Best Pet Insurance Companies in America - Pet Insurance Plans With the Best Benefits

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Hunter","sameAs":"https://www.businessinsider.com/author/meghan-hunter"},{"@type":"Person","name":"Evelyn He","sameAs":"https://www.businessinsider.com/author/evelyn-he"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best Pet Insurance Companies in America - Pet Insurance Plans with the Best Benefits","alternativeHeadline":"Best Pet Insurance of November 2024: Compare Coverage, Options, and Tips","image":{"@type":"ImageObject","url":"https://i.insider.com/5ec6bc5d2618b95e7625816b?width=1200&format=jpeg","width":1200,"height":900},"name":"Best Pet Insurance of November 2024: Compare Coverage, Options, and Tips","datePublished":"2024-10-29T17:54:14Z","dateModified":"2024-10-29T17:54:14Z","description":"The best pet insurance offers comprehensive coverage for your furry friends. Learn about the best pet insurance options, considerations, and tips.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate pet insurance products to write unbiased product reviews.The ASPCA estimates the annual cost of owning a dog or cat is upwards of $1,400 across food, routine medical care, toys, treats, and other pet-related expenses. However, just one major illness or accident can completely eclipse that amount. You could suddenly find yourself paying thousands surgery, hospitalizations, and medications. While pet insurance can add to your monthly costs, it could save your pet in an unexpected emergency.The best pet insurance companies understand that your pet is unique and offers comprehensive, cost-effective coverage that reflects that understanding. We've chosen the best pet insurance companies accordingly, taking note of waiting periods, coverage for pre-existing conditions, emergency care coverage, and cost.Here are our picks for the best pet insurance companies of 2024.The American Society for the Prevention of Cruelty to Animals (ASPCA) is a famous nonprofit focused on animal rights. In addition to this critical work, the ASPCA lends its name to affordable pet health insurance plans with great benefits. At this time, the ASPCA does not sell or underwrite insurance, but it does receive royalties to add its name to this pet insurance plan.Coverage is available for dogs, cats, and horses. Standard plans with the ASPCA include coverage for things like congenital conditions, alternative therapies, and behavioral issues. But most importantly, its policies offer a shorter waiting period than most providers for cruciate injuries (14 days). Pets must be at least eight weeks old to qualify for ASPCA pet insurance, but there's no upper age limit. So senior pets can enjoy coverage through ASPCA pet insurance.Owners with multiple eligible pets also get a 10% discount monthly. That said, ASPCA also reserves the right to raise your premiums according to your pet's age instead of just inflation, so you may find you're spending way more as your pet gets older. Read our ASPCA pet insurance review.If you're looking for flexible coverage and have a forgiving budget, consider Trupanion. It provides illness and accident coverage for cats and dogs, including plans without limits and a lifetime, per-condition deductible, saving you money if your pet has recurring health issues. However, if your pet contracts a variety of illnesses, your better off with one of the other companies on this list. The most crucial distinction for Trupanion is its low out-of-pocket costs. Eligible customers can choose a $0 deductible with 90% reimbursement. So in a pet emergency, you only pay 10% of eligible vet bills, though a $0 deductible policy will have high monthly premiums. Trupanion also has the unique ability to pay eligible vets directly, so you don't have to go through claims every time you take your pet to the vet.Pets over 14 years old are ineligible for coverage, and illness coverage has a 30-day waiting period. But Trupanion also offers valuable add-ons that'll cover boarding fees if a pet owner is hospitalized, behavioral and rehabilitative therapy, and coverage for unintentional property damage caused by a pet. Read our Trupanion pet insurance review.Figo is unique in that it offers a 100% reimbursement option. In short, under one of its plans, you'll be covered for 100% of your eligible pet expenses after you meet your annual deductible. In addition, it offers plans with lower yearly reimbursement maximums. The more you pay in premiums, the less you pay at the time of service, and vice versa.Its comprehensive pet insurance plans include coverage for non-routine dental care, alternative treatments, and hereditary conditions. You can even add preventative coverage with wellness care and vet exam fees.Added benefits of Figo pet insurance plans include a shorter than average one-day waiting period for accident coverage, a 24-hour pet telehealth line, and its Pet Cloud app to make your pet's vet records much more manageable.Furthermore, Costco members can access a 15% discount on Figo plans. Read our Figo pet insurance review.Nationwide is a familiar name for home, auto, and life insurance. But did you know it also offers pet insurance plans? You can buy coverage for dogs, cats, birds, and some exotic pets, which is uncommon in the industry. In addition, there are no age limits for pet coverage with Nationwide. Nationwide pet insurance plans are available in every state. So whether you have a dog, lizard, horse, or iguana, you won't have an issue finding pet insurance coverage.Nationwide's Whole Pet plan covers illnesses, accidents, and some hereditary and congenital conditions, but does not cover wellness treatments. You'll be able to cover preventive care costs with its Major Medical with Wellness plan, but this lacks hereditary and congenital condition coverage. It's worth noting that Nationwide has recently announced non-renewals for approximately 100,000 policies from now until the summer of 2025 as a result of rising vet costs and inflation. This may signal some future financial uncertainty, so dog and cat owners may want to look elsewhere for long-term coverage. However, if you have an exotic pet, Nationwide is one of your only