Pet insurance is becoming increasingly popular as pet owners seek to mitigate the costs of unexpected veterinary expenses. Several companies offer pet insurance in the USA, each with its own coverage options, pricing, and benefits.
List of Top Pet Insurance Companies in the USA and Their Insurance Quotes
Here’s a detailed look at some of the top pet insurance companies and their typical insurance quotes.
1. Healthy Paws Pet Insurance
- Coverage: Healthy Paws offers comprehensive coverage including accidents, illnesses, cancer, emergency care, hereditary conditions, and alternative treatments. Routine care is not included but can be added with an optional Wellness Plan.
- Quotes: Premiums typically range from $30 to $60 per month for a dog, and $15 to $30 per month for a cat. The cost varies depending on the pet’s age, breed, and location.
- Deductibles & Reimbursements: Healthy Paws provides unlimited annual benefits with no per-incident limits. Deductibles can be set at $100, $250, or $500, with reimbursement options of 70%, 80%, or 90%.
2. Trupanion
- Coverage: Trupanion covers all accidents and illnesses, including hereditary and congenital conditions. They offer a unique feature with no payout limits and cover 90% of eligible expenses after the deductible is met.
- Quotes: Monthly premiums typically range from $40 to $80 for dogs and $20 to $50 for cats. Prices can be influenced by the pet’s age, breed, and location.
- Deductibles & Reimbursements: Trupanion has customizable deductibles ranging from $0 to $1,000, with a standard 90% reimbursement rate. They also offer direct payments to the vet, which can be a significant convenience.
3. Petplan
- Coverage: Petplan covers a wide range of treatments, including accidents, illnesses, hereditary conditions, and behavioral issues. They also include coverage for prescription medications, diagnostics, and alternative therapies.
- Quotes: Premiums generally range from $35 to $70 per month for dogs and $20 to $40 per month for cats. The exact cost depends on factors like age, breed, and location.
- Deductibles & Reimbursements: Petplan offers customizable deductibles ranging from $100 to $1,000 and reimbursement levels of 70%, 80%, or 90%. There are also annual limits on claims, but they offer options for higher coverage limits.
4. Nationwide Pet Insurance
- Coverage: Nationwide offers a range of plans including a basic wellness plan, a major medical plan, and an Avian & Exotic plan. Their coverage options are broader for wellness and preventive care compared to other insurers.
- Quotes: Premiums range from $25 to $55 per month for dogs and $15 to $35 per month for cats. Prices vary based on the pet’s age, breed, and location.
- Deductibles & Reimbursements: Deductibles are typically $100 to $500, and reimbursement rates can be 70%, 80%, or 90%. Nationwide also provides some unique plans for exotic pets.
5. Figo Pet Insurance
- Coverage: Figo covers accidents, illnesses, hereditary conditions, and alternative treatments. They offer a comprehensive plan with unlimited annual benefits and the option to add a Wellness Plan.
- Quotes: Monthly premiums usually range from $30 to $70 for dogs and $15 to $40 for cats. Premiums are influenced by the pet’s age, breed, and location.
- Deductibles & Reimbursements: Figo allows for deductible choices between $100 and $750, with reimbursement options of 70%, 80%, or 90%. They also offer a 100% reimbursement plan.