Best Pet Insurance Companies Of October 2024 (2024)

The Best Pet Insurance Companies

  • Pets Best – Best for Deductible Choices
  • Embrace – Best for Healthy Pet Discount
  • ManyPets – Best for Reduced Waiting Periods
  • Figo – Great for Short Waiting Period for Accident Coverage
  • Lemonade – Great for Prices
  • AKC – Best for Add-On Coverage
  • Healthy Paws – Great for Unlimited Annual Coverage

How We Chose the Best Pet Insurance

The Best Pet Insurance Companies in More Detail

Best For Deductible Choices

Pets Best

5.0

Best Pet Insurance Companies Of October 2024 (2)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, Unlimited

Average monthly cost for unlimited coverage

$48 for dogs; $27 for cats

Deductible choices

$50, $100, $200, $250, $500, $1,000

See Plans

$5,000, Unlimited

$48 for dogs; $27 for cats

$50, $100, $200, $250, $500, $1,000

Our Expert Take

We’re impressed by Pets Best’s range of deductible choices combined with costs that are well below average among the companies we analyzed. It provides solid basic coverage and you can add a wellness plan for routine pet care expenses.

Our rating is based on Pets Best’s Plus plan. For broader coverage (at a higher price), consider the Pets Best Elite plan.

More: Pets Best Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (5)

Based on 1,712 customer insights and reviews

Users generally find Pets Best to offer comprehensive pet insurance coverage with good options for customization, and many report significant financial savings on veterinary expenses. However, the primary critique revolves around slow claims processing times, which can cause frustration, and some users have experienced difficulties with claims being denied for pre-existing conditions.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Users generally find Pets Best to offer comprehensive pet insurance coverage with good options for customization, and many report significant financial savings on veterinary expenses. However, the primary critique revolves around slow claims processing times, which can cause frustration, and some users have experienced difficulties with claims being denied for pre-existing conditions.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 53% Positive; 🟡 8% Neutral; 🔴 38% Negative

Relative to other pet insurers in the index, Pets Best Ranked 7 out of 7 for Claims Processing.

Cost and Premiums:

🟢 55% Positive; 🟡 9% Neutral; 🔴 35% Negative

Ranked 3 out of 7

Coverage Options:

🟢 63% Positive; 🟡 9% Neutral; 🔴 28% Negative

Ranked 3 out of 7

Customer Support:

🟢 62% Positive; 🟡 3% Neutral; 🔴 35% Negative

Ranked 6 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 53% Positive; 🟡 8% Neutral; 🔴 38% Negative

Relative to other pet insurers in the index, Pets Best Ranked 7 out of 7 for Claims Processing.

Cost and Premiums:

🟢 55% Positive; 🟡 9% Neutral; 🔴 35% Negative

Ranked 3 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 63% Positive; 🟡 9% Neutral; 🔴 28% Negative

Ranked 3 out of 7

Customer Support:

🟢 62% Positive; 🟡 3% Neutral; 🔴 35% Negative

Ranked 6 out of 7

Pros & Cons

  • Accident coverage waiting period of only 3 days.
  • Has a 24/7 pet telehealth line.
  • Can pay the vet directly if the vet agrees.
  • Covers vet exam fees.
  • 6-month waiting period for coverage of cruciate ligament issues.
  • The Plus plan does not cover alternative therapies, but the Pets Best Elite plan will cover acupuncture and chiropractic care if your pet needs rehabilitation.

Plan Details

Coverage type Plan details

Reimbursement choices

70%, 80%, 90%

Waiting periods

3 days for accidents; 14 days for illnesses; 6 months for cruciate ligament conditions

Age restrictions

Available for pets age 7 weeks and older; no upper age limits

Multipet discount

5%

Euthanasia or end of life expenses

Included

Vet exam fees

Only with Plus and Elite plans

Microchipping

Yes, if you purchase a wellness plan

BEST FOR HEALTHY PET DISCOUNT

Embrace

4.6

Best Pet Insurance Companies Of October 2024 (7)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $8,000, $10,000, $15,000, Unlimited

Average monthly cost for unlimited coverage

$76 for dogs; $37 for cats

Deductible choices

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

See Plans

$5,000, $8,000, $10,000, $15,000, Unlimited

$76 for dogs; $37 for cats

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

Our Expert Take

We like Embrace because it offers a unique way to save on accident and illness plans with its Healthy Pet Discount Program. If your claim reimbursements are less than $300 per pet in the year prior to the discount period, you’ll qualify for a 5% discount in the first year and 10% in the second year for each pet. Embrace will automatically apply the savings to your annual payment or monthly bill.

