Compare the Best Pet Insurance Companies

See If You Qualify for Lower Rates

Ensuring the well-being of your cherished companions brings its set of financial responsibilities. However, a sudden ailment or incident shouldn’t translate into a hefty bill that strains your wallet.

Pet insurance protects your furry or feathered loved ones when unexpected health issues arise. With TrySmartly’s free online resources, you can navigate pet insurance options to find the right coverage at a budget-friendly price.

Consider some of the following top-rated pet insurance providers:

Best Pet Insurance

Several factors come into play when seeking some of the best pet insurance. Key coverage that accompanies some of the best pet insurance includes comprehensive coverage that covers accidents, illnesses, hereditary conditions, and routine check-ups. Additionally, a good policy should come with a reasonable premium, ensuring that pet owners receive value for their money without compromising on the quality of care.

When it comes to some of the best pet insurance companies overall, Embrace stands out for its comprehensive coverage at competitive prices. It offers annual coverage limits of $5,000, $8,000, $10,000, $15,000, and unlimited coverage. Deductible options range from $100 to $1,000, and reimbursement levels are 70%, 80%, or 90%.

What It Covers

Embrace offers a comprehensive pet insurance plan that includes accidents and illnesses. Here’s what you can expect in its standard coverage:

  • Diagnostic Testing: From detecting bone fractures using X-rays to identifying internal issues through MRIs and ultrasounds, Embrace provides coverage for a wide array of diagnostic procedures.
  • Hospitalization and Emergency Care: Hospital stays and emergency treatments are also covered.
  • Prescription Medications: Embrace covers the cost of medications prescribed by a veterinarian.
  • Preventable Conditions: Coverage extends to prevention against parasites, parvo, and Lyme disease.
  • Surgeries: Embrace offers insurance for surgeries, from the initial anesthesia to post-op rehabilitation.
  • Chronic Conditions: This covers long-term ailments, such as arthritis and diabetes.
  • Dental Illnesses: Coverage extends to conditions like gingivitis and procedures such as root canals and extractions.
  • Bread-Specific, Congenital, and Genetic Conditions: Coverage for conditions like allergies, hip dysplasia, and intervertebral disc disease.
  • Cancer Testing and Treatment: From early detection to comprehensive treatment plans, Embrace offers ample support in the journey against cancer.
  • Orthopedic Conditions: Coverage includes treatment for ligament tears, broken bones, and conditions like osteosarcoma.
  • Specialist Care: Standard coverage includes consultations with oncologists and behaviorists.
  • Alternative Therapies and Rehabilitation: Coverage extends to innovative treatments like acupuncture, laser therapy, and other rehabilitative procedures.
  • Behavioral Therapy: These include therapies for problems like aggression, marking, and pica, ensuring your pet remains well-adjusted.

Optional Add-Ons

Embrace also offers the following pet health coverage for an added cost:

  • Routine Check-ups: Wellness exam fees, vaccinations, and microchipping.
  • Surgical Procedures: Spay/neuter surgery and gastropexy.
  • Grooming & Care: Including toe nail trimming and medicated shampoos.
  • Alternative Therapies: Routine chiropractic care, reiki, and massage therapy.
  • Miscellaneous: Training, wearable pet activity monitors, and cremation or burial services.

Average Price

Embrace pet insurance costs about $50 on average monthly. This is for a $5,000 annual coverage, with a $250 deductible and an 80% reimbursement level. The average cost of pet insurance with unlimited coverage is $58.


Embrace offers the following discounts:

  • 5% to 10% multi-pet discount for insuring more than one pet with them
  • 5% military discount for veterans, active duty personnel, and their families

This table summarizes additional pet insurance companies that are highly rated in the industry:

Insurance Company Average Monthly Rate for Cats Average Monthly Rate for Dogs AM Best Rating
Figo $13 $32 A-
Pets Best $14 $36 A
Spot $18 $28 A
Lemonade $12 $28 A
Trupanion $55 $112 A
HealthyPaws $28 $59 A++
ManyPets $28 $66 A-

Ready to explore affordable pet insurance options? Get started online now.

Most Affordable Pet Insurance Company

Finding a balance between comprehensive coverage and affordability is the holy grail for many pet owners. Thankfully, there are pet insurance companies that understand this need, offering plans that combine essential coverage with competitive pricing.

