Top Pet Insurance Companies for 2024

Top Pet Insurance Companies for 2024

When it comes to choosing the right pet insurance, the options can feel overwhelming. We’ve researched and ranked the top pet insurance providers of 2024, considering factors like coverage options, customer service, and pricing. The following companies stand out for their overall value and unique offerings.

Best Pet Insurance Companies at a Glance:

• ASPCA – Best for comprehensive coverage.
• Embrace – Best for flexible wellness plans.
• Hartville – Best for simple waiting periods.
• MetLife – Best for discounts.
• Pets Best – Best for dog insurance.
• Spot – Best for cat insurance.

ASPCA Pet Insurance: Best for Comprehensive Coverage

ASPCA offers one of the most well-rounded pet insurance policies available. With coverage that goes beyond the basics, ASPCA includes a variety of treatments such as alternative therapies, behavioral issues, and even coverage for microchipping and prescription food. They also provide plans for dogs, cats, and even horses.

• Key Features:
• Unlimited annual coverage available.
• Covers a wide range of conditions, including dental illnesses, behavioral issues, and congenital conditions.
• Offers accident-only and wellness plans.
• Pros:
• Broad coverage options for cats, dogs, and even horses.
• Short waiting period for cruciate ligament injuries.
• Option for a preventive care plan that covers dental care, vaccinations, and heartworm tests.
• Cons:
• To get an online quote for unlimited coverage, you’ll need to call directly.
• Sample Monthly Premiums:
• Dogs: $31 (2 years old) – $73 (8 years old)
• Cats: $17 (2 years old) – $31 (8 years old)
• Plans Available: Accident and illness, accident-only, wellness.
• Waiting Period: 14 days for accident and illness coverage, immediate coverage for wellness plans.

Embrace: Best for Flexible Wellness Plans

Embrace offers a customizable pet insurance policy with a strong focus on wellness. Their Wellness Rewards plan is one of the most extensive, covering everything from check-ups and vaccinations to grooming and nutritional supplements. This flexibility allows you to tailor your coverage based on your pet’s unique needs.

• Key Features:
• Covers curable pre-existing conditions.
• Offers a wide range of deductibles and annual coverage limits.
• Includes coverage for chiropractic care, acupuncture, and other alternative treatments.
• Pros:
• Customizable plans that can include wellness and preventive care.
• Can reduce the waiting period for orthopedic coverage with a vet exam.
• Extensive network of covered treatments.
• Cons:
• Doesn’t cover prescription food or supplements unless a wellness plan is purchased.
• Sample Monthly Premiums:
• Dogs: $44 (2 years old) – $80 (8 years old)
• Cats: $24 (2 years old) – $42 (8 years old)
• Plans Available: Accident and illness, accident-only, wellness.
• Waiting Period: 2 days for accidents, 14 days for illnesses, and 180 days for orthopedic conditions (reduced to 14 days with vet exam).

Hartville: Best for Simple Waiting Periods

Hartville is a strong option for pet owners looking for straightforward coverage and a simplified claims process. The company stands out for offering unlimited annual coverage and covering many curable pre-existing conditions after they’ve been symptom-free for 180 days.

• Key Features:
• Offers 24/7 access to a vet helpline.
• Includes coverage for many curable pre-existing conditions after a 180-day waiting period.
• Affordable monthly premiums.
• Pros:
• Simple and easy-to-understand policies.
• Unlimited coverage available.
• Covers most curable pre-existing conditions.
• Cons:
• Doesn’t cover herbal supplements.
• Plans Available: Accident and illness, accident-only, wellness.
• Waiting Period: 14 days for accidents and illnesses.

MetLife Pet Insurance: Best for Discounts

MetLife offers competitive rates and various discounts, making it a great option for pet owners looking to save on premiums. The company also provides comprehensive coverage options, including options for both cats and dogs.

• Key Features:
• Unlimited coverage options available.
• Discounts for bundling with other MetLife policies.
• Fast claim processing.
• Pros:
• Discounts for multiple pets and bundling with other MetLife policies.
• Covers a wide range of treatments and services.
• Cons:
• Some policies may have higher premiums for older pets.

Pets Best: Best for Dog Insurance

Pets Best is particularly well-suited for dog owners, offering comprehensive coverage and affordable rates. The company has a strong reputation for excellent customer service and fast claim reimbursements.

• Key Features:
• Covers a wide range of accidents and illnesses.
• Offers preventative care options like vaccinations and wellness exams.
• Pros:
• High reimbursement rates (up to 90%).
• Affordable rates for dogs, with flexible deductible options.
• Cons:
• May not cover some exotic treatments or conditions.

Spot Pet Insurance: Best for Cat Insurance

Spot Pet Insurance offers some of the best coverage options for cats, including accident and illness coverage and options for preventive care. Spot also provides an easy-to-use app for managing your policy and submitting claims.

• Key Features:
• Accident and illness coverage with optional wellness plans.
• Includes coverage for routine exams, vaccinations, and spaying/neutering.
• Pros:
• Customizable plans for both cats and dogs.
• Quick claim processing.
• Cons:
• Limited coverage for older pets, depending on the policy.

Conclusion

Choosing the right pet insurance can help ensure your pet gets the best care without breaking the bank. Whether you’re looking for comprehensive coverage, flexible wellness options, or affordable premiums, there’s a pet insurance provider to meet your needs. The top companies we’ve highlighted offer strong policies with a variety of benefits, ensuring your furry friends are protected in the event of an accident or illness.