The Best Pet Insurance Companies for 2020

Pet insurance has been a growing industry with the growth of pets, who have now become part of our family. Thus, it is important to see that your pet is doing well. Where comes the pet insurance companies policies that help you to save for medical costs such as wellness visits, immunizations, etc.

Nowadays varying degrees of coverage are offered by the Pet insurance policies. So, we have suggested some of the best options available for different types of pet insurance.

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Best Pet Insurance Companies

 1. Pumpkin

Pumpkin pet insurance offers best in class plans to pet owners in the US. They offer coverage for everyday illness to emergency accidents, helping to reimburse you for a large portion of any covered veterinary bills.


• 90% Reimbursement Rate
• 3 Annual Deductible Options
• $10K – Unlimited annual limit

What is Covered?

Pumpkin insurance covers the following issues associated with both dogs and cats:
• Wide ranges of accident and illnesses as well as care options for diagnosis and treatment
• Hereditary conditions
• Dental Illnesses
• Behavioral Issues
• Vet Exams for Accidents and Illnesses
• Virtual Vet Visits for Accidents & Illness
• Alternative Therapies e.g. Acupuncture
• Prescription Food & Supplements

Verdict: Pumpkin insurance offers a variety of options for dog, puppies, kittens and cats, being a great fit for all of your furry friends’ needs.

2. Embrace

Embrace is one of the highest-rated U.S. pet insurance company. its coverage is broad and it is flexible allowing the customers to more easily tailor benefits to their needs and budget. American Modern Insurance Group has framed the company policies and it is rated A+ by the Better Business Bureau (BBB).


  • The Price of The Coverage offered by embrace starts anywhere from $13 to $20 per month which is usually dependent on your plan opted.
  • The pets which are Enrolled are 8 weeks and older. The pets become eligible at 14 years
  • It offers Benefits of up to $30K/yr
  • It includes Comprehensive illness & accident coverage.
  • The company has an Optional wellness plan covers routine veterinary, grooming, & training costs
  • It includes Customizable annual deductible, annual limit, & reimbursement percentage
  • The embrace Pet insurance involves Waiting Periods involved is usually of 14 days for Illnesses, 2 days for Injuries and 6 months for Orthopedic conditions which also includes cruciate ligament events.

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What is Covered?

Embrace Pet insurance covers the following issues associated with both dogs and cats:

  • Substitute therapies & rehabilitation
  • Behavioral therapy
  • Breed-specific or genetic conditions
  • Cancer
  • Chronic conditions
  • Congenital conditions
  • Dental illness to $1,000/year (Accessible in most states)
  • Diagnostic tests And Exam costs
  • ER & specialist coverage
  • Hospitalization & surgery
  • Prosthetic limbs or other devices like mobility aids

Verdict: Embrace Pet Insurance offers truly customizable policies that can fit anyone’s pet care needs. Thus, Embrace is the Best Value for Price insurance.

3. Figo

Figo is the latest pet insurance company which has impressed us with its coverage details and 100{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} reimbursement option. It also offers lowest pet insurance prices as comparable to other companies.


  • The prices of pet insurance for Cats start around $28 per month and dogs start around $50 per month
  • The pets Enroll are of 6 weeks and older, there is no upper age limit for eligibility of pets for enrolment.
  • It is an Extremely comprehensive coverage pet insurance policy.
  • It offers Up to 100{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} reimbursement
  • It Includes exam fees
  • You can visit any licensed emergency hospital, veterinary practice, or specialist
  • Waiting Periods involved is usually of 5 days for Accidents, 14 days in case of Illness, approx 6 months in case of Cruciate ligament events and knees that can be waived if your vet conducts a healthy knee exam within 30 days of the new policy. Moreover, the vet is required to specifically note down in the medical records that the knees are healthy and have no existing issues and 14 days for Hip Dysplasia.

What is Covered?

Figo Pet Insurance Covers the following conditions related to:

  • Emergency, hospitalization, Surgery, Cancer treatments, Speciality care, Chronic conditions, Hereditary and congenital conditions, and some prescription medications
  • X-rays, MRIs, Cat Scans, Ultrasounds, and Bloodwork, Ligament and knee conditions
  • Hip Dysplasia, Rehabilitation, Prosthetic and Orthotic devices
  • Physical therapy, Holistic and alternative therapies, Stem cell therapy, Behavioural therapy.
  • Non-routine dental treatments, Euthanasia, Boarding kennel fees, Advertising, and reward
  • Loss due to theft or straying, Vacation cancellation (with ultimate plans), and Mortality benefit (with ultimate plans).

