The Best Pet Insurance Companies of 2022

Reviews and ratings on the nation’s leading Pet Insurance Providers. View the top choices for pricing, coverage, discounts, and overall quality. Please answer a few questions to see our list of the Top Pet Insurance Companies for pet owners just like you.

Disclosure: we receive advertising revenue from some of our clients.

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The Pet Insurance Guide makes the process of getting pet insurance more streamlined and efficient. To enable us to provide our content, we do sometimes collect revenue from our clients for consumers who visit their site from our site. We do not make any compensation for a consumer merely viewing our content. Although we sometimes adjust the ordering of which companies are profiled based on compensation, we make a point of reviewing each company independent of any compensation that may or may not be received to ensure we preserve the value that consumers enjoy from visiting our site.

Best Pet Insurance Options in Your State

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Welcome to The Pet Insurance Guide:

Our goal is to help pet owners make informed decisions -- because we understand that knowing is saving.

Saving you money on pet insurance? Yes. Saving your time by offering a quick and easy way to compare all the leading options in one place? Yes. Saving you from the stress of ending up with a bad insurer by only ranking and reviewing quality providers? Yes and yes. Basically, our aim is to save you from costly guesswork by helping you find the right pet insurance company for your needs.

With so many different pet insurance providers, finding the best one for your pet without spending a fortune is daunting. But it doesn’t have to be this way. Introducing The Pet Insurance Guide and our proprietary rankings and reviews of the best pet insurance companies for pet owners just like you.

Our Methodology

How do we bring you the most accurate and reliable pet insurance information available? Our team has decades of collective experience working in the insurance industry. We took this experience and ran with it, spending hundreds of hours researching pet insurance carriers and analyzing their policies and rates. All this time and effort allowed us to create our proprietary rankings, which are based on our own rating and review system. We rate pet insurance carriers on a scale of 1 to 5, focusing on factors that include their pricing, their coverage, the types of pets they cover, and their online experience.

From there, we leveraged our team’s years of experience building insurance technology and developed our own proprietary algorithm. While all insurers have their own unique algorithms that are used to benefit their companies, ours works similarly but has a different end goal: our algorithm is made to benefit pet owners instead of the insurance companies.

When it comes down to it, insurers use their algorithms to get customers to pay higher and higher rates.

Pet insurance rates are never constant -- they change based on complex factors, including the pet’s age, breed, location, and much more -- and this is what makes pet insurance so difficult to navigate. Even when rates fall across the industry, no carrier is required to inform its current customers and start charging less. It’s up to the customers themselves to continuously research and keep track of insurance rates in order to avoid overpaying, but this is a burden most people don’t have the time to deal with. That’s where we come in. Instead of hours of research, our algorithm takes just seconds to identify the providers currently offering the best rates and policies and send you a curated list.

Our proprietary ratings, reviews, and algorithm work together to tell you not simply the best providers in the pet insurance industry overall, but the best providers for your specific needs. When you receive a provider list from us, the top result is the provider most relevant to your needs and budget, while those listing the highest overall score are the ones that are rated the best in general. To learn more about particular providers, please read our full reviews. Once you’re ready to start comparing providers, just click View Rates and you’ll see just how easy this can be.

What Coverage Does My Pet Need?

While in the not-so-distant past, the idea of having insurance for pets probably never even occurred to most people, today it is a sector of insurance that is seeing rapid growth, and for good reason -- for many, pets are family, and they deserve the same love, affection, and protection that any other family member receives. In many ways, pet insurance functions just like health insurance for people. It ensures that your pet can get any necessary treatments in the event of illness or injury, a safeguard most people want for any member of their family.

And besides a love for their pet, many pet owners are turning towards pet insurance as an easy way to avoid undue financial stress. As anyone who has or has had a pet knows, vet bills are no joke. It’s not uncommon for a pet to be perfectly fine one day and then suddenly incur a $5,000 invoice the next for an emergency surgery no one saw coming. It’s stressful enough to see your dog or cat feeling unwell and adding unexpected financial burden on top of that can be unbearable. This is what makes pet insurance a good investment.

While what exactly is covered under pet insurance depends on the carrier you choose and the policy you take out, there are generally three overarching types of coverage:

  1. Wellness

    While it’s fairly rare to find a wellness-only policy, wellness coverage works for preventative vet care. This can include checkups, vaccinations, spaying/neutering, and certain wellness tests.