options. Read our Nationwide pet insurance review.What's excellent about Spot is that it offers a wide variety of policies, including coverage for both accident and illness, accident-only, and an optional wellness plan for an additional fee. Additionally, it has a 14-day waiting period for accidents, illnesses, ligament and knee issues, like ASPCA.Spot Pet Insurance will reimburse exam fees (for select conditions), end-of-life expenses, and prescription food as part of its accident and illness coverage. Most pet insurance providers exclude these benefits from their coverage. Qualified pet parents may also choose unlimited annual coverage. Spot has pet insurance for accidents, illness, and wellness add-ons for dental cleanings, wellness exams, certain vaccines, and more.Spot pet insurance premiums are high compared to some other pet insurance competitors. Spot also increases your premiums annually based on your pet's age.Read our Spot pet insurance review.The American Kennel Club's pet insurance plans are available for all pets, not just registered purebred dogs. So you can sign your mixed breed dog or cat up for AKC's pet insurance and choose from various optional add-ons. This includes coverage for exam fees, wellness care, and final expenses, and breeding coverage, which is an uncommon add-on.You'll get 30 days of free coverage if you register your new pup for an American Kennel Club membership. But pet parents with senior pets may want to consider other pet insurance companies. Pets nine years old or older will only be eligible for accident coverage when you buy your policy. You'll also need to sign up your pet before their second birthday to qualify for the AKC's optional coverage for hereditary or congenital conditions.American Kennel Club is unique because it covers both curable and incurable pre-existing conditions after a 12-month waiting period. By contrast, other pet insurance companies may cover curable pre-existing conditions after a symptom-free waiting period, but almost all pet insurance companies don't cover incurable conditions at all.Read our AKC pet insurance review.Pumpkin Pet Insurance offers comprehensive pet insurance with an option for unlimited coverage. Unlike many other pet insurance providers, Pumpkin offers coverage for preventable diseases (excluding pre-existing conditions) like Lyme or parvovirus.In addition, Pumpkin only requires a 14-day waiting period for breeds with common hereditary conditions like hip and joint problems. In contrast, other providers may require waiting periods of up to 60 days. The waiting period is for current and future treatment. So if your pet presents with any of the listed health conditions within the waiting period, that condition and any related vet bills will not be covered in the future.With Pumpkin, you can get a quote for your pet quickly and easily. You will have fewer options to choose from when it comes to coverage, but the available options are above average compared to other pet insurance providers.Finally, the company won't decline coverage based on a pet's age. Specific policies also cover advanced treatments for things like behavioral therapy and acupuncture.Read our Pumpkin pet insurance review.Are you looking for pet insurance that won't break the bank? Consider Lemonade Pet Insurance, which offers coverage that starts at just $12 monthly. In addition, some of Lemonade's cheaper wellness plans provide coverage for wellness checks, preventative care, and extended accident and illness coverage. Whether shopping for a new pet insurance policy or adjusting your current plan, Lemonade's website and app provide easy-to-use quoting tools.If you have other items to insure, you can save even more. Customers who bundle their pet insurance with coverage for, say, your car or rental will get a 10% discount. You can also get 5% off for paying a full year's premium upfront and a 5% discount per policy for two or more pets. Unfortunately, Lemonade pet insurance is only available in some states. You can check its website or run a quote to find out if Lemonade pet insurance is available for your pets.Read our Lemonade pet insurance review.When looking for pet insurance plans, comparing different providers is essential to find the best coverage and price. Some factors to consider include the cost of premiums, the amount of coverage offered, the waiting period for coverage of pre-existing conditions, and the reimbursement percentage for veterinary care.It's also important to read the fine print to understand what is and isn't covered. For example, many pet insurance policies don't cover routine vet care such as vaccinations and annual checkups. It should also be noted that pet insurance companies don't necessarily define \"pre-existing conditions\" the same way every time. For example, some companies provide coverage for \"curable\" conditions. If your pet needs expensive surgery or treatment, you may only receive a fraction of the cost back from the insurance company.Pet insurance can be a great way to protect yourself from costly vet bills in an emergency. So, do your homework and shop around to find the best policy for your pet.Pet insurance plans may differ when it comes to specifics, but in general you'll want to look for a policy that provides as much coverage as possible, with few exceptions or exclusions.Comprehensive pet insurance will cover both accidents and illness, and some even include preventive care like wellness checkups. In general, you should purchase the policy that offers the most comprehensive coverage — especially if you foresee any issues arising with your pet. Some benefits are less common than others. It's worth checking to see if a company includes prescription food coverage, end-of-live benefits, and congenital/hereditary condition coverage. You should also see how your policy handles curable pre-existing conditions.A comprehensive pet insurance policy will cost more than an accident-only plan, but it should still be relatively affordable, and it could make a big difference if your pet needs care down the line.Most pet insurance plans let you customize coverage (to include or exclude things like wellness visits) and customize your deductible. You can