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When a copperhead snake snuck up and bit Alyssa’s Doberman, Miles, on the muzzle, she didn’t think twice about rushing her pup to the vet. But the $600 vet bill stopped her in her tracks. Miles was fine after a dose of antivenom and some TLC, but Alyssa’s bank account is still recovering.

Melissa’s Bichon Frise, Fenway, needed not one but two knee surgeries to repair subluxated patellas, a relatively common orthopedic problem in the breed. Melissa ended up shelling out more than $4,000 to get Fenway back up and running again.

Looking back, Alyssa and Melissa wish they had considered pet insurance more seriously before their dogs experienced such costly vet bills. While both chose to move forward with shelling out the money for the expensive procedures, other parents don’t have this option.

Pet Insurance Checklist

Want to understand pet insurance? We’ve put together a checklist for you:

  1. Use our quote form widget to get free price quotes from several top pet insurance carriers. You can also open our pet insurance quotes to see examples of pricing.*
  2. See how others compare to our top 3 pet insurance picks by reading about the rest of the pack.
  3. Become an expert on pet insurance yourself by learning more.
  4. Read some surprising pet insurance statistics.
  5. Still confused? Get to know the pet insurance lingo with our terminology cheat sheet.

*You should expect annual increases on your premiums from any pet insurance company. These rates and increases will vary based on your location, changes in vet costs, and more.

Price Of Policy Ratings

Get Free Pet Insurance Quotes

The cost of each pet insurance policy is unique to your pet. It is calculated based on a vast number of variables, including but not limited to your pet’s age, breed, location (e.g., where you live), health conditions, etc.

We calculate our “price of policy” ratings based on quotes we run in addition to reader and consumer feedback. Since the price for your pet may vary significantly from that of others for a given provider, we encourage you to get quotes from multiple companies.

1st Place: Healthy Paws

All scores are on a scale of 1 to 5, with 1 paw being the worst and 5 paws being the best.

Why Do We Consider Healthy Paws The Winner?

  1. Lots Of Plan Options With No Caps – Healthy Paws offers four annual deductible levels ($100, $250, $500 or $750), four percentage options for actual vet bill payouts (60%, 70%, 80% or 90%) and no cap (per-incident, lifetime or otherwise) on any of its claims.
  2. No Yearly Limits – Once you meet your annual deductible, all policy-covered incidents will be paid during that year, while most companies reimburse after you reach each incident deductible. So, if your pet is susceptible to trouble more than once a year or you just want to be on the safe side, this plan could be a good fit.
  3. The Best Customer Service – Healthy Paws has some of the best customer service reviews in the business.
  4. Low Premium Prices – Most consumers report lower premium prices for similar coverage (unlimited lifetime benefits with no claim limits).

Coupon Code

Read Our In-Depth Review Of Healthy Paws

2nd Place: Pets Best

Pets Best Screenshot of App

All scores are on a scale of 1 to 5, with 1 paw being the worst and 5 paws being the best.

Why Did We Choose Pets Best As Our #2 Pick?

  1. True Emergency Only Option – Pets Best offers an “Accident Only Plan” to cover you in case of emergencies, but it does not include exam fees or specialty treatments. This plan has a $10,000 annual limit with a $250 deductible and 90% reimbursement, making it one of the least expensive pet insurance options.
  2. Low Pricing – Pets Best was consistently among the least expensive pet insurance companies when we ran quotes.
  3. Customer Service Options – It offers live chat, phone, email, fax, and FAQs to answer your questions. We’re also impressed with its 24/7 Pet Helpline, which allows you to speak with a vet expert any time of day.
  4. Customizable Plans Tailored To What You Want – You choose what coverage you want to pay for instead of paying more for stuff you don’t want. Deductible options are from $50-$1,000, reimbursement is available for 70%, 80%, or 90%, annual limit is $5,000 or unlimited, and it offers two wellness plans.

Coupon Code

Pets Best offers two discounts that you may be eligible for when you use this link:

  • 5% multi-pet discount
  • 5% discount for military members and their families

You can also visit our dedicated Pets Best promotions page to discuss current offers.

Read Our In-Depth Review Of Pets Best

3rd Place: Figo

Figo App Screenshots

All scores are on a scale of 1 to 5, with 1 paw being the worst and 5 paws being the best.

Why Is Figo Our #3 Pick?

  1. 100% Reimbursement Available – Figo is the only pet insurance company in our reviews to offer 100% reimbursement for claims. If you want your full claims covered, Figo may be the company for you.
  2. Low Pricing – Figo was consistently among the least expensive pet insurance companies when we ran quotes.
  3. Customer Service Options – You can reach Figo in many ways, including phone, text, live chat, email, fax, Facebook Messenger, or Twitter.
  4. Fully Customizable Plans – Pet owners considering Figo can create a plan to best meet their needs and budget with a choice of maximum annual coverage amount ($5,000, $10,000, and unlimited coverage), annual deductible ($100 to $750), and reimbursement rate (70%, 80%, 90%, or 100%). Depending on the pet’s location and age, you may qualify for additional options, including a deductible between $50 and $1,500 and/or a 60% reimbursement rate. It also offers a wellness plan option.

Coupon Code

Read Our In-Depth Review Of Figo

The Rest Of The Pack

Get Free Pet Insurance Quotes

Visit our pet insurance reviews for a full list of companies we include in our annual review. That review goes above and beyond this comparison by including in-depth reviews of each provider with pros and cons.

What Is Pet Insurance & Is It Worth It?

Still not sure whether you need or understand pet insurance? We created a pet insurance 101 guide, which includes:

  • What Is Pet Insurance?
  • How Does It Work?
  • Why Do I Need It?
  • What Does It Cover?
  • How Much Is Pet Insurance?
  • Is Pet Insurance Worth It?
  • Real Reimbursement Stories

Pet Insurance Facts & Stats (Infographic)

Pet Insurance Stats 2020

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What Could Possibly Go Wrong?

For those of you still on the fence, you’re probably wondering what kind of common scenarios your pup might get into when pet insurance would apply. Check out our list of common dog health issues to get an idea. For example, removing lumps and bumps is one of the most common surgeries for dogs and can cost more than $1,000 each time.

That’s a lot of money that you weren’t planning to spend, and many people don’t have that amount of cash lying around. Insuring your pet can lift that weight off you so you can focus on enjoying your time with your pets instead of worrying about having to pay for unexpected medical bills.

Have you had experiences (good or bad) with pet insurance?



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