Best Pet Insurance Providers of 2023

Compare America's Best Pet Insurance Services

List updated May 2024
40,063 Real Customer Reviews
Read Our Advertising Disclosure for More Details.

Pet Insurance Companies in Virginia

List updated May 2024
1
Consumers Top Pick
A+ Best Rating
9.8

Better Penny score

Pets Best
Personalized Plans for Your Cat or Dog
  • 90% Coverage Available
  • Fast & Effective claims
  • Zero Lifetime Limits
  • Zero Annual Limits
VISIT SITE
4559 Reviews
Trustpilot
4.0 of 5.0
TrustPilot Score

Based on 4559 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

4559 Reviews
Trustpilot
2
9.4

Better Penny score

Spot
Pet Insurance You Will Both Love
  • 24/7 Vet Helpline
  • Includes Preventative Coverage
  • Covers Up to 90% of Costs
  • Microchip Coverage
VISIT SITE
4992 Reviews
Trustpilot
4.7 of 5.0
TrustPilot Score

Based on 4992 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

4992 Reviews
Trustpilot
3
9.3

Better Penny score

Lemonade
Affordable Coverage for All Your Pet needs
  • Low Monthly Pricing Plans
  • Discounts Available
  • Fast Mobile App
  • Easy Claims Process
VISIT SITE
1954 Reviews
Trustpilot
4.4 of 5.0
TrustPilot Score

Based on 1954 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

1954 Reviews
Trustpilot
4
8.6

Better Penny score

Walmart
Use Any Vet and Get 90% Reimbursement
  • Discounts When Paying Annually
  • Accepted By All Vets
  • Simple Plans
  • No Sign Up Fees
VISIT SITE
9913 Reviews
Trustpilot
1.5 of 5.0
TrustPilot Score

Based on 9913 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

Better Penny Review Score

9913 Reviews
Trustpilot
5
8.5

Better Penny score

ASPCA
Complete Coverage For All Your Pets
  • Complete Coverage
  • Multiple Pet Discounts
  • Unlimited Coverage Plans
  • In Business Since 1997
VISIT SITE
5694 Reviews
Trustpilot
4.1 of 5.0
TrustPilot Score

Based on 5694 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

5694 Reviews
Trustpilot
6
8.5

Better Penny score

pumpkin
Voted “Best for Comprehensive Coverage” by Business Insider (2020)
  • Plans Cover Behavioral Issues
  • 10% Discounts for Additional Pets
  • No Breed or Upper Age Limits
  • 90% Reimbursement Rate for All Plans
VISIT SITE
1103 Reviews
Trustpilot
4.7 of 5.0
TrustPilot Score

Based on 1103 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

1103 Reviews
Trustpilot
7
8.1

Better Penny score

Embrace
Pet Insurance Designed by Real Pet Parents
  • Diminishing Deductible
  • Up to 90% Back
  • Coverage for Exam Fees
  • 24/7 Pet Health Line
VISIT SITE
3915 Reviews
Trustpilot
4.1 of 5.0
TrustPilot Score

Based on 3915 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

3915 Reviews
Trustpilot
8
7.8

Better Penny score

pawp
Get Unlimited Pet Care For Just $24/month
  • Text or Video Chat with Vets
  • Support Available 24/7
  • Get $3000/YR for 1 Vet Bill
  • Covers Up To 6 Pets
VISIT SITE
820 Reviews
Trustpilot
3.2 of 5.0
TrustPilot Score

Based on 820 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

820 Reviews
Trustpilot
9
7.4

Better Penny score

healthypaws
Pet Insurance With No Maximum Limits
  • Average Claim Process Of 2 Days
  • More Than 500k Pets Enrolled
  • No Caps On Claims Payouts
  • No Costly Add-Ons
VISIT SITE
60 Reviews
Trustpilot
4.3 of 5.0
TrustPilot Score

Based on 60 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

60 Reviews
Trustpilot
10
7.0

Better Penny score

trupanion
Trusted By Over 600,000 Pet Owners
  • Price Options For Your Budget
  • Decades of Experience
  • Offers Direct Payments
  • Breed Specific Coverage
VISIT SITE
7053 Reviews
Trustpilot
4.1 of 5.0
TrustPilot Score

Based on 7053 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

Better Penny Review Score

7053 Reviews
Trustpilot
Featured
Fast & Easy Claims Process!
Start Now

BetterPenny.com Score:

Our Ranking consists of the following 3 scoring criteria:

  • Total Score

    Total Score is a numerical estimate of the brand's overall quality based on reviews by anybody seeking to share a review. The brand's review score will be included in the our Total Score. If a company does not have a review rating, the total score will be determined solely by Consumer Interest.

  • Consumer Interest

    Consumer Interest is a simple calculation to determine how visitors engage with the brands on our website. User interest is based on clicks and transactions received in the last 7 days. This interest may vary based on an updated weekly average.

  • Products & Services

    Our editorial staff researches and reviews financial services based on criteria such as product and service range, ease-of-use, online accessibility, customer support, special accolades, and more. Each brand is assigned a score for each criterion based on the offerings in that category. If our staff is unable to discover information relevant to a brand's Products & Services Score, it will not be calculated.

