Home » Top 20 Best Pet Insurance Companies ( Updated 2022) – Techlion

Top 20 Best Pet Insurance Companies ( Updated 2022) – Techlion

by Julia
pet insurance

With many policies covering up to 90% of your vet fees, pet insurance may help you pay for your pet’s medical treatment. To assist you in choosing the one that best meets your needs, our evaluations compare the top pet insurance companies.

Our guide section outlines how pet insurance works, what procedures are often not covered by providers, and how to pick the correct coverage should you need additional information before reading the reviews. We also explain important parts of your insurance, such as your premiums, the types of coverage you have, and the limits on how much you can pay.

Top 20 Best Pet Insurance Companies In 2022

Here is the list of the best insurance companies for your pets.

#1. Spot


Why Spot? Spot is the finest pet insurance for limitless coverage, which is why we chose it. It is especially well suited for pet owners who need coverage that optimises their level of comfort regarding their pet’s health. Spot is a good option for older pets as there is no age restriction on its coverage (of course, such comprehensiveness comes at a cost, as choosing low or no co-payments and a modest deductible do tend to push up the cost of any insurance policy, regardless of the business).


  • Deductibles begin at $100.
  • Available with unlimited yearly coverage.
  • This includes complementary treatments like acupuncture and hydrotherapy.
  • There is no maximum age.


  • Young pets pay higher-than-average premiums.
  • limited covering of the knee and ligaments (bilateral condition policies).
  • No customer support is offered on weekends.

#2. Pumpkin

Why Pumpkin? Because it provides a lot for a very little price, Pumpkin is our choice for the best pet insurance for puppies and kittens. It offers a wide range of junior animal-specific insurance and non-insurance preventative care alternatives at a reasonable price.


  • There is no maximum age.
  • includes meals on prescription
  • For all disorders, including knee and hip dysplasia, a brief (14-day) waiting period
  • a thirty-day money-back promise.
  • The limits of insurance start at $10,000 for dogs and $7,000 for cats, with choices for infinite amounts.


  • There are no movable reimbursement thresholds.
  • Few (and low) options for deductibles (ranging from $100 to $500, which could make the cost of insurance coverage go up).

#3. HealthyPaws


Why we chose HealthyPaws: While most pet insurance companies do not cover alternative therapies, HealthyPaws does, as long as they are prescribed and carried out by a licenced veterinarian. These treatments include acupuncture, chiropractic care, hydrotherapy, physical therapy, laser therapy, and massage therapy.


  • No incidental, yearly, or lifetime caps.
  • Claims are processed quickly.
  • It covers alternate treatment for illnesses that have been diagnosed.
  • Direct payments are possible in specific circumstances.


  • Hip dysplasia is not covered for dogs that are signed up after they are six years old.
  • There is only one type of insurance available.
  • No prescription food coverage.
  • fewer possibilities for older dogs’ insurance
  • Exams in the office are not covered.




We chose the ASPCA because it offers the best pet insurance for inherited or congenital ailments. It does not exclude coverage for certain conditions if you enrol your pet beyond a particular age, in contrast to some other firms. Thanks to the brief 14-day waiting time, your pet will be completely insured (and rather fast, too).


  • Unparalleled protection against genetic and congenital disorders
  • There is no maximum age for enrollment.
  • After 180 days, treatable pre-existing diseases are covered.
  • Microchipping and stem cell treatment


  • The processing time might take up to 30 days, he warns.
  • Transaction fees apply to monthly payments.
  • The website is not user-friendly.

#5. Embrace

Why we choose Embrace: Owners are willing to pay significant, age-related increases in premiums to get a policy. Aging pets shouldn’t be spared insurance coverage when they need it most. Because it provides complete coverage to animals younger than 14 years old and accident-only coverage to those older than 15, Embrace was chosen as the best pet insurance for older animals.


  • The age restriction for enrollment is high.
  • The deductible is waived annually.
  • covers treatable prior conditions.
  • option with a high yearly reimbursement cap


  • encompasses just canines and felines.
  • There are no infinite benefits.
  • There are few health benefits.
  • Nowhere in Canada or the United States is it available.