More: Embrace Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (10)

Based on 1,152 customer insights and reviews

Embrace pet insurance receives mixed reviews from customers. Many users praise its quick claims processing, flexibility in reimbursement options, and extensive coverage for various medical expenses. However, there are significant concerns regarding frequent premium increases and denial of claims due to pre-existing condition interpretations, leading to dissatisfaction among some pet owners.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Embrace pet insurance receives mixed reviews from customers. Many users praise its quick claims processing, flexibility in reimbursement options, and extensive coverage for various medical expenses. However, there are significant concerns regarding frequent premium increases and denial of claims due to pre-existing condition interpretations, leading to dissatisfaction among some pet owners.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 67% Positive; 🟡 3% Neutral; 🔴 30% Negative

Relative to other pet insurers in the index, Embrace ranked 6 out of 7 for claims processing

Cost and Premiums:

🟢 38% Positive; 🟡 8% Neutral; 🔴 55% Negative

Ranked 6 out of 7

Coverage Options:

🟢 55% Positive; 🟡 7% Neutral; 🔴 38% Negative

Ranked 6 out of 7

Customer Support:

🟢 77% Positive; 🟡 2% Neutral; 🔴 21% Negative

Ranked 2 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 67% Positive; 🟡 3% Neutral; 🔴 30% Negative

Relative to other pet insurers in the index, Embrace ranked 6 out of 7 for claims processing

Cost and Premiums:

🟢 38% Positive; 🟡 8% Neutral; 🔴 55% Negative

Ranked 6 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 55% Positive; 🟡 7% Neutral; 🔴 38% Negative

Ranked 6 out of 7

Customer Support:

🟢 77% Positive; 🟡 2% Neutral; 🔴 21% Negative

Ranked 2 out of 7

Pros & Cons

  • Accident coverage begins at 12:01 a.m. ET the day after you purchase your policy.
  • Covers vet exam fees.
  • Has a 24/7 pet telehealth line and optional wellness plan.
  • Can pay a veterinary hospital directly—but generally only for very large claims where it would be prohibitively expensive to pay and wait for reimbursement.
  • Higher-than-average costs compared to top competitors in our analysis.
  • Waiting period of 6 months for coverage of orthopedic conditions, which can be waived if your pet has an orthopedic exam after you purchase a plan.

Plan Details

Coverage type Plan details

Reimbursement choices

70%, 80%, 90%

Waiting periods

Accident coverage begins at 12:01 a.m. ET the day after you purchase your policy; 14 days for illnesses; 6 months for orthopedic conditions (can be waived with an orthopedic exam)

Age restrictions

Available for pets age 6 weeks and older; accident and illness plans available for pets up to age 15; pets age 15 and older qualify for only an accident-only plan

Multipet discount

10%

Euthanasia or end of life expenses

Included

Vet exam fees

Included

Microchipping

Yes, if you purchase a wellness plan

Best For Reduced Waiting Periods

ManyPets

4.6

Best Pet Insurance Companies Of October 2024 (12)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

Unlimited

Average monthly cost for unlimited coverage

$49 for dogs; $30 for cats

Deductible choices

$500, $750

See Plans

Unlimited

$49 for dogs; $30 for cats

$500, $750

Our Expert Take

ManyPets stood out in our evaluation because of its unique approach to reducing the accident and illness waiting period to 24 hours if you’re switching over from another pet insurer. ManyPets also does not have a special waiting period for orthopedic conditions like cruciate ligament issues, which can range from six to 12 months at other insurers.

More: ManyPets Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (15)

Based on 168 number of customer insights and reviews

ManyPets pet insurance receives mixed feedback from users. Many appreciate its comprehensive coverage options, including coverage for pre-existing conditions after a specified period. Users are largely satisfied with the claims process, which is described as straightforward and quick, although some mention premium increases and a lack of convenient technology tools compared to other companies.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

ManyPets pet insurance receives mixed feedback from users. Many appreciate its comprehensive coverage options, including coverage for pre-existing conditions after a specified period. Users are largely satisfied with the claims process, which is described as straightforward and quick, although some mention premium increases and a lack of convenient technology tools compared to other companies.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 85% Positive; 🟡 12% Neutral; 🔴 3% Negative

Relative to other pet insurers in the index, ManyPets ranked 1 out of 7 for claims processing

Cost and Premiums:

🟢 69% Positive; 🟡 17% Neutral; 🔴 14% Negative

Ranked 1 out of 7

Coverage Options:

🟢 79% Positive; 🟡 15% Neutral; 🔴 6% Negative

Ranked 1 out of 7

Customer Support:

🟢 58% Positive; 🟡 21% Neutral; 🔴 21% Negative

Ranked 5 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 85% Positive; 🟡 12% Neutral; 🔴 3% Negative

Relative to other pet insurers in the index, ManyPets ranked 1 out of 7 for claims processing

Cost and Premiums:

🟢 69% Positive; 🟡 17% Neutral; 🔴 14% Negative

Ranked 1 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 79% Positive; 🟡 15% Neutral; 🔴 6% Negative

Ranked 1 out of 7

Customer Support:

🟢 58% Positive; 🟡 21% Neutral; 🔴 21% Negative

Ranked 5 out of 7

Pros & Cons

  • Below average prices among the companies we evaluated.
  • Includes coverage for vet exam fees.
  • Optional wellness plan available.
  • No coverage for behavioral therapy.
  • No multipet discount.

