Top 5 Pet Insurance Companies

Healthy Paws is simple and reliable. It offers a single plan with no annual or lifetime payout limits, covering alternative therapies like acupuncture and chiropractic in the base plan. The main gap: there's no wellness plan option, and exam fees aren't covered.

Embrace is the most comprehensive of the five. It covers dental illness as a standard feature — something most other insurers don't offer. It also has a unique diminishing deductible feature. It holds an A+ rating from the BBB, though premiums have been rising year-over-year for many policyholders.

Pets Best hits a solid middle ground. It has no maximum enrollment age and covers routine procedures like spaying, microchipping, and teeth cleaning with the right plan. It also offers a direct vet pay option so you don't have to pay out of pocket first.

Trupanion is premium-priced but genuinely unique. It's the only provider that can pay veterinarians directly at checkout, often in seconds, meaning you may never have to pay out-of-pocket at the vet. It also never increases or cancels your coverage because of claims you submit.