Standard pet insurance doesn’t usually cover the cost of spaying and neutering a pet.
A pet insurance company may offer additional wellness coverage that includes spaying and neutering.
The cost to spay or neuter a dog is $600 on average, but you may save money through a state voucher program, ASPCA, Humane Society or low-cost clinic.
Pet insurance doesn’t usually cover the cost to spay or neuter a pet, but insurers may offer optional wellness plans with that coverage.
Pet wellness plans also cover annual wellness exams, vaccinations, microchipping and dental care. Wellness plan coverage varies, so make sure to confirm that the plan covers spaying and neutering before buying a policy.
How Do Pet Wellness Plans for Spaying and Neutering Work?
Pet insurance that covers spaying and neutering usually requires you to pay for the procedure and then submit a claim to the insurer. The pet insurer will review the claim and reimburse you the amount specified in your policy, such as $100 or $200.
Pet insurance wellness plans are usually added to standard pet insurance coverage. Some companies offer standalone wellness plans that cover spaying and neutering. Two examples are:
Banfield Optimum Wellness “Early Care Plus” plan, which only allows you to get care at a Banfield Pet Hospital
Pumpkin’s “Wellness Club”
Not all wellness plans cover the procedure and some pet insurance companies that offer coverage only include it in a higher-level wellness plan.
What Else Does a Pet Wellness Plan Cover Besides Spaying and Neutering?
Optional pet wellness plans go beyond standard pet insurance, covering routine care such as annual wellness exams and vaccinations.
Services often covered by a pet wellness plan include:
Annual wellness exams
Blood and fecal parasite exams
Dental cleaning
Deworming
Feline leukemia virus (FeLV) test
Microchipping
Preventive medication for fleas, ticks and heartworm
Routine anal gland expression
Spaying and neutering surgery
Urinalysis
Vaccinations
Pet Wellness Plans That Cover Spaying and Neutering
Company
Does it have a pet wellness plan that covers spaying and neutering?
Chewy
Yes: Preventative Care for Puppies and Kittens for policies sold through Lemonade. No: Wellness plans for policies sold through Trupanion do not cover spay/neuter.
Embrace
Yes: Wellness Rewards
Figo
Yes: Figo’s Wellness Powerup
Healthy Paws
No: Healthy Paws does not offer wellness plans
Lemonade
Yes: Preventative Care Package for Puppies and Kittens
Pets Best
Yes: BestWellness plan
Pumpkin
No: Preventive Essentials plan does not cover spay/neuter
Prudent Pet
Yes: High Wellness plan
Spot
Yes: Platinum plan
Trupanion
No: Trupanion does not offer pet wellness plans.
Cost To Spay or Neuter a Dog Without Pet Insurance
The average cost to spay or neuter a dog without a pet wellness plan is $600, according to our analysis of costs to spay a dog and costs to neuter a dog. But you may be able to pay less, depending on where you get the services and what’s involved in the procedure.
For instance, you may find low-cost or free coverage with a state voucher program or at the ASPCA or Humane Society. Low-cost clinics or non-profit veterinary clinics are also affordable alternatives.
Pet insurance companies often cover dental-related injuries, but there’s wide variation on whether pet insurance policies cover other dental health problems.
What a pet insurance company covers for dental care can influence how much you may pay for pet insurance. Pet insurance policies with more types of coverage typically cost more than basic plans.
Key Takeaways
Pet insurance policies cover dental-related accidents and injuries, but whether they cover dental illnesses varies by policy.
Optional pet wellness plan coverage may include teeth cleaning.
Pet insurance costs vary by coverage, type of pet and its age.
When Dental Problems Are and Are Not Covered
Pet insurance generally covers dental accidents like broken teeth. They may not cover dental illnesses like gum disease.
Pet insurance companies view pet dental accidents similarly to other injuries a policy covers. An insurer may cover dental illnesses, but it varies by policy. For instance, Figo, Pets Best and Spot cover pet dental illnesses, and Lemonade covers it if you buy additional dental coverage. Healthy Paws, on the other hand, doesn’t generally cover dental illnesses.
Depending on the specific policy, pet insurance covers dental accidents and illnesses like:
Crowns
Damaged teeth
Gingivitis
Gum disease
Root canals
Stomatitis
Teeth removal
Rules and limits can also vary by pet insurance. For instance, Embrace covers dental accidents up to policy limits and dental illnesses up to $1,000 per year, while Trupanion covers dental illness and accidents if your pet has an annual dental exam and you follow your veterinarian’s recommended dental care.
Even if a pet insurance policy covers dental work, insurers typically don’t cover:
Cosmetic, endodontic or orthodontic services, such as caps, fillings and implants.
Pre-existing conditions, though some pet insurers cover pre-existing conditions if they’re considered curable and the pet hasn’t experienced symptoms or treatment for a period, such as 180 days.
Routine dental care, such as teeth cleaning, unless it’s part of a pet wellness plan that you add onto the standard pet insurance policy.
Dental Coverage by Pet Insurance Company
Company
Coverage for pet dental illnesses included in base policy
Coverage for dental cleaning included in pet wellness plan
ASPCA
Yes
Basic plan: Yes Prime plan: Yes
Chewy (through Trupanion)
Yes
No
Chewy (through Lemonade)
Yes
No
Embrace
Yes
Yes
Felix (available only for cats)
Yes
Yes
Fetch
Yes
Yes
Figo
Yes
Yes
Hartville
Yes
Yes
Healthy Paws
No
Does not offer a wellness plan
Lemonade
No (but dental illness coverage is available for an additional cost)
Preventative plan: No Preventative+ plan: Yes
How Much Does Pet Dental Coverage Cost?
The average cost of a pet insurance plan that covers dental care can range from $48 to $125 monthly for unlimited coverage for a dog. Costs vary by age and type of pet. For instance, the average cost of pet insurance for a cat is cheaper than dog dental insurance.
Cost of Dog Insurance Plans By Company
Company
Average monthly cost for $5,000 annual coverage for a puppy
Average monthly cost for $5,000 annual coverage for a dog
Average monthly cost for unlimited annual coverage for a puppy
Average monthly cost for unlimited annual coverage for a dog
Chewy Essential Plus
N/A
N/A
$51
$89
Embrace
$43
$52
$62
$75
Figo
$36
$48
$56
$75
Lemonade
$27
$32
$40
$48
Pets Best Essential
$38
$45
$43
$51
Prudent Pet Ultimate
N/A
N/A
$61
$80
Pumpkin
$58
$75
$97
$125
Spot
$38
$46
$76
$93
Trupanion
N/A
N/A
$72
$120
Source: Forbes Advisor research. Costs are based on plans for medium sized mixed breed dogs and puppies with $5,000 annual coverage and unlimited annual coverage ($100,000 for Lemonade), a $250 deductible and 80% reimbursement level (90% for Chewy Essential Plus).
Cost of Cat Insurance Plans By Company
Company
Average monthly cost for $5,000 annual coverage for a kitten
Average monthly cost for $5,000 annual coverage for a cat
Average monthly cost for unlimited annual coverage for a kitten
Average monthly cost for unlimited annual coverage for a cat
Chewy Essential Plus
N/A
N/A
$26
$44
Embrace
$32
$42
$48
$63
Figo
$15
$19
$24
$30
Lemonade
$17
$18
$24
$26
Pets Best Essential
$19
$21
$22
$24
Prudent Pet Ultimate
N/A
N/A
$33
$43
Pumpkin
$27
$32
$50
$59
Spot
$20
$23
$39
$45
Trupanion
N/A
N/A
$40
$63
Source: Forbes Advisor research. Costs are based on plans with $5,000 annual coverage and unlimited annual coverage ($100,000 for Lemonade), a $250 deductible and 80% reimbursement level (90%for Chewy Essential Plus).
Pet Dental Insurance Waiting Periods
Pet insurance waiting periods are the time before your coverage kicks in. Dental accident and dental illness waiting periods differ by company.
Pet insurance company
Dental accident waiting period
Dental illness waiting period
ASPCA
5 days
14 days
Chewy Essential Plus
5 days
14 days
Embrace
Begins at 12:01 a.m. ET the day after you purchase a plan
14 days
Felix (available only for cats)
2 days
14 days
Fetch
15 days
15 days
Figo
1 day
14 days
Hartville
14 days
14 days
Healthy Paws
15 days
Does not include coverage for pet dental illness
Lemonade
Begins at 12:01 a.m. ET the day after you purchase a plan
Does not include coverage for pet dental illness in its standard plan
MetLife
Begins at 12:00 a.m. ET the day after you purchase a plan
14 days
See More
What Does a Pet Dental Treatment Cost?
The average cost to treat a fractured tooth is $950, to treat gingivitis is $770 and to treat periodontal disease is $1,050, according to claims data from Spot pet insurance.
Teeth cleanings aren’t as expensive. The average cost of teeth cleaning for a dog is between $170 and $350. Teeth cleaning for a cat usually costs more and can reach beyond $2,000. Costs are affected by factors, such as the degree of work needed, whether x-rays are required and if a primary care veterinarian or a board-certified veterinary dentist performs the procedure.
We found that pet owners are most interested in three factors when shopping for cheap pet insurance: monthly cost, deductible and reimbursement percentage. Our data researchers analyzed 478,682 pet insurance costs for 22 cat and dog breeds to find the top picks.
Quick Dive
Unexpected vet bills, like emergency surgery or swallowed objects, can easily reach thousands of dollars. Pet insurance can help offset those costs, but the cheapest plans aren’t always equal in coverage. Discover which plans offer competitive prices and solid coverage.
The best pet insurance plan depends on your pet’s breed, age, and location. Top-rated companies like ASPCA, Figo, and Pumpkin offer comprehensive coverage with options for dental, alternative therapies, and unlimited annual payouts.
Best Pet Insurance Companies
We know how tricky it can be to choose the best insurance policy for your pet, especially with so many options out there. To make things easier, we’ve rounded up some of the best pet insurance companies of 2026.
Best Pet Insurance for Broad Coverage
ASPCA, Pumpkin, Prudent Pet, Spot, MetLife, Fetch
If you want an all-inclusive plan that covers more than just the basics, consider companies like ASPCA, Pumpkin, Prudent Pet, Spot, MetLife, and Fetch. These policies typically cover a wider range of conditions and treatments, such as homeopathic care, dental accidents, and even lost pet advertising.
