5 Excellent Pet Insurance Choices for U.S. Cats and Dogs

5 Excellent Pet Insurance Choices for U.S. Cats and Dogs

Pets, the silent heroes of our lives, offer us a unique blend of love and companionship. Like any cherished family member, their health and wellbeing are of paramount importance. While pet owners pay meticulous attention to their pets' diet, exercise, and overall lifestyle, another crucial aspect often stays under the radar – pet insurance. Navigating unexpected veterinary bills can be a daunting task, and pet insurance offers financial security in these challenging moments. Here are brief reviews of five alternative pet insurance options in the U.S., each shining in its unique ways.

1. ASPCA Pet Health Insurance

The American Society for the Prevention of Cruelty to Animals (ASPCA) is renowned for its commitment to animal welfare. Its pet insurance program reflects this dedication. What sets ASPCA apart is its customizable coverage, allowing pet owners to adjust the deductible, reimbursement percentage, and annual limit according to their budget. Furthermore, their preventative care option, available for an additional cost, covers essential services like vaccinations and routine wellness exams.

You may also be swayed to use the ASPCA based on their great reputation. With roots grounded in animal welfare, the company extends its ethos of compassion and care to its insurance programs. As an insurer with a heart for animals, ASPCA Pet Health Insurance lives up to its mission in every aspect.

2. Figo

Figo's cloud-based platform takes pet insurance into the digital age. It allows policyholders to manage their pet's insurance, medical records, and more right from their smartphone. Beyond this, Figo offers a comprehensive coverage that includes hereditary and congenital conditions, as well as chronic illnesses. With three customizable plans, Figo enables pet owners to choose the perfect balance between cost and coverage.

With Figo, everything you need is literally at your fingertips. The Pet Cloud feature even includes a lost pet service, utilizing technology to help find your missing pet. Figo's commitment to customer service is another reason pet owners love this company. The insurer offers 24/7 customer support, ensuring you can get help when you need it, a comforting thought when dealing with a pet health crisis.

3. Pets Best

Pets Best shines with its flexible approach towards pet insurance. It offers an optional wellness plan that can be added to any insurance policy, covering routine care costs. Their comprehensive plans also cover accidents, illnesses, cancer treatments, and even acupuncture and chiropractic care. Importantly, Pets Best doesn't impose an upper age limit for coverage, making it an ideal choice for senior pets.

Pets Best goes the extra mile to support its policyholders. With a 24/7 pet helpline, policyholders can have their pet health questions answered at any time, adding another layer of assurance. Its fast claims processing is another major draw – Pets Best strives to process most claims within five days. This rapid turnaround can alleviate financial stress and let pet owners focus on their pet's recovery.

4. Pumpkin

Pumpkin, a relative newcomer to the pet insurance world, has quickly made a name for itself. Its coverage is comprehensive, including everything from accidents and illnesses to behavioral problems and dental disease. Plus, Pumpkin offers a preventative care package that covers vaccines, screenings, and a yearly wellness exam. Its dedication to preventative health makes Pumpkin an appealing choice for proactive pet parents.

Pumpkin places a particular emphasis on transparency. They provide clear, upfront information about what is and isn't covered, preventing any unwelcome surprises. Furthermore, Pumpkin doesn't implement a maximum age limit for their policies. So, whether you're insuring a young kitten or an older cat, Pumpkin has your pet covered. It's this mix of clarity and inclusivity that sets Pumpkin apart in the pet insurance industry.

5. AKC Pet Insurance

AKC Pet Insurance, affiliated with the American Kennel Club, is another notable contender in the realm of pet insurance. What sets AKC apart is its unique "Defender" and "DefenderPlus" plans that offer coverage for wellness and preventative care, a feature appreciated by proactive pet parents. Additionally, they offer a range of policies that can be tailored to suit individual needs, whether it's basic accident and illness coverage or more comprehensive plans that include hereditary and congenital conditions. A standout feature of AKC Pet Insurance is their 30-day certificate providing temporary coverage, which comes with every AKC registration – a testament to their commitment to the wellbeing of all pets.


Selecting the ideal pet insurance policy is not a decision to be taken lightly. It requires careful thought, weighing your pet's unique needs against your financial capabilities. Whether it's the adjustable coverage plans of ASPCA and Figo, the senior-friendly policies of Pets Best, or Pumpkin's focus on preventative care, each of these pet insurance providers brings a unique strength to the table. And then, there's the versatile coverage of AKC Pet Insurance, which impresses with its provision for temporary coverage and wellness-focused plans, ensuring the wellbeing of your pet is a priority.

So, when you're choosing insurance for your furry companion, remember that every pet is unique, and their insurance should reflect that uniqueness. From the youngest kittens and puppies to the most senior dogs and cats, the assurance of robust coverage provides peace of mind for pet owners. After all, our pets are worth nothing less than the best, and that includes the insurance coverage that guarantees them the best possible healthcare.

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