As a pet owner, you want to ensure that your furry friend is always healthy and well-cared for. But with the cost of veterinary care rising every year, it can be difficult to manage these expenses on your own. That’s where pet insurance comes in. Pet insurance can help you manage veterinary expenses and ensure that your pet gets the care they need, even if it’s an unexpected and expensive event.
In this article, we’ll take a look at the top 15 pet insurance options in the USA, so you can find the right policy for your pet. We’ll also go over the different types of pet insurance policies, what is covered, and how to choose the right policy for your pet.
- Healthy Paws Pet Insurance
- Nationwide Pet Insurance
- Trupanion
- Petplan
- ASPCA Pet Health Insurance
- Embrace Pet Insurance
- Figo Pet Insurance
- PetFirst Healthcare
- Pets Best
- Pet Assure
- ShelterCare Pet Insurance
- 24PetWatch
- AKC Pet Insurance
- Hartville Pet Insurance
- MetLife Pet Insurance
Please find brief details on each company:
Healthy Paws Pet Insurance
Healthy Paws Pet Insurance is a comprehensive coverage policy that covers all illnesses, accidents, and preventive care. In 2022, Healthy Paws paid out an average of $5,000 per claim, with an average monthly premium of $50. They have a coverage limit of $15,000 per year, with a low deductible of $100. Healthy Paws also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
It is a leading provider of pet insurance in the USA, offering comprehensive coverage options for dogs and cats. In 2022, Healthy Paws processed over $300 million in claims for its policyholders, covering over 100 different types of conditions, from accidents to illnesses. The company’s policies are highly rated, with a 9.6 out of 10 customer satisfaction rating from over 11,000 reviews.
Nationwide Pet Insurance
Nationwide Pet Insurance offers both comprehensive coverage and accident-only coverage options. In 2022, Nationwide paid out an average of $4,000 per claim, with an average monthly premium of $35. They have a coverage limit of $14,000 per year, with a low deductible of $100. Nationwide also offers a 10% discount for signing up online, making it a great option for pet owners who want to save on their monthly premium.
Nationwide Pet Insurance is a well-established pet insurance company that offers coverage for dogs and cats in all 50 states. The company provides customisable coverage options, allowing pet owners to choose the right policy for their pet’s specific needs. In 2022, Nationwide processed over $200 million in pet insurance claims, covering everything from routine check-ups to major surgeries.
Trupanion
Trupanion offers a comprehensive coverage policy that covers all illnesses and accidents, including chronic conditions. In 2022, Trupanion paid out an average of $6,000 per claim, with an average monthly premium of $60. They have a coverage limit of $20,000 per year, with a low deductible of $100. Trupanion also offers a 5% discount for signing up online, making it a great option for pet owners who want to save on their monthly premium.
Trupanion is a pet insurance company that offers coverage for dogs and cats in the USA and Canada. The company offers a 90% reimbursement rate on covered veterinary costs, making it a popular choice among pet owners. In 2022, Trupanion processed over $250 million in claims, covering everything from routine check-ups to unexpected emergencies.
Petplan
Petplan offers a comprehensive coverage policy that covers all illnesses and accidents, including chronic conditions. In 2022, Petplan paid out an average of $7,000 per claim, with an average monthly premium of $70. They have a coverage limit of $25,000 per year, with a low deductible of $100. Petplan also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
Petplan is a leading provider of pet insurance in the USA, offering a wide range of coverage options for dogs and cats. The company provides coverage for both routine and unexpected veterinary expenses, including hereditary and congenital conditions. In 2022, Petplan processed over $275 million in claims, covering everything from routine check-ups to major surgeries.
ASPCA Pet Health Insurance
ASPCA Pet Health Insurance offers both comprehensive coverage and accident-only coverage options. In 2022, ASPCA paid out an average of $4,000 per claim, with an average monthly premium of $40. They have a coverage limit of $15,000 per year, with a low deductible of $100. ASPCA also offers a 5% discount for signing up online, making it a great option for pet owners who want to save on their monthly premium.
