Top Pet Insurance Plans
in the U.S. 2024

Save Big on Future Vet Bills

Keep your Pets Happy and Healthy Today!

Amazing Deal!
Metlife Pet Insurance as low as $29/month
Metlife logo
star icon Best Deal
  • Plans can start at just $29 with customizable deductible and reimbursement rates
  • Reimbursement for up to 90% of vet costs
  • Coverage for pets of any age and breed, and no lifetime or per incident limits
Lemonade logo
  • Policy options for up to 90% back on vet bills
  • Coverage available for dogs or cats
  • Friendly Customer Service
  • Free Online Quote
Animalia logo
  • Affordable dog and cat plan options
  • Choose any licensed veterinarian
  • Covers curable pre-existing conditions
  • Free Online Quote
Embrace logo
  • Up to 90% back on vet bills
  • Award-winning customer service
  • 30-Day Money Back Guarantee
  • Free Online Quote
Healthy Paws logo
Healthy Paws
  • 30-Day Money Back Guarantee
  • Over 900 5-Star customer reviews on Google
  • #1 Rated By US News World Report
  • Visit any US licensed veterinarian or emergency clinic
Fetch logo
  • Get back up to 90% on unexpected vet bills
  • Exam fees are included (Save $50-$250 per sick visit)
  • $1,000 in online vet visits included at no extra charge
ASPCA logo
  • Visit any Licensed Vet in US
  • Lightning-fast direct bank deposits
  • Get a free pet insurance quote today
Wagmo logo
  • Fast 2-day claim reimbursement - via Venmo, PayPal, or direct deposit
  • Save Up to 10% For Eligible Multiple Pet
  • Create a plan based on your family's needs

Frequently Asked

What is Pet Insurance?

Pet insurance is a policy that helps cover the cost of veterinary expenses should your pet become ill or injured. Similar to human health insurance, pet insurance requires a monthly premium and may require you to pay a deductible before the coverage kicks in. The scope of coverage depends on the type of plan you choose.

What Does Pet Insurance Typically Cover?

Most pet insurance plans provide coverage for a range of issues, including:

  • Accidents: Such as injuries from a car accident.
  • Illnesses: Including chronic and hereditary conditions.
  • Diagnostic Tests: Such as X-rays and blood tests.
  • Surgeries and hospitalization.
  • Prescriptions.

Some plans also cover wellness visits and preventive care, such as vaccinations and routine check-ups. Always read the policy for complete details.

What Doesn't Pet Insurance Cover?

Pet insurance usually does not cover:

  • Pre-existing conditions: Any health issue your pet had before coverage started.
  • Routine and preventive care: Unless you have a plan that includes wellness coverage.
  • Cosmetic procedures: Like tail docking or ear cropping.
  • Breeding costs: Such as pregnancy or injuries due to breeding.

Is Pet Insurance Worth the Cost?

The value of pet insurance can depend on several factors, including the age and breed of your pet, their health history, and the cost of veterinary care in your area. In many cases, pet insurance can offer peace of mind and significant savings for pet owners should their pet experience a severe health issue or accident.

Can I Insure More Than One Pet?

Yes. Most pet insurance carriers have plans that allow you to protect all your furry family members with a single deductible for the whole family.

Can I Choose My Vet?

Yes, with most pet insurance plans, you can choose any licensed vet, specialist, or emergency care provider. There are usually no networks like you would find with human health insurance. Always read the policy for complete details.

How Does Reimbursement Work?

After your pet receives treatment, you typically pay the vet bill in full, then submit a claim to your pet insurance provider. They will calculate the reimbursement based on the terms of your policy and send you a payment. Always read the policy for complete details.

Can Older Pets Be Insured?

Yes, but the premiums may be higher, and the coverage may be more limited. Always read the policy for complete details.