Best Pet Insurance Plans

Embrace Pet Insurance provides tailored coverage options to help pet owners manage unexpected veterinary expenses. From accident and illness protection to wellness rewards for routine care, Embrace ensures that pets receive the best possible care without financial strain. The company’s flexible policies make it easy for pet owners to choose the level of coverage that fits their needs and budget.

With no breed or age restrictions, Embrace stands out as an inclusive and reliable choice for pet insurance. The company also offers coverage for alternative therapies and behavioral treatments, ensuring pets receive holistic care.

Lemonade is a company that sells pet insurance online, allowing customers to access its services via an app and a user-friendly website. The company offers a wellness plan covering routine vaccinations and vet visits and two illness and accident coverage levels. However, the company’s cover excludes some treatments and is not operational in all states.

Lemonade pays off claims with the remaining funds after withdrawing a flat rate fee from all premiums as its profits. At the end of each year, the company has a policy of donating the extra/ left over to non-profit organizations identified by its policyholders.

Lemonade’s illness and accident policy is comprehensive and can include preventative care rides for annual heartworm and parasite screening, vaccines, and check-ups. You must purchase a separate rider for alternative treatments like acupuncture and vet exams fees.

However, it is worth noting that Lemonade Pet Insurance does not cover pets’ pre-existing conditions. These are all conditions that existed before the purchasing of the policy. The company’s services are also limited to thirty-six states.

Fetch Pet Insurance offers broad and inclusive coverage designed to handle a wide range of veterinary expenses. From accidents and illnesses to holistic care and advanced diagnostics, Fetch ensures pets receive top-tier medical attention without undue financial burden on their owners. Its focus on providing expansive coverage, including dental care and therapy, makes it an excellent choice for pet owners who want more than just basic insurance.

With flexible reimbursement rates and a commitment to transparent claims processing, Fetch Pet Insurance is built to meet the diverse needs of pet owners. Its coverage extends to diagnostic tests, physical therapy, and even behavioral treatments, ensuring comprehensive care for pets of all ages and breeds.

Pumpkin Wellness offers tailored pet care plans focused on preventive treatments and proactive health management. These plans complement standard pet insurance by covering routine wellness services such as annual exams, vaccines, lab tests, and parasite screening. With a focus on keeping pets healthy year-round, Pumpkin’s wellness coverage is available as an optional add-on to its insurance offerings.

Designed for both dogs and cats, the plan reimburses pet owners for eligible wellness expenses, promoting early detection of health issues and reducing long-term veterinary costs. With transparent pricing and no hidden fees, Pumpkin Wellness makes responsible pet care more predictable and affordable.

Pumpkin Wellness is a reliable and preventive-focused option for pet owners who want to invest in their pet’s health through consistent, vet-recommended routine care.

Everything Pet Place specializes in providing pet insurance plans designed to offer peace of mind to pet owners.

Everything Pet Place offers a valuable solution for pet owners seeking to protect their furry companions with comprehensive pet insurance. With their extensive coverage options, customization, and commitment to ongoing support, they provide a reliable means of ensuring your pet's health and well-being

Spot is a recent addition to the pet insurance industry, but has quickly gathered recognition. This is highly attributed to its famous status of being the only pet insurer recommended by Cesar Millan – also called “the dog whisperer.”

Spot provides accident and illness covers that entail:

• Vet treatment
• Stem cell treatment
• Cancer therapy
• Prescription of food and medication
• Surgery and monitoring
• CT, X-rays, and MRI scans
• Dental treatment
• Chronic conditions

Spot also gives accident-only packages as well as alternative wellness and preventive treatment. Moreover, Spot covers pre-existing conditions if your pet is cured and hasn’t displayed symptoms in 180 days. Ligament and other knee conditions aren’t included in the deal. Worth mentioning, Spot has an impressive pricing structure, and customers are free to select between 70%, 80%, or 90% reimbursement options.

American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization that aims to prevent cruelty to animals. The organization also offers pet insurance policies from the United States Fire Insurance Company (USFIC). Thankfully, ASPCA doesn’t have a specific network, as such, you can visit any certified vet in the US or Canada for treatment. Furthermore, the organization offers a 24/7 pet tele-health line to call.

Additionally, ASPCA offers fairly priced premiums compared to its competitors. You can get yearly limits starting at $3,000, reimbursements of 70% to 90% for covered costs paid via check or direct deposits.

All of ASPCA plans cover for:

• Accidents
• Illness
• Hereditary and congenital conditions like dysplasia
• Behavioral health conditions

What’s more, ASPCA further offers two separate policies for horses, including Colic and Accidents

With the introduction of Figo in Chicago in 2011, pet owners now have access to insurance that will pay back up to one hundred per cent of their coverage. The purpose of Figo is to provide you with the information you need to make choices about your pet's health based on the quality of treatment they will get, not the price tag.

After completing a short online form, you may obtain an instant quotation for your pet. Aside from the standard plan, Figo also provides an unlimited lifetime benefit plan and a wellness supplement to cover the costs associated with sickness and injury.

MetLife Pet Insurance, founded in 2004 and with its headquarters in New York City, provides pet insurance for cats and dogs of all ages and breeds and is notable for having among the industry's lowest waiting times. The company has been providing basic and optional coverage for insurance for over a century.

If you have insurance with MetLife Pet Insurance, you can take your pet to any U.S.-based vet or emergency clinic and be reimbursed for all or most of the cost. MetLife Pet Insurance does not have any breed restrictions on its policies, and they provide a range of coverage options. An annual checkup or proof of past veterinary care is not necessary to enroll.