choose to pay a higher deductible, which will lower your monthly pet insurance payment, or you can pick a lower deductible, which will mean a higher monthly premium. The best option for you really depends on your financial situation and whether you expect large vet bills anytime soon.When purchasing a plan, you should also note any per-incident or lifetime limits on your policy. If you hit a lifetime limit on your policy, you'll have to switch insurance providers. In doing so, you'll lose coverage for the conditions your pet developed while under previous coverage.Cost is one of the primary considerations when choosing a policy for your pet. The best pet insurance policy will save you more money than you spent on premiums.You'll want to find policies that cover the most costs while charging the least. This could mean finding the most comprehensive policy or reducing your coverage for a smaller monthly premium. For example, accident-only coverage is often far cheaper than comprehensive coverage. You can find our guide on the best cheap pet insurance here.On the other hand, you may also opt for a policy that has preventative care coverage. This can cost more than a standard policy, but can prevent your pet from getting sick, saving you money in the long run.Unfortunately, the cost of pet insurance is largely out of your control, dependent on your pet's breed and age. That said, there are ways that you can still save without influencing the underwriting process. For one, you can opt for multi-pet insurance as many of the best multi-pet insurance companies offer discounts of up to 10%.Additionally, some of the larger companies that offer multiple types of insurance may allow you to bundle your pet insurance with other types of insurance, like auto or home. The best pet insurance for you depends on factors like your pet's breed, age, and the coverages you need. Business Insider rated Lemonade pet insurance as the best for low-cost coverage, so it could be a good choice if affordable monthly costs are a priority. You can also check out our guides on the best cheap pet insurance and best multi-pet insurance for more options.The cost of pet insurance varies based on factors like your pet's age, species, location, and coverage level. Most people can expect to pay between $30 and $50 per month for a decent pet insurance plan.Comprehensive pet insurance can be a good option if your pet is older or more prone to illness or injury. It's essential to weigh the cost of insurance premiums against potential vet expenses to decide if comprehensive coverage suits your situation.Pet insurance is generally worth it for dogs, as it can save you significantly on vet bills annually. In emergencies, or for routine care with some policies, pet parents can lessen their financial burden, which may help ensure pets receive the care they need.No, pet insurance is not effective immediately. All providers have a waiting period before coverage starts, typically 14 days.When it comes to pet insurance, there are a lot of providers from which to choose. So how do you know which one is the best for your pet?We reviewed 30 pet insurance providers for our guide on the best pet insurance. The factors we considered included, but were not limited to:We started by looking at what type of coverage each provider offers. We focused on companies that provided good coverage options and rates, as well as customer service that is friendly and helpful. Finally, we compared plan rates to ensure these providers offered affordable coverage.You can learn more about how Business Insider rates pet insurance products.","articleSection":"Personal Finance, Insurance, Pet Insurance","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the best and affordable pet insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best pet insurance for you depends on factors like your pet's breed, age, and the coverages you need. Business Insider rated Lemonade pet insurance as the best for low-cost coverage, so it could be a good choice if affordable monthly costs are a priority. You can also check out our guides on the best cheap pet insurance and best multi-pet insurance for more options.</p>"}},{"@type":"Question","name":"How much does pet insurance cost?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The cost of pet insurance varies based on factors like your pet's age, species, location, and coverage level. Most people can expect to pay between $30 and $50 per month for a decent pet insurance plan.</p>"}},{"@type":"Question","name":"Do I need comprehensive pet insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Comprehensive pet insurance can be a good option if your pet is older or more prone to illness or injury. 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All providers have a waiting period before coverage starts, typically 14 days.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/insurance","name":"Insurance"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/pet-insurance","name":"Pet Insurance"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance","name":"Best Pet Insurance of November 2024: Compare Coverage, Options, and Tips"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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Should Trust Us </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#best-for-waiting-periods" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Waiting Periods </a> </li> <li> <a href="#best-for-chronic-conditions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Chronic Conditions </a> </li> <li> <a href="#best-for-100%-reimbursement" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for 100% Reimbursement </a> </li> <li> <a href="#best-for-exotic-pets" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Exotic Pets </a> </li> <li> <a href="#best-for-broad-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Broad Coverage </a> </li> <li> <a href="#best-for-pre-existing-conditions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Pre-Existing Conditions </a> </li> <li> <a href="#best-for-unlimited-annual-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Unlimited Annual Coverage </a> </li> <li> <a