New Hampshire Humane Society and the Animal Rights Foundation have collaborated to compile a list of pet insurance options based on input from adopters, donors, staff, and board members. This is not a paid advertisement and we receive no financial support for what is included on this list.
Choosing the right pet insurance can be a challenging task so we compiled a brief list based on our own community’s input along with reasons why each is competitive. This includes website links, estimated costs, and benefits.
Data changes frequently so be sure to confirm details before making your final decision. These are presented in no particular order.
1. Healthy Paws
Website: Healthy Paws
Estimated Cost: $25-$45 per month
Benefits:
Unlimited Lifetime Benefits: No caps on payouts, providing peace of mind for pet owners facing high veterinary costs.
Quick Claims Processing: Most claims are processed within two days, ensuring timely reimbursements.
Comprehensive Coverage: Covers accidents, illnesses, cancer, emergency care, and alternative treatments.
Healthy Paws is renowned for its commitment to providing comprehensive coverage and efficient service, making it a top choice for pet owners.
2. Trupanion
Website: Trupanion
Estimated Cost: $30-$55 per month
Benefits:
90% Coverage: After the deductible, Trupanion covers 90% of eligible expenses, offering substantial financial relief.
Direct Vet Pay Option: Allows payment directly to the veterinarian, reducing out-of-pocket expenses at the time of service.
No Payout Limits: Offers unlimited lifetime coverage for conditions.
Trupanion's direct pay feature and extensive coverage make it a competitive option for pet insurance.
3. Embrace Pet Insurance
Website: Embrace Pet Insurance
Estimated Cost: $20-$40 per month
Benefits:
Customizable Plans: Offers a range of deductibles and reimbursement levels, allowing owners to tailor coverage.
Wellness Rewards Program: Optional add-on for routine care like vaccinations and grooming.
Diminishing Deductible: Deductible decreases by $50 each year without a claim.
Embrace stands out for its flexibility and the ability to personalize plans according to pet owners' needs.
4. Nationwide Pet Insurance
Website: Nationwide Pet Insurance
Estimated Cost: $35-$60 per month
Benefits:
Whole Pet with Wellness: Comprehensive policy covering accidents, illnesses, and wellness care.
Coverage for Exotic Pets: Offers insurance options for birds and exotic pets, which is rare in the industry.
Veterinary Helpline: Complimentary access to a 24/7 vet helpline for immediate advice.
Nationwide's wide range of coverage options and extra services make it a versatile choice for diverse pet needs.
5. Petplan
Website: Petplan
Estimated Cost: $25-$50 per month
Benefits:
Coverage for Hereditary Conditions: Includes coverage for hereditary and chronic conditions, which many other plans exclude.
Virtual Vet Visits: Offers coverage for telehealth visits, a growing necessity.
No Age Limits: Covers pets of any age, making it ideal for older pets.
Petplan is recognized for its comprehensive coverage options, including hereditary conditions and virtual vet visits, appealing to tech-savvy pet owners.
6. Figo Pet Insurance
Website: Figo Pet Insurance
Estimated Cost: $30-$50 per month
Benefits:
Cloud-Based Pet Health Management: Offers a mobile app for easy access to policy information and claims.
Flexible Plans: Choose from various coverage options and deductibles.
24/7 Vet Chat: Provides access to a veterinarian for advice at any time.
Figo’s tech-savvy approach and user-friendly app make it attractive for modern pet owners.
7. Pets Best
Website: Pets Best
Estimated Cost: $20-$50 per month
Benefits:
Direct Vet Pay: Similar to Trupanion, this feature allows vets to be paid directly, minimizing upfront costs for owners.
Coverage for Older Pets: Offers plans specifically designed for senior pets.
Comprehensive Coverage Options: Includes a variety of customizable plans.
Pets Best is known for its flexibility and senior pet options, catering to a wide audience.
8. ASPCA Pet Health Insurance
Website: ASPCA Pet Health Insurance
Estimated Cost: $25-$55 per month
Benefits:
Comprehensive Coverage: Covers accidents, illnesses, and routine care.
Special Discounts: Offers discounts for multiple pets and for ASPCA members.
24/7 Vet Hotline: Access to veterinary advice at all hours.
ASPCA’s strong brand and commitment to animal welfare enhance its appeal among pet owners.
9. Lemonade Pet Insurance
Website: Lemonade Pet Insurance
Estimated Cost: $10-$30 per month
Benefits:
Affordable Plans: Competitive pricing, especially appealing to budget-conscious pet owners.
Quick Claims Process: Claims can be filed and paid out through the app in minutes.
Giveback Program: A unique model where leftover premiums go to charities chosen by policyholders.
Lemonade’s innovative approach and low costs make it a fresh alternative in the pet insurance market.
10. PetFirst Pet Insurance
Website: PetFirst
Estimated Cost: $25-$45 per month
Benefits:
Easy Claims Submission: Simple claims process that can be done online or through their app.
Lifetime Coverage: No age limits on enrollment and coverage continues for the pet's life.
Wellness Options: Optional wellness plans available for preventive care.
PetFirst offers a streamlined experience and comprehensive lifetime coverage options, making it a solid choice for pet owners.
These pet insurance options offer a range of benefits and coverage plans to suit different needs and budgets, making them competitive choices for pet owners. We hope this list helps as you research what is best for you and your best friend.