ManyPets is rapidly becoming a popular choice among pet owners for its cost-effective coverage. ManyPets offers unlimited coverage with deductibles from $500 to $1,000 and 70% or 80% reimbursement levels.

What It Covers

ManyPets’ standard pet insurance plan covers the following:

  • Accidents and illnesses, including poisoning, broken bones, ear infections, and cancer
  • Consultation fees, medically necessary supplies, and hospitalizations
  • Diagnostic procedures, including blood tests, lab work, MRIs, and X-rays
  • Prescription medications
  • Surgical expenses

Optional Add-Ons

Moreover, ManyPets provides the following services at an additional cost:

  • Dental cleanings
  • Routine and preventative care, including vaccinations against rabies and Bordetella
  • Protection against pests, such as fleas, ticks, and heartworm prevention
  • Holistic supplements and treatments, including issues related to stress, anxiety, coat, skin, and bone and joint care

Average Price

ManyPets pet insurance costs around $36 per month for unlimited coverage, with a $500 deductible and 90% reimbursement level.


You can get a 5% discount if you insure more than one pet.

Here is a breakdown of additional cheap pet insurance policies by top-rated companies:

Insurance Company Average Monthly Cost for Unlimited Coverage for Dogs
ManyPets $36
Pets Best $50
Lemonade $55
Figo $55
Spot $59
Trupanion $60

Best Pet Insurance Company for Dogs

From breeds prone to certain health conditions to the playful nature of pups that might lead to unexpected injuries, insuring your dog can alleviate potential financial burdens.

Lemonade offers one of the best pet insurance policies for a wide range of dog breeds. Coverage limits range from $5,000 to $100,000. Deductible options are between $100 and $500, and reimbursement levels are 70%, 80%, and 90%.

What It Covers

Lemonade’s standard policy typically covers the following:

  • Accidents like sprains, bites, or broken bones
  • Illnesses ranging from ear infections to cancer or diabetes
  • Diagnostics, including blood tests, X-rays, MRIs, and ultrasounds
  • Hospitalizations, prescribed treatments, and surgeries
  • Prescription medications and injections
  • Alternative therapies like acupuncture, physiotherapy, and chiropractic care

Optional Add-Ons

Lemonade covers the following at an extra fee:

  • Behavioral therapy to address destructive behaviors, excessive barking, and separation anxiety
  • Dental illnesses, including dental surgeries, extractions, and root canals
  • Preventative packages for wellness exams, vaccinations, and other tests
  • Vet visit fees
  • End-of-life and remembrance coverage for vet-recommended euthanasia
  • Physical therapy, such as hydrotherapy

Average Price

Lemonade’s pet insurance for dogs costs $42 monthly for $5,000 of annual coverage. The cost would be about $55 for $100,000 coverage.

Here’s a detailed list of Lemonade’s quotes for different dog breeds

Dog Breed Average Monthly Cost*
Chihuahua $19
Mixed breed (small) $19
Shih Tzu $19
Yorkshire terrier $22
Mixed breed (medium) $25
Goldendoodle $28
Mixed breed (large) $33
Golden retriever $37
German shepherd $38
French bulldog $59
*The costs are based on $5,000 of annual coverage with a $250 deductible and 80% reimbursement level.


Lemonade offers several discounts to dog owners, including:

  • 5% multi-pet discount
  • 5% discount for paying premiums annually instead of monthly
  • 10% discount for bundling pet insurance with Lemonade home or renters’ insurance.

Best Pet Insurance Company for Cats

Cat owners know that their feline friends, though often independent, face specific health challenges. With comprehensive cat insurance coverage, you can prioritize your feline’s well-being without financial worries, guaranteeing a happy, healthy life for your whiskered companion.

For some of the best pet insurance for cats, Pets Best stands out as an affordable option. It offers two maximum annual coverage options – a $5,000 limit option and unlimited coverage. Deductible options range from $50 to $1,000, and reimbursement options are either 70%, 80%, or 90%.

What It Covers

Pets Best’s standard cat insurance policy covers the following:

  • Accidents, including unexpected object ingestion to bone fractures
  • Dental services
  • Diagnostics, including X-rays, MRIs, blood tests, and other lab work
  • Fees for consultative sessions with veterinarians
  • Hereditary and congenital conditions like hip dysplasia and glaucoma
  • Hospitalization, should your cat require a stay at a veterinary facility
  • Illness coverage, from feline immunodeficiency virus to cancer
  • Mobility aids coverage for prosthetic devices and wheelchairs
  • Physical rehabilitation for post-surgery or injury recovery
  • Prescription drugs for treating acute and chronic conditions
  • Specialized treatments, like acupuncture and chiropractic care
  • Surgeries

Pets Best also offers accident-only coverage, which is cheaper than the standard accident and illness coverage. This plan zeroes in on emergencies, covering incidents like snake bites, fractures, and accidental ingestions.

