Best Pet Insurance_big_Top5

Top 5 Best Pet Insurance

Top 5 Overall Best Pet Insurances

In an industry as competitive as pet insurance every company has to provide competitive prices and quality service if they want to stay successful. Yet just like in every other field the cream eventually rises to the top and it becomes obvious which companies provide superior service.

Based on factors including but not limited to price, limits, add-ons, customer service and reputation, we have developed our list of the Top 5 Overall Best Pet Insurance. These companies offer great plans that will be guaranteed to put your heart at rest if your pet ever becomes sick or injured. Say goodbye to expensive vet bills and hello to the best choice you’ve ever made for your pets health.

These companies offer great plans that will be guaranteed to put your heart at rest if your pet ever becomes sick or injured. #pets #insurance #cats #dogs

We may earn money or products from the companies mentioned in this post. We appreciate it when you use our links, because the money we get allows us to continue to bring you high quality reviews.

Figo

Rating:

      9.3/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: 5 Days

Figo will reimburse up to 100% of your actual vet bill with unlimited coverage and no limits on claim payouts. They will also wave all deductables and co-pays when life saving measures are needed.

Figo offers affordable peace of mind to cat and dog owners, offering 100% reimbursement on actual veterinary charges with low annual deductibles starting at $50! They even cover exam fees, prescription drugs, and alternative therapies.

Their waiting periods are some of shortest in the industry with coverage for accidents starting 5 days after enrollment and coverage for illness starting 14 days after enrollment!  However both of these can be waived if you use a partner Veterinary, Shelter or Humane Society code when purchasing the policy, and your pet receives a wellness exam within 48 hours prior to purchase.

They also mention that they will review pre-existing conditions on a case by case basis, and may waive a pre-existing condition if they deem the condition was curable and it has not shown signs or symptoms in the prior 12 months.

A Few Details about this Insurer:

With Figo, an average quote for dogs would be: $21.04 - $25.07 and an average quote for cats would be: $11.34 - $12.18.

Our sample quotes are based on: 2 year old female mixed breed (medium dog or domestic short-hair cat) from Minnesota with $200 deductable, 80% reimbursement and $10,000 annual limit.

Covered Animals: Dogs, Cats

Annual Deductibles: $50, $100, $200, $500 Per Incidence Limits: No Limits Type of Deductable: Annual
Co-Pay Coverage: 70%, 80%, 90%, 100% Annual Claims Limits: $10,000, $14,000, No Limits Money Back Guarantee: 30 Days
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: no limits Multiple Pet Discount: 10%
Maximum Enrollment Age: None Effective Date: 12:01am (EST) the day after enrollment Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes Wellness Coverage: No No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes Alternative Therapies: Yes Prescription Drug Coverage: Yes

Wish You Could Have Easy Online Access to Your Pet’s Medical Records?   No problem with Figo’s Pet Cloud, all their records, medical history, and insurance claims are in the cloud and easily accessed anytime, from anywhere using any computer or mobile device!

Pet First

Rating:

      8.4/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: None

Excellent coverage, great rates and ideal for multi-pet households.  Combine that with the lowest waiting periods in the industry and Petfirst is a top Pet Insurer.

PetFirst provides everything you could possibly want in insurance for your cat or dog. They have no lifetime limits, low monthly premiums, and great add-on packages that cover wellness and vaccinations. One of their most attractive offers that separates them from other companies is a family package that allows customers to save up to 30% when they register 2 or more pets.

They have no customary charge restrictions, and they offer coverage for exam fees where many other providers don’t.

Their waiting periods are the shortest in the industry with coverage for accidents starting at midnight on the day of enrollment and coverage for illness starting 14 days after enrollment! Coverage for congenital/hereditary conditions starts 12 months after enrollment.

A Few Details about this Insurer:

With PetFirst, an average quote for dogs would be: $28 to $36 per month and an average quote for cats would be: $18 per month.

Our sample quotes are based on: 2 yr old female medium sized mixed breed dog from Minnesota or 2 yr old female domestic short-haired cat from Minnesota with $250 per incident deductible, 80% reimbursement, and $5,000 annual limit. .

Covered Animals: Dogs, Cats

Per Incident Deductibles: $50, $100, $250, $500 Per Incidence Limits: On Wellness Plans Only Type of Deductable: Incident
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: $2,000, $5,000 Money Back Guarantee: 14 Days
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: no limits Multiple Pet Discount: 5% for 2nd pet and 10% for 3rd and subsequent
Maximum Enrollment Age: None Effective Date: Midnight (EST) after enrollment Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes Wellness Coverage: Add-on No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes Alternative Therapies: Yes, Including Holistic Prescription Drug Coverage: Yes

Are you a believer in Holistic and Alternative Therapies?   No problem with PetFirst, they’re also believers!  PetFirst has you covered!

Embrace

Rating:

      8.4/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: None

With Embrace you get premium pet insurance, with great customer service all at an affordable price.

Embrace offers comprehensive coverage for cats and dogs including hereditary and congenital conditions, with a wellness add-on that has no deductibles, co-pays or per item limits. Embrace’s Wellness Rewards program works similar to a health savings account, and give you FREE money for being pro-active about your pet’s care.

