Best Pet Insurance Companies of 2022

Figo Pet Insurance has topped our list as the best pet insurance company for providing the lowest quote for dog owners out of the 19 policy providers listed below. However, this is only in the Arizona region – as they required a zip code as part of the quoting process in order to provide an accurate estimation. This means the price could change your own quoted amount drastically depending on your location. Though they are a company that exclusively offers pet insurance for dogs and cats – so no reptiles or exotic pets, unfortunately.

Their dog health insurance on offer is excellent value, with an unlimited annual limit option, unlike some of the providers on our list who have restrictions on their annual limits for claiming. And their cat insurance isn’t far off. Though we’ve noticed a pattern that the top five companies that provide the best pet insurance for cats, in terms of pricing, seem to be within a few dollars of one another.

The Figo quote system interface is extremely simple to navigate and it took a matter of seconds to get a basic quote to work from. Once a basic quote is established it is simply a matter of selecting your preference in terms of reimbursement and annual deductibles. Furthermore, you can get a relatively thorough idea of what the selected policy covers thanks to the handy menu to the left of the screen.

However, they don’t provide a sample policy, which we feel is a bit of a letdown. Additionally, there are no additional discounts for multi-pet households. And so, if you are looking to cover more than one pet, Figo may not be the cheapest option after all. Though on the plus side, the Figo Cloud app, which is available for both Android and iOS, seems to do more than just provide the owner with policy information! Listed below is a full list of information and assistance provided to Figo insurance policyholders:

• Quick access to policy details
• Information on pet-friendly places such as; parks, hikes, restaurants, dog paths, and daycare
• Vet visit reminders
• Live vet chat feature available 24/7
• Storage for important documents and medical records
• the ability to connect with other local cat and dog owners

The free quote process with Pets Best was extremely hassle-free and to the point. They do not demand excessive information from you and are able to provide you with a general quote within minutes. Furthermore, once the quote has been produced you are able to alter the finer details such as the annual deductible and reimbursement percentage to best suit your budget. Pets Best also offers an Unlimited policy or a $5,000 limit for owners on a tighter budget.

However, there isn’t any flexibility around the two policy limits, and given it makes a difference of a few dollars a month, it would be with considering sticking with unlimited if possible. Though for pet owners with both a dog and cat to insure or multiple of one, Pets Best does offer a multi-pet deal which can potentially save 5% of the overall cost. There is also an app available for Pets Best, which provides the opportunity for owners to:

• Submit a claim immediately after paying for treatment
• Quicky access benefit information
• Access a 24/7 helpline for advice
• manage friend referral rewards
• Check your policy information and claim history

Pets Best has also proven accessible, easy to navigate, transparent, and flexible. However, the price is entirely dependant on the pet you are trying to insure, and so we’d advise taking this ranking with a pinch of salt and be sure to shop around before deciding for yourself. Furthermore, we have noticed in this process that Pets Best insurance is provided by Progressive Insurance company, and so Progressive Insurance offers exactly the same pricing, as you will see on the price comparison chart.

Progressive Insurance is a broad insurance company that works alongside additional insurance companies such as Pets Best to provide the best price and policy arrangement possible for pet owners everywhere. This insurance provider also offers multiple other policies such as home, auto, and mobile phone insurance to name a few. Progressive only offer insurance for dogs and cats, much like 90% of our list, as exotic pet insurance coverage options are harder to come by. They also offer the same 5% discount as Pets Best for multi-pet policies.

Furthermore, Progressive also have their own app to help pet owners monitor their pet insurance policies, submit claims, and quickly obtain important insurance information. We have marked them highly for both accessibilities in the quoting process and policy clarity. This is because they offer a sample of the full policy for prospective customers to peruse. As well as presenting a clear tick-list of everything that is covered or excluded within the policy as a quick guide for what to expect.

