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Compare Top Pet Insurance
Plans can vary significantly from one company to another. Compare the options below and apply today for the one that best fits your needs.
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PROS
✓ Covers things some insurers don’t, such as prescription food and behavioral modification.
✓ Covers some pre-existing conditions if they have been cured and treatment-free for 180 days.
✓ Unlimited annual coverage option available.
CONS
- Doesn't offer the option to pay your vet directly.
THE BOTTOM LINE
Spot stands out for its comprehensive accident and illness plans, which cover things like alternative medicine, behavioral treatments, prescription food and microchip implantation. Spot also offers two preventive care plans to add to your pet’s policy. These plans reimburse you for wellness exams, dental cleanings and other routine expenses, up to your coverage limit. Spot has no upper age limit for pets, and customers can opt for unlimited annual payouts. And, there’s an accident-only plan available.
PROS
✓ Covers horses in addition to cats and dogs.
✓ Standard plans cover alternative therapies, behavioral issues and congenital conditions.
✓ Shorter waiting period than most plans for cruciate injuries (14 days).
CONS
- You must call rather than getting an online quote if you’re interested in unlimited annual coverage.
THE BOTTOM LINE
You name it, and ASPCA pet insurance probably covers it — including dental illnesses, behavioral issues, alternative treatments, prescription food and even microchipping. Unlike some other pet insurers, it also includes coverage for accident or illness exam fees. If you want less coverage and a lower rate, you can opt for an accident-only policy. If you want even more coverage, you can add a preventive care plan to pay for services like dental cleaning, heartworm tests and vaccinations. The company offers pet insurance not only for dogs and cats but also for horses.
PROS
✓ Lots of options to customize plans.
✓ Unlimited annual coverage option available.
✓ No upper age limit for enrollment.
CONS
- Includes exam fees and certain therapies only with more expensive plans.
- Doesn't cover food or supplements.
THE BOTTOM LINE
Pets Best provides multiple coverage options at different price points for cats and dogs. You can choose a comprehensive accident and illness plan or a simplified accident-only policy. Wellness add-ons are also available for pets of all ages.
PROS
✓ Quick claims processing.
✓ Multipolicy and pay-in-full discounts available.
✓ Donates a portion of premiums to nonprofit organizations.
CONS
- Not available in all states.
- Physical therapy, acupuncture and chiropractic care cost extra.
THE BOTTOM LINE
Lemonade’s digital-first offering is a good bet for pet owners who want to do everything online. The company sells pet insurance online through its user-friendly website and app. It offers accident and illness coverage, plus wellness plans that help cover the costs of routine vet visits and vaccinations.
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