href="#best-for-affordable-premiums" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Affordable Premiums </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> </header> <nav class="component 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data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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> Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Bank Account Bonuses </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Banks </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best personal loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best debt 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data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/insurance" class=" breadcrumb-hide-s" data-track-click="{"product_field":"Insurance","element_name":"breadcrumbs","event":"navigation"}" > Insurance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate90 d-sm-block d-md-none align-left" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/pet-insurance" class="" data-track-click="{"product_field":"Pet Insurance","element_name":"breadcrumbs","event":"navigation"}" > Pet Insurance </a> </span> </div> <h1 class="post-headline ">Best Pet Insurance of November 2024: Compare Coverage, Options, and Tips</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Meghan Hunter" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/meghan-hunter" >Meghan Hunter</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/paul-kim" >Paul Kim</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-29T17:54:14Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-29T17:54:14Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Chronic Conditions </a> </li> <li> <a href="#best-for-100%-reimbursement" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for 100% Reimbursement </a> </li> <li> <a href="#best-for-exotic-pets" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Exotic Pets </a> </li> <li> <a href="#best-for-broad-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Broad Coverage </a> </li> <li> <a href="#best-for-pre-existing-conditions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Pre-Existing Conditions </a> </li> <li> <a href="#best-for-unlimited-annual-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Unlimited Annual Coverage </a> </li> <li> <a href="#best-for-affordable-premiums" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Affordable Premiums </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/pet-insurance/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate pet insurance products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>The ASPCA estimates the annual cost of owning a dog or cat is upwards of $1,400 across food, routine medical care, toys, treats, and other pet-related expenses. However, just one major illness or accident can completely eclipse that amount. You could suddenly find yourself paying thousands surgery, hospitalizations, and medications. While pet insurance can add to your monthly costs, it could save your pet in an unexpected emergency.</p><h2>Best Pet Insurance Companies of 2024 Summary</h2><ul class="summary-list"><li>Best for Waiting Periods: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="633dad2c63de0100184948a4" data-analytics-product-brand="American Society for the Prevention of Cruelty to Animals (ASPCA)" data-analytics-product-name="ASPCA Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=aspca">ASPCA Pet Insurance</a></li></ul><ul class="summary-list"><li><strong>Best for Chronic Conditions: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="637d78bbd6a5350011cfbf60" data-analytics-product-brand="American Pet Insurance Company" data-analytics-product-name="Trupanion Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=trupanion">Trupanion Pet Insurance</a></strong></li><li><strong>Best for 100% Reimbursement: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="633dadc763de0100184948c2" data-analytics-product-brand="Figo" data-analytics-product-name="Figo Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=figo">Figo Pet Insurance</a></strong></li><li><strong>Best for Exotic Pets: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="637d7a17d6a5350011cfbf6f" data-analytics-product-brand="Nationwide" data-analytics-product-name="Nationwide Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=nationwide">Nationwide Pet Insurance</a></strong></li><li><strong>Best for Broad Coverage: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="633dae1e1262460018d13aab" data-analytics-product-brand="Spot Insurance Services LLC" data-analytics-product-name="Spot Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=spot">Spot Pet Insurance</a></strong></li><li><strong>Best for Pre-existing Conditions: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="63ed3047f8ab1f0011ebaecd" data-analytics-product-brand="Independence American Insurance Co" data-analytics-product-name="AKC Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=akc">AKC Pet Insurance</a></strong></li><li><strong>Best for Unlimited Annual Coverage: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="637e8e71d6a5350011cfc5ab" data-analytics-product-brand="Pumpkin" data-analytics-product-name="Pumpkin Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=pumpkin">Pumpkin Pet Insurance</a></strong></li><li><strong>Best for Affordable Premiums: <a target="_blank" rel="nofollow noopener" data-analytics-product-module="summary_bullets" data-analytics-product-id="61fae730ce36660013ccb153" data-analytics-product-brand="Lemonade Insurance Company" data-analytics-product-name="Lemonade Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=lemonade">Lemonade Pet Insurance</a></strong></li></ul><div id="businessinsider-quote-form"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" id="businessinsider-quote-script" data-consent="MARKETING" data-onload="initQuoteEngine()" data-src="https://quote.petted.com/Scripts/lib/widgets/businessinsider/quote-form/widget.min.js" data-async="true" data-defer="true"></div> <script defer=""> function initQuoteEngine() { QuoteEngine.setOptions({ targetId: "businessinsider-quote-form", redirectUrl: "https://quote.petted.com/quote", baseUrl: "https://quote.petted.com/", urlParam: { source: 'Business Insider Quote Widget', utm_source: '', utm_medium: '', utm_campaign: '', utm_content: '', utm_term: '', }, refCode: 'businessinsider', }); QuoteEngine.init(); }; </script><h2>Compare the Best Pet Insurance Providers</h2><p>The best pet insurance companies understand that your pet is unique and offers comprehensive, cost-effective coverage that reflects that understanding. We've chosen the best pet insurance companies accordingly, taking note of waiting periods, coverage for pre-existing conditions, emergency care coverage, and cost.