Who are the top pet insurance companies?

We surveyed more than thousands of policyholders across the nation and found that the following insurers represent the top pet insurance companies:

How much does pet insurance cost?

Based on our sample policies, pet insurance for dogs typically costs between $20 and $70 per month. For cats, the cost is typically between $11 and $30 per month.

Our sample policies were based on a 1-year-old female mixed-breed dog and an under one-year-old male domestic shorthair cat, respectively, in excellent health residing in Texas, with a $500 annual deductible, $5,000 annual benefit limit, and 90% reimbursement rate.

Premiums will vary based on if you have a cat or dog, your pet’s age, health, and location.

Factors specific to your policy will also affect the cost. Some examples include the following:

  • Coverage limits
  • Reimbursement rate
  • Deductible
  • Any options you may have added
  • Type of policy

Is pet insurance worth it?

The value of pet insurance is largely based on your expectations. If your pet is currently undergoing treatment for a chronic condition and you would like help with the cost of the treatment, you will likely be disappointed as no company or agency in our rating covers pre-existing conditions.

But, if you understand your policy and what it does and doesn’t cover and have a policy that fits your budget and needs, you are far more likely to consider the policy worth it. You may also have years where you don’t have to take your pet to the vet for anything other than an annual check-up and vaccinations, but if your pet suffers an accident or becomes seriously ill, that is when you may consider pet insurance worth the expense.

Why You Can Trust Us: 17 Pet Insurance Companies Researched

At U.S. News & World Report, we rank the Best Hospitals, Best Colleges, and Best Cars to guide readers through some of life’s most complicated decisions. Our 360 Reviews team draws on this same unbiased approach to rate the products that you use every day. To build our ratings, we researched more than 17 pet insurance companies and agencies and analyzed 15 reviews from both professionals and consumers. Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. All sample products provided for review are donated after review. In addition, we maintain a separate business team that has no influence over our methodology or recommendations.

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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