current list will provide you with in-depth details on each provider to help you narrow down your choices and find the right company for your insurance needs. Over the years, we have helped more than 100,000 pet owners choose the best option for their pet care needs. Now it is time for us to help you find the best coverage for your dog, cat, or exotic pet.

Is Pet Insurance Worth the Cost?

Pet insurance policies are a lot like medical insurance policies for humans. To find the best option, you need to take the time to research each provider. That will allow you to find out which company offers the best coverage at the right price for your family's budget.

Many people wonder if pet insurance is truly worth the cost. But when it comes down to it, if you love your pet, you will want the very best for them at all times.

Our Top Picks for Pet Insurance Providers

If you are interested in buying insurance for your pet but don't know which company you should purchase a policy from, here are some more details on the top pet insurance providers to help you narrow down your choices.

Petplan

Petplan Insurance is a top-ranked company that currently has a rating from the BBB of A+. The company started in 2003 and is underwritten by AGCS Marine Insurance Company. It has remained a top-rated pet insurance company since that time.

Coverage 

Petplan offers a thorough coverage plan for dogs and cats that includes all illnesses and accident-related conditions. Their policies have no restrictions on congenital or hereditary conditions. And their coverage pays for additional care that other companies often do not like advanced testing, hospital stays, and all non-routine vet exams. Petplan insurance is also one of the few companies that cover dental injuries as well as periodontal disease. For dental coverage to apply, your pet must have their annual checkup.

Benefit Limits 

Petplan offers unlimited coverage the same as Healthy Paws insurance. Pet owners can choose from the different annual benefit limits to find the one that fits their budget. It allows you to have more flexibility in selecting a benefit limit that works best for the health needs of your pet.

Deductibles 

Petplan has deductibles set to a per condition basis. That means you must meet a deductible whenever your pet receives treatment. The company offers a deductible schedule that is flexible so you can choose between the amounts of $250 and $1000.

Reimbursement

The reimbursements for Petplan users are based on the actual vet bill you receive. Once your pet has met their deductible for care, the company will provide a payment based on the rate chosen when you enrolled.

Claims & Services 

The period for reimbursement claims is stated to be 30 days. However, this processing time may not take as long if you use the convenient mobile app to submit your pet's claim.

Premiums 

The monthly premiums for Petplan are considered to be very competitive. Like most companies, the costs are different for dogs and cats. Pet owners can receive special discounts for their premiums if they register online, if they have medical service pets, or if they are military personnel.   

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Embrace

Embrace Pet Insurance may not offer the most affordable policies, but the company does provide a broad range of choices and flexibility that make up for the additional cost. They currently have an A+ rating from the BBB, and customers appreciate the fact that this company offers tailored benefits to meet their needs. Embrace was founded in 2006.

Coverage 

Embrace offers standard pet insurance plans that cover your general accidents, injuries, and illnesses. They also provide alternative treatment options, including behavioral therapy and coverage for prosthetics. All policies include coverage for prescription drugs and wellness plans.

Benefit Limits 

While Embrace does not offer unlimited insurance benefits, they do offer various annual benefit limits that range from $5000 up to $30,000. It allows policy owners to have more room to customize their plans and choose a lower premium. t

Deductibles 

There are several deductible options available from this company that range from as low as $200 to as high as $1000. That provides customers with more flexibility when determining what coverage options fit their family's budget plan. Pet owners are also able to save more by enrolling in the company's Healthy Pet Deductible Program. It helps to decrease the deductible by as much as $50 per year. t

Reimbursement

Reimbursement options offered through Embrace pet insurance range from 70% to 90%.

Claims & Services 

Embrace is one of the top-rated pet insurance companies in terms of their customer service and support. You may download claim forms from the company's website, and once the vet completes their section of the forms, the reimbursement process is sped up. Policy owners may receive their reimbursement by direct deposit to their bank account.

Premiums 

Embrace's premiums are higher than many other pet insurance companies, but they also offer the benefit of a broader range of coverage options. Discounts are available for pets that are spayed or neutered before enrollment. You can also get a discount for enrolling multiple pets, or if you are in the military.

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PetFirst

PetFirst has offered quality pet insurance since 2004. They are preferred by pet owners who have older cats or dogs because the company has no upper age limit. The company has an A+ rating by the BBB, and the American Alternative Insurance Corporation underwrites its policies.

Coverage 

PetFirst offers standard plans. However, it is the only company that does not have a waiting period for pets with hip dysplasia or other common orthopedic issues. Wellness plans are also available for an extra charge.

Benefit Limits 

PetFirst doesn't offer unlimited annual benefits. Policyholders can choose between a $2000 benefit plan or one that is unlimited. Just keep in mind that the unlimited plan will be more expensive than other general plans.

