Top 8 Pet Insurance Providers in the USA

Pet insurance has become an increasingly important consideration for pet owners in the USA, offering financial protection in case of accidents, illnesses, and unexpected veterinary bills. With numerous options available, finding the right provider for your pet can be daunting. Here’s a look at the top 8 pet insurance companies in the USA, each known for offering comprehensive coverage, flexible plans, and excellent customer service.

1. Healthy Paws

Healthy Paws is consistently ranked as one of the best pet insurance providers in the USA. The company offers a simple, straightforward plan that covers accidents, illnesses, hereditary conditions, and alternative therapies. Healthy Paws is known for its unlimited lifetime benefits, meaning there are no caps on claims, making it ideal for pet owners who want comprehensive coverage without worrying about limits. Claims are processed quickly, and the company has a stellar reputation for customer service.

One unique feature of Healthy Paws is its commitment to helping homeless pets through its Every Quote Gives Hope™ program, where a portion of each quote helps pets in need. This social mission, combined with extensive coverage, makes Healthy Paws a top choice for many pet owners.

2. Trupanion

Trupanion is known for offering comprehensive coverage for accidents and illnesses, with the added benefit of paying veterinarians directly, so pet owners don’t have to deal with reimbursement. This direct payment model is a standout feature in the industry, making it easier for policyholders to manage large vet bills.

Trupanion offers unlimited coverage without payout limits and covers a wide range of conditions, including hereditary and congenital issues. One drawback, however, is that Trupanion doesn’t cover routine care or wellness visits, but its focus on serious conditions and high-dollar treatments makes it an excellent option for pet owners who want peace of mind in case of major health issues.

3. Embrace Pet Insurance

Embrace Pet Insurance stands out for its customizable plans that allow pet owners to select their level of coverage, deductibles, and reimbursement rates. Embrace offers accident and illness coverage as well as an optional wellness plan, which helps cover routine care like vaccinations, checkups, and dental cleanings.

One of Embrace’s unique features is its diminishing deductible. For each year you don’t file a claim, your deductible decreases by $50, which can lead to significant savings over time. Embrace also offers coverage for breed-specific conditions and genetic illnesses, making it a strong option for owners of purebred pets.

4. Nationwide Pet Insurance

Nationwide, a well-known name in the insurance industry, also offers pet insurance plans that are comprehensive and flexible. It is one of the few companies that offers exotic pet coverage in addition to coverage for cats and dogs. Nationwide offers three main plans: Major Medical, Whole Pet with Wellness, and Pet Wellness. These options allow pet owners to choose the level of coverage that best suits their needs and budgets.

Nationwide’s Whole Pet with Wellness plan is particularly popular, as it covers nearly every type of medical care, including wellness exams, vaccinations, chronic conditions, and even some holistic treatments. The company also offers a multi-pet discount, which is ideal for households with multiple pets.

5. Petplan (Now Fetch by The Dodo)

Petplan, now rebranded as Fetch by The Dodo, is a strong contender in the pet insurance market with comprehensive coverage options that include accidents, illnesses, and even dental care. Petplan’s policies also cover hereditary conditions, cancer treatments, and non-routine dental treatments, which many competitors don’t include.

Fetch by The Dodo is known for its excellent customer service and fast claims processing. Another perk is its coverage for up to $1,000 in behavioral therapies, which can be particularly beneficial for pets with anxiety or aggression issues. Although Petplan doesn’t cover routine care, its focus on comprehensive illness and injury coverage makes it a top choice for many pet owners.

6. Figo Pet Insurance

Figo Pet Insurance stands out for its innovative technology and easy-to-use mobile app that allows pet owners to manage claims, view policy details, and access a 24/7 live vet chat service. Figo offers three plans—Essential, Preferred, and Ultimate—with varying levels of coverage.

Figo’s Ultimate plan offers unlimited lifetime benefits with no payout limits, which provides significant peace of mind for pet owners facing high vet bills. Figo also covers hereditary conditions, congenital disorders, and chronic illnesses. Additionally, Figo’s mobile app features a “Pet Cloud,” allowing policyholders to connect with other pet owners and share information, making it a tech-savvy option for modern pet parents.

7. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is another leading provider, offering customizable plans for both dogs and cats. The company provides coverage for accidents, illnesses, hereditary conditions, and behavioral issues. ASPCA also offers a preventive care option, which includes routine wellness visits, vaccinations, and dental cleanings.

One of the standout features of ASPCA Pet Health Insurance is its compassionate customer service and easy-to-use claims process. The company’s plans are flexible, allowing pet owners to choose their deductibles and reimbursement levels. ASPCA’s strong reputation in the animal welfare community also resonates with pet owners who want to support a company with a mission.

8. Lemonade Pet Insurance

Lemonade, a newer entrant to the pet insurance market, has quickly made a name for itself with its competitive pricing, simple policies, and fast claims processing. Lemonade offers accident and illness coverage, as well as an optional wellness package that covers routine care like vaccinations, heartworm testing, and dental checkups.

Lemonade’s digital-first approach allows for quick and easy policy management through its mobile app, making it convenient for pet owners to file claims and access their policies. One of Lemonade’s unique features is its Giveback program, where leftover premiums go to charities chosen by policyholders, including animal welfare organizations.

Conclusion

Pet insurance is an essential investment for pet owners who want to protect their furry friends from unexpected medical costs. The top 8 pet insurance providers in the USA—Healthy Paws, Trupanion, Embrace, Nationwide, Fetch by The Dodo (formerly Petplan), Figo, ASPCA Pet Health Insurance, and Lemonade—offer a range of coverage options to suit different needs and budgets. These companies are known for their comprehensive policies, customer-friendly services, and commitment to helping pet owners provide the best care for their pets. As you explore your options, consider the specific needs of your pet and your budget to choose the plan that’s right for you.