13 Best Companies that offer Pet Insurance | Best List

Getting insurance for a pet can sustain expenses when you are financially unstable. Taking care of a pet requires maximum attention and getting insurance is one of the ways. So the following are companies that offer quality pet insurance.

Do really take your time to find a read-through!

1.Figo: Here the Illinois-based company offers a modernized approach to pet insurance, providing features like a 24/7 live vet chat, online claims, and other resources. 
Consequently, Figo checKs the boxes for illness and injury To cover up and has numerous levels of protection your budget can fit into fast, turn time on claims payment as well as coverage for hereditary and congenital conditions, including hip dysplasia, etc.

Figo has been in business for seven years and has a Better Business Bureau (BBB) rating of B+ with policies underwritten by Independence American Insurance Company.
A.There is coverage for accidents and illnesses but no wellness plan option.

B. Monthly cost of plans: They offer three levels of protection: Essential, Preferred, and Ultimate. Rates for a one-year-old Jack Russel Terrier were quoted at $35.57, $39.62, and $41.14 per month, respectively. You can customize your benefits by selecting a deductible of $100, $250, $500, or $750, with reimbursement options ranging from 70% to 100%.

C. There is a waiting period, so you must wait three days for accident or injury coverage, 14 days for illness, and 6 months for knee conditions.

D. The annual policy is a maximum lifetime benefits are between $5,000 and $200,000 per pet, and maximum annual benefits per pet are between $1,000 and $20,000.

Policy coverage differences:  
Here they do not cover prescription food, wellness or spaying, or dental cleanings.

Trupanion has been offering pet insurance since 2000 and they protect cats and dogs with Consistent 24/7 assistance and benefits that we didn’t find with other pet insurers. Two features, in particular, can make a huge difference in your pet care:

Premiums are based on signup age, not birthday age, meaning once you insure a two-year-old dog, for example, your rate remains the same even when your dog turns 10.Exceptions are not revised year to year for newly diagnosed conditions. Other pet insurance companies may review or cancel plan coverage upon renewal once they have paid out claims on certain medical conditions but Trupanion does not do this.

Trupanion has a BBB rating of A- but has had two government actions against them: one for providing gifts to pet-care providers for referrals, which was settled by paying fines, and another for sales in California by unlicensed insurance representatives.3

Monthly cost of plans: Pricing runs high compared to other insurers, especially for younger pets, those under three years of age.

There is a 30-day waiting period for illness and a five-day waiting period for injuries. Already existing conditions are not covered; these are defined as conditions whose evidence existed within 18 months of the policy enrollment, including repeating injuries.

Policy coverage differences: Trupanion gives benefits unlike other pet insurers, like hip dysplasia and all hereditary and congenital conditions without already existing symptoms.They give options for supplemental rider which is available for acupuncture,the behavioral modification, chiropractic, homeopathy, hydrotherapy, naturopathy, physical therapy, and rehabilitative therapy.
They don’t have a policy cap unlike Figo.

3.Healthy Paws: Best for Dogs and Cats

Healthy Paws Pet Insurance & Foundation has been around since 2009. The founders met through a no-kill animal shelter with both wanting to find a way to provide pet parents the means to affordable quality veterinary treatments.

Healthy Paws has a BBB rating of A+ and provides coverage through two of the largest insurers in the world, Aon Affinity Programs and the Ace Chubb Insurance Group, both known for high-value home insurance programs.
Owners must wait 15 days for accident or illness claims and 12 months for hip dysplasia or related issues.13

There is an annual deductible instead of a per condition co-pay with no maximum payouts.
Healthy Paws gives coverage differences new accidents, illnesses, and injuries. Coverage deductibles and co-pay amounts are finite as pets get older. 
Benefits payment terms: Healthy Paws pays 99% of claims just in two days.
 Healthy Paws gives great pricing for both dogs and cats with up to 90% of expenses paid on covered claims.

4.Pets Best:
Pets Best was founded in 2005 by veterinarian Dr. Jack Stephens, who launched the first pet insurance company in North America in 1981. They have paid out over $200 million in claims to policyholders and currently insure over 100,000 pets in the U.S.14 They have a Better Business Bureau rating of A+.15 

The company offers pet insurance that you can personalize with various levels of protection and other add-on options to enhance your pet’s well-being. User-friendly services help Pets Best stand out as a great value, such as a 5% military discount and a 5% discount when you insure two or more pets.16 They may also offer the option, on a case-by-case basis, to waive waiting periods when you switch from another pet.

Their deductible options are $50, $100, $200, $250, $500, and $1,000, and you may select coverage levels of 70%, 80%, or 90%.

