Obtaining an insurance policy for your pet is a surefire way to lower the vet bill throughout their lifespan. However, it's hard to know which pet insurance companies are the best for your needs. Examining the pet insurance policies offered by providers ultimately shows that there are several options for insurance coverage that can provide pet parents with much-needed peace of mind.

Which Company Offers the Best Pet Insurance?

Pet insurance works much like human health insurance in the United States. There are some brands that offer better wellness coverage and others that cover more unique disorders like hip dysplasia. It's up to the owners to look at their pet's pre-existing conditions, number of required vet visits, and coverage options before signing up.

Whether pet owners want pet insurance plans for routine care or insurance coverage for chronic conditions, they have several options available to them. It can take some time to look at all the available pet health insurance companies, so we've decided to look at some of the best options on the market and demonstrate why they are worth it to owners. While these different companies have unique takes on vet care, it's worth looking at them because they're often considered the best pet insurance companies.


Wagmo is a pet insurance company that is noteworthy for its ability to help people seek pet wellness plans separate from their insurance. Furthermore, the company provides nationwide coverage and allows for add ons to the plan as they're needed. The reimbursement payments are another highlight of this coverage; they're paid out in multiple convenient ways. Whether a customer is looking for preventative care options for their pet insurance or comprehensive coverage, they'd do well to get a quote from this company beforehand.


Like many pet insurers, Trupanion offers various levels of coverage options. The company has a lifetime per condition deductible. That means the owner must only meet the annual deductible for the first time the issue is diagnosed, and then the owner is reimbursed. This is great for hereditary conditions. This is a unique deductible option that saves pet owners money.

Healthy Paws Pet Insurance

With a decade of being rated as a top pet insurance provider, Healthy Paws is known for its fast signup process and ease with which coverage can be activated for medical care. They don't have as many levels of coverage available, though.  Customer reviews highlight the usefulness of the pet insurance with regards to checkups and wellness care.

Figo Pet Insurance

Figo pet insurance is making a splash in the world of annual benefits for pets. Not only is there a 'one annual deductible' option, but this insurance policy also has variable levels of complete coverage available for their clients. The comprehensive coverage can help with illness coverage to more difficult veterinary care.

Embrace Pet Insurance

Embrace Pet Insurance offers customers various customized levels of coverage that can reduce one's monthly premium to a manageable level. The brand features many options for everything from wellness plans and general health care to emergency care. However, these insurance providers are not known for being particularly useful for exotic pet owners or people that require illness coverage for their senior pets.

Ultimately, it's up to the pet parents to determine what they need from their pet insurance companies before they get a quote. It's important to look at annual limits on co-pays, the treatment of congenital conditions, and the length of the waiting period before signing up with any insurance company. By doing proper research, it's clear that some companies, such as Wagmo, provide insurance that works for pet needs as well as those of the pet parents.