Plan Details

Coverage type Plan details

Reimbursement choices

70%, 80%

Waiting periods

15 days for accident and illness (or 24 hours if you’re switching over from another insurer); no special waiting periods for specific conditions

Age restrictions

Available for pets age 8 weeks and older; upper age limit of 14 for new policies

Multipet discount

None

Euthanasia or end of life expenses

Included

Vet exam fees

Included

Microchipping

Not included

GREAT FOR SHORT WAITING PERIOD FOR ACCIDENT COVERAGE

Figo

4.4

Best Pet Insurance Companies Of October 2024 (17)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $10,000, Unlimited

Average monthly cost for Unlimited coverage

$59 for dogs; $32 for cats

Deductible choices

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

See Plans

$5,000, $10,000, Unlimited

$59 for dogs; $32 for cats

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

Our Expert Take

We picked Figo due to its short 1-day waiting period for accident coverage. It also offers a wide variety of coverage, reimbursement and deductible options so you can work within your budget.

More: Figo Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (20)

Based on 1,019 customer insights and reviews

Figo pet insurance generally receives positive feedback for its quick claim processing, especially with app submissions, and comprehensive coverage options. However, some users express dissatisfaction with rising premiums and denied claims due to pre-existing conditions, as well as changes in policy terms and coverage limits after an underwriter switch.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Figo pet insurance generally receives positive feedback for its quick claim processing, especially with app submissions, and comprehensive coverage options. However, some users express dissatisfaction with rising premiums and denied claims due to pre-existing conditions, as well as changes in policy terms and coverage limits after an underwriter switch.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 73% Positive; 🟡 3% Neutral; 🔴 24% Negative

Relative to other pet insurers in the index, Figo ranked 5 out of 7 for claims processing

Cost and Premiums:

🟢 42% Positive; 🟡 10% Neutral; 🔴 48% Negative

Ranked 5 out of 7

Coverage Options:

🟢 50% Positive; 🟡 7% Neutral; 🔴 43% Negative

Ranked 7 out of 7

Customer Support:

🟢 69% Positive; 🟡 3% Neutral; 🔴 28% Negative

Ranked 4 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 73% Positive; 🟡 3% Neutral; 🔴 24% Negative

Relative to other pet insurers in the index, Figo ranked 5 out of 7 for claims processing

Cost and Premiums:

🟢 42% Positive; 🟡 10% Neutral; 🔴 48% Negative

Ranked 5 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 50% Positive; 🟡 7% Neutral; 🔴 43% Negative

Ranked 7 out of 7

Customer Support:

🟢 69% Positive; 🟡 3% Neutral; 🔴 28% Negative

Ranked 4 out of 7

Pros & Cons

  • Offers a 100% reimbursement option.
  • Has a 24/7 pet telehealth line.
  • Routine wellness plan available.
  • Figo’s website live chat is quick and helpful.
  • Coverage for vet exam fees can be added but for an extra cost. Some top competitors include this in the base coverage.
  • 6-month waiting period for orthopedic problems, but can be waived if your vet signs an orthopedic conditions waiver within the first 30 days of the policy.
  • No option to pay the vet directly.

Plan Details

Coverage type Plan details

Reimbursement choices

70%, 80%, 90%, 100%

Waiting periods

1 day for accidents; 14 days for illnesses; 6 months for orthopedic conditions (can be waived with an orthopedic waiver within the first 30 days of the policy)

Age restrictions

Available for pets 8 weeks and older; no upper age limit

Multipet discount

5%

Euthanasia or end of life expenses

Included

Vet exam fees

Yes, if you purchase the Veterinary Exam Fees Powerup

Microchipping

Yes, if you purchase the Wellness and Preventative Coverage Powerup

GREAT FOR PRICES

Lemonade

4.3

Best Pet Insurance Companies Of October 2024 (22)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $10,000, $20,000, $50,000, $100,000

Average monthly cost for Unlimited coverage

$52 for dogs; $28 for cats

Deductible choices

$100, $250, $500, $750

See Plans

$5,000, $10,000, $20,000, $50,000, $100,000

$52 for dogs; $28 for cats

$100, $250, $500, $750

Our Expert Take

We like Lemonade due to its very competitive rates for dogs and cats. But you’ll give up some things like a 24/7 vet helpline, and coverage of the vet exam fee is available only by buying an add-on.

More: Lemonade Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (25)

Based on 1,152 customer insights and reviews

Lemonade pet insurance generally receives praise for its quick claim processing and user-friendly app interface, making it a convenient choice for many pet owners. However, some users have reported dissatisfaction with claim denials, particularly around pre-existing conditions and rising premiums over time.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Lemonade pet insurance generally receives praise for its quick claim processing and user-friendly app interface, making it a convenient choice for many pet owners. However, some users have reported dissatisfaction with claim denials, particularly around pre-existing conditions and rising premiums over time.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 83% Positive; 🟡 2% Neutral; 🔴 14% Negative

Relative to other pet insurers in the index, Lemonade ranked 3 out of 7 for claims processing

Cost and Premiums:

🟢 69% Positive; 🟡 11% Neutral; 🔴 21% Negative

Ranked 2 out of 7

Coverage Options:

🟢 58% Positive; 🟡 16% Neutral; 🔴 26% Negative

Ranked 4 out of 7

Customer Support:

🟢 75% Positive; 🟡 4% Neutral; 🔴 21% Negative

Ranked 3 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 83% Positive; 🟡 2% Neutral; 🔴 14% Negative

Relative to other pet insurers in the index, Lemonade ranked 3 out of 7 for claims processing

Cost and Premiums:

🟢 69% Positive; 🟡 11% Neutral; 🔴 21% Negative

Ranked 2 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 58% Positive; 🟡 16% Neutral; 🔴 26% Negative

Ranked 4 out of 7

Customer Support:

🟢 75% Positive; 🟡 4% Neutral; 🔴 21% Negative

Ranked 3 out of 7

Pros & Cons

  • Lower-than-average prices.
  • Accident coverage begins the day coverage starts in most states.
  • Optional wellness plan available.
  • Has live chat for pet health questions seven days a week from 6 a.m. to 12 a.m. ET.
  • Many coverage perks are only available as add-ons for extra cost.
  • No coverage for behavioral or alternative therapy.
  • No coverage for stem cell treatment, prescription food or microchipping.
  • No option to pay the vet directly.

