Best Pet Insurance Companies in United States (US)

Pet insurance has grown to be an essential financial safety net in the United States, where pet ownership is at an all-time high. It takes care of unforeseen veterinary costs, relieving pet owners’ financial strain. It guarantees top-notch care for pets without breaking the pocketbook, just like human health insurance.

The importance of pet insurance in the US, available coverage options, important factors to take into account when picking a plan, and its benefits for both pets and owners are all covered in this article. Understanding pet insurance is crucial for your pet’s wellbeing, regardless of whether you are an experienced pet owner or are thinking about bringing a furry friend into your household.

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1. Pet Insurance

A financial product called pet insurance assists in paying for veterinary costs for animals, including those associated with illness, accidents, routine maintenance, chronic illnesses, and inherited problems. Veterinary services are paid for up front by pet owners, who then submit claims for reimbursement.

Based on the policy and provider selected, different prices for coverage and reimbursement apply. Pet insurance is useful for handling unforeseen veterinary expenses and making sure animals receive the care they need without putting a strain on finances. To obtain the right coverage for your pet and your budget, it is crucial to do some research and compare different policies.

1.1 Need for Pet Insurance

In today’s environment of escalating medical expenditures and unanticipated crises, pet insurance is crucial. It offers financial assistance for routine maintenance, mishaps, illnesses, and chronic conditions, freeing pet owners to choose the best course of action for their animals’ health.

Additionally, it ensures that pets receive the best treatment while providing piece of mind and removing the need for difficult decisions when faced with large veterinarian expenditures. In general, pet insurance is an essential tool for proper pet keeping, encouraging longer, healthier lives for our cherished pets.

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2. Best Pet Insurance Companies – United States

In order to choose coverage that is most suited to your pet’s needs and way of life, you may compare some of the top pet insurance providers using the list below.

2.1 Top Pet Insurance Companies According to Our Ratings

1. Paw Protect – Best for Paying Covered Vet Bills Instantly
2. Embrace – Best for Superior Benefits
3. Spot – Best for Annual Coverage Choices
4. Many Pets – Best Cost for Unlimited Annual Coverage
5. Lemonade – Best Price for Kittens and Puppies
6. Healthy Paws – Best for Alternative Care
7. Pumpkin – Great for Senior Cats and Dogs
8. Pets Best – Great for Choices of Deductible
9. Figo – Great for Short Waiting Period for Accident Coverage
10. Trupanion – Best for Lowest Out-Of-Pocket Claims Costs

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3. Paw Protect – United States (US)

3.1 Why Its Highly Recommended – Paw Protect United States

The pet insurance plan from Paw Protect has the same benefits and costs as the plan from Embrace, which received a perfect score in our review. Nevertheless, Paw Protect also offers policyholders a $2,000 line of credit with no fees, interest, or credit checks to pay for veterinary expenses. When paying a vet bill, you can use this line of credit to avoid having to pay the entire amount up front and then wait for insurance reimbursement.

3.2 Pros & Cons – Paw Protect United States (US)

Pros	Cons
Veterinary office visit costs for illnesses and accidents are covered.	Lacks a variety of deductible and annual coverage alternatives.
Is equipped with a “diminishing deductible” feature that lowers your deductible by $50 for each year you go without filing a claim.	There is a 6-month waiting period before orthopedic conditions are covered, but if your pet has an orthopedic assessment after you buy the plan, the waiting time can be waived.
Many possibilities for deductibles.
The waiting period for accident coverage is only two days.
There is an option to include a wellness plan.
Included in the plan is a 24-hour pet telemedicine line.

3.3 Company Overview – Paw Protect United States (US)

Paw Protect offers an optional USD 5,000 interest-free line of credit for veterinary expenses and provides pet health insurance.