Figo insurance also offers an Optional coverage for:

Veterinary exam fees

Verdict: Figo offers policies which you can tailor to your needs and your budget. Moreover, it offers higher levels of pet insurance coverage than many of their competitors but the claims process makes the insurance process easy to file claims and get paid. Thus, Figo is the Best for Life-Saving Care of pets and especially serving as the best pet insurance for cats.

4. Pets Best

Pets Best unique policy allows low-priced pet insurance“Accident-Only Plan.” It is among the least expensive pet insurance company offering a 24/7 Pet Helpline to its customers.


  • The insurance price of Cats start at $18 per month and dogs start at $29 per month
  • The pets Enroll are 6 weeks and older; there is no upper age limit
  • It offers a Comprehensive insurance Coverage that includes the vet exam fee.
  • It offers a great customer service which is top rate and always available
  • It offers Fast, paperless claim reimbursement via Petplan App and Online Discount & Free Barkbox.
  • You can Choose the Annual Deductible from $100-$1,000
  • There are no Lifetime Limits
  • You have an Unlimited Plan Option
  • It offers 24/7 veterinary support line for all customers with a reasonably good coverage
  • There are no hereditary or congenital condition limitations
  • There is no exam required
  • You can Claim repayment averages 5 days or less, as well as a direct deposit option is also available.
  • There is a 30-day free look period which is similar to a money-back guarantee.
  • The Waiting Periods associated with the Pets Best Insurance company will reduce or waive off the waiting periods, according to its policy. Thus, Waiting Periods involved is usually of 14 days for Illnesses and related conditions, 3 days in case of Injuries and related conditions, 6 months in case of Cruciate ligament events and any related conditions and 14 days for Hip dysplasia.

What is Covered?

Pets Best Insurance Covers the following conditions:

  • Trauma
  • Poisoning
  • Bite (animal, insect, snake)
  • Hit by car or moving a vehicle
  • Foreign body ingestion
  • Bone fracture
  • Laceration, cut, abrasion
  • Wound
  • Torn nail
  • Medical problems directly attributable to accidental injury

You can have a clear look at the table to see what’s covered and what’s not covered by the pets best insurance:

Covered by Pets Best Not Covered by Pets Bes
Accidents and injuries Pre-existing conditions
Emergency visits Bilateral Conditions, if your pet had at any time any pre-existing conditions consistent with that same bilateral condition on either side of the body
Hereditary and congenital conditions Organ transplants
Prescription medications Dietary supplements
Wellness coverage (if purchased as a rider) Acupressure
Vet exam fees (in the Plus/Elite plans) Chronic conditions that present signs or symptoms before the policy effective date
Illnesses Burial and cremation
Surgery Acupoint
Bilateral conditions (if not present prior to policy effective date) Herbal remedies
Low level laser therapy (in the Plus/Elite plans) Holistic care
Cancer treatments Aromatherapy
Foreign object ingestion Stem cell therapy
Euthanasia Preventative care
Outpatient care Homeopathy

Verdict: It is the best pet insurance for senior dogs.

5. Nationwide

Nationwide pet insurance offers the most comprehensive policies. Thus, it has become the country’s largest pet insurer. Moreover, it is the only insurer in the U.S. that offers coverage for exotic pets such as birds, iguanas, rodents, tortoises, and pot-bellied pigs. The company is A+ rated by A.M. best.


  • The nationwide pet insurance Coverage price starts anywhere from $12 to $20 based on the pet’s species and other factors
  • The exotic pets and birds Enroll is of 3 months and older; there is no upper age limit for eligibility
  • It is the first and largest pet insurer in the US
  • It covers the spay/neuter Whole Pet & Wellness Plan
  • It offers 24/7 vet helpline access
  • Some home and auto Discounts are available
  • It Insurers most birds and exotic pets
  • An amount of $250 as annual deductible with Unlimited Claims
  • It covers congenital and hereditary conditions.
  • Waiting Periods involved is usually of 14 days for Whole Pet with Wellness and Major Medical plans, 24 hours in case of Pet Wellness plan and 12 months for Cruciate ligament events.

What is Covered?

