2021 Best Pet Insurance In The Us

I’m sure you’ve all thought about it: is it worth it to buy pet insurance? In my personal experience with pets: it’s definitely worth the money! Pet insurance is just like health insurance for people, because it gives owners more financial support when they take their pets to the doctor. It’s well known that all kinds of medical expenses in the United States are absolutely sky-high without insurance.

This guide is for people who have decided to buy pet insurance and don’t know which to choose. This article will introduce several of the most popular pet insurance companies.

If you haven’t made the decision, it is recommended that you read the following article to get started with a basic introduction to pet insurance.

This article will explain some questions about whether it is worth buying pet insurance, what pet insurance is, and what are the specific items covered?

Pet insurance varies depending on the breed and age of the pet. The monthly premium is around $20. It’s recommended that you enter your pet’s basic information on the website and ask for a quote.


The following rankings are in no particular order

Healthy Paws|Top 1 Pet Insurance

Pets covered: Dogs & Cats | Ages 8 weeks to 14 years old
Policy Type: Accident + Sickness Insurance
Monthly premium: $15-$90
Coverage: 10%-40% co-pay
Waiting period: 15 days, 12 months for hip dysplasia
Coverage limits: No maximum

Healthy Paws offers only one pattern of insurance plan, Accident + Illness, which makes the process easier. It has regularly ranked #1 in the major pet insurance rankings for the past 10 years and has covered over 500,000 pets. There is no cap on coverage, and as long as your pet is not potentially ill prior to coverage, the bill is reimbursed for subsequent visits to any licensed vet clinic.

Although Healthy Paws only offers one type of insurance plan, it covers a wide range of conditions, including accidents, illnesses, cancer, emergency treatment, congenital genetic disorders, other treatments, and more. However, it is important to mention that the plan has a limited coverage for hip dysplasia, with a 12-month waiting period, and the pet must be under 6 years of age before purchasing the insurance, while all other genetic and congenital diseases are covered.


Embrace|The best accidental emergency treatment coverage

Pets covered: Dogs & Cats|Age 4 weeks or older, 14 years or older can only buy accident insurance
Policy type: Accident insurance, accident + sickness insurance
Monthly premium: $13-$100
Coverage: 10%, 20% or 30% co-pay
Deductibles: $200 minimum ($50 less every other year if no coverage for one year, zero deductible in as little as 4 years)
Waiting period: 14 days
Coverage: $5,000-$30,000
Discounts: 10% discount for multiple pets, 5% discount for military personnel

Embrace is the best choice for owners who only want to cover their pets in the event of an accident, and Embrace offers an accident insurance plan alone, as well as regular accident + sickness all-risk coverage. For any emergency treatment, Embrace covers it, and owners can send their pets to any licensed veterinary clinic for medical attention. Regardless of the policy purchased, benefits begin two days after purchase, and Embrace offers a 24/7 pet consultation service, which can be a real solution for budding poopers who have a sudden emergency and don’t know what to do.

After purchasing Embrace insurance, owners can bring their pets for a free pet check-up within 1 month. Embrace offers a 30-day no-obligation cancellation period, so owners don’t have to spend money if their pet is found to have an underlying condition that cannot be covered. If a congenital disease is not detected during the medical examination but is detected after the insurance is purchased, it will be covered.

Lastly, it is worth mentioning that Embrace does not offer a zero deductible plan, but if you don’t use your insurance for a year, you can offset your $50 deductible, and the minimum deductible for the Embrace family is $200 a year, so if you don’t use your insurance for four years in a row, you’ll have a zero deductible!


Prudent|Customizable Insurance Plan

Pets covered: Dogs & Cats|Age 8 weeks or older
Policy type: Accident, Accident + Sickness
Monthly premium: $10 per month for individual accident insurance, $16 per month for all risks
Coverage: 70%, 80% or 90%
Deductibles: $100-$500
Waiting period: 14 days; no waiting period for preventive treatment
Coverage limits: $2,500-$20,000 and unlimited

Prudent offers separate Accident, Accident + Sickness, and Premier coverage. Prudent offers 24/7 online phone consultation with a licensed veterinarian, fast claims processing through AI technology, and a 30-day unconditional cancellation refund.

Prudent covers genetic and congenital conditions, preventive and wellness treatments. Prudent pet insurance policyholders who refer a friend can receive a $15 Amazon gift card.


ASPCA|Best value for multi-pet families

Pets covered: Dogs & Cats|Age 8 weeks or older
Policy type: Accident, Accident + Sickness (Wellness rider available)
Monthly premium: $10 per month for individual accident insurance, $16 per month for all risks
Coverage ratio: 70%, 80% or 90%
Deductibles: $100-$500
Waiting period: 14 days
Coverage limits: $3,000-$10,000
Discounts: 10% off multi-pet plans

You may have heard of the ASPCA as a non-profit pet organization before, but the organization recently partnered with insurance company Crum & Forster to offer pet insurance for cats and dogs. The ASPCA’s pet insurance is perfect for families with multiple pets and offers a 10% discount for each additional pet subsequently added to the policy.

The ASPCA’s plans include separate accident and accident + sickness coverage, and depending on the pet’s condition, owners can also purchase Wellness riders, which cover preventive treatments such as vaccinations. The ASPCA accepts bills from all licensed vet clinics in the U.S. and Canada, and after taking your pet to the clinic, owners can take a picture of the bill and upload it through the ASPCA’s Pet Insurance App to receive a claim.


Figo|Care-based treatment is covered
Pets covered: Dogs & Cats|Age 8 weeks or older
Policy Type: Accident Insurance + Sickness Insurance
Monthly premium: $9-$135
Coverage ratio: 70%, 80%, 90% or 100%
Deductibles: $100-$1,500
Waiting period: 3 days for accident, 14 days for sickness (including hip dysplasia), 6 months for knee
Coverage: $5,000-$10,000, or unlimited

Figo’s pet insurance plans are arguably the most thoughtful, with a wide range of additional care-based treatments such as acupuncture and chiropractic care, which are rare in other pet insurance policies. Figo also works with all licensed vet clinics.

The only downside to Figo is that it does not cover the cost of pet exams and requires a rider, which means you pay more each month. If you are not satisfied with the plan, you can get an unconditional refund within 30 days.


PetFirst | The most extensive policy coverage in the United States

Pets covered:Dogs & Cats|Age 8 weeks or older
Policy Type: Accident + Sickness Insurance
Monthly premium: $16-$100+
Coverage ratio: 70%, 80%, 90%
Deductibles: $50-$500
Waiting period: Effective 1 day after enrollment; 14 days for illness
Coverage: $1,000-$20,000, or unlimited

PetFirst is one of the most thorough pet insurance companies, covering all 50 states, with no upper age limit for dogs and cats, and no breed restrictions. The policy does not cover underlying conditions, but genetic, chronic and congenital conditions are covered. Owners can add Optional Routine Care, an additional pet care policy that covers vaccines, physicals, flea and tick prevention, microchipping and behavioral training, as needed.

PetFirst’s pet insurance premiums are very cost-effective, ranging from as low as $9 per cat to as low as $15 per month for dogs, and owners can customize their policy to fit their pet’s situation.

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