When you need your claim processed quickly, Lemonade, Fetch, and Trupanion are some of the fastest. They are known for having excellent turnaround times, making it easier for you to get reimbursed when you need it the most.
Best Pet Insurance to Bundle with Wellness Care
Embrace, MetLife
A handful of pet insurance companies provide an insurance policy with a pet wellness plan. For those who want a bit more flexibility in their wellness plans, Embrace and MetLife have solid options.
Best Pet Insurance for Dental Coverage
ASPCA, Pumpkin, Prudent Pet, Fetch, MetLife
ASPCA, Pumpkin, Prudent Pet, Fetch, and MetLife offer coverage for periodontal disease, illness-related cleanings, extractions, injuries, endodontic care, deciduous teeth, and cysts/eruption issues up to the annual policy limit.
Best Pet Insurance for Curable Conditions
ASPCA, Pumpkin, Spot, MetLife
Some conditions your pet faces might be temporary or curable. Companies like ASPCA, Pumpkin, Spot, and MetLife are known for offering coverage for curable conditions after a shorter waiting period (just 180 days in some cases).
Best Pet Insurance for Multi-Pet Owners
ASPCA, Prudent Pet, Embrace, Pumpkin
Companies like ASPCA, Prudent Pet, Embrace, and Pumpkin offer a 10% discount for insuring more than one pet.
Best Pet Insurance for Direct Pay
Trupanion
Trupanion stands out in this area, offering a direct pay option that lets your vet be paid directly without you needing to wait for reimbursement.
Best Pet Insurance for Time to File Claims
ASPCA, Spot, Pumpkin
ASPCA, Spot, and Pumpkin Pet Insurance allow up to 270 days after the incident to submit a reimbursement claim, well above the industry standard of 90 days.
Best Pet Insurance for Highest Reimbursement Rate
Figo, ASPCA
Figo and ASPCA offer reimbursement rates up to 100% with certain deductible selections ($1,000). That means they will cover the eligible expenses on your vet bill in full, up until you reach your annual payout limit.
Best Pet Insurance for Highest Payout Limits
ASPCA, Figo
ASPCA and Figo both offer unlimited payouts on their policies.
ASPCA, Pumpkin, Spot, MetLife, FIGO, Embrace, Fetch, Prudent Pet, Healthy Paws, and Trupanion all offer unlimited coverage options, ensuring that your pet’s care isn’t limited by the cap on coverage.
Some great options include ASPCA, Pumpkin, Spot, MetLife, Fetch, Prudent Pet, and Figo. These companies make sure that age is not a barrier to getting your pet the coverage they need.
Best Pet Insurance with a Straightforward Waiting Period
ASPCA, Pumpkin, Spot, MetLife
If you’re looking for clarity, try ASPCA, Pumpkin, Spot, or MetLife. These providers are known for having straightforward waiting periods for coverage.
Best Pet Insurance with Highest Customer Service Experience
Trupanion, Embrace
Trupanion and Embrace shine in customer service, earning the highest satisfaction ratings online.
Best Pet Insurance for Cruciate Event Coverage
ASPCA, Pumpkin, Spot, MetLife
ASPCA, Pumpkin, Spot, and MetLife are great choices. Honorable mention goes to AKC Pet Insurance, which covers pre-existing cruciate injuries but after a 365-day waiting period.
Best Pet Insurance for Customization
Lemonade
Lemonade is the go-to option for customizable pet insurance. Their policies offer a lot of flexibility, with a range of add-ons for both accidents and illnesses, as well as wellness care.
Best Pet Insurance for Alternative Therapies
ASPCA, MetLife, Spot, Pumpkin
ASPCA, MetLife, Spot, and Pumpkin include coverage for even more alternative therapies like homeopathy and naturopathy.
Best Pet Insurance for Breeding
Trupanion
Trupanion is the first and one of the few pet insurance providers that offers coverage for conditions related to breeding, pregnancy, whelping, or nursing as part of its standard pet insurance plans.
Best Pet Insurance for Lost Pet Assistance
Fetch
Fetch Pet Insurance is one example of a pet insurance provider that offers coverage for lost pet expenses.
Best Pet Insurance for Military Personnel
MetLife, FIGO, Fetch, Prudent Pet
MetLife, FIGO, Fetch, and Prudent Pet offer 10% off, while Embrace and Pets Best offer 5% per pet for military personnel.
Best Pet Insurance for Veterinary Staff
ASPCA, MetLife, Prudent Pet, Embrace, Figo, Fetch
Veterinary staff also deserve a break, and a few insurance providers recognize that. Here’s a list of discounts you can get from these insurance companies if you’re a veterinary staff member:
ASPCA: 20% discount
MetLife: 10% discount
Prudent Pet: 10% discount
Embrace: 10% discount
Figo: 15% discount
Fetch: 10% discount
ASPCA Pet Health Insurance
Average Monthly Price for Dogs: $52.07
Average Monthly Price for Cats: $38.47
Pros
Customizable plans to fit your pet’s needs and budget
Coverage for a wide range of conditions, including congenital and behavioral issues
No age limits for enrollment or coverage discontinuation
Multiple pet discount (10%)
Freedom to use any licensed veterinarian in the US or Canada
Cons
No direct payments to veterinarians – reimbursement model only
Premium increases as pets age
Preventive care is only available through a separate wellness plan
ASPCA Pet Health Insurance covers dogs and cats in all 50 states. It has one of the widest coverage menus in pet insurance.
Its Complete Coverage plan includes dental disease, alternative therapies, congenital conditions, behavioral therapy, LASER therapy, and end-of-life care. You can pick from low annual deductibles and two optional wellness tiers. You also get up to 270 days to file a claim after a vet visit. That’s among the longest windows in the industry.
The program traces back to 2006, when Crum & Forster partnered with the American Society for the Prevention of Cruelty to Animals (ASPCA) to launch the ASPCA Pet Health Insurance product.
Comprehensive coverage for accidents and illnesses
Flexible reimbursement rates up to 100%
No upper age limit for pet coverage
15% discount for Costco members
One-day accident waiting period
Cons
No coverage for prescription food and supplements
Sick exam fees are only covered with an upgrade
No accident-only coverage option
No direct vet payment option
May have higher premiums than some competitors
Figo is available in all states in the United States. The key feature of Figo Pet Insurance is the optional 100% reimbursement rate that pays for all vet costs covered by your policy after you’ve met your deductible. You’ll get comprehensive Accident & Illness coverage with any policy you choose, including both their lower- and higher-tiered plans.
Figo was founded in 2013 by Rusty Sproat. It has since become one of the largest pet insurance companies in the market and has won multiple awards for its coverage.
COMPANY DETAILS
Figo Pet Insurance
WAITING PERIODS
1 day for accidents, 14 days for illnesses, 6 months for knee conditions
AVERAGE DAYS TO REIMBURSE
8 days
TIME TO MAKE A CLAIM
180 days
ANNUAL DEDUCTIBLE OPTIONS
$100, $250, $500 or $750
AVAILABLE REIMBURSEMENT RATES
70%, 80%, 90% or 100%
ANNUAL PAYOUT LIMITS
$2500, $5000, $10000, $15000, or Unlimited
Figo Pet Insurance Coverage
Dental coverage: Accident-related extractions only
Alternative therapies: Some
Bilateral conditions: No
Congenital disorders: Yes
Behavioral disorders: Yes, up to $500 annually with the alternative care
Unlimited payouts with no caps (per-incident, annual, or lifetime)
Fast claim processing within two business days
Direct vet payment option available
Coverage for hereditary and congenital conditions
Includes alternative therapies like acupuncture and chiropractic care
Cons
Limited customization options (no accident-only plans)
No wellness or preventative care coverage
12-month waiting period for hip dysplasia
Limited coverage for pets enrolled at 6+ years old
No coverage for vet exam fees or behavioral therapy
Healthy Paws Pet Insurance is available in all 50 states and Washington, DC. Healthy Paws offers no payout limits on any plan and can reimburse claims faster than most of the insurance companies out there. You could get reimbursed for claims in as little as two days.
Healthy Paws was founded by Steve Siadek and Rob Jackson in 2009. It’s one of the oldest pet insurance companies in the country, so it has significantly more experience than many of the latest companies on the market.
COMPANY DETAILS
Healthy Paws Pet Insurance
WAITING PERIODS
15 days for accidents and illnesses, 12 months for hip dysplasia
AVERAGE DAYS TO REIMBURSE
2 days
TIME TO MAKE A CLAIM
90 days after service or treatment date
ANNUAL DEDUCTIBLE OPTIONS
$100, $250 or $500 depending on age
AVAILABLE REIMBURSEMENT RATES
70%, 80% or 90% depending on age
ANNUAL PAYOUT LIMITS
Unlimited
Healthy Paws Pet Insurance Coverage
Dental coverage: Accident-related extractions only
Flexible coverage options with reimbursements up to 90%
No breed or age restrictions for enrollment
Freedom to visit any licensed vet in the U.S.
24/7 vet chat service available
Mobile app for convenient claim submission
Coverage is available for exotic pets beyond cats and dogs
Cons
No accident-only coverage option
No direct vet payment (reimbursement model only)
Potentially longer claims processing times
MetLife operates in all states in the US. It’s notable because it offers some specialty coverage. You can get lost pet advertising and reward costs covered through a MetLife plan, as well as end-of-life care.
MetLife was originally founded in the 1800s and is one of the largest insurance companies in the world. The company began offering pet insurance after it acquired PetFirst in 2021.
COMPANY DETAILS
MetLife Pet Insurance
WAITING PERIODS
0 days for accidents, 14 days for illnesses and cruciate ligament conditions
Other: Lost pet advertising & reward, euthanasia, cremation/burial
Routine/Wellness Care Add-On: Yes
Lemonade Pet Insurance
Average Monthly Price for Dogs: $55.33
Average Monthly Price for Cats: $32.81
Pros
Affordable premiums (rated as the best budget option)
Customizable coverage with flexible deductibles and reimbursement rates
User-friendly mobile app for policy management
Fast claims processing (many settled instantly)
Multiple wellness coverage tiers are available as add-ons
Cons
Limited availability (only in 42 states and the District of Columbia)
Key features like vet exam fees and virtual vet visits are not included in the base policy
Additional costs for important coverage add-ons
Age and breed-specific enrollment restrictions
Waiting periods before coverage becomes active
Lemonade is available in 42 states and the District of Columbia. The biggest benefit of Lemonade’s pet insurance product is how customizable it is. Lemonade offers plenty of options for your annual deductible, your reimbursement rate, and your annual reimbursement limit.