They do have an upper age limit for new enrollments, however of 14 years for both cats and dogs.

Their waiting periods are some of the lowest available, with 14 days for illness and 1 day for accidents.

A Few Details about this Insurer:

With Embrace, an average quote for dogs would be: $32 per month and an average quote for cats would be: $20 per month.

Our sample quotes are based on: 2 year old mixed breed spayed female, with $5,000 annual limit, $200 deductible, and 80% reimbursement level.

Covered Animals: Dogs, Cats

Annual Deductibles: $200, $300, $500, $1000 Per Incidence Limits: No Limits Type of Deductable: Annual
Co-Pay Coverage: 65%, 80%, 90% Annual Claims Limits: $5,000, $10,000, $15,000 Money Back Guarantee: 30 Days
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: no limits Multiple Pet Discount: 5%
Maximum Enrollment Age: 14 Years Effective Date: Day after purchase Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes Wellness Coverage: Add-on No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes Alternative Therapies: Yes Prescription Drug Coverage: Add-on

Looking for Wellness Coverage with no per item limits, no co-pays or deductibles? Look no further, Embrace is the only provider to provide this type of wellness coverage.

PetsBest

Rating:

      8.3/10

Waiting Period – Illness: 14 DaysWaiting Period – Accidents: 3 Days

Pets Best offers 3 levels of accident and illness coverage, as well as flat rate accident only coverage, and wellness add-ons at two levels of coverage. They provide affordable coverage for dogs and ...

Achieving the prestigious ranking of Best Overall Pet Insurance is the wonderful PetsBest. They provide everything an owner could hope for in pet insurance. Their customer service is second to none, they have a fantastic add-on, and a great reputation as an industry leader. With PetsBest, your pet will have coverage from just about every accident or illness there is.

PetsBest gives you the option of 5 deductible amounts and 4 reimbursement levels, including 100%. How great would it feel to never have to pay for vet treatment again?

A Few Details about this Insurer:

With Figo, an average quote for dogs would be: $17 to $23 per month and an average quote for cats would be: $10 to $14 per month.

Our sample quotes are based on: 2 year old mixed breed female from MN with a $200 deductible and 80% reimbursement level..

Covered Animals: Dogs, Cats

Annual Deductibles: $50, $100, $200, $250, $1000 Per Incidence Limits: No Limits, On Wellness Plans Only Type of Deductable: Annual
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: $2,500, $5,000, $10,000, No Limits Money Back Guarantee: 30 Days
Minimum Enrollment Age: 7 Weeks LifeTime Claims Limits: no limits Multiple Pet Discount: 5%
Maximum Enrollment Age: None Effective Date: The day after purchase. Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Only on Plus and Elite Plans Wellness Coverage: Add-on No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes - only specific states Alternative Therapies: Rehabilitative, Acupuncture & Chiropractic Coverage Prescription Drug Coverage: Approved List Only

Are you a globe trotter? PetsBest provides global coverage and allows owners to go to any licenced veterinarian in the world. Perfect for travel lovers.

PetPlan

Rating:

      8.2/10

Waiting Period – Illness: 15 DaysWaiting Period – Accidents: 5 Days

Cover your pup with Petplan today and get a free Barkbox! Use code BARKBOX Offer valid on new policies only for a limited time only. Policy must be active for 30 days to be eligible to receive the ...

$33.00

Competitive prices, short waiting times, high limits, and a great reputation. PetPlan is everything you wish pet insurance could be. With truly customizable plans that can be made to fit the needs of every pet owner, PetPlan is the ideal insurance for those who want to have it all.

PetPlan offers 3 levels of plans with increasing coverage for reasonable prices. However just like HealthyPaws, they do not allow any optional add-ons that cover wellness and routine care, which limits their ranking on this list. Don’t allow this to deter you though, because PetPlan more than makes up for this deficiency in all their other services.

A Few Details about this Insurer:

With PetPlan, an average quote for dogs would be: $20 to $73 per month and an average quote for cats would be: $20 to $36 per month.

Our sample quotes are based on: 2 year old mixed breed from Minnesota, with $200 deductible and 80% reimbursement level and a $15,000 annual limit.

Covered Animals: Dogs, Cats

Annual Deductibles: $100, $125, $150, $175, $200, $225, $250, $300, $500, $1000 Per Incidence Limits: No Limits Type of Deductable: Annual
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits Money Back Guarantee: 30 Days
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: no limits Multiple Pet Discount: None
Maximum Enrollment Age: None Effective Date: Day after purchase. Reimbursement Based on: Actual Veterinary Charges
Exam Fees Covered: Yes Wellness Coverage: No No Precoverage Exam Required:
Hereditary/Congenital Conditions Covered: Yes - if not pre-existing condition Alternative Therapies: Yes Prescription Drug Coverage: Yes

Do you like discounts? PetPlan offers a 5% discount for enrolling online, but also offer a 10% discount for any active or retired member of the Armed Forces, or a 15% discount to veterinary professionals, or a 10% discount for medical services dogs, and an automatic 10% discount for any pet you enroll after the first one.

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