</p><p>Here are our picks for the best pet insurance companies of 2024.</p><h2 data-toc-label="Best for Waiting Periods" id="best-for-waiting-periods" class="toc-anchor">Best Pet Insurance for Waiting Periods</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="633dad2c63de0100184948a4" data-analytics-product-brand="American Society for the Prevention of Cruelty to Animals (ASPCA)" data-analytics-product-name="ASPCA Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=aspca">ASPCA Pet Insurance</a></h3><p>The American Society for the Prevention of Cruelty to Animals (ASPCA) is a famous nonprofit focused on animal rights. In addition to this critical work, the ASPCA lends its name to affordable pet health insurance plans with great benefits. At this time, the ASPCA does not sell or underwrite insurance, but it does receive royalties to add its name to this pet insurance plan.</p><p>Coverage is available for dogs, cats, and horses. Standard plans with the ASPCA include coverage for things like congenital conditions, alternative therapies, and behavioral issues. But most importantly, its policies offer a shorter waiting period than most providers for cruciate injuries (14 days). Pets must be at least eight weeks old to qualify for ASPCA pet insurance, but there's no upper age limit. So senior pets can enjoy coverage through ASPCA pet insurance.</p><p>Owners with multiple eligible pets also get a 10% discount monthly. That said, ASPCA also reserves the right to raise your premiums according to your pet's age instead of just inflation, so you may find you're spending way more as your pet gets older. </p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/aspca-pet-insurance-reviews" data-analytics-product-module="body_link" rel="">ASPCA pet insurance review</a>.</p><h2 data-toc-label="Best for Chronic Conditions" id="best-for-chronic-conditions" class="toc-anchor">Best Pet Insurance for Chronic Conditions</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="637d78bbd6a5350011cfbf60" data-analytics-product-brand="American Pet Insurance Company" data-analytics-product-name="Trupanion Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=trupanion">Trupanion Pet Insurance</a></h3><p>If you're looking for flexible coverage and have a forgiving budget, consider Trupanion. It provides illness and accident coverage for cats and dogs, including plans without limits and a lifetime, per-condition deductible, saving you money if your pet has recurring health issues. However, if your pet contracts a variety of illnesses, your better off with one of the other companies on this list. </p><p>The most crucial distinction for Trupanion is its low out-of-pocket costs. Eligible customers can choose a $0 deductible with 90% reimbursement. So in a pet emergency, you only pay 10% of eligible vet bills, though a $0 deductible policy will have high monthly premiums. Trupanion also has the unique ability to pay eligible vets directly, so you don't have to go through claims every time you take your pet to the vet.</p><p>Pets over 14 years old are ineligible for coverage, and illness coverage has a 30-day waiting period. But Trupanion also offers valuable add-ons that'll cover boarding fees if a pet owner is hospitalized, behavioral and rehabilitative therapy, and coverage for unintentional property damage caused by a pet. </p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/trupanion-pet-insurance-review" data-analytics-product-module="body_link" rel="">Trupanion pet insurance review</a>.</p><h2 data-toc-label="Best for 100% Reimbursement" id="best-for-100%-reimbursement" class="toc-anchor">Best Pet Insurance for 100% Reimbursement</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="633dadc763de0100184948c2" data-analytics-product-brand="Figo" data-analytics-product-name="Figo Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=figo">Figo Pet Insurance</a></h3><p>Figo is unique in that it offers a 100% reimbursement option. In short, under one of its plans, you'll be covered for 100% of your eligible pet expenses after you meet your annual deductible. In addition, it offers plans with lower yearly reimbursement maximums. The more you pay in premiums, the less you pay at the time of service, and vice versa.</p><p>Its comprehensive pet insurance plans include coverage for non-routine dental care, alternative treatments, and hereditary conditions. You can even add preventative coverage with wellness care and vet exam fees.</p><p>Added benefits of Figo pet insurance plans include a shorter than average one-day waiting period for accident coverage, a 24-hour pet telehealth line, and its Pet Cloud app to make your pet's vet records much more manageable.</p><p>Furthermore, <a href="https://www.businessinsider.com/personal-finance/pet-insurance/costco-pet-insurance-review" data-analytics-product-module="body_link" rel="">Costco members</a> can access a 15% discount on Figo plans. </p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/figo-pet-insurance-review" data-analytics-product-module="body_link" rel="">Figo pet insurance review</a>.</p><h2 data-toc-label="Best for Exotic Pets" id="best-for-exotic-pets" class="toc-anchor">Best Pet Insurance for Exotic Pets</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="637d7a17d6a5350011cfbf6f" data-analytics-product-brand="Nationwide" data-analytics-product-name="Nationwide Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=nationwide">Nationwide Pet Insurance</a></h3><p>Nationwide is a familiar name for home, auto, and life insurance. But did you know it also offers pet insurance plans? You can buy coverage for dogs, cats, birds, and some exotic pets, which is uncommon in the industry. In addition, there are no age limits for pet coverage with Nationwide. Nationwide pet insurance plans are available in every state. So whether you have a dog, lizard, horse, or iguana, you won't have an issue finding pet insurance coverage.