Everybody should have their health ensured. Your pets aren't an exception!
These are the most popular pet insurance companies that offer a wide array of coverage options. Pick the one that suits your needs the most!
If your pet has never missed a booster shot and you want an insurance plan to help cover those expensive wellness costs, look no further than PetFirst. The company’s routine care rider can be added onto any accident and illness plan and reimburses treatments like checkups, vaccinations, flea and tick preventives, and more, making it the best for routine care among those we reviewed.
Petplan’s comprehensive insurance for dogs and cats covers all accidents and illnesses with no restrictions on hereditary or congenital conditions. And unlike many insurance providers, Petplan will cover dental injuries and periodontal disease. This is particularly beneficial for small dogs, who often need professional dental cleanings.
Today’s pet owners have the liberty of choosing from a wide range of coverage options for their furry friends’ health. These include both traditional insurance policies and alternatives like Pet Assure, which offers many of the same benefits while avoiding most drawbacks, earning it the position of best overall in our roundup of pet insurance plans.
GEICO offers more pet insurance discounts than any other competitor, including lower rates for paying in advance, enrolling multiple pets, and spaying or neutering your dog or cat.
Healthy Paws aims to make your pet-insurance experience as simple as possible and covers any treatment for a new injury or accident that isn’t part of a preexisting condition. That includes hereditary or congenital conditions. The company also offers unlimited benefits for the life of your pet, so if your cat gets cancer, Healthy Paws will never put a cap on coverage for cancer treatments. It offers a handful of deductible options, which can help when you’re budgeting for monthly premiums.
For owners of large- and giant-breed dogs, Seger says Embrace is her top pick because of its preventative and wellness coverage, along with the coverage for surgeries often recommended for large dogs, including gastropexy to prevent torsion (twisted stomach) resulting from bloat. Embrace offers a standard plan that covers accidents and illnesses, a wellness plan that covers vaccines and regular veterinarian visits, and additional coverage for alternative treatments, such as behavioral therapy and prosthetic limbs, not usually covered by other companies. Embrace offers customers a wide range of choices to customize their policy, from various deductibles and reimbursement rates to annual benefit limits and prescription-drug coverage; of course, these added benefits will cost you more per month.
Pets Best offers a variety of plans that include everything from illnesses to annual exams and alternative treatments. But if you’re on a really tight budget and want to protect your pet should it get hit by a car or break a leg, Pets Best’s accident-only insurance, though it won’t cover cancer or any other illnesses, is better than nothing. Starting at just $6 a month for cats and $9 for dogs, your pet is covered for up to $10,000 a year after you reach the $250 deductible.
While it may not make sense for all pets, some dogs and cats do benefit from increased wellness coverage. Nationwide’s Whole Pet With Wellness Plan adds preventative care to its major-medical plan, giving you coverage for new accidents, injuries, or chronic illnesses as well as vet visits, vaccines, diagnostics, tick and heartworm prevention, and even some hereditary conditions like hip dysplasia and eye disorders. The company offers some choice around reimbursement rates, which can help lower premiums but can be risky if your pet needs to see the vet multiple times a year. Unlike many of the other pet-insurance companies, Nationwide offers policies for birds and exotic pets in addition to cats and dogs.
eidenbach introduced us to the community pet-health sharing plan Eusoh, saying she has heard good things but hasn’t had personal experience with it just yet. Instead of paying premiums, you pay a monthly subscription of $17, plus a monthly expense-share contribution depending on the number of expenses submitted to the community that month. Eusoh says the total monthly cost per member averages out to $38. But the company caps the monthly amount so you’ll never pay more than $65 a month including your subscription fee. Whereas you would normally deal with a large insurance company, with Eusoh you join a group of fellow pet owners to share the cost of vet bills with reimbursements based on average national costs for procedures plus a geographical variance.
You may know the ASPCA as an animal rights nonprofit, but the group has also teamed up with insurance company Crum & Forster to offer pet insurance policies to owners of dogs, cats, and horses. For households with more than one of these critters, the ASPCA offers a 10% discount for each subsequent pet that signs up together, which is why we’ve named it the best for multiple pets.