Pet insurance has become increasingly popular in the United States as more owners seek to protect their pets’ health while avoiding high veterinary costs. With the right policy, you can receive coverage for accidents, illnesses, surgeries, and preventive care. However, costs and coverage vary by provider, so it’s essential to compare pet insurance quotes before choosing.
Below is a list of the top pet insurance companies in the USA and an overview of their average quotes.
1. Healthy Paws Pet Insurance
Healthy Paws is known for comprehensive coverage and a fast claims process.
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Coverage: Accidents, illnesses, hereditary conditions, alternative therapies.
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Average Monthly Quote: $35–$60 (varies by pet age, breed, and location).
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Pros: Unlimited lifetime benefits, no annual caps.
2. Trupanion
Trupanion offers a 90% reimbursement rate on eligible costs and direct vet payment.
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Coverage: Illnesses, accidents, hereditary and congenital conditions.
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Average Monthly Quote: $45–$75.
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Pros: No payout limits, option to pay vets directly.
3. ASPCA Pet Health Insurance
A trusted brand in animal welfare, ASPCA offers flexible plans and add-ons for preventive care.
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Coverage: Accidents, illnesses, exam fees, optional wellness plans.
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Average Monthly Quote: $25–$55.
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Pros: Customizable deductibles and reimbursement rates.
4. Figo Pet Insurance
Figo is a tech-savvy pet insurer with a cloud-based app for managing claims and records.
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Coverage: Illnesses, injuries, emergency care, hereditary conditions.
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Average Monthly Quote: $30–$55.
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Pros: 24/7 virtual vet visits, unlimited claims available.
5. Nationwide Pet Insurance
Nationwide is one of the few insurers covering exotic pets as well as dogs and cats.
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Coverage: Illnesses, accidents, wellness care (with certain plans).
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Average Monthly Quote: $20–$60.
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Pros: Multi-pet discounts, wide coverage options.
6. Embrace Pet Insurance
Embrace offers customizable plans and covers alternative treatments like acupuncture.
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Coverage: Illnesses, accidents, genetic conditions, behavioral therapy.
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Average Monthly Quote: $25–$50.
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Pros: Healthy pet deductible reduction, flexible reimbursement.
7. Pets Best Insurance
Pets Best offers affordable policies with coverage for routine care add-ons.
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Coverage: Illnesses, accidents, prescriptions, wellness care (optional).
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Average Monthly Quote: $20–$45.
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Pros: Direct vet payment option, fast claims.
Tips for Choosing the Best Pet Insurance
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Compare Reimbursement Rates – Higher percentages mean lower out-of-pocket costs.
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Consider Annual Limits – Some providers offer unlimited payouts.
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Look at Exclusions – Pre-existing conditions are typically not covered.
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Bundle Policies if Possible – Some insurers offer discounts when you bundle with home or auto insurance.
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Factor in Pet Age – Insurance for younger pets is often cheaper.
Frequently Asked Questions (FAQs)
What is the average cost of pet insurance in the USA?
Most plans range from $20–$60 per month, depending on your pet’s age, breed, and coverage.
Does pet insurance cover routine check-ups?
Only if you choose a plan with wellness or preventive care add-ons.
Can I use pet insurance at any vet?
Yes, most pet insurance providers in the USA allow you to visit any licensed veterinarian.
Is pet insurance worth it for older pets?
Yes, especially if they are at higher risk for illness, but premiums may be higher.
How quickly are claims paid?
Many providers process claims within 3–10 days; some, like Trupanion, offer direct vet payment.