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Last updated September 2024
Best Pet Insurance Companies of
2024
Get your vet bills covered
Your furry friend deserves the very best health
care! Compare top pet insurers
now.
The best pet insurance policies provide protection and peace of mind for pet owners, but policies
vary broadly, so choosing the right coverage for your pet can be time-consuming.
To save you time (and money), we’ve looked at the best pet insurance companies out there, narrowing
our list to solid competitors that offer policies for most pets in most parts of the country. Here
are our expert picks for the best pet insurance policies:
Our Best Pet Insurance Companies of 2024
Spot Pet Insurance: Best for Accident and Illness
Embrace : Best for Senior Dogs
ASPCA Pet Health Insurance : Best for Alternative
Therapies
Pets Best : Best for 24/7 Assistance
Figo Pet Insurance : Best for Benefits
MetLife Pet Insurance : Best for Dog Insurance
CarePlus by Chewy : Best for Direct Payment to Your Vet
Fetch Pet Insurance : Best for Cat Insurance
Healthy Paws : Best for No Maximum Claim Payout
Best for Tech-Friendly Claims
Methodology: How We Reviewed the Pet Insurance Companies
The pet insurance industry has seen significant growth over the past decade, evolving from a niche
market into a mainstream solution for pet owners seeking to manage the rising costs of veterinary
care.
To gauge where the industry stands today and what pet insurance providers offer the best options, we
looked at a broad range of coverage features, including:
Pet insurance rates: These can significantly impact your budget, making it essential to compare
policies.
Special waiting period: Understanding the waiting periods for different conditions ensures you
know when your coverage starts.
Direct payment to vet: Direct payments to veterinarians simplify the process, sparing you from
paying large sums upfront and waiting for reimbursements.
24/7 vet health line: Access to a 24/7 vet health line provides immediate professional advice,
crucial for handling unexpected health issues.
Routine wellness plans: Covers preventive care such as vaccinations and check-ups
Pays veterinary exam fees: Coverage here can save you significant money, especially if your pet
requires frequent vet visits.
Euthanasia or end-of-life expenses: Including these expenses in your policy helps manage the
financial burden during emotionally challenging times.
Multi-pet discount: Lowers the overall cost of insuring multiple pets, making comprehensive
coverage more accessible and affordable.
A Closer Look at Our Best Pet Insurance Companies
Spot Pet Insurance - Best For Accident and Illness
Whether your pet is well, sick, or hurt, Spot offers some of the most comprehensive pet insurance
around. The waiting period for accidents, illnesses, or even ligament and knee conditions is just 14
days, and alternative treatments are covered.
Why We Chose Spot: Few insurers offer the number of covered services that Spot does, including
surgery and special care, infectious diseases and diseases from parasites, virtual vet visits, and
microchip implantation.
Customer Experience: Customers are thrilled with Spot Pet Insurance, saying claims get paid quickly
and customer service reps are helpful and friendly. Negative complaints address the no direct-to-vet
payment option and say the mobile app could be better.
Embrace Pet Insurance offers highly customizable plans that allow you to choose your reimbursement
percentage, limit, and deductible for an illness and/or accident plan. Exam fee and prescription
drug coverage are optional add-ons. Embrace’s Wellness Rewards for Routine Care option for puppies
and kittens covers everyday veterinary, training, and grooming expenses.
Why We Chose Embrace: Care and compassion shouldn't end just because a dog grows older. Not every
pet insurance company offers coverage for senior dogs, but even after the age of 15, dogs can
qualify for an accident-only policy with Embrace.
Customer Experience: While there are a few complaints about rates increasing over time, the majority
of customers left glowing reviews for Embrace. When there is a complaint, Embrace customer
representatives are quick to respond and try to resolve the issue.
PROS
✔ Hip dysplasia coverage on all policies
✔ Senior dogs get coverage
✔ 24/7 vet helpline
CONS
✖ Prices on the high side
✖ Exam fees and prescriptions only covered with add-on
Su Guillory is a freelance business writer and expat coach. She’s written several business books
and has been published on sites including Forbes, Nav, SoFi, and AllBusiness. She writes about
business and personal credit, insurance, loans, and credit cards.
