Best Pet Insurance Companies in the USA
Pet insurance is becoming more popular as vet costs rise. With so many plans out there, picking the right one can feel overwhelming. Things like what’s covered, waiting periods, discounts, and wellness add-ons all matter. Here are seven top pet insurance companies in the US, each with something different to offer.
ASPCA Pet Health Insurance covers accidents, illnesses, hereditary conditions, and behavioral issues. You can pick your deductible, reimbursement rate, and annual limit. They also have optional wellness plans for routine care like vaccinations and dental cleanings.
Embrace Pet Insurance is known for its customizable wellness plans that reimburse routine care like grooming, training, and vaccinations. Their accident and illness coverage includes alternative therapies, dental illnesses, and chronic conditions. They also have a diminishing deductible: it drops by $50 each year you don’t file a claim.
Hartville Pet Insurance keeps things simple with clear waiting periods: 14 days for both illnesses and accidents. Their plans cover hereditary and congenital conditions, alternative therapies, and behavioral issues. Optional wellness coverage is available for routine care.
MetLife Pet Insurance stands out for its discounts: multiple pets, military members, and employees of partner organizations. Their policies have no upper age limits and cover chronic conditions, hereditary issues, and alternative therapies. They also offer 24/7 virtual vet visits and short waiting periods.
Pets Best is popular with dog owners for its affordable, comprehensive coverage. Plans cover accidents, illnesses, hereditary conditions, and even acupuncture. They offer optional wellness plans and a 24/7 pet helpline. Deductibles and reimbursement levels are adjustable to fit different budgets.
Spot Pet Insurance offers flexible plans that appeal to cat owners. Coverage includes accidents, illnesses, behavioral issues, and alternative therapies. They have two optional wellness plans for routine care, and no upper age limits, so your cat can stay covered for life.
Figo Pet Insurance comes with a cloud-based app that lets you manage medical records, track claims, and talk to vets. Their plans cover accidents, illnesses, hereditary conditions, and pet travel assistance. You can customize coverage and access a 24/7 virtual vet service.
