Best Pet Insurance Companies

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Why We Chose It: Pet Assure may not save you as much as a pet insurance policy, but its low price, lack of waiting times, and unlimited use make it the best overall.

Pet Assure was founded in 1995 by a pet owner whose pet insurance denied a $3,000 hip surgery for his dog. The company offers a 25% discount on most vet services regardless of breed, age, or condition making it the best pet coverage overall. Pet Assure receives high ratings from third-party review sites due to its ease of use and excellent customer service.

Pet Assure offers a flat 25% discount on vet medical services, including vaccines, teeth cleaning, checkups, parasite screenings, ER visits, surgeries, and more. Animals of any age and pre-existing conditions are eligible and there’s no limit as to how often you can use your card. Unlike pet insurance which typically only covers cats and dogs, Pet Assure can be used for rabbits, turtles, sugar gliders, horses, farm animals, and even llamas.  

Pet Assure does have a few restrictions, however. Services must be performed in-house by the participating vet and can’t be outsourced to a specialist. Although over 5,000 practices accept Pet Assure, your choice of providers may be limited. Pet Assure also won’t discount medications, prescription food, or non-medical services, like boarding and routine grooming. 

Pet Assure offers monthly or annual pricing based on the size of the animal, how many are covered, and where you live. 

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Why We Chose It: PetFirst provides affordable pet insurance for dogs and cats plus additional routine care coverage for preventative pet care. Its add-on wellness rider offers five tiers of coverage limits to suit any budget.

Founded in 2004, PetFirst provides pet insurance for cat and dog owners in the U.S. and has a strong commitment to supporting humane societies and shelters. The company also offers five wellness plans to meet any budget making it the best choice for routine care. 

PetFirst makes it easy to build a policy online and adjust coverage, deductibles, and reimbursements until you find the plan you want. Its accident and illness policies are accepted at any licensed vet, emergency animal, and specialist in the U.S.

PetFirst also offers a paid Routine Care Coverage rider that can be added to any policy. The company has five plans with set reimbursement per service based on the plan you choose and annual coverage limits of $125, $250, $365, $400, and $575. The company also offers discounts for multiple pets and for every year you go without filing a claim.

Although you will need to use PetFirst’s online quote builder to get accurate pricing, we found that it cost between $7 to $40 per to add routine care coverage depending on the plan, type of pet, and age of the animal. The chart below shows how much PetFirst will pay for certain services based on each plan:

PetFirst gets mixed reviews on third-party sites, with customers complaining about poor customer service and sudden increases in premiums. The company’s policies are underwritten by Independence American Insurance Company which has an A- rating for financial stability from AM Best. 

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Why We Chose It: USAA offers pet insurance to its members through Embrace Pet Insurance with discounts up to 25% and additional wellness coverage.

USAA is best known for partnering with companies to offer discounts on banking, insurance, and investment solutions for military families. Through its partnership with Embrace Pet Insurance, USAA offers its members pet insurance and routine care coverage at 15% off Embrace’s normal premiums. You also get 10% off for insuring multiple pets and a 10% discount if your employer offers Embrace Pet Insurance as a benefit. 

Use the online quote generator to get an estimate of how much a policy for your pet will cost. 

USAA also offers a Wellness Rewards program that acts like a flexible spending account (FSA), allowing you to put money aside for routine pet health care, including medications and prescription food. Start by choosing an annual limit of $250, $450, or $650, then divide that amount by 12 to see how much you’ll pay every month. 

Embrace gets mixed reviews from third-party sites. While some customers complain that the company has too many plans exclusions, others praise its fast and friendly customer service and claims process. Embrace’s policies are underwritten by American Modern Insurance Group which has an A- rating from AM Best.  

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Why We Chose It: The American Society for the Prevention of Cruelty to Animals (ASPCA) offers a 10% discount for each additional pet you insure.

Established in 1866 to foster animal welfare, the ASPCA has been offering health insurance through Hartville Pet Insurance Group since 2005. In addition to affordable policies and an optional wellness rider, the company also offers a 10% discount for each pet you insure, making it the best choice for multiple pets. 