Lemonade originally offered homeowners and renters insurance. It began offering pet insurance in 2020 after it discovered that the vast majority of its existing customers owned pets, many of which were uninsured.
COMPANY DETAILS
Lemonade Pet Insurance
WAITING PERIODS
2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament conditions
AVERAGE DAYS TO REIMBURSE
18 days
TIME TO MAKE A CLAIM
180 days
ANNUAL DEDUCTIBLE OPTIONS
$250, $500, $1,000 or $2,500
AVAILABLE REIMBURSEMENT RATES
60%, 70%, 80% or 90%
ANNUAL PAYOUT LIMITS
$5,000, $10,000, $20,000, $50,000 or $100,000
Lemonade Pet Insurance Coverage
Dental coverage: No, but available with an optional add-on
Alternative therapies: No, but available with an optional add-on
Behavioral disorders: No, but available with an optional add-on
Other: Euthanasia, cremation/burial (as add-on)
Routine/Wellness Care Add-On: Yes
Nationwide Pet Insurance
Pros
Coverage available for exotic pets (beyond cats and dogs)
24/7 vet helpline for immediate advice
Coverage for curable pre-existing conditions
Multi-pet discounts available
Cons
Age restrictions may exclude senior pets
Premiums may increase significantly over time
Some plans have annual coverage limits
Wellness plans not available in all states
Nationwide offers pet insurance for all 50 states in the US, but some products, discounts, perks, and services may not be available in all states. Every Nationwide policy comes with an annual deductible of $250 to $1,000, making it a good option if you don’t want to pay too much out of pocket.
Nationwide first offered pet insurance as a voluntary benefit in 1999. Today, it protects more than 1.1 million pets, including exotic and avian pets.
COMPANY DETAILS
Nationwide Pet Insurance
WAITING PERIODS
14 days for accidents and illnesses
AVERAGE DAYS TO REIMBURSE
30 days
TIME TO MAKE A CLAIM
90 days from treatment date
ANNUAL DEDUCTIBLE OPTIONS
$250, $500 or $1,000
AVAILABLE REIMBURSEMENT RATES
50%, 70% or 80%
ANNUAL PAYOUT LIMITS
$2,500 or $5,000 for accident coverage, $5,000 to $10,000 for illnesses, $5,000 limit for hereditary/congenital conditions depending on age
Nationwide Pet Insurance Coverage
Dental coverage: Yes
Alternative therapies: Some
Bilateral conditions: Yes
Congenital disorders: Yes, but amounts vary depending on plan
Behavioral disorders: Yes, depending on plan
Other: Supplements
Routine/Wellness Care Add-On: Yes
Fetch Pet Insurance
Average Monthly Price for Dogs: $52.21
Average Monthly Price for Cats: $37.15
Pros
Comprehensive coverage including dental injuries and behavioral disorders
No upper age limit for enrollment
Flexible coverage options (multiple deductibles and reimbursement choices)
Includes boarding coverage if the owner is hospitalized
Cons
No coverage for pre-existing conditions
Waiting periods for illness and accident claims
No direct vet payment option
Annual health check-up may be required for coverage
No multi-pet discount
Fetch offers pet insurance in all 50 states. Fetch earns mention here because of its high level of coverage compared to other plans. Fetch also offers considerable levels of coverage for other treatments, including dental, behavioral therapy, and alternative care. Fetch was founded in 2003 and has been helping pets and their parents live healthier, happier lives.
COMPANY DETAILS
Fetch Pet Insurance
WAITING PERIODS
0 days for accidents, 15 days for illnesses, 6 months for hip dysplasia, cruciate ligament conditions, and luxating patellas
Other: Virtual visits, prescription supplements, boarding fees due to owner hospitalization, and lost pet advertising & award
Routine/Wellness Care Add-On: Yes
Embrace Pet Insurance
Average Monthly Price for Dogs: $55.09
Average Monthly Price for Cats: $39.22
Pros
Diminishing deductible decreases by $50 each year without claims
Customizable plans with various deductibles and reimbursement options
24/7 telehealth veterinary support
Coverage includes hereditary conditions and physical therapy
Cons
Longer claims processing times compared to competitors
Higher average premiums
No direct vet payment option
No accident & illness coverage for pets 15+ years enrolling in new plans
Embrace Pet Insurance is available in all states except Maine. It was rated the #1 Pet Insurance Provider by Forbes in 2022. The company also says that it paid out 92% of the claims submitted in 2021 and that customers can get up to 90% back on their vet bills. Embrace started as a pet insurance concept that won the 2003 Wharton Business Plan Competition and later became the Embrace Pet Insurance we know today.
COMPANY DETAILS
Embrace Pet Insurance
WAITING PERIODS
2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament conditions
AVERAGE DAYS TO REIMBURSE
60 days after policy renewal
TIME TO MAKE A CLAIM
90 days
ANNUAL DEDUCTIBLE OPTIONS
$100, $250, $500, $750 or $1,000
AVAILABLE REIMBURSEMENT RATES
70%, 80% or 90%
ANNUAL PAYOUT LIMITS
$5,000, $8,000, $10,000, $15,000, $30,000 or Unlimited
Embrace Pet Insurance Coverage
Dental coverage: Yes, $1,000 max for periodontal disease
Alternative therapies: Yes
Bilateral conditions: No
Congenital disorders: Yes
Behavioral disorders: Yes
Other: Exam fees, prescription medication
Routine/Wellness Care Add-On: Yes
Trupanion Pet Insurance
Pros
No annual coverage limit
No age-related premium increases
VetDirect Pay system for direct vet payments
Coverage for dental conditions
Cons
Higher premiums compared to competitors
No multi-pet discounts
Limited plan customization options
No coverage for wellness care or preventive measures
Trupanion is available in 26 states in the US. Trupanion offers considerable coverage compared to many other pet insurance companies. Plans cover dental and bilateral conditions, as well as prescriptions. Trupanion is also the first pet insurance company to offer coverage of breeding-related costs.
Trupanion was founded in 1999 as “Vetinsurance” in Canada and expanded into the United States in 2005. That makes it one of the oldest pet insurance companies in the market. It’s also one of the most popular.
COMPANY DETAILS
Trupanion Pet insurance
WAITING PERIODS
5 days for accidents, 14 days for illnesses, 180 days for cruciate ligament
AVERAGE DAYS TO REIMBURSE
7 days (85% in under 24 hours)
TIME TO MAKE A CLAIM
90 days after end of policy term
ANNUAL DEDUCTIBLE OPTIONS
$50, $100, $200, $250, $500, $750, $1,000, $1,500 or $2,500
AVAILABLE REIMBURSEMENT RATES
70%, 80% or 90%
ANNUAL PAYOUT LIMITS
$2,500, $5,000, $10,000 or Unlimited
Trupanion Pet Insurance Coverage
Dental coverage: Yes
Alternative therapies: Yes (as add-on)
Bilateral conditions: Yes
Congenital disorders: Yes
Behavioral disorders: Yes (as add-on)
Other: Optional add-ons: breeding, lost pet advertising & reward, boarding due to hospitalization of owner, cremation/burial, and vacation cancellation costs
Routine/Wellness Care Add-On: No
Spot Pet Insurance
Average Monthly Price for Dogs: $54.89
Average Monthly Price for Cats: $34.71
Pros
No upper age limit for enrollment
Customizable plans with various deductibles and coverage options
Available unlimited annual payout option
Accident-only plan as a lower-cost alternative
Cons
No direct vet payment option
14-day waiting period for accident coverage
May have higher rates for cats
No coverage for curable pre-existing conditions without the 6-month symptom and treatment-free period
Spot is available in all 50 states in the United States. It offers comparable coverage to other companies, including coverage of alternative therapies like acupuncture, microchipping, and behavioral issues. This coverage is baked into its core insurance product, whereas other brands sometimes offer them only as add-on. Spot is one of the newer pet insurance companies in the US, founded only at the start of 2020.
COMPANY DETAILS
Spot Pet Insurance
WAITING PERIODS
14 days for accidents and illnesses
AVERAGE DAYS TO REIMBURSE
10–14 days
TIME TO MAKE A CLAIM
270 days
ANNUAL DEDUCTIBLE OPTIONS
$100, $250, $500, $750 or $1,000
AVAILABLE REIMBURSEMENT RATES
70%, 80% or 90%
ANNUAL PAYOUT LIMITS
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or Unlimited
Customizable plans with flexible deductible options
No lifetime or per-incident coverage limits
30-day money-back guarantee
Discounts for military members and multi-pet households
Cons
No direct vet payment option
5-day waiting period for accident coverage
Requires annual health exams and dental checkups
Exam fee coverage costs extra
Prudent Pet offers pet insurance across all 50 states and the District of Columbia. This Illinois-based company provides Accident & Illness coverage for dogs and cats starting as young as six weeks old, with no maximum age limits, making it a great option for pets of all ages.
Launched in 2018, Prudent Pet has quickly risen as a standout in the pet insurance space, offering plans designed to suit a wide range of pet owners’ needs.
