Top Pet Insurance Companies: October 2021 - Compare & Review

Pet insurance covers qualifying medical costs for insured pets. Dogs, cats, and other animals can be covered by pet insurance, and policies might pay for accidents, illnesses, and routine care. Insurers generally reimburse pet owners directly for eligible veterinary bills after an animal receives treatment, though they may also pay the vet directly.

To find the right coverage for your furry or feathered family member, check out some of the best pet insurance companies and what they excel at.

In this article

• The best pet insurance companies of 2021
• How does pet insurance work?
• How to pick the best pet insurance company
• Our methodology
• FAQ
• Bottom line

The best pet insurance companies of 2021

Pet insurance policies may cover different things, depending on the insurer. Here are some of the best options:

• Best for no lifetime limits: Healthy Paws
• Best for vanishing deductibles: Embrace
• Best for exotic pets: Nationwide
• Best for behavioral issues: ASPCA Pet Health Insurance
• Best for older pets: Figo
• Best for paying the vet directly: Pets Best

Best for no lifetime limits: Healthy Paws Pet Insurance

When a pet has a chronic or recurrent condition, you don't want to worry about maxing out your insurance coverage. With Healthy Paws, this isn't a concern. Unlike some companies that impose strict limits on the amount of care they'll cover for specific medical problems, Healthy Paws doesn't impose a per-incident cap, annual cap, or lifetime cap.

Healthy Paws does have some of the same coverage exclusions as other pet insurers. For instance, you might not be able to get coverage if your pet has a pre-existing condition, and your pet probably won’t be covered for conditions that develop within the policy waiting period.

But Healthy Paws generally pays for hereditary and congenital conditions as long as symptoms manifest before your pet became insured. The insurer's willingness to provide this protection sets it apart from some competitors that exclude hereditary problems or medical issues pets are born with.

Visit Healthy Paws Pet Insurance
...Or check out our Healthy Paws Pet Insurance review