Best Pet Insurance - 2018

We all love our pets and want to take the best care we can of them. But sometimes trips to the vet can add up to a lot more than we planned. Pet insurance has become more and more popular and is actually not that expensive when you consider the high costs of visits to the vet and in particular if your companion has to be hospitalized.

We researched over 20 different companies offering pet insurance and came up with 12 that are worth a closer look, with Figo Pet Insurance leading the pack as Editor's Choice because of their affordable plans, short waiting periods, Pet Cloud, and outstanding customer service.

— Our Top 5 Best Pet Insurance Providers —

Check out all our Pet Insurance Reviews and use our filtering and sorting features to narrow down the providers that best suite your needs!

— Best Pet Insurance Providers By Feature or Factor —

— Featured Articles —

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— Compare Pet Insurance Providers —

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— How We Chose The Best Pet Insurance Providers —

While researching and reviewing each merchant we developed specific criteria to base our scores on.  Below are the features we felt mattered the most.

Plans and Pricing
  • What plans are available and their monthly/annual price.
  • Number of plans to choose from and if there are additional plans or add-on services to customize your pet insurance.
  • Reimbursement level on those plans and any additional unique plans offered.

Availability/Exclusions
  • Where can you use your insurance?
  • Are you limited to just the United States or your home state?
  • Can you take your pet to a therapist or specialist or will you need pre-authorization?
  • Can you use clinics or must you go to a licensed veterinarian facility?

Payouts/Limits
  • Are there lifetime limits within a plan – if so, how much?
  • What are the annual limits – you can list averages

Ease of Enrollment
  • What is the process for enrolling your pet?
  • Can it be done online or will you need to contact the company directly?
  • After you apply, how quickly does your plan go into effect (sch as 24 hours or the same day).

Waiting Period
  • How long you must wait before you can file/collect on a claim.
  • Any problems that may be considered “pre-existing” and if there are special wait periods for pre-existing or other conditions.

Customer Service
  • How can you reach customer service?
  • Are their phone #'s readily available?
  • Do they have FAQs or tutorials online to give you additional information?
  • Do they have a 24/7 chatline?
  • How is their Customer Service?

Claims/Deductibles
  • What is your deductible and what plans do those deductibles apply to?
  • How quickly are claims resolved? 

Extras
  • Are there extras such as prenatal care, dental or wellness add-ons?
  • Discuss anything that is covered outside of the usual pet insurance.

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