COMPANY DETAILS
Prudent Pet Pet Insurance
WAITING PERIODS
5 days for accidents, 14 days for illnesses, 180 days for cruciate ligament and hip dysplasia
AVERAGE DAYS TO REIMBURSE
7 days (with 85% in less than 24 hours)
TIME TO MAKE A CLAIM
90 days after the end of the policy term
ANNUAL DEDUCTIBLE OPTIONS
$50, $100, $200, $250, $500, $750, $1,000, $1,500 or $2,500
AVAILABLE REIMBURSEMENT RATES
70%, 80% or 90%
ANNUAL PAYOUT LIMITS
$2,500, $5,000, $10,000 or Unlimited
Prudent Pet Pet Insurance Coverage
Dental coverage: Yes
Alternative therapies: Yes
Bilateral conditions: Yes
Congenital disorders: Yes
Behavioral disorders: Training for behavioral disorders only
No age or breed restrictions – suitable for senior pets
High 80% or 90% reimbursement rate for covered expenses
Comprehensive coverage, including exam fees and behavioral issues
No premium increases for filing claims
Shorter 14-day waiting period for coverage
Cons
No accident-only plan option
Limited customer service (no 24/7 support or mobile app)
Higher premiums compared to some competitors
No direct vet payment option
Lacks telehealth or vet chat features
Pumpkin is available in all states in the US. Pumpkin offers some of the best pet insurance plans (underwritten by the Independence American Insurance Company and United States Fire Insurance Company) with deductibles as low as $100, which means you won’t have to pay much out-of-pocket before coverage kicks in, as well as an unlimited annual payout option.
Founded in 2020 by Zoetis, a leading global animal health company, Pumpkin quickly made a name for itself and was awarded “Best Pet Insurance For Comprehensive Coverage” by Businessinsider.com in both 2022 and 2023.
COMPANY DETAILS
Pumpkin Pet Insurance
WAITING PERIODS
14 days for accidents and illnesses
AVERAGE DAYS TO REIMBURSE
7 days
TIME TO MAKE A CLAIM
270 days
ANNUAL DEDUCTIBLE OPTIONS
$100, $250, $500 or $1,000
AVAILABLE REIMBURSEMENT RATES
80% or 90%
ANNUAL PAYOUT LIMITS
$10,000, $20,000 or Unlimited for dogs; $7,000, $15,000 or Unlimited for cats
Choosing a pet insurance policy is a personal decision. However, there are a few factors every pet parent should consider before making a choice.
Understand any common health risks associated with your pet’s breed. For example, some dog breeds are more prone to hip dysplasia than others. Make sure you select a policy that covers genetic issues your pet’s breed may be prone to, as some providers exclude hereditary, congenital, and/or bilateral conditions.
Understand how the cost will change over the lifetime of your pet. This is particularly important because you want to choose the best plan upfront — you don’t want to change companies once enrolled because any pre-existing condition will not be covered.
Evaluate what features matter most to you in both a policy and a company. Here are a few key considerations:
Some policies offer low monthly costs, but not as much coverage.
The amount of time you have to file a claim varies by company, as does the time it takes for them to process and reimburse claim submissions.
Certain pet insurance companies offer technology features that make the claims process easier.
How to Get the Best Pet Insurance Rates
One of the most important things to consider when selecting a pet insurance policy is your premium rate. This is the amount you’ll pay each month to keep your policy active.
It can be tempting to choose the option with the lowest rate. But sometimes, the cheapest pet insurance plan today is not the cheapest plan in the long run.
The best pet insurance plans allow you to customize the policy terms, so you can find a coverage solution that satisfies your budget and provides sufficient financial protection.
Your pet insurance costs will depend on factors like the type of pet, deductible and reimbursement percentage. To help you get an idea of how much you can expect to pay for pet insurance, we crunched more than 478,000 pet insurance rates.
How Much Is Pet Insurance?
The table below shows the average monthly cost of pet insurance for cats and dogs, Based on our analysis for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement level.
Type of Pet
Average Cost per Month
Dog
$56
Cat
$24
How Much Is Pet Insurance for Dogs?
Pet insurance costs an average of $56 per month for a dog for $5,000 of annual coverage, based on our analysis. The average pet insurance cost for a dog is $87 per month for a policy with unlimited annual coverage. Dog owners can expect to pay anywhere from about $24 to $286 per month for pet insurance, depending on the dog’s age, the amount of coverage and the insurance company.
Compare Pet Insurance Cost for Dogs by Age
Pet insurance costs for dogs increase with age. That’s because older dogs are more likely to develop health problems and need vet care as they get older. The table below shows the average monthly pet insurance cost for dogs depending on their age.
Age
Average monthly cost ($5,000 annual coverage)
Average monthly cost (unlimited coverage)
Age 3 months
$43
$64
Age 3 years
$41
$64
Age 5 years
$52
$82
Age 7 years
$74
$114
Source: Forbes Advisor research based on plans with a $250 deductible and 80% reimbursement level.
Compare Pet Insurance Cost for Dogs by Company
The table below shows the average monthly cost of pet insurance for dogs by the top pet insurance companies.
Source: Forbes Advisor research. Costs are based on plans with $5,000 annual coverage ($10,000 for Prudent Pet) and unlimited annual coverage ($100,000 for Lemonade), a $250 deductible and 80% reimbursement level. Chewy Essential Plus, Pumpkin and Trupanion do not offer an 80% reimbursement level, rates are based on a 90% reimbursement level.
Compare Pet Insurance Cost for Dogs by Breed
Breed plays a major role in your dog insurance costs. Small mixed breed dogs are the cheapest to insure while Rottweilers are the most expensive.
The table below shows the average monthly cost of pet insurance for dogs by breed.
Breed
Average monthly cost ($5,000 annual coverage)
Average monthly cost for (unlimited annual coverage)
Pet insurance costs an average of $24 per month for a cat for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and an 80% reimbursement level costs $37 per month.
The insurer and age of the cat affects how much you will pay. Cat owners can expect to pay anywhere from about $18 to $87 per month for pet insurance, depending on the cat’s age, the amount of coverage and the insurance company.
Pet Insurance Cost by Cat Age
The table below shows the average monthly pet insurance cost for cats depending on their age. The policies used to calculated the rates below include a $250 deductible and an 80% reimbursement level.
Average monthly cost for ($5,000 annual coverage)
Average monthly cost (unlimited annual coverage)
Age 3 months
$24
$34
Age 3 years
$12
$34
Age 5 years
$26
$41
Source: Forbes Advisor research
Cost of Cat Insurance by Company
The table below shows the average monthly pet insurance cost for cats by the top pet insurance companies.
Source: Forbes Advisor research. Costs are based on plans with $5,000 annual coverage ($10,000 for Prudent Pet) and unlimited annual coverage ($100,000 for Lemonade), a $250 deductible and 80% reimbursement level. Chewy Essential Plus, Pumpkin and Trupanion do not offer a 80% reimbursement level, rates are based on a 90% reimbursement level.
Cost of Cat Insurance by Breed
The table below shows the average monthly pet insurance cost for cats by breed
Breed
Average monthly cost ($5,000 annual coverage)
Average monthly cost for (unlimited annual coverage)
Abyssinian
$37
$62
Bengal
$31
$54
Bombay
$26
$44
British shorthair
$34
$55
Exotic shorthair
$34
$61
Maine coon
$33
$62
Mixed breed
$23
$40
Persian
$32
$55
Ragdoll
$28
$47
Russian Blue
$28
$47
Siamese
$27
$47
Source: Forbes Advisor research based on plans with a $250 deductible and 80% reimbursement level for cat age 3.
Average Cat Insurance Cost by State
The table below shows the average monthly pet insurance cost for cats by state.
Average Cost of Veterinary Care and Medical Treatments for Cats and Dogs
The average vet visit cost is $70, according to an Advisor analysis of veterinarian costs. But your vet bills could quickly add up depending on the types of services your pet needs, including vaccinations or treatments for accidents and illnesses. Here’s a look at the average cost of a veterinary visit in different states.
Cost of Veterinary Care by State
The table below shows the average cost for veterinary care in each state.
Average Cost of Medical Treatments for Cats and Dogs
The table below shows the average cost of medical treatments for different medical conditions that are common for cats and dogs.
Condition
Average cost of treatment for dogs
Average cost of treatment for cats
Cancer
$4,341
$3,204
Ingested foreign objects
$5,106
$4,636
Diabetes
$3,055
$1,959
Broken bone
$2,898
$2,772
Heart murmur
$881
$790
Arthritis
$740
$656
Dental disease
$1,038
$1,186
Bladder infection/UTI
$513
$846
Eye conditions
$1,059
$758
Kidney disease
$1,813
$1,409
Source: Pets Best, based on claims data from January 1, 2023 to December 31, 2023
7 Factors That Impact Pet Insurance Prices
Pet insurance companies use multiple factors when setting rates.
1. Coverage Type
One of the biggest factors determining pet insurance cost is the coverage. For example, a comprehensive policy that covers a range of treatments and also routine care will cost more than an accident-only policy.
Your coverage choices depend on the pet insurance company. Here are the common types of pet insurance plans:
Comprehensive pet insurance plan. A comprehensive pet insurance plan will combine an accident and illness policy with a routine care plan. This is the most expensive type of plan because it covers the most problems.
Accident and illness coverage. This type of policy helps pay for vet bills for unexpected incidents, such as sprains from accidents, poisonings and common illnesses, such as ear infections. This might also cover lab tests, surgeries, hospitalization, prescription medications and emergency care.
Accident-only coverage. This type of policy covers certain medical expenses if your pet suffers an accident, such as a broken bone. Coverage might include diagnostic tests, surgeries, X-rays, hospitalization, prescription medications and emergency care. This is the cheapest type of plan because it covers the fewest problems.
Routine wellness plans. This type of policy covers medical expenses for wellness exams, flea and heartworm prevention, vaccinations and other routine annual care. You can typically add this to your accident and illness plan. The average cost for a wellness plan for dogs is $24 per month and $22 per month for cats (that’s on top of the monthly cost for your pet insurance plan).
2. Deductibles
A deductible is the amount of money you pay out of pocket every year to a veterinarian before coverage starts. You can typically choose a pet insurance deductible that ranges from $0 to $1,000.
The higher your deductible amount, the less you pay in pet insurance costs.
3. Reimbursement Levels
Pet insurance policies are reimbursement-based, meaning you usually have to pay up front for your pet’s medical bills and submit a claim to the pet insurance company.
Once you meet the deductible for your plan by paying out-of-pocket, coverage kicks in at the level outlined in the plan. You can typically choose reimbursement options of 70%, 80% or 90% of the pet medical expenses that are covered by the plan.
Pet insurance costs are higher for better levels of reimbursement.
For example, say you have a pet insurance plan with a $500 deductible and 80% reimbursement level:
If the pet has a medical procedure that costs $1,500 and it’s your first claim of the policy period, you would first pay $1,500 to the vet.
