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The Best Pet Insurance

Barret WilliamsNovember 21, 2021

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The Best Pet Insurance


Buying pet insurance can feel like a daunting task. No one likes dealing with insurance, but it's important to make sure you can pay for your pet's medical expenses if they are ever in an accident or develop an illness.

Not all pet insurance policies are created equally, though. You want to be sure the policy you choose will cover you at the vet of your choice. You'll also want to be sure your policy covers the type of expenses you expect to incur. For example, pet maintenance like optional teeth cleanings often require an add-on to your main policy.

Find the top pet insurance policies we've reviewed below.


Pets Best

4.8 / 5 Stars

Best for Flexible Plans
- 4.8 / 5 Stars - Best for Flexible Plans

Pets Best offers flexible plans to help you find the right one for your budget. Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment.

Get a Quote
At Pets Best Website

  • Coverage Types: Cats, Dogs
  • Coverage Caps: $5k-Unlimited
  • Deductibles: $50-$1k
  • Accident Only Insurance Available: Yes
  • Multi-pet Discount: Yes, 5%
  • Comprehensive coverage at affordable prices
  • Choice of deductibles from $50 to $1000
  • Three reimbursement levels: 70%, 80%, and 90%
  • No upper age limit on enrollment
  • Choose $5000 annual or unlimited benefits
  • 24/7 veterinary support line for all customers

Pets Best offers a variety of price points to help you find a coverage plan that meets your budget. With multiple deductible options, three reimbursement levels and flexible annual benefit caps, you can build a plan that makes sense for your fur family. Quotes can be completed online in minutes.

Read our Pets Best Review.



Embrace Pet Insurance

4.8 / 5 Stars

Best for online user experience and for pets with curable pre existing conditions.
- 4.8 / 5 Stars - Best for online user experience and for pets with curable pre existing conditions.

Embrace has built an award winning online platform for managing your pet’s health needs.

Get a Quote
At Embrace's Website

  • Coverage Types: Cat, Dog, Curable Pre Existing conditions
  • Size of Network: National
  • Waiting period: 14-day waiting period for illnesses, accidents are 48 hours. 6-months for orthopedic conditions without a waiver.
  • Multi-pet Discount: 10%
  • Coverage designed to protect your pet in sickness and in health
  • Add-on routine care packages are available for wellness checkups, spay or neuter surgery, grooming and more
  • Policyholders get access to an exclusive pet health line that provides real-time guidance on everything from emergency care to diet and exercise. 
  • Diminishing deductible - each year you don't receive a claim payment, your deductible is decreased by $50
  • Embrace distinguishes between curable and incurable conditions and can offer coverage for curable conditions after your pet is symptom-free for 12 months

Embrace Pet Insurance offers an array of products that should meet the needs of many pet owners. The online experience is clean and user-friendly. Policyholder reviews of the service are generally positive, however, users have reported higher pricing than some competing products. The ability to insure an older pet, secure coverage for an at-risk purebred pet, or insure a pet with a pre-existing condition that has been cured and not shown symptoms for at least 12 months  may make a higher cost policy worth considering for some pet parents.

Read our Embrace Pet Insurance Review.



Lemonade Pet Insurance

4.9 / 5 Stars

Best for Bundling Discounts
- 4.9 / 5 Stars - Best for Bundling Discounts

Bundle your auto, home or renters insurance for additional discounts.

Get a Quote
At Lemonade's Website

  • Dog and Cat insurance. Baseline accident and illness coverage with add-ons for preventative care and wellness
  • Any licensed veterinarian is eligible. No network restrictions
  • Waiting periods: 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events
  • Discounts for multi policy households
  • America’s top-rated insurance, now for cats and dogs
  • Hassle-free digital experience. Lightning fast claims payment. Powered by AI.
  • Sign up in seconds. Get paid in minutes. Award-winning service.

Lemonade is shaking up the insurance industry with their easy-to-use pet insurance product. Offering a range of coverage levels for both dogs and cats, Lemonade may be a good fit for existing customers or pet owners looking to snag a competitive quote.

Read our Lemonade Pet Insurance Review.



Wagmo Pet Insurance

4.8 / 5 Stars

Best for Pet Health Maintenance
- 4.8 / 5 Stars - Best for Pet Health Maintenance

Wagmo offers policies to help maintain your pet's health over time.