Plan Details

Coverage type Plan details

Reimbursement choices

70%, 80%, 90%

Waiting periods

Accident coverage begins 12:01 a.m. ET on the day coverage starts; 14 days for illnesses; 30 days for cruciate ligament issues

Age restrictions

Lemonade may have upper age limits to buy a new policy depending on the pet’s breed.

Multipet discount

5%

Euthanasia or end of life expenses

Yes, if you buy the End-of-Life and Remembrance add-on

Vet exam fees

Yes, if you buy the Vet Visit Fee add-on

Microchipping

Yes, if you buy the Puppies/Kitten Preventative Care Package

BEST FOR ADD-ON COVERAGE

AKC

4.0

Best Pet Insurance Companies Of October 2024 (27)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$2,500, $5,000, $7,500, $10,000, $15,000, Unlimited

Average monthly cost for Unlimited coverage

$60 for dogs; $32 for cats

Deductible choices

$100, $250, $300, $400, $500, $750, $1,000

See Plans

$2,500, $5,000, $7,500, $10,000, $15,000, Unlimited

$60 for dogs; $32 for cats

$100, $250, $300, $400, $500, $750, $1,000

Our Expert Take

We like that AKC offers a good number of add-on coverage options, including a wellness plan, exam coverage for vet fees, breeding coverage for dog breeders and final respects coverage for cremation, burial and memorial expenses for your pet.

More: AKC Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (30)

Based on 460 customer insights and reviews

AKC pet insurance is generally praised for its reliable and comprehensive coverage, with many users appreciating the true peace of mind it offers. The service is commended for its efficient claims process, timely reimbursements, and exemplary customer service. Despite some concerns about premium increases and specific coverage limitations, customers appear satisfied with the coverage, particularly for pre-existing conditions after the waiting period.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

AKC pet insurance is generally praised for its reliable and comprehensive coverage, with many users appreciating the true peace of mind it offers. The service is commended for its efficient claims process, timely reimbursements, and exemplary customer service. Despite some concerns about premium increases and specific coverage limitations, customers appear satisfied with the coverage, particularly for pre-existing conditions after the waiting period.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 85% Positive; 🟡 3% Neutral; 🔴 12% Negative

Relative to other pet insurers in the index, AKC ranked 2 out of 7 for claims processing

Cost and Premiums:

🟢 48% Positive; 🟡 14% Neutral; 🔴 38% Negative

Ranked 4 out of 7

Coverage Options:

🟢 52% Positive; 🟡 14% Neutral; 🔴 34% Negative

Ranked 5 out of 7

Customer Support:

🟢 94% Positive; 🟡 1% Neutral; 🔴 5% Negative

Ranked 1 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 85% Positive; 🟡 3% Neutral; 🔴 12% Negative

Relative to other pet insurers in the index, AKC ranked 2 out of 7 for claims processing

Cost and Premiums:

🟢 48% Positive; 🟡 14% Neutral; 🔴 38% Negative

Ranked 4 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 52% Positive; 🟡 14% Neutral; 🔴 34% Negative

Ranked 5 out of 7

Customer Support:

🟢 94% Positive; 🟡 1% Neutral; 🔴 5% Negative

Ranked 1 out of 7

Pros & Cons

  • 24/7 pet telehealth line.
  • 2-day waiting period for accident coverage.
  • Covers curable conditions like allergies and ear infections after a 12-month waiting period.
  • AKC’s website has helpful live chat.
  • No option to pay the vet directly.
  • 180 day waiting period for intervertebral disc disease and cruciate ligament conditions.
  • You’ll have to pay extra for exam fee coverage. Some top competitors include this with base coverage.

Plan Details

Coverage type Plan details

Reimbursement choices

70%, 80%, 90%

Waiting periods

2 days for accidents; 14 days for illnesses; 180 days months for intervertebral disc disease and cruciate ligament conditions

Age restrictions

Some states require dogs be 8 weeks of age and kittens be 10 weeks of age for eligibility; newly enrolled pets age 9 and older only qualify for an accident-only plan

Multipet discount

5%

Euthanasia or end of life expenses

Yes, if you purchase final respects coverage

Vet exam fees

Yes, if you purchase exam coverage for vet fees

Microchipping

Yes, if you purchase a wellness plan

GREAT FOR UNLIMITED ANNUAL COVERAGE

Healthy Paws

4.0

Best Pet Insurance Companies Of October 2024 (32)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

Unlimited

Average monthly cost for Unlimited coverage

$55 for dogs; $22 for cats

Deductible choices

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

See Plans

Unlimited

$55 for dogs; $22 for cats

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

Our Expert Take

We picked Healthy Paws because it offers unlimited annual coverage at a lower-than-average cost compared to other top competitors. But vet exam fees are not covered and pets enrolled at age 6 and older will not be covered for hip dysplasia.