  2. Accident

    As with wellness coverage, it’s unlikely to find a policy that is only for accident coverage, but it does exist. Like the name suggests, accident coverage covers your pet in the case of any type of accident or sudden injury. Conditions can include broken bones, torn ligaments, snake or pest bites, being hit by a car, as well as many other sudden injuries your pet might sustain.

  3. Comprehensive (Accident and Illness)

    Comprehensive is easily the most common and popular policy type for pet insurance because it provides coverage for both accident and illness-related treatments. Besides the injuries already mentioned in the accident coverage section above, comprehensive coverage likely includes surgery, specialist visits, chronic condition care, and prescriptions. As far as wellness care goes, some comprehensive packages include it while others do not. What your policy offers depends on the policy itself, which is why it’s important to check each carrier and policy carefully before choosing one.

Whether or not you are eligible for a policy with a particular provider also depends on the type of pet you have. Almost all pet insurance policies are taken out on dogs and cats, and those animals are generally easy to find insurance for. When it comes to other types of animals, finding an insurer that will work with you can be a bit trickier but not necessarily impossible.

Pet Insurance Pricing

Whether pet insurance is necessary or not is entirely up to you. You need to consider your budget, your pet’s typical health needs, and how worth it the sense of security having pet insurance can offer you is. For many pet owners, it is the right choice as it provides both financial security and general safety for their pets. If you do decide to look into pet insurance, however, always keep in mind that the rate you will be charged will be based on your carrier and your specific pet and situation. Pricing is never constant in the insurance world, as a variety of factors always play into it, but you can find a rate that works with your budget if you do your research.

As with any type of insurance, there are several factors that play into the policies and rates you will be offered. In the case of pet insurance, some relevant factors include your pet’s age, their breed, their preexisting conditions, and your location. Carriers will consider all of these factors and more when calculating your rate and policy options, and each carrier will likely offer significantly different results. Shopping around will allow you to find the best rate and coverage available to you specifically.

For senior pets, it can be difficult to get a new policy as they are far more likely to fall ill sooner, making it a good idea to look into pet insurance when your pet is still young if possible. Additionally, certain breeds will be more difficult to find insurance for, or will at least get you charged higher rates, because they may have a statistically higher chance of developing certain illnesses as they get older. However, while one insurer might refuse you, another might accept you, so research is key.

It’s always a good idea to look into possible discounts when getting insurance quotes as well. In the case of pet insurance, options often include discounts for having your pet microchipped, insuring multiple pets, and paying your insurance off annually. While the savings might seem small on paper, these discounts can really add up over the course of a year.

When it comes to price, your best option is to consider each carrier carefully and compare multiple quotes. Each carrier will offer different rates and discounts based on your specific pet and situation. Our rate comparison tool makes figuring out which insurer will work best for your needs easy.

Pet Insurance Company Ratings & Reviews

The Pet Insurance Guide team works tirelessly to keep our rankings as accurate and honest as possible. We’ve spent hours researching each pet insurance carrier carefully. We take into consideration the many different circumstances pet owners looking for insurance might have, and check and compare policy quotes meticulously in order to ensure that our rankings are constantly up-to-date and fair across the board.

While our rankings offer a quick, numeric look at where each carrier sits in each category, our proprietary reviews provide more in-depth analysis on each provider. Our priority is keeping you informed so you can make your pet insurance decisions with as much knowledge as possible behind you. As such, our reviews are carefully curated to reflect the time and effort we pour into our research so that all of this information is readily available to you.

Throughout all of our research, two things have remained clear: no two carriers are exactly the same, and each carrier has its own strong and weak points. We rated carriers on a scale of 1 to 5 in the following categories:

Focusing on these categories, our rankings are determined on the basis of overall quality. In order to provide useful and trustworthy information to you, we’ve chosen to only include insurers that rank at an overall score of 3.0 or better. Any insurer you see reviewed on our site is a reputable company that you can trust with your insurance needs.

5 Best Pet Insurance Carriers of 2022

We’ve ranked the best pet insurance carriers for pet owners just like you. Please click the carriers you’re most interested in to read our full proprietary reviews:

  1. Progressive
  2. Embrace
  3. Pets Best
  4. Spot
  5. Pumpkin
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