Although ASPCA’s premiums are in line with many other providers, its optional wellness coverage is more affordable than most. Its Basic Preventative Care plan costs just $9.95 per month and has an annual limit of $250. You can also choose the Premium Preventative Care plan for $24.05 per month with an annual limit of $450. 

Use the company’s online quote estimator to find out how much a policy will cost for your pet.

Note that, in addition to offering 10% off each additional pet you insure, ASPCA will refund 100% of your paid premiums if you cancel your policy within 30 days and weren’t reimbursed for any claims.  

Hartville’s consumer ratings are mixed. Although some customers claim that it can take a long time to get reimbursed for claims, others praise the company’s friendly and helpful customer service. Hartville’s policies are underwritten by United States Fire Insurance Company which has an A rating from AM Best.     

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Why We Chose It: Hartville will never drop or reduce coverage due to a pet’s age or illness.

Founded in 1997, Hartville Pet Insurance is the only pet insurer to partner with the ASPCA. Unlike other companies that have age limits or force older pets into an accident-only policy, Hartville will never drop your coverage due to age or illness making it the best choice for older pets.  

In addition to pet insurance, Hartville offers optional wellness plans that offer fixed reimbursement for certain preventative pet care services. You can choose between the Basic Preventative Care plan with $250 in annual coverage or the Premium Preventative Care plan with $450 in annual coverage. Use the online quote generator to get an estimated cost for your policy.

Although Hartville covers animals of any age, you will see your premiums rise and your pet gets older. Hartville does cover end-of-life expenses, however, and offers a 10% discount for each additional pet you insure.

Hartville’s consumer ratings are mixed, with some customers complaining of unclear policy exclusions and slow reimbursement payouts. Conversely, satisfied customers praised Hartville’s fast claims and customer service. Hartville’s pet insurance policies are underwritten by United States Fire Insurance Company which has an A rating from AM Best

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Why We Chose It: 24PetWatch provides pet insurance with optional preventative care coverage for cats and dogs and it offers continual coverage for chronic conditions.

24PetWatch offers pet insurance policies and wellness plans for cats and dogs that include reimbursement for boarding and lost pet recovery fees. The company also offers continual coverage for chronic conditions making it our choice as the best insurance for chronic conditions.     

24PetWatch offers much more generous waiting periods than most other pet insurers, requiring you to wait just 24 hours to make an accident claim and 14 days for illnesses. The company also offers coverage for the common illnesses on the third day following enrollment:

• Ear and eye illnesses
• Intestinal parasites
• Upper respiratory tract infection
• Urinary tract infection
• Mange/mites/ringworm
• Parvovirus/feline panleukopenia
• Tick-borne and heartworm diseases

As noted, 24PetWatch offers continual coverage for chronic conditions that result from an accident or illness provided they are not pre-existing or occur during your waiting period. Chronic conditions are covered up to your policy’s maximum annual payout each year.

24PetWatch also offers optional wellness care coverage that reimburses you for preventative pet care: a Routine plan with $200 in annual coverage and an Advanced plan with $400 in annual coverage. Both offer fixed reimbursement rates for certain wellness services.  

Like many of the other companies, you can get an estimated quote using the online quote generator.

24PetWatch gets average ratings on many customer review sites. Complaints typically involve difficulty canceling their policies and being enrolled for a free trial without knowledge after adopting a pet from a shelter. Positive reviews tend to focus on the company’s fast and easy claim process and excellent customer service.      

24PetWatch’s pet insurance policies are underwritten by Crum & Forster, a property and casualty insurer with an A rating from AM Best.

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Why We Chose It: GEICO is our choice as the best for discounts because it offers multiple discounts that can be stacked up to take 25% off of your premiums.

A household name in car insurance, GEICO offers pet insurance for dogs and cats through a partnership with Embrace Pet Insurance. The company offers customizable pet insurance plans and wellness coverage plus the ability to stack up to 25% in discounts, making it the best choice of pet insurance for discounts.

