Best Vet Insurance Providers in Your Area

Save big on your vet bills

Vet insurance from a trustworthy provider can save you thousands of dollars a year. Compare the top vet insurance companies in the USA - and wave goodbye to unexpected vet bills.
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Customizable Plans
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Updated in May 2024
Top Ranked Choice
1
1 Rank

America’s top-rated

pet insurance from $10/mo

  • Huge savings on tests, vaccines, and essential care
  • Coverage for preventative care, diagnostics, tests, and procedures
  • Multiple pets? Enjoy additional discounts
  • Quick claims, fast reimbursements
  • Visit any licensed vet & save big

America’s top-rated

pet insurance from $10/mo

VIEW RATES Visit Lemonade
2
2 Rank

Highest-rated pet insurance provider on Google as of April 2024

  • Get paid back quickly for covered vet expenses
  • Rated excellent on Trustpilot with a 4.6 out of 5 star rating
  • No insurance add-on fees, breed, or upper age restrictions
  • Accident and Illness coverage for Cats & Dogs

Highest-rated pet insurance provider on Google as of April 2024

VIEW RATES Visit Pumpkin
3
3 Rank

Coverage options for less than $1 a day

  • Reimbursement for up to 90% of vet costs
  • Take your pet to any licensed vet, emergency clinic or specialist in the US
  • Coverage for pets of any age and breed
  • Get a free quote in 2 minutes or less

Coverage options for less than $1 a day

(855)-704-2246 Call now VIEW RATES Visit MetLife
4
4 Rank

The most comprehensive

pet insurance and health advice

  • Get back up to 90% on unexpected vet bills
  • Exam fees are included (Save $50-$250 per sick visit)
  • Optional coverage for routine and preventive care

The most comprehensive

pet insurance and health advice

VIEW RATES Visit Fetch
5
5 Rank

Customizable plans

to fit your needs and budget

  • Up to 90% back on vet bills
  • Award-winning customer service
  • 30-Day Money Back Guarantee

Customizable plans

to fit your needs and budget

(888)-380-1225 Call now VIEW RATES Visit Embrace Pet Insurance
6
6 Rank

Customizable pet insurance policies

  • Visit any licensed veterinarian in the United States
  • Cancel at any time
  • 24/7 access to VetHelpline

Customizable pet insurance policies

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Considering Pet Insurance?

These are our top 3 choices:
1
1 Rank

Customizable plans

to fit your needs and budget

  • Up to 90% back on vet bills
  • Award-winning customer service
  • 30-Day Money Back Guarantee
  • Free Online Quote
  • 24/7 pet health support line, even on holidays

Customizable plans

to fit your needs and budget

(888)-380-1225 Call now VIEW RATES Visit Embrace Pet Insurance
2
2 Rank

America’s top-rated pet insurance

from $10/mo

  • Huge savings on tests, vaccines, and essential care
  • Coverage for preventative care, diagnostics, tests, and procedures
  • Multiple pets? Enjoy additional discounts
  • Quick claims, fast reimbursements

America’s top-rated pet insurance

from $10/mo

VIEW RATES Visit Lemonade
3
3 Rank

Coverage options for less than $1 a day

  • Reimbursement for up to 90% of vet costs
  • Take your pet to any licensed vet, emergency clinic or specialist in the US
  • Coverage for pets of any age and breed
  • Get a free quote in 2 minutes or less

Coverage options for less than $1 a day

(855)-704-2246 Call now VIEW RATES Visit MetLife

Top Ranked Choice

Top Ranked Choice
1 Rank

America’s top-rated

pet insurance from $10/mo

  • Huge savings on tests, vaccines, and essential care
  • Coverage for preventative care, diagnostics, tests, and procedures
  • Multiple pets? Enjoy additional discounts
  • Quick claims, fast reimbursements
  • Visit any licensed vet & save big

America’s top-rated

pet insurance from $10/mo

VIEW RATES Visit Lemonade

What Is Pet Insurance?