You can have a clear look at the table to see what’s covered and what’s not covered by the nationwide insurance:

Covered Not Covered
Accidents and illnesses, including hospitalizations and surgeries Diagnosis associated with breeding
Dental surgeries and diseases Boarding, grooming and bathing
Prescription medications Any service or procedure used to prevent, preserve or improve general nutrition or health, even if prescribed by a veterinarian
Cancer Food or treats of any type other than prescription pet food
Hereditary conditions Pre-existing conditions
Congenital conditions  
Chronic and ongoing diseases (e.g., allergies) treatment, tests or procedures associated with breeding
Exam fees Non-veterinary services such as tax and waste disposal
Alternative/holistic therapy Membership fees for medical, wellness, or preventive care plans, clubs, subscriptions, or cash back programs which are provided by your veterinarian or a third-party provider

Verdict: Nationwide insurance is the best insurance for Birds and Exotic Pets.

6. PetFirst

PetFirst has been in the pet insurance business for more than a decade offering a short waiting period for accidents. But, PetFirst insurance was unswervingly categorized among the most expensive pet insurance company.


  • The price for Cats start at $26 per month and dogs start at $32 per month
  • The pets Enroll are 8 weeks and older; there is no upper age limit for eligibility
  • The PetFirst is partnered with the Humane Society
  • There is a Short waiting period before coverage begins
  • It covers Hereditary, congenital & chronic conditions
  • There is No exam required
  • It offers Coverage for exam fees

What Is Covered?

  • Accidental injuries
  • Hereditary illnesses
  • Congenital illnesses
  • Chronic illnesses
  • Short-term illnesses
  • Hospitalization
  • Surgery
  • Diagnostic tests and Examination fees
  • Imaging (x-rays, ultrasounds)
  • Prescription medication
  • Emergency care and Alternative therapies

What Is Not Covered?

  • Pre-existing conditions
  • Elective procedures
  • Routine wellness visits
  • Behavioral training
  • Injuries that result from abuse, racing, organized fighting, etc.
  • Anal gland expression
  • Breeding, pregnancy, whelping
  • Pet food
  • Vitamins or supplements
  • Grooming
  • Parasite and heartworm prevention
  • Parasite treatment and treatment of illnesses caused by parasites
  • Dental care

Verdict: PetFirst is the best insurance for pets with chronic conditions.

7. Healthy Paws

Healthy Paws offers unlimited pet insurance benefits and excellent customer service. We recommend Healthy Paws as the best-bet for pet insurance.


  • The price of Cats starts at $15 per month and dogs start at $30 per month
  • The pets Enroll are of 8 weeks and older; eligibility ends at 14 years
  • It is ranked 1st pet insurance company for customer satisfaction
  • It is a top-ratedpet insurance choice by both LA Times & Seattle Times
  • It is rated A+ by BBB – accredited with over 97 out of 100 rating
  • It offers comprehensive illness and accident coverage
  • There are Unlimited lifetime benefits with no claim caps
  • There are Annual deductible
  • There is a Free mobile app & no claims form
  • Waiting Periods involved is usually of 15-days in case of Illnesses and accidents, 15-days for Cruciate
  • ligament events (bilateral exclusion for pre-existing cruciate ligament injuries and lameness), and 12-months in case of Hip dysplasia.

What Is Covered?

Healthy Paws insurance offers coverage for the following situations:

  • Accidents
  • Alternative treatments
  • Cancer
  • Chronic conditions
  • Congenital conditions
  • Diagnostic treatment
  • Emergency
  • Hereditary conditions
  • Hospitalization
  • Illnesses
  • Prescription medications
  • Specialty Care
  • Surgery
  • X-rays, blood tests, ultrasounds

Verdict: Healthy Paws insurance is the best choice overall and the best pet insurance for unlimited lifetime coverage.

8. Trupanion

Trupanion insurance offers optional dental coverage for the pets. And the average cost of Pet Insurance involved during the for the veterinarian cost is paid out directly at checkout. It offers Covers regarding illness, surgery and herbal therapy.


  • The Rates start around $30 to $40 and differ by breed, species, age at enrollment, gender, and location
  • The Enrollment starts at the birth of Puppies and kittens and their eligibility ends at 14 years
  • There are no bilateral exclusions which refer to a condition or disease that affects both sides of the body
  • The repayment of Claim is made within 60 days and averages 14 days
  • The claims must be submitted within 90 days of the treatment date via mail, email or fax
  • There is a 30-day free look period which is similar to a money-back guarantee
  • It Continues to offer coverage for a pet if its policy transfers to a new owner
  • Waiting Periods involved is usually of 30 days in case of Illnesses, 5 days in case of Injuries and 30 days in case of Cruciate ligament events and hip dysplasia.

What Does Trupanion Cover?

Verdict: Trupanion pet insurance is the Best pet insurance for purebred pets.

9. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is one of the highest-rated pet insurance companies in America. It is known for its efforts in combating animal homelessness and animal cruelty. The offered pet insurance plans are underwritten by United States Fire Company.


