10 Best Pet Insurance Companies of 2017

The following are top 10 Pet Insurance Companies 2017 :

1. Healthy Paws

Reviews

Healthy Paws is our top choice because they offer the best coverage when your pet is sick or injured, including chronic conditions. We read in-depth articles from the Times comparing Pet Insurance and also considered online reviews from the top review websites in the pet insurance industry.
With an industry leading unlimited lifetime benefits and annual deductible (rather than per incident), you get the highest reimbursement. Prices are very affordable for the premium customer service and quality of coverage.

What's Included with Healthy Paws:

• Unlimited Lifetime Benefits + Annual Deductible
• Customize your reimbursement and deductible levels to fit your budget
• Covers all accidents and illnesses without restrictions for hereditary or congenital conditions
• Covered services include advanced testing, surgeries, hospital stays, and prescription medications. Alternative and emergency care too.
• No restrictions or caps on claim amount
• Best in class customer service as rated by pet parents.

The Fine Print:

• Policy starts almost immediately - 15 days after you sign up, exception being a 12-month waiting period to cover hip dysplasia.
• It does not cover routine care and will not pay for vet exams or pre-existing conditions.
• Healthy Paws Pet Insurance is one the most financially secure pet insurance companies. They are majority owned by Aon Corporation (world's largest insurance broker) and it's insurance underwriter is ACE Group, an A+ Rated Company with over $25 billion in surplus to pay claims.

The Bottom Line:

Healthy Paws is the best choice overall. Get a quote now to protect your dog or cat from the unexpected!

OFFICIAL SITE : http://www.healthypawspetinsurance.com

2. Petplan

Reviews

Pet Plan is our #2 choice for pet insurance because they offer some of the best coverage around. Their customer service is excellent & when it comes to coverage for your dollar their bronze, silver & gold policies all stack up really well against competitor plans.

What's Included with Pet Plan:

• Choice of $50, $100 or $200 deductible
• $100%, 90% & 80% reimbursement options
• Covers all accidents and illnesses without restrictions for hereditary or congenital conditions
• Covers medications, advanced testing and hospital stays
• Policy limits that range from $10,000 to $22,000 depending on the plan.

The Fine Print:

• Flat-rate reimbursement for veterinary bill fees. In other words, Petplan reimburses you the cost of your vet bill (minus your deductible, up to the policy limit you selected).
• It does not cover routine care and will not pay for vet exams or pre-existing conditions.
• Pet Plan is licensed in all 50 states and the District of Columbia, as well as select provinces in Canada. AGCS Marine Insurance Company, a member of the Allianz Group (the world’s largest property and casualty insurer group, is their underwriter.

The Bottom Line:

Pet Plan is a solid choice for pet insurance & worth getting a quote from to see if they're the right choice to help protect your best friend from the unexpected!

OFFICIAL SITE : http://www.gopetplan.com/

3. Embrace

Why They're a Great Choice

Embrace pet insurance has an A+ rating with the BBB, and offers insurance plans for Puppies, Dogs, Kittens and Cats. We reviewed their online reviews with the most visited review websites in the pet insurance industry and they came out highly ranked. In addition, a third party article written by the Seattle times also ranked Embrace highly because of their broad coverage, big ticket item coverage and faster payouts. Their optional wellness plan costs a bit extra but can be used to pay for your routine checkups or even a spay/neuter surgery (up to a max of $200 or $400 per year). They have a reputation for ease of use and coverage that is truly "nose to tail."

What's Included with Embrace:

• They cover accidents, illness, genetic conditions and even chronic conditions.
• They offer wellness plans that will cover routine care or even spay/neuter surger up to an annual max (either $200 or $400)
• Maximum payouts from $5,000

The Fine Print:

• Embrace has age limitations on their policies. If your dog or cat is 6 or older you might not be eligible for coverage, but once covered, your coverate is for life.
• They also offer drug coverge as an add-on which should not be something you have to pay extra for.
• That's a dealbreaker for the Seattle Times and also something that contributed to their ranking for us.

The Bottom Line:

If you have a younger pet, Embrace is a fantastic choice!
OFFICIAL SITE : http://www.embracepetinsurance.com/

4. Trupanion

Trupanion is Our #4 Pick

Trupanion is is a great pet insurance company because they will cover up to 90% of your actual bill. They reimburse medications, tests, and even trips to the hospital. Given an A+ with the BBB, they are a medium sized company with a great product.

What's Included with Trupanion:

• Low cost deductible from $0-$1000. Their deductible is also per-condition which is good for chronic issues as your pet ages
• Will cover up to 90 percent of the actual vet bill
• Covers actual vet bills for accidents, illness and geneitc conditions
• Covers medications, advanced testing and hospital stays
• No restrictions or caps on payout amount

The Fine Print:

• Animals that have not been spayed or neutered within the first year (or 30 days after adoption) are covered as breeding animals which costs more.

The Bottom Line:

If you plan to spay or neuter your pet, Trupanion is a fantastic choice!
OFFICIAL SITE : http://trupanion.com

5. Pets Best

Pets Best is Our #5 Pick

Pets Best is a good brand with an A+ BBB ranking. They have some coverage limitations and won't cover some genetic conditions.