The waiting period for accidents is three days, 14 days for illnesses, and six months for cruciate ligament conditions.

What are the annual policy caps? Pets Best lets you choose one of four annual policy limits: $2,500, $5,000, $10,000, and up to no cap.

Policy coverage differences: Pets Best offers a 24/7 Vet Helpline. Their coverage includes accidents, illnesses, cancer, hereditary conditions, emergency care, and surgeries. The Plus plan also includes exam fees. Elite coverage includes rehabilitation, acupuncture, and chiropractic coverage. Prescription medication benefits may also be added or included.

Are preventive items covered? Wellness coverage is not included, but optional preventive care programs are available for about $20 a month.

Benefits payment terms: Pets Best allows several digital options to make a claim. You can submit a photo of your vet invoice via the app or upload the invoice online. You can send it by email or mail, as well.

What we like: Because Pets Best allows you to customize your coverage, you are able to purchase and pay for the options most important to you and your pet, giving Pets Best our nod for best value.

5.PetPartners, Inc.

PetPartners, Inc., has been offering insurance to pet parents since 2002. They are the exclusive pet insurance provider of the American Kennel Club (AKC).18 PetPartners is underwritten by Independence American Insurance Company and American Insurance Pet Company.19 PetPartners, Inc., has a Better Business Bureau rating of A+.

1 year: $50.22 for a dog; $56.40 for a cat3 years: $50.06 for a dog; $56.22 for a cat6 years: $65.09 for a dog; $87.72 for a cat

The waiting period is 14 days for illness, two days for accidents, and 180 days for cruciate ligament-related conditions.

You can choose from different plans that offer either annual limits or un-capped annual benefits. For example, the basic coverage includes a $500 per incident limit. The maximum limits for optional alternative, holistic, or behavioral coverages are $1,000. 

Hereditary and congenital condition coverage is not included, but may be added as an option to your plan. You may also choose to add wellness coverages including vet exam coverage and preventive care such as spaying or neutering and dental cleanings. 

PetPartners offers 5% discount for multiple pets with what is already competitive pricing for each of your animals.

6. Nationwide:

Nationwide is the largest pet insurer in the U.S., providing coverage for cats, dogs, and exotic pets. They have been offering this protection since 1982 and insure more than 780,000 pets.23 Nationwide Veterinary Pet Insurance has a BBB rating of A+.24 

Their program for birds, reptiles, amphibians, and small mammals includes the same coverage options that they offer in dog and cat insurance.They insure pets such as:

Small Mammals: Chinchillas, gerbils, mice, potbellied pigs, goats, guinea pigs, hamsters, hedgehogs, mini pigs, rats, sugar gliders, rabbits, and ferrets.Birds: African grey, amazon, canary, cockatiel, cockatoo, conure, finch, lory, lovebirds, macaw, mynah, parakeet, parrotlet, toucans, and other birds.Reptiles: Amphibians including toads, bearded dragons, chameleons, frilled dragons, geckos, iguanas, monitor lizards, snakes, tegu, tortoise, water dragons, and others.

The monthly cost of plans: Plans will vary widely based on the species; it is best to call for complete details.

There is a 14-day waiting period for medical coverage that begins after the policy is approved and your payment has been received. Wellness coverage begins 24 hours after the policy is issued.

Nationwide gives you the benefit to select any vet you choose for services. Wellness coverage may also be included in their plans. If your pet is enrolled before age 10, they are guaranteed coverage as long as you pay premiums.

Electronic claim payment is available. Nationwide takes up to 30 days for claims to be completed after they receive all necessary information.

An advantage over other insurers, Nationwide has developed policies to care for many uncommon pets that may be part of your family. This clinches their position as best for exotic animals.

Related post: Pet Waste Removal Business in 2022: Secrets on how to Start Making $75/hr

7.ASPCA Pet Health Insurance for Horses:

For basic pet insurance for your horse, ASPCA Pet Health Insurance offers comprehensive coverage, with colic, accident, illness, and wellness coverage options.
ASPCA’s program is administered by C&F Insurance Agency, Inc., a licensed insurance agency established in 1822, with experience in underwriting insurance products since 2006.
Here there is a 14-day waiting period before coverage starts.

Coverage includes dental disease, behavioral issues, hereditary conditions, exam fees, diagnostics, and accident or illness treatment.
Interesting, reimbursements are available by direct deposit or by check through the mail. Claims processing takes 14 to 16 days.

ASPCA serves unique coverage for pet horses where other insurance providers treat them as livestock without coverage. This sets ASPCA Pet Health Insurance ahead of others.

Leave a Reply
You May Also Like