Best Pet Insurance

Since many of us consider our animal companions family, it's no surprise that more than three million pets in the United States are covered by pet health insurance.¹ We reviewed pet insurance companies on what matters to pet parents, such as coverage for preexisting conditions, waiting periods, and annual deductibles—pet insurance premiums are a bit harder to research since they vary so much.

Figo has three plans, each with a different annual deductible. No matter which plan you choose, Figo waives the copay in the event your pet needs life-saving treatment.

Figo also offers cloud-based, paperless medical records, with automatic reminders for immunizations and streamlined reimbursements. Figo’s pet cloud even has geolocation in case your microchipped furry friend goes missing.

Figo has a relatively short waiting period until coverage kicks in and a wide range of discounts available for service pets, military and veteran animals, and adopted shelter pets. And as long as your dog’s congenital or preexisting condition has been cured for 12 months, they won’t be excluded from coverage.

You’ll also be impressed with Figo’s exceptional customer service and stellar industry reputation. Figo does have higher priced premiums for basic coverage, a 30-day reimbursement turn around, and no wellness care coverage. But given all the perks your tail-wagger will receive, Figo premiums pack exceptional value.

This pet insurance company also has a unique deductible that lets you pay a lifetime amount per condition. Once your deductible is met, Trupanion coverage will kick in for the rest of your dog’s life. This can be particularly useful for dog breeds prone to chronic conditions like allergies or hip dysplasia. 

Trupanion offers only one plan, but it pays 90% of eligible expenses with no lifetime or annual limits. However, exam fees and preventative care aren’t eligible for reimbursement.

While Trupanion has slightly higher premiums, you’ll save in the long run if you have a young pup or a purebred dog prone to certain conditions that require regular treatment.

Healthy Paws boasts awards as the best-rated cat insurance for the past several years. However, the significant limitations on hip dysplasia make Healthy Paws an unattractive choice for dog owners, especially those with large breeds.

Despite the limitations on common dog conditions, this pet insurance company has a excellent industry reputation and solid customer service ratings. Healthy Paws also provides fast claims processing with about a two-day turnaround for most reimbursements.

While there is a longer initial waiting period after enrollment compared to other pet insurance providers, we think you’ll find the comprehensive coverage from Healthy Paws worth the wait. 

If you’ve got a special situation, we’ve got you covered with more options for pets of all different sizes and species.

As pet parents, we appreciate that pets are family, so we approached finding the best pet insurance plans with that in mind. We screened for the best pet insurance companies that were widely available across the United States with solid reputations via Better Business Bureau and Trustpilot.

Using expert advice about coverage and deductibles, we worked to find not just the best value but the best care for your animal companion. Want to bite off more than you can chew? You can find our full methodology here.