Many policies cover up to 90% of your vet bills. That percentage, however, varies depending on the insurer and your preferences. Additionally, some treatments and procedures are not covered. Some policies also have annual or lifetime payment caps, which may result in some expenses not being covered. We will look at the list of the best pet insurance companies in the USA for dogs in 2023.
Finding comprehensive coverage for your dog or cat at a reasonable monthly premium can also be difficult. Here is our list of the top pet insurance providers for 2023, ranked according to your needs and priorities, to help you save time.
List of Pet Insurance Companies
Here is the list of the best pet insurance companies in 2023 and their plans:
- Healthy Paws – Best for Alternative Therapies
- ASPCA Pet Health Insurance: Most Experienced
- Spot – Best for Unlimited Coverage
- Pumpkin – Best for Puppies and Kittens
- Figo: Most Flexible Reimbursement Rates
- Embrace – Best for Older Pets
- Pets Best: Our Pick for Senior Pets
- Lemonade – Best for Fast Claims Processing
- Trupanion: Most Flexible Deductible
- Nationwide – Best for Exotic Pets
To decide which companies to suggest to readers, we examined and contrasted each based on variables such as monthly cost, reputation in the sector, and covered treatments. Please keep reading our reviews of the list of the best pet insurance companies in 2023.
Best Pet Insurance Companies in 2023
Best for Alternative Therapies: Healthy Paws
We chose HealthyPaws because it includes treatments like acupuncture, chiropractic care, hydrotherapy, physical therapy, laser therapy, and massage therapy as long as they are prescribed and carried out by a qualified veterinarian. Most pet insurance carriers do not cover alternative therapies.
Pros
- There are no incidental, annual, or lifetime caps.
- Quick claim processing
- Direct payments are possible in certain circumstances.
Cons
- There is only one policy available.
- No prescription food coverage.
- fewer possibilities for senior pets’ insurance
For both cats and dogs, Healthy Paws offers a single accident and illness policy. You can also select a deductible between $100 and $500, with no per-incident, annual, or lifetime benefit restrictions.
As coverage options and reimbursement rates for older pets are more constrained, Healthy Paws is best for enrolled animals while they are still young.
ASPCA Pet Health Insurance: Most Experienced
Because it is one of the most well-known providers in the pet insurance sector and has more than 15 years of expertise, ASPCA Pet Health Insurance is on our list of the best pet insurance companies in 2023. The American Society for the Prevention of Cruelty to Animals (ASPCA) has partnered with Crum & Forster Pet Insurance Group to provide services for policies.
Pros
- Every plan includes coverage for microchipping.
- It provides two tiers of supplemental wellness treatment.
- It possesses a feature that allows users to compare the plans and prices of competitors with those of the ASPCA online.
Cons
- It charges a transaction fee for payments made for monthly premiums.
- This assessment is more stringent than other providers, requiring a 14-day waiting period before you can use accident coverage.
In contrast, the Complete Coverage Plan offers coverage for illnesses, dental ailments, behavioral problems, hereditary conditions, congenital conditions, and more. Both insurance plans exclude coverage for cosmetic treatments, breeding, and conditions identified before enrollment.
Best for Unlimited Coverage: Spot
Even though choosing no co-payments and low deductibles tends to increase the cost of any policy, regardless of the company. We selected Spot as the best pet insurance for unlimited coverage because of how well it caters to pet parents who want coverage that maximizes peace of mind for their pet’s health. Since the area’s coverage has no upper age limit, it is also a good option for senior pets.
Pros
- Deductible from $100 onwards
- Unlimited Availability of annual coverage
- includes complementary treatments like acupuncture and hydrotherapy
- There is no maximum age.
Cons
- Young pets pay higher-than-average premiums
- limited coverage of the knee and ligaments (bilateral condition policies)
- No customer service is offered on weekends
You can easily maximize your pet’s coverage with Spot. It’s also one of the select few companies that offers policies with a full (100%) coverage option, which frees you from any co-payment obligations. The business also provides a very low ($100) deductible option, which lowers your out-of-pocket expenses for medical care even more.
Best for Kittens and Puppies: Pumpkin
We chose Pumpkin: Pumpkin is the best pet insurance for puppies and kittens because it provides comprehensive insurance and preventative care choices that are not covered by insurance suited to young animals at a reasonable price.
Pros
- There is no maximum age.
- Prescription food coverage
- Thirty-day money-back promise
- The coverage limitations range from an unlimited choice to $10k for dogs and $7k for cats.
