Pet Insurance Plans

  • Dr Kevin McEvilly, DVM, Los Angeles, CA
    Dr Kevin McEvilly, DVM, Los Angeles, CA
    Editor
Updated: 30, 2021, 4:17pm

If you’ve been to the veterinarian with your pet, especially recently, you’ll have noticed that bills can be very expensive, particularly if it’s for a serious condition.

Thankfully, there is something you can to do help your pet when they get sick. And that something is to invest in a pet insurance plan to help pay the bills for accidents and illnesses.

The biggest thing a pet insurance plan does is give you the choice between telling your veterinarian “yes, please do whatever it takes to help my pet because I have insurance” or saying “I’m sorry, but I just don’t have the money.”

Like all insurance, pet plans can be difficult to understand, and often the devil is in the detail. We’ve done the hard work for you, so you can be confident you’re making the right choice.

If you’ve been to the veterinarian with your pet, especially recently, you’ll have noticed that bills can be very expensive, particularly if it’s for a serious condition.

Thankfully, there is something you can to do help your pet when they get sick. And that something is to invest in a pet insurance plan to help pay the bills for accidents and illnesses.

The biggest thing a pet insurance plan does is give you the choice between telling your veterinarian “yes, please do whatever it takes to help my pet because I have insurance” or saying “I’m sorry, but I just don’t have the money.”

Like all insurance, pet plans can be difficult to understand, and often the devil is in the detail. We’ve done the hard work for you, so you can be confident you’re making the right choice.

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Best Pet Insurance

1
Best Value
  • 5.0
  • Pet Insurer’s Score
Annual Coverage: $5,000, $10,000, $20,000, $50,000, $100,000
Deductible: $100, $250, $500
Reimbursement: 70%, 80%, 90%
Pricing: $$

Summary: Lemonade are all about price and getting what you need, and not paying for things you don't need. They’ve dispensed with some of the add-ons that, in reality are rarely used, in order to provide low prices across the board. With a large choice of coverage options, you ought to find something for your budget.

Pros:
  • Very competitive pricing for nearly all dogs and cats
  • Lowest accident waiting period of all (only 2 days)
  • Optional routine wellness plans available to pay for your pet’s annual wellness exam, shots and more
  • Donate unclaimed dollars to a charity of your choice each year
Cons:
  • 6-month wait time for cruciate ligament coverage
  • No 24/7 pet telehealth line, but they do offer online medical chat as part of the optional wellness plan
  • Behavioral & alternative therapy coverage not available
2
  • 5.0
  • Pet Insurer’s Score
Annual Coverage: $5,000, $8,000, $10,000, $15,000, $30,000
Deductible: $200, $300, $500, $750, $1,000
Reimbursement: 70%, 80%, 90%
Pricing: $$

Summary: Very good coverage benefits and competitive pricing. Embrace offers the ability to reduce the wait period for orthopedic conditions to just 14 days following an exam by your vet, making it an excellent choice for pets that are prone to hip and knee issues such as Labradors and German Shepherds.

Pros:
  • Budget friendly range of options to select from
  • Offers a “diminishing deductible’ that reduces the deductible you pay for claims by $50 for each year you don’t have a claim paid
  • Optional routine wellness plans available to reimburse for your pet’s annual wellness exam, shots and more
  • Covers the veterinarian exam fee for accidents and illness
  • Comes with a 24/7 pet telehealth phone number for you to get advice, anytime
  • Option to reduce orthopedic wait period from 6 months to 14 days
Cons:
  • Lowest available deductible is $200 (others offer lower)
  • The optional routine wellness benefit is not fantastic value
  • One-time $25 enrollment fee at sign up
3
  • 4.5
  • Pet Insurer’s Score
Annual Coverage: $10,000, Unlimited
Deductible: $100, $200, $500, $1,000
Reimbursement: 70%, 80%, 90%
Pricing: $$$

Summary: Prudent Pet ticks all the boxes for accidents and illness being covered, and it provides an optional routine wellness plan too. Extra marks are scored for coverage if your pet gets lost or stolen, if you need to cancel a vacation and for end-of-life expenses.

Pros:
  • Extra benefits incl. boarding fees if you’re hospitalized and coverage if your pet is lost or stolen
  • Excellent end-of-life expense coverage
  • Optional routine wellness plan
  • 24/7 pet telehealth
Cons:
  • 5 day accident wait time not as fast as some
  • Vet exam fee coverage is an optional add on
4
  • 4.0
  • Pet Insurer’s Score
Annual Coverage: $5,000, $10,000, Unlimited
Deductible: $100, $200, $500, $750
Reimbursement: 70%, 80%, 90%, 100%
Pricing: $$$

Summary: A solid choice at a competitive price. There are 2 excellent things we really like about the Figo plan. Firstly, it offers a 100% reimbursement option, meaning you only have to pay your deductible, and if you want to travel with your vet, Figo covers your pet anywhere in the world, which is the only we plan we know of to offer this.

Pros:
  • 100% reimbursement option
  • Coverage extends worldwide – fantastic peace of mind if you travel with your pet
  • Unlimited annual coverage available
  • 24/7 pet vet live chat included
Cons:
  • Dental illnesses not covered
  • 6 month wait period before knee coverage begins
5
  • 4.5
  • Pet Insurer’s Score
Annual Coverage: $5,000, $15,000, Unlimited
Deductible: $250, $300, $500
Reimbursement: 70%, 80%, 90%
Pricing: $$

Summary: The recently launched Walmart pet insurance plan is very well priced, covers pretty much every accident or illness your pet could suffer from in future, and there are no networks to worry about. In fact, you can use any licensed vet, specialist or emergency pet hospital in the USA. Right now, there’s also a $25 Walmart Gift Card when you sign up.

