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Last Updated on April 11, 2024 by Insurdinary Editorial Team | Fact Checked by Rhonda Gary -->
Whether you have a lovable pooch or a friendly feline, your pet deserves to live a healthy and happy life. In a world of ever-increasing veterinary care costs, pet parents are doing whatever they can to save some money while making sure their furry friends get the best care possible. Pet insurance is paving the way to more affordable vet care, but it can be difficult to navigate the hundreds of options out there.
The top pet insurance providers in the United States offer plenty of coverage, flexible and affordable premiums, and other benefits that can help protect your pet's well-being. Pet insurance is similar to your typical health insurance plan; it has coverage limits, deductibles, and coverage exclusions. Most pet insurance companies reimburse you for covered services, so you'll have to pay the vet upfront.
Pet insurance also comes in multiple forms, from accident-only that just covers emergency situations to wellness plans that help pay for routine check-ups and essential vaccinations. Once you know how much coverage you want, you need to find the right provider. To help simplify your search, we put together this list of the best pet insurance plans in the U.S.
When you think of the American Society for Prevention of Cruelty to Animals, you probably think of the organization's animal rescue efforts. However, ASPCA is also one of the leading pet insurance companies in the U.S.
While the insurer doesn't have an upper age limit, your pet must be at least eight weeks old to be eligible for coverage. You can enroll in accident and illness insurance, preventative care insurance, or accident-only insurance.
ASPCA Pet Health Insurance is available in all 50 states, but you may have to wait 30 days for your claim to process. Here are what typical costs look like for this provider:
ASPCA is one of the top pet insurers in the United States because it covers almost everything your pet could need, including:
The above coverage is what you can get with accident and illness insurance. If you want less coverage and a lower monthly premium, you can opt for an accident-only policy that covers broken bones, cuts, bites, and other emergency services. You can also add a wellness plan to either option, which covers basic preventative services like exams, vaccinations, and more.
One of the things that makes ASPCA Pet Health Insurance unique is that dogs and cats aren't the only types of animals that qualify for coverage. ASPCA is one of the few insurers in the U.S. to also offer coverage for horses.
Next on our list of the top pet insurance providers in the United States is Figo. This insurer offers accident and illness plans for cats or dogs in all 50 states but doesn't offer accident-only plans.
Figo is a pet-parent favorite due to its affordable rates and customizable plan options:
Figo's accident and illness plans offer comprehensive coverage that helps your pooch or kitty get the care they need:
You also have two add-on options: a wellness plan and the Extra Care Pack. While the wellness plan covers preventative services like vet exams, the unique Extra Care Pack helps cover boarding fees as well as the costs of services like cremation and burials.
Figo is one of the only insurers to offer plans with 100% reimbursement rates. It also doesn't cap how many claims you can file per condition.
When looking for premium pet coverage providers, you need to find a company that offers the ideal balance of coverage and cost. Spot Pet Insurance Services, LLC has a wide range of coverage options for affordable monthly premiums. Although Spot Pet Insurance Services, LLC only covers dogs and cats, it has two available wellness plans and unlimited coverage options.
Like other insurance providers, Spot has a 14-day waiting period for coverage availability. Your pet must also be at least eight weeks old to be eligible for coverage, but the insurer does not have any upper-age limitations.
Spot Pet Insurance Services, LLC excels in plan customization options, both in terms of costs and coverage:
You can enroll your cat or dog in an accident and illness policy or accident-only policy. The insurance provider also offers a Wellness Rewards plan, which can help cover preventative pet healthcare costs. The Wellness Rewards plan comes in two levels: Gold and Platinum.
While your coverage depends on the plan you go with, you can typically expect coverage for the following:
Spot Pet Insurance Services, LLC gives you plenty of opportunities to save even more money on your pet's healthcare. If you have more than one furry friend, you can take advantage of the company's 10% multipet discount. Plus, it will reduce your annual deductible if you go a full year without filing a claim.
Embrace Pet Insurance is another popular pet insurance provider that offers multiple discounts and levels for wellness plans. Dog and cat parents in any of the 50 states can enroll in an Embrace Pet Insurance plan, but if your pet is over 14, you'll only be able to get an accident-only plan.
Embrace has a dedicated mobile app that makes it easy to manage your policy from wherever you are. While you'll have the typical 14-day waiting period for coverage, you may have to wait 180 days before Embrace Pet Insurance will cover any orthopedic injuries; however, this waiting period becomes 14 days if you schedule a vet exam.
As one of the top pet insurance providers in the United States, Embrace Pet Insurance offers a Health Pet Deductible that reduces your deductible by $50 for each year you don't submit a claim.
With an impressive number of coverage options, Embrace Pet Insurance makes it easy for you to customize your plan according to your pet's unique needs. You can expect the following types of coverage:
While the typical minimum age for insurance enrollment is eight weeks, Embrace Pet Insurance allows you to enroll dogs or cats that are only six weeks old. You can also take advantage of the company's multiple discount options, which include a 10% multipet discount and a 5% military discount, though this discount is not available in New York or Tennessee.
For preventative medicine and routine vet care alone, dog owners in the U.S. spend at least $410 annually, while cat owners spend a minimum of $300 each year, according to CBS. To help offset costs, pet owners are taking advantage of pet insurance.
When deciding which plan is best for your lovable furball, you need to consider your pet's current health condition, how active they are, and their breed since some breeds are more expensive to insure than others. You also need to think about your budget and whether you prefer to pay a higher monthly premium for a lower deductible or have lower monthly premiums and a higher deductible.
At Insurdinary, our easy-to-use website can help you explore the top pet insurance providers in the United States. By considering your budget and pet's needs, we can help you make a well-informed decision. Get started today.