Much like most human health insurance policies, Progressive does not cover pre-existing conditions, and from what we can see there are no exceptions to this rule. This is another reason why you should seek the proper insurance policy from the off so as to ensure you can treat any long-term conditions from when the symptoms first appear.

Toto’s basic quote application process is extremely streamlined and easy to navigate. All information they need is requested on a single page, and they even ask about  Diabetes, Cushing’s Disease, and FeLV/FIV in order to provide an even more accurate quote. Though, of course, the base quote will not be exact, we appreciate that they have tried to pinpoint the best policy without bombarding the customer with questions. It is an easy 3-stage quote system, with the second stage allowing you to adjust the annual deductible and percentage for reimbursement.

Though we would say the only downside to Toto’s process is that they fail to provide all of the policy information before the payment stage. This means you’re unable to see the full extent of what is covered and what is excluded within the policy. They DO offer a policy comparison in which you can see the difference between additional wellness cover which they offer in both Basic and Prime – though this does put the quote up by between $20-30 a month. But there is no standard sample policy or full breakdown available, only a rough breakdown at the checkout stage which doesn’t explain each of the points.

Therefore, if you’re wanting to have a complete understanding of what you are purchasing you will need to contact Toto directly to discuss it further with a member of the team – which can be offputting for some customers.

Toto does not offer exotic pet cover, unfortunately. However, they do offer a multi-pet insurance deal which could save you 5% on your policy costs should you choose to insure more than one pet with them. Another slight downside to Toto accident, illness pet insurance is the fact that they don’t offer an app for policy maintenance. Though for some customers this is not of any importance, it’s simply a matter of personal preference. Many people are happy to contact the company directly with queries, and Toto does have an online portal for claim submission for anyone not wanting to process a claim over the phone.

24PetWatch pet insurance has proven to have pretty middle-of-the-road pricing when compared to other insurance companies and does not offer exotic pet cover. It is also worth mentioning that the prices we have listed are for accident and illness coverage of up to $10,000 – not unlimited as that didn’t appear to be an option. The annual cover options do go as high as $20,000, but for the purposes of this comparison, we tried to keep all limited policies at around the same annual coverage limit. ($10,000 is the recommended limit where unlimited is not available.)

Their quote process was relatively simple to navigate. However, they do request a specific birth date for your pet, which some owners may find frustrating as owners of adopted or rescued pets may not know that pet’s exact age birthdate. They also require you to check a box agreeing to be contacted via email by the company before you are able to view the policy details and quote amount.

Once they have put together the four quotes for you to compare; Extra ($3,000), Classic ($5,000), Super ($10,000), and Champion ($20,000), you can then alter the annual deductible. Though, unfortunately, you can’t change the reimbursement percentage, which sits at 80%.

We do, however, very much like that they provide a clear and concise checklist of what is and isn’t covered with each policy. They also provide a sample policy for prospective customers to look through, which is a big check in our books. You can even add annual wellness cover to the policy for an extra $10-25 a month, which is fully explained further down the quote screen.

24PetWatch does not offer an app for policy tracking and maintenance. Nor do they provide pet insurance discounts for multi-pet households. Though they do have a microchipping system, which, should you choose to register your pet with, can earn you a 5% discount on your policy price.

Nationwide Pet Health Insurance is one of our top pet insurance companies for inclusivity when it comes to accident and illness coverage. They offer a full range of pet insurance plans including comprehensive pet insurance plans for horses (avian insurance) and exotic pets such as reptiles, fish, and birds. This is a big plus in our books, as it can be so difficult to find good pet insurers for unusual pets. Especially seeing as the pet insurance industry is centered around the most common household pets – cats and dogs.

