7 Best Pet Insurance Plans Compared for 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

Buying pet insurance for your dog or cat can be daunting. As a lifelong pet owner and a nationally licensed insurance agent, I understand the frustration when trying to determine the best pet insurance company. Use my extensive experience and research below to make the most informed decision. The Swiftest is reader-supported. If you decide to purchase pet insurance via links on this page, we may earn an affiliate commission. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Pet Insurance Scored, Ranked & With Cost

Use the below table to quickly compare the best pet insurance providers in the United States. The average monthly prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount. Costs are based on the average price across all 50 states and may vary depending on age, location, coverage amount, and the breed of your puppy or kitten. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$26.31/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$36.24/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$43.86/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$71.74/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$63.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$47.71/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$26.31/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

How much does dog and cat insurance cost for the 15 most popular breeds?

The price for pet insurance varies depending on where you live. To give you an idea, we’ve collected costs for the 15 most popular breeds shown below. The prices will also vary based on the age, health, and location of your pet.

All insurance prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. The costs are based on an average across 150 American cities (3 in each state). Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in your local area, we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices (National Averages):

  1. Mixed Breed – $26.77/ mo
  2. Labrador Retriever – $37.50/ mo
  3. Golden Retriever – $38.44/ mo
  4. German Shepherd – $40.62/ mo
  5. Goldendoodle – $33.26/ mo
  6. Chihuahua – $16.37/ mo
  7. Siberian Husky – $38.00/ mo
  8. Yorkshire Terrier – $23.62/ mo
  9. American Pit Bull Terrier – $39.93/ mo
  10. Australian Shepherd – $25.07/ mo
  11. Dachshund – $23.81/ mo
  12. Shih Tzu – $22.18/ mo
  13. French Bulldog – $50.77/ mo
  14. Boxer – $50.55/ mo
  15. Labradoodle – $32.92/ mo

Cat Insurance Prices (National Averages):

  1. Mixed Breed – $15.48/ mo
  2. Exotic – $18.96/ mo
  3. Ragdoll – $20.11/ mo
  4. British Shorthair – $18.96/ mo
  5. Persian – $20.11/ mo
  6. Maine Coon – $20.08/ mo
  7. American Shorthair – $18.95/ mo
  8. Scottish Fold – $20.11/ mo
  9. Siamese – $20.11/ mo
  10. Himalayan – $18.77/ mo
  11. Bombay – $18.95/ mo
  12. Bengal – $18.20/ mo
  13. Russian Blue – $19.01/ mo
  14. Abyssinian – $18.25/ mo
  15. Sphynx – $18.57/ mo

Not finding your specific breed? Lemonade pet insurance is our #1 recommendation and they’ll be able to give you a quick quote for your exact needs.

Pet Insurance FAQs

1. What is pet insurance and why is it useful?

Pet insurance is essentially health insurance for your dog or cat. If your furry friend happens to fall ill or have an accident you will typically be required to pay ahead of time and then submit a claim for reimbursement from your insurer. To fully protect your pet via insurance, you will need to sign up with an insurance company and pay a monthly premium to keep the policy active. One thing that is helpful to know is that insurance companies often like to exclude certain pre-existing conditions and that’s why we recommend getting pet insurance while your animal is in the puppy or kitten phase (after 8 weeks of age) or as soon as possible. I’ve heard countless stories about people with animals aged 6 years or older who later regret not getting insurance because it would have covered major illnesses later in their pet’s life.

Pet insurance is very useful across the US since vet bills can get astronomically high for therapies like cancer treatment that can cost well over $10,000. Many uninsured pet owners have to make the unfortunate decision to euthanize their animal because they simply can’t afford the cost of treatment. Insurance is there to help relieve the financial burden of expensive vet bills.

2. How old does my pet need to be to get insured?

Most pet insurance companies require your little buddy to be a minimum of 8-weeks-old before you can apply for insurance. However, the majority of providers do not have an age limit for when you can get pet insurance. Although, younger animals are typically much cheaper to insure and so we recommend you get your pet insurance before their first birthday but honestly, it’s beneficial at any age.

One exception to the rule is Pawp who protects up to 6 pets on one “Emergency Fund” regardless of their age for a flat fee of $19/ month. However, keep in mind, Pawp only covers true vet emergencies which have to be qualified first by their virtual vet team. Also note, their plan only covers one of your pets for one vet bill up to $3,000 once per year.

3. How worth it is to get pet insurance?

As I mentioned earlier, vet bills can quickly pile up for accidents and illnesses that are inevitable to occur in the life of your best friend. Many pet owners find that they end up spending $3,500 or more for an emergency vet visit at some point during the life of their pet. You need to decide whether paying the monthly insurance premiums is worth the mitigation of potential high out-of-pocket bills down the road. Vet prices vary depending on breed and state but in general, the prices are increasing annually.

