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The Best Pet Insurance Services

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 July 2022

Pets Best banner
  • Best for - No age limits, low premiums
  • Rates starting at - $6 per month (accident only coverage); $22 and $46 per month (coverage for accidents and illnesses)
  • Benefits - Customizable annual limits, annual deductibles, and 70, 80, or 90% reimbursement
  • Covers - Accidents, illness, cancer therapy, emergencies, behavioral conditions hereditary and congenital conditions

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
Spot Pet Insurance banner

Spot Pet Insurance

  • Best for - Recommended by Cesar Millan, mobile and virtual checkups, virtual training, customizable plans
  • Rates starting at - $39.05 per month
  • Benefits - 70%, 80%, or 90% reimbursement options
  • Covers - Vet treatment, stem cell treatment, cancer therapy, dental care, chronic conditions, medical and food prescriptions, CT, X-rays and MRI scans

Spot is a recent addition to the pet insurance industry, but has quickly gathered recognition. This is highly attributed to its famous status of being the only pet insurer recommended by Cesar Millan – also called “the dog whisperer.”

Spot provides accident and illness covers that entail:

  • Vet treatment
  • Stem cell treatment
  • Cancer therapy
  • Prescription of food and medication
  • Surgery and monitoring
  • CT, X-rays, and MRI scans
  • Dental treatment
  • Chronic conditions

Spot also gives accident-only packages as well as alternative wellness and preventive treatment. Moreover, Spot covers pre-existing conditions if your pet is cured and hasn’t displayed symptoms in 180 days. Ligament and other knee conditions aren’t included in the deal. Worth mentioning, Spot has an impressive pricing structure, and customers are free to select between 70%, 80%, or 90% reimbursement options.



Spot Pet Insurance logo
ASPCA banner
  • Best for - No waiting period for preventative treatment, affordable premiums, microchip implantations
  • Rates starting at - $39.05 per month
  • Benefits - Yearly limits starting at $3,000, reimbursements of 70% to 90%
  • Covers - Accidents, illness, hereditary and congenital conditions, behavioral conditions

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
Healthy Paws banner
  • Best for - Best coverage limits, fast claim processing, mobile app
  • Rates starting at - $37.95 per month
  • Benefits - 60% reimbursement as well as a $750 yearly deductions
  • Covers - Accidents, illness, surgeries, hospital care, emergencies, medical prescriptions

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
Pumpkin banner
  • Best for - Affordable plans, non-insurance preventative care packs
  • Rates starting at - $67.76 per month
  • Benefits - 10% discount for every pet
  • Covers - Surgeries, CT and MRI scans, hospital care, medical prescriptions, microchip implantation, behavioral conditions

Pumpkin is a great pet provides affordable plans with an option for non-insurance preventative care packs and other extras. For instance, its puppy preventive care plan includes a wellness care fee, 4 puppy vaccines, and a single annual fecal test. Furthermore, Pumpkin also refunds up to four vaccines that your puppy has had at any time prior to upgrading to the preventive care package. Pumpkin also offers Preventive Essentials as an optional ad-0don non-insurance benefit, but it’s geo-restricted to certain US states.

The accident and illness plan includes:

  • Surgery
  • CT scans
  • MRI scans
  • Hospital monitoring
  • Behavioral conditions
  • Medical prescriptions
  • Microchip implantation

Worth noting, if you have multiple pets, we recommend Pumpkin’s pet insurance plans and get a 10% discount for every pet. The service also covers ageing pets with no hidden fees.



Pumpkin logo
Embrace banner
  • Best for - Comprehensive coverage, best deductibles, wellness rider
  • Rates starting at - $33.75 per month
  • Benefits - 650% annual reimbursement, wellness rider
  • Covers - Rehabilitation, surgeries, hospital care, medical prescriptions, emergencies, alternative therapy, specialized diagnostics

Embrace is another excellent pet insurance service that offers comprehensive coverage for dental conditions – as low as $1,000 annually in most US states. The policy caters for extractions, crowns, gingivitis, root canals, and fractured teeth. Moreover, its basic plan sells at $6 per month for cats and $12 a month for dogs.

The plans covers:

  • Rehabilitation
  • Emergency vet treatment
  • Alternative therapies
  • Surgery
  • Hospitalization
  • Medical prescriptions

Expert diagnostic testing and treatment including X-ray and MRI scans Provides prosthetics and mobile gadgets. Embrace doesn’t cover for routine cleaning as well as yearly check-ups. Thankfully, you can receive up to 650% annual reimbursement along with a wellness rider. There are also deductions of $100 to $1,000, and includes a $50 reduction fee for every year you don’t make a claim. Best part, if your pet remains healthy, you get zero deductions (if you’ve not made reimbursement claims for consecutive years).

What’s more, you also get $15,000 cap on annual benefits, up to 90% reimbursements, monthly premiums starting at $9 for cats and $13 for dogs. Finally, remember that you can submit your claims via Embrace mobile app.



Embrace logo
Trupanion banner
  • Best for - Available in 4 countries, no benefit limits, lifetime per condition deductibles
  • Rates starting at - $32 for cats and $59 for dogs
  • Benefits - 90% annual reimbursement, unlimited
  • Covers - Congenital conditions, new and unknown conditions, extra cost for recovery and hospital care

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 - Best online clinic, no out-of-pocket payments
  • Rates starting at - $19 per month
  • Benefits - Annual $3,000 emergency protection
  • Covers - Emergencies, expert diagnostics

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 - Most comprehensive plans, money-back guarantee, no age limit
  • Rates starting at - $36.61 per month
  • Benefits - 30-day money-back guarantee; customizable reimbursement and deductibles; $10,000 annual benefits for the accident-only and essential plans; unlimited annual benefits for the ultimate package
  • Covers - Alternative therapy, hereditary and congenital conditions, behavioral conditions, mortality benefit, theft/strays

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
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