What's Included with Pets Best:

• Up to 100% reimbursement
• Low annual deductable from $100
• Visit the vet of your choice

The Fine Print:

• Pets Best does not cover congenital conditions (conditions that were present but undetected at birth).
• They will not cover items deemed "preventable"
• They will not cover parasites

The Bottom Line:

Pets Best is not the best option we found because of some coverage limitations. In most states (46 states) you must upgrade to a more expensive plan beyond "BestBenefit Level 1" to get more than $5,000 in annual coverage ($100k lifetime). A full list of what's not covered is here.
OFFICIAL SITE : http://www.petsbest.com

6. Pet Premium

Pet Premium Overview

While Pet Premium is a new company in the US, they offer the same coverages (also underwritten by United States Fire Insurance Company), as another provider that's been a strong brand in the US for years: ASPCA.
What does that mean, exactly? Well, essentially it means that the policies you get through Pet Premium are the same as those offered by ASPCA. Both companies provide policy holders with the same coverage levels. And while Pet Premiums is a new company, which so far has been well received, they are relatively new still. They opened their doors for business in the Fall of 2013.
Pet Premium has per-condition limits, which cause buyer beware, as if your surgery or unexpected bill is greater than $3,500 you're out of luck & will have to pay the difference. For this reason, we'd recommend you look elsewhere.

What's Included with Pet Premium:

• 90% reimbursement
• Low annual deductable of $100
• Visit the vet of your choice

The Fine Print:

• Pet Premium pays out only $3,000 per incident unless you purchase their top two policies. That's a dealbreaker us.

The Bottom Line:

Pet Premium is still a new company. They may improve their policies over time, however, based on their coverages today they're not the best option we found. Their payout policy limit is a dealbreaker when better alternatives are available.
OFFICIAL SITE : https://enroll.petpremium.com

7. Aspca

ASPCA Overview

ASPCA is a strong brand in the US but they have a very low per-condition payout limit. Buyer beware that if your surgery or unexpected bill is greater than $3500, you're out of luck. For that reason alone we'd recommend you look elsewhere.

What's Included with ASPCA:

• 90% reimbursement
• Low annual deductable of $100
• Visit the vet of your choice

The Fine Print:

ASPCA pays out only $3000 per incident unless you purchase their top two policies. That's a dealbreaker for the times and us too.

The Bottom Line:

ASPCA is not the best option we found. Teir payout policy limit is a dealbreaker when better alternatives are available.
OFFICIAL SITE : http://www.aspcapetinsurance.com/

8. VPI

VPI (PetInsurance.com) Ranked 8th. 

Our ranking of 8 out of 10 is based on the fact that that VPI aka PetInsurance.com has some of the lowest reviews of any pet insurance provider on the pet insurance review sites we've read. Also, payouts on a benefits schedule were a "dealbreaker" according to an unbiased article written by the Seattle Times. That means that while you have to pay the Vet the total amount they charge, VPI will reimburse you only according to their "schedule" which could leave you with added out of pocket expense. This also factored into their lower ranking on our site.

What's Included with VPI:

• Coverage for accidents, illnesses and hereditary issues on a sliding scale. You pay more for the coverage you should be getting.
• They are a very popular site with a catchy domain name but not the best policy we have reviewed

The Fine Print:

• VPI pays out on a benefits schedule

The Bottom Line:

VPI is not the best option we found and their payout policy is a "dealbreaker" when better alternatives are available.
OFFICIAL SITE : http://www.petinsurance.com/

9. Petfirst

Pet First Overview

Pet First offers pet insurance is all about safety for your loved one. They have straightforward policies and an A+ with the BBB. They are a very small company overall.

What's Included with Pet First:

• Easy to customize policies for Dogs and Cats
• The premium is predictable and so it will be easy to ensure coverage of the unexpected.
• Reimbursement from 70-90%
• Restricted policy limit of $5,000, $10,000 or $20,000 compared to other policies without limits

The Fine Print:

• More expensive policy required to get coverage for breed specific, chronic and congenital issues
• Some policies not available online

The Bottom Line:

They offer some restrictions that other policies don't so we'd recommend Healthy Paws or Trupanion over Petfirst.
OFFICIAL SITE : https://www.petfirst.com/

10. 24PetWatch

24 Pet Watch Overview

24 Pet Watch is a medium brand in the US with an A+ BBB rating. That said, buyer beware that if your surgery or unexpected bill is greater than $1,500 (w/24PetWatch Standard), $3,000 (w/24PetWatch Select) or $5,000 (w/24PetWatch Elite) - as you're out of luck. These per incident coverage limitations mean that if your pet has an expensive $8,000 surgery, even if you have their most expensive plan, you're still stuck having to pay the $3,000 balance. These per incident coverage limits just aren't high enough.

Additionally, 24 Pet Watch limits the amounts they'll cover on an annual basis $5,000 (w/24PetWatch Standard), $10,000 (w/24PetWatch Select), or $20,000 (w/24PetWatch Elite) & the amounts they'll pay over the lifetime of your pet.
On account of 24 Pet Watch's per incident & per year coverage limitations - less so for their lifetime limitations, which are more reasonable - we'd recommend you look elsewhere.

What's Included with 24 Pet Watch:

• Coverage for accidents, illnesses and hereditary issues on a sliding scale.
• You pay more for the coverage you should be getting.
• They are a very popular site with a catchy domain name but not the best policies we have reviewed

The Fine Print:

• Most states offer new "blanket" coverage. California, Washington, Florida, Massachusetts & New York do not.
• Policies are structured differently & based on lifetime coverage across 12 illness categories.

The Bottom Line:

24 Pet Watch is not the best option we found and their policy limitations are a dealbreaker when better alternatives are available.
OFFICIAL SITE : http://www.24petwatch.com/