Based on the availability of multi-pet discounts, prior client feedback, features provided, and simplicity of the online quote procedure, we researched and ranked the top 3 pet insurance providers for 2022.
Looking to protect yourself against major vet bills in case your pet becomes injured or sick?
The top 3 pet insurance solutions are shown below after our experts’ reviews of 3 pet insurance providers. Based on their competitive monthly costs, unique policy features, coverage options, and superior customer service than other industry players, we selected these pet insurance products.
1. Pumpkin Pet Insurance
Less than 2% of dogs and cats in the US have insurance, despite the fact that 61% of Americans don’t have enough cash to handle a $1k pet emergency. Pumpkin Pet Insurance offers comprehensive accident & illness coverage for every enrolled pet, regardless of age, breed, or condition, enabling families to say “yes” to the best, most cutting-edge veterinary care available.
✅ Best Overall pet insurance.
✅ When your pet is unwell or injured, Pumpkin Pet Insurance plans enable you to accept the best medical care and receive 90% cash back on approved vet expenditures.
✅ Preventive Essentials is a wellness bundle provided by Pumpkin. This benefit, which you can add to your plan as an option to earn reimbursements for routine care that veterinarians advise, is not insurance.
✅ With our quick and easy online claims process and our knowledgeable customer service team, Pumpkin makes life with dogs simpler and more convenient.
❎ No expensive insurance add-on fees : for key coverage benefits, like dental illnesses, behavioral issues, and sick visit exam fees.
❎ No per-condition deductible required : every time your pet has a new accident or illness.
❎ No confusing annual limit options : with very little guidance on what your pet actually needs.
❎ No lower reimbursement rate options for aging pets & certain breeds – everyone gets a 90% reimbursement rate on covered vet bills.
❎ No annual wellness exam, dental exam or vaccine requirements – to cover certain conditions.
❎ No upper age limits – for new enrollments or reduced coverage for aging pets.
❎ No 6-month or 1-year extended waiting period – for knee injuries or hip dysplasia.
2. ASPCA Pet Health Insurance
Plans are meticulously created and adhere to the ASPCA’s criteria for humane treatment. Additionally, by assisting pet owners in affording high-quality veterinary care so their animals can enjoy longer, healthier lives, our pet insurance supports the ASPCA’s goal.
It offers a 10% discount for each additional pet for each pet that you insure. To discover coverage that matches your budget, combine that discount with the flexibility to change your yearly limit, deductible, and reimbursement percentage. There are some policies that cover accidents exclusively.
✅ Best for Multiple Pets insurance.
✅ Affordable plan options including accident only & preventive care coverage.
✅ No risk with 30 day & 100% money back guarantee.
✅ Quick and simple claims.
✅ Affordable plans for a range of budgets.
✅ Trusted for more than 20 years.
3. Healthy Paws Pet Insurance
Healthy Paws is our pick for the best accident and illness coverage. Instead of being limited to in-network veterinarians, you are free to select any veterinarian or emergency room that you desire. There are no claim caps, yearly, lifetime, or per-incident compensation ceilings. Additionally, it provides speedy payment for vet expenditures, paying out 99% of claims in just two days.
Accidents, sickness, cancer, emergency care, genetic conditions, and alternative treatments are all covered by Healthy Paws plans. Cat and dog insurance plans start at $15 and $20 per month, respectively. Due to the low cost, preventative care, immunizations, and dental checkups are not covered by the insurance. Additionally, pets older than 8 years do have age limits, and those older than 6 years must undergo a physical examination in order to be approved. Healthy Paws donates to the medical expenses of a homeless animal for every pet insurance quote received.
✅ Over 570,000 pets insured.
✅ 1 Million plus claims covered in the last year.
✅ No maximum annual or lifetime payout.
✅ Use any U.S. licensed vet or emergency clinic.
What is pet insurance?
Because they bring happiness and friendship, pets are adored by their owners. The cost of treating a sick or injured pet, though, might be prohibitive. Buying pet insurance is one of the ways individuals try to lower the price of large vet bills.
Typically, pet insurance covers both severe costs for sickness and injuries as well as routine care costs like immunizations and wellness checks. What is covered by your policy depends on the insurer, the kind of coverage you buy, and the options you choose.
Why is purchasing pet insurance important?
