Buying pet insurance for your dog or cat can be daunting. As a lifelong pet owner and a nationally licensed insurance agent, Matthew H. Nash understands the frustration when trying to determine the best pet insurance company. Since 2020, he has helped thousands of pet parents select the ideal pet insurance policy for their fur babies.
Our objectively ranked comparison table is trusted by emergency veterinarians, groomers, service dog professionals, dog trainers, and many more.
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8 Best Pet Insurance Plans Compared (October 2024)
Updated on October 1, 2024, by Matthew H. Nash – Licensed Insurance Agent
| Insurance Provider | SwiftScore | Standard Plan Cost | Reimbursement Amount | Annual Benefit | Key Features |
|---|---|---|---|---|---|
| Lemonade | 4.9 | $26.31/mo | 90% | $20,000 |
|
| ASPCA | 4.7 | $44.84/mo | 90% | $5,000 |
|
| Figo | 4.7 | $36.24/mo | 90% | $5,000 |
|
| Fetch | 4.6 | $49.12/mo | 90% | $5,000 |
|
| Odie | 4.6 | $32.63/mo | 90% | $10,000 |
|
| Pumpkin | 4.5 | $63.48/mo | 90% | $10,000 |
|
| Embrace | 4.5 | $47.71/mo | 90% | $5,000 |
|
Choosing The Right Pet Insurance
Choosing the right pet insurance can be challenging. However, it is important to consider factors such as cost, reimbursement amount, and annual benefit. The key features of each provider can help you make an informed decision.
Lemonade
Lemonade offers the best all-around pet insurance policy at the most affordable rates. Their user experience is world-class. It’s easy to get support from their award-winning customer service team. Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders.
ASPCA
ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer affordable “accident-only” plans in addition to their preventative care coverage. ASPCA has insured more than 600,000 pets while processing more than 2.2 million claims. Founded in 1997, they are underwritten by Crum & Forster.
Figo
Figo offers users an amazing complimentary service to connect with vets via video chat 24/7. They also have an easy-to-use pet records app and real-time claims tracker. Founded in 2013, they are underwritten by Independence American Insurance Company.
Fetch
Fetch makes it easy to use any licensed vet in the US or Canada. Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit. Fetch is protecting over 400,000 dogs and cats and is rated ‘Excellent’ on Trustpilot.
Odie
Odie has several options available to suit any pet parent’s budget including complete coverage, injury & illness, and accident-only plans. They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit. Odie was founded in 2019 and is underwritten by Trisura Insurance Company.
Pumpkin
Pumpkin Pet Insurance plans have extensive coverage and offer up to a 90% reimbursement rate. Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost. Pumpkin was founded in 2020 and is underwritten by United States Fire Insurance Company.
Embrace
Embrace offers a unique “Healthy Pet Deductible” feature, which allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement. This feature can save you money in the long run.
Conclusion
When deciding What is the Best Pet Insurance for your furry friend, consider these top providers. Each has unique features that cater to different needs and budgets. Make sure to evaluate your specific requirements and choose the plan that offers the best protection for your pet.
For more detailed comparisons and to find the best pet insurance for your pet, visit The Swiftest.
Frequently Asked Questions
What Is Pet Insurance?
Pet insurance helps cover veterinary costs for your pets.
How Does Pet Insurance Work?
You pay a monthly premium, and the insurer reimburses eligible vet expenses.
What Does Pet Insurance Cover?
Pet insurance typically covers accidents, illnesses, and surgeries.
How Much Does Pet Insurance Cost?
Costs vary, averaging between $20 to $60 monthly.