Cons
- No movable reimbursement thresholds
- limited alternatives for deductibles ($100 to $500, so it’ll probably cost more)
With the opportunity to add preventative care packs for young cats and dogs that aren’t covered by basic coverage, Pumpkin offers cheap plans. For instance, one annual wellness exam charge, four puppy vaccinations, and one yearly fecal test are all included in the company’s puppy preventive care package.
In addition, Pumpkin will pay for lab tests for parasites and reimburse the cost of up to four vaccinations your puppy may have received before becoming insured under the preventive pack. These supplements aren’t offered in every state and are often referred to as “Pumpkin Preventive Essentials.”
Figo Pet Insurance: Most Flexible Reimbursement Rates
Figo’s whole reimbursement option makes it one of the top pet insurance providers on our list for 2023. Most companies only pay back 90% of vet bills, whereas Figo offers 100% reimbursement as an option. To make your plan truly comprehensive, the provider also provides unlimited annual benefits and a variety of helpful add-ons, such as liability coverage for losses or injuries your pet causes.
Pros
- It has a one-day shorter waiting period for injuries than its rivals.
- It won’t reject coverage based on age.
Cons
- Does not apply to kittens and puppies under the age of eight weeks.
- Excludes from behavioral coverage therapy.
Figo provides three levels of accident and illness insurance. While the preferred plan offers $10,000 in coverage yearly, the essential plan only offers $5,000. Since the Unlimited plan has no annual coverage caps, as its name implies, your covered veterinary expenses will not exceed your policy’s limits. Furthermore, each of Figo’s plans includes coverage for costs associated with unexpected medical visits, tests, surgeries, and other injuries and illness treatments.
Best for Older Pets: Embrace
Why we choose Embrace: Aging dogs shouldn’t be left without insurance coverage when they are most in need. Because it offers comprehensive coverage to animals younger than 14 years old and accident-only coverage to those older than 15, Embrace was chosen by our team as the best pet insurance for older animals.
Pros
- High upper age limit for enrollment
- yearly declining deductible
- covers treatable prior conditions
- High maximum yearly reimbursement
Cons
- It covers just dogs and felines
- No limitless benefit possibilities
- limited health advantages
- Available nowhere in Canada or the US territory
For up to 15 years, Embrace has been willing to cover pet accidents and illnesses. After that age, you can still buy insurance, but it will only cover accidents. This is unusual because most companies won’t offer insurance for pets 10 years old or older.
Embrace Wellness benefits are not available as separate insurance. Instead, pet owners can enroll in the Wellness Rewards program and pay a certain amount toward the cost of preventive treatment. Because unused funds do not carry over to the subsequent year, ensure your annual contributions correspond to the quantity of preventative care anticipated.
Pets Best Pet Insurance: Our Pick for Senior Pets
Why we selected Pets Best: Pets Best offers coverage for animals as young as seven weeks and also has a wide selection of coverage options and deductibles. It’s also one of the few pet insurance companies that cover wheelchairs and prosthetic devices.
Pros
- Pets can be covered up to seven weeks old, and there is no maximum age.
- Direct payments are available.
- Coverage includes prosthetic devices and wheelchairs.
- Numerous deductible options
Cons
- Treatments for parasites are not covered.
- Upgrading a policy is not possible until the renewal date.
- There are bilateral exclusions.
Pets Best sells several wellness plans and accident and illness insurance to cover your pet’s regular medical treatment. Pets Best will insure pets as young as seven weeks, contrary to most insurers who require pets to be at least eight weeks old to enroll. Additionally, there is no maximum age, allowing you to insure senior animals.
Coverage is provided when a veterinarian prescribes a wheelchair or prosthetic device to treat an accident or sickness covered by Pets Best. Insurance companies don’t always pay for treatments for mobility concerns.
Best for Fast Claims Processing: Lemonade
Lemonade’s revolutionary AI-powered processing, which promises to provide claims very rapidly via the app, is one of the reasons we chose it as the best pet insurance for quick claims. Furthermore, many pet owners may be drawn to the option of directing a portion of the business’ profits to charity.
Pros
- Rapid processing claims via a mobile app, in minutes instead of weeks.
- Other discounts are available, such as those for combining with homeowners’ insurance, insuring multiple dogs, and paying a single, yearly premium.
- Payments are made in part by organizations that support pets.
Cons
- Available only in 36 states
- Online information is scarce.
- Exam and past 12-month medical records are required to be submitted.
- No 30-day “free look” period
Lemonade can improve complete accident and illness coverage by adding a preventative care rider for yearly physicals, vaccinations, and parasite and heartworm testing. Additionally, a separate rider is offered to pay for veterinary examination costs and complementary therapies like acupuncture.