Company Type	Private, For Profit
Maximum annual coverage	$5,000, $10,000, Unlimited
Reimbursement choices	70%, 80%, 90%
Deductible choices	$100, $250, $500

3.4 Products &   Services – Paw Protect United States (US)

1. Pet Accident and Illness Insurance
2. Pet Accident-Only Insurance
3. Pet Insurance Add-Ons
4. Paw Protect “Paytient” Credit Line

3.5 Contact Details – Paw Protect United States (US)

You can contact the company through,

Phone Number	888-812-6704
Address	4530 Richmond Rd, Cleveland, OH 44128-5757
Email	[email protected]
Official Website	https://www.pawprotect.com/

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4. Embrace – United States (US)

4.1 Why Its Highly Recommended – Embrace United States (US)

Of the plans we reviewed, Embrace’s pet insurance plan received the top rating for coverage benefits. This package provides access to a 24-hour pet health line and pays for doctor visits. If your veterinarian performs an orthopedic exam after you acquire the policy, the 6-month waiting period for orthopedic issues may be waived.

4.2 Pros & Cons – Embrace United States (US)

Pros	Cons
Veterinary office visit costs for illnesses and accidents are covered.	Lacks a variety of deductible and annual coverage alternatives.
Comes with a “diminishing deductible” that drops by $50 for each year that no claims are paid.	There is a six-month waiting period before orthopedic conditions are covered, but this requirement can be removed if your pet receives an orthopedic examination after you buy a plan.
Simply a two-day waiting time for accident coverage.
Wellness program provided as an option.
Has a 24-hour telehealth line for pets.

4.3 Company Overview – Embrace United States (US)

Comprehensive pet insurance for cats and dogs across the US that offers first-rate customer support.

Year Founded	2003
Founders	Alex Krooglik, Laura Bennett
Company Type	Private, For Profit
Maximum annual coverage	$5,000, $8,000, $10,000, $15,000, unlimited
Reimbursement choices	70%, 80%, 90%
Deductible choices	$100 to $1,000

4.4 Products & Services – Embrace United States (US)

Dog Insurance Plan

Exam & consultation fees	Behavioral therapy
Diagnostic tests	Follow-up care, including rehabilitation
Procedures & treatments	Prosthetic limbs, devices, & mobility aids
Emergency & specialty care	Dental illness up to $1,000/year
Surgery & hospitalization	Prescription medications

Cat Insurance Plan

Consultation & exam fees	Complementary treatments & rehabilitation
Cancer treatments	Dental illness up to $1,000/year
Diagnostic testing	Prescription medications
ER & specialist care
Surgery & hospitalization

4.5 Contact Details – Embrace United States (US)

You can contact company through,

Phone Number	800-779-1539
Address	4530 Richmond Rd, Cleveland, OH 44128, United States
Email	[email protected]
Official Website	https://www.embracepetinsurance.com/

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5. Spot – United States (US)

5.1 Why Its Highly Recommended – Spot United States (US)

To help you fit pet insurance into your budget, Spot offers you a variety of methods to change your coverage levels. Be aware that although there are numerous options for annual limitations and deductibles, this is the same plan that the ASPCA offers.

5.2 Pros & Cons – Spot United States (US)

Pros	Cons
Available with a low $100 deductible.	The waiting period for accident coverage is 14 days, compared to just 1 or 2 days for some of the top competitors.
Veterinary office visit costs for illnesses and accidents are covered.
Pet microchips are covered.
10% multipet discount.
Wellness program provided as an option.
Has a 24-hour telehealth line for pets.

5.3 Company Overview – Spot United States (US)

Spot Pet Insurance offers digital pet insurance for dogs and cats.

Industries	Finance Insurance Pet
Founded Date	1822
Company Type	Private, For Profit
Maximum annual coverage	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, Unlimited
Reimbursement choices	70%, 80%, 90%
Deductible choices	$100, $250, $500, $750, $1,000

5.4 Products & Services – Spot United States (US)

Company provides services for cats and dogs. Following coverages are offered,

1. Accidents
2. Illnesses
3. Hereditary & Congenital Conditions
4. Behavioral Issues

5.5 Contact Details – Spot United States (US)

You can contact the company through,

Phone Number	1.800.905.1595
Address	West Palm Beach, Florida, United States
Email	[email protected]
Official Website	https://spotpetinsurance.ca/contact/

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6. Many Pets – United States (US)

6.1  Why Its Highly Recommended – Many Pets United States (US)

When you move from another pet insurance provider to Many Pets, the accident and illness waiting period is lowered to 24 hours, which is a special and valuable coverage benefit. If it’s offered in your state, it’s worth a look because of its extremely reasonable pricing.