Optional Add-Ons

Furthermore, Pets Best offers the following services for an additional fee:

  • Deworming to prevent intestinal parasites
  • Flea, tick, and heartworm protection
  • Microchipping
  • Regular health check-ups and bloodwork
  • Routine vaccinations like rabies

Average Price

Pets Best’s average pet insurance costs around $40 per month for $5,000 of annual coverage and $50 for unlimited coverage.


Additionally, Pets Best offers the following discounts to pet owners:

  • 5% multi-pet discount for insuring more than one pet
  • Up to 10% discount for veterinarians, staff members, and their clients

Best Pet Insurance Company for Other Animals

Beyond dogs and cats, many households have other animal companions, ranging from birds and rabbits to horses. These unique pets also come with their own sets of health concerns and requirements. Navigating insurance options for such animals demands a special look, as not all insurance providers extend their services to cover them.

Nationwide is one of the few companies that offers coverage beyond dogs and cats. Its Whole Pet with Wellness policy offers unlimited coverage and a $250 deductible option. Reimbursement levels are 50%, 70%, or 90%.

What It Covers

Nationwide’s most comprehensive policy, also known as Whole Pet with Wellness, covers the following:

  • Accidents, such as poisonings, ACL ruptures, and sprains
  • Common illnesses, such as vomiting, diarrhea, and ear infections
  • Chronic and serious illnesses, such as arthritis, allergies, and cancer
  • Hereditary conditions like hip dysplasia, blood disorders, and eye disorders
  • Medical procedures, from surgeries to specialized treatments like chemotherapy
  • Preventative care, including wellness exams and vaccinations
  • Testing and diagnostics, including X-rays, MRIs, ultrasounds, and blood tests
  • Holistic therapies, including acupuncture and chiropractic sessions

For pet owners with more unconventional animals, Nationwide offers the Nationwide Avian and Exotic Pet Plan, which offers the same standard coverage, including illnesses, accidents, lab work, and prescription medications. This plan covers the following types of animals:

  • Birds
  • Chinchillas
  • Geckos
  • Goats
  • Hamsters
  • Iguanas
  • Potbellied pigs
  • Snakes
  • Turtles

Optional Add-Ons

Additionally, you can opt for more coverage at an extra cost, including:

  • Behavioral exam and treatment
  • Deworming
  • Grooming and nail trims
  • Flea and heartworm protection
  • Health certificate
  • Microchip
  • Parasite control

Average Price

Nationwide’s insurance plans typically range from $22 to $47, depending on the animal, age, where you live, and how much coverage you buy.


There are a few ways you can save on pet insurance with Nationwide, including:

  • 5% for insuring multiple pets
  • 5% for existing Nationwide customers
  • Discounts for Nationwide employees

How Does Pet Insurance Work?

At its core, pet insurance functions similarly to human health insurance. You start by selecting a plan, from basic accident coverage to more comprehensive packages that factor in wellness checks and preventative care. These plans come with monthly premiums, the cost of which can be influenced by your pet’s age, breed, location, coverage limits, and deductible.

Pet insurance gives you the freedom to choose any vet, specialist, or emergency clinic without the constraints of network limitations. After receiving care, you’ll generally pay the veterinary bill upfront. Then, you can submit a claim to your pet insurance provider with a receipt outlining the treatment. Once processed, you’ll receive a reimbursement for a percentage of the costs based on the details of your policy.

Deductibles, those out-of-pocket amounts you pay before insurance kicks in, are a staple in the pet insurance realm. There are also coverage limits to consider, which could be annual or even span the lifetime of your pet, capping the amount the insurance will cover. Your pet insurance premiums won’t typically go up after filing a claim.

How Much Is Pet Insurance?

On average, you might expect to pay anywhere from $15 to $90 monthly for dogs and $10 to $40 for cats. These are general ballpark figures, and actual premiums can differ based on individual circumstances.