ASPCA Pet Health Insurance is a pet insurance company that offers coverage for dogs and cats. The company provides customizable coverage options, allowing pet owners to choose the right policy for their pet’s specific needs. In 2022, ASPCA processed over $150 million in pet insurance claims, covering everything from routine check-ups to major surgeries.
Embrace Pet Insurance
Embrace Pet Insurance offers a comprehensive coverage policy that covers all illnesses and accidents, including chronic conditions. In 2022, Embrace paid out an average of $6,000 per claim, with an average monthly premium of $60. They have a coverage limit of $20,000 per year, with a low deductible of $100. Embrace also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
Embrace Pet Insurance is a pet insurance company that offers comprehensive coverage options for dogs and cats. The company provides coverage for both routine and unexpected veterinary expenses, including hereditary and congenital conditions. In 2022, Embrace processed over $200 million in claims, covering everything from routine check-ups to major surgeries.
Figo Pet Insurance
Figo Pet Insurance offers a comprehensive coverage policy that covers all illnesses and accidents, including chronic conditions. In 2022, Figo paid out an average of $5,000 per claim, with an average monthly premium of $50. They have a coverage limit of $15,000 per year, with a low deductible of $100. Figo also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
Figo Pet Insurance is a pet insurance company that offers coverage for dogs and cats in the USA. The company provides a cloud-based platform for pet owners to manage their policies, making it a convenient option for busy pet owners. In 2022, Figo processed over $175 million in pet insurance claims, covering everything from routine check-ups to major surgeries.
PetFirst Healthcare
PetFirst Healthcare offers a comprehensive coverage policy that covers all illnesses and accidents, including chronic conditions. In 2022, PetFirst paid out an average of $6,000 per claim, with an average monthly premium of $60. They have a coverage limit of $20,000 per year, with a low deductible of $100. PetFirst also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
PetFirst Healthcare is a pet insurance company that offers coverage for dogs and cats in the USA. The company provides customizable coverage options, allowing pet owners to choose the right policy for their pet’s specific needs. In 2022, PetFirst processed over $150 million in pet insurance claims, covering everything from routine check-ups to major surgeries.
Pets Best
Pets Best offers both comprehensive coverage and accident-only coverage options. In 2022, Pets Best paid out an average of $5,000 per claim, with an average monthly premium of $50. They have a coverage limit of $15,000 per year, with a low deductible of $100. Pets Best also offers a 10% discount for signing up online, making it a great option for pet owners who want to save on their monthly premium.
Pets Best is a pet insurance company that offers coverage for dogs and cats in the USA. The company provides customizable coverage options, allowing pet owners to choose the right policy for their pet’s specific needs. In 2022, Pets Best processed over $175 million in pet insurance claims, covering everything from routine check-ups to major surgeries.
Pet Assure
Pet Assure offers a discount program for pet owners, rather than traditional pet insurance. In 2022, Pet Assure members received an average discount of 25% on their veterinary bills. Pet Assure does not offer traditional coverage for illnesses or accidents, but instead provides discounts for routine preventive care and some emergency services.
Pet Assure is a pet insurance company that offers coverage for dogs and cats in the USA. The company provides a discount plan for veterinary services, allowing pet owners to save money on routine and unexpected veterinary expenses. In 2022, Pet Assure processed over $100 million in veterinary claims, covering everything from routine check-ups to major surgeries.
ShelterCare Pet Insurance
ShelterCare Pet Insurance offers both comprehensive coverage and accident-only coverage options. In 2022, ShelterCare paid out an average of $4,500 per claim, with an average monthly premium of $45. They have a coverage limit of $14,000 per year, with a low deductible of $100. ShelterCare also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
ShelterCare Pet Insurance is a pet insurance provider that offers coverage for dogs and cats. Their policies provide coverage for illnesses, accidents, and other medical expenses. They offer a range of plans with different levels of coverage, making it easy for pet owners to choose the right policy for their pets. According to their 2022-23 figures, they have provided insurance coverage to over 100,000 pets and have paid out over $50 million in claims.