More:Healthy Paws Pet Insurance Review

Consumer Sentiment Index

Best Pet Insurance Companies Of October 2024 (35)

Based on 1,831 customer insights and reviews

Healthy Paws has received praise for quick claim processing, high reimbursement percentages, and coverage of serious medical conditions, providing peace of mind and financial relief to many pet owners. However, significant concerns are raised over increasing premiums, especially as pets age, and the denial of claims related to pre-existing conditions. Despite these issues, many users still find Healthy Paws advantageous, citing minimal hassle with serious claims and commendable customer support.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Healthy Paws has received praise for quick claim processing, high reimbursement percentages, and coverage of serious medical conditions, providing peace of mind and financial relief to many pet owners. However, significant concerns are raised over increasing premiums, especially as pets age, and the denial of claims related to pre-existing conditions. Despite these issues, many users still find Healthy Paws advantageous, citing minimal hassle with serious claims and commendable customer support.

The Consumer Sentiment Index from Forbes Advisor uses a proprietary weighting system designed by our subject matter experts. It evaluates thousands of consumer insights and reviews from leading online forums to determine customer satisfaction at scale.

*Percentages may not total 100 as all percentages are rounded to the nearest whole number

Claims Process & Cost and Premiums:

Coverage Options & Customer Support:

Claims Process:

🟢 75% Positive; 🟡 3% Neutral; 🔴 23% Negative

Relative to other pet insurers in the index, Healthy Paws ranked 4 out of 7 for claims processing

Cost and Premiums:

🟢 31% Positive; 🟡 13% Neutral; 🔴 55% Negative

Ranked 7 out of 7

Coverage Options:

🟢 64% Positive; 🟡 10% Neutral; 🔴 25% Negative

Ranked 2 out of 7

Customer Support:

🟢 57% Positive; 🟡 2% Neutral; 🔴 41% Negative

Ranked 7 out of 7

Read more

Claims Process & Cost and Premiums:

Claims Process:

🟢 75% Positive; 🟡 3% Neutral; 🔴 23% Negative

Relative to other pet insurers in the index, Healthy Paws ranked 4 out of 7 for claims processing

Cost and Premiums:

🟢 31% Positive; 🟡 13% Neutral; 🔴 55% Negative

Ranked 7 out of 7

Coverage Options & Customer Support:

Coverage Options:

🟢 64% Positive; 🟡 10% Neutral; 🔴 25% Negative

Ranked 2 out of 7

Customer Support:

🟢 57% Positive; 🟡 2% Neutral; 🔴 41% Negative

Ranked 7 out of 7

Pros & Cons

  • No annual coverage limit on claim payouts.
  • Has a 24/7 pet telehealth line.
  • Pays vet directly if you make a request to Healthy Paws in advance of treatment.
  • Choices for deductibles and reimbursement levels are related to the pet’s age and other factors, but Healthy Paws does not disclose the exact deductible schedule. You have to get a quote to find out your choices.
  • Doesn’t offer wellness or routine care coverage.
  • Doesn’t cover vet exam fees for accidents or illnesses.

Plan Details

Coverage type Plan details

Reimbursement choices

50%, 60%, 70%, 80%, 90%

Waiting periods

15 days for accidents and illnesses; 12 months for hip dysplasia

Age restriction

Available for pets age 8 weeks and older; upper age limit of 14 for new policies

Multipet discount

No

Euthanasia or end of life expenses

Included

Vet exam fees

Not included

Microchipping

Not included

Summary: Best Pet Insurance Companies

Compare the Best Pet Insurance Companies

With all the variations in pricing and coverage details, it can be challenging to compare pet insurance plans in an apples-to-apples way. We found the best way to do it is by prioritizing the benefits that are the most important to you and then comparing prices among the policies that match your must-haves. Here’s how we chose the best pet insurance.

Plan Type

The first thing we recommend looking at is the plan type. We recommend a comprehensive pet insurance plan that covers accidents and illnesses. Pet insurance can generally be broken down into these plan types:

  • Accident and illness plan. This covers vet bills for accidents (like broken bones) and illnesses (such as cancer, allergies and skin infections).
  • Accident-only plan. This covers accident-related vet expenses, such as broken bones, bite wounds and ingested foreign objects. It does not cover illness-related vet expenses.
  • Pet wellness plans for routine care. This is typically an add-on policy that covers routine vet expenses like annual wellness exams, flea and heartworm prevention, and vaccinations.
  • Comprehensive plan. Sometimes called a “nose-to-tail” policy, this typically refers to an accident and illness plan plus an optional wellness plan.

Related: What Does Pet Insurance Cover?

Compare Plans Available by Company

We recommend looking at valuable benefits like coverage for vet exam fees. Not all insurers include this with their base policies. If having access to a 24/7 vet telehealth line is important to you, we recommend choosing an insurer that provides this benefit. It’s also a good idea to look at insurers that offer optional pet insurance wellness plans for routine care if you want coverage for expenses like annual wellness exams and vaccinations.

