5 Best Pet Insurance Companies In The USA

In the USA, 95% of pet parents consider their pets as part of the family. Therefore, the pet insurance market is booming! So what are the best companies? 🏆

Pets, plans and budgets – there’s much to be said about pet insurance. A lot of variables need to be analyzed to determine the best company for your wallet and, most importantly, for your beloved friend’s health. So, let’s determine what exactly is pet insurance, what are the three main categories to analyze, and what are the 5 best pet insurance companies in the USA! 🏆


What is pet insurance?

dog and cat pet insurance companies

Let’s take a “closer look” at what is pet insurance and what it can cover…

If your pet gets injured or needs veterinary treatment, pet insurance will usually cover part of it (or in some cases, the whole thing). There are many different policies, similarly to regular health insurance for humans. In addition, some companies also pay indemnities to pet parents if their four-legged friends pass away or get lost. But… – oh, wait! – some pet insurance policies also apply to other exotic animals, and not only dogs and cats! 🐢 In rare cases, they can also cover boarding costs for pets whose owners are sick, help you on some essential steps for finding lost pets and even travel cancellation expenses for owners who wish to remain with their pets in case they’re in critical condition or dying… And who wouldn’t? 😢

Pet insurance companies: how to make your choice

Of course, the best pet insurance plan for you will cover everything you can remember, at a low price! But keep in mind: sometimes, what is too cheap can turn out to be absolutely useless and, in the end, you’ll be spending more money than what you thought… Here are the three main categories of pet insurance plans:

  • Comprehensive: Accidents & Illnesses – the best in quality/price relation. They cover both accidents and diseases. If your pet is suffering and in need of special treatment, this pet insurance plan will save you a lot of money, providing your buddy with the care they deserve!
  • Accidents only – basic and perfectly suitable for most young pets! Not a very good option for older pets, though – their age can bring unexpected illnesses, which these plans won’t cover.
  • Wellness Coverage (Preventive Care) – annual exams, vaccines, flea and heartworm prevention are included, but these plans won’t bring you many great advantages. You’ll be paying monthly, and it’s cheaper to address this type of care directly and only when necessary.

5. Nationwide

Nationwide was the first pet insurance company in the USA – and it’s still the largest! They’ve got many years of experience in this branch, and they’re ready even for the most exotic animals! 🐍

Pet insurance plan:

  • Hospitalization
  • Emergency care
  • Specialist care
  • Accidents
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Prescription medications
  • Wellness option
  • Flexible deductible
  • No lifetime limits
  • No limits per condition
  • Covered for life

➡️ Visit Nationwide


4. Pets Best

You claim, they pay – and they’re fast, too! Besides, Pets Best is also very quick to answer your questions, as well as assisting your pet in case of an emergency. They have customizable plans you can tailor according to what your pet needs!

Pet insurance plan:

  • Hospitalization
  • Emergency care
  • Specialist care
  • Accidents
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Prescription medications
  • Flexible deductible
  • No limits per condition
  • Covered for life

➡️ Visit Pets Best


3. Embrace 🥉

Fast reimbursement and a wide selection of vets at your service are some of Embrace’s main tags! They also have very good online reviews, a good indicator of the quality of the service they provide – no doubt, one of the best pet insurance companies working in the US!

Pet insurance plan:

  • Hospitalization
  • Emergency care
  • Specialist care
  • Accidents
  • Illnesses
  • Hereditary conditions
  • Flexible deductible
  • No annual limits
  • No lifetime limits
  • No limits per condition
  • Covered for life

➡️ Visit Embrace


2. Petplan 🥈

At Petplan, you’re the one who decides what your pet’s plan will cover! They have good customer care who won’t mind explaining all the details of their policy to you!

Pet insurance plan:

  • Hospitalization
  • Emergency care
  • Specialist care
  • Accidents
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Prescription medications
  • Flexible deductible
  • No annual limits
  • No lifetime limits
  • No limits per condition
  • Covered for life
  • No upper age limit

➡️ Visit Petplan


1. Healthy Paws 🥇

Healthy Paws takes the gold among the best pet insurance companies! By offering multiple plans with no caps, Healthy Paws provides you all the pet care you may need with no yearly limits. Plus, their customer care is great – just google their reviews and you’ll see that we’re telling the truth! 🤩

Pet insurance plan:

  • Hospitalization
  • Emergency care
  • Specialist care
  • Accidents
  • Illnesses
  • Hereditary conditions
  • Congenital conditions
  • Prescription medications
  • Wellness option
  • Flexible deductible
  • No lifetime limits
  • No limits per condition
  • Covered for life
  • No upper age limit

➡️ Visit Healthy Paws


If you’re worried about your pet’s well-being, go for a pet insurance plan! There are many different companies in the USA ready to aid your best friend, so just make sure everything’s crystal clear before you commit to one. We hope your pet never needs to rely on insurance, but it’s better not to place your trust in lady luck! 🤕

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