</p><p>Nationwide's Whole Pet plan covers illnesses, accidents, and some hereditary and congenital conditions, but does not cover wellness treatments. You'll be able to cover preventive care costs with its Major Medical with Wellness plan, but this lacks hereditary and congenital condition coverage. </p><p>It's worth noting that Nationwide has recently announced non-renewals for approximately 100,000 policies from now until the summer of 2025 as a result of rising vet costs and inflation. This may signal some future financial uncertainty, so dog and cat owners may want to look elsewhere for long-term coverage. However, if you have an exotic pet, Nationwide is one of your only options. </p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/nationwide-pet-insurance-review" data-analytics-product-module="body_link" rel="">Nationwide pet insurance review</a>.</p><h2 data-toc-label="Best for Broad Coverage" id="best-for-broad-coverage" class="toc-anchor">Best Pet Insurance for Broad Coverage</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="633dae1e1262460018d13aab" data-analytics-product-brand="Spot Insurance Services LLC" data-analytics-product-name="Spot Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=spot">Spot Pet Insurance</a></h3><p>What's excellent about Spot is that it offers a wide variety of policies, including coverage for both accident and illness, accident-only, and an optional wellness plan for an additional fee. Additionally, it has a 14-day waiting period for accidents, illnesses, ligament and knee issues, like ASPCA.</p><p>Spot Pet Insurance will reimburse exam fees (for select conditions), end-of-life expenses, and prescription food as part of its accident and illness coverage. Most pet insurance providers exclude these benefits from their coverage. Qualified pet parents may also choose unlimited annual coverage. Spot has pet insurance for accidents, illness, and wellness add-ons for dental cleanings, wellness exams, certain vaccines, and more.</p><p>Spot pet insurance premiums are high compared to some other pet insurance competitors. Spot also increases your premiums annually based on your pet's age.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/spot-pet-insurance-reviews" data-analytics-product-module="body_link" rel="">Spot pet insurance review</a>.</p><h2 data-toc-label="Best for Pre-Existing Conditions" id="best-for-pre-existing-conditions" class="toc-anchor">Best Pet Insurance for Pre-Existing Conditions</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63ed3047f8ab1f0011ebaecd" data-analytics-product-brand="Independence American Insurance Co" data-analytics-product-name="AKC Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=akc">AKC Pet Insurance</a></h3><p>The American Kennel Club's pet insurance plans are available for all pets, not just registered purebred dogs. So you can sign your mixed breed dog or cat up for AKC's pet insurance and choose from various optional add-ons. This includes coverage for exam fees, wellness care, and final expenses, and breeding coverage, which is an uncommon add-on.</p><p>You'll get 30 days of free coverage if you register your new pup for an American Kennel Club membership. But pet parents with senior pets may want to consider other pet insurance companies. Pets nine years old or older will only be eligible for accident coverage when you buy your policy. You'll also need to sign up your pet before their second birthday to qualify for the AKC's optional coverage for hereditary or congenital conditions.</p><p>American Kennel Club is unique because it covers both curable and incurable <a href="https://www.businessinsider.com/personal-finance/pet-insurance/preexisting-conditions-in-dogs" data-analytics-product-module="body_link" rel="">pre-existing conditions</a> after a 12-month waiting period. By contrast, other pet insurance companies may cover curable pre-existing conditions after a symptom-free waiting period, but almost all pet insurance companies don't cover incurable conditions at all.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/akc-pet-insurance-review" data-analytics-product-module="body_link" rel="">AKC pet insurance review</a>.</p><h2 data-toc-label="Best for Unlimited Annual Coverage" id="best-for-unlimited-annual-coverage" class="toc-anchor">Best Pet Insurance for Unlimited Annual Coverage</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="637e8e71d6a5350011cfc5ab" data-analytics-product-brand="Pumpkin" data-analytics-product-name="Pumpkin Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=pumpkin">Pumpkin Pet Insurance</a></h3><p>Pumpkin Pet Insurance offers comprehensive pet insurance with an option for unlimited coverage. Unlike many other pet insurance providers, Pumpkin offers coverage for preventable diseases (excluding pre-existing conditions) like Lyme or parvovirus.</p><p>In addition, Pumpkin only requires a 14-day waiting period for breeds with common hereditary conditions like hip and joint problems. In contrast, other providers may require waiting periods of up to 60 days. The waiting period is for current and future treatment. So if your pet presents with any of the listed health conditions within the waiting period, that condition and any related vet bills will not be covered in the future.</p><p>With Pumpkin, you can get a quote for your pet quickly and easily. You will have fewer options to choose from when it comes to coverage, but the available options are above average compared to other pet insurance providers.</p><p>Finally, the company won't decline coverage based on a pet's age. Specific policies also cover advanced treatments for things like behavioral therapy and acupuncture.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/pumpkin-pet-insurance-review" data-analytics-product-module="body_link" rel="">Pumpkin pet insurance review</a>.