People who are concerned about unforeseen veterinary costs should buy pet insurance. Although the majority of pet owners are able to pay for routine veterinary costs like checkups and vaccinations, the large fees that are incurred when something goes wrong can quickly strain their budget. The fear is removed by purchasing a pet insurance coverage because the majority of policies pay 90% or more of the covered checkups, treatments, and procedures.
When should you buy pet insurance?
When you attempt to purchase coverage following an injury or illness, it may be quite expensive, similar to the majority of insurance policies. Most of the time, your application won’t be accepted, and the illness or injury you’re wanting to have covered won’t be covered. It is essential to purchase pet insurance as soon as possible because of this. In the event of an emergency or illness, this will provide peace of mind and financial security for a set cost.
Additionally, after a pet reaches a particular age, some policies stop covering them. The likelihood that your pet’s insurance application will be approved will therefore be higher if you purchase pet insurance when they are young.
The pet insurance process and timeline
Most businesses offer immediate rates online for pet insurance after customers answer a few questions. You’ll accept the quote and submit payment to buy the policy once you’ve determined which options and policy are best for you.
Visit your qualified veterinarian to obtain care when your pet needs it. You may typically pick the veterinarian of your choice. You’ll need to pay the veterinary bill, then submit your receipts for reimbursement, as the majority of pet insurance plans reimburse you for qualified procedures. Following the processing of your claim, the insurance provider will give you a cheque for the covered services for your pet or make an electronic deposit into your bank.
Benefits of pet insurance
✅ Wellness visits and vaccinations covered.
✅ Protection in case of accident or illness.
✅ Converts an unknown expense into a fixed monthly cost.
✅ Allows you to focus on your pet’s health, not what the procedure will cost.
✅ Increases treatment options for your pet that are normally cost-prohibitive.
✅ Saves money on expensive treatments and follow-up care.
✅ Peace of mind knowing that a financial risk is covered.
✅ Helps you budget for the care of your pet.
✅ Keeps you from using savings or going into debt in case of emergency.
How to compare pet insurance providers
✅ What are the annual/monthly premiums?
✅ What discounts are available?
✅ Are there different plans available?
✅ Which optional add-ons are available?
✅ Can I visit any vet or do I have to stay within a network?
✅ Are wellness visits covered?
✅ Is preventative care included?
✅ Are annual screenings and vaccinations covered?
✅ Is there a deductible?
✅ What is the reimbursement percentage on approved claims?
✅ Are claims reimbursed or paid directly to the vet?
✅ Is there a waiting period for illness or injury?
✅ Are pre-existing conditions covered?
✅ If so, what is the waiting period?
✅ Is there an age limit on new policies or renewals?
✅ Are all breeds accepted for coverage?
✅ Do you offer a money-back guarantee? If so, for how long?
How much does pet insurance cost?
The cost of pet insurance varies according to the level of protection you choose and the advantages of the plan. Usually, the coverage is more extensive the greater the premiums are paid. With Pawp, an emergency-only policy costs just $24 per month, while GEICO Pet Insurance’s more comprehensive plans begin at just $1 per day.
Your premiums can be decreased, just like with other types of insurance, if you raise your deductible or are eligible for reductions.
Types of pet insurance
✅ Accident only.
✅ Accident & illness.
✅ Comprehensive coverage.
Is it worth it to get pet insurance?
For most pet owners, it is worth it to buy pet insurance. The insurance policy protects them against major vet bills and, if they buy a comprehensive policy, it also covers routine wellness visits, exams, and vaccinations in one easy monthly payment.
What is the cheapest pet insurance alternative?
The lowest-priced pet insurance alternative that we found was $24 per month from Pawp. This plan offers unlimited video chats with a veterinarian and includes a $3,000 emergency protection fund for your pet.
Does pet insurance cover routine vet visits?
Yes, depending upon the type of policy and options that you choose, your routine vet visits for checkups, vaccinations, and more are covered. This coverage is commonly referred to as a comprehensive pet insurance policy.
What is not covered by pet insurance?
While pet insurance frequently pays for illnesses, injuries, and wellness exams, it does not always. The majority of pet insurance policies do not pay for costs associated with pre-existing conditions in pets. Additionally, grooming, elective operations, and aesthetic surgeries (such clipping ears or docking tails) are frequently not covered. Depending on the insurer, genetic or congenital illnesses may also be excluded.