Best Pet Insurance Companies of 2024

Pet insurance is becoming increasingly popular as pet owners seek to manage the costs of veterinary care. 

With a wide range of providers and coverage options available, finding the best pet insurance can be a daunting task. Here’s a detailed comparison of the top pet insurance companies of 2024, including their features, coverage options, and pricing to help you make an informed decision.

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Comparison Table

Company	Plan Options	Annual Limits	Deductibles	Reimbursement	Coverage Highlights	Monthly Premium	Customer Service	Special Features
Trupanion	One plan with customizable add-ons	Unlimited	$0 – $1,000	90%	Covers illnesses, injuries, diagnostic tests, and surgeries.	$30 – $100	24/7 support	Direct vet payments, no payout limits.
Healthy Paws	One plan with optional add-ons	Unlimited	$100 – $500	70% – 90%	Covers accidents, illnesses, diagnostic tests, and treatments.	$25 – $80	24/7 support, mobile app	Quick claims process, no age restrictions.
Pets Best	Multiple plans	$5,000 – Unlimited	$50 – $1,000	70% – 90%	Covers accidents, illnesses, wellness visits, and more.	$20 – $70	24/7 support	Optional wellness coverage, comprehensive plans.
Figo	Multiple plans	$5,000 – Unlimited	$50 – $1,000	70% – 100%	Covers accidents, illnesses, hereditary conditions, and more.	$30 – $90	24/7 support, mobile app	Virtual vet consultations, customizable plans.
Nationwide	Multiple plans	$5,000 – Unlimited	$100 – $500	50% – 90%	Covers accidents, illnesses, wellness, and exotic pets.	$25 – $85	Business hours support	Wellness and exotic pet coverage, large network of vets.
Embrace	Multiple plans	$5,000 – Unlimited	$200 – $1,000	65% – 90%	Covers accidents, illnesses, wellness, and alternative therapies.	$25 – $80	24/7 support	Wellness rewards program, diminishing deductible.
ASPCA	Multiple plans	$5,000 – Unlimited	$100 – $1,000	70% – 90%	Covers accidents, illnesses, and preventive care.	$30 – $85	24/7 support	Includes alternative treatments, direct vet payments.
Lemonade	One plan with optional add-ons	$5,000 – Unlimited	$100 – $500	70% – 100%	Covers accidents, illnesses, and some wellness options.	$20 – $70	24/7 support, mobile app	Quick claims processing, tech-driven approach.
Pumpkin	One plan with optional add-ons	Unlimited	$100 – $500	90%	Covers accidents, illnesses, and wellness.	$30 – $85	24/7 support, mobile app	Preventive care included, multi-pet discount.
Bivvy	One plan with optional add-ons	$5,000 – Unlimited	$50 – $500	50% – 100%	Covers accidents, illnesses, and some preventive care.	$20 – $60	Business hours support	Affordable coverage, simple plans.

In-Depth Analysis

1. Trupanion

Overview:
Trupanion is known for its comprehensive coverage and straightforward plan. It offers unlimited annual limits and a flexible deductible range, which can be customized to fit various budgets.

Coverage Highlights:

• Comprehensive Coverage: Includes accidents, illnesses, diagnostic tests, surgeries, and more.
• Direct Vet Payments: Trupanion can pay your vet directly, reducing out-of-pocket expenses at the time of treatment.
• No Payout Limits: No annual or lifetime limits on payouts.

Pricing:
Premiums vary based on the pet’s age, breed, and location, typically ranging from $30 to $100 per month.

Customer Service:
Trupanion offers 24/7 support with a reputation for responsive and helpful service.

Special Features:

• Direct Vet Payments: Streamlines the payment process by paying the vet directly.
• No Payout Limits: Provides peace of mind with no maximum payout limits.

Considerations:

• The flexibility in deductibles and coverage options may make it slightly more complex to navigate compared to simpler plans.

2. Healthy Paws

Overview:
Healthy Paws offers a single plan with optional add-ons, making it easy to understand and choose. It is known for its quick claims process and extensive coverage options.

Coverage Highlights:

• Comprehensive Coverage: Covers accidents, illnesses, diagnostic tests, and treatments.
• No Age Restrictions: Offers coverage regardless of the pet’s age.
• Quick Claims Process: Known for fast claim processing, often within a few days.

Pricing:
Monthly premiums typically range from $25 to $80, depending on the pet’s specifics and chosen deductible.

Customer Service:
Provides 24/7 support with a user-friendly mobile app for managing claims and policies.

Special Features:

• No Age Restrictions: Coverage available for pets of all ages.
• Quick Claims Process: Efficient and fast claims turnaround.

Considerations:

• The coverage is very comprehensive, but the pricing can be on the higher side for older pets.

3. Pets Best

Overview:
Pets Best offers a variety of plans including accident-only, accident and illness, and wellness coverage. This flexibility allows pet owners to tailor their insurance to their specific needs.

Coverage Highlights:

• Multiple Plans: Options include accident-only, accident and illness, and wellness coverage.
• Wellness Coverage: Optional add-ons for routine care and preventive treatments.
• Comprehensive Plans: Covers a wide range of veterinary expenses.

Pricing:
Premiums generally range from $20 to $70 per month, with options to adjust deductibles and reimbursement levels.

Customer Service:
Offers 24/7 support with a reputation for responsive customer service.

Special Features:

• Optional Wellness Coverage: Allows for comprehensive care including routine check-ups.
• Variety of Plans: Flexibility in choosing the right coverage for your pet.

Considerations:

• The multiple plan options can be beneficial but might be overwhelming for those seeking simplicity.