</p><h2 data-toc-label="Best for Affordable Premiums" id="best-for-affordable-premiums" class="toc-anchor">Best Pet Insurance for Affordable Premiums</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61fae730ce36660013ccb153" data-analytics-product-brand="Lemonade Insurance Company" data-analytics-product-name="Lemonade Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=lemonade">Lemonade Pet Insurance</a></h3><p>Are you looking for pet insurance that won't break the bank? Consider Lemonade Pet Insurance, which offers coverage that starts at just $12 monthly. In addition, some of Lemonade's cheaper wellness plans provide coverage for wellness checks, preventative care, and extended accident and illness coverage. Whether shopping for a new pet insurance policy or adjusting your current plan, Lemonade's website and app provide easy-to-use quoting tools.</p><p>If you have other items to insure, you can save even more. Customers who bundle their pet insurance with coverage for, say, your car or rental will get a 10% discount. You can also get 5% off for paying a full year's premium upfront and a 5% discount per policy for two or more pets. Unfortunately, Lemonade pet insurance is only available in some states. You can check its website or run a quote to find out if Lemonade pet insurance is available for your pets.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/lemonade-pet-insurance-review" data-analytics-product-module="body_link" rel="">Lemonade pet insurance review</a>.</p><h2>How to Pick the Right Pet Insurance Plan For You</h2><p>When looking for pet insurance plans, comparing different providers is essential to find the best coverage and price. Some factors to consider include the cost of premiums, the amount of coverage offered, the waiting period for coverage of pre-existing conditions, and the reimbursement percentage for veterinary care.</p><p>It's also important to read the fine print to understand what is and isn't covered. For example, many pet insurance policies don't cover routine vet care such as vaccinations and annual checkups. It should also be noted that pet insurance companies don't necessarily define "pre-existing conditions" the same way every time. For example, some companies provide coverage for "curable" conditions. If your pet needs expensive surgery or treatment, you may only receive a fraction of the cost back from the insurance company.</p><p>Pet insurance can be a great way to protect yourself from costly vet bills in an emergency. So, do your homework and shop around to find the best policy for your pet.</p><h2>Key Features of Top Pet Insurance Plans</h2><p>Pet insurance plans may differ when it comes to specifics, but in general you'll want to look for a policy that provides as much coverage as possible, with few exceptions or exclusions.</p><h3>Comprehensive Coverage Options</h3><p>Comprehensive pet insurance will cover both accidents and illness, and some even include preventive care like wellness checkups. In general, you should purchase the policy that offers the most comprehensive coverage — especially if you foresee any issues arising with your pet. </p><p>Some benefits are less common than others. It's worth checking to see if a company includes prescription food coverage, end-of-live benefits, and congenital/hereditary condition coverage. You should also see how your policy handles curable pre-existing conditions.</p><p>A comprehensive pet insurance policy will cost more than an accident-only plan, but it should still be relatively affordable, and it could make a big difference if your pet needs care down the line.</p><h3>Customizable Policies and Deductibles </h3><p>Most pet insurance plans let you customize coverage (to include or exclude things like wellness visits) and customize your deductible. You can choose to pay a higher deductible, which will lower your monthly pet insurance payment, or you can pick a lower deductible, which will mean a higher monthly premium. The best option for you really depends on your financial situation and whether you expect large vet bills anytime soon.</p><p>When purchasing a plan, you should also note any per-incident or lifetime limits on your policy. If you hit a lifetime limit on your policy, you'll have to switch insurance providers. In doing so, you'll lose coverage for the conditions your pet developed while under previous coverage.</p><h2>Cost Consideration for Pet Insurance</h2><h3>Premiums and Value for Money</h3><p>Cost is one of the primary considerations when choosing a policy for your pet. The best pet insurance policy will save you more money than you spent on premiums.</p><p>You'll want to find policies that cover the most costs while charging the least. This could mean finding the most comprehensive policy or reducing your coverage for a smaller monthly premium. For example, accident-only coverage is often far cheaper than comprehensive coverage. You can find our guide on the <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-cheap-pet-insurance-companies" data-analytics-product-module="body_link" rel="">best cheap pet insurance</a> here.</p><p>On the other hand, you may also opt for a policy that has preventative care coverage. This can cost more than a standard policy, but can prevent your pet from getting sick, saving you money in the long run.</p><h3>Discounts and Savings Opportunities</h3><p>Unfortunately, the cost of pet insurance is largely out of your control, dependent on your pet's breed and age. That said, there are ways that you can still save without influencing the underwriting process. For one, you can opt for multi-pet insurance as many of the <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-multi-pet-insurance-companies" data-analytics-product-module="body_link" rel="">best multi-pet insurance</a> companies offer discounts of up to 10%.</p><p>Additionally, some of the larger companies that offer multiple types of insurance may allow you to bundle your pet insurance with other types of insurance, like auto or home. </p><h2 data-toc-label="FAQ" id="faq" class="toc-anchor">Best Pet Insurance FAQ</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the best and affordable pet insurance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The best pet insurance for you depends on factors like your pet's breed, age, and the coverages you need. Business Insider rated Lemonade pet insurance as the best for low-cost coverage, so it could be a good choice if affordable monthly costs are a priority. You can also check out our guides on the best cheap pet insurance and best multi-pet insurance for more options.