3 Best Pet Insurance Companies (According to Veterinarians)

Pet insurance is a great way to keep your pet healthy and happy. But there are so many options out there it can be hard to know which one is right for you. That's why we talked to 50 veterinarians around the U.S. about their favorite companies and what they look for in an insurance policy. Here are the top three pet insurers, according to our experts:

What to look for in a pet insurance company

You'll want to make sure you're covered for all of the things that could happen to your dog, but also know what's not covered. If your pet falls ill, it's important to make sure they have a chance at a full recovery by knowing exactly what services are covered by the insurance company and which ones aren't.

Some exclusions include pre-existing conditions (which may include anything from allergies to hip dysplasia), chronic conditions (such as arthritis), congenital defects that were present at birth, behavioral issues caused by abuse or neglect on the part of an owner or caretaker, elective surgeries such as teeth cleaning and spaying/neutering, cosmetic procedures such as tattoos or nose jobs—and more! You'll also want to be aware of any deductibles (the amount you need to pay before being reimbursed) and limits ($X per condition per year; $Y per condition over lifetime).

The coverage period is how long you can expect your pet's insurance policy will last if they fall ill or get injured under its terms; this term ranges between one month up into several years depending on the plan chosen. Some plans even offer lifetime coverage. Restrictions might include drug testing requirements before signing up for certain plans so make sure you know what those are ahead of time so there aren't any surprises later!

Embrace Pet Insurance

If you're looking to get your pet covered, Embrace is a good choice. This pet health insurance company covers 90% of the cost of routine care and unexpected illness or accidents. It also offers wellness coverage in case your dog or cat gets sick with something like kennel cough.

Embrace has a few tiers of plans: Standard (which covers 70%), Preferred (80%), or Elite (90%). The price varies based on the plan you choose and your pet's age. If your veterinarian certifies that it's medically necessary for your dog to have knee surgery, you'll be reimbursed up to $3,500 per surgery—that's more than most other companies pay out in total!

Lemonade Pet Insurance

Lemonade Pet Insurance is a top choice among veterinarians, with a 4.5 star rating on Google and an average of 4 stars across all review sites. Another reason to consider Lemonade is its monthly subscription plan. While some pet insurance companies require you to pay annual or even semi-annual premiums, Lemonade charges $30 per month for most plans (a few are $35).

Unlike many other insurance companies, Lemonade doesn't have an eligibility waiting period before your pet can start receiving benefits. Even better? Your coverage starts immediately after purchasing the plan!

Lemonade also has a 24/7 vet hotline that can help owners navigate any questions about their coverage or claims process—even if they're away from home. This can be especially helpful for people who have moved within the U.S., as there may be different practices in different cities that have been vetted by the company's vets but not yet added as options in its app and website search feature."

Trupanion

Trupanion, a pet insurance company, offers coverage for dogs and cats.

The company has a 24/7 phone line that you can call if you have an issue with your claim or have questions about your policy.

According to veterinarians that spoke with us, Trupanion has a good reputation and its claims process is easy to understand.

Getting pet insurance might be the best thing you can do for your pet.

According to veterinarians, getting pet insurance might be the best thing you can do for your pet. It's not just about saving money when something bad happens; it's also about avoiding financial disaster and stress altogether.

Pet insurance can help you save money on preventative care and routine treatments. This means your pet will be healthier, meaning cheaper treatments down the line. There are also general costs associated with owning a pet that are often included in premium plans: checkups, vaccines, examinations and tests (like X-rays), medications or surgery if something goes wrong with their health, dental cleanings and more—and this is all before any unexpected emergencies come into play like car accidents or house fires!

If an emergency does happen however there is no denying that medical bills can quickly add up--especially if you don't have adequate coverage through Medicare/Medicaid or other insurance providers who may only cover certain things (such as cancer treatment) but not others such as eye exams or blood work tests etcetera which then requires further follow-up visits by specialists which adds even more time onto having to wait for answers about various illnesses . . . all while having no idea how much those costs will actually end up being until everything has been completed first! Even worse are situations where someone doesn't know if their particular condition needs immediate attention so they wait too long before seeking help; possibly leading them towards irreversible consequences like losing limbs due to lack of circulation caused by clots somewhere else within their body system which could've been avoided had there been proper intervention earlier than later."

Conclusion

There are many different options for pet insurance, and you’d be wise to do your research before you make a decision. It can seem overwhelming at first, but when you break it down into the key factors that matter most to vets like us—such as how much your deductible is and how quickly claims are processed—it becomes easier to find a plan that works for both you and your pet.