Ratings Methodology for Pet Insurance
Pet insurance
- Scope of coverage.
- Ability to customize plan.
- Consumer experience.
- Financial strength.
- Discounts.
The best pet insurers have the financial strength needed to support customers when their pets are sick or injured. They cover a wide range of medical treatments and offer flexible terms so consumers can find the right plan. They also have robust websites and apps to help you manage your policy.
Data collection and review process
Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."
The reviews team
In addition to pet insurance, the team covers auto insurance, life insurance, homeowners insurance and renters insurance.
Rating specifics
- Scope of coverage (35%).
- Ability to customize plan (25%).
- Consumer experience (20%).
- Financial strength (15%).
- Discounts (5%).
Scope of coverage: We gave our highest ratings in this category to companies with a wide range of coverage options, especially if those options are included in the standard plan.
Ability to customize plan: We evaluated each company’s deductibles, reimbursement options and coverage limits. Companies with more ways to customize policies and premiums were given a higher score in this category.
Consumer experience: Strong companies in this category allow consumers to get quotes and file claims online, have highly rated mobile apps and offer the option to pay vets directly.
Financial strength: These ratings, which indicate an insurer’s ability to pay future claims, are based on assessments from independent agencies such as AM Best and Demotech.
Discounts: The more discounts a consumer may be eligible for, the higher the score.
Ability to customize plan: We evaluated each company’s deductibles, reimbursement options and coverage limits. Companies with more ways to customize policies and premiums were given a higher score in this category.
Consumer experience: Strong companies in this category allow consumers to get quotes and file claims online, have highly rated mobile apps and offer the option to pay vets directly.
Financial strength: These ratings, which indicate an insurer’s ability to pay future claims, are based on assessments from independent agencies such as AM Best and Demotech.
Discounts: The more discounts a consumer may be eligible for, the higher the score.