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As a relatively new form of insurance, the first policy issued in 1982, pet insurance is not as well understood as other types such as homeowners, renters, or life insurance. For our unbiased rating of the Best Pet Insurance Companies of 2022, we researched 24 pet insurance companies to arrive at our final list of 10 companies. This guide will help you choose the best policy for your pet by explaining how pet insurance works, what it does and doesn’t cover, as well as what factors will affect the price of a policy.

Our Best Pet Insurance Companies Rating
#1 Spot
#2 Lemonade
#3 Trupanion
#3 Embrace
#5 Pets Best
#5 Healthy Paws
#7 Nationwide
#8 ASPCA Pet Health Insurance
#9 Figo
#9 Fetch by The Dodo
Anyone who has ever taken a sick or injured pet to the vet knows how expensive veterinary care can be. It’s in those situations where having a financial safety net to fall back on can be most helpful. It’s also in those situations where you shouldn’t have to decide between the health of your pet and your family’s financial well-being.

Compare the Best Pet Insurance Companies of 2022
PROVIDER MAXIMUM ENROLL AGE (YO) MONEY BACK GUARANTEE LEARN MORE
Spot »
4.1
U.S. News Rating
No Limit 30 days Get A Quote »
Lemonade »
4.0
U.S. News Rating
14 30 days Get A Quote »
Trupanion »
3.9
U.S. News Rating
13 30 days* Get A Quote »
Embrace »
3.9
U.S. News Rating
14 30 days Get A Quote »
Pets Best »
3.8
U.S. News Rating
No Limit 30 days Get A Quote »

Expand List
* Trupanion offers a 30-day trial period if the pet owners signed up within 24 hours after their pet’s vet exam. ** Nationwide’s Major Medical plan has an enrollment age limit of 10 years, whereas pets older than 10 can still enroll in its Whole Pet plan.
Best Pet Insurance Companies in Detail
Spot »
Spot
Get A Quote
4.1
U.S. News Rating
SAMPLE PREMIUM FOR DOGS
$36.54
SAMPLE PREMIUM FOR CATS
$16.51
APP AVAILABLE
Yes
SEE REVIEW
Any rates listed are for illustrative purposes only. You should contact the insurance company or insurance agent directly for applicable quotes.

Pros:

Option for unlimited coverage

Exam fee reimbursement for covered conditions

Both accident and illness and accident-only policies available

Cons:

Claims forms need to be filled out and submitted online

Only covers cats and dogs

Spot
Spot Pet Insurance review: Spot is No. 1 among companies we researched based on factors such as its option for unlimited coverage and the availability of policies for cats and dogs that cover both accident and illness, as well as accident-only policies. One potential downside is that when submitting claims, filling out claims forms is required.

Coverage and costs: Exam fees for select conditions are covered by Spot’s policies. This is an additional charge with some of the providers in our ratings. Policies come with annual deductibles that must be met before reimbursement for expenses kicks in. Annual coverage limits also apply, but when building your policy, you will have the option to select unlimited annual coverage.

Our sample policy, using a common set of factors applied to all companies reviewed, showed a monthly cost of $36.54 for dogs and $16.51 for cats with Spot Pet Insurance coverage. Actual prices will vary based on a number of factors, including coverage options chosen.

Customizations: Annual wellness exam coverage can be purchased, at an additional fee, in the form of a preventive care package that comes in two levels: Gold and Platinum.

Read more in our Spot pet insurance review.

Lemonade »
Lemonade
Get A Quote
Three Wellness Plans Available

4.0
U.S. News Rating
SAMPLE PREMIUM FOR DOGS
$19.44
SAMPLE PREMIUM FOR CATS
$11.00
APP AVAILABLE
Yes
SEE REVIEW
Any rates listed are for illustrative purposes only. You should contact the insurance company or insurance agent directly for applicable quotes.

Pros:

Cheapest pet insurance company in our rating

Three wellness plans available

Offers several types of discounts

Cons:

Not available in 15 states

Only covers cats and dogs

Lemonade
Lemonade pet insurance review: Lemonade provides accident and illness coverage for cats and dogs. In addition to being the least expensive company on average in our rating, Lemonade’s two-day waiting period for accidents tied with Embrace as the shortest waiting period among companies reviewed. One of the downsides is that Lemonade coverage is not available nationwide. There are 15 states where you cannot get its pet insurance policies.

Coverage and costs: Lemonade offers a basic policy that can be modified with various packages and add-ons. The basic policy covers medical care or treatments for your cat or dog’s illnesses, including cancer, or injuries.

A sample policy using a common set of factors applied to all companies reviewed showed a monthly cost of $19.44 for dogs and $11 for cats with Lemonade Pet Insurance coverage. Actual prices will vary based on a number of factors, including coverage options chosen.

Customizations: Lemonade provides a number of options that can be added to its standard policies. These include three different wellness plans as well as an enhanced accident/illness plan that provides reimbursement for vet exams for covered conditions.

Read more in our Lemonade pet insurance review.

Trupanion »
Trupanion
Get A Quote
No Coverage Limits

3.9
U.S. News Rating
SAMPLE PREMIUM FOR DOGS
$70.12*
SAMPLE PREMIUM FOR CATS
$30.88*
APP AVAILABLE
Yes
SEE REVIEW
Any rates listed are for illustrative purposes only. You should contact the insurance company or insurance agent directly for applicable quotes.

Pros:

No coverage limits

Five-day waiting period for injuries

Covers breed-specific and congenital conditions

Cons:

30-day waiting period for illnesses

Only insures cats and dogs

No coverage for exam fees

Trupanion
Trupanion pet insurance review: Trupanion provides accident and illness coverage for cats and dogs. The company’s five-day waiting period for accidents is shorter than most of the companies in our rating, but it has a 30-day waiting period for illnesses.

Coverage and costs: The plan includes coverage for congenital and breed-specific conditions if no symptoms were present before the coverage began or during the policy’s waiting period. One of Trupanion’s standout features is its lack of coverage limits. For covered conditions you won’t have to worry about hitting a limit for expensive care. One downside is that it doesn’t reimburse veterinary exam fees, even for covered conditions.

A sample policy using common factors applied to all companies reviewed showed a monthly cost of $70.12 for dogs and $30.88 for cats with Trupanion Pet Insurance coverage (Deductible is lifetime incident). Actual prices will vary based on a number of factors, including coverage options chosen.

Customizations: Add-ons are available, including Complementary and Recovery Care, which includes coverage for services like acupuncture, behavioral therapy, and chiropractic and rehabilitative therapy. The Pet Owner Assistance add-on can cover boarding fees if you are hospitalized, as well as unintentional property damage caused by your pet, and advertising fees or a reward if your pet is lost or stolen.

Mã giảm giá từ 30 đến 70% Shopee tháng 12/2022
Mã giảm giá từ 30 đến 70% Lazada tháng 12/2022