Owing to the sheer number of options with exotic pets, we weren’t able to produce a fair price that could encompass the overall expected cost for exotic insurance. However, they would be well worth a look for anyone with an exotic pet to insure. They have also launched a mobile app that houses information about and all policies a person has with them. Furthermore, the app has a host of features to make dealing with your policy at home much simpler, including:

• Payment processing
• Saving ID cards
• Submitting a claim
• Monitoring the progress of a claim
• Easy access to policy details and medical records
• The ability to make policy changes

Unfortunately, the process of obtaining a quote from Nationwide is more difficult than any of the other pet insurance companies on this list. As you will see in the comparison table, we were unable to find how much the annual limit was for the dog quote. We also couldn’t find what the reimbursement percentage was – only the fixed annual deductible of $250. Though with the cat insurance a third option was supplied with the ability to alter some of the policy details to one’s liking.

After answering a few basic questions about the dog, we were taken to the initial quote page. Here the annual limit was unspecified with “Defined annual benefits per condition” in its place. We were also unable to locate the percentage for reimbursements, nor could we personalize the policy in any way. Furthermore, the only sample document of coverage provided was complicated and unexplained.

It was only after entering the next stage and answering more questions about the dog that we were able to see the final quote which had changes by a few dollars. Though the policy still was not fully explained but simply had a few bullet points naming some of the benefits provided by the pet insurance cover.

It is for this reason that we would suggest contacting Nationwide directly if you wish to understand your selected policy and the pet insurance costs more thoroughly. Though as an exotic pet owner, it may be better to contact them directly anyway, in order to ensure you’re getting the correct cover for your specific pet species.

Firstly, when looking at Healthy Paws we noticed that the process for obtaining a free quote is extremely straightforward – which in our eyes is an immediate plus. Most pet insurance providers offer free quotes, however many of them request either a lot of personal information in order for you to proceed, or require a full account with the company. Healthy paws are quick and to the point.

We are also happy to report that once you reach the quote screen, Healthy Paws present all of the coverage information and exclusions clearly for you to look over, including a sample policy for you to read to get a true idea of what they offer. We also found it extremely charming how Healthy Paws suggests alternative insurance providers for you to look over if they feel they wouldn’t be the best value for you and your pet. Other pet insurance companies may try to stamp out the competition by pushing the hard sell, but Healthy Paws does quite the opposite, which can be endearing to some pet owners.

Healthy Paws offers a 30-day money-back guarantee in some states to drive home how confident they feel about their policies. However, we have noticed that whilst you can edit the deductible and percentage, they only offer an unlimited annual limit. Whilst this does seem like a plus for someone looking for an unlimited pet insurance plan, it’s a shame that pet parents can’t reduce the annual limit to fit their budget better. The best pet insurance companies offer full customizability, but unfortunately, Healthy Paws has its limits.

They don’t offer multi-pet insurance either we’re afraid. So for households with more than one pet to insure it may be worth looking elsewhere. For anyone who does decide to go with Healthy Paws, however, they do have the Healthy Paws Mobile App to keep pet parents in the loop with their pet insurance plan and any claims they have had to make. Furthermore, the app can get you $25 off if you successfully refer a friend as well as access to pet care blogs and advice.

Something worth noting with TrustedPals is that they offer a 5% discount for service dogs. It’s a small feature but something we appreciate as a way of recognizing these hard-working pups. Though we will also say that they tip the scales are being easily the most expensive insurers for cats. So kitty-owners may want to look elsewhere.

Something we like about the policy selection is that they offer three versions based on popularity, budget, and reimbursement reward. They then provide the option to create a custom policy to suit your needs best. Prospective customers can also opt for wellness cover for an additional $20 a month.

Whilst Lemonade doesn’t provide a detailed description of the policy on the main screen, they do provide a link to a sample policy for further detail. Fortunately, they don’t have any limits with their policy options, and an unlimited annual limit is an option for those looking for it. The only real downside to TrustedPals pet insurance is that they don’t provide an app, which is unfortunate as it is often the deciding factor for many pet owners.

Petplan is is another one of the best pet insurance companies for inclusivity as they too offer both exotic and equine insurance as well as pet business insurance. So for those of you looking to cover vet bills for accidents and illnesses that map before your more unusual pet choice, Petplan may be the answer.

