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Best Pet Insurance Plans

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Last Updated November 2022

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crown iconBEST OF THE BEST
Spot Pet Insurance

# 1



DESCRIPTION


Spot Pet Insurance

Spot is a recent addition to the pet insurance industry, but has quickly gathered recognition. This...

FEATURES


  • 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

Pros


  • Covers virtual and mobile vet checkups
  • Zero annual, per incident or lifetime caps
  • You can visit any licensed vet in the US
  • Offers virtual training
  • Variety of reimbursement, annual limits and deductions options
BEST BANG FOR THE BUCK
Lemonade

# 2



DESCRIPTION


Lemonade

Lemonade is a company that sells pet insurance online, allowing customers to access its services via...

FEATURES


  • Rates - The lowest sample premium for cats costs $11.00, while the lowest sample premium for dogs costs $19.44.
  • Benefits - The insurance covers extensively and has affordable pricing.
  • Covers - Cats and dogs.
  • Mobile App available - Yes.

Pros


  • The company has a quick claim processing rate in its mobile app.
  • A portion of payments made to the company is donated to pet-related charities.
  • The company offers multiple discounts for clients in annual payments, insuring numerous pets, among others.
Figo

# 3



DESCRIPTION


Figo

With the introduction of Figo in Chicago in 2011, pet owners now have access to insurance that will...

FEATURES


  • Mobile App - Available
  • Deductible - $100 -$1500
  • Suitable For - Dog and cat insurance

Pros


  • You enjoy unlimited, round-the-clock, free access to a live vet.
  • Refunds are available for 30 days. Do you feel dissatisfied with the quality of your service? Your premiums will be refunded if you do not claim during the first 30 days.
  • You can connect with Figo's helpful customer care staff in various ways, such as through phone, email, text message, or fax.
Pumpkin

# 4



DESCRIPTION


Pumpkin

Pumpkin is a great pet provides affordable plans with an option for non-insurance preventative care...

FEATURES


  • 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

Pros


  • 14-day waiting time for all conditions
  • 10% discounts for multiple pets
  • Visit any licensed vet in the US or Canada
  • Get refund of up to 4 puppy vaccines and a non-insurance preventative ad-on
  • Covers dental illness
  • Covers behavioral conditions
Embrace

# 5



DESCRIPTION


Embrace

Embrace is another excellent pet insurance service that offers comprehensive coverage for dental con...

FEATURES


  • 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

Pros


  • 24/7 pet health line
  • Vet inspection fees covered
  • Alternative wellness rewards program
  • Offers accident-only package
  • Emergency care at any certified vet institution
  • Available in 50 states and Washington DC.
  • Accident-only plan available
  • Emergency care and hospitalization at any licensed clinic
  • Vet exam fees covered
Fetch

# 6



DESCRIPTION


Fetch

Fetch by the Dodo, formerly Petplan, features among the best pet insurance companies. The company’s...

FEATURES


  • Rates - The sample premium for cats costs $35.25, while the sample premium for dogs costs $20.16
  • Benefits - The company offers comprehensive coverage for pet illnesses and accidents.
  • Covers - Cats and dogs
  • Mobile App available - Yes

Pros


  • The company is a partner to a top animal brand, The Dodo.
  • The company’s pet insurance policies cover injuries and dental illness.
  • The company has no upper age limit restrictions for pets.
  • The insurance covers pets’ exam fees.
  • The company offers 30% off premiums credit for healthy pets.
  • Fetch insurance covers advertising fees and reward money for lost or stolen pets.
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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.

Advertisers and marketers have flooded this internet with tons of Pet Insurance that claim to be the best. It can be hard to know which one is the best out of all those options. This article will give you a list of 11 Pet Insurance so you can make an educated decision before choosing what’s right for you.