1
4.8
BestGuide's Rating
- Covers exam fees & alternative care
- Up to 90% reimbursement options
- Covers genetic & breed conditions
2
4.7
BestGuide's Rating
- Covers dental illness & prescriptions
- No upper age limit for enrollment
- Annual wellness package available
4.7
BestGuide's Rating
- 70% - 90% reimbursement rates
- Covers hereditary & chronic conditions
- Direct vet payments available
4
4.5
BestGuide's Rating
- Covers accidents, illness, & wellness
- Covers exam fees & diagnostics
- Multi-pet discount up to 10%
5
4.2
BestGuide's Rating
- Pet cloud app for medical records
- Covers hereditary & chronic issues
- No upper age limits on coverage
6
Trupanion
This company is not rated by BestGuide
- Similar To: Embrace
- Founded: 2000
- Headquarters: Seattle, WA
7
Healthy Paws
This company is not rated by BestGuide
- Similar To: Embrace
- Founded: 2009
- Headquarters: Bellevue, WA
Top Pet Insurance Companies by Features and Benefits
- Best Overall: Embrace »
- Best for Accident-Only Plans: Pumpkin »
- Best for Wellness & Preventive Care: Figo »
- Best for Multi-Pet Discounts: Pet's Best »
- Best for Fast Claim Processing: ASPCA »
- Best for Unlimited Annual Coverage: ASPCA »
- Best for Hereditary & Genetic Conditions: Embrace »
- Best for Senior Pets: Pet's Best »
- Best for Affordable Premiums: ASPCA »
- Best for Customizable Plans: Pumpkin »
Frequently Asked Questions
Question:
What does pet insurance typically cover?
Answer:
Pet insurance usually covers accidents, illnesses, surgeries, hospital stays, and prescription medications. Some policies also include diagnostic tests, hereditary conditions, and emergency care. Wellness plans can add coverage for routine check-ups, vaccinations, and dental cleanings. Coverage varies by provider, so reviewing exclusions and reimbursement terms is key before purchasing.
Ask an expert: Embrace »
Question:
Does pet insurance cover routine and preventive care?
Answer:
Routine and preventive care, such as vaccinations, flea/tick prevention, dental cleanings, and annual wellness exams, is not typically included in standard accident and illness plans. However, some insurers offer wellness add-ons that reimburse these costs. These add-ons can help lower overall pet healthcare expenses but may not cover all routine veterinary services.
Ask an expert: Figo »
Question:
Are hereditary and breed-specific conditions covered?
Answer:
Some pet insurance plans cover hereditary and breed-specific conditions, such as hip dysplasia or heart disease, but coverage varies. Policies may require that pets enroll before a certain age or be symptom-free at signup. If your pet’s breed is prone to genetic issues, it's important to confirm whether the policy includes coverage and whether there are any waiting periods or restrictions.
Ask an expert: Embrace »
Question:
Can I use any vet, or do I need to stay in-network?
Answer:
Most pet insurance plans allow pet owners to visit any licensed veterinarian, emergency clinic, or specialist without being restricted to a network. This flexibility ensures you can choose the best care provider, whether at home or while traveling. Some policies also offer coverage for international vet visits, but it's important to check provider details for any location-based limitations.
Ask an expert: ASPCA »
Our Top Picks
BEST OVERALL
Embrace
BOTTOM LINE
BEST VALUE
Pumpkin
BOTTOM LINE
TOP PICK
Pet's Best
BOTTOM LINE