The first $500 of that is your deductible.
Then you’d be reimbursed 80% of the remaining $1,000, for a reimbursement of $800.
4. Pet’s Breed
Your pet’s breed is a factor in determining pet insurance costs. That’s because some breeds are predisposed to illnesses, which typically translates to more veterinary visits and higher medical bills. For example, some larger breeds of dogs are more susceptible to heart and hip issues.
In our analysis of filings by pet insurers to state regulators, we found many pricing levels based on dog breeds but little variation for cats.
Cats are cheaper to insure than dogs. And birds, reptiles, rabbits and ferrets cost less to insure than cats.
5. Age of Pet
A pet’s age is another piece of the pet insurance cost puzzle. As your pet gets older, the chances of illness and injury increase, which results in higher pet insurance costs. We analyzed age rating factors for a Veterinary Pet Insurance Co. policy and found that the best prices were after a pet’s first birthday until around age six. By the pet’s ninth birthday, you can expect its age rating factor to more than double.
Age of pet
Dogs
Cats
0 – 11 months
Base rate + 77%
Base rate + 88%
1 year
Base rate
Base rate
2 years
Base rate
Base rate
3 years
Base rate + 9%
Base rate + 8%
4 years
Base rate + 23%
Base rate + 17%
5 years
Base rate + 38%
Base rate + 29%
6 years
Base rate + 55%
Base rate + 43%
7 years
Base rate + 71%
Base rate + 58%
8 years
Base rate + 90%
Base rate + 76%
9 years
Base rate + 115%
Base rate + 95%
10 years
Base rate + 143%
Base rate + 117%
11 years
Base rate + 173%
Base rate + 124%
12 years
Base rate + 205%
Base rate + 168%
13 years
Base rate + 229%
Base rate + 197%
14 years
Base rate + 253%
Base rate + 225%
Source: State insurance filings from Veterinary Pet Insurance Co.
6. Location
Where you live and the local cost of veterinary care will affect pet insurance costs. For instance, pet owners in urban areas may pay more for pet insurance due to higher average vet costs.
7. Discounts
Pet insurance companies sometimes offer discounts such as:
Multi-pet discount
Bundling multiple policies like pet and home insurance
Membership in organizations such as AARP
Military member
Annual pay discount
The table below shows pet insurance discounts available by company.
If your cat suffers from an illness or has an accident, like swallowing a foreign object, it could cost you thousands of dollars at the vet. Our data research team analyzed 173,484 cat insurance rates and evaluated 34 key coverage categories, then determined our top eight picks. Read our methodology
Pet insurance for cats and kittens can be an effective way to cover unexpected vet bills for accidents (such as broken bones and swallowed objects) and illnesses (such as cancer and feline leukemia). Find out which plans offer competitive prices and first-rate coverage.
Spot Pet Insurance
Our Expert Review
Our analysis found that Spot is the best overall pet insurance for cats and kittens, earning 5.0 stars from our research team. Its accident and illness plan with $10,000 in annual coverage is a superb value that includes a wide range of coverage benefits included with its base policy, such as behavioral therapy, alternative therapy, prescription food and supplements, stem cell therapy, dental illness, vet exam fees, end-of-life expenses and a 24/7 vet telehealth line.
If you need even more coverage, Spot’s accident and illness plan with unlimited annual coverage also did well, earning 4.0 stars from our research team.
Pets Best
Our Expert Review
Our analysis found that Pets Best is the best pet insurance for cats and kittens for cost and coverage, earning 4.9 stars from our research team. The Pets Best Elite plan offers exceptional rates for purebred cats, as well as mixed-breed cats. It also provides an excellent lineup of coverage, such as alternative therapy, dental illness, end-of-life expenses and the ability to pay your vet directly.
Pets Best Essential and Plus with $10,000 annual limits were also high-ranking, each earning 4.9 stars. Pets Best Essential with unlimited annual coverage earned 4.5 stars, while Elite and Plus unlimited plans earned 4.4 stars, according to our research team.
ASPCA
Our Expert Review
Our evaluation found that ASPCA Pet Health Insurance is the best pet insurance for cats and kittens for its all-around coverage, earning a 4.7-star rating from our research team. It has a solid selection of coverage benefits such as alternative therapy, behavioral therapy, end-of-life expenses, vet exam fees, dental illness, prescription food and supplements, and a 24/7 vet telehealth line.
Prudent Pet
Our Expert Review
Our analysis determined that Prudent Pet is the best pet insurance for cats and kittens for customer experience, earning a 4.7-star rating from our research team. The Prudent Pet Essential plan ranks highest in our evaluation for overall satisfaction, including claims handling and customer support. This indicates its ability to provide a consistent and better-than-average experience for customers.
Figo Pet Insurance
Our Expert Review
Our analysis found that Figo is the best pet insurance for cats and kittens for plan upgrades, earning 4.4 stars from our research team. Its custom plan offers competitive prices for its base plan and the option to upgrade your plan via “Powerups.”
Figo’s Powerups include uncommon coverage, including advertising and rewards if your pet is lost or stolen, and up to $250 in final respects coverage such as burial or cremation. Powerups also include up to $10,000 in liability coverage if your pet damages someone else’s property, boarding cost reimbursement if you are hospitalized and coverage for vet exam fees. It’s rare to find this range of add-ons bundled together with other top pet insurers.
Lemonade Pet Insurance
Our Expert Review
Our analysis found that Lemonade is the best pet insurance for cats and kittens for its cheap prices, earning a 4.3-star rating from our research team. Its plan with $20,000 of annual coverage was the cheapest option for mixed-breed and purebred cats in our analysis.
Nationwide Pet Insurance
Our Expert Review
Our evaluation determined that Nationwide is great pet insurance for cats and kittens for budget-minded pet owners, earning 4.2 stars from our research team. Its Modular pet insurance plan offers low-cost prices for mixed-breed cats and includes a solid set of coverage benefits, though its annual coverage limit of $10,000 may not be sufficient for all cat owners.
Metlife
Our Expert Review
We found that MetLife is a great pet insurance for cats and kittens for short waiting periods, earning a 4.2-star rating from our research team. MetLife’s accident coverage begins at 12:01 a.m. ET the day after you purchase a plan, allowing you to use your plan nearly immediately if your cat or kitten is injured.
There’s plenty to consider when choosing a place to live with your dog. From pet-friendly apartments and affordable pet fees to nearby parks and dog-friendly amenities, the right city can make life much easier for both you and your four-legged companion.
We evaluated dog-friendly characteristics across 93 large U.S. cities to identify the best places for dogs.
The Best Cities for Dogs
No. 1: San Francisco, California
San Francisco’s score: 75 out of 100
Known for its mild climate and iconic hills, San Francisco ranks at the top of our list of the best cities for dogs. All residents (100%) have access to a park within a 10-minute walk, and the city has a high number of dog parks per 100,000 residents (4.2).
There are plenty of opportunities to get your dog outside for some fresh air and exercise. Golden Gate Park features four dog play areas. If your dog prefers larger open spaces and trails, McLaren Park is another option, with events held at the Jerry Garcia Amphitheater. Dogs must be kept on a leash in the park.
Finding a dog-friendly apartment in San Francisco can be more challenging. Only 37% of rental units allow pets, although just 22% of those units charge pet rent.
Be sure to check local pet regulations before moving to San Francisco. For example, owning an unaltered pit bull or pit bull mix is prohibited, meaning these dogs must be spayed or neutered. San Francisco also requires a permit for owners who plan to breed a pit bull.
No. 2: Henderson, Nevada
Henderson’s score: 60 out of 100
Henderson offers plenty of options for dogs and their owners, including 19 dog parks throughout the city. Renters should also have relatively little trouble finding pet-friendly housing. About 90% of rental units allow pets, although roughly two-thirds charge pet rent, averaging $34 per month.
Pet-friendly amenities are available in some rental properties as well. Around 31% of rentals have pet play areas, while 8% offer pet washing or grooming stations.
One popular destination is Bark Park at Heritage Park. The park includes dog runs, a walking trail, an agility course and drinking stations for pets. Owners can relax on bone-shaped benches while children can play on Barkules, a large 6-foot-tall and 18-foot-long play structure.
Nevada law prohibits cities and municipalities from banning specific dog breeds. State legislation that took effect in 2022 also prevents home insurance companies from refusing coverage, canceling policies, declining to renew them or increasing premiums solely because of a dog’s breed, unless the individual dog has been identified as vicious or dangerous under state public health laws.
No. 3: Denver, Colorado
Denver’s score: 60 out of 100
Denver is another strong choice for dog owners, with 79% of apartments allowing pets. When you’re not exploring the Rocky Mountains, you can easily find nearby green space, with 90% of Denver residents living within a 10-minute walk of a park.
The city has 1.89 dog parks per 100,000 residents and 12 designated Denver Dog Park locations. One example is Railyard Dog Park, which covers an acre and features two separate play areas.
Dogs visiting Denver’s dog parks must be spayed or neutered or have a current Denver Intact Permit. They must also have current rabies vaccinations and a Denver dog license.
Denver residents voted in 2020 to repeal the city’s longstanding pit bull ban. However, owners of pit bulls must obtain a Breed-Restricted Permit through Denver Animal Protection. The evaluation costs $25, while the permit costs $30. Households are limited to two pit bulls.
No. 4: Albuquerque, New Mexico
Albuquerque’s score: 60 out of 100
Dog owners looking for housing in Albuquerque should have a reasonable selection of pet-friendly apartments. Around 71% of apartments allow pets. Of the units that charge pet rent, 56% do so at an average cost of $27 per month, below the $33 average across the cities analyzed.
Only 6% of pet-friendly apartments offer dedicated pet play areas. However, 90% of Albuquerque residents live within a 10-minute walk of a park, and the city has approximately 2.62 dog parks per 100,000 residents.
Santa Fe Village Park is one option for dog owners, offering a short trail and a fenced dog park with fresh water and lighting.
After spending time outdoors, you and your dog can stop by Flying Star Cafe, a local chain known for its pet-friendly patios, water bowls and complimentary treats for dogs.
Although statewide proposals to restrict certain breeds, including pit bulls and Rottweilers, have failed in the past, Albuquerque’s Angel’s Law holds owners civilly and criminally responsible for potentially dangerous dogs that pose a threat to public safety.
