quoraBest Pet Insurance Plans - Comparison411.com
Comparison411 logo

Best Pet Insurance Plans

If you fancy adding financial security for your household, pet insurance plans are an excellent start. These services offer a way to protect yourself from the financial constraint of a pet who requires expensive medical attention. As such, most pet owners purchase pet insurance plans to try and mitigate costs and other unforeseen veterinary emergencies. And while the plans cost minimum monthly rates, you can get coverage of up to tens of thousands of dollars from unplanned veterinary bills.

Last Updated April 2024

Allstate Pet Insurance  banner

Allstate Pet Insurance

  • Best For - Pet owners seeking comprehensive and reliable pet insurance coverage
  • Rating - 4.5/5

You may benefit from Allstate Pet Insurance if you are a pet owner looking for comprehensive and reliable coverage for your furry companions. This pet insurance provider employs a dedicated team to ensure that your pets receive the best care possible. The expertise of Allstate Pet Insurance extends to various aspects of pet health, providing assistance and coverage for a wide range of medical needs.



Allstate Pet Insurance  logo
Everything Pet Place banner

Everything Pet Place

  • Best For - Pet owners looking for comprehensive pet insurance coverage
  • Rating - 4.4/5

Everything Pet Place specializes in providing pet insurance plans designed to offer peace of mind to pet owners.

Everything Pet Place offers a valuable solution for pet owners seeking to protect their furry companions with comprehensive pet insurance. With their extensive coverage options, customization, and commitment to ongoing support, they provide a reliable means of ensuring your pet's health and well-being



Everything Pet Place logo
MetLife banner
  • Best For - Pet insurance offered by a trusted insurance provider
  • Rating - 4.2/5

MetLife Pet Insurance, founded in 2004 and with its headquarters in New York City, provides pet insurance for cats and dogs of all ages and breeds and is notable for having among the industry's lowest waiting times. The company has been providing basic and optional coverage for insurance for over a century.

If you have insurance with MetLife Pet Insurance, you can take your pet to any U.S.-based vet or emergency clinic and be reimbursed for all or most of the cost. MetLife Pet Insurance does not have any breed restrictions on its policies, and they provide a range of coverage options. An annual checkup or proof of past veterinary care is not necessary to enroll.



MetLife logo
Pets Best banner
  • Best For - Comprehensive pet insurance coverage for various needs
  • Rating - 4.3/5

Pets Best is an excellent option for your household pets. The service doesn’t restrict on the age limit – good news if you have ageing pets. Worth mentioning, Pets Best doesn’t cover pre-existing conditions. Additionally, the service offers three varying accident illness policies to consider, including Essential, Plus and Elite.

Thankfully, regardless of the plan you select, you’ll get covers for:

  • Accidents
  • Illness
  • Cancer treatments
  • Hereditary and congenital conditions
  • Emergencies
  • Behavioral issues

Pets Best also gives you the option to add two wellness coverage to either of three plans for your pet’s routine treatment.



Pets Best logo
ASPCA banner
  • Best For - Supporting animal welfare with pet insurance options
  • Rating - 4.3/5

American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization that aims to prevent cruelty to animals. The organization also offers pet insurance policies from the United States Fire Insurance Company (USFIC). Thankfully, ASPCA doesn’t have a specific network, as such, you can visit any certified vet in the US or Canada for treatment. Furthermore, the organization offers a 24/7 pet tele-health line to call.

Additionally, ASPCA offers fairly priced premiums compared to its competitors. You can get yearly limits starting at $3,000, reimbursements of 70% to 90% for covered costs paid via check or direct deposits.

All of ASPCA plans cover for:

  • Accidents
  • Illness
  • Hereditary and congenital conditions like dysplasia
  • Behavioral health conditions

What’s more, ASPCA further offers two separate policies for horses, including Colic and Accidents



ASPCA logo
Trupanion banner
  • Best For - Direct payment to veterinarians for faster claims processing
  • Rating - 4.4/5

Trupanion is a massive Seattle-based pet insurance service that provides covers for both cats and dogs in select countries, including the US, Canada, Australia, and Puerto Rico. The company stands out with its stands out with its coverage for dysplasia as well as hereditary conditions like diabetes, upper respiratory illness and thyroid infections.

Trupanion offers monthly premiums that start at $32 for cats and $59 for dogs. The policies cover:

  • Congenital conditions like heart illness, cataracts, and nervous system ailments
  • Unknown conditions like vomiting, diarrhea, and coughs
  • Extra fees for recovery and hospitalization care for non-clinical treatments, such as behavioral modification, rehabilitative therapy and acupuncture.

The service also sells a lifetime per condition deductible package that only demands you pay a deductible fee if your pet contracts a new condition. It gets better, if your local vet accepts payment via the Trupanion software, the service will handle direct payments without hassling you to file a claim.

