The Top 10 best Pet Insurances

The one thing pet owners fear the most, is losing their dog. However, there is a way to having your dog safe and protected. For peace of mind use a Pet Insurance.

Our Top 3 Dog Insurers

Dog Insurance	Get your Plan?	Maximum annual coverage	Reimbursement choices	Deductibles choices
Pets Best	Read The Review	$5,000 or Unlimited	70%, 80%, 90%	$50 - $1,000
ASPCA	Read The Review	$3,000 - $10,000	70%, 80% or 90%	$100 - $500
Embrace	Read The Review	$5,000 - $30,000	70, 80 or 90%	$200 - $1,000

Coverage, reimbursement and deductibles

Annual Reimbursement Limit – This is the maximal yearly amount that the insurance will pay you, from a few thousand US$ to unlimited coverage.

Annual Deductible – This is the yearly amount that you choose to pay yourself, i.e. before your insurance reimburses you for vet and hospital costs. Only once you have paid your chosen annual deductible will the insurance start paying.

Reimbursement Percentage – This is your chosen reimbursement percentage of what is left of the bill once you have reached your “annual deductible”. Dog insurances mostly offer the choice of 70%, 80% and 90%.

Top 3 shortest waiting period

Dog Insurance	Get Your Plan	Accident wating period	Illness waiting period
Embrace	Read the Review	2 days	14 days
Lemonade	Read the Review	2 days	14 days
Pets Best	Read the Review	3 days	14 days

Discounts

Some dog insurances will offer discounts of between 5% and 10% for any additional vet that you insure with them. Some insurances may also offer a discount if your vet is chipped.

Furthermore, a few pet insurances offer discounts for:

Multipet – if more than one dog is covered by the same insurance.

Spay/Neuter – if you dog is already spayed/neutered.

Annual pay discount – paying your annual payment t once.

Military discount – Sometimes insurers offer discounts for those who served.

Employee discount – some employers offer 5% to 10% off your pet insurance.

Compare Plans

	Embrace	ASPCA	Nationwide	Lemonade	Prudent	EUSOH	Hartville	Healthy Paws	Pets Best
Illness & Accident Plans	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
24/7 Live Vet Chat / Healthline	Yes	No	Yes	No	Yes	Yes	No	Not Included	Yes
Annual Limit	$5,000 - $30,000	$3,000 - $10,000	$10,000	$5,000 - $100,000	$10,000 - Unlimited	$8,500	$2,500 - $10,000	Unlimited	$5,000 or Unlimited
Annual Deductible	$200 - $1,000	$100 - $500	$250	$100- $500	$100 - $1,000	$250,00*	$100 - $500	$250 or $500	$50 - $1,000
Reimbursement Percentage	70, 80 or 90%	70, 80 or 90%	50% or 70%	70, 80 or 90%	70, 80 or 90%	80%	70, 80 or 90%	70% or 80%	70, 80 or 90%
Exam Fee Coverage	Included	Included	Included	Optional	Optional	Included	Included	Not Included	Included
Waiting Period for Accident	2 days	15 days	14 days	2 days	5 days	30 days	15 days	15 days	3 days
Waiting Period for Illness	14 days	15 days	14 days	14 days	14 days	30 days	15 days	15 Days	14 Days
Additional Pet Discount	10%	10%	5%	5%	10%	No Discount	10%	Markdown Options	5%

Methodology

We’ve used information from various sources compiling data taken from the pet insurances themselves.

Price Vs Benefits – we’ve decided that benefits outweigh the price on any given insurance for the reason that you could get a cheap price on a monthly payment but with few benefits. In the end, it will not pay off.

We address various aspects that would make up good dog insurance including reimbursements, deductibles, 24/7 availability, wellness coverage, dental/ behavioral benefits, waiting periods, available discounts, end of life plans, vet exam fees, stemcell treatment, etc.

That being said this is what we believe to be the best based on our in-house values on what makes good pet insurance, if you are more suited to an accident only plan there are options for what you need in our reviews!

Disclosure: Our main goal is to improve the relationship between dogs and their owners but we also receive compensation from companies whose products we review. This means we receive a commission for any products purchased through our links. Please read our disclosure (link to disclosure page) for more info.

$10 / Month

Short Waiting Period
Unlimited Annual Coverage
24/7 Customer Service

$20 / month

Attractive Reimbursement Choices
$10,000 Coverage
Preventative Care Options

$12 / Year

Short Waiting Period
$30,000 Annual Coverage
24/7 Customer service

The Top 10 best Pet Insurances

Our Top 3 Dog Insurers

Coverage, reimbursement and deductibles

Top 3 shortest waiting period

Discounts

Compare Plans

Methodology

Pets Best Insurance

ASPCA Pet Insurance

Embrace Pet Insurance

Products

Features

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