No. 5: Portland, Oregon
Portland’s score: 60 out of 100
Portland is particularly well suited to dogs that enjoy socializing and spending time outdoors. The city has one of the highest concentrations of dog parks among the cities analyzed, with 5.79 dog parks per 100,000 residents.
There are more than 30 off-leash parks throughout the city. Cathedral Park is one popular destination, offering views of the historic St. Johns Bridge, Portland’s only steel suspension bridge.
Portland also has numerous dog-friendly restaurants and bars where pets can enjoy water and treats. At Tin Shed Garden Cafe, for example, dogs can order “Fido Food,” featuring free-range chicken thigh and sweet potato, followed by a dog-friendly dessert made with banana, peanut butter and yogurt.
Around 63% of Portland apartments allow pets, while approximately half of those properties charge pet rent. The average pet rent is $33 per month.
No. 6: Aurora, Colorado
Aurora’s score: 55 out of 100
Apartment hunters with dogs should have plenty of options in Aurora. Approximately 83% of rental units allow pets, and some properties offer additional amenities, including pet play areas at 17% of rentals and grooming or washing stations at 8%.
Pet rent is fairly common. About 61% of rentals that allow pets charge an additional monthly fee, averaging $32.
Finding outdoor space should also be relatively easy. Around 87% of Aurora residents live within a 10-minute walk of a park, while the city has 1.06 dog parks per 100,000 residents.
Grandview Dog Park provides more than five acres for dogs to explore and includes an agility area for pets that enjoy a little extra activity.
Aurora also has dog-friendly dining options. The patio at Lazy Dog allows owners to dine with their pets, with menu options such as grilled hamburger patties and grilled chicken breast bowls available for dogs.
No. 7: Sacramento, California
Sacramento’s score: 55 out of 100
Sacramento can be a convenient choice for renters with dogs. Approximately 64% of apartments allow pets, while 37% charge pet rent. The average additional monthly cost is $31. Around 9% of apartments also provide dedicated pet play areas.
For residents who need more outdoor space, Sacramento offers plenty of nearby parks. Approximately 83% of residents have access to a park within a 10-minute walk, and the city has 3.15 dog parks per 100,000 residents.
Sacramento has 14 off-leash parks, including Truitt Bark Park, which features a public art installation incorporating the word “BARK.”
Sacramento County allows households to keep up to four dogs and four cats, with all animals required to be licensed. Owners who want to keep more animals may need to obtain a special permit.
No. 8: Madison, Wisconsin
Madison’s score: 55 out of 100
Madison offers plenty of accessible outdoor space for dogs. Approximately 95% of residents live within a 10-minute walk of a park, and the city has 4.15 dog parks per 100,000 residents.
There are nine off-leash parks in Madison, including Warner Park Dog Park Lagoon, where dogs can cool off during warmer months. Madison residents need both a dog license and a dog park permit to use these facilities.
Around 64% of Madison apartments allow pets, and 71% of those apartments charge pet rent. The average monthly pet rent is $31.
Some properties also offer additional pet amenities. Approximately 5% of apartments have dedicated pet play areas, while 6% have grooming or washing stations.
Madison also has dog-friendly dining options, including the patio at Bassett Street Brunch Club.
No. 9: Chicago, Illinois
Chicago’s score: 55 out of 100
More than half of Chicago apartments (56%) allow pets. Among pet-friendly units, just 26% charge pet rent, with an average cost of $29 per month.
Around 11% of pet-friendly apartments have dedicated pet play areas, while 5% offer pet grooming and washing facilities.
Chicago performs particularly well when it comes to access to parks. Approximately 98% of residents live within a 10-minute walk of a park. The city has 1.06 dog parks per 100,000 residents, putting it in the lower half of the cities analyzed for this measure.
Even so, Chicago has more than 30 dog-friendly parks. Puptown in Margate Park, for example, provides more than 16,000 square feet of off-leash space for dogs.
Dog owners should check local and landlord-specific breed restrictions before signing a lease. Certain areas may have additional requirements for specific breeds. For example, a North Chicago ordinance requires pit bull owners to obtain a Pit Bull Kennel License and carry renters or homeowners insurance with at least $100,000 in liability coverage.
No. 10: New York City, New York
New York City’s score: 55 out of 100
Finding a pet-friendly apartment in New York City can require some searching. Approximately 41% of apartments allow pets, but only 5% charge pet rent. That’s significant because the average pet rent among apartments that charge it is $108 per month.
Only about 2% of pet-friendly apartments have dedicated pet play areas, so local parks are an important resource for dog owners.
New York City performs extremely well for access to parks, with 99% of residents living within a 10-minute walk of one. The city has 1.71 dog parks per 100,000 residents and numerous off-leash options across the five boroughs.
Dogs are also permitted on the sand at New York City’s beaches from October 2 through the Friday before Memorial Day.
For owners who enjoy dining out with their dogs, some establishments offer pet-friendly outdoor patios. The Barking Dog in Hell’s Kitchen, for example, has a dog-friendly patio where pets can receive treats while their owners enjoy a meal or drinks.
New York state legislation enacted in 2022 also prevents home insurance companies from refusing to issue or renew coverage, canceling policies or charging higher rates based solely on a dog’s breed.
No. 11: Oakland, California
Oakland’s score: 55 out of 100
Oakland’s mild winters and sunny weather make it an attractive place for spending time outdoors with a dog. The city has 3.84 dog parks per 100,000 residents.
Dog owners can choose from five fenced, off-leash dog parks, four additional parks where dogs can roam off-leash and 18 on-leash dog-friendly parks.
After a day outdoors, there are several dog-friendly places to eat and relax. Drake’s Brewing Company has a dog-friendly outdoor beer garden with fire pits, Adirondack seating and wood-fired pizza. Another option is Brotzeit Lokal, which offers a waterfront setting and German-inspired food.
Finding pet-friendly housing can be more difficult. Only 36% of Oakland apartments allow pets, although just 28% of pet-friendly apartments charge pet rent. For apartments that do charge it, the average pet rent is $86 per month.
Approximately 9% of pet-friendly apartments have a play area, while another 9% offer pet grooming or washing facilities.
Apartment hunters should also check for breed restrictions. Some properties may restrict breeds such as Akitas, Doberman pinschers, German shepherds, Great Danes, huskies, pit bulls, Saint Bernards or mixes of restricted breeds.
The average cost of pet insurance in California is $81 per month for a dog and $42 per month for a cat, according to Forbes Advisor’s analysis of pet insurance costs. That’s for a policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level.
A policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level costs an average of $57 per month for a dog and $30 per month for a cat.
Cost of Pet Insurance for Dogs in California
Company
Monthly cost for $5,000 in annual coverage
Monthly cost for Unlimited annual coverage
Spot
$42
$89
Embrace
$44
$79
Average Cost of Pet Insurance for Dogs in California
Average Cost of Pet Insurance for Cats in California
How To Find the Best Pet Insurance in California
When you’re examining your choices for the best pet insurance, you may be searching for the cheapest pet insurance policy. Although price is an important factor, you should also make sure the policy has these features.
Choose a Plan With a 24/7 Vet Helpline
Many pet insurers offer complimentary access to a 24/7 vet helpline to assist with pet health-related questions. So, if your pet has an accident in the early morning hours, you can call the vet helpline for guidance.
Find Out If There Are Direct Vet Payments
Some pet insurers offer direct vet payments, so you don’t have to wait for reimbursements. Look for policies like those offered by Trupanion and Pets Best if you’d like to decrease your out-of-pocket cost.
Check for a Multi-Pet Discount
If you have more than one four-legged companion, look for a multi-pet discount when you get pet insurance quotes. Pet insurers may also offer other discounts, such as a military discount or an annual pay discount.
Add Wellness or Routine Care Coverage
Annual vet checkups can decrease your chances of large health bills later. If you want help paying for preventive care costs, consider searching for a provider that offers a pet insurance wellness plan.
Find Out the Waiting Periods
Every provider applies pet insurance waiting periods. That’s the length of time you must wait after signing up until your pet insurance starts.
Check Whether Vet Exam Fees Are Covered
Although it may seem counterintuitive, not every company pays for vet expenses for a visit for an accident or illness. If you want to avoid the cost of an exam, consider companies that will cover this cost.
Pet Wellness Plans in California
A standard pet insurance plan won’t cover routine vet bills like annual exams, heartworm prevention, vaccinations and feline leukemia virus (FeLV) testing.
Many insurers offer wellness for routine care to cover these types of expenses. You’ll have to pay extra to add a wellness plan. It usually costs about $38 to $75 per month for a dog and $23 to $46 per month for a cat.
The average vet visit cost in California is $57 for dogs, according to the analysis. If your pet has additional health care needs, like surgery and an X-ray, costs will be higher.
Veterinary Costs in California
Here’s a look at vet visit costs in different cities in California.
City
Average Cost For A Veterinary Visit For One Dog
Average Cost For A Veterinary Visit With Additional Dog
Total Cost For A Veterinary Visit With Two Dogs
Los Angeles
$85
$67
$152
San Diego
$85
$67
$152
San Francisco
$106
$83
$189
Palm Springs
$83
$65
$148
Anaheim
$85
$67
$152
Source: Banfield Pet Hospital
Cost of Veterinary Services in California
Here’s a look at the average cost of common vet services in California.
Type of pet
Rabies vaccination
Dental cleaning
Spaying
Neutering
Dog
$31
$481
$509
$478
Cat
$31
$481
$355
$247
Methodology
To find the best California pet insurance, companies were scored based on the following:
Pet insurance rates for mixed breed dogs (20% of score): Average rates were calculated for medium-sized mixed breed dogs ages 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and 80% reimbursement level, or the closest options available.
Pet insurance rates for purebred dogs (20% of score): Average rates were calculated for French bulldogs, German shepherds, golden retrievers, Labrador retrievers and poodles ages 3 months and 3 years for plans with unlimited coverage, a $250 deductible and 80% reimbursement level, or the closest options available.
Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points. In order to receive points, this feature must be stated on the pet insurer’s website.
Special waiting period (5% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that have no special waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher. In certain states, waiting periods are dictated by state law and may vary.
24/7 vet telehealth line (5% of score): Insurers that provide access to a 24/7 vet telehealth line earned points.
Routine wellness plans (5% of score): Insurers that offer optional wellness plans earned points.
Multi-pet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multi-pet discount earned points.
Digital experience (5% of score): Pet insurers were evaluated on mobile app ratings for both Android and Apple, whether there’s a useful website search function and whether there’s a live chat that provides helpful information.
Behavioral therapy (2% of score): Insurers that cover behavioral therapy in their base policies earned points.
Alternative therapy (2% of score): Insurers that include alternative therapies such as acupuncture, chiropractic care and hydrotherapy in their base policies earned points.
Dental illness (2% of score): Insurers that include coverage for dental illnesses, such as gingivitis and periodontal disease, earned points.
Pays veterinary exam fees (1% of score): Policies that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit that’s covered by insurance.
Stem cell therapy (1% of score): Insurers with coverage for stem cell therapy in their base policies earned points.
Coverage for prescription food and supplements (1% of score): Insurers that reimburse for food and supplements prescribed by a veterinarian earned points.
Euthanasia or end-of-life expenses (1% of score): Insurers that cover end-of-life expenses, such as euthanasia, cremation or burial fees, received points.
Forbes Advisor customer satisfaction survey (15% of score): Two surveys of current pet insurance customers were conducted.
1,300 American pet owners with insurance who had purchased a new policy within the last 12 months were surveyed, with 100 per company. The online survey was commissioned by Forbes Advisor and conducted by Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11–29, 2024. The margin of error is ±1.5 points with 95% confidence.
1,300 American pet owners who had filed a pet insurance claim within the past 12 months were surveyed. The online survey was commissioned by Forbes Advisor and conducted by Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ±1.9 points.
The surveys were overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR). (Forbes)
Best California Pet Insurance Frequently Asked Questions (FAQs)
What is a good amount for pet insurance?
It’s a good idea to buy enough pet insurance to cover large and unexpected vet bills. For example, problems like torn ligaments, diabetes or cancer treatment can cost thousands of dollars at the vet.
Some pet insurers offer unlimited annual coverage, but if you want lower annual coverage for a cheaper price, you can find plans that range as low as $2,500 to $5,000 per year. But if your vet bills exceed your annual limit, you’ll have to pay out of pocket for any vet bills that go over that amount during the policy year.
What company is best for pet insurance in California?
Embrace and Spot scored 4.5 in the analysis of the best pet insurance companies in California.
Embrace is recommended for its Healthy Pet Discount program, which can save you up to 10% if your claim reimbursements are low during your policy year.
Spot stands out for the amount of coverage included in its base policy, such as coverage for dental illness, alternative therapy, vet exam fees, prescription food and more.
Is pet insurance worth it in California?
The best way to determine if pet insurance is worth it is to examine how an unexpected vet bill could cause a major money issue.
For example, if you’ve been paying about $57 per month for pet insurance for three years, you’ve paid $2,054 in pet insurance bills.
Let’s say your dog swallows a tennis ball and treatment costs $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for the surgery would be $900:
$250 deductible + 20% of $3,250 = $900
Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,954 and avoided paying $546 by having pet insurance.
What is the most cost-effective pet insurance in California?
Embrace is the most cost-effective pet insurance in California due to its below-average prices and solid coverage options.
Its base policy includes a 24/7 pet telehealth line, as well as coverage for alternative therapy, behavioral therapy, dental illnesses and stem cell treatment.
Embrace’s Healthy Pet Discount program also offers pet owners a way to save if their claim reimbursements are less than $300 in a policy year.
We found that Prudent Pet is the best pet insurance company, earning a 5.0-star rating from our research team. The Prudent Pet Essential plan is the best overall plan due to its very competitive prices, high customer satisfaction and impressive coverage benefits.
The Prudent Pet Ultimate plan also scored well in our evaluation, earning 4.8 stars from our research team.
Pros and Cons
Outstanding score on our Price-Value Index, which measures the best bang for your buck in terms of the coverage you get per dollar spent
No option to pay the vet directly
The six-month waiting period for knee and ligament issues can be waived if you get a vet exam within the first 30 days of the policy
Does not offer customer support through an app
24/7 vet telehealth line available
Includes coverage for vet exam fees, behavioral therapy, alternative therapy, dental illness, stem cell treatments, prescription food and supplements, and end-of-life expenses
Consumer Sentiment Index
Prudent Pet’s customers highlight its affordability and comprehensive coverage, along with its friendly, knowledgeable and helpful customer service. The process of buying a policy is described as easy to navigate and a straightforward approach to pet care. Some customers expressed concerns with denials of claims related to preexisting conditions and rising premiums.
Plan Details
Coverage type
Plan details
Annual coverage amount
$10,000, Unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $1,000
Waiting periods
5 days for accidents, 14 days for illnesses, 6 months for knee and ligament issues (can be waived with a vet exam within first 30 days of policy)
Age restrictions
No upper age limits
Multi-pet discount
10%
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Yes, if you buy a wellness plan
Lemonade
Our Expert Review
Our team found that Lemonade is the best pet insurance company for budget-minded pet owners, earning a 4.9-star rating from our research team. It offers extremely competitive rates for both cats and dogs, and it was the top-scoring company in our Price-Value Index, which measures the best bang for your buck in terms of the coverage you get for every dollar spent.
Lemonade also offers an impressive array of discounts for even deeper savings. For example, you may qualify for discounts such as multipet discounts, bundling your pet insurance with other Lemonade policies (like car, home or renters insurance), annual payment discount, Humane Society and animal shelter discounts, and discounts for partnerships with veterinarian clinicians, affinity groups and employer benefits.
If you want even more annual coverage, check out Lemonade’s accident and illness plan with $100,000 of annual coverage, which also has excellent prices and earned 4.5 stars from our research team.
Pros and Cons
Top scoring company in our Price-Value Index, which measures the best bang for your buck in terms of the coverage you get for every dollar spent
No 24/7 vet telehealth line, but it has a live chat for pet health questions seven days a week, 6 a.m. to 12 a.m. ET
Offers different tiers of wellness plans
No option to pay the vet directly
Covers microchipping if you buy the Puppies and Kittens Preventative Care Package for pets ages 2 years and under
May have an upper age limit to buy a new plan, depending on your pet’s breed
Multipet discount of 5% to 10%, depending on your state
You’ll have to pay extra for coverage for vet exam fees, physical therapy and behavioral therapy—some top insurers include these vet expenses in their base coverage
Consumer Sentiment Index
Many Lemonade customers appreciate its competitive pricing, intuitive app and fast claims processing, noting easy claim submissions and quick reimbursement, often within the same day. But some customers reported inadequate customer service, with a reliance on an AI-driven process that may lead to delays and dissatisfaction.
Plan Details
Coverage type
Plan details
Annual coverage amount
$5,000, $10,000, $20,000, $50,000, $100,000
Reimbursement choices
60%, 70%, 80%, 90%
Deductible choices
$100, $250, $500, $750
Waiting periods
Accident coverage begins at 12:01 a.m. the day after you purchase a plan, 14 days for illnesses, 30 days for orthopedic conditions
Age restrictions
May have an upper age limit based on your pet’s breed
Multi-pet discount
5% to 10%, depending on your state
Euthanasia or end-of-life expenses
Included
Vet exam fees
Available as an add-on
Microchipping
Included if you buy the puppies or kittens wellness package
Fetch Pet Insurance
We found that Fetch is the best pet insurance company for dental coverage, earning a 4.6 star rating from our research team. It covers both dental accidents (like broken teeth) and dental illnesses (like periodontitis) and covers every adult tooth (not just the canines), including advanced treatments like root canals.
Fetch includes a 24/7 telehealth treatment, so you can call, text, email or video chat with a licensed vet. Online vet visits are covered up to $1,000, with no copay, no deductible and at no additional cost.
Pros and Cons
Includes a 24/7 telehealth line, so you can call, text, email or video chat with a licensed veterinarian
Prices for mixed-breed dogs are slightly higher than average among the pet insurers in our evaluation
Optional wellness plan available
Does not have the option to pay the vet directly
Prices for mixed-breed cats and purebred dogs and cats are below average among the insurers in our evaluation
Does not offer a multipet discount
Covers kennel/boarding fees if you are hospitalized for four or more days, up to $1,000, (which you won’t find with many pet insurers)
Covers alternative therapy, behavioral therapy, dental illness, stem cell therapy, prescription vitamins and supplements, and end-of-life expenses
Consumer Sentiment Index
Fetch customers praise its broad coverage options, accessible app and customer service. Many customers find the claims process straightforward, with quick reimbursement and ease of submission. But there are criticisms regarding significant premium increases and difficulty with policy cancellation.
Plan Details
Coverage type
Plan details
Annual coverage amount
$5,000, $10,000, $15,000 (you can get higher coverage amounts by calling Fetch)
Reimbursement choices
70%, 80%, 90%
Deductible choices
$300, $500 (you can get more options by calling Fetch)
Waiting periods
No accident waiting period; 15-day illness waiting period; 6-month waiting period for hip and knee injuries (knee injury waiting period can be waived with vet exam within the first 30 days of the policy)
Age restrictions
Available for dogs and cats ages 6 weeks and older; no upper age limit to buy a new policy
Multi-pet discount
N/A
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Yes (if you buy a wellness plan)
Pets Best
Our Expert Review
We found that Pets Best is the best pet insurance company for paying the vet directly, earning 4.5 stars from our research team. The Pets Best Elite plan offers the option to pay your vet directly (if your vet signs the Veterinarian Reimbursement Release Form), which can help reduce your out-of-pocket costs.
The Pets Best Essential and Plus plans with $10,000 in coverage also scored very well in our analysis, earning 4.5 stars and 4.4 stars, respectively, from our research team. These plans offer fewer coverage benefits, but at a cheaper price.
Pros and Cons
Offers a 24/7 pet telehealth line and wellness plans
Does not cover behavioral therapy, prescription food or supplements
CareCredit cardholders can use the card to pay for vet bills and receive reimbursement directly to the card
Does not cover stem cell treatments
No upper pet age limit for buying a new policy
6-month waiting period for coverage of cruciate ligament issues
Offers a 1-month trial policy for dogs and cats ages 8 and under through certain veterinary clinics and companies that partner with Pets Best
Consumer Sentiment Index
Pets Best customers appreciate the customizable plans, affordable premiums for younger pets and comprehensive coverage. But a significant number of customers have expressed frustration with lengthy and often inconsistent claim processing times. Some policyholders had concerns with poor responsiveness and difficulties in communication with customer service.
