Pet insurance assists in paying for your pet's medical care, with many policies covering up to 90% of vet bills. However, the proportion varies depending on the insurer and your preferences.
Furthermore, some procedures and care are not covered. Some policies also have annual or lifetime payment caps, which can mean that some bills aren't covered at all.
Finding comprehensive coverage for your dog or cat at a reasonable monthly premium can also be difficult.
Here is our list of the top pet insurance providers, ranked according to your needs and priorities to help you expedite the process.
Our Top Picks for Best Pet Insurance
– Healthy Paws - Best for Alternative Therapie – ASPCA - Best for Hereditary and Congenital Condition – Spot - Best for Unlimited Coverage
Figo - Best for Reimbursement Options Embrace - Best for Older Pets Pets Best - Best for Treatment of Mobility Issues Lemonade - Best for Fast Claims Processing
Why we chose Healthy Paws: While most pet insurance companies exclude alternative therapies from their policies, Healthy Paws includes treatments such as acupuncture.
Healthy Paws has a single accident and illness policy for both cats and dogs. There are no incident, annual, or lifetime benefit caps.
Healthy Paws' mobile app allows for quick claim processing, and most claims are processed within two days.
In the event that you are unable to pay the initial veterinary bill, it also provides a direct payment option in place of reimbursement.
They have overall annual limits, with Basic having a limit of $400 and Plus having a limit of $500; the limits vary depending on the condition.
The maximum reimbursement—the percentage of your veterinary bill that the insurance company covers—is usually 90% or less with most pet insurance companies.