6.2  Pros & Cons – Many Pets United States (US)

Pros	Cons
Lowest annual premiums for unlimited coverage among the businesses we considered.	No 24-hour pet telehealth service.
ManyPets offers reduced waiting periods for illnesses and accidents from 15 days to 24 hours for new clients.	Unlike a lot of other policies, does not cover pet behavioral treatment.
More than 40 states provide ManyPets.	Unlike many other plans, this one excludes alternative therapies.
Covers the cost of veterinarian visits for illness and accidents.
Offers a wellness plan that is optional.

6.3 Company Overview – Many Pets United States (US)

A company called Many Pets provides services for pet insurance.

Founded Date	Sep 10, 2012
Company Type	Private
Maximum annual coverage	Unlimited
Reimbursement choices	70% or 80% (in most states)
Deductible choices	$500 (in most states)

6.4 Products & Services – Many Pets United States (US)

Many pets offers following services,

1. Pet Insurance
2. Puppy Insurance
3. Dog Insurance
4. Older Dog Insurance
5. Kitten Insurance
6. Cat Insurance
7. Older Cat Insurance

6.5 Contact Details – Many Pets United States (US)

You can contact the company through,

Phone Number	+1 888-978-5291
Address	Unit 1b, 1-10 Summers Street, London EC1R 5BD.
Email	[email protected]
Official Website	https://manypets.com/us/pet-insurance/

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7. Lemonade – United States (US)

7.1 Why Its Highly Recommended – Lemonade United States (US)

Lemonade’s affordable pricing make it a good option to think about if you need pet insurance at a low monthly cost. It also promises the lowest puppy and kitten pet insurance premiums among the businesses we looked into. There are some items you’ll have to do without, like as a 24-hour vet helpline and the ability to cover the cost of a vet visit only with an add-on.

7.2 Pros & Cons – Lemonade United States (US)

Pros	Cons
Among the plans we examined, young pet prices were the lowest.	A six-month waiting period is required for cruciate ligament coverage.
Only a two-day waiting period applies to accident coverage.	Unlike top competitors who include exam fees in their standard policies, coverage for vet exam fees must be purchased separately.
Wellness program provided as an option.	No behavioral or complementary therapies are covered.
Has a live chat available for queries about pet health seven days a week from 6 a.m. to 12 a.m. EST.	There is no coverage for microchipping, prescription diet, or stem cell therapy.

7.3 Company Overview – Lemonade United States (US)

Digital insurance provider Lemonade employs behavioral economics and artificial intelligence.

Founded Date	2015
Founders	Daniel Schreiber, Shai Wininger
Maximum annual coverage	$5,000, $10,000, $20,000, $50,000, $100,000
Reimbursement choices	70%, 80%, 90%
Deductible choices	$100, $250, $500

7.4 Products &Services – Lemonade United States (US)

1. Pet Accident and Illness Insurance
2. Lemonade Pet Insurance Add-On
3. Behavioral conditions    
4. Dental illness
5. End-of-life and remembrance
6. Physical therapy

7.5 Contact Details – Lemonade United States (US)

You can contact the company through,

Phone Number	1-844-733-8666
Address	Greater New York Area, East Coast, Northeastern US
Email	[email protected]
Official Website	https://www.lemonade.com/pet

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8. Healthy Paws – United States (US)

8.1  Why Its Highly Recommended – Healthy Paws United States (US)

The best pet insurance for alternative therapies is Healthy Paws since it provides complimentary coverage for procedures including acupuncture, chiropractic care, hydrotherapy, physical therapy, laser therapy, and massage therapy.