#6. Figo


Why we picked Figo: Most rivals only provide reimbursements of up to 90%. Because pet owners may select up to 100% reimbursement and completely eliminate copayments, Figo stands out as the best pet insurance for reimbursement alternatives.


  • 100% maximum reimbursement
  • There is no upper age limit for enrollment.
  • Low-deductible alternatives
  • Free 24-hour animal clinic
  • Waiting periods for sickness and injuries are short (no more than 3 days) and 14 days.


  • If a pet enrols after its second birthday, there is no coverage for inherited diseases.
  • Orthopedic issues and knee injuries have a six-month waiting period.
  • Low payout thresholds for wellness plans

#7. Trupanion


Why do we choose Trupanion? Pet owners typically have to pay the whole vet charge before obtaining reimbursement from pet insurance companies. Your veterinarian may submit a claim in-office and get money nearly immediately thanks to Trupanion’s direct payment platform. You don’t have to pay the whole amount and wait to be reimbursed for the percentage that is covered.


  • The business directly pays veterinarians.
  • No caps on welfare payments (per incident, monthly or lifetime).
  • Free 30-day protection with affiliated shelters, breeders, or veterinarians.
  • lifetime deductibles for each condition.
  • Enrollment is now open in Canada, Australia, and Puerto Rico.


  • expensive premiums
  • Continuity deductible
  • No coverage for preventative care.
  • There are no savings for having a lot of pets.
  • Just one possible plan

#8. Pets Best

Pets Best

Why we choose Pets Best: Pets Best offers coverage for animals as young as seven weeks and has a wide selection of coverage choices and deductibles. It’s also one of the few pet insurance providers that covers wheelchairs and prosthetic equipment.


  • Pets up to seven weeks old can be covered, and there is no maximum age.
  • Direct payments are offered.
  • Wheelchairs and prosthetic devices are covered.
  • There are numerous deductible options.


  • Treatment of parasites is not covered.
  • Upgrading a policy is not possible until the renewal date.

#9. TrustedPals


Global insurance provider Zurich underwrites the policies of TrustedPals. With no upper age restriction and 1% of business revenues going to animal welfare organisations, TrustedPals offers coverage to owners of dogs and cats.

There are numerous savings programmes available, and they offer wellness policies in addition to accident and illness coverage. You may be eligible for a discount in addition to the one for numerous pets if you are a member of the military or a veteran, a first responder, a student of veterinary medicine, or if your pet is a service animal.


  • It covers behavioural therapy, training, and other specified services.
  • consists of prescription medication, dietary supplements, and pet food.
  • Claims are reimbursed in up to 10 days, according to the business.
  • Options with a 0% deductible and 100% reimbursement are available.
  • Visit any US-based licenced veterinarian.


  • The wellness plan’s maximum reimbursement is $750.
  • A 12-month waiting period for ligament and hip dysplasia
  • Only residents of the US are eligible to enrol.

#10. Nationwide


Nationwide offers comprehensive insurance for a variety of unusual species, which is why we chose them as the best pet insurance for exotic pets. Pet owners can rest easy knowing that good insurance will cover up to 90% of their costs for such animals.


  • coverage for pets, including birds that are exotic.
  • Those who already have a Nationwide policy save 5% on pet insurance.
  • Visit any authorised veterinarian, physician, or emergency care facility anywhere in the globe.
  • Free 24-hour animal clinic
  • 50% reimbursement at a reduced rate.


  • There is only one ($250) deductible choice offered.
  • Enrollment is restricted based on age.
  • Finding important details on coverage and exclusions might be challenging.
  • This limits the amount that common treatments and conditions can be reimbursed for.

#11. Fetch by The Dodo

Fetch by The Dodo

One of the few insurers, Fetch by The Dodo, allows animals to be enrolled as young as six weeks old, making it an excellent choice for parents of newborn kittens who frequently adopt them at that age. The company gives you a choice of deductibles and annual benefits, and there is no upper age limit.

Of all the firms we looked at, Fetch by The Dodo has the lowest enrollment age requirement. Additionally, it offers a few extra benefits and services that pet owners may find intriguing. However, the business does not offer a wellness programme, and policyholders must adhere to a number of tight guidelines in order to get claim reimbursement.


