5 Best Pet Insurance Companies In The U.S. (2023)

Today, most households have furry companions that are considered and treated as full-fledged family members. However, raising a pet is not easy on the pocket, as it involves a lot of expenses, such as food, accessories, grooming supplies, vaccines, and medications. Not to forget the constant increase in veterinary costs due to the usage of expensive medical methods and drugs.

In such a scenario, does a pet parent need to take insurance for their furry companion to protect against unexpected veterinary bills? The answer is Yes!! Pet insurance can give you peace of mind and financial protection and help you cover unexpected veterinary expenses, such as accidents, chronic illnesses, or injuries.

Just like human health insurance, the purpose of pet insurance is to cover veterinary treatment for your pet, in part or total, depending on the policy terms. Besides this, it ensures quality healthcare for your fur babies, saves money and helps with expensive treatments.

In this article, we provide our top 5 picks for best pet insurance companies in the U.S. (2023) based on their policy coverage, time taken for reimbursement, deductibles, reimbursement rates, coverage limits, timeliness of claim payment, policy price, plan customization, and more.


1. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance plans offer coverage for your pets in case of accidents, illnesses, hereditary conditions, dental disease, behavioral issues, and alternative therapy. Their insurance coverage also includes exam fees and costs of diagnostics and treatment.

You can visit their site here for more information about ASPCA’s pet insurance plans.

2. Figo Health Insurance

Figo Health Insurance covers all the basics, like surgery, accidents, illnesses, accidental injuries, hereditary conditions, chronic conditions, and congenital conditions. In addition, Figo also covers unexpected or emergency vet visits, MRIs, x-rays, ultrasounds, cancer treatment, knee conditions, alternative and holistic therapies, prosthetics, and veterinary specialists.

You can visit their site here for more information about Figo’s pet insurance plans.

3. Pets Best Pet Insurance

Pets’ Best pet insurance plans for dogs and cats cover accidents, illnesses, surgeries, cancer, and much more. They also offer wellness coverage for routine care, specialized coverage plans, and visit to any licensed veterinarian. In addition, it provides inexpensive insurance coverage for pet parents.

You can visit their site here for more information about Pets’ Best pet insurance plans.

4. Healthy Paws Pet Insurance

Healthy Paws Pet Insurance coverage includes accidents, illnesses, cancer, emergency care, genetic and hereditary conditions, breed-specific conditions, and alternative care.

You can visit their site here for more information about Healthy Paws pet insurance plans.

5. Trupanion

Trupanion covers injuries and illnesses, including hereditary conditions and congenital conditions. Medical coverage includes testing, surgeries, hospital stays, medications, vet visits, prosthetics, alternative treatments, dental illnesses, prescription food, and other needs.

You can visit their site here for more information about Trupanion pet insurance plans.


While we have provided our top 5 picks for pet insurance companies based on their features, we suggest you do your own research and select the best plan that suits your fur baby based on your pet’s breed-specific health risks, estimated lifetime costs, and your budget.

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