Top 5 Best Pet Insurance Plans 2020

Check out the latest pet insurance options that every pet owner should have!


  • infinite lifetime advantages + no claim caps!
  • Annual Discount (recommended)
  • Free mobile app & no claims forms

  • Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to Unlimited
  • pick up Annual Deductible from $100-$1,000

  • Get up to 90% back at a vet
  • Benefits up to $30K/yr
  • Comprehensive diseases & accident coverage – no levels

  • PetFirst is partnered with the Humane Society
  • Short waiting period before coverage begins.
  • Hereditary, congenital & chronic conditions


  • First and biggest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • 24/7 vet helpline access

Today more than ever before, a pet is truly part of the family. Cats, dogs, and other pets of all kinds become members of your family, and you go out of your way to keep them healthy, happy, and thriving. And thanks to pet insurance, you can now offer your pets the very same protections that humans enjoy. Pet insurance allows you to reduce the costs of your veterinary visits and can keep your pet in great health.

Of course, deciding if pet insurance is the right choice for your furry friends can also complicate things. Choosing which plan you’d like to use can be as complicated as finding the perfect pet for your family. How do you know which pet insurance plans are worth their costs? Which plans offer the best coverage and value? Here’s what you need to know before choosing a pet insurance plan.

What Is Pet Insurance?

Pet insurance is very similar to health insurance for humans. It’s a healthcare policy designed for pets. And it’s a financial safety net for pet owners when illness, accidents, and injuries happen.

Like your health insurance plan, pet insurance reimburses you for medical expenses. You pay a monthly premium, which protects you against the risk of paying out of pocket for expensive vet bills. If your pet gets sick, needs expensive treatments or surgeries, or needs regular wellness checkups, pet insurance will cover some of those costs.

Typically, when your pet needs medical care, you have to pay all the costs upfront. And if your pet needs treatment or care that you can’t afford, you’re at a loss. Pet insurance will reimburse you for those costs – and depending on the plan you choose, pet insurance can cover some or all of the cost.

Of course, every pet insurance plan is different. Coverage varies from plan to plan, and your monthly premiums can change depending on which kinds of pets you have, their breed, their age, and their health history. Each pet insurance plan also offers different deductibles, coverage levels, and reimbursement policies for pet owners.

How Pet Insurance Works

Simply put, pet insurance works like this: when your pet needs to visit the vet, you’ll be reimbursed for some or all of the money you pay for the vet’s services.

Of course, pet insurance is a little more complicated than this. Because coverage details and reimbursement vary between insurance plans, it’s important to know how pet insurance works when your pet is covered. Ultimately, no matter your insurance plan, pet insurance is meant to help you save money.

When you choose a pet insurance plan, you’ll pay a monthly premium for that insurance coverage. Typically, this adds up to a few hundred dollars per year. Whenever your pet gets sick or needs to visit the vet, you won’t have to cover the entire cost. You’ll file a claim with your pet insurance plan, and you’ll be reimbursed for your costs.

In order to get reimbursed for any pet medical costs, you’ll pay the vet bill first. Then, you’ll send the information to your pet insurance provider to get your money back. Claims are usually approved in under a week, which means you won’t have to suffer the cost of your pet’s medical expenses for long.

Pet insurance plans are also structured very similarly to human health insurance plans. Your plan will be structured with:

  • An annual deductible, or the amount you’ll pay out of pocket before the insurance company pays.
  • A reimbursement level, which is the percentage of a vet bill that will be covered by the insurance company.
  • An annual max, or a maximum amount that the insurance company will pay each year.

Just like your very own insurance plan, pet insurance will reduce the amount you have to pay. And that can help you give your pet the care and treatment they need, whether it’s routine or something far more serious.

The Advantages of Pet Insurance

Pet insurance is becoming increasingly popular today, and that’s because it has plenty of benefits. Pet parents want to keep their furry friends as healthy as possible. But sometimes, doing so can cause financial strain.

One of the biggest advantages of pet insurance is the protection it offers pet owners. When your pet develops a chronic condition or needs emergency medical care, you don’t have to worry. You won’t have to decide which medical treatments or procedures you can afford – and you won’t have to turn down care. Pet insurance can cover the costs, ensuring your pet gets the medical attention they need. This can be a lifesaver when your pet falls ill and you have to decide if you can afford to save your furry friend with costly treatments.

Pet insurance can also help with some of the routine costs that come with owning a pet. From regular medications to annual checkups and routine vaccinations, pet insurance can cover some or all of these services. And that alone can be worth the cost of your premium.

You’ll also be able to choose your favorite vet when you have pet insurance. Unlike human health insurance, which often limits you to certain doctors and providers, pet parents can choose any vet they’re comfortable with. You can choose any licensed veterinarian.

There are many reasons pet insurance has become popular with pet owners. Whether you’re looking for ways to save money on veterinary bills or simply an affordable way to keep your pet healthy, it can provide the peace of mind you need.

Types of Pet Insurance Plans

Every pet insurance policy is different. And you need to know what’s included before deciding which is best for you and your pet. You can purchase a plan that’s tailored for exactly what your pet needs, or what your most common vet expenses are.

Commonly, pet insurance plans fall into one of the following types of plans:

  • Accident Coverage: Coverage only for any treatments required if your pet has an accident, like burns, broken bones, or other serious injuries.
  • Pet Wellness: A plan that covers routine medical care and preventative treatments, like annual wellness exams, vaccinations, and flea and tick medications.
  • Time-Limited Coverage: These policies cover treatments up to a set dollar amount and period of time. For example, if your pet is diagnosed with diabetes, a time-limited coverage plan might provide up to $1,500 in coverage and 12 months of covered care.
  • Maximum-Benefit Policies: A plan that puts a cap on how much money you can be reimbursed.
  • Lifetime Coverage: A comprehensive plan that covers ongoing treatments, chronic illnesses, surgical procedures, and long-term medical care.

Should You Pay for Pet Insurance?

Pet insurance can be an affordable way to protect both your beloved pet and your finances. And it can be a smart choice if your pet requires serious medical care. Having pet insurance could save you tens of thousands of dollars over time – especially if you’re able to have your pet’s veterinary care reimbursed.

And pet insurance is a great way to ensure your furry loved ones are covered for any of their needs throughout their lives. As pets age, their medical needs and expenses can increase. But pet insurance could offer both of you peace of mind and affordable care without any sacrifices.

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