Pet insurance helps pay for your pet’s medical expenses, and many policies cover 90% of veterinary expenses. However, the percentage will depend on the insurer and your preferences. Also, some procedures and treatments are not included. In some cases, you may reach the annual or lifetime payment limit. This means that some costs will not be paid in full. Cheap and best pet insurance Companies in USA are given.
If you have a pet, you may have a worry in the back of your mind about how you’d pay for a large vet bill. Pet insurance is a way to guard against having to pay the full cost of unexpected vet bills if your pet is injured or gets sick.
If you want affordable and quality protection for your pet, read our review below on cheap pet insurance. We discuss each company’s plan and pricing and include information on how to get a free quote.
Top Best and Cheap Pet Insurance Companies in USA
- Lemonade
- Spot
- Embrace
- Fetch by The Dodo
- Healthy Paws
- Figo
- Nationwide
- Prudent Pet
- TrustedPals
Which insurance is best for my dog or puppy?
Whether your puppy likes to roam around in your backyard or go on regular walks, there are lots of dangers that could unexpectedly leave your dog injured or sick.
Buying pet insurance for your dog is the best way to keep it happy, healthy and cared for without having to worry about paying for expensive vet bills. Most pet insurance providers also offer wellness or preventative care benefits to encourage the overall health and routine care of your animal.
While we recommend Lemonade for its combination of extensive customization options, high maximum coverage limit and easy-to-use mobile app, other providers may be a better fit depending on your needs.
For example, Embrace has a variety of unique savings opportunities, Prudent Pet provides extra coverage in its Ultimate Plan, and ASPCA Pet Health Insurance has a long-standing reputation and years of experience. If you need unlimited coverage with total reimbursement, Figo can meet your needs.
Summary: Cheap and best pet insurance Companies in USA Ratings
| COMPANY | FORBES ADVISOR RATING | REIMBURSEMENT CHOICES | DEDUCTIBLE CHOICES | VIEW MORE |
|---|---|---|---|---|
 |
5.0  |
70%, 80%, 90% | $200, $300, $500, $750, $1,000 |
Via PetInsurer.com’s Secure Website |
 Pets Best |
5.0 |
70%, 80%, 90% | $50, $100, $200, $250, $500, $1,000 |
Via PetInsurer.com’s Secure Website |
 ManyPets |
4.5 |
80%, 90%, 100% | $100, $250, $500 |
|
 Figo |
4.5 |
70%, 80%, 90%, 100% | Varies by pet age |
Via PetInsurer.com’s Secure Website |
 Lemonade |
4.5 |
70%, 80%, 90% | $100, $250, $500 |
Via PetInsurer.com’s Secure Website |
 Spot |
4.5 |
70%, 80%, 90% | $100, $250, $500, $750, $1,000 |
Via PetInsurer.com’s Secure Website |
 ASPCA |
4.0 |
70%, 80%, 90% | $100, $250, $500 |
|
 Nationwide |
4.0 |
50%, 70%, 90% | $250 |
Via PetInsurer.com’s Secure Website |
 Prudent Pet |
4.0 |
70%, 80%, 90% | $100, $250, $500, $1,000 |
|
 TrustedPals |
4.0 |
70%, 80%, 90%, 100% | $0, $100, $250, $500, $750 |
Via PetInsurer.com’s Secure Website |
What Does Pet Insurance Cover?
What’s covered by pet insurance will depend on the type of plan you buy. Pet insurance plans are generally available in three varieties:
Accident and illness plans (the most common)
Accident-only plans
Wellness plans for routine care such as vaccinations, usually available as an add-on
Accident and illness plans generally cover injury or sickness such as broken bones, cancer, hereditary conditions and congenital conditions, and more. Accident-only plans cover only accident-related problems, like a broken bone.
You can add a routine wellness plan to many pet insurance policies. This will offset the cost of the annual vet wellness visit, vaccinations, heartworm treatment and other routine care costs that help keep your pet healthy.
Pet insurance may not cover pre-existing conditions, meaning conditions your pet had before the policy went into effect, including any waiting period. Ask whether there’s a look-back period so that conditions before the look-back period can be covered.
Types of Pet Insurance Plans
Before purchasing a pet insurance policy, determine what type of coverage you need. Most companies offer accident and illness plans, and some also offer accident-only plans for a lower monthly premium. Some companies may also offer an optional wellness care plan that can be added to your policy for an extra monthly fee.
Here are more details about each pet insurance plan option:
- Accident-only plans: These plans are more affordable than accident and illness plans since they cover vet bills resulting from accidents or injuries, such as broken bones, swallowed objects or severe cuts.
- Accident-and-illness plans: These plans offer the most comprehensive coverage and cover both accidents and illnesses, such as diarrhea, vomiting, toxic ingestions and other conditions, such as cancer and hereditary, congenital and genetic conditions.
- Wellness or preventive care: Wellness or preventive care plans can be purchased from most providers alongside your standard policy. They usually cover annual check-ups, vaccines, bloodwork and fecal tests. Companies like Lemonade and Pumpkin offer wellness coverage for a flat rate each month, while other companies, including Embrace, Prudent Pet and ASPCA Pet Health Insurance, offer their wellness coverage add-ons at different price points. This optional coverage can be especially valuable for younger pets, since puppies and kittens usually require more preventive health care attention with vaccinations and initial checkups.
