The Best Pet Insurance of 2024

Our team has researched coverage levels, pricing, reimbursement policies, deductibles and more to help you make informed decisions about pet insurance. The pet insurance companies below have options to fit any budget and cover dogs and cats of all breeds and ages. We make it easy to get quotes and compare your options.

Last Updated: April, 2024


Very Competitive Pricing
Great 4.9 / 5.0
User Ratings
  • Deductibles Range from $100-$750 per Year
  • Reimbursement Up to 90% Available
  • Maximum Annual Coverage up to $100,000
  • Multiple Wellness Plans Available
  • Multi-Pet, Bundle, & Annual Payment Discounts
  • Only a 2 Day Waiting Period for Injury Coverage


Popular Choice
Excellent 4.8 / 5.0
User Ratings
  • One Stop Pet Health and Wellness
  • Unlimited Annual Coverage Options
  • $0 Deductible Options Available
  • 100% Reimbursement Options Available
  • Exam Fees for Accident and Illness Visits Covered
  • 24 Hour Waiting Period Available if Switching Insurers


Superior Customer Service
Good 4.6 / 5.0
Third Party Ratings
  • Variety of Coverage Plans Available
  • 90% Reimbursement Options Available
  • Coverage Options for ER Visits and Surgery
  • No Annual Fees or Lifetime Caps
  • Customer Service Options Include Live Chat, Email and Phone
  • Deductible Options from $100 to $1,000


Most Flexibility
Good 4.6 / 5.0
User Ratings
  • 90% Reimbursement Options Available
  • Diminishing Deductible Offered
  • Uncapped Annual Payouts
  • 2 Day Waiting Period for Accident Coverage
  • 24/7 Customer Telehealth Available
  • No Network Requirements


Shortest Waiting Periods
Good 4.5 / 5.0
User Ratings
  • 100% Reimbursement Options Available
  • Unlimited Benefit Plans Available
  • No Lifetime Maximums
  • Deductible Options Vary by Age
  • 24/7 Virtual Veterinary Assistance Available
  • 1 Day Waiting Periods for Accident Coverage


Customizable Coverage
Good 4.5 / 5.0
Third Party Ratings
  • Up to 90% Reimbursement
  • Deductible as Low as $100
  • Unlimited Annual Coverage Option
  • Routine Wellness Coverage Plan Available
  • 10% Multi-Pet Discount
  • 14 Day Waiting Period for Accident Coverage


Choose Your Deductible
Good 4.5 / 5.0
Third Party Ratings
  • 90% Reimbursement Option Available
  • Unlimited Coverage Option Available
  • 24/7 Pet Telehealth Phone Line
  • Direct Vet Pay Available
  • Routine Wellness Coverage Available
  • 3 Day Waiting Periods for Accident Coverage


Extra Perks Offered
Good 4.5 / 5.0
Third Party Ratings
  • Up to 90% Reimbursement
  • Deductible as Low as $100
  • Unlimited Annual Coverage Option
  • Routine Wellness Coverage Plan Available
  • Multi-Pet Discount of 10%
  • 5 Day Waiting Period for Accident Coverage


Direct Vet Pay Options
Good 4.5 / 5.0
Third Party Ratings
  • Unlimited Annual Coverage Available
  • Deductible as Low as $0
  • 24/7 Telehealth Available
  • Reimbursement up to 90%
  • No Multi-Pet Discount
  • 5 Day Waiting Period for Accident Coverage


Covers Vet Exam Fees
Good 4.4 / 5.0
Third Party Ratings
  • Up to 90% Reimbursement
  • Deductible as Low as $250
  • Unlimited Annual Coverage Option
  • Covers Vet Examination Fees
  • Can Cover Boarding Fees
  • 15 Day Waiting Period for Accident Coverage


Why You Should Compare Pet Insurance Companies and Coverage

It is important to compare different pet insurance companies and their coverage options because they all weigh pricing factors differently. Some of the biggest pricing factors include:

Location: Although most pet insurance premium rate tables take into account the state of residence, insurance companies will also take into account the actual zip code and specific area that your pet resides in. Densely populated and urban areas will have higher insurance costs than suburbs and rural areas do. More people and pets in less space tend to drive up the likelihood of illnesses and accidents that would need to be covered.

Age: The younger your pet is, the cheaper they are going to be to insure. Younger pets are more likely to be naturally in good health and have minimal issues early on. Some pet insurance carriers will actually refuse to cover pets past a certain age.

Species: As a general rule of thumb, dogs will cost more to insure than cats. If you have pets other than these two species, it is important to note that exotic pets can cost more, if they’re covered at all.

Gender: Male animals usually carry higher premiums than their female counterparts.

Breed: Large breeds will usually cost more for insurance. They tend to not live as long, and they wind up developing more health issues than smaller animals.

How Do You Find the Best Option?

Shop around, ask questions, and run the actual estimated numbers. Shopping around for pet insurance isn’t much different than shopping around for car insurance. Get at least three quotes so you have some idea what the basic price spread is going to be. The more you look around, the more options you will have to consider.

If your pet has certain conditions or afflictions, you need to know if they’re going to be covered or not. You also need to know what the waiting periods might be. Some pre-existing conditions might be treatable after a year of coverage under the right circumstances.

Running actual estimated numbers means looking past the raw quotes. Consider what various deductible and reimbursement levels might look like for the next year of likely vet and health bills for your pet. Also, look into discounts. You might save by bundling different insurance policies together or covering multiple pets at the same time.

The question to always ask yourself is how well pet insurance can possibly protect your finances? Your pet might go through the next year without any incident, but you’ll still need to pay your premiums anyway. What you’re looking to do is have the power to pay for your pet’s health in a worst-case scenario while still protecting your financial assets.

Key Takeaways

Your pet enriches your life in more ways than one, but they’re counting on you to help them live as long as they can and be as healthy as possible while alive.

  • Pet insurance makes health care for your pet economically manageable.
  • You pay monthly premiums and all bills in advance but can submit claims for varying levels of reimbursement.
  • Compare companies and their specific coverage to find policies that would work well for your specific pet.
  • The best policy does as much for your pet as your wallet.

The biggest benefit of pet insurance is not having to choose your financial health over the well-being of your pet. You really can enjoy the best of both.



Click here to compare pricing and plans from all major pet insurance companies


About Our Service helps pet owners research and compare pet insurance providers. In order to keep this information free, we receive advertising revenue from some of the providers featured on our website. Read More

Our Mission

Our mission is to provide you with helpful and detailed information about pet insurance while offering the easiest way to compare companies, plans and prices online.


Key Considerations
  • Coverage Levels

  • Monthly Premiums

  • Reimbursement Options

  • Deductible

  • Annual Coverage Limits