4. What is covered and what’s excluded with pet insurance?

Coverage varies with each pet insurance provider but usually, any accident or illness will be covered unless it is specifically excluded. Typically, anything that is “sudden and catastrophic” will be covered. Think broken bones, eye infections, swallowing a ball, or accidentally eating chicken bones. An example of something that may not be covered is if your animal already has cancer when you apply for insurance then this would be a pre-existing condition that isn’t eligible for coverage. Many providers now offer “wellness” packages that are usually an add-on that covers things like vaccinations, routine check-ups, and heart-worm prevention, etc. Some policies even cover alternative treatments like acupuncture and massage.

5. How does reimbursement work?

Let’s say you have pet insurance with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Then imagine something happens that requires a $10,000 emergency vet surgery. In this scenario, your insurance company would reimburse you $9,000 minus your $250 deductible meaning that you would be out-of-pocket $1,250 instead of $10,000. One company that is an outlier is Trupanion who offers payment directly to vets who are in their network. This way, you won’t have to rely on reimbursements, but will instead receive a bill for the remaining balance owed.

6. Is it better to have a lower deductible – what’s the sweet spot?

A lower deductible means higher monthly payments. This means you will be spending more each month but you’ll be less out-of-pocket when there is a catastrophe or illness. You’re best to do the math based on your financial situation and be sure to utilize the easy-to-use calculator most carriers offer when getting a quote. From my experience, most people choose a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Pet Safe & Healthy

We believe that pet insurance is essential for providing your furry family member with the best odds for enjoying a long and healthy life. Regardless of your pet insurance status, nobody wants an avoidable emergency trip to the veterinarian. Especially not your little munchkin! Here are some simple but useful tips on how to keep your animal safe and healthy:

1. Keep them hydrated!

It’s one of the most basic things for health in any living organism yet is often overlooked. Always make sure there is a full bowl of freshwater accessible. Be sure to change the water several times per day and be extra vigilant when the weather is hot.

2. Be conscious of your local wildlife

Every state has its unique mix of flora and fauna. Common predators in North America include coyotes, foxes, mountain lions, snakes, raccoons, and bears. Each region will have its own special set of hazards. Additionally, remember small pests such as ticks can also pose major threats to your pet.

3. Get regular veterinary exams

Just like with humans, early detection of illness in animals is the smartest way for avoiding chronic disease. A licensed vet can often detect if something isn’t right with your dog or cat even before major symptoms are experienced. Also, don’t forget to get your vaccinations and medications such as heart-worm pills of which many insurance policies will cover.

4. Watch out for inclement weather

No matter which part of the country you live in, there can always be unexpected weather and natural disasters. From extreme cold to sweltering heat, tornadoes, hurricanes to wildfires and blizzards these are all situations that can be life-threatening to your four-legged pal. When venturing out, always check the weather beforehand to be sure that you’re prepared. One often overlooked example is when it’s moderately hot pavements can be well over 125 degrees which is easily hot enough to burn your pet’s paws.

5. Educate yourself on common pet allergies

Both dogs and cats are often allergic to certain foods. Many foods can also be toxic or poisonous for pets. These foods include but are not limited to pits of fruits like apricots and cherries, chocolate, coffee, alcohol, garlic, onions, dairy products, and raw/undercooked meat. It’s important that you also secure your trash so that your buddy doesn’t get access to the wrong foods even by accident.

Conclusion

Choosing the ideal pet insurance plan can be somewhat daunting. I hope that this guide has helped you make a more informed decision. Again, remember, the best time to get pet insurance is when your animal is young and the second-best time is right now. We’ve heard countless stories of people regretting not getting insured even when their animal is getting older.

After much deliberation and countless hours of research, we’ve consistently found Lemonade Pet Insurance offers the ideal combo of coverage and price. Regardless of who you decide to go with, I wish you and your furry friend all the best and years of health and happiness.

SwiftScore Ranking Methodology

We ranked the best pet insurance policies based on a variety of important factors including the following:

  • National average monthly price for a 2-year-old Labrador Retriever with a $500 deductible and this is how we calculate the “standard plan cost” shown above
  • Below are all the zip codes we used to get the national average prices for each pet insurance provider: AL (35206) | AK (99516) | AZ (85050) | AR (72205) | CA (90210) | CO (80238) | CT (06105) | DE (19904) | FL (33155) | GA (30331) | HI (96821) | ID (83712) | IL (60630) | IN (46229) | IA (50317) | KS (66109) | KY (40511) | LA (70112) | ME (04108) | MD (21209) | MA (02136) | MI (48201) | MN (55414) | MS (39211) | MO (63104) | MT (59101) | NE (68154) | NV (89117) | NH (03062) | NJ (07305) | NM (87120) | NY (10022) | NC (27603) | ND (58104) | OH (44102) | OK (73129) | OR (97229) | PA (19128) | RI (02909) | SC (29414) | SD (57108) | TN (38111) | TX (77054) | UT (84104) | VT (05408) | VA (23221) | WA (98108) | WV (25311) | WI (53225) | WY (82009)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews