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An Introduction to Our List of Pet Insurance Providers

Find quick overviews and helpful highlights for the eight companies included on our list of top-rated pet insurance providers.

Clayton Tarantino

April 4, 2022

At best, the search for the pet insurance provider can feel a bit boring —at worst, the process can be repetitive and frustrating. To help you on your pet insurance journey, we’ve narrowed the list down from every pet insurance provider on the market to our grouping of eight of the top-rated brands.

To make the process even easier for you, we’ve distilled the most important info on each company into bite-sized blurbs. For each company on our list, we’ve included a short synopsis, two of the company’s unique features, and a hyperlink to that company’s website.

Get ready to be a leg up on your pet insurance search, below:


Best for:
Additional coverage for alternative therapies

Description: Spot understands that your dog or cat is more of a family member than a pet. Spot can provide coverage for accidents, illnesses, hereditary conditions, behavioral issues, alternative treatments, and chronic conditions. It also offers a preventative care add-on, so customers can save money on necessities like dental cleaning and de-worming.

Unique Features:

    • 30-day Money-back Guarantee: If Spot isn’t right for you and your furry friend, you get all of your money back.
    • Outside-the-box Coverage: In addition to the usual accident and illness coverage, Spot may provide protection for alternative therapies, therapeutic diets, and some chronic conditions.

Get a Spot Quote


Best for:
Saving each month with stacking discounts

Description: Thanks to free pricing quotes, photo claim filing, and 24–48 hour reimbursements; Wagmo is the king of pet insurance convenience. Customers can apply for two types of pet insurance: traditional and preventative. Traditional pet insurance protects customers against the weighty veterinary bills included with accidents, sicknesses, and medicines. Preventative insurance covers some veterinary bills for services like blood tests, vaccines, and checkups.

Unique Features:

    • Stacking Discounts: Customers can snag these great discounts, both of which can stack on to each other and save you even more: 1) Multi-pet: Save 10% when you cover multiple pets and 2) No Claims: Save 15% when you renew your coverage after 1 year without filing a claim.
    • Variety of Preventative Care: Wagmo customers can add on one of three preventative care packages to extend their pet’s protection. Three package options make preventative care an affordable choice for more pet parents.

Get a Wagmo Quote


Best for:
Coverage for some pre-existing conditions.

Description: Pumpkin offers insurance protection for puppies, dogs, kittens, and cats. Traditional coverage protects against accidents and illnesses, while optional preventative packages cover treatments meant to protect against illnesses.

Unique Features:

    • Multi-pet Discount: Customers save when they cover multiple pets.
    • Coverage for Some Pre-existing Conditions: Unlike other competitors, Pumpkin can cover pre-existing conditions in certain scenarios. The Pumpkin website says, “If a pre-existing condition is curable (e.g., UTI, paw fracture), was cured, and has been symptom- and treatment-free for 180 days, