Our dogs are valuable members of our families, and they deserve the best possible care. But sometimes, that comes with a high price tag. Taking out a pet insurance policy for your dog is an excellent option to avoid dipping into your savings or using your family’s emergency fund. The best pet insurance, when used properly, can set your mind at ease, and provide you with the financial freedom to take care of your beloved fur baby.
With so many pet insurance providers, knowing which is the best option for you can be difficult.
That’s why we’ve done the research for you and gathered a list of the top 10 best pet insurance providers:
- Fetch by Dodo
- Pets Best
- Pet Assure
- Embrace
- Trupanion
- Paw Protect
- Spot
- Many Pets
- Pumpkin
- Figo
The Best Pet Insurance Providers
When we look at pet insurance providers, we look at their claims process, coverage options, reimbursement choices, and much more. But ultimately, it comes down to customer reviews.
1 – Fetch by Dodo
Rating: 4.5/5 Stars
Customers rave about Fetch’s customer service and coverage. Their representatives are responsive and transparent, working hard to ensure you get the service you pay for.
Some had faced issues when there was uncertainty regarding pre-existing conditions, and some were frustrated with the early stages of the process, specifically submitting their dog’s medical records. But this appears to be a rare occurrence.
Key features:
- Highly comprehensive pet insurance.
- Reimbursement of up to 90% available.
- There is no enrollment fee, and you can cancel anytime.
- Coverage includes sick-visit exam fees, behavioral therapy, and alternative/holistic care.
- There are no age limits!
- Claims are easy and fast, and so is repayment once the claim is approved.
- Hereditary conditions are covered at no additional cost.
- You are covered with any licensed vet in the U.S. or Canada.
- Free quotes (including breed-specific quotes)
2 – Pets Best
Rating: 4/5 Stars
Most customers have nothing but praise for Pets Best customer service. However, there are mixed reviews regarding the speed of their claims processing time and reimbursement speed.
Most say the coverage and service are excellent, but the claims process is slow. The company appears to be aware of this issue, and hopefully, there will be signs of improvement soon.
Key features:
- They offer a 24/7 pet helpline.
- There are no upper age limits on accident and illness plans.
- They offer the option of vet direct pay.
- Available coverage includes optional accident and illness exam fees, prescription medication, complete hereditary and congenital, and routine care.
- You can submit a claim from any device.
3 – Pet Assure – Wellness Plan Option
Rating: 4/5 Stars
Pet Assure is one of the most well-respected wellness plan providers. Their coverage does not include accidents or illnesses, but those looking for flexible preventative care only find that Pet Assure is an excellent option.
They claim to have a fast claim and re-payment process. However, we could not find any customer reviews on the topic to confirm.
Key features:
- Wellness Plans ONLY
- Excellent flexible wellness coverage.
- Budget-friendly options that include coverage for wellness visits, vaccinations, routine bloodwork, fecal or urine tests, preventative and even grooming.
- Pets with pre-existing conditions are covered.
- No waiting periods!
- Quotes are FREE.
- Fast reimbursement.
4 – Embrace
Rating: 4.5/5 Stars
Customers have nothing but good things to say about Embrace’s customer service and speedy claims/reimbursement process. According to one reviewer, the process is “Easy, easy, easy!”
Key features:
- Unlimited reimbursement.
- Easy claims process.
- Coverage for breed-specific, congenital, and chronic conditions available. Including exam/consultation fees, treatments, surgery, hospitalization, specialty care, follow-up care, behavioral therapy, mobility aid (including prosthetics), dental illness, and prescription medications.
- Curable pre-existing conditions are covered.
- 24/7 pet health line.
- Policy personalization available.
- Wellness Rewards for routine exams, grooming, spay/neuter surgery, and other preventative care.
- No age limitations.
5 – Trupanion
Rating: 4.5/5 Stars
Trupanion is a well-trusted pet insurance provider with excellent reviews across the board. Customers gush over their customer service representatives and how they go above and beyond to provide support.
Their coverage is exemplary, and they are a rare provider offering real-time payouts. However, the occasional negative reviews indicate some inconsistencies and loopholes. If you choose Trupanion, we highly recommend becoming familiar with the details of your policy.
Key features:
- Unlimited payouts for life.
- Real-time payouts at checkout. No reimbursement and no waiting.
- Coverage includes hereditary conditions, unidentified issues, unexpected injuries, advanced dentistry, and breed-specific conditions.
- Coverage includes allergies, medications, herbal therapy, prescription food, and more.
- Up to 90% of your bill could be covered.
6 – Paw Protect
Rating: 4/5 Stars
As one of Advisor’s top-rated pet insurance providers, Paw Protect offers exceptional coverage and plan options and is known for the line of credit they offer customers to help cover the initial costs of the vet bills.
Their customer service is rated notably lower than other providers on this list. With their extensive coverage comes a lot of stipulations, so make sure you follow the instructions and read your policy thoroughly.
Key features:
- Unlimited coverage available.
- Deductibles as low as $100.
- A two-day waiting period for accident coverage to start.
- Wellness plan available.
- 24/7 Telehealth available.
- End-of-life coverage available.
- Multi-pet discount.
- A $2000 interest-free line of credit is available to customers to help pay vet bills up-front.
- Comprehensive coverage includes vet exam fees, dental, behavioral treatments, alternative therapies, diagnostics, and more.
7 – Spot
Rating:4/5 Stars
Customers love Spot Insurance’s flexible coverage, user-friendly website, and exceptional customer service. Their website and mobile app make setting up and managing your policy easy and stress-free.
The most common complaint has been confusion or frustration regarding frequent denial of coverage. This isn’t common, but enough reviewers expressed frustration to make it worth noting.
Key features:
- 24/7 Pet Telehealth Helpline
- Multi-pet discount.
- Reimbursement up to 90%.
- Flexible coverage options and customization available.
- No per incident or lifetime caps.
- Complete coverage can include exam fees, microchip implantation, hereditary conditions, cancer, infectious diseases, parasites, orthopedics, virtual vet visits, and more.
- Preventive care coverage that covers spaying/neutering, teeth cleaning, wellness exams, and more.
8 – ManyPets
Rating: 4/5 Stars
Between their attentive customer service, fast reimbursement process, and special offers for new customers, ManyPets is one of the top-rated pet insurance providers on multiple sites. The largest complaint against the company is its website and the fact that you can only add a pet or adjust your policy over the phone with a representative.
If you prefer to do everything online, they might not be your best option. However, if you like the idea of active and attentive support as you set up and manage your policy, then they are worth considering.
Key features:
- Voted the Number 1 Pet Insurance Company for 2023 by Forbes
- Speedy direct deposit reimbursement.
- No annual payout limits or hidden fees.
- Plans for dogs at every stage of life, with puppy plans starting at $20 a month.
- Coverage options include hereditary conditions, congenital conditions, exams, diagnostics, cancer treatments, broken bones, digestive illnesses, and prescriptions.
- No condition-specific waiting period.
- Wellness plans available that include coverage for routine checkups, preventative care, dental cleanings, and holistic care.
- One of the most affordable unlimited annual coverage
9 – Pumpkin
Rating: 5/5 Stars
Pumpkin is known for its transparency and clear-cut services, so they’ve earned a rare 5-star rating from us. Reviewer after reviewer praises the company for staying true to their policy and promises.
Their customer service is raved about, and the speed and ease of their claims process are noteworthy. Of all the wellness plans on this list, Pumpkin’s has the lowest rating.
Key features:
- 90% cash back on eligible vet bills.
- 4 annual deduction options ($100, $250, $500, or $1000).
- Adjustable annual limit from $10,000 to unlimited.
- Multi-pet discount.
- No maximum age limit.
- Wellness package add-on available.
- No hidden fees or breed and age restrictions.
- Coverage for illnesses covered by vaccines.
- Coverage for cancer and growth treatment.
- Prescription medication coverage
- Coverage for hereditary conditions, behavioral issues, alternative therapies, virtual vet visits, and exams for accidents and illnesses.
- Their benefits and exclusions are listed on their website, offering complete transparency.
10 – Figo
Rating: 4/5 Stars
If you are concerned about slow claim processing times, Figo is worth considering. Customers report claim processing times of less than 24 hours! Their app and online support make the claims process straightforward.
With that said, some reviewers complain about the approval rate for routine care, but more severe claims are often denied. Like with all pet insurance companies, we recommend reading through your policy thoroughly and taking the time to document your dog’s health problems during the registration process.
Key features:
- No per-incident caps
- Offer coverage for curable pre-existing conditions
- The average claim closes in 2.6 working days.
- Preventative care coverage options available.
- 24/7 access to licensed vets in the case of emergencies
- One of the highest reimbursement rates available (up to 100%)
- Flexible plan options.
- Coverage includes common illnesses, accidents and emergencies, preventative care, chronic conditions, hereditary disorders, congenital disorders, cancer treatments, vet exam fees, and more.
In our experience
No pet insurance company is perfect. There will always be loopholes and policy limitations, but that’s the case for all forms of insurance. No matter what provider you choose, take time to thoroughly review your policy and make sure you fully understand the claim submission process.
These ten pet insurance providers made it on the list because they all offer exceptional coverage, and user after user reports positive experiences working with their customer service representatives. You know your dog and what you need from your insurance.
Do a little digging, get a few quotes, and find the perfect pet insurance policy to help you care for your pup easily.
