Join the millions that have trusted BuyersGuide.org's expert reviews and data-driven recommendations. Our curated list of pet insurance providers includes options for dogs and cats of all breeds and ages and with prices that will fit any budget.

Best Pet Insurance - 2024 Buyer's Guide Updated February 2024

Join the millions that have trusted BuyersGuide.org's expert reviews and data-driven recommendations. Our curated list of pet insurance providers includes options for dogs and cats of all breeds and ages and with prices that will fit any budget.

10.0

1

10.0

226 people chose ASPCA Pet Insurance this week!
Save 10% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 8 weeks and up
  • Price: From $12/month
  • Deductible: $100 - $500
  • Annual Limit: Unlimited
  • Reimbursement: 90% via check or direct deposit
226 people chose ASPCA Pet Insurance this week!

10.0

1

10.0

226 people chose ASPCA Pet Insurance this week!
Save 10% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 8 weeks and up
  • Price: From $12/month
  • Deductible: $100 - $500
  • Annual Limit: Unlimited
  • Reimbursement: 90% via check or direct deposit
226 people chose ASPCA Pet Insurance this week!

9.8

2

9.8

Save 10% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care, Therapy
  • Age Range: 8 weeks and up
  • Price: From $16/month
  • Deductible: $100 - $1000
  • Annual Limit: Unlimited
  • Reimbursement: 90% via check or direct deposit

9.8

2

9.8

Save 10% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care, Therapy
  • Age Range: 8 weeks and up
  • Price: From $16/month
  • Deductible: $100 - $1000
  • Annual Limit: Unlimited
  • Reimbursement: 90% via check or direct deposit

9.5

3

9.5

Save 10% with 2 or More Insured Pets
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 6 weeks to 14 years
  • Deductible: $200 - $1000
  • Annual Limit: $30,000
  • Reimbursement: 90% via direct deposit or check

9.5

3

9.5

Save 10% with 2 or More Insured Pets
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 6 weeks to 14 years
  • Deductible: $200 - $1000
  • Annual Limit: $30,000
  • Reimbursement: 90% via direct deposit or check

8.7

4

8.7

Save 5% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care, Prescriptions
  • Age Range: 8 weeks and up
  • Price: From $10/month
  • Deductible: $100 - $500
  • Annual Limit: $100,000
  • Reimbursement: 90% via direct deposit

8.7

4

8.7

Save 5% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care, Prescriptions
  • Age Range: 8 weeks and up
  • Price: From $10/month
  • Deductible: $100 - $500
  • Annual Limit: $100,000
  • Reimbursement: 90% via direct deposit

8.5

5

8.5

$1,000 in Online Vet Visits Included- No Extra Cost
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 6 weeks and up
  • Price: From $25/month
  • Deductible: $300 - $700
  • Annual Limit: $15,000
  • Reimbursement: 90% via direct deposit

8.5

5

8.5

$1,000 in Online Vet Visits Included- No Extra Cost
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 6 weeks and up
  • Price: From $25/month
  • Deductible: $300 - $700
  • Annual Limit: $15,000
  • Reimbursement: 90% via direct deposit

8.1

6

8.1

  • Coverage: Accident, Illness, Preventive Care, Prescriptions
  • Age Range: 8 weeks to 15 years
  • Price: From $39/month
  • Deductible: $200 - $500
  • Annual Limit: $25,000
  • Reimbursement: 90% via direct deposit

8.1

6

8.1

  • Coverage: Accident, Illness, Preventive Care, Prescriptions
  • Age Range: 8 weeks to 15 years
  • Price: From $39/month
  • Deductible: $200 - $500
  • Annual Limit: $25,000
  • Reimbursement: 90% via direct deposit

Our Top Choice

10.0

1

10.0

226 people chose ASPCA Pet Insurance this week!
Save 10% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 8 weeks and up
  • Price: From $12/month
  • Deductible: $100 - $500
  • Annual Limit: Unlimited
  • Reimbursement: 90% via check or direct deposit
226 people chose ASPCA Pet Insurance this week!

10.0

1

10.0

226 people chose ASPCA Pet Insurance this week!
Save 10% for Eligible Multiple Pets
  • Coverage: Accident, Illness, Preventive Care
  • Age Range: 8 weeks and up
  • Price: From $12/month
  • Deductible: $100 - $500
  • Annual Limit: Unlimited
  • Reimbursement: 90% via check or direct deposit
226 people chose ASPCA Pet Insurance this week!

