Best Pet Insurance Companies
Frequently Asked Questions
What is the best pet insurance company?
Top-rated pet insurers for 2026: Healthy Paws (best overall, fast claims), Embrace (best wellness add-on), Trupanion (best for direct vet payment), Pets Best (best value), ASPCA (most affordable), Nationwide (only insurer covering exotic pets), and Figo (best app/technology).
How much does pet insurance cost per month?
Pet insurance costs $30-$50/month for dogs and $15-$30/month for cats on average. Costs depend on: breed (purebreds cost more), age (older pets cost more), location, coverage level, deductible, and reimbursement rate. Premiums increase as your pet ages.
Is pet insurance worth it?
Pet insurance is worth it if: your pet is young (lower premiums, no pre-existing conditions), you could not afford a $3,000-$10,000 emergency vet bill, or your breed is prone to health issues. The average pet insurance claim is $800, and emergency surgery can cost $5,000-$15,000.
What does pet insurance cover?
Most pet insurance covers: accidents (broken bones, ingested objects), illnesses (cancer, diabetes, infections), surgery, hospitalization, diagnostic tests, prescriptions, and emergency care. NOT typically covered: pre-existing conditions, preventive care (unless wellness rider added), breeding costs, cosmetic procedures, or dental disease (varies by plan).
When should I get pet insurance?
The best time is when your pet is young (8 weeks-1 year). Benefits of early enrollment: lowest premiums, no pre-existing conditions on record, maximum lifetime coverage, and some conditions that develop later will be covered. Waiting until your pet is sick means the condition is pre-existing and excluded.