  • just 6 weeks of coverage.
  • No enrollment costs.
  • Visits to virtual vets include
  • If the owner is hospitalized, boarding expenses up to $1,000 are reimbursed.
  • There is no lifetime or condition-specific claim cap.
  • View any authorised veterinarian in the US and Canada.


  • No coverage for preventative care.
  • Within 48 hours of recognising symptoms, you must take your dog or cat to the vet in order for coverage to take effect.
  • There is no discount for having several pets.
  • There is a six-month waiting period for knee injury and hip dysplasia.
  • older pet coverage restrictions.

#12. 24PetWatch


Despite offering insurance and wellness plans with minimal waiting periods and inexpensive deductibles, 24PetWatch was disqualified because of some policy restrictions. There is just one (80%) reimbursement choice available. Dogs and cats stop being covered after ten and twelve years old, respectively. Older pets are basically left uninsured since it is difficult to locate another business prepared to start coverage at such an age. They are also a little more costly than their competitors due to the lack of discounts.


  • There is no waiting time for accidents.
  • Persistent ailments are covered after 24 symptom-free months.
  • includes exam costs and the invoiced amount.


  • A minimum age for enrollment
  • Injuries to the CCL (ACL) are seen as a bilateral problem.
  • It only offers 80% reimbursement as a choice.
  • There are no infinite payoff options.

#13. MetLife Pet Insurance

MetLife Pet

Previously known as Pet First, MetLife Pet Insurance provides flexible coverage choices and a simple online application. Your maximum benefit amount, which ranges from $2,000 to $10,000, is your choice. You can benefit from one or more of the discount programmes, such as those for healthcare professionals, members of the armed forces, veterans, and first responders, and your deductibles can be as low as $0 or as high as $2,000. Affinity groups, people who work in the animal care industry, and employers who offer pet insurance are also eligible for a subsidised cost.

In summary, MetLife Pet Insurance policies provide you with the flexibility to choose your deductible, reimbursement amount, and reimbursement percentage to fit your budget. You can also add a wellness rider to help pay for routine medical costs. However, the business reimburses spending more slowly than some of its rivals, and the wellness advantages are not made explicit online, so you can be left wondering what you’re really paying for.


  • Multiple reductions
  • Accident coverage follows only a day.
  • lowering the deductible each year that there isn’t a claim.
  • The range of deductibles is $0 to $2,000.


  • Processing claims may take up to 10 days.
  • The maximum benefit each year is only $10,000.
  • There are no online examples of policies or benefits for wellbeing.

#14. Pet Assure

Pet Assure

Pet Assure is a discount programme that provides 25% off of all in-office medical treatments; it is not pet insurance, to be clear. Although veterinarians from every state, Puerto Rico, and Canada participate in the programme, the number of providers by locale is constrained.

As long as your veterinarian approves it, Pet Assure is a reasonable substitute that fills in any holes in your current coverage that may exist. However, the company’s product was rejected since it wasn’t pet insurance.


  • Guaranteed money-back for 45 days!
  • multiple-pet discount


  • Unlike pet insurance,
  • No specialty services are covered.
  • No prescription food or drug coverage.

#15. Hartville


The outstanding coverage provided by Hartville’s plans comes at a cost; anticipate shelling out about $40 per month for a mixed-breed puppy and $22 per month for a mixed-breed kitten. Accident-only insurance appears to be a reasonable substitute, but even then, puppy rates start at roughly $30. After your dog turns five, the cost of illness benefits goes up a lot as well.

Additionally, Hartville promotes an unlimited yearly benefit payout, although online registration is not an option for this benefit. For further information, you must dial 1-800-799-5852.


  • There is no yearly coverage cap.
  • a thirty-day test period.
  • The US, US territories, and Canada can enrol.


  • costly initially, with costs increasing after age 5.
  • Payment for preventive care is scarce.
  • No affordable choice is offered.

#16. GEICO Pet Insurance


GEICO will redirect pet owners who apply for insurance to Embrace’s website. The standard Embrace options of unlimited coverage per year, full reimbursement, and no deductible are not part of the GEICO insurance, though.