Though Petplan’s pricing may be among the more average, they do include dental care, holistic care, hereditary conditions, and other wellness coverage, as well as accidents and illnesses in their monthly premiums. Though it is worth noting that this is the only type of policy they do and that you do not have the option to reduce it to accident-only in order to reduce your pet insurance premiums if needs be.

The application process for a free quote is incredibly simple and easy to navigate. However, we have marked them down for their policy transparency. This is not because they don’t offer the information – they do. But that information is not available at the quote stage. PetPlan expects you to research their policies elsewhere on the site before going ahead with the quote, though this is not made obvious at the time.

Though if you do go looking for information about your preferred policy, they do provide everything you could need to make your decision. So far they are the only pet insurance company we have encountered that goes about the process in this way. Furthermore, they don’t appear to offer any discounts for multi-pet households, so this is better for single-pet parents.

GEICO offers an eclectic and highly customizable policy for dog and cat health insurance. They don’t offer accident-only plans, however, they do have accident & illness pet insurance worth looking over, along with an optional additional wellness plan.

We must mention here that the quote we have provided is for a $10,000 annual benefit limit, as they do not offer unlimited – though they do go as high as $30,000, with $10,000 being the recommended amount. They also have 5 annual deductibles and three reimbursement percentages for you to chose from. Though it is important to note that should you select the wellness plan as an addition to your policy you will need to take into account the extra cost. The GEICO wellness plan can also be customized, but the additional price ranges between $18.75 – $52.09 on top of your standard policy premium.

We will say, however, that GEICO can be commended on the level of transparency with their policy. Offering not only a checklist of inclusion and exclusion but a clear sample policy that breaks down every single detail into bite-sized chunks for easy reading. They also offer a 10% multi-pet discount for busier households. Which is higher than the majority of pet insurance companies.

GEICO pet insurance works in conjunction with Embrace Pet Insurance to produce their ideal quote for pet health care. Therefore, you will notice that Embrace provided the exact same pricing when quoting the same pet. Though GEICO does not offer an app for easy policy access, where Embrace does.

Embrace’s policy options and customizability mirror that of GEICO almost exactly, right down to the final quote price and multi-pet 10% discount. However, there’s are a couple of ways in with Embrace has been able to up the ante against GEICO. One of these ways is by producing a user-friendly Embrace app that can cover the following policy aspects:

• Check coverage & remaining limits
• Submit & view claims
• Add pets & change coverage
• Download policy documents
• Update account & billing information
• Contact Embrace via email or phone

Furthermore, there is a difference in the policy which may be of interest to some owners. Especially those adopting a dog with known health problems. As Embrace offers a “work-around” to some degree when it comes to pre-existing conditions in that they will reevaluate the coverage if your pet remains symptom and treatment-free of a curable “pre-existing”  condition for 12 consecutive months. This is no guarantee for animal pet parents looking to ensure their pet’s health is covered, but it could be helpful for those animals with recurring conditions.

Like almost every pet insurance provider on our list, Prudent Pet has scored highly for the application process, as they have kept all questions on a single page in order to produce a simple quote once those questions have been answered. However, we have had to knock a point off for policy transparency. They have provided a link for additional information, but it has been put in fine small print beneath the general tick-box sum up of the policy. Furthermore, when you follow the link the information is spread throughout the website via a series of links leading from one page to the next. This is where a sample policy would have been a better call.

Prudent Pet does not offer exotic pet insurance, though they do offer a 10% discount for multiple pets. In terms of the policies on offer, they do provide the option of accident-only cover, limited accident and injury cover, and unlimited accident and injury cover. They also provide customers with the ability to customize their preferred policy and add additional wellness coverage and veterinary exam fee cover. Though combined, these two extras add a total of between $21.95-$39.95 to the monthly policy premiums.

