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Advertising disclosure

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This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

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Best Pet Insurance Providers 2024

Your furry friend deserves the best health care. Comparing America’s leading pet insurance companies with plans that stand out from the rest.

Fast Repayment

9.8Exceptional

Spot Pet Insurance

Customizable coverage for puppies and kittens

  • Up to 90% refund
  • VetAccess™ 24/7 veterinary helpline
  • Save 10% for multiple appropriate animals
  • Optional accident and wellness only plans

9.8
Exceptional

9.1Excellent

Pets Best

Choose your own veterinarian, cover multiple pets

  • 30-day money back guarantee
  • Quick and easy complaint procedure
  • 5% discount on coverage for multiple pets

9.1
Excellent

8.7Great

Pumpkin

Business Insider’s top picks for comprehensive coverage

  • 90% reimbursement for each plan
  • Extensive accident and illness coverage
  • 10% discount for additional pets

8.7
Great

9.8Excellent

Pets Best

Choose your own vet, cover multiple pets

  • Etiam ultrices massa eget hendrerit bibendum.
  • Etiam ultrices massa eget hendrerit bibendum.
  • Etiam ultrices massa eget hendrerit bibendum.

9.8Excellent

Pets Best

Choose your own vet, cover multiple pets

  • Etiam ultrices massa eget hendrerit bibendum.
  • Etiam ultrices massa eget hendrerit bibendum.
  • Etiam ultrices massa eget hendrerit bibendum.

What is Pet Insurance?

Pet insurance is a service for pet owners seeking a financial safety net in case their animal gets sick or injured and requires expensive veterinary treatment. Owners of dogs, cats, and in some cases, exotic pets, pay a monthly premium for this service, with costs varying based on the age and breed of the animal, what medical costs are covered under the policy, what annual or per-procedure deductible the policy includes, and what percentage of treatment the customer will be reimbursed for by the company.


When Should You Buy Pet Insurance?

You will get the most value out of your policy if you buy insurance when your pet is young. Providers may have a minimum age requirement, but it is advisable to insure your pet as soon as they pass this threshold, which is no more than a couple months old. Insuring older animals, who are often at greater risk for costly ailments, can still save you a lot of money in the long run, but monthly premiums will be higher. Treatment for serious diseases, such as cancer, can cost in the tens of thousands of dollars. Getting your pet put down is unfortunate no matter the circumstance—but it’s preferable that it be for the sake of humane treatment, rather than because the medical costs are too high. It is important to insure your pet before they get sick, because it is unlikely that a policy will cover a pre-existing condition.


How Does Pet Insurance Work?

Pet insurance prices are specific to the animal in question and the type of coverage you want, so the sign up process begins with you providing information on the provider’s website about the species, breed, age and basic medical history of your pet. You will then get a quote which you can adjust by changing your deductible, reimbursement percentage, annual limit, and coverage plan if the provider has a tiered pricing system.
Once you’ve purchased your policy, you’ll be able to call and get pre-approval for any medical procedure your pet is undergoing to make sure the provider covers it under the policy. Some providers will pay the vet directly, while other providers will reimburse you after you pay the vet. The amount of time it will take to get reimbursed varies, however some providers, such as Pets Best, commit to processing claims in a matter of days.


Best Overall Pet Insurance Provider

9.8Exceptional

Spot Pet Insurance

Customizable coverage for puppies and kittens

  • Up to 90% refund
  • VetAccess™ 24/7 veterinary helpline
  • Save 10% for multiple appropriate animals
  • Optional accident and wellness only plans

9.8
Exceptional