4. Figo

Overview:
Figo offers a range of customizable plans with high coverage limits. Its tech-driven approach includes a user-friendly mobile app and virtual vet consultations.

Coverage Highlights:

• Customizable Plans: Offers various levels of coverage including accidents, illnesses, and hereditary conditions.
• Virtual Vet Consultations: Access to online vet consultations as part of the coverage.
• High Coverage Limits: Includes options for unlimited annual limits.

Pricing:
Premiums range from $30 to $90 per month, depending on the plan and deductible chosen.

Customer Service:
24/7 support available with a mobile app for easy management of claims and policies.

Special Features:

• Virtual Vet Consultations: Convenient access to veterinary advice online.
• Customizable Plans: Ability to tailor coverage to your pet’s specific needs.

Considerations:

• Premiums can be higher, especially for plans with extensive coverage and additional features.

5. Nationwide

Overview:
Nationwide offers several plans including coverage for exotic pets, which sets it apart from many competitors. It also provides wellness coverage options.

Coverage Highlights:

• Coverage for Exotic Pets: Unique coverage options for exotic animals.
• Wellness Coverage: Includes options for preventive care.
• Flexible Plans: Offers both accident and illness as well as comprehensive coverage.

Pricing:
Monthly premiums typically range from $25 to $85, with variations based on coverage and deductible options.

Customer Service:
Business hours support with a well-established reputation for reliable service.

Special Features:

• Coverage for Exotic Pets: Ideal for owners of non-traditional pets.
• Wellness Coverage: Includes routine care options.

Considerations:

• The coverage for exotic pets may be a significant advantage for those with such animals.

6. Embrace

Overview:
Embrace offers a range of plans including wellness rewards and diminishing deductibles. Its wellness rewards program is designed to offset routine care costs.

Coverage Highlights:

• Diminishing Deductible: Deductible decreases for each year of claim-free coverage.
• Wellness Rewards Program: Provides a cash-back reward for routine care expenses.
• Comprehensive Coverage: Covers a wide range of veterinary services.

Pricing:
Premiums range from $25 to $80 per month, based on the selected plan and deductible.

Customer Service:
Provides 24/7 support with positive reviews for customer service.

Special Features:

• Diminishing Deductible: Reduces deductible amount for each year without claims.
• Wellness Rewards Program: Encourages routine care with cash-back incentives.

Considerations:

• The diminishing deductible can be beneficial, but the wellness rewards program may not be necessary for all pet owners.

7. ASPCA

Overview:
ASPCA offers a variety of plans including coverage for alternative treatments. It’s known for its comprehensive coverage and direct vet payment options.

Coverage Highlights:

• Alternative Treatments: Includes coverage for acupuncture, chiropractic care, and other alternative treatments.
• Direct Vet Payments: Can pay vets directly, reducing out-of-pocket expenses.
• Comprehensive Coverage: Covers a broad range of veterinary services.

Pricing:
Monthly premiums range from $30 to $85, depending on coverage and deductible options.

Customer Service:
24/7 support with good customer service reviews.

Special Features:

• Alternative Treatments Coverage: Includes holistic and alternative therapies.
• Direct Vet Payments: Simplifies the payment process.

Considerations:

• The inclusion of alternative treatments may be a valuable feature for some pet owners.

8. Lemonade

Overview:
Lemonade is a tech-driven insurance provider offering straightforward coverage with a focus on quick claims processing and a user-friendly app.

Coverage Highlights:

• Tech-Driven Approach: Modern app for managing claims and policies.
• Quick Claims Processing: Fast turnaround times for claims.
• Comprehensive Coverage: Includes accidents, illnesses, and some wellness options.

Pricing:
Premiums generally range from $20 to $70 per month, depending on the coverage level and deductible.

Customer Service:
24/7 support with a focus on digital solutions.

Special Features:

• Tech-Driven Approach: Efficient and user-friendly app for managing policies.
• Quick Claims Processing: Rapid claims handling for convenience.

Considerations:

• The tech-driven approach may appeal to those who prefer digital solutions for managing their insurance.

9. Pumpkin

Overview:
Pumpkin offers a single plan with optional wellness coverage and a focus on comprehensive care. It is known for its preventive care inclusion and multi-pet discounts.

Coverage Highlights:

• Preventive Care Included: Covers routine care such as vaccinations and check-ups.
• Multi-Pet Discount: Offers discounts for insuring multiple pets.
• Comprehensive Coverage: Includes accidents, illnesses, and wellness.

Pricing:
Monthly premiums typically range from $30 to $85, with variations based on coverage and deductible.

Customer Service:
24/7 support with a reputation for responsive service.

Special Features:

• Preventive Care Coverage: Includes routine care and preventive services.
• Multi-Pet Discount: Savings for insuring multiple pets.

Considerations:

• The inclusion of preventive care may be particularly beneficial for pet owners who prioritize regular check-ups.

10. Bivvy

Overview:
Bivvy offers a straightforward and affordable plan with options for add-ons. It is known for its simplicity and cost-effective coverage.

Coverage Highlights:

• Affordable Coverage: Provides basic coverage at lower premiums.
• Add-On Options: Available for additional coverage as needed.
• Comprehensive Coverage: Includes accidents, illnesses, and some preventive care.

Pricing:
Monthly premiums generally range from $20 to $60, making it one of the more affordable options.

Customer Service:
Business hours support with a focus on straightforward service.

Special Features:

• Affordable Coverage: Cost-effective insurance with essential coverage.
• Simple Plans: Easy-to-understand coverage options.

Considerations:

• The affordability may come with fewer options for customization compared to other providers.