Deductibles 

Pet owners who don't mind paying a higher rate instead of a higher out-of-pocket expense, PetFirst is a good option. They have some of the lowest deductible rates available in the industry. You have the opportunity to choose a deductible that is $50 or one as much as $500 with varying prices in between.

Reimbursement

PetFirst offers standard reimbursement options of 70%, 80%, or 90%.

Claims & Services 

This company offers a standard claims process that is similar to many others in the industry. You pay your bill and then submit the claim form along with invoices and any receipts you have. It can be done by mail or by fax. The company also offers a discount for policyholders annually when they don't file a claim all year. They also will not raise your premium depending on the number of claims that you submit.

Premiums 

PetFirst plans start at $32 per month for dogs and $26 per month for cats. The upper-tier plans are much higher than similar plans offered by their competitors. One benefit is that you can get a $20 discount if you choose to purchase your pet insurance policy online.

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Pets Best

Pet's Best insurance was founded in 2005 and currently has an A+ rating from the BBB. The company offers coverage for dogs and cats. It is one of the best options for overall coverage for your pets. The American Pet Insurance Company underwrites the policies.

Coverage 

All plans offered by Pet's Best includes standard coverage. They take care of accidents, emergency care, illnesses, and all hereditary conditions that are not pre-existing. They also have coverage options for prescriptions, which is something that is not offered by all insurance companies.

Benefit Limits 

Pet's Best does have annual limits on their coverage, and they only offer unlimited benefits with their Elite plan, which is the most expensive. Other plans offered by the company have a $5,000 annual benefit limit.

Deductibles 

Policy owners have the option to customize their deductibles, which range between $50 and $1,000.

Reimbursement

The reimbursement percentages for Pet's Best insurance are standard at 70%, 80%, and 90%. The company determines reimbursements based on the amount billed by your vet, which is different from a pre-determined schedule offered by some companies.

Claims & Services 

Pet's Best offers fast claims processing that many policyholders appreciate. They often pay claims back to customers in less than a week. Customers have the option to speed up their processing by using their online claims option and receiving payment via direct deposit.

Premiums 

The company's lower-tier plans are competitively priced. However, the higher tier Elite program is more expensive than many other policies in the industry.

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Healthy Paws

Healthy Paws is one of the top options for pet insurance because it does not place caps on annual payouts or deductibles. They also have an excellent customer service team. The Chubb Group underwrites Its pet insurance policies. They currently have an A+ rating with the BBB. The company was founded in 2009.

Coverage 

Healthy Paws pet insurance offer coverage for cats and dogs with no caps on their claim payouts. The insurance policies cover illnesses and accidents aside from pre-existing conditions. There are no restrictions on congenital or hereditary health conditions such as cancer with this company. Their policies cover services such as emergency care stay in pet hospitals, surgeries, and hip dysplasia for pets who are under the age of six, as long as the dysplasia is not due to a pre-existing condition. Coverage also takes care of the cost of alternative health treatments such as hydrotherapy, chiropractic services, acupuncture, and physical therapy.

Benefit Limits 

Healthy Paws pet insurance is one of the few companies that offer policies for your pets without any caps or limits. It includes annual, lifetime tor caps per incident. Other insurance providers offer unlimited benefits to users, but only if you purchase a top-tier plan. When you have a Healthy Paws policy, they include unlimited coverage with all standard plans.

Deductibles 

This insurance provider offers a single annual deductible that you can customize to help control the cost of your premium.

Reimbursement

With Healthy Paws, you can choose the amount of payment between 50 and 90% at the time of enrollment. The company will reimburse the policy owner based on the actual bill they receive after they have reached their deductible. Other insurance providers will reimburse you based on a pre-established benefit schedule or base it on what is typical with other providers.

Claims & Services 

Policy owners can conveniently file their claims online or by using the handy Healthy Paws mobile app. The majority of all claims filed through this pet insurance company process in just two business days.

Premiums 

The monthly premiums for pet insurance through Healthy Paws start at the low cost of $20 for dogs and $15 for cats.  

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One of the primary responsibilities of being a pet owner is to keep them safe and healthy. Having a good pet insurance policy can be useful when you need to take your dog or cat for an unexpected visit to the vet. It can help to take the shock out of the surprising total that you receive at the end of your visit.

If you are looking for a quality insurance plan for your pet, be sure to look into our suggestions for the best pet insurance companies available. We hope that this buyer's guide has helped you narrow down your choices so you can find the right policy for your pet.

To learn more about the different pet insurance providers available, contact the experts at PetInsuranceFinder.com. Our licensed professionals will be happy to answer any questions you have.