Check Out These Pet Insurance Reviews to Protect Your Pet in 2017

In the same way that having health insurance can feel like a big hassle until that moment you need it, purchasing good pet insurance can seem unnecessary until your beloved four-legged friend has some sort of accident or illness.

To help you choose from the many pet insurance providers, we have created your 2017 guide to the best pet insurance companies.

We will start by giving you an overview look at what to expect from top-rated pet insurance. Then we will share six pet insurance reviews for these great pet insurance companies.

top rated pet insurance

Award Emblem: Top 6 Best Pet Insurance Companies

We will look at what makes these pet insurance providers unique and why they deserve high pet insurance ratings. This will include going through the various plan options you will have.

While all pets unfortunately have medical issues, it is important to note that these best-rated pet insurance options are servicing dogs and cats.

You may look at your dog or cat today and think they are too healthy to need top pet insurance, but choosing a plan from one of the best pet insurance companies will ensure he or she is fully taken care of in the event an unexpected health problem.

So read through these pet health insurance reviews and find the perfect choice for you and your furry companion.

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AdvisoryHQ’s List of the Top 6 Best Pet Insurance Companies

List is sorted alphabetically (click any of the pet insurance company names below to go directly to the detailed review section for that pet insurance company):

Top 6 Best Pet Insurance Providers | Brief Comparison & Ranking

Pet Insurance Companies

Deductible Options

Annual Maximum Coverage?

Pet Insurance Review Rating



Between $100 and $500

Between $5,000 and unlimited




Between $200 and $1,000

Between $5,000 and $15,000


Healthy Paws


Between $100 and $500

No maximum




Between $100 and $1,000

Between $2,500 and unlimited


Pets Best


Between $50 and $1,000

Between $5,000 and unlimited




Between $0 and $1,000

No maximum


Table: Top 6 Best Pet Insurance Companies | Above list is sorted alphabetically

What Do Pet Insurance Providers Offer?

Pet insurance companies cover your dog or cat for many similar things that your health insurance covers: accidents and illnesses.

pet insurance reviews

Image Source: Pexels

While even the best pet insurance companies rarely offer preventative care coverage (vaccines, routine check-ups, etc.) in their basic insurance for pets, most best pet health insurance choices will offer an additional charge for preventative care.

As you will see in some of the pet insurance reviews below, a pet insurance company does typically not cover pre-existing conditions.

What Does the Top-Rated Pet Insurance Cost?

While reading through pet insurance reviews is very helpful, many people want to know what top-rated pet insurance will actually cost them.

You will have to do your own quote with these pet insurance providers to know exactly what to expect. But to give you a general idea of the cost of good pet insurance, we did test quotes with every one of the best pet insurance companies listed.

Our example was a two-year-old male beagle. We aimed for a $10,000 annual limit/maximum payout, 80% reimbursement, and $500 deductible (some do not offer these options, so differences are noted). Each top pet insurance quoted the following:

  • ASPCA = $42.70 monthly
  • Embrace = $42.06 monthly ($300 deductible option)
  • Healthy Paws =  $38.99 monthly (no limit/maximum payout)
  • Petplan = $33.02 monthly
  • Pets Best = $26.91 monthly (200 deductible and $5,000 limit) plus $26 a month for routine care
  • Trupanion = $68.26 monthly (no limit; always 90% coverage)

Remember that each of the best pet health insurance choices offer different things, so read the pet insurance reviews below to better understand why they are priced this way.

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AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review—Best Top-Rated Pet Insurance

Below, please find a detailed review of each best-rated pet insurance on our list of good pet insurance. We have highlighted some of the factors that allowed these pet insurance companies to score so high in our selection ranking.

ASPCA Review

The first top-rated pet insurance on our list of best pet insurance companies is ASPCA. Like many other pet insurance providers on the list, ASPCA offers highly customizable coverage.

Choose your annual limit/maximum payout between $5,000 and unlimited, choose a 70%, 80%, or 90% reimbursement, and choose a $500, $250, or $100 deductible. That good pet insurance plan will then cover the following:

  • Accidents
  • Injuries
  • Emergencies
  • Broken bones
  • Swallowed objects
  • Toxic exposure
  • Bite wounds
  • Illnesses
  • Cancer
  • Hereditary conditions
  • Congenital conditions
  • Alternative therapies

For an additional cost, you can add a preventative care plan to your top-rated pet insurance too.

One aspect that helps ASPCA receive high pet insurance ratings is the fact that they offer multiple pet discounts. If you have more than one dog or cat in your house needing insurance for pets, you can save 10% for each additional pet.

Embrace Review

Continuing through our pet insurance reviews, Embrace’s top-rated pet insurance is up next.

The customizable policies from this pet insurance company can cover the following problems up to 90% after an annual deductible between $200 and $1,000:

  • Breed-specific conditions
  • Cancer treatment
  • Diagnosing testing and imaging
  • Prosthetic limbs and devices
  • Surgery
  • Hospitalization
  • Nursing care
  • Alternative therapies
  • Rehabilitation
  • ER care
  • Specialty care
  • Prescription drug coverage
  • Behavioral therapy

While this top-rated pet insurance does not offer preventative insurance for pets, it does offer a savings plan called Wellness Rewards. This helps with cost of checkups, vaccines, teeth cleaning, and more.

