Compare Pet Insurance Plans by Affordability and Ratings

Comparing pet insurance plans means evaluating quotes and plan coverage options to find the best value for your pet's needs. We analyzed quotes from top providers and rated each company based on affordability, customer satisfaction, and coverage levels.

Our national ratings appear alongside pet insurance quotes to help so you can compare the best combination of competitive rates and reliable coverage. Use these pet insurance plan ratings as your starting point when requesting personalized quotes for your pet.

Compare Pet Insurance Company Ratings

To start your comparison journey,  we've broken down key details of top pet insurance companies and our national ratings for each.

Pet Insurance Company
National MoneyGeek Rating
Average Monthly Premium
A.M. Best Rating
Discounts Savings Available

Pets Best

97 out of 100

$26

A-

Up to 10%

Healthy Paws

93 out of 100

$41

A++

None

Embrace

78 out of 100

$35

A+

Up to 10%

Hartville

78 out of 100

$37

A

Up to 10%

ASPCA

78 out of 100

$37

A

Up to 10%

Trupanion

77 out of 100

$52

Not Rated

None

Figo

75 out of 100

$39

A-

Up to 15%

Shield Insurance
How We Got Our Pets Insurance Plan Ratings and Rates

Average costs presented are for plans ranging from $5,000 to Unlimited coverage with either a $250 or $500 deductible and 80%-90% reimbursement. All scores were calculated based on affordability compared to other companies on the market, overall customer satisfaction based on reviews for both the buying and claims experiences, and industry financial stability based on A.M. Best ratings.

Compare Pet Insurance Company Reviews

Pet insurance companies differ in how they handle claims, respond to customers and process reimbursements. We reviewed major providers to show which companies deliver reliable service beyond competitive quotes.

Our provider reviews break down each insurer's customer satisfaction ratings, claims experiences and coverage details. Use these reviews alongside quotes to find a company that fits your budget and meets your service expectations.

Compare Pet Insurance Plan Coverage Details

Coverage details vary between pet insurance companies, making side-by-side comparison important when evaluating quotes. We compiled coverage options, waiting periods and sample agreements from top providers to help you compare plans accurately.

Review each company's reimbursement limits, deductible options and add-on coverage before requesting quotes.  Compare pet insurance quotes for similar plan coverage levels.

Pet Insurance Company
Coverage Options
Waiting Period
Sample Agreement

Pets Best

  • Max Annual Reimbursement: $2,500, $5,000, $10,000 or Unlimited
  • Deductible Choices: $50 to $2,000 in $50 increments
  • Reimbursement Levels: 50%, 60% 70%, 80%, 90%
  • Add-ons: Routine wellness coverage
  • 3 days for accidents
  • 14 days for illnesses
  • 6 months for cruciate ligament conditions

Pets Best Sample

Healthy Paws

  • Max Annual Reimbursement: Unlimited
  • Deductible Choices: $250, $500, $1,000
  • Reimbursement Levels: 70% and 80%
  • Add-ons: None
  • 15 days for illness and accidents
  • 12 months for illness from hip dysplasia

Healthy Paws Sample

Embrace

  • Max Annual Reimbursement: $5,000, $8,000, $10,000, $15,000, Unlimited
  • Deductible Choices: $100, $250, $500, $750, $1,000
  • Reimbursement Levels: 70%, 80%, 90%
  • Add-ons: Exam fee, prescription, and routine wellness coverage.
  • 2 days for accidents
  • 14 days for illness
  • 6 months for orthopedic issues

Embrace Sample

Hartville

  • Max Annual Reimbursement: $2,500, $4,000 $5,000, $7,000, and $10,000
  • Deductible Choices: $100, $250, $500
  • Reimbursement Levels: 70%, 80%, 90%
  • Add-ons: Routine wellness coverage

14 days for all conditions

Hartville Sample

ASPCA

  • Max Annual Reimbursement: $2,500, $5,000, $10,000, Unlimited
  • Deductible Choices: $100, $250, $500
  • Reimbursement Levels: 70%, 80%, 90%
  • Add-ons: Routine wellness coverage

14 days for all conditions

ASPCA Sample

Trupanion

  • Max Annual Reimbursement: $5,000
  • Deductible Choices: $50 to $1,000 in $50 increments
  • Reimbursement Levels: 90%
  • Add-ons: Recovery and Non-Clinical Care, Pet Owner Assistance
  • 5 days for injuries
  • 30 days for illnesses

Trupanion Sample

Figo

  • Max Annual Reimbursement: $5,000, $10,000, Unlimited
  • Deductible Choices: $100, $250, $500, $750
  • Reimbursement Levels: 90%
  • Add-ons: Vet exam fees and routine wellness
  • 1 day for accidents
  • 14 days for illnesses
  • 6 months for orthopedic, ligament, and hip dysplasia injuries

Figo Sample

Compare the Best Pet Insurance Plans by State

Pet insurance rates and available companies vary by state due to local veterinary costs and regulations. We analyzed the best and most affordable pet insurance plan for each state to help you find competitive quotes in your area.

In the table, compare rates and coverage options from the top-rated companies available in your location.

Compare Pet Insurance Plans and Quotes by Breed

Pet insurance premiums and the best pet insurance plans vary by breed, and no single company offers the best rates for every pet. Our breed-specific resources help you compare costs and find the right coverage for your companion.

How to Compare Pet Insurance Plans

Finding the right pet insurance gets complicated with dozens of coverage options and conflicting advice online. We created a guide on how to buy pet insurance and find the best deal.

  1. 1
    Research and Decide on Coverage Level Before Quotes

    Know how much coverage you need before buying. Avoid overpaying. Three components determine your plan:

    • Maximum Annual Reimbursement: Annual claim limit. Set limit or unlimited.
    • Deductible: What you pay before insurance reimburses you for a covered incident.
    • Reimbursement Percentage: Percentage of covered bills your insurer pays back.

    Standard plans exclude routine care, grooming and pre-existing conditions. Some providers sell add-ons covering these items. Many offer accident-only policies or combined accident and illness coverage.

  2. 2
    Learn About Costs and Discounts

    Understand what pet insurance costs at different coverage levels. Research discounts you qualify for. Save up to 15% based on our research. Cost factors:

    • Pet Age: Older pets face more accidents and illnesses, increasing premiums.
    • Breed: Some breeds carry higher risk due to genetic issues or behavioral factors.
    • Pet Size: Size affects life expectancy and medication dosages for covered incidents.
    • State: Your state increases or decreases costs for procedures, medication and covered items.
    • Your Veterinarian: Provider pricing affects your insurance cost through different rates for procedures, checkups, medication and covered items.
  3. 3
    Read The Fine Print For Policy Terms

    Compare each provider's coverage, exclusions, waiting periods, reimbursement options (direct to vet or direct deposit) and claim processing. Research reveals coverage value and claim convenience. Every provider offers sample policies, many state-specific. Comparison is straightforward. Ask an agent about these details before committing.

  4. 4
    Compare Quotes from Multiple Pet Insurance Companies

    Most providers offer quote tools making comparisons fast. Use identical coverage limits and deductibles for accurate comparisons. Larger insurers like Geico or Nationwide sell pet insurance through partners. Verify you're comparing different providers.

Comparing Pet Insurance Plans: FAQ

Additional pet insurance guides are available to let you compare coverage options and find the best quotes for your pet.

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