Compare Features

Reimbursement
Best Overall
1.
2.
Best for Cats
3.
4.
5.
6.
Deal
Save 10% for Eligible Multiple Pets Save 10% for Eligible Multiple Pets Save 10% with 2 or More Insured Pets Save 5% for Eligible Multiple Pets $1,000 in Online Vet Visits Included- No Extra Cost
Deal Save 10% for Eligible Multiple Pets Save 10% for Eligible Multiple Pets Save 10% with 2 or More Insured Pets Save 5% for Eligible Multiple Pets $1,000 in Online Vet Visits Included- No Extra Cost
Coverage
Accident, Illness, Preventive Care Accident, Illness, Preventive Care, Therapy Accident, Illness, Preventive Care Accident, Illness, Preventive Care, Prescriptions Accident, Illness, Preventive Care Accident, Illness, Preventive Care, Prescriptions
Coverage
Accident, Illness, Preventive Care Accident, Illness, Preventive Care, Therapy Accident, Illness, Preventive Care Accident, Illness, Preventive Care, Prescriptions Accident, Illness, Preventive Care Accident, Illness, Preventive Care, Prescriptions
Age Range
8 weeks and up 8 weeks and up 6 weeks to 14 years 8 weeks and up 6 weeks and up 8 weeks to 15 years
Age Range
8 weeks and up 8 weeks and up 6 weeks to 14 years 8 weeks and up 6 weeks and up 8 weeks to 15 years
Price
From $12/month From $16/month From $10/month From $25/month From $39/month
Price
From $12/month From $16/month From $10/month From $25/month From $39/month
Deductible
$100 - $500 $100 - $1000 $200 - $1000 $100 - $500 $300 - $700 $200 - $500
Deductible
$100 - $500 $100 - $1000 $200 - $1000 $100 - $500 $300 - $700 $200 - $500
Annual Limit
Unlimited Unlimited $30,000 $100,000 $15,000 $25,000
Annual Limit
Unlimited Unlimited $30,000 $100,000 $15,000 $25,000
Reimbursement
90% via check or direct deposit 90% via check or direct deposit 90% via direct deposit or check 90% via direct deposit 90% via direct deposit 90% via direct deposit
Reimbursement
90% via check or direct deposit 90% via check or direct deposit 90% via direct deposit or check 90% via direct deposit 90% via direct deposit 90% via direct deposit

Pet Insurance Buyer's Guide

Pet insurance is a health care policy that’s specifically designed to provide you reimbursement for any health expenses that are covered by the policy that you’ve chosen for your pet. A pet insurance policy will pay a portion or the entire cost of your pet’s medical bills depending on the coverage you’ve selected. A pet insurance policy is an easy way to manage your bills so that you don’t find yourself in a situation where you’re forced to spend more money than you can afford, simply to provide your pet the care that they need. 

Visit our overall top pick for Pet Insurance, ASPCA Pet Insurance.

Our Top 3 Pet Insurance Picks


1. ASPCA Pet Insurance - 10.0

ASPCA Pet Health Insurance provides you with a highly versatile, surefire way to keep your pets protected with coverage that allows you to take your dog or cat to any veterinarian in the United States. What's more is that ASPCA Pet Health Insurance has a max annual coverage of $10,000, which is higher than most of their competitors. Read our full ASPCA Pet Insurance review.


2. Spot Pet Insurance - 9.8

Spot Pet Insurance operates as a reimbursement type of coverage that can work with any veterinarian. Spot offers an impressive level of customizability and flexibility when it comes to prices on their plans. As a pet parent, you’ll be able to choose from two plans with choices of six annual limits, five annual deductibles, and three reimbursement rates. This ultimately ensures that you only pay for the services that your pet needs. Read our full Spot Pet Insurance review.


3. Embrace - 9.5

Embrace pet insurance takes the guesswork out of protecting your pet. Your pet is family and no matter what happens you want to be there for them. In an emergency, the last thing you should worry about is finances, so Embrace Pet Insurance works hard to cover costs while you focus on what's important. Rated A+ by the Better Business Bureau, Embrace is a comprehensive insurance plan designed with your pet in mind. With its personalized policies, you can decide what's right for you and your family while your pet receives some of the best coverage on the market. Ready to see what Embrace has to offer? Get started with a free, online quote that gets your pet covered in a few business days.  Read our full Embrace review.

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