5 Best Pet Insurance Providers in the US for 2024
If you don't have pet insurance yet, you should. Vet bills in the US are costly, and only getting higher. Make the smart choice and save the hit to your wallet when an emergency strikes. The younger in your pets life you sign up for insurance, the better.
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- Lemonade - Top-notch service and affordable plans
- MetLife Pet Insurance - Best for any age of pet (even seniors)
- Odie - Best up and coming pet insurer
- Prudent Pet - Good choice for Cats and Dogs
- Animalia - Great for quick coverage options
| Provider | For Dogs | For Cats | Coverage | Customer Service | Claims |
|---|---|---|---|---|---|
| Lemonade | A | A | B+ | B+ | A- |
| MetLife Pet Insurance | A | A- | A- | B+ | B |
| Odie | B | B | B+ | A | B |
The flexibility inherent in pet insurance is another noteworthy benefit. Pet owners can typically choose their preferred vet or specialist, facilitating a personalized approach to healthcare. This is particularly beneficial for pets with medical histories, chronic conditions, or ongoing treatments. While there's a monthly premium associated with pet insurance, the peace of mind it provides during unexpected emergencies far outweighs the financial commitment (which is often fairly reasonable). Ultimately, pet insurance represents an investment in your pet's current and future well-being.
The average cost of dog ownership can be anywhere from $1,270-$2,803/year.
- Huge savings on tests, vaccines, and essential care
- 10% bundle discount. 5% multi-pet discount.
- Save $$ on vet bills with our preventative packages
Pet Insurance With Super Fast Everything
Sign up in seconds. Get paid in minutes. Award-winning service.
Huge savings on tests, vaccines, and essential care. Save $$ on your vet bills for annual routine care with our preventative packages.
- WELLNESS EXAM: Annual physical checkup for your pet
- FECAL OR INTERNAL PARASITE TEST: Annual parasite evaluation test
- HEARTWORM TEST: Annual screening of heartworm infestation
- BLOODWORK: Annual detection of diseases before symptoms appear
- VACCINES: Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
- ROUTINE DENTAL CLEANING: Including dental x-rays, anesthesia, polishing, and more
- FLEA/TICK OR HEARTWORM MEDICATION: Protection for your pet from common pests
- MEDICAL ADVICE CHAT: Expert online medical advice for the ultimate peace of mind
Made for puppies and kittens - A preventative care package designed especially for the youngest members of your fur fam.
It covers important procedures like spaying or neutering, microchipping, flea medication, and up
to six vaccines or boosters.
Sweet prices. Sweeter value.
- 10% bundle discount
- 5% multi-pet discount
- 5% annual discount
- Coverage for injuries, illnesses, pet meds & much more
- Starting at $15/mo for dogs, $9 for cats
- Get up to 90% of your vet bills reimbursed
At MetLife Pet Insurance, we get it — pets are like family.
When a member of the family becomes sick or injured, you do whatever it takes to fix it. But those veterinary costs can add up quickly, which is where MetLife Pet Insurance plans can come in.
Our pet insurance plans for dogs and cats can help reimburse you for unexpected vet bills. We can provide insurance for pets of all ages — even seniors — and you can customize your deductible and reimbursement rates so they work best for your pet’s needs and your budget.
Help protect your best friend. Get an instant quote.
New, Innovative Policy Benefits
- The only provider to offer family plans, covering multiple pets on one policy
- Use any licensed vet in the U.S.
Flexible product offerings
- Flexibility to choose from various levels of coverage with no breed exclusions or upper age limits
- No initial exam or previous vet records required to enroll
- Competitive rates with discounts
2023 Best Pet Insurance Winner
- MetLife Pet Insurance won "Pet Insurance of the Year" in the 2023 Pet Independent Innovation Awards. It also won in 2022.
- Praised for its coverage for previously covered pre-existing conditions when switching providers4 and 24/7 vet chat
- Competitive rates with discounts
How MetLife Stands Out
- Easy enrollment and hassle-free claims
- Among the shortest wait periods for accident and illness coverage
- Most claims processed within 5 days
- Affordable & customizable plans
- FREE access to licensed televet chat with all plans
- Wellness plan add-ons for routine care coverage
Vet supported. Pet parent approved.
