How would you pay for your pet’s emergency care if it got hurt and needed care immediately? In a recent study, 46% of pet owners said that an emergency cost of $500 or less caused them to worry about money.
Pet insurance can be an important safety net if you can’t pay an emergency vet bill.
There are a lot of pet insurance companies out there, but we chose the best ones based on the coverage and reimbursement levels they offer. Leading companies give you a choice of benefits and deductibles and let you add extras to your policy to make it fit your needs.
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The best companies for pet insurance in December 2022
- Best Overall: Nationwide Runner-Up, Best Overall: Figo
- MetLife is the best for multiple pets and discounts.
- Best for conditions that already exist: ASPCA Health insurance for pets
- Best for Dental Coverage: Odie
- Best for Making Fast Claims Processing: USAA’s Pet Insurance is Best for Military Families Who Own Pets
Pet Wellness/Discount Plans
Wellness and discount plans for pets can help make some treatments not covered by pet insurance more affordable, like dental cleanings or spay/neuter surgeries. They don’t work the same way as coverage for accidents and illnesses that comes with pet insurance.
- Wellness plans: If you have a wellness plan, your company will pay for up to a certain amount of each treatment, up to a maximum amount per year. With programmes like Banfield’s Optimum Wellness Care, you pay a monthly or annual fee and get regular preventive care.
- Plans for discounts: Plans for discounts, like Pet Assure, give you a flat discount on eligible treatments or procedures. You take the discount card to a vet’s office that accepts it and get a discount on your bill. Discount programmes, unlike wellness plans, can be used with pet insurance to pay for emergency care. Prices vary but are usually less expensive than insurance.
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