Pets Best is No. 1 in our Best Pet Insurance Companies of 2023 rating. Pet owners have the ability to personalize their accident-and-illness coverage by modifying their deductible, reimbursement rate, and yearly benefit limit with Pets Best’s accident-and-illness plans as well as accident-only insurance.
With the company’s accident and illness plan, there are several alternatives for an annual benefit cap, including the option for limitless yearly benefits.
Best Pet Insurance In 2023
The insurance provider offers EssentialWellness and BestWellness, two tiers of add-on wellness coverage, for $16 and $26 per month, respectively. Additionally, Pets Best provides savings to customers who insure several pets as well as to military personnel.
Pets Best 🐶
Excellent Features 🤩
- ✅ Best For: Direct payment to vets
- ✅Max annual coverage$5,000, $10,000, or unlimited
- ✅Reimbursement rates: 70%, 80%, or 90%
- ✅Deductible choices: $50 to $1,000
- ✅30 days Money-back guarantee
BOTTOM LINE
- Customer service: Good
- Claims process: Effective
- Online Resources: Good
- No upper age Limit
FIGO🐕
Excellent Features🤩
- ✅ Best For: 100% reimbursement rate
- ✅Max annual coverage: $5,000, $10,000, or unlimited
- ✅Reimbursement rates: 70%, 80%, or 90%
- ✅Deductible choices: $100 to $1,5000 per year
- ✅30 days Money-back guarantee
BOTTOM LINE
- Customer service: Good
- Claims process: Effective
- No upper age Limit
- Online Resources: Good
Embrace Insurance
Embrace Pet Insurance is a popular pet insurance company that offers a variety of plans to choose from. They are known for their comprehensive coverage and flexible plans. Embrace also covers pre-existing conditions, which is not always the case with other pet insurance companies.
Embrace Pet Insurance
Rating
Embrace received a 5-star rating from Money Capton, based on its overall performance, consumer experience, coverage options, and financial strength ratings.
Embrace, a Cleveland-based pet insurance provider, is a preferred choice by insurers like Allstate, Geico, and USAA. Their standard plan covers up to 90% of vet expenses, with customizable deductibles and annual limits. Embrace also donates $2 per policy sold to charitable causes.
| Coverage options | Embrace | Healthy Paws |
|---|---|---|
| Deductible | $100 to $1,000 per year. | $100 to $1,000 per year. (Not all options are available to all pets.) |
| Reimbursement | 70%, 80% or 90%. | 50%, 60%, 70%, 80% or 90%. (Not all options are available to all pets.) |
| Annual limit | $5,000 to unlimited. | Unlimited. |
✅Some of the lowest sample premiums among insurers in our rating.
✅Multiple discount opportunities available
❎When enrolling a pet over age 14, an accident-only policy is the only option
| Feature | Details |
|---|---|
| Plan types | Accident and illness, wellness, and accident only |
| Coverage | Accidents, illnesses, preventive care, and some routine care |
| Deductible | Varies by plan |
| Reimbursement rate | Varies by plan |
| Waiting period | 14 days for accidents, 30 days for illnesses |
| Exclusions | Hereditary conditions, chronic diseases, and some pre-existing conditions |
Overall, Embrace Pet Insurance is a good option for pet owners who are looking for comprehensive coverage and flexible plans. However, their premiums can be high and there are some exclusions from coverage.
Pets Best Insurance
Pets Best Insurance is a popular pet insurance company that offers a variety of plans to choose from. They are known for their competitive premiums and flexible plans. Pets Best also covers pre-existing conditions, which is not always the case with other pet insurance companies.
Pets Best
Excellent🤩 Insurance
Rating
Pets Best received a 4.8-star rating from Money Capton, based on its overall performance, consumer experience, coverage options, and financial strength ratings.
Pets Best prioritizes exceptional customer service and encourages pet parents to share their experiences with their pets. They offer the best pet insurance for dogs and cats, allowing pet owners to get free quotes.
Excellent Features 🤩
- ✅ Best For: Direct payment to vets
- ✅Max annual coverage$5,000, $10,000, or unlimited
- ✅Reimbursement rates: 70%, 80%, or 90%
- ✅Deductible choices: $50 to $1,000
- ✅30 days Money-back guarantee
| options | Pets Best | Trupanion |
|---|---|---|
| Deductible | $50 to $1,000. | $0 to $1,000 per condition (except in select states, where no deductible applies). |
| Reimbursement | 70%, 80% or 90%. | 90% in most states. |
| Annual limit | $5,000 per year to unlimited. | Unlimited. |
Pros
✅Lots of options to customize plans.
✅Unlimited annual coverage option available.
✅Can reimburse your vet directly.
❎Includes exam fees and certain therapies only with more expensive plans.
❎ Doesn’t cover food or supplements.
Cons
| Feature | Details |
|---|---|
| Plan types | Accident and illness, wellness, and accident only |
| Coverage | Accidents, illnesses, preventive care, and some routine care |
| Deductible | Varies by plan |
| Reimbursement rate | Varies by plan |
| Waiting period | 0 days for accidents, 14 days for illnesses |
| Exclusions | Hereditary conditions, chronic diseases, and some pre-existing conditions |
Overall, Pets Best Insurance is a good option for pet owners who are looking for affordable coverage with flexible plans. However, their coverage is not as comprehensive as some other plans, and there is a waiting period for illnesses.
Trupanion Insurance
Trupanion is a pet insurance company that offers a variety of plans to choose from. They are known for their high reimbursement rates and coverage for chronic conditions. However, they also have one of the highest premiums in the industry.
Trupanion Insurance
Excellent🤩 Insurance
Rating
Trupanion Insurance received a 4.5-star rating from Money Capton, based on its overall performance, consumer experience, coverage options, and financial strength ratings.
Trupanion is known for its high reimbursement rates and coverage for chronic conditions. However, they also have one of the highest premiums in the industry.
Excellent Features 🤩
- ✅ Best For: 100% reimbursement rate
- ✅Max annual coverage: $5,000, $10,000, or unlimited
- ✅Reimbursement rates: 70%, 80%, or 90%
- ✅Deductible choices: $100 to $1,5000 per year
- ✅30 days Money-back guarantee
| options | Pets Best | Trupanion |
|---|---|---|
| Deductible | $50 to $1,000. | $0 to $1,000 per condition (except in select states, where no deductible applies). |
| Reimbursement | 70%, 80% or 90%. | 90% in most states. |
| Annual limit | $5,000 per year to unlimited. | Unlimited. |
Pros
✅Lots of options to customize plans.
✅Unlimited annual coverage option available.
✅Can reimburse your vet directly.
Cons
❎Includes exam fees and certain therapies only with more expensive plans.
❎ Doesn’t cover food or supplements.
| Feature | Details |
|---|---|
| Plan types | Accident and illness, wellness, and accident only |
| Coverage | Accidents, illnesses, preventive care, and chronic conditions |
| Deductible | Varies by plan |
| Reimbursement rate | Up to 90% |
| Waiting period | 14 days for accidents, 14 days for illnesses |
| Exclusions | Hereditary conditions, certain types of cancer, and some pre-existing conditions |
Overall, Trupanion Insurance is a good option for pet owners who are looking for high reimbursement rates and coverage for chronic conditions. However, their premiums are high and there are some exclusions from coverage.
ASPCA Pet Insurance
ASPCA Pet Insurance is a popular pet insurance company that offers a variety of plans to choose from. They are known for their affordable premiums and flexible plans. ASPCA Pet Insurance also covers pre-existing conditions, which is not always the case with other pet insurance companies.
ASPCA
Excellent🤩 Insurance 
Rating
Pets Best received a 4.5-star rating from Money Capton, based on its overall performance, consumer experience, coverage options, and financial strength ratings.
The ASPCA Pet Insurance is a good option for pet owners who want to support a good cause. The ASPCA donates a portion of its profits to animal welfare organizations.