  • There is no exam period
  • The insurance Claim repayment averages are of 14-16 days, and direct deposit is an option
  • The claim must be submitted within 270 days from the date of service via the mobile app, mail, email, fax or online
  • It has an Option to pay vets directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement
  • There exists one bilateral exclusion
  • There is a 30-day free look period which is similar to a money-back guarantee
  • The Waiting Period involved is usually 14 days for Accidents and Illnesses, Cruciate ligament events and Hip dysplasia.

What is Covered?

  • Early treatment for their pets before a small issue becomes more serious.
  • Coverage for the essential care a pet owner could want such as hospitalizations, cancer treatment,
  • Diagnostic tests, accidents, illness, injuries, and prescriptions.
  • hereditary and chronic conditions.
  • Congenital conditions
  • Alternative treatment
  • Emergency care
  • Preventative coverage (additional cost)

What They Don’t Cover?

As with any pet insurance company, some of the things that are not covered with ASPCA Pet Health Insurance, are as follows:

  • Pre-existing conditions
  • Breeding or pregnancy
  • Supplements
  • Unethical Procedures (tail docking, ear cropping, etc.)
  • For a full list of exclusions, you can see the ASPCA Pet Medical Insurance sample policy.

Verdict: ASPCA Pet Health Insurance offers the cheapest choice, but have only a few coverage benefits.

10. Petplan Insurance

Petplan insurance is the Best rating pet insurance offering A-grade services to the insurers. It is a London-based pet insurance company.


  • It requires vet exams to establish your pet’s baseline of health
  • The pet insurance must occur within 60 days before or 30 days after enrollment for any age
  • There is a 6-month waiting period for cruciate ligaments and patellas can be waived off.
  • The claims must be submitted within 90 days following treatment via the mobile app, fax, email or mail
  • There is a 30-day free look period which is similar to a money-back guarantee
    There are no claims credit

Waiting Periods

All new Petplan policies are issued by the XL Specialty Insurance Company. the waiting periods associated with these pet insurance policies are:

  • 5 days: Accidents
  • 15 days: Illnesses
  • 6 months: Cruciate and patellas

What Does Petplan Cover?

  • Injuries & accidents
  • Illness
  • Behavioral treatment – including anxiety disorders such as travel and separation anxiety
  • Non-routine veterinary exam fees & sick visits, including specialists and emergency care
  • Dental coverage for oral disease and injuries – including periodontal disease, extractions and advanced
  • Imaging (Xray, MRI, CAT scan, ultrasound)
  • Treatments such as root canal therapy
  • Hereditary and chronic conditions
  • Diagnostic treatment
  • Prescription medications
  • Curable pre-existing conditions
  • Cancer treatment
  • Surgery & rehab
  • Alternative, holistic and homeopathic treatments

Verdict: Filing the claims is very easy and hassle free with Petplan insurance.

10. AKC Pet Insurance

AKC Pet Insurance customizable coverage is offered which fit any pet owner’s budget. It is an exclusive insurance provider of the American Kennel Club since 2003.


  • It is sold under the brand name of PetPartners
  • There is no exam required
  • There exist some Pre-existing conditions
  • It includes Bilateral exclusions relating to cruciate ligament, lameness and other conditions or diseases that affect both sides of the body
  • AKC tries to pay claims within 14 days
  • The claims must be submitted within 180 days via email, fax, mail or the online customer portal
  • There is a 30-day free look period which is similar to a money-back guarantee
  • The Waiting Period involves is usually of 14 days for Illness, 2 days in case of Accidents, 6 months in case of Cruciate ligament events and 30 days in case of Hip dysplasia which is only covered if you purchase the HereditaryPlus Plan.

What Does AKC Cover?

  • Accidents
  • Illnesses
  • Cancer
  • Allergies
  • Behavioral therapies
  • Alternative treatment
  • Wellness and routine care (Optional DefenderPlus Coverage)
  • Spay/neuter procedures (Optional DefenderPlus Coverage)
  • Vaccinations, titer test, flea control, heartworm medication, de-worming (Optional DefenderPlus Coverage)
  • Exam fees (Optional ExamPlus Coverage)
  • Arthritis
  • Final respects memorials and urns (Optional SupportPlus Coverage)

Verdict: AKC Pet Insurance is well-known for its expertise in breed, health and training for dogs.


Compare and buy Pet Insurance covers for your pets which will help you to lower the overall pet insurance costs of veterinary bills of your pet and is similar to health insurance done for humans.


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