8.2 Pros & Cons – Healthy Paws United States (US)

Pros	Cons
No incidental, yearly, or lifetime caps	Covering is insufficient for hip dysplasia
Quickly processing claims	No behavioral modification coverage
Direct payments are possible in specific circumstances.	Fewer possibilities for senior pets’ insurance

8.3  Company Overview – Healthy Paws United States (US)

Bellevue is home to the insurance brokerage firm Healthy Paws Pet Insurance.

Founded Date	Jan 1, 2009
Founders	Rob Jackson
Annual Maximum	Unlimited
Reimbursement Options	70%, 80% or 90%
Deductibles	$100, $200 or $500

8.4  Product & Services – Healthy Paws United States

Pet insurance plans,

1. Dog and Puppy Insurance
2. Cat and Kitten Insurance

Coverages Include,

1. Illness & Accidents
2. Hereditary & Congenital Conditions
3. Cancer Coverage
4. Chronic Conditions
5. Emergency & Specialty Hospitals
6. Alternative Care
7. Hip Dysplasia
8. Cost of Pet Health Care

8.5  Contact Details – Healthy Paws United States (US)

You can contact the company through,

Phone Number	855- 898-8991
Address	11120 NE 33rd Pl, Bellevue, WA 98004, United States
Email	[email protected]
Official Website	https://www.healthypawspetinsurance.com/

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9. Pumpkin – United States (US)

9.1  Why Its Highly Recommended – Pumpkin United States (US)

Pumpkin offers a good choice of coverage options for a variety of pet issues and medical costs, such as doctor visits, operations, and dental conditions. With concerns like cruciate ligament difficulties or hip dysplasia, there is no prolonged waiting period.

9.2  Pros & Cons – Pumpkin United States (US)

Pros	Cons
Bundles of preventative care for the unique requirements of puppies and kittens	Young pets pay higher-than-average premiums
There is no maximum age.	Transaction costs for payments made on a monthly, quarterly, or semi-annual basis
For all disorders, including knee and hip dysplasia, a brief (14-day) waiting period

9.3 Company Overview – Pumpkin United States (US)

A company called Pumpkin offers both pet insurance and preventive care for animals.

Industries	Health Care
Headquarters Regions	Greater New York Area, East Coast, Northeastern US
Maximum annual coverage	$10,000, $20,000, Unlimited
Reimbursement choices	90%
Deductible choices	$100, $250, $500

9.4  Products & Services – Pumpkin United States (US)

Company provides services for the following,

1. Dog Insurance Plans
2. Puppy Insurance Plans
3. Cat Insurance Plans
4. Kitten Insurance Plans

9.5  Contact Details – Pumpkin United States (US)

You can contact company through,

Phone Number	866 -273-6369
Address	432 Park Ave S FL12, New York, NY 10016, United States
Email	[email protected]
Official Website	https://www.pumpkin.care/

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10. Figo – United States (US)

10.1 Why Its Highly Recommended – Figo United States (US)

You may stay within your budget by using Figo’s extensive selection of coverage, reimbursement, and deductible options. The waiting period for accident coverage is just one day.

10.2  Pros & Cons – Figo United States (US)

Pros	Cons
No yearly cap on reimbursement of up to 100%	If the pet enrolls after its second birthday, there is no coverage for hereditary conditions.
No maximum age for enrollment	Low payout thresholds for wellness plans
Low-deductible alternatives	Physical treatment and exam fee coverage require their own separate riders.
Free 24-hour animal clinic
Accident waiting period of one day

10.3  Company Overview – Figo United States (US)

The cloud-based pet insurance platform created by Figo Pet Insurance is intended to offer pet healthcare services.