Excellent Features 🤩
- ✅ Best For: 100% reimbursement rate
- ✅Max annual coverage: $5,000, $10,000, or unlimited
- ✅Reimbursement rates: 70%, 80%, or 90%
- ✅Deductible choices: $100 to $1,5000 per year
- ✅30 days Money-back guarantee
| Coverage options | ASPCA | Embrace |
|---|---|---|
| Deductible | $100, $250 or $500. | $100 to $1,000 per year. |
| Reimbursement | 70%, 80% or 90%. | 70%, 80% or 90%. |
| Annual limit | $2,500 to $10,000 per year. (An unlimited option may be available; call the company for details.) | $5,000 to unlimited. |
Pros
✅Covers horses in addition to cats and dogs.
✅Standard plans cover alternative therapies, behavioral issues and congenital conditions.
✅Shorter waiting period than most plans for cruciate injuries (14 days).
Cons
❎You must call rather than getting an online quote if you’re interested in unlimited annual coverage.
| Feature | ASPCA Pet Insurance | Trupanion |
|---|---|---|
| Plan types | Accident and illness, wellness, and accident only | Accident and illness, wellness, and accident only |
| Coverage | Accidents, illnesses, preventive care, and some routine care | Accidents, illnesses, preventive care, and chronic conditions |
| Deductible | Varies by plan | Varies by plan |
| Reimbursement rate | Up to 80% | Up to 90% |
| Waiting period | 14 days for illnesses | 14 days for accidents, 14 days for illnesses |
| Exclusions | Hereditary conditions, chronic diseases, and some pre-existing conditions | Hereditary conditions, certain types of cancer, and some pre-existing conditions |
Overall, ASPCA Pet Insurance is a good option for pet owners who are looking for affordable coverage with flexible plans. However, their coverage is not as comprehensive as some other plans, and there is a waiting period for illnesses.
Figo Insurance
Figo Pet Insurance is a newer pet insurance company that is known for its easy-to-use app and mobile-friendly claims process. They also offer a variety of discounts, such as a discount for enrolling your pet at a young age.
Figo
Excellent🤩 Insurance 
Rating
Pets Best received a 4.5-star rating from Money Capton, based on its overall performance, consumer experience, coverage options, and financial strength ratings.
Pets Best prioritizes exceptional customer service and encourages pet parents to share their experiences with their pets. They offer the best pet insurance for dogs and cats, allowing pet owners to get free quotes.
Excellent Features 🤩
- ✅ Best For: 100% reimbursement rate
- ✅Max annual coverage: $5,000, $10,000, or unlimited
- ✅Reimbursement rates: 70%, 80%, or 90%
- ✅Deductible choices: $100 to $1,5000 per year
- ✅30 days Money-back guarantee
| Coverage options | Figo | Healthy Paws |
|---|---|---|
| Deductible | $100 to $1,500 per year. | $100 to $1,000 per year. (Not all options are available to all pets.) |
| Reimbursement | 70%, 80%, 90% or 100%. | 50%, 60%, 70%, 80% or 90%. (Not all options are available to all pets.) |
| Annual limit | $5,000, $10,000 or unlimited. | Unlimited. |
Pros
✅Offers a wide breadth of coverage, with no upper age limit for pets.
✅Unlimited annual coverage is available.
Several reimbursement options to choose from, including 100% reimbursement.
Cons
❎Doesn’t offer an accident-only plan, which is typically cheaper than more comprehensive plans.
| Feature | Figo Pet Insurance | Embrace Pet Insurance |
|---|---|---|
| Plan types | Accident and illness, wellness, and accident only | Accident and illness, wellness, and accident only |
| Coverage | Accidents, illnesses, preventive care, and some routine care | Accidents, illnesses, preventive care, and some routine care |
| Deductible | Varies by plan | Varies by plan |
| Reimbursement rate | Up to 90% | Up to 80% |
| Waiting period | 14 days for illnesses | 14 days for accidents, 30 days for illnesses |
| Exclusions | Hereditary conditions, chronic diseases, and some pre-existing conditions | Hereditary conditions, chronic diseases, and some pre-existing conditions |
Ultimately, the best pet insurance company for you will depend on your individual needs and budget. If you are looking for an easy-to-use and mobile-friendly insurance policy, Figo Pet Insurance may be a good option for you. However, if you are looking for comprehensive coverage, Embrace Pet Insurance may be a better choice.
