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Best Pet Insurance Plans - 2021

Keeping your pet safe, healthy, and happy is your biggest concern as a pet parent. Pet insurance helps protect your pet if he gets sick or injured. Compare pet insurance plans and get covered today.

UPDATED FOR MAY 2021
Score
Features
Bottom Line
Editor's Choice
9.8

  • Claims paid almost instantly
  • Medical advice chat
  • Top-rated customer service
  • Sign up in seconds
Protect your pet starting at $10/month
9.4

  • Diminishing deductible
  • Coverage for exam fees
  • Quick reimbursement
  • Wellness plan option
Personalized policies with no lifetime limit
8.9

  • Choose your own vet
  • 24/7 veterinarian helpline
  • Multiple pet discount
  • Cesar Millan's #1 choice
Affordable, fully customizable coverage options.
8.7

  • Easy claims process
  • Cover multiple pets
  • No lifetime limits
  • Choose your own vet
Well-established company comprised of professional, caring pet lovers
8.5

  • Free direct reimbursement
  • Personalized coverage
  • Track claims online
  • Wellness care option
Affordable & up to 90% reimbursement on eligible vet bills
8.3

  • Easily submit claims
  • Low rates for multiple pets
  • Accident-only coverage
  • Online member center
Easily submit claims & get reimbursed
8.0

  • 90% reimbursement
  • Extensive coverage
  • No upper age limit
  • Multiple pet discount
Best-in-class accident & illness coverage in the US & Canada
7.9

  • Low monthly premiums
  • $0 out-of-pocket expenses
  • Pays your vet directly
  • No age or breed restrictions
Cover up to 6 pets for $19/month
7.7

  • No waiting period
  • Low deductible & co-pay
  • Claims paid in 3-5 days
  • Coverage up to $100,000
Low rates that won't increase due to pet aging
SHOW MORE

Our Recommendation

Score
Bottom Line
Editor's Choice
9.8

Award-winning pet insurance. Sign up in seconds, get paid in minutes.
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Joe Schwartz | Pet Insurance Editor

Joe is the chief content editor of TheTop10Sites and manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

Most Commonly Asked Questions About Pet Insurance Plans

Before getting started with a pet insurance plan make sure to familiarize yourself with how pet insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly ask questions about pet insurance to help make sure your dog or cat is fully covered and protected.

 

What is Pet Insurance?

Whether a dog, cat, horse, or even a snake, pets may need to see a vet at some point. Vet bills can add up, and sometimes cost thousands of dollars. Rather than paying for a pet’s medical expenses out of pocket, signing up for pet insurance plan will help cover the costs of future routine and emergency veterinary bills.

 

How Does Pet Insurance Work?

Pet insurance works a lot like human health insurance in that plans include payment features like deductibles, co-pays, maximum coverage, premiums, waiting periods, and no coverage for pre-existing conditions. 

Deductible: Customers pay a small amount before the insurance company covers remaining costs of the vet bills. Per-incident deductibles incur for each new expense. An annual deductible refers to money the customer must pay each year. 

Co-pay: Co-pay is the percentage customers pay after the deductible. Then the insurer will pay the remaining amount. For example, if your co-pay is 10%, the insurer will cover 90% of the bill. 

Maximum coverage: Insurers will limit the amount covered. After that, the pet owner will need to pay the rest. Some insurers have the option for unlimited coverage. Premium: The amount of money the customer pays monthly for pet insurance. 

Waiting period: The amount of time before your coverage starts. Sometimes pet insurance providers will not cover an illness or injury if it occurs during the waiting period. 

Pre-existing conditions: Pet insurance providers do not cover pre-existing. This refers to a health condition that exists prior to the insurance coverage.

 

How Much Does Pet Insurance Cost?

Pricing and plans vary according to the company and location as well as the animal breed and age. Typically, premiums for dogs cost an average of around $40 monthly. Cats, on average, cost a bit less at $26 a month. Costs will also depend on the selected deductible, maximum coverage, and add-on coverage options.

 

What Does Pet Insurance Cover?

Each pet insurance provider has its own customized insurance policies. Many of them typically cover emergency medical procedures in the event of illness or injury. Some also include wellness coverage like vaccinations or exams.

 

Can Pet Insurance Save You Money?

Medical bills, even for pets, can end up costing a lot of money. Paying out of pocket could cost you thousands of dollars and lead to debt. If you own a pet, paying a little now can save you a lot later on. With our list of the top pet insurance companies, you can shop around for the best option for your pet to ensure you get a good deal for quality coverage.