List updated September 2022
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Best Pet Insurance Providers of 2022

Compare America's Best Pet Insurance Companies

1
Consumers Top Pick
A+ Best Rating
9.8

BetterPenny score

Pets Best
Personalized Plans for Your Cat or Dog
  • 90% Coverage Available
  • Fast & Effective claims
  • Zero Lifetime Limits
  • Zero Annual Limits
4.1 of 5.0
TrustPilot Score

Based on 3005 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

BetterPenny Review Score

2
9.4

BetterPenny score

Spot
Pet Insurance You Will Both Love
  • 24/7 Vet Helpline
  • Includes Preventative Coverage
  • Covers Up to 90% of Costs
  • Microchip Coverage
4.4 of 5.0
TrustPilot Score

Based on 915 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

BetterPenny Review Score

3
9.3

BetterPenny score

Lemonade
Affordable Coverage for All Your Pet needs
  • Low Monthly Pricing Plans
  • Discounts Available
  • Fast Mobile App
  • Easy Claims Process
4.5 of 5.0
TrustPilot Score

Based on 762 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

BetterPenny Review Score

4
8.6

BetterPenny score

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

Based on 7579 User Reviews

Good
Consumer Interest

Based on the past 7 days

Great
Products and Services

BetterPenny Review Score

5
8.5

BetterPenny score

ASPCA
Complete Coverage For All Your Pets
  • Complete Coverage
  • Multiple Pet Discounts
  • Unlimited Coverage Plans
  • In Business Since 1997
4.3 of 5.0
TrustPilot Score

Based on 3803 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

BetterPenny Review Score

6
8.5

BetterPenny 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
4.4 of 5.0
TrustPilot Score

Based on 257 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

BetterPenny Review Score

7
8.1

BetterPenny score

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

Based on 1084 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

BetterPenny Review Score

8
7.8

BetterPenny 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
4.4 of 5.0
TrustPilot Score

Based on 700 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

BetterPenny Review Score

9
7.4

BetterPenny 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
3.9 of 5.0
TrustPilot Score

Based on 18 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

BetterPenny Review Score

10
7.0

BetterPenny score

trupanion
Trusted By Over 600,000 Pet Owners
  • Price Options For Your Budget
  • Decades of Experience
  • Offers Direct Payments
  • Breed Specific Coverage
4.4 of 5.0
TrustPilot Score

Based on 4267 User Reviews

Average
Consumer Interest

Based on the past 7 days

Good
Products and Services

BetterPenny Review Score

Featured
Fast & Easy Claims Process!
Start Now

BetterPenny Score

Our Ranking consists of the following 3 scoring criteria:

  • TrustPilot Score

    Total Score is a numerical estimate of the brand's overall quality based on TrustPilot reviews by anybody seeking to share a review. The brand's score on TrustPilot will be included in the our Total Score. If a company does not have a TrustPilot 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
Our #1 Consumer Choice
A+ Best Rating
9.8

BetterPenny score

Pets Best
Personalized Plans for Your Cat or Dog
  • 90% Coverage Available
  • Fast & Effective claims
  • Zero Lifetime Limits
  • Zero Annual Limits
4.1
TrustPilot Score

Based on 3005 User Reviews

High
Consumer Interest

Based on the past 7 days

Excellent
Products and Services

BetterPenny 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.