Pros:
  • No sign-up fees, no add-ons
  • Up To 10% Off + $25 Walmart Gift Card
  • Risk free cancellation for up to 30 days
  • Use any vet in the USA
Cons:
  • The lowest deductible is $250
  • No 100% reimbursement option
6
  • 4.0
  • Pet Insurer’s Score
Annual Coverage: $5,000, $15,000, Unlimited
Deductible: $250, $300, $500
Reimbursement: 70%, 80%, 90%
Pricing: $$$

Summary: Petplan offers a very competitive choice with excellent dental illness coverage included (excluded by many other brands). Vet exam fees are also included as standard. We’d be nit-picking to find many faults with this plan.

Pros:
  • Includes vet exam fee coverage as standard
  • Unlimited annual coverage available
  • Dental coverage is among the best available
  • Covers alternative therapies at no extra cost
Cons:
  • No 24/7 pet telehealth service available
  • No routine wellness plan available
7
  • 4.0
  • Pet Insurer’s Score
Annual Coverage: $4,000, $8,000, $15,000, Unlimited
Deductible: $0, $100, $250, $500, $750
Reimbursement: 70%, 80%, 90%, 100%
Pricing: $$$

Summary: TrustedPals offer an exceptional pet insurance plan, including a $0 deductible option, which is great if you’re on a budget. Also offers a very good value routine wellness plan to cover annual exams, shots etc. We would have given them 5 stars if they didn’t have a 12 month wait period before cruciate ligaments and hip dysplasia were covered.

Pros:
  • Option to select a $0 deductible or 100% reimbursement (we like the idea of paying a little more up front and contributing less towards claims)
  • Pays for the vet exam fee if your pet has an accident or illness
  • Very good value optional routine wellness plans available to pay for your pet’s annual wellness exam, shots and more
  • The plan is underwritten by one of the biggest insurance companies in the world
Cons:
  • 12 month wait time before coverage for cruciate ligament and hip dysplasia begins
  • No 24/7 pet telehealth line offered
8
  • 4.0
  • Pet Insurer’s Score
Annual Coverage: $2,500, $4,000, $5,000, $7,000, $10,000, Unlimited
Deductible: $100, $250, $500, $750, $1,000
Reimbursement: 70%, 80%, 90%
Pricing: $$$

Summary: Possibly the most inclusive coverage of all, with no extended wait periods or significant exclusions. A nice 10% multi-pet discount too. Not the cheapest plan you’ll find, but this is more than offset by the quality of coverage. This is the same plan offered by ASPCA but with a much better range of coverage options.

Pros:
  • The widest choices of annual coverage for any budget
  • Excellent coverage for dental accidents & illness
  • Pays your vet’s exam fee for an accident or illness
  • Covers the cost of microchip implantation by your veterinarian, with no deductible
  • 10% multi-pet discount (applies to all pets)
  • Optional routine wellness plan to pay for your pet’s routine preventative care
Cons:
  • 14 day wait period before accident coverage begins (most others are 2-3 days)
9
  • 3.5
  • Pet Insurer’s Score
Annual Coverage: Unlimited
Deductible: $100, $250, $500
Reimbursement: 70%, 80%, 90%
Pricing: $$$

Summary: Healthy Paws are one of the biggest pet insurance providers, and while not usually the lowest cost option, they do have an unlimited coverage plan, meaning there are no caps on the amount of claims you can make during your pet’s lifetime. Customer feedback is excellent, and they’re very efficient at paying claims.

Pros:
  • No per-incident or annual caps on claims
  • Excellent customer reviews
  • 98% of claims are paid in just 2 days
Cons:
  • Vet exam fees not covered
  • 12 month wait before hip dysplasia covered
  • No routine wellness plan available
10
  • 3.5
  • Pet Insurer’s Score
Annual Coverage: $5,000 - Unlimited
Deductible: $50, $100, $200, $250, $500, $1,000
Reimbursement: 70%, 80%, 90%
Pricing: $$

Summary: Consistently competitively priced and with every box ticked in terms of paying for vet exam fees, diagnostics and surgery, Pets Best are a fine choice for your pet’s health insurance.

Pros:
  • Excellent pricing options
  • Offers the option to pay your veterinarian directly, if they agree, for your pet’s vet bills
  • Unlimited annual coverage option to pay for even the most expensive claims
  • Routine wellness plans available as an add-on for your pet’s annual wellness exam, shots and other preventative care
  • 24/7 pet telehealth for you to speak to a licensed veterinarian at any time
  • Just a 3 day wait period before accidents are covered (14 days before illness coverage begins)
Cons:
  • Only 2 options for annual coverage
  • 6-month wait time before cruciate ligament coverage begins
  • 3.5
  • Pet Insurer’s Score
Annual Coverage: $3,000
Deductible: $0
Reimbursement: Pays any vet directly for all claims
Pricing: $

Summary: Pawp is a pet insurance alternative, that offers a zero out-of-pocket membership plan to cover your pet(s) if they have an emergency condition that needs immediate veterinarian treatment, even if it’s for a pre-existing condition. $19 per month for up to 6 pets makes this a total no-brainer for any pet parent.

Pros:
  • $19 per month for up to 6 pets
  • Pays all claims directly to any vet over the phone before you leave the veterinarian office
  • Plan costs won’t go up as your pet(s) get older
  • 24/7 free telehealth from licensed vets
Cons:
  • You’re limited to one claim per year
  • Only covers emergencies and not everyday accidents and illnesses