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much does pet insurance cost? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The cost of pet insurance varies based on factors like your pet's age, species, location, and coverage level. Most people can expect to pay between $30 and $50 per month for a decent pet insurance plan.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do I need comprehensive pet insurance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Comprehensive pet insurance can be a good option if your pet is older or more prone to illness or injury. It's essential to weigh the cost of insurance premiums against potential vet expenses to decide if comprehensive coverage suits your situation.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it worth having pet insurance for a dog? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Pet insurance is generally worth it for dogs, as it can save you significantly on vet bills annually. In emergencies, or for routine care with some policies, pet parents can lessen their financial burden, which may help ensure pets receive the care they need.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is pet insurance effective immediately? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, pet insurance is not effective immediately. All providers have a waiting period before coverage starts, typically 14 days.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: Criteria for Choosing the Best Pet Insurance</h2><p>When it comes to pet insurance, there are a lot of providers from which to choose. So how do you know which one is the best for your pet?</p><p>We reviewed 30 pet insurance providers for our guide on the best pet insurance. The factors we considered included, but were not limited to:</p><ul><li>Plan coverage limits</li><li>Exclusions (such as pre-existing conditions or hereditary conditions) and exceptions</li><li>Flexibility of policy (customizations to deductibles, percent reimbursed, and coverage limits)</li><li>Policy pricing</li><li>Available add-ons</li><li>Customer reviews and satisfaction</li></ul><p>We started by looking at what type of coverage each provider offers. We focused on companies that provided good coverage options and rates, as well as customer service that is friendly and helpful. Finally, we compared plan rates to ensure these providers offered affordable coverage.</p><p>You can learn more about <a href="https://www.businessinsider.com/personal-finance/pet-insurance/methodology" data-analytics-product-module="body_link" rel="">how Business Insider rates pet insurance products</a>.</p><h3>Pet Insurance by State</h3><ul><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/california" rel="">Best pet insurance in California</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/colorado" rel="">Best pet insurance in Colorado</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/georgia" rel="">Best pet insurance in Georgia</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/illinois" rel="">Best pet insurance in Illinois</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/minnesota" rel="">Best pet insurance in Minnesota</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/new-jersey" rel="">Best pet insurance in New Jersey</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/new-york" rel="">Best pet insurance in New Yor</a><a href="https://www.businessinsider.com/personal-finance/pet-insurance/new-york" rel="">k</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/oregon" rel="">Best pet insurance in Oregon</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/pennsylvania" rel="">Best pet insurance in Pennsylvania</a></li><li><a href="https://www.businessinsider.com/personal-finance/pet-insurance/texas" rel="">Best pet insurance in Texas</a></li></ul><div id="businessinsider-quote-form"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" id="businessinsider-quote-script" data-consent="MARKETING" data-onload="initQuoteEngine()" data-src="https://quote.petted.com/Scripts/lib/widgets/businessinsider/quote-form/widget.min.js" data-async="true" data-defer="true"></div> <script defer=""> function initQuoteEngine() { QuoteEngine.setOptions({ targetId: "businessinsider-quote-form", redirectUrl: "https://quote.petted.com/quote", baseUrl: "https://quote.petted.com/", urlParam: { source: 'Business Insider Quote Widget', utm_source: '', utm_medium: '', utm_campaign: '', utm_content: '', utm_term: '', }, refCode: 'businessinsider', }); QuoteEngine.init(); }; </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/meghan-hunter" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="meghan-hunter"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62d98498d0011000190fd4a1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Meghan Hunter."> <noscript> <img src="https://i.insider.com/62d98498d0011000190fd4a1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/meghan-hunter" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Meghan Hunter</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Meghan Hunter is a personal finance and travel expert who has been writing about travel, credit cards, and miles and points since 2015. Previously, she worked as a writer and editor at Million Mile Secrets and The Points Guy. She covers travel, credit cards, and travel insurance for Personal Finance insider.</span> <span>Beyond travel, she's passionate about real estate investing and encouraging women toward financial independence. When she's not writing or editing, you can find her looking for her next investment or reviewing her retirement goals.</span> <span>Meghan lives in Portugal with her adventure-loving daughter. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.</span><span>The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - 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