The Best Pet Health Insurance Plans With Top 5 Greatest Companies

Having pet insurance is one method of bringing financial stability to your home. It protects you from having to pay the full amount of unexpected vet costs if your pet is harmed or becomes unwell. According to a Forbes Advisor poll, the majority of dog owners believe that even relatively small payments to the veterinarian should be prohibitive.

While all pet insurance policies cover the same things, such as injuries, and genetic and congenital disorders, there are differences in benefits, costs, and extras… We looked at 5 different plans to discover the best pet health insurance plans.

The List Of The Best Pet Health Insurance Plans

AKC Pet Insurance

We chose AKC as the best pre-existing condition pet insurance provider because it is the only one that covers diseases and injuries experienced before the policy’s effective date or during the waiting period.

The American Kennel Club’s (AKC) pet insurance policy provides exceptional pre-existing condition coverage. To qualify, the policy must be active for 365 days. Any previously excluded pre-existing condition will be completely covered after the waiting period expires and the policy renews.

You can also pay extra for preventative care, end-of-life expenditures, veterinary exam fees, behavioral treatment, genetic and congenital disorders, and breeding concerns.

Pet owners should be aware that the AKC’s coverage has some limits. There is no coverage for oral diseases, and hereditary and congenital problems are not covered unless the HereditaryPlus rider is purchased. Residents of Florida, California, and Washington must enroll their pet before its second birthday to be eligible for this add-on.

Pumpkin Pet Insurance

Pumpkin is our recommendation for the best Best Pet Health Insurance Plans for puppies and kittens because it offers so much for a low price. It offers comprehensive coverage and uninsured preventive care alternatives geared toward young animals at a reasonable cost.

Pumpkin offers low-cost Best Pet Health Insurance Plans with the option to add preventive care plans for small dogs and cats that are not covered by basic insurance. Preventive care packages for pups, for example, include an annual wellness charge, four puppy vaccines, and one yearly stool test.

Pumpkin will also pay for up to four vaccinations your puppy may have had before being covered under the preventive plan, as well as a lab test for parasites.

However, Pumpkin Preventive does not offer tooth cleaning or extraction/castration surgery, and it does not pay you if you purchase a separate wellness package (unlike other organizations).


Embrace covers your pet’s veterinary treatment outside of the country for up to six months if provided by a certified veterinarian. This is unusual, as other companies only cover claims if care was provided by a veterinarian licensed in the United States or Canada.

Another advantage of Embrace pet insurance is that its deductibles are decreasing. Embrace will reduce your annual deductible by $50 for each year you do not receive the required reimbursement.

All plans include a 30-day money-back guarantee or a prorated refund if a claim is submitted within that period.

As a separate coverage, Embrace offers no health benefits. Instead, pet owners can enroll in the Health Rewards program and donate a certain amount to help with preventive care costs. Since unused funds are not carried over to the next year, make sure your annual payments correspond to the projected amount of preventive care.

Embrace is also one of the Best Pet Health Insurance Plans behind USAA Pet Insurance, a members-only policy. Military, veterans, and eligible families receive a 25% discount on all Embrace pet insurance benefits.

Figo Pet Insurance

With a 100% refund option, Figo allows pet owners to reduce their copay to 0%. (The lowest copay offered by other insurance is typically 10%.)

Be prepared to pay a higher-than-average rate for insurance that offers 0% copay, unlimited payout benefits, or both. Figo also has tight restrictions on coverage for genetic diseases including hyperthyroidism, kidney failure, and intervertebral disc disease (IVDD).

Furthermore, benefits such as exam fee reimbursement and physical therapy are only offered as an additional passenger even though other carriers include these benefits in their base insurance.

The Figo Pet Cloud app includes extensive mobile support. You can use this app to call a licensed veterinarian 24 hours a day, maintain your pet’s insurance documents, and make payments, among other things.

Lemonade Pet Insurance

Lemonade was chosen as one of the best pet health insurance plans for quick claims. The startup employs cutting-edge, AI-powered processing that promises to deliver claims swiftly via the Lemonade app. Many pet owners may be interested in the possibility to donate a portion of the company’s profits to a charity of their choosing.

The accident and sickness coverage from Lemonade includes diagnoses, treatments, and drugs for covered ailments. Vet visit costs, dental diseases, end-of-life treatments, acupuncture, and chiropractic therapy are excluded from the standard coverage (which may result in reduced rates), but these benefits can be added as riders if they are offered in your state.

A preventative care rider, which reimburses the cost of yearly exams, immunizations, and parasite screening, may be added to pet insurance policies.

Lemonade is now accessible in 38 states, but you may sign up for updates on the company’s website. However, visitors may find Lemonade’s website difficult to use. To obtain a quotation, you must provide a great deal of information that other insurers do not demand. Talking with a live agent through chat is also not feasible if you have queries that the automated chat cannot address.


Finding the best and right pet health insurance plans for you can be difficult with so many options. However, whether you want cheap monthly premiums, quick claims, or the most comprehensive health care package, our list has the pet insurance company for you.

We recommend getting three estimates from at least three companies to make sure you hit your goals when looking for pet insurance. This makes it easy to compare coverage, perks, and costs.

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