Though this is some of the best pet health insurance, it is important to know that there is an annual maximum that you will choose between $5,000 and $15,000.

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Healthy Paws Review

Next up on our list of great pet insurance providers is Healthy Paws. Healthy Paws has some of the highest pet insurance ratings year to year. The Canine Journal pet insurance reviews named this good pet insurance the best pet insurance company in 2017.

best pet insurance companies

Image Source: Healthy Paws

This pet insurance company covers any treatments, as long as it is not a pre-existing condition (anything that started before purchasing this best pet health insurance policy).

While this is good pet insurance, know that it does not cover exam fees or preventative care. Coverage up to 90% with deductibles ranging from $100 to $500 includes:

  • Illness
  • Accidents
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic treatment
  • X-rays
  • Blood tests
  • Ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatments

This top-rated pet insurance covers your pet from 8 weeks old to 14 years old with lifetime benefits. You will then have your choice of deductible to lower/raise your monthly premium.

As one of the best pet insurance companies, claims can be processed in as few as 3 days after easily submitting the information through their mobile app.

Petplan Review

Petplan is the next we will look at for our pet health insurance reviews. As one of the best pet insurance companies, Petplan actually covers exam fees too.

One unique and helpful feature if you choose this pet insurance company is that you can take a picture of your claim and send it through their Petplan app. This allows for quick and easy response.

This top-rated pet insurance allows you to choose between $2,500 and unlimited annual limit/maximum payout, between $100 and $1,000 for a deductible, and among for 70%, 80%, or 90% reimbursement. This top pet insurance covers:

  • Accidents
  • Injuries
  • Illnesses
  • Veterinary exam fees
  • Imaging
  • Diagnostic treatments
  • Prescription medications
  • Cancer treatments
  • Dental treatments (non-routine)
  • Surgery
  • Rehabilitation
  • Alternative therapies
  • Referral/specialist treatment

With the $15,000+ vet coverage you will also get:

  • Loss due to theft or straying
  • Death from illness or injury
  • Advertising and reward costs
  • Vacation cancellation
  • Boarding kennel fees
  • Behavioral therapy costs

The Canine Journal pet insurance reviews named Petplan the 2nd place pet insurance providers in 2017.

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Pets Best Review

Next on the list of pet insurance reviews is Pets Best. On their website, this pet insurance company boasts three reasons to choose Pets Best:

  • Fast claim payment: Normally under 5 days
  • Unique coverage: Customizable options
  • Customer service: Fast and personal

Like many of the other pet insurance providers, you can choose between a $50 and $1,000 deductible; 70%, 80%, or 90% reimbursement; and $5,000 to unlimited limit/maximum payout. These work for all three of their best pet health insurance plans:

  • Dog insurance
  • Cat insurance
  • Preventative insurance

Similar to the pet health insurance reviews, Pets Best covers:

  • Accidents
  • Illness
  • Cancer treatment
  • Hereditary/congenital conditions
  • Emergency care
  • Hospitalization
  • Surgery
  • Prescription medications
  • Chronic conditions
  • Diagnostics
  • Physical rehabilitation
  • Behavioral conditions
  • Dental coverage
  • Prosthetic devices
  • Euthanasia
  • Travel

The Canine Journal pet insurance reviews named Petplan in 3rd place among the best pet insurance companies in 2017.

Another reason it deserves high pet insurance ratings is that there is no age limit for pets, so older animals can be covered with their best-rated pet insurance.

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Trupanion Review

Trupanion will wrap up our pet insurance reviews. As one of the best pet insurance companies, Trupanion offers coverage with any veterinarian in the United States, Puerto Rico, or Canada.

pet insurance providers - trupanion

Image Source: Trupanion

While you will have the choice of a deductible from $0 to $1,000, there are otherwise no customizable options for this best pet health insurance. The plan from this top-rated pet insurance has 90% coverage and no annual limits. Eligible conditions include:

  • Diagnostic tests
  • Surgeries
  • Hospital stays
  • Medications
  • Veterinary supplements
  • Prosthetic devices
  • Carts

Trupanion has a unique feature among pet insurance providers called the Pet Owner Assistance Package, which you can purchase at an additional fee. This includes coverage for the following events:

  • Third-party property damage caused by your pet
  • Trip cancellation due to sick pet
  • Pet boarding if you are hospitalized
  • Reward and advertising costs for lost pets
  • Cremation or burial costs when pet suffered an accident

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Conclusion—Top 6 Pet Insurance Providers

Now that you have read through the pet insurance reviews of our 6 best pet insurance companies of 2017, you can go through and choose which will be the right top-rated pet insurance to keep your dog or cat covered.

The easiest way to choose between the pet insurance providers is to fill out the quote forms on each website. You will know what you can expect to pay for your top pet insurance coverage.

Give your pet the gift of the best-rated pet insurance coverage no matter what he or she encounters in 2017 by choosing one of these best pet insurance companies today.

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.