Company Covers pet exam fees for accidents and illnesses? 24/7 vet telehealth line available? Offers optional wellness plan? Offers option to pay vet directly

Pets Best

No (add-on coverage is available)

Yes

Yes

Yes

Embrace

Yes

Yes

Yes

Yes

ManyPets

Yes

Yes

Yes

No

Figo

No (add-on coverage is available)

Yes

Yes

No

Lemonade

No (add-on coverage is available)

Yes

Yes

No

AKC

No (add-on coverage is available)

Yes

Yes

No

Healthy Paws

No

Yes

No

Yes

Coverage Levels

Pet insurance policies will typically offer a range of annual maximums, deductibles and reimbursement levels to choose from. We would prioritize choosing coverage levels you’re comfortable with rather than focusing on price alone. In the event of an expensive claim, you’ll be glad you bought sufficient coverage.

  • Annual maximum coverage. This is the maximum amount that will be paid out for pet insurance claims during the policy period. Common annual maximum coverage amounts include $5,000, $10,000 and unlimited.
  • Deductible. This is the amount you’ll pay toward vet bills before your coverage kicks in. Common deductible choices include $100, $250 and $500.
  • Reimbursement percentage. This is the reimbursement you’ll get back if you make a pet insurance claim. Common reimbursement levels include 70%, 80% and 90%.

Compare What’s Covered by Company

We recommend comparing coverage benefits like behavioral therapy, alternative therapy, microchipping and end-of-life expenses among pet insurers. Some insurers include these coverage types in their base policies or have the option to buy extra coverage.

Company Covers behavioral therapy? Covers alternative therapy? Covers microchipping? Covers euthanasia or end-of-life expenses?

Pets Best

No

No

No (add-on coverage is available)

Yes

Embrace

Yes

Yes

No (add-on coverage is available)

Yes

ManyPets

No

No

No

Yes

Figo

No

Yes

No (add-on coverage is available)

Yes

Lemonade

No (add-on coverage is available)

No (add-on coverage is available)

Only available in the puppies and kittens preventive care package

No (add-on coverage is available)

AKC

Yes, but not in all states

Yes, but not in all states

No (add-on coverage is available)

No (add-on coverage is available)

Healthy Paws

No

Yes

No

Yes

Waiting Periods

A waiting period is the time between the policy purchase date and when the coverage begins. If you have a dog, we recommend taking a hard look at any special waiting periods, such as those for cruciate ligament issues. Many policies have a six-month waiting period for this but some insurers will waive this waiting period if you have an orthopedic exam done.

Special waiting periods for orthopedic conditions like hip dysplasia or cruciate ligament issues can range from six to 12 months, but you can find pet insurance with no waiting period for orthopedic conditions. If a long waiting period is a concern, I recommend looking at insurers like ASPCA, ManyPets, Pumpkin, Spot and Trupanion.

Jason Metz, Lead Editor

Compare Waiting Periods by Company

Company Accident waiting period Illness waiting period Special waiting period

Pets Best

3 days

14 days

6 months for cruciate ligament conditions

Embrace

Accident coverage begins at 12:01 a.m. ET

14 days

6 months for orthopedic conditions (can be waived with an orthopedic exam)

ManyPets

15 days (or 24 hours if you’re switching from another pet insurer)

15 days (or 24 hours if you’re switching from another pet insurer)

None

Figo

1 day

14 days

6 months for orthopedic conditions (can be waived with an orthopedic exam)

Lemonade

Accident coverage begins 12:01 a.m. ET the day coverage starts

14 days

30 days for orthopedic conditions

AKC

2 days

14 days

180 days for cruciate ligament conditions and intervertebral disc disease

Healthy Paws

15 days

15 days

12 months for hip dysplasia

Pet Insurance Discounts

Pet insurance discounts are a good way to save. Here are discounts we found in our analysis, but they will vary by company:

  • Multipet discount. Many insurers offer a discount if you insure more than one pet.
  • Spay/neuter discount. Some insurers offer discounts to pet owners who have their pet spayed or neutered.
  • Annual pay discount. You can often reduce costs if you pay your annual premium in one lump sum.
  • Military discount. Some insurers offer discounts for military members and veterans.
  • Group discount at work. Some employers offer pet insurance as a voluntary benefit, which could get you a 5% to 10% discount.
  • Bundle discount. You can get up to a 10% discount when you bundle Lemonade pet insurance with a Lemonade renters or homeowners insurance policy.

Compare Pet Insurance Discounts by Company

Company Multipet discount Military member discount Annual payment discount Other discounts

Pets Best

5%

No

No

No

Embrace

10%

5% (not available in New York or Tennessee)

No

No

ManyPets

No

No

No

No

Figo

5%

5% (not available in Florida, New York, Tennessee or Washington)

No

No

Lemonade

5%

No

No

No

AKC

5%

No

No

10% breeder discount

Healthy Paws

No

No

No

No

Other Pet Insurance Comparison Factors

Here are two more factors we would look at when buying a pet insurance plan:

  • Exam fees. When you take your pet to the veterinarian for an accident or illness, you pay an exam fee, costing $100 or more depending on your veterinarian and visit type. Make sure the policy covers these exam fees because not all do.
  • Benefits. Look for extra benefits like a 24-hour vet helpline in case your pet gets sick at night. As another example, Nationwide pet insurance members have access to preferred pricing on pet prescriptions at any Walmart pharmacy.