Founded Date	2013
Founders	Rusty Sproat
Maximum annual coverage	$5,000, $10,000, Unlimited
Reimbursement choices	70%, 80%, 90%, 100%
Deductible choices	$100, $250, $500, $750

10.4  Products & Services – Figo United States (US)

Company provides,

1. Dog Insurance
2. Cat Insurance

Coverages offered by the company are

1. Common Illnesses
2. Accidents and Emergencies
3. Wellness and Preventative Care
4. Hereditary and Congenital Disorders
5. Cancer

10.5  Contact Details – Figo United States (US)

You can contact company through,

Phone Number	844-738-3446
Address	223 W Erie St, Chicago, IL 60654, United States
Email	[email protected]
Official Website	https://figopetinsurance.com/coverage

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11. Pets Bets – United States (US)

11.1  Why Its Highly Recommended – Pets Bets United States (US)

Pets Best offers fair pricing and excellent coverage. You can plan for potential claims because to the variety of deductible options available.

11.2  Pros & Cons – Pets Bets United States (US)

Pros	Cons
A wide variety of deductible options.	Cruciate ligament problems have a six-month waiting period before receiving coverage.
Merely a three-day waiting period for accident coverage.	Unlike many other plans, this one excludes alternative therapies.
If the vet approves, you can have them pay you directly rather than having to pay them first and wait for reimbursement.
5% per pet off for multiple pets.
Regular wellness programs are offered.
Has a 24-hour telehealth line for pets.

11.3  Company Overview – Pets Bets United States (US)

In the event that an insured pet becomes ill or is harmed, Pets Best Insurance will pay the veterinary bills.

Founded Date	2005
Founders	Greg McDonald, Jack Stephens
Maximum annual coverage	$5,000, Unlimited
Reimbursement choices	70%, 80%, 90%
Deductible choices	$50, $100, $200, $250, $500, $1,000

11.4  Products & Services – Pets Bets United States (US)

Pets Bets offer services for,

1. Dog & Puppy Insurance
2. Cat & Kitten Insurance

Coverages include,

1. Pet accident and illness insurance
2. Pet Accident-Only Insurance
3. Pet Insurance Add-Ons

11.5  Contact Details – Pets Bets United States (US)

You can contact company through,

Phone Number	1-877-738-7237
Address	Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277
Email	[email protected]
Official Website	https://www.petsbest.com/coverage

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12. Trupanion – United States (US)

12.1 Why Its Highly Recommended – Trupanion United States (US)

With Trupanion pet insurance, you can stay within your budget thanks to its unlimited annual coverage, zero deductible, and flexible reimbursement options. A 24/7 pet health line and wellness coverage are not included in the plan, unlike what other insurers offer, but it does pay your veterinarian directly if they use Trupanion’s software.

12.2 Pros & Cons – Trupanion United States (US)

Pros	Cons
Zero deductibles.	Some insurers give shorter intervals before your coverage takes effect, while others offer a 12-day delay.
Various possibilities for reimbursement levels, from 50% to 100%.	Doesn’t pay for vet visits.
As your pet ages, your pet insurance doesn’t go up.	There is no coverage for normal medical care.
If your veterinarian uses Troponin’s software, pays them directly.
There is no waiting time for conditions like hip dysplasia and cruciate ligament disorders.

12.3 Company Overview – Trupanion United States (US)

Darryl Rawlings founded Trupanion in 1998 to provide pet insurance to pet owners in three countries and Puerto Rico. The company offers accident and illness coverage through its website and phone, collaborating with employers, veterinary clinics, and shelters.

Year Founded	2000
Maximum annual coverage	Unlimited
Reimbursement choices	50% to 100%
Deductible choices	No deductible

12.4 Products & Services – Trupanion United States (US)

Company provide services for

1. Pet Insurance
2. Dog Insurance
3. Cat Insurance

Coverages provided are,

1. Hereditary & congenital conditions
2. Illnesses & injuries
3. And much more (x-rays, Therapies, medications)

12.5 Contact Details – Trupanion United States (US)

You can contact the company through,

Phone Number	888.733.2685
Address	6100 Fourth Avenue South Suite 200 Seattle, WA 98108 USA
Email	[email protected]
Official Website	https://www.trupanion.com/

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13. FAQs – Pet Insurance United States (US)

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