Plan Details
Coverage type
Plan details
Annual coverage choices
$5,000, $10,000, unlimited
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
Waiting periods
3 days for accidents, 14 days for illnesses and 6 months for cruciate ligament conditions
Age restrictions
Available for pets 7 weeks and older; no upper age limits
Multi-pet discount
5%
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Yes, if you purchase a wellness plan
Plan details may vary by state
Spot Pet Insurance
Our Expert Review
Our team found that Spot is the best pet insurance company for all-around coverage, earning 4.5 stars from our research team. Its accident and illness plan with $10,000 in annual coverage is an excellent value that includes an impressive array of coverage benefits included with its base policy, such as coverage for behavioral therapy, alternative therapy, prescription food and supplements, stem cell therapy, dental illness, vet exam fees, end-of-life expenses and a 24/7 vet telehealth line.
Pros and Cons
No extended waiting period for coverage of orthopedic problems
Prices for mixed-breed dogs are above average, but Spot’s policy includes more coverage than you’ll find at most top competitors
10% discount for AAA members
Does not have the option to pay the vet directly
Offers two tiers of wellness plans
Competitive prices for purebred dogs and cats, as well as mixed-breed cats
Consumer Sentiment Index
Spot customers appreciate its straightforward claims submission process, quick claims processing and responsive customer service, highlighting Spot’s app for its ease of use and clear communication. Some customers have complained about premium increases and difficulties canceling their policy.
14 days for accidents and illnesses; no extended waiting period for orthopedic conditions
Age restrictions
Available for pets 8 weeks and older; no upper age limits
Multi-pet discount
10%
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Included
Metlife Pet Insurance
Our Expert Review
Our analysis determined that MetLife is the best pet insurance company for discounts, earning a 4.4-star rating from our research team. It has an impressive amount of pet insurance discounts that you may not find at other insurers, including discounts for multipet, multiple policies, military members, employer group discounts, organization/membership programs or affinity groups, bundling (such as pet and auto policies), referral programs, adopted pets, senior pets and diminishing deductibles.
Pros and Cons
Has a 24/7 pet telehealth line
No option to pay the vet directly
Accident coverage kicks in at 12:01 a.m. ET the day after you purchase a policy
Does not cover behavioral therapy
Covers alternative therapy, dental illness, stem cell therapy, prescription food and supplements, and end-of-life expenses
Prices for mixed-breed dogs are higher than average
Consumer Sentiment Index
MetLife pet insurance customers appreciate its comprehensive coverage options, quick reimbursement process and the ability to cover multiple pets with shared deductibles. But some customers report frustration with the complexity of documentation that’s required for claims, unresponsive customer service and premium increases.
Plan Details
Coverage type
Plan details
Annual coverage choices
$2,000, $5,000, $10,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $250, $500
Waiting periods
12:01 a.m. ET the day after you purchase a policy for accidents, 14 days for illnesses, 6 months for cruciate ligament conditions
Age restrictions
No upper age limits to buy a new policy
Multi-pet discount
5%
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Yes, if you purchase a wellness plan
Embrace Pet Insurance
Our Expert Review
We determined that Embrace is among the best pet insurance companies for its 24/7 vet help, earning a 4.4-star rating from our research team. While many insurers include a 24/7 vet telehealth line in their base coverage, Embrace offers free 24/7 phone, video and chat options, which can come in handy if your pet gets sick in the middle of the night.
Pros and Cons
Accident coverage begins at 12:01 a.m. ET the day after you purchase a policy
Pets age 15 and older may only qualify for an accident-only policy, while some pet insurers do not have an upper age limit to buy a new policy
Covers behavioral therapy, alternative therapy, vet exam fees, dental illness, stem cell therapy and end-of-life expenses
Does not have the option to pay the vet directly
Offers optional wellness plan
Prices for cats are above average
Consumer Sentiment Index
Embrace customers appreciate the ease of submitting claims, prompt reimbursements and the helpfulness and professionalism of its customer service team. But there are some concerns about premium increases, particularly for older pets, with some reporting that the steep hikes are unaffordable. Some customers reported issues with the mobile app and delays in claim processing.
12:01 a.m. ET the day after you purchase a policy for accidents, 14 days for illnesses, 6 months for cruciate ligament conditions (can be reduced to 14 days with a vet exam)
Age restrictions
Available for pets age 6 weeks and older; pets age 15 and older may not be eligible for a new accident and illness plan but may qualify for an accident-only plan
Multi-pet discount
5%
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Yes, if you purchase a wellness plan
ASPCA Pet Health Insurance
Our Expert Review
Our analysis found that ASPCA Pet Health Insurance is among the best pet insurance companies for coverage of preexisting conditions, earning a 4.4-star rating from our research team. If your pet has a “curable” preexisting condition (like an ear infection), ASPCA will treat this condition like a new condition if your pet is free of symptoms and treatment for 180 days. Many insurers won’t cover preexisting conditions or will have a waiting period of 365 days.
Pros and Cons
24/7 vet telehealth line
Prices for mixed-breed dogs are above average, but ASPCA’s policy includes more coverage than you’ll find at most top competitors
Offers pet wellness plan
14-day accident waiting period—some top competitors have accident waiting periods that kick in at 12:01 a.m. ET the day after you purchase a policy
No extended waiting period for orthopedic issues
Will pay your vet directly (via paper check) once your claim is approved
Very competitive prices for purebred dogs and cats, as well as mixed-breed cats
Consumer Sentiment Index
ASPCA pet insurance criticism centers around dissatisfaction with customer support, unexpected premium increases and the claims process. Some customers find the app and website to have functionality issues and complicated claims submissions, along with long claim processing times and unresponsive customer service. But some customers say they appreciate its coverage for various conditions and its reimbursement for costly vet bills, noting that it’s been worthwhile for emergencies.
Plan Details
Coverage type
Plan details
Annual coverage choices
$2,500, $5,000, $7,000, $10,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750
Waiting periods
14 days for accidents and illnesses; no extended waiting period for orthopedic conditions
Age restrictions
Available for pets 8 weeks and older; no upper age limits
Multi-pet discount
10%
Euthanasia or end-of-life expenses
Included
Vet exam fees
Included
Microchipping
Included
Plan details may vary by state
Healthy Paws
Healthy Paws is one of the leading pet insurance program providers in the U.S. for dogs and cats, and is ranked #1 by customers on leading review websites. Chubb, an A+ rated insurance carrier, underwrites its insurance policies. The Healthy Paws Foundation, a 501(c)(3) non-profit organization, provides cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries and advanced medical treatments of homeless pets in their care. To learn more about their mission to save more homeless pets and how you can help, visit https://www.healthypawspetinsurance.com/how-we-help. For more information about Healthy Paws Pet Insurance, visit https://www.healthypawspetinsurance.com. (PRNewsFoto/Healthy Paws Pet Insurance)
Our Expert Review
Our evaluation determined that Healthy Paws is among the best pet insurance companies for its unlimited lifetime payouts, earning a 4.2-star rating from our research team. Healthy Paws’s rates for unlimited annual coverage for mixed-breed dogs are the lowest among the companies we evaluated, and its costs for purebred dogs and mixed-breed and purebred cats are also below average.
Pros and Cons
Can pay your vet directly (you must request direct payment for approval in advance of your pet’s treatment)
Upper age limit of 13 to buy a new accident and illness plan
Has a 24/7 vet telehealth line
30- or 365-day waiting period for hip dysplasia (depending on your state) if your pet is age 6 or younger at time of enrollment
Covers alternative therapy, stem cell treatment and end-of-life expenses
Pets age 6 or older at time of enrollment are not eligible for coverage for hip dysplasia
Does not offer wellness plans
Does not offer a multipet discount
Consumer Sentiment Index
Most customers are satisfied with Healthy Paws and appreciate its ease of claims filing and fast reimbursement. But there are numerous complaints about steep and unexpected premium increases, especially as pets age, which often forces policy cancellation or reduced coverage. There are also numerous complaints about poor customer service, unresponsive support and inconsistent communication regarding policy changes.
15 days for accidents and illnesses; 6 months for hip dysplasia for pets ages 6 and under at time of enrollment (pets older than age 6 are not eligible for coverage for hip dysplasia)
Age restrictions
Available for pets age 8 weeks and older; upper age limit of 13 to buy a new accident and illness policy
Multi-pet discount
No
Euthanasia or end-of-life expenses
Included
Vet exam fees
Excluded
Microchipping
Excluded
Plan details may vary by state
Pumpkin
Our Expert Review
Our analysis found that Pumpkin is among the best pet insurance companies for its multipet discount, earning a 4.1-star rating from our research team. It offers a 10% multipet discount (many insurers only offer a 5% multipet discount or do not offer multipet discounts) and includes solid perks in its base coverage, such as coverage for behavioral therapy, alternative therapy, dental illnesses, stem cell therapy, prescription food and medication, and end-of-life expenses.
Pros and Cons
No upper age limit to buy a new policy
Does not have a 24/7 vet telehealth line
No extended waiting period for orthopedic issues (some pet insurers have an orthopedic waiting period of six months or longer)
Prices for dogs and cats are above average
Offers a routine wellness plan
Among the highest scoring companies in our Consumer Sentiment Index
Consumer Sentiment Index
Pumpkin largely receives positive reviews for its comprehensive coverage, ease of filing claims and fast claims processing, including support for complex procedures and wellness care. Customers also praise its customer service, particularly during emergency situations. But some customers note significant premium increases over time.
Plan Detail
Coverage type
Plan details
Annual coverage choices
$5,000, $10,000, $20,000, unlimited for dogs; $5,000, $7,000, $15,000, unlimited for cats
Reimbursement choices
80%, 90%
Deductible choices
$100, $250, $500, $1,000
Waiting periods
14 days for accidents and illnesses; no special waiting period for orthopedic conditions
Age restrictions
Available for pets age 8 weeks and older; no upper age limit to buy a new policy