  • Multiple reductions
  • Embrace provides insurance.


  • The webpage contains only a few details.
  • No internet assistance; just a telephone.

#17. USAA Pet Insurance


Through Embrace, one of our top options, USAA provides accident-only or accident and sickness insurance with an optional wellness rider. Through Embrace, claims and customer service are also managed. Members of USAA may get up to a 25% discount on pet insurance by making their purchase via USAA.

We didn’t like how little information there was on USAA’s pet insurance page, including the plans themselves. It’s advisable to visit Embrace’s website directly if you want further details.


  • membership and a discount for several pets.
  • 24/7 claim submission
  • Embrace provides insurance.
  • Visit any licenced veterinarian in the United States.


  • little knowledge of the policy.
  • No online chat assistance.
  • Membership with USAA is required.

#18. Prudent Pet

Prudent Pet

Prudent Pet offers a preventative care add-on, an accident-only plan, two accident and sickness insurance options (Essential and Unlimited), and an accident-only policy. Compared to other providers in terms of coverage benefits and premium prices, essential coverage for a 1-year-old Cocker Spaniel costs $42 per month with a $500 deductible and 70% reimbursement.

Similarly to other preventative care packages, Prudent Pet’s wellness add-on covers fundamentals like dental cleaning, spaying/neutering, regular checkups, vaccines, microchipping, and deworming. Each procedure’s reimbursement is limited to a certain financial amount, but you can select from one of three reimbursement levels: low, medium, or high.


  • It provides the possibility of an unlimited yearly benefit.
  • There is no maximum age for enrollment.
  • 24/7 online veterinary consultations
  • multiple-pet discount
  • The waiting period for accident insurance is five days.


  • There is no option for full reimbursement.
  • A six-month waiting period for knee and joint problems
  • A small amount of prescription food is covered.
  • Exam cost coverage is an optional extra.

#19. Wagmo


One pet insurance plan for sickness and accidents is provided by Wagmo pet insurance. The coverage has preset limitations that are $10,000 for each incident and $100,000 for the lifetime. Contrarily, the majority of the businesses we evaluated let pet owners forego any per-incident restrictions in favour of their desired yearly coverage maximum (which was occasionally “unlimited”).

We like Wagmo’s simple claims procedure, which allows pet owners to submit a cellphone image of the bill or receipt. After the claim is validated, the business pays payment by direct transfer, Venmo, or Paypal.


  • 100% reimbursement is available.
  • Direct deposit, Venmo, or PayPal reimbursement
  • There is a 15-day waiting period.
  • It also covers prescription drugs, although at a 50% discount.
  • Convoyance for ambulances is included.


  • lifetime and incidental restrictions.
  • thirty days before receiving cancer therapy.
  • Hip dysplasia in dogs older than six years is not covered.

#20. Many Pets

Many Pets

A single accident and sickness coverage is available from Many Pets, with a wellness add-on as an option. The insurance plan pays for vet visit costs, prescription drugs, medical care, surgeries, hospital stays, euthanasia, and cremation.

With Many Pets, you can skip the 15-day waiting period if your pet was already insured by another company at least 24 hours before the new policy took effect.

One of the least expensive solutions is provided by Many Pet’s sample quotation for a 1-year-old cocker spaniel, which comes in at $27/month. A wellness plan is another option, but it isn’t as extensive as some others because it doesn’t cover faecal and blood testing, spaying and neutering, or microchipping.

The injury and sickness coverage offered by Many Pets is comparable to that of other reasonably priced insurance companies on our list. With better preventative care plans, nationwide coverage, and policy discounts like multi-pet, our top picks still have a slight advantage.


  • There are no annual or lifetime payout limits.
  • This includes consultations and vet exam costs.
  • A fifteen-day waiting period with a waiver option
  • The possibility of selecting 0% deductible and full reimbursement


  • No policy concessions
  • 37 states are now the only ones that may enrol.
  • Hip dysplasia in pets older than 6 years old is not covered.
  • When a payment is missing, a policy is automatically terminated after 10 days.
  • The wellness programme is not as thorough as some others.

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