Additionally, Lemonade provides overage premium payments to charities that policyholders designate. The 36 states where Lemonade is now sold can sign up for updates on the company’s website.
Trupanion Pet Insurance: Most Flexible Deductible
We picked Trupanion: Pet owners typically have to pay the whole vet charge before receiving reimbursement from pet insurance companies. Your veterinarian can submit a claim in-office and receive money quickly, thanks to Trupanion’s direct payment platform. Also, you are not required to pay anything out of pocket.
Pros
- The business directly pays veterinarians.
- No caps on benefits payments (per incident, monthly, or lifetime)
- Free 30-day protection with affiliated shelters, breeders, or veterinarians
- lifetime deductibles for each condition
- The US, Puerto Rico, Canada, and Australia all accept enrollment.
Cons
- Expensive premiums
- Continuity deductible
- No coverage for preventative care.
- There are no discounts for having many pets.
- There is only one possible plan.
For both cats and dogs, Trupanion provides a single insurance package. Coverage includes alternative therapies, dental illnesses, prosthetic devices, prescription meals, and regular services like diagnostic tests, surgery, hospitalization, and prescription medications.
You don’t need to submit a claim if your veterinarian uses Trupanion’s direct payment program since Trupanion will pay the vet directly. Therefore, policyholders are relieved of the burden of paying expensive up-front payments or filing reimbursement claims, which is typical in most of the pet insurance sector.
Best for Exotic Pets: Nationwide
Nationwide offers comprehensive insurance for various unusual animals, which is why we chose it as the best pet insurance for exotic pets. Furthermore, pet owners can unwind knowing that a reputable insurer will cover up to 90% of their costs for such animals.
Pros
- Coverage for pets, including exotic birds
- Those who already have a Nationwide policy save 5% on pet insurance.
- Visit any authorized veterinarian, physician, or emergency care facility anywhere in the world.
- Free 24-hour animal clinic
- 50% reimbursement at a reduced rate.
Cons
- There is only one ($250) deductible choice offered.
- Age restriction for enrollment
- Finding important details on coverage and exclusions might be challenging.
- It limits the amount that common treatments and conditions can be reimbursed for.
The only pet insurance provider of its scale to provide an avian and exotic pet plan is Nationwide. Goats and potbellied pigs, as well as the majority of birds, reptiles, and small animals, can all be covered.
Other Pet Insurance Companies
While we’ve limited the list down to our top 10 recommendations for the best pet insurance companies in 2023, there are additional pet insurance options out there to consider.
- Many Pets
- TrustedPals
- Wagmo
- USAA
- Geico
- Pet Assure
- Hartville
- 24PetWatch
- PetFirst
- Metlife
- Pawp
- Prudent Pet
- Fetch by The Dodo
Best Pet Insurance Companies for Dogs
Several risks could unintentionally cause your puppy’s injuries or illness, whether they occur while playing in your backyard or taking frequent walks.
The best way to keep your dog happy, healthy, and cared for without worrying about paying for high vet bills is to purchase pet insurance. Most pet insurance companies also provide wellness or preventative care benefits to promote your animal’s general well-being and regular maintenance.
Lemonade is a good option because of its many customization options, high maximum coverage limit, and user-friendly mobile app. Still, other providers might better fit you based on your needs.
For instance, ASPCA Pet Health Insurance has a reputable history and years of experience, Prudent Pet offers additional coverage in its Ultimate Plan, and Embrace has a variety of special savings opportunities. Furthermore, Figo or Trupanion can satisfy your demands if you require limitless coverage with a full reimbursement.
Conclusion
Since there are many pet insurance providers, choosing the best one might be challenging. Also, to help you focus your search, we advise examining the distinctive features offered by each provider. You should also seek free quotations from a few different insurers to compare plan costs based on the specifics and location of your pet.
Frequently Asked Questions
How do I choose the right insurance for my dog?
Better coverage and benefits mean greater premiums. Deductible: The amount you must pay before the insurance company reimburses a claim. Depending on the plan, the deductible resets annually or applies to individual pet conditions.
Does pet insurance get more expensive as your dog gets older?
Insurance for older pets works as it does for younger ones. Pricing is also a key. Also, pet insurance for older dogs and cats is more expensive since they need more medical care.
What is a annual deductible on pet insurance?
Annual deductibles are the easiest because you pay them once for every pet’s coverage year. With an annual deductible, you only have to meet it once, no matter how often your pet visits the clinic.
Can you get pet insurance after a diagnosis?
No pet insurance covers pre-existing conditions (including congenital conditions if they are already diagnosed). You may cover your pet and lower pre-existing condition fees.
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