How Much Does Pet Insurance Cost?

Pet insurance costs an average of $51 for a dog and $27 per month for a cat, according to our analysis of pet insurance costs. That’s for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs an average of $73 per month for a dog and $37 per month for a cat.

Your own pet insurance costs will be determined by factors such as:

  • Annual maximum, deductible and reimbursement levels.
  • Pet’s age, breed and gender.
  • Your location.
Company Monthly pet insurance cost for a dog Monthly pet insurance cost for a cat

Pets Best

$48

$27

Embrace

$76

$37

ManyPets

$49

$30

Figo

$60

$26

AKC

$56

$33

Healthy Paws

$55

$22

Source: Forbes Advisor research. Costs are based on plans with unlimited annual coverage, a $250 deductible and 80% reimbursement level. ManyPets does not offer a $250 deductible, rates are based on a $500 deductible.

Cost of Pet Insurance vs. Cost of Treating Common Pet Health Problems

Pet insurance can be an effective way to help offset expensive and unexpected vet bills. If your pet develops an expensive illness, pet insurance can have a significant return on investment for you. For example, the average cost of cancer treatment for a dog is more than $4,300. Compare that to about $600 a year for a $5,000 pet insurance policy, and you’ll have made a smart purchase—even if cancer treatment is your only claim during that time.

Average Annual Cost of Pet Insurance

Annual cost of pet insurance for a policy with $5,000 annual coverage, a $250 deductible and 80% reimbursement level:

  • $612 for a dog
  • $324 for a cat

Annual cost of pet insurance for a policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level:

  • $876 for a dog
  • $444 for a cat

Average Annual Cost of Common Pet Health Problems

Condition Average cost of treatment for dogs Average cost of treatment for cats

Cancer

$4,341

$3,204

Ingested foreign objects

$5,106

$4,636

Diabetes

$3,055

$1,959

Broken bone

$2,898

$2,772

Heart murmur

$881

$790

Arthritis

$740

$656

Dental disease

$1,038

$1,186

Bladder infection/UTI

$513

$846

Eye conditions

$1,059

$758

Kidney disease

$1,813

$1,409

Source: Pets Best, based on claims data from January 1, 2023 to December 31, 2023

Our Analysis of Pet Insurance Coverage vs. Cost

When we analyzed the ratio of coverage included by each company vs. average cost, we found that ManyPets and Pets Best policies have the most bang for your buck.

If you’re looking for the maximum coverage at the best price, Pumpkin and Spot were tops in our analysis.

EXPERT TIP

Is Pet Insurance Worth It?

Best Pet Insurance Companies Of October 2024 (36)

Dr. Sarah Reidenbach

Advisory Board Member

&nbsp

As a veterinarian, people often express concern to me about the cost of veterinary medicine compared to human medicine. The truth is that human medical services are exponentially more expensive, but most of us are used to having the benefit of health insurance for medical needs. Taking the time to get pet insurance in place can save the stress of large emergency veterinary bills that are so difficult to manage.

Dr. Sarah Reidenbach

Advisory Board Member

How to Choose the Right Pet Insurance

These simple steps will get you to the best policy for your situation.

Consider Your Pet’s Potential Health Problems

Your pet’s age, breed and health history can affect what kind of coverage you want. Consult with your vet about your pet’s susceptibility to certain illnesses or injuries common to the breed. Also consider the pet’s risk of injury if they spend a lot of time outdoors.

Determine What Policy Features Are Important to You

Consider what types of problems should be covered by your ideal policy, especially when it comes to potentially expensive problems. For example, if you want coverage for serious illnesses such as cancer, make sure you buy an accident and illness plan rather than an accident-only plan.

It’s also a good idea to look for coverage perks like a 24/7 pet healthline, coverage for vet exam fees and the option to add a wellness plan.

Consider the Waiting Periods

Pet insurance waiting periodsare generally two to 14 days for accident coverage and 14 days for illness coverage. Some pet insurers have special waiting periods for orthopedic conditions (such as cruciate ligament issues) that can range from six to 12 months. You can find pet insurance with no special waiting periods, such asASPCA pet health insurance.

Choose Your Coverage Levels

Your coverage levels will impact your pet insurance cost. If you want to pay less out-of-pocket, you can choose a lower deductible and a higher reimbursement amount, but it’ll cost you more in premiums because your insurer will pay out more if youfile a pet insurance claim.

Check Your Pet’s Eligibility

Some pet insurers have age limits to buy a policy. Most insurers will insure puppies and kittens around the age of six to 10 weeks. But some insurers have upper age limits (such as age 14) to buy a policy. Thebest pet insurance companies for older dogsdo not have upper age limits and have good coverage perks like a 24/7 pet healthline and the option to add a wellness plan.

Compare Quotes for Plans That Match Your Wish List

The best way to find a policy within your budget is tocompare pet insurance quotesamong multiple insurers. You can get free quotes online or you can contact an insurance agent that sells pet insurance.

Anticipated Pet Medical Bills Among Popular Dog Breeds

Among popular dog breeds, poodles and Dachshunds are the most likely to develop illnesses as adult dogs. But based on data from Fetch, Rottweilers have the most expensive cost of care as adult dogs.