Though, unfortunately, we can’t see much that Prudent Pet has to offer that makes the monthly premium worthwhile besides the fact that they offer extra features such as boarding fees, loss, mortality, behavioral disorders. However, they don’t fully explain how these extra features work or which policy includes them. They don’t offer an app for easy maintenance either, which is a feature offered by some of the least expensive insurance providers on our list.

Lemonade easily scores as one of the more awkward application processes on our list. They have split the questions across multiple screens as well as requesting detailed information that not every owner will know or be willing to give; such as the pet’s exact age in weeks or the owner’s precise home address.

Once the application has been filled out, however, the final quote screen is quite straightforward. Offering prospective customers the chance to customize their policy, with the option to include cover for vet visit fees, physical therapy, and holistic care, as well as preventative care which is split into two plans, one for adults and one for puppies. Though these additional plans will bring up the monthly premium cost by between $27-$55.

The policy is well explained with checkboxes and FAQs to answer the basic policy questions. However, they don’t offer a sample policy for full transparency. They even provide an easy example of how to calculate the amount of reimbursement you should expect to receive, which is a nice detail for people new to pet insurance. Additionally, they offer up to 10% off home insurance if a pet is already insured with them. However, they don’t offer discounts for multiple pets.

Besides the awkward application process, Lemonade seems to be quite promising. Especially seeing as they also offer an app for you to be able to look over your policy whenever you need to. However, they are budging towards the expensive end of the scale now, and so it is down to the policyholder to decide whether it is worth it after looking at the ins and outs of the policy.

PetFirst proved to be much more expensive than we initially anticipated, just managing to avoid the bottom five for pricing, and that’s not even with an unlimited policy, but with a $10,000 annual limit. PetFirst may be expensive for a single pet, though it’s with noting that they do offer family pet deals wherein the over price of the policy is significantly reduced.

Furthermore, though they may be more expensive, their quoting system is clear and self-explanatory with the opportunity to adjust multiple aspects of your policy to suit you. They also offer a $10 off deal for first-time payments via the online system as well as 10% off the policy for vets, shelter personnel, etc.

PetFirst does also provide a clear tick-box list of everything their policy covers, as well as any exclusions. However, they don’t offer a sample policy in order to look over the ins and outs of it all, and for that, we knock a point off the policy transparency. As we feel a sample policy is the best way to show full disclosure.

Furthermore, PetFirst is a Metlife insurance company, and so it is possible to download the Metlife app in order to track policy information and submit claims quickly as and when you need to. The Metlife app also allows you to access and organize the following details of your policy:

• Upload your pet’s health record for future referral
• Organize and receive vet visit reminders
• Track your claims once submitted
• View your policy information
• Receive pet care tips
• Locate pet service provides nearby

ASPCA’s quote application process is fast and easy to navigate, with a clear overview of what is covered within the selected policy. Furthermore, ASPCA allows you to customize your policy choices. Though the shining element with the ASPCA accident and illness cover is the attitude towards pre-existing conditions. Something that could be of big help to many pet owners is that they no longer consider a condition pre-existing if it has been symptom-free for 180 days. The only conditions that don’t count towards this are knee and ligament conditions.

A full list of exclusions can be found in the fine print at the end of the overview – we would appreciate it if this wasn’t hidden away quite so much. And unfortunately, they don’t provide a full sample policy to look over. However, they do provide more thorough explanations of what is covered and what isn’t for those interested in knowing more. Though they don’t offer additional wellness plans as an option

A perk of this particle insurance provider is also that they have a mobile app that has a range of useful features such as:

• Submitting your claims
• Tracking the status of your claims
• Paying bills and viewing billing history
• Finding a nearby vet clinic
• Signing up for a direct deposit
• Reviewing your pet and policy information
• Looking up answers to frequently asked questions
• Getting in touch with ASPCA
• Updating your contact information
• Adding a new pet to your policy
• Access to poison control

They don’t offer any multi-pet discounts, unfortunately, so they are better suited to single-pet households. However, should you wish to switch to an accident-only policy, it is easy to do from the quote screen.

