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
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
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
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
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
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
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
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
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
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
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
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
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
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
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?
Dr. Sarah Reidenbach
Advisory Board Member
 
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 ProblemsYour 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 YouConsider 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 PeriodsPet 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 LevelsYour 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 EligibilitySome 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 ListThe 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
Penny Gusner
Insurance Senior Writer
Jason Metz
Insurance Lead Editor
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.
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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.