Consumer Reviews

Pets Best
Read review
Lemonade
Read review
ASPCA
Read review
Pumpkin
Read review

Recent Reviews

I took out a Healthy Paws policy on my cat 5 years ago after a friend with a service dog experienced an unexpected, life-threatening illness with his pup. Healthy Paws covered 80% of his care, processed the claims within 24-hours and had the money back in his account within days. To say I was impressed was an understatement. His dog is his lifeline - and thankfully made a full recovery - and Healthy Paws was amazing. Fast forward to now. I am SO grateful I took out the same type of policy on my beloved Siamese. He recently became lethargic, developed inappetance, and generally was not acting well. We're looking at either an IBD or intestinal lymphoma diagnosis which is crushing, as all pet parents know. But the one thing I've been able to rely upon is that same amazing level of care and customer service my friend experienced. We're still waiting on my cat's diagnosis, but his biopsies, medications, appointments, etc. have already run me in the thousands. Healthy Paws has processed my claims and reimbursed me my 80% in the same speedy manner I've come to expect. They've checked in to see how my cat is doing, and have provided me with a level of reassurance no one else can at this tenuous time. I HIGHLY recommend anyone acquiring a pet also acquire a Healthy Paws insurance policy at the same time; before pre-existing conditions can develop and while you can make the most of the lowest premiums. All it takes is one major accident or illness to make an already tragic situation more stressful. Trust me when I say you will want the kind people at Healthy Paws on your side to help you navigate your pet's health through good times and in bad.

This is our second claim with SPOT. Both experiences were excellent during a very stressful time. Highly recommend. We are lifelong subscribers!

Rob DeRosa reviewed Pumpkin

Pumpkin has consistently processed claims for my Little Roxy girl and in a timely manner. As a senior person on a fixed income this is quite helpful to Roxy & me.

Customer reviewed Trupanion

Informative about the coverage and made sign up easy over the phone!

Great communication. Claim processed promptly. Received reimbursement very quickly.

Our #1 Consumer Choice
A+ Best Rating
9.8

Better Penny score

Pets Best
Personalized Plans for Your Cat or Dog
  • 90% Coverage Available
  • Fast & Effective claims
  • Zero Lifetime Limits
  • Zero Annual Limits
4.0
TrustPilot Score

Based on 4559 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

Better Penny Review Score

What is Pet Insurance?

Pet Insurance is pet health insurance that covers the pet you love with monthly or yearly premiums. The idea of pet insurance is to provide coverage for unexpected expenses like veterinary care, emergency treatments and prescriptions.

Benefits of Pet Insurance

Pet insurance can help reimburse pet owners for an expensive emergency vet bill or even cover costs associated with certain pre-existing pet conditions.

  • Helps you save money.
  • Opens new treatment possibilities for you.
  • Allows you to concentrate on your pet's health.
  • Gives you the freedom to pick your plan.
  • Keeps you from using your savings.
  • Helps budget the cost of pet care.
  • Gives you peace of mind.
  • Pick your own vet.



Do I Need Pet Insurance?

According to most pet owners, pet insurance is well worth the investment. To begin with, there are several advantages to having pet insurance, and you may need pet insurance if:

  • You like to take your pet with you on vacation.
  • You like to try out new pet products and services.
  • Your pet requires prescription pet foods.
  • You like to spoil your pet with new pet toys and products frequently.
  • Your pet has a history of expensive pet medications or pet conditions.
  • You want to be able to choose your veterinarian without worrying about vet costs.

The average veterinarian bill is $200 - $400 for dogs and $90 - $200 for cats. Surgeries and unexpected procedures can cost over $5000, and all that money is 100% out of pocket if you do not have pet insurance.



Types of Pet Insurance

There are two types of pet insurance: comprehensive and accident-only. For an extra charge, you may purchase additional health, dental, and other types of coverage.

The most common pet accidents include:

  • Foreign Object Ingestion 
  • Struck by a Car
  • Dog Bites
  • Poisoning
  • Cat Bite Abscesses
  • Eye Injuries
  • ACL and MCL injuries
  • Dehydration



Optional Coverage

Wellness Coverage
This covers basic pet costs, checkups, vaccinations, and spay/neuter.

Dental Coverage
This pays the cost of pet dental cleanings and extractions.

Hearing Coverage
This pet insurance covers the cost of hearing tests, ear infections, ear mite treatment and surgery.

Flea, Tick, & Heartworm Coverage
This pet insurance covers the cost of blood tests, preventative treatment, and surgery.



How Much Does It Cost?

Accidents and Illnesses

  • Dogs approximately $50 a month
  • Cats approximately $28 a month

Accident Only

  • Dogs approximately $18 a month
  • Cats approximately $11 a month

The cost of pet insurance is determined by your dog's breed, species, and age, as well as your coverage deductible, reimbursement percentage, and annual limits. The pet insurance provider may also consider your pet's veterinary history, age, and breed when determining pet insurance premiums.



What Does It Cover?

Most pet insurance policies cover accidents, illnesses, and surgeries. The specifics of what pet insurance covers vary by policy, so it is important to read the terms and conditions carefully before purchasing pet insurance. Most pet insurers also offer additional coverage for things like prescription medications, dental care, and behavioral therapy.

What is Not Covered?

Pet insurance does not typically cover preexisting conditions, routine care, or pet wellness visits. Therefore, it is important to read the terms and conditions of a pet insurance policy carefully before purchasing coverage.

Interesting Facts

  • About 68% of households own a pet.
  • The first year of owning a dog costs roughly $1,200.
  • The lifetime cost of owning a cat can be up to $20,000.
  • The lifetime cost of owning a cat can be up to $7,000.
  • The first year of owning a cat costs roughly $1,100.
  • Only 1.7% of all pets have insurance.
  • Adopt a dog or cat from a shelter.



Conclusion

When it comes to pet insurance, there are multiple companies to choose from. How do you know which one is the best for your pet? By use Better Penny, of course! Better Penny pet insurance reviews can help you get a better idea of what each company offers and how they stack up against the competition. Better Penny can also help you find discounts and deals that may not be on the company’s website. And finally, Better Penny can give you peace of mind knowing that you are making the right decision for your pet.