Here are some factors that contribute to the price of pet insurance:

Dogs often tend to have higher premiums than cats, largely due to their size and associated potential health issues.

Some pets, such as bulldogs and mastiffs, are predisposed to certain health conditions, which can lead to higher insurance costs.

Younger pets might have lower premiums, while older pets, more prone to health issues, might command higher rates.

Urban areas, where veterinary services might be more expensive, can see higher insurance costs compared to rural areas.

Comprehensive plans that cover both accidents and illnesses are pricier than basic accident-only plans.

Choosing a higher deductible can lower your monthly premium and vice versa.

Plans with higher payout limits or unlimited coverage will typically have higher premiums.

Interested in saving money on pet insurance? Explore your options today!

What Does Pet Insurance Cover?

When considering pet insurance, it’s worth understanding the breadth and limitations of coverage. Each policy varies, but there are some general principles and commonalities that most pet insurance policies have.

Standard Coverage

Most pet insurance companies offer the following standard coverage elements:

Accidents and Injuries: This forms the backbone of most policies. From swallowed toys to car accidents, insurance often covers treatments due to unforeseen events.

Illnesses: Whether it’s a sudden infection or a long-term condition like diabetes, pet insurance can step in to cover the associated medical costs.

Surgeries and Hospitalization: Should your pet need a surgical procedure or an extended stay at the veterinary clinic, many policies will cover a significant portion of these expenses.

Pet Insurance and Pre-Existing Conditions

One important thing to note is that many pet insurance policies do not cover pre-existing conditions. These are health issues or conditions that were present or diagnosed before the insurance policy began.

Commonly considered pre-existing conditions include chronic ailments like arthritis, diabetes, and certain hereditary disorders. To avoid potential exclusions, try to obtain coverage when your pet is young, minimizing the risk of pre-existing conditions and ensuring comprehensive protection.

Additional Coverage Options

Some of the best pet insurance companies also offer additional coverage for an extra fee. Common additional coverage options include:

Wellness and Preventative Care: Some insurers offer add-ons or packages that cover regular check-ups, vaccinations, and flea and tick treatments.

Behavioral Issues: These include treatment for separation anxiety, aggression, compulsive behaviors, or phobias.

Dental Care: While routine cleanings might not always be covered, certain dental treatments, like tooth extraction, may still be.

Breed-Specific Conditions: Some policies offer extra coverage for the specific health concerns of certain breeds, such as Bulldogs with respiratory challenges.

Pet Insurance for Multiple Pets

Insuring multiple pets can be more streamlined and cost-effective, with many insurance providers offering multi-pet discounts. This discount operates by reducing the overall premium when more than one pet is insured with the same company.

Most companies will offer 5% to 10% multi-pet discounts. It’s worth noting that even with these discounts, each pet’s premium is calculated based on individual factors such as breed, age, and health status.

Here are some of the best pet insurance companies that offer multi-pet discounts:

Insurance Company Multi-Pet Discount
Embrace 10%
Spot 10%
Pumpkin 10%
Trupanion 10%
Nationwide 5%
Lemonade 5%
American Kennel Club 5%
Figo 5%
Pets Best 5%

Looking for pet insurance?
Explore your options today and uncover potential savings!

Waiting Period for Pet Insurance

The waiting period refers to the time between when you sign up for a pet insurance policy and when the coverage actually begins.

Typical waiting periods range from one to 15 days for accidents and illnesses. Always check these waiting periods with the provider so you aren’t caught off guard expecting coverage that hasn’t commenced yet.

Frequently Asked Questions

If you still have some unanswered questions, this FAQ section will help clarify everything.

Is Pet Insurance Worth It?

For many pet owners, the assurance of having a safety net for unexpected health issues is invaluable. While each individual’s needs and financial situation may differ, the peace of mind that comes with pet insurance is a compelling reason to opt for coverage.

What Does Pet Insurance Not Cover?

Pet insurance companies can vary by provider, but there are common exclusions in many plans:

  • Pre-existing conditions
  • DNA testing or cloning
  • Breeding and pregnancy-related costs
  • Cosmetic and elective procedures, like tail docking, ear cropping, and declawing
  • Injuries caused deliberately by you or any other person in the household

Can I Choose My Own Veterinarian?

Most pet insurance policies allow you to visit any licensed veterinarian. There usually aren’t network restrictions, providing flexibility in choosing your pet’s healthcare provider.

Need Pet Insurance? Decide Smartly.