We dream of a world where all pets have access to the veterinary care they need. Odie reimburses for your vet bills when unexpected illnesses and accidents occur.
The best investment you can make for your pet.
- Personalize your plan
- Multi-pet discount automatically applied when enrolling more than one pet
- 30-day money back guarantee*
Luke and Summer inspired our mission to democratize pet health and wellness. Our story started with a problem we faced as dog owners – pet insurance is too expensive and too confusing. When searching for pet insurance for our two dogs, Luke and Summer, we were frustrated with the unpredictable (and costly) premiums and the lack of flexibility to remove or add coverage as needed. Our friends and family had similar experiences, and we were surprised how limited the options were for quality coverage that was also affordable.
Only 2% of dog and cat owners have pet insurance leaving 98% susceptible to high vet bills. It turns out, millions of pet owners across the US felt the same way as us. Most pet parents can’t afford to pay high vet bills out of pocket. We started Odie Pet Insurance to provide them with an alternative option. By taking three generations of our family’s specialty insurance knowledge and designing a pet insurance program in-house, we were able to directly work with our underwriters, carrier partners, and customers to create a more simple, authentic, and community-driven pet insurance product at an accessible price.
*Exclusions apply. The 30-day free look is only available in select states. Please see your policy for details.
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- 75% of Claims Processed in 24-Hours
- FREE 24/7 Vet Chat on All Policies
- 30-Day Money Back Guarantee
When it comes to your pet’s wellbeing, you shouldn’t have to check with your bank account first.
Prudent Pet Insurance offers Accident & Illness plans or Accident Only plans, with the ability to pick a price that works best for your budget. Optional coverage add-ons also available, like vet exam fee coverage and wellness plans!
At Prudent Pet, we want pets to enjoy good health and receive the best medical care possible throughout their lives. Like so many people today, we consider our pets to be members of the family and want to do whatever it takes to keep them safe.
Knowing your options when it comes to pet insurance policies means you can protect your pet and your finances. That’s why we offer policies that are easy to understand, easy to buy and easy to use. Take the first step and get your pet’s free quote today.
For Dogs and Cats: We believe your pet deserves the best possible care regardless of the cost. That’s why we reimburse up to 90% back on eligible medical costs, based on the plan you choose. Prudent Pet goes above and beyond to offer flexible options like wellness coverage that covers annual exams and dental cleanings. You won’t find those options with other pet insurance providers.
- Accident Only: For when your pet is hurt. Annual Benefit = $10,000
- Essential: For when your pet is hurt or sick. Annual Benefit = $10,000
- Ultimate: For when your pet is hurt or sick. Annual Benefit = Unlimited
- Visit any licensed vet or specialist
- What’s covered? Short story: a hell of a lot.
- So comprehensive you’ll wish we covered humans
Why Animalia Pet Insurance?
- Your pet relies on you: Pets are human-dependent, they can’t protect themselves.
- Care-based, not cost based: No need to decide between breaking the bank or breaking your heart.
- Veterinary medicine has progressed dramatically: Your pet deserves the same treatment you’d give yourself.
- Pets are hard to diagnose. They can’t talk. Insurance ends the guessing game.
Pet insurance is like having a sensible car with a spare tire for life’s bumps. Having Animalia is like a top-of-the-line Rolls-Royce with a swimming pool in the trunk.
Animalia covers your vet bills following injuries, accidents, and illnesses, including diagnostics, procedures, and required treatments! Over the years, Animalia has supported pets and their owners by providing reimbursements for thousands of medical conditions.
We believe that a knowledgeable pet owner is a powerful one. Understanding your beloved pup through a broader evolutionary perspective will help you understand your pet's needs and make better decisions on its behalf. Animalia is much more than comprehensive pet insurance. We’ve also created a vast community of pet owners and experts excited to interact and gain empowering knowledge together.
Try to Beat Our Coverage (Hint: You Can’t)
Our Top 3 Picks
Why You Should Think About Insuring Your Pet
Considering pet insurance is valuable because it acknowledges that your pet is more than just an animal; they are a cherished member of your family. Unexpected veterinary expenses can be costly, leading to stress and financial strain. By investing in pet insurance, you can ensure that your beloved companion receives the necessary care without worrying about the financial implications. Moreover, pet insurance can help save money on routine care, such as vaccinations and check-ups, which accumulate over time. Some policies even offer additional benefits like lost pet recovery or liability coverage. By contemplating pet insurance, you safeguard both your pet’s well-being and your financial stability, providing peace of mind for unexpected circumstances.