If you buy insurance for your pet, expect to pay about $40 a month or less than $500 yearly for a basic policy. In exchange, your pet can receive emergency care at a veterinarian near you that would cost hundreds or even thousands of dollars out of pocket without insurance. Many pet policies cover expensive treatments such as surgery, radiation therapy for cancer, and prescription medications.

Some policies also provide preventive care such as vaccines and well visits. However, many insurers do not cover pets that have existing health conditions, such as hereditary problems.

Even if your pet never gets sick or has an injury that requires you to use pet insurance, coverage may give you peace of mind. Otherwise, you could end up with a costly bill or a difficult decision if a medical situation arises and you have to rush to a veterinary clinic for urgent care.

Compare Pet Insurance Plans from Lemonade

How Does Pet Insurance Work?

Usually, you pay a monthly premium for your pet’s coverage. Then, after a qualifying visit at a vet near you, you can submit receipts to your pet insurance company for reimbursement. Most pet insurance companies deposit funds directly into your bank account, but some send a reimbursement check.

After you pay the initial premium, you can file a claim when your pet needs vet care. Many insurers have a waiting period of a few days before your pet’s coverage starts. Some policies have a deductible of up to $1,000. In this case, the insurance company will only pay for eligible care after you reach the deductible amount – you’ll have to pay the first amount to your pet clinic yourself.

When you submit a claim, the policy will reimburse you the established percentage, usually 50 to 90%. Your pet’s care may be subject to an annual cap. In this case, you would have to pay out of pocket for care that exceeds this maximum amount.

Compare pet insurance plans from Pumpkin

How Do You Choose the Best Pet Insurance for You?

Look for a policy that will help you reduce your vet bills when your pet needs a vet, and that covers your pet’s unique health needs. For example, you might seek coverage for emergency vet care, dental care, pre-existing conditions, hereditary or breed-based conditions, or behavioral issues. You might want a wellness policy to cover a new puppy or kitten through adulthood. Review the available coverage when you consider a pet insurance company.

Some insurance companies have add-on coverage to enhance basic pet policies. You can often purchase supplemental insurance for exam fees, prescription medications or food, or vaccines and other types of routine care. This is the easiest way to get cheap vet care when your pet needs it.

The cost of pet insurance varies based on several factors. You will generally pay more if you live in an urban area than in a rural area, so it’s important to look for a cheap vet near you. You can save by purchasing insurance in your pet’s younger years. Your premium will generally cost more if you have a dog, a larger breed, or a male pet.

Providing detailed information will help you get accurate quotes from pet insurance companies. You will need your dog or cat’s medical history, age, and breed, as well as your address and other requested personal details. Most pet insurance providers let you get a coverage quote and administer claims for care online.

Compare Pet Insurance Plans from MetLife

FAQ

Is pet insurance accepted everywhere?

You can typically use pet insurance at any veterinary clinic near you, because most policies require you to pay out of pocket for both routine and emergency vet care. You handle the reimbursement for the cost of care directly through your insurance provider. The veterinary office does not participate in this process beyond providing receipts for your pet’s visits. Some insurance policies give discounts for using partner vet practices in their networks. Check out what’s included when you consider an animal hospital near you.

What does pet insurance cover?

Each policy outlines its own coverage terms. Generally, pet insurance covers costs related to accidents or illnesses, such as diagnostic tests, medications, surgeries, and treatments. Some plans also cover hereditary conditions for breeds prone to these issues, behavioral issues, preventive care, and chronic health problems such as diabetes.

What is not covered by pet insurance?

Most pet insurance policies do not cover preexisting conditions. You cannot file a claim for treatment your dog or cat needed before you bought the policy. In addition, insurance will not cover anything outside your policy terms. Carefully read the fine print so you buy a policy that covers all the vet care you expect your pet will need over a lifetime.

When should you buy pet insurance?

Purchasing insurance when your pet is young costs less than buying a policy for an older pet. It also ensures that you will be covered for medical issues that arise later in a pet’s life. It’s the best way to make sure you can keep your vet bills cheap. If you wait until your pet becomes sick or injured, you will not be eligible to buy insurance and will have to pay the vet bills out of pocket.