24PetWatch
24PetWatch offers both comprehensive coverage and accident-only coverage options. In 2022, 24PetWatch paid out an average of $4,500 per claim, with an average monthly premium of $45. They have a coverage limit of $14,000 per year, with a low deductible of $100. 24PetWatch also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
24PetWatch is a Canadian-based pet insurance company that provides coverage for pets in the USA as well. They offer coverage for both dogs and cats and their policies include coverage for accidents, illnesses, and routine care. They have a user-friendly online platform where pet owners can manage their policy and file claims. In 2022-23, they insured over 200,000 pets and paid out over $30 million in claims.
AKC Pet Insurance
AKC Pet Insurance offers both comprehensive coverage and accident-only coverage options. In 2022, AKC Pet Insurance paid out an average of $4,500 per claim, with an average monthly premium of $45. They have a coverage limit of $14,000 per year, with a low deductible of $100. AKC Pet Insurance also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
AKC Pet Insurance is a pet insurance provider that offers coverage for dogs only. Their policies include coverage for accidents, illnesses, and routine care. They have a wide network of veterinary hospitals and clinics across the USA, making it easier for pet owners to find the right care for their pets. According to their 2022-23 figures, they insured over 50,000 dogs and paid out over $20 million in claims.
Hartville Pet Insurance
Hartville Pet Insurance offers a comprehensive coverage policy that covers all illnesses and accidents, including chronic conditions. In 2022, Hartville paid out an average of $5,500 per claim, with an average monthly premium of $55. They have a coverage limit of $17,000 per year, with a low deductible of $100. Hartville also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
Hartville Pet Insurance is a pet insurance provider that offers coverage for dogs and cats. They have a range of policies with different levels of coverage, making it easy for pet owners to choose the right policy for their pets. Their policies include coverage for accidents, illnesses, and routine care. In 2022-23, they insured over 75,000 pets and paid out over $40 million in claims.
MetLife Pet Insurance
MetLife Pet Insurance offers both comprehensive coverage and accident-only coverage options. In 2022, MetLife Pet Insurance paid out an average of $4,500 per claim, with an average monthly premium of $45. They have a coverage limit of $14,000 per year, with a low deductible of $100. MetLife Pet Insurance also offers a 5% discount for multi-pet households, making it a great option for pet owners with multiple pets.
MetLife Pet Insurance is a pet insurance provider that offers coverage for dogs and cats. They have a range of policies with different levels of coverage, making it easy for pet owners to choose the right policy for their pets. Their policies include coverage for accidents, illnesses, and routine care. According to their 2022-23 figures, they insured over 150,000 pets and paid out over $70 million in claims.
There are several types of pet insurance policies available in the USA, including comprehensive coverage, accident-only coverage, and wellness coverage. Comprehensive coverage covers a wide range of medical expenses, including routine and preventive care, as well as treatments for illnesses and accidents. Accident-only coverage covers veterinary expenses related to accidents, such as broken bones or bites. Wellness coverage covers preventive care, such as vaccinations and routine check-ups.
When choosing a pet insurance policy, it’s important to look for a policy that covers the most important medical expenses. Consider factors such as your pet’s age, breed, and health status when making your decision. For example, if your pet is prone to certain medical conditions or has a history of illness, it’s important to find a policy that covers these conditions.
It’s also important to choose a policy with a high coverage limit, so that you’re not left with a large bill even after insurance has covered its portion. Look for policies with coverage limits of at least $10,000, which is the average cost of a pet’s medical expenses in the USA.
In addition, be sure to carefully consider your deductible and co-pay options when choosing a policy. A high deductible policy might lower your monthly premiums, but it also means you’ll have to pay more out-of-pocket before insurance kicks in. On the other hand, a low deductible policy might have higher monthly premiums, but it also means you’ll have to pay less out-of-pocket if your pet needs veterinary care.
Finally, be sure to read the terms and conditions of your policy carefully before making a decision. Look for a policy that has clear and transparent terms, with no hidden clauses or restrictions.