Worth mentioning, Trupanion has recently announced its plans for residents in Florida, and it promises exciting new product that features more transparency, benefits and financial flexibility.



Trupanion logo
Pawp banner
  • Best For - Affordable and unlimited virtual vet consultations
  • Rating - 4.2/5

Pawp is another great pet insurance service option that lets you cover up to 6 pets in your household with a single plan. The service offers an emergency fund instead of reimbursement when you visit your local vet. According to Pawp, spending $19 a month guarantees access of up to $3,000 emergency protection. You can get annual benefits from the emergency fund, and an option to use it on any other 6 different pets in your household. Best part, Pawp makes direct deposits to vets and saves you the hassle of paying out of your pocket and waiting for reimbursements.

Noteworthy, Pawp also offers a unique experience, including an online clinic that gives unlimited 24/7 access to licensed vets through video calls and live chats



Pawp logo
Prudent Pet banner
  • Best For - Pet insurance options for various budgets
  • Rating - 4.1/5

Prudent Pet is an insurance service that is trusted by most customers in the US. The service offers simplified policies that you can easily purchase and manage digitally. Prudent Pet also stands out with its excellent customer service that includes a 24/7 call line, a live chat tool that has actual humans and email ticketing. Prudent’s plans include Accident-only, Essential, and Ultimate. All three offer customizable and deductible reimbursement. You get to pick a plan that suits your budget with the Essential package being the most recommended and offers a whopping $10,000 annual benefit.

The Essential plan covers multiple conditions, including alternative therapies, hereditary and congenital conditions, behavioral disorders, mortality benefit, loss due to theft or stray and more.



Prudent Pet logo
Fetch banner
  • Best For - Coverage options tailored to your pet's needs
  • Rating - 4.3/5

Fetch by the Dodo, formerly Petplan, features among the best pet insurance companies. The company’s insurance policies are administered by LLC, Fetch Insurance Services, and Underwritten by AXIS Insurance Company and XL Speciality Insurance Company.

Fetch Pet Insurance Company operates in all 50 States and Canada. However, some of its features and services are restricted to some states. For example, Fetch’s partner discounts are unavailable in Hawaii, Tennessee, and Florida.

The company’s insurance policy covers illness and injuries on pets. Preventative care like teeth cleaning, vaccination, and spraying are not covered. Clients must read the company’s policy to understand what is covered and what is not.

Fetch pet insurance Company encourages annual wellness visits for all covered pets. The company offers a considerable range of discounts on its premiums to help clients save money.



Fetch logo
Lemonade banner
  • Best For - Tech-savvy and hassle-free pet insurance solutions
  • Rating - 4.4/5

Lemonade is a company that sells pet insurance online, allowing customers to access its services via an app and a user-friendly website. The company offers a wellness plan covering routine vaccinations and vet visits and two illness and accident coverage levels. However, the company’s cover excludes some treatments and is not operational in all states.

Lemonade pays off claims with the remaining funds after withdrawing a flat rate fee from all premiums as its profits. At the end of each year, the company has a policy of donating the extra/ left over to non-profit organizations identified by its policyholders.

Lemonade’s illness and accident policy is comprehensive and can include preventative care rides for annual heartworm and parasite screening, vaccines, and check-ups. You must purchase a separate rider for alternative treatments like acupuncture and vet exams fees.

However, it is worth noting that Lemonade Pet Insurance does not cover pets’ pre-existing conditions. These are all conditions that existed before the purchasing of the policy. The company’s services are also limited to thirty-six states.



Lemonade logo
Healthy Paws banner
  • Best For - Highly rated pet insurance with comprehensive coverage
  • Rating - 4.5/5

Healthy Paws sells lucrative pet insurance plans that start at $20 a month for dogs. The beauty of it, you can make countless claims – making Healthy Paws stand out as the best value ad-don service.

Furthermore, the services provides extensive pet insurance plans covers:

  • Accidents
  • Illness
  • Surgeries
  • Hospital care
  • Emergencies
  • Medical prescriptions

According to Healthy Paws, you to visit any certified 24-hour emergency vet and get treatment services from experts like radiologists, cardiologists, ophthalmologists, oncologists and other medical specialists without a referral. Additionally, Healthy Paws provides cover for pets that are 6 years and above with a complete accident and illness plan as well as unlimited lifetime coverage.

Bear in mind that your pet has to be between 8 to 14 weeks at the time of registration. Additional age restrictions include:

  • Pets older than 8 years old: are limited to 60% reimbursement as well as a $750 yearly deductions.
  • Pets older than 6 years old: have to go through a physical inspection in the first 30 days before or within the first 15 days of purchasing a pet insurance plan.



Healthy Paws logo
Top 11 Pet Insurance Providers


Our Research Has Helped Millions of Users To Get Lowest Prices From Leading Providers.

Our rating system


Compare the best brands side by side


Work only with suppliers you choose


Compare quotes to save money