Dog breed Chance of illness as an adult dog (ages 6-9) Anticipated cost of care as a puppy (ages 0-2) Anticipated cost of care as an adult dog (ages 6-9)

Beagle

64%

$3,073

$8,225

Dachshunds

69%

$3,078

$6,407

English bulldogs

56%

$4,106

$7,194

French bulldogs

62%

$4,158

$8,756

German shepherds

48%

$3,038

$6,489

Golden retrievers

59%

$3,382

$7,496

Labrador retrievers

55%

$3,846

$6,999

Mixed breeds (medium sized)

59%

$3,445

$7,680

Poodles

72%

$3,759

$10,408

Rottweilers

62%

$4,158

$11,625

Source: Fetch pet insurance. Predictions are based on male puppies under 1 year old who have been neutered and are in good health. Cost of care numbers are based on 1 in 10 dogs for the breed. Based on clinical findings from more than 500 breeds and 800,000 dogs.

ASK THE EXPERT

We Answer Your Questions

Best Pet Insurance Companies Of October 2024 (38)

Penny Gusner

Insurance Senior Writer

Best Pet Insurance Companies Of October 2024 (39)

Jason Metz

Insurance Lead Editor

Best Pet Insurance Companies Of October 2024 (40)

Michelle Megna

Insurance Lead Editor

I want full coverage in case of an emergency. What kind of pet insurance do I need?

Rosalba C., Stamford, Connecticut

If you want coverage for health emergencies like broken bones, ingested foreign objects and dyspnea (shortness of breath), make sure you buy an accident and illness plan. This is the most common type of pet insurance plan and covers the most pet health emergencies.

Penny Gusner

Insurance Senior Writer

Will my pet insurance company drop me when my dog reaches a certain age?

Simona L., Avondale, Arizona

Your pet insurance company will not drop your dog at a certain age. Some pet insurers have an upper age limit to buy a new policy, such as age 14, but as long as you have the policy before the upper age limit, you can have lifelong coverage if you renew every year.

You can also find pet insurers that do not have upper age limits for buying a policy, such as Pets Best and Figo.

Jason Metz

Insurance Lead Editor

Would you still recommend getting pet insurance if my dog has already been diagnosed with diabetes?

Rémi S., Logan, Utah

Yes, I would recommend getting pet insurance even with a diabetes diagnosis. Since your dog’s diabetes is a pre-existing condition, you won’t be covered for diabetes-related vet bills, but you will be covered for other expensive health problems, illnesses (like cancer and infections) and accidents like a broken bone.

Michelle Megna

Insurance Lead Editor

Methodology

To find the best pet insurance, we collected data and scored each pet insurance company for several categories. Only pet insurers offering annual maximum coverage of $100,000 or Unlimited were scored, so that comparisons were fair among companies.

  • Pet insurance rates (40% of score): We calculated average rates for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.
  • Special waiting period (10% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.
  • Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points.
  • 24/7 vet health line (10% of score): Insurers that provide access to a 24/7 vet health line earned points.
  • Routine wellness plans (10% of score): Insurers that offer optional wellness plans earned points.
  • Pays veterinary exam fees (10% of score): Plans that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit.
  • Euthanasia or end of life expenses (5% of score): Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, received points.
  • Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.

Compare Pet Insurance Plans

Get a Free Quote From Top Pet Insurance Companies

Get Quotes

Read more: How Forbes Advisor Rates Pet Insurance Companies

Best Pet Insurance Frequently Asked Questions (FAQs)

Should I get pet insurance?

We found the best way to determine if pet insurance is worth it is to consider how an unexpected vet bill could impact your personal finances. For example, if you’ve been paying about $50 per month for dog insurance for three years, you’ve paid $1,800 in pet insurance premiums.

Let’s say your dog swallowed a tennis ball and surgery cost $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for treatment would be $900 ($250 deductible + 20% of $3,250 = $900). Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,700 and avoided paying $800 by having pet insurance.

What is the best dog insurance?

We found that Pets Best is the best dog insurance company because of its solid coverage options and low prices for unlimited annual coverage among the companies we evaluated. Dog owners will find a 24/7 vet telehealth line, the option to add a wellness plan and the ability to pay the vet directly, which can help keep out of pocket expenses low.

Other pet insurance companies that scored well in our analysis include Embrace, ManyPets, Figo, AKC pet insurance and Healthy Paws.

What is the best cat insurance?

We found that Pets Best is the best cat insurance due its competitive prices and coverage options. These include access to a 24/7 vet telehealth line, an optional wellness plan and the ability to pay the vet directly.

Other insurers that were among our winners for best cat insurance companies include Embrace, Spot, Figo and Healthy Paws.

Do all vets take pet insurance?

All vets take pet insurance in the sense that pet insurance is generally reimbursement-based, meaning you’ll pay the veterinarian bills up-front and then submit a claim to your pet insurance company for reimbursement. So in most cases the veterinarian does not interact at all with the insurance company.

Some pet insurance companies pay the vet directly, which can reduce your out-of-pocket costs and you won’t have to wait for an insurance claims check.

Best Pet Insurance Companies Of October 2024 (2024)
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