GEICO also offers an add-on Wellness Rewards for Routine Care plan that reimburses you for most preventative care services (routine veterinary visits, grooming, parasite medications, vaccination, etc.) up to the annual limit you choose: $250, $450, or $650. The plan acts more like an FSA than insurance, requiring you to pay your annual limit divided by 12 each month. For example, $450 of coverage will cost $37.50 each month. 

GEICO also offers some of the most generous discounts we’ve found so far, including a 10% discount for covering two or more pets, a 10% discount if your employer offers Embrace Pet Insurance as a benefit, and a 5% discount for active and previous military members. Most states will let you stack these discounts up to a total of 25%.

You can also save $12 if you pay for your policy for the year upfront and the $25 admin fee will also be waived. GEICO also offers a healthy pet discount, reducing your annual deductible by $50 for every year you don’t file a claim. 

To get an estimate for your plan, use the online quote estimator. 

Customer reviews on third-party sites for Embrace are mixed, with most complaints about exclusions and delays in reimbursements. Happy customers cite the company’s ease of use and fast and friendly customer service.          

Embrace’s pet insurance policies are underwritten by American Modern Insurance Group which has an A- rating from AM Best. 

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Why We Chose It: Embrace offers pet insurance for cats and dogs with transparent pricing and customizable policies that include prescriptions and homeopathic and dental treatments, giving you a wider range of covered treatment options.

After receiving capital funding by winning the 2003 Wharton Business Plan Competition, Embrace Pet Insurance sold its first pet insurance policy in 2006. The company offers policies that cover more treatments than most other providers, including prescriptions and homeopathic and dental treatments, so you have more options to treat your pet in emergencies.        

Embrace also offers an additional Wellness Rewards program that lets you set aside a specific budget similar to an FSA for routine wellness and preventative care. Once you choose your annual limit of $250, $450, or $650, divide that amount by 12 to determine your monthly payment. For example, $450 worth of coverage would cost $37.50 per month.

You can get a quote for your policy using the online quote generator.

Embrace also offers a variety of stackable discounts, including 10% for covering two or more pets, 5% for members of the military, and 10% if your employer offers Embrace Pet Insurance as a voluntary benefit.

Embrace also features a vanishing deductible that lowers your annual deductible by $50 for every year you go without a claim. You can also save $12 by paying your premiums upfront for the year and get the $25 admin fee waived.

Customer reviews for Embrace are mixed, with complaints typically involving confusion with exclusions for pre-existing conditions. Pleased customers praise the company’s fast claims and friendly customer service. Embrace’s pet insurance policies are underwritten by American Modern Insurance Group which has an A- rating from AM Best.

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Why We Chose It: Figo combines pet insurance with technology to create an easy-to-use platform and community resources for pet owners. Although it doesn't offer wellness plans or discounts, the company covers acupuncture and chiropractic care.

Figo was founded in 2015 and leverages technology to build an online network that lets pet owners find one another, discover pet services, and access veterinarians online at any time. Where other companies stick to FDA-approved treatments, Figo offers coverage for acupuncture and chiropractic care, making it our choice as the best for holistic care.

Although Figo doesn’t offer coverage for routine and preventive care, its generous accident and illness policies include coverage for prescriptions, specialists, behavioral treatments, and even euthanasia and cremation. Best of all, the company will reimburse you for acupuncture and chiropractic treatments performed by a licensed veterinarian. 

Figo also offers a social platform you can use to chat, share photos, and plan pet playdates with other pet owners. The app can also locate pet parks, pet daycare, hikes and trails, pet-friendly restaurants, dog walkers, and more. 

Visit the website to get an online estimated quote for your policy.

Figo gets high marks on most third-party review sites with customers lauding the company’s fast claims process and excellent customer service. The few complaints involve the company raising premiums for aging pets, a practice common with pet insurers.     

Figo’s policies are underwritten by Independence American Insurance Company (AM Best rating of A-), Markel American Insurance Company (AM Best rating of A), and Markel Insurance Company (AM Best rating of A).