Overview

Summary: Pets Best provides a variety of options for tailoring a policy, including multiple plans with unlimited coverage. It is available nationwide across all 50 states. All plans include access to the insurer’s 24/7 Pet Helpline, offering round-the-clock assistance for pet-related inquiries.

Coverage and Costs: Pets Best offers policies for both accidents and illnesses, as well as an accident-only plan. The accident-and-illness plans cover injuries from accidents, illnesses like cancer, hereditary conditions, congenital conditions, hospitalizations, surgeries, and certain tests and scans.

The accident-only plan covers issues such as bites, lacerations, and other injuries resulting from accidents. Wellness coverage is also an option. Sample rates include $30.19 per month for dog insurance and $17.48 per month for cat insurance.

Customizations: The accident-and-illness plans allow for various deductible options, reimbursement rates ranging from 70% to 90%, and coverage limits up to unlimited. The accident-only plan has fixed terms: a $250 deductible, a 90% reimbursement rate, and a $10,000 annual limit.

Overview

Summary: Lemonade is a solid option, though its plans are not available nationwide—it currently operates in 37 states. The insurer offers a single plan covering both accidents and illnesses, along with a wider range of add-on coverages compared to some competitors. It has a short waiting period of two days for accidents and 14 days for most illnesses.

Coverage and Costs: Lemonade provides one plan for dogs and cats that covers accidents and illnesses, including injuries, conditions like cancer and diabetes, as well as allergies and arthritis. The base plan includes medications, diagnostic tests, and other treatments, with wellness coverage available as an add-on. Sample rates are $26.83 per month for dog insurance and $14.74 per month for cat insurance.

Customizations: Lemonade allows policyholders to customize premiums by choosing a deductible, annual coverage limits up to $100,000, and reimbursement rates ranging from 70% to 90%. Additional optional coverages include vet visit fees, physical therapy, and dental illness costs.

Overview

Summary: ASPCA Pet Health Insurance offers policies for both accidents and illnesses, as well as an accident-only plan. It stands out as one of the few insurers that covers animals beyond cats and dogs, including horses. Coverage begins after a 14-day waiting period and is available in all 50 states.

Coverage and Costs: ASPCA provides sample rates of $25.47 per month for cat insurance and $42.24 per month for dog insurance. Its accident-and-illness policies cover hereditary and congenital conditions, chronic conditions, dental illnesses, alternative therapies, and prescription medications. The accident-only plan includes injuries like bites, broken bones, and cuts. Optional wellness coverage can be added to either plan.

Customizations: Policyholders can choose from deductible options of $100, $250, or $500, reimbursement rates ranging from 70% to 90%, and various annual limit options.

Overview

Spot offers policies for dogs and cats that cover accidents and illnesses, as well as an accident-only option. It is available in all 50 states and provides numerous customization options for tailoring coverage to your pet’s needs. While Spot has a limited selection of add-ons, it does offer optional wellness coverage.

Spot’s sample rates are $49.33 per month for dog insurance and $23.86 per month for cat insurance. Its accident-and-illness plan covers exam fees, microchipping, tests, cancer, dental illnesses, digestive illnesses, infections, and more. The accident-only plan includes treatments and procedures related to injuries. Spot also offers two tiers of optional wellness coverage: Gold and Platinum, along with a discount for insuring multiple pets.

Policyholders can select from various annual deductible amounts, reimbursement rates up to 90%, and the option for unlimited annual coverage.

Overview

Embrace provides pet insurance policies for dogs and cats, offering flexibility to customize premiums. In addition to its accident-and-illness plans, it includes an optional wellness care add-on.

Embrace offers both accident-and-illness plans and an accident-only plan. Pets aged 14 and younger are eligible for the former, while the latter is the only option for pets 15 and older. The insurer also provides a wellness add-on with three coverage tiers: $250, $450, or $650. Waiting periods are 48 hours for accidents and 14 days for illnesses in most cases. Sample monthly rates are $39.56 for dogs and $20.57 for cats.

For accident-and-illness policies, reimbursement options are 70%, 80%, or 90%, with annual deductibles ranging from $100 to $1,000. Coverage limits vary from $5,000 to unlimited. The accident-only plan has fixed terms: a $100 deductible, 90% reimbursement rate, and a $5,000 annual limit.