As pets age, they are more likely to incur higher vet bills, but young pets can also develop serious diseases or experience an accident. Purebred dogs tend to have more medical problems than mixed breeds, but this is a generalization and not a hard and fast rule.
Choosing the Right Pet Insurance for Your Needs
Selecting the appropriate pet insurance policy may appear daunting due to the array of options available. When evaluating policies, it is essential to assess coverage options, deductibles, and premiums. Seek a policy that offers comprehensive coverage for accidents and illnesses, and consider whether you desire coverage for routine care as well. Evaluate the deductible and co-pay requirements, determining how much you are comfortable paying out of pocket. Additionally, researching the insurer’s reputation and customer service ratings is vital to ensure reliable support when filing a claim. By conducting thorough research and carefully considering your options, you can identify a pet insurance policy that aligns with your pet’s needs and your financial means.
- According to a report by the North American Pet Health Insurance Association (NAPHIA), 1 in 3 pets will require unexpected vet care each year. And the average cost of unexpected veterinary care is around $800-$1,500, which can be a hard financial burden for most pet owners.
- Pet insurance can help owners afford veterinary care when their pet is sick or gets into an accident, making it easier for them to make informed decisions about healthcare without worrying about the cost.
Pet Insurance FAQs
What is pet insurance?
Pet insurance helps cover the cost of veterinary care if your pet becomes ill or injured. It can also cover other aspects such as routine care, prescription food, and even behavioral therapy, depending on the policy.
Why should I get pet insurance?
Vet bills can be very expensive, especially for emergencies or chronic conditions. Pet insurance can help reduce out-of-pocket costs, making it easier to afford care for your pet.
What does pet insurance cover?
Coverage varies by insurer but generally includes accidents, illnesses, surgeries, prescriptions, emergency care, and sometimes even dental work. Some plans also offer wellness coverage for routine care.
What doesn't pet insurance cover?
Most policies exclude pre-existing conditions, and some may not cover breed-specific conditions, routine or preventative care without additional wellness coverage, or elective procedures.
How much does pet insurance cost?
Premiums depend on many factors, including the pet's species, breed, age, health status, and the chosen deductible, reimbursement level, and coverage limits. Prices can range from $10 to over $100 per month.
Is there a waiting period?
Yes, most policies have a waiting period before coverage begins, typically ranging from a few days for accidents to several weeks or months for illnesses.
Can I choose my own vet?
Yes, most pet insurance policies allow you to use any licensed veterinarian in the U.S.
How does reimbursement work?
Pet insurance typically reimburses you for vet bills after you pay them upfront. You submit a claim, and the insurance company pays you back according to your plan's coverage terms.
What are deductibles, and how do they work?
A deductible is an amount you must pay before your insurance starts to cover costs. This can be per incident or annual, depending on the policy.
Can I insure a senior pet?
Yes, but options may be more limited, and premiums higher. Some insurers have age limits for new policies but will continue coverage for pets enrolled at a younger age.
Does pet insurance cover multiple pets?
Yes, many companies offer multi-pet discounts when you insure more than one pet.
How do I choose the right pet insurance plan?
Consider your pet's needs, including any breed-specific conditions, compare plans and providers, review coverage options, and understand the terms and costs involved.
Can I cancel my pet insurance policy?
Yes, policies can typically be canceled at any time, but it's important to check with your insurer for any specific conditions or fees.
What is a pre-existing condition, and how does it affect coverage?
A pre-existing condition is any health issue that your pet had before the start of the insurance policy. These are usually excluded from coverage.
How do I file a claim?
After paying your vet, you submit a claim to your insurance company along with any required documentation. The insurer then processes the claim according to your policy's terms and issues reimbursement.
These answers provide a general overview, but details can vary significantly between different insurance providers and policies. It's important to read the fine print and ask the insurance company any specific questions you may have to ensure you understand what you're getting.