Hartville Pet Insurance work alongside ASPCA to produce the best insurance quotes, much like GEICO works with Embrace. As a result, the pricing and policies are identical. This is often done in order to cover all areas, as some insurance providers don’t cover every state. Fortunately, for anyone that favors Hartville, they do also have a mobile app that can be used for the following purposes:

• Submit a new claim
• Track the progress of a claim
• View your full policy
• Update your contact info
• Find or add a vet clinic

Pumpkin Insurance easily has the most long-winded and awkward quote application process of all of our selected insurance providers. They have split every single application question across ten individual screens, not all of which have actual questions on them. Furthermore, there is no way to go back and change and answer if you select the wrong one. This could prove extremely frustrating for anyone looking to put together a quick quote.

Once the questions have been processed you’re presented with a quote which is unfortunately among the top three for being the most expensive. Though they do offer 10% off for multi-pet households, so it is definitely a company better suited to someone looking to insure more than one pet at once. Pumpkin also offers high annual claim limits, maxing out at $20,000, but no unlimited option.

The quote becomes more expensive with the addition of a preventive essentials plan which provides an annual wellness checkup, one blood test for heartworm, 2 lots of vaccines, and a test for intestinal worms, which adds an extra $18.95 for the monthly premium. Though a bonus of their policy is that they do not limit their insurance to young dogs, and are willing to insure older pups too – perfect for someone adopting a senior dog.

Pumpkin does not have a mobile app, and so any claims would need to be submitted via their website or over the phone. But we do appreciate their choice to provide both key policy information and access to a full sample policy.

Spot insurance is the runner-up for being the most expensive pet insurance provider on our list- not only for dog insurance but cat insurance as well. Though they do offer a good range of options for anyone wanting to customize their policy. With seven annual coverage limits, five annual deductible choices, and three percentages to choose between.

Their policies go all the way up to an unlimited annual limit, covering accident and illness as well as accident-only if it’s preferred. However, though they do provide a list of exclusion for the policy, they fail to provide a clear list of what is covered. Therefore any pet owner thinking of using Spot insurance will need to go in search of the full policy information elsewhere on the website. Additionally, a full sample policy isn’t available anywhere.

The policy also isn’t all-inclusive, with additional plans that can be added at the checkout such as preventative care which can add between $9.95-$24.95 to your monthly insurance cost. They do, however, have a mobile app for anyone that chooses to go with them. This app allows members to:

• Submit and track claims
• View policy information
• Update contact info
• Find or add a vet clinic

Spot pet insurance is expensive and somewhat vague when it comes to policy details when booking via the internet. Therefore we would advise contacting them directly if you wish to know more about what is covered and how your choices may affect your policy.

Trupanion outstrips all of the other insurance companies on our list for the price, topping Spot insurance by a further $30. Whilst they do provide plenty of information about the full policy on the initial insurance screen, they don’t provide any easily accessible information once you have processed your quote. Though they do provide a link to the full policy for customers to look over.

Trupanion is very proud of the lack of customization when it comes to their insurance. All pets insured by Trupanion are provided the same extensive cover, comprehensive insurance policy with the belief that all pets deserve the best – with no exceptions. This is also why they don’t offer any multi-pet discounts. They feel owners should budget properly for their pets and should not need to rely on discounts to achieve the desired price.

However, this does not mean everything is included, with Recovery and Complementary Care and Pet Owner Assistance being additional plans that can be added to the policy at an extra cost. The policy provided also does not cover wellness care, preventative care, or exam fees. Trupanion is based around providing emergency care for pets in need, not helping owners pay for routine care.

Trupanion certainly ensures the best quality of care for all animals insured by their policy, and anyone that uses this provider can be certain that their pet will be well cared for. However, unfortunately, they cater to a limited market and are not suited to someone looking for an insurer that can fit within a limited budget.