Get a Quote
At Wagmo's Website

  • Coverage Types: Dog, Cat
  • Size of Network: Nationwide for wellness plans. Limited states for emergency insurance
  • Waiting Period: 15 days in most cases. 30 days for cancer
  • Multi-pet Discount: 5%
  • Wagmo allows you to customize your coverage, so you can get to a price point that works with your budget.
  • Wagmo is accepted at all vets across the U.S.
  • Wagmo offers both Pet Wellness and Pet Insurance plans. Pick only what is best for your pet.
  • Get reimbursed fast. Wagmo reimburses customers for expenses right away via Venmo, PayPal, and more!

Wagmo earns top marks for its reimbursement process, online experience and highly rated customer service.  Offering both traditional emergency pet insurance (based on your state) and a standalone wellness plan that can help maintain your pet’s health over time, we love the unique flexibility offered by Wagmo’s policies. Plan pricing is competitive with the market and the claims process is reported to be a breeze. The only negative on our radar is that pre-existing issues are not covered. 

Read our Wagmo Pet Insurance Review.



PetInsuranceQuotes.com

5 / 5 Stars

Best Pet Insurance Aggregator
- 5 / 5 Stars - Best Pet Insurance Aggregator

Compare policies from multiple pet insurers at the once to find the right policy for you.

Get a Quote
At PetInsuranceQuotes.com's Website

  • PetInsuranceQuotes.com doesn't offer insurance, but they are a tool that allows you to compare personalized pet insurance quotes
  • Enter your pet's information once and get access to multiple quotes from popular brands like Trupanion, Embrace, and Pets Best
  • Compare offers and get the policy that is right for you
  • Tell PetInsuranceQuotes.com about your pet
  • Get product recommendations based on your pet's breed and age
  • Compare offers from multiple pet insurance companies
  • Enroll in the policy that works best for your pet

If you're unsure of where to start your pet insurance search, one good option is to use a comparison service that will provide you with multiple real time quotes for insurance. The process is simple - provide your pet's information, and PetInsuranceQuotes.com will send that along to multiple pet insurance providers and get back to you with quotes. From there, you'll be able to compare prices and policy coverage to find the offer that works best for you. 

Read our PetInsuranceQuotes.com Review.




Summary of The Best Pet Insurance

Top 5 Best Pet Insurance Companies

(Swipe table to see more)
ProductRatingWhy?
Pets Best
4.8 / 5
Best for Flexible Plans
Embrace Pet Insurance
4.8 / 5
Best for online user experience and for pets with curable pre existing conditions.
Lemonade Pet Insurance
4.9 / 5
Best for Bundling Discounts
Wagmo Pet Insurance
4.8 / 5
Best for Pet Health Maintenance
PetInsuranceQuotes.com
5 / 5
Best Pet Insurance Aggregator

How to Choose the Best Pet Insurance Policy


When considering a pet insurance policy, you should ask yourself the following questions:

  1. How much do I expect to pay in pet expenses this year?  Insurance is meant to protect you against unknown loss, but you want to make sure you're not throwing buckets of money at a pet insurance policy that covers items you don't expect to pay for.  For example, if your primary concern is covering your pet in the event of an injury resulting from an accident, a basic plan is likely sufficient for your needs.
  2. What vet can I use? This one is important. Make sure the policy you choose has a vet network in your area. If you're uncomfortable selecting a new vet, make sure your policy has an open network. Lemonade is a good example of a company that will reimburse expenses incurred at any vet.
  3. How much can I afford to pay? Go into reviewing your quotes with a budget in mind. If you can't maintain the monthly payments associated with cover, you may need to make sure your expectations are aligned with the type of coverage you can get. 

Methodology


When reviewing pet insurance companies, we considered the following factors:

  1. Cost
  2. Access to vet care
  3. User reviews and experience
  4. Multi-pet discounts
  5. Time in business

 



FAQs


Why do I need pet insurance?

There are certainly cases when pet insurance isn't necessary for your specific pet(s), but the benefits often outweigh the negatives. Like humans, pets unfortunately age and are likely to have health issues over time. Having a plan for when your pet inevitably gets sick will help give you peace of mind, and hopefully, help prevent budget nightmares later.

Who should get pet insurance?

If you have a pet, some form of pet insurance is likely a good idea. This is especially true if you're not particularly good at budgeting and saving for large unknown expenses. Pet insurance can help reduce your risk of not being able to pay for a vet bill if your pet is ever injured or becomes ill. 

What does pet insurance cover?

Pet insurance is designed to help you cover veterinary costs for unexpected illnesses, accidents or injuries that may occur. Pet insurance can be as stripped down as only covering accidents, or as full service as helping to cover grooming. Many companies offer customizable policies to meet the needs of your budget. Keep in mind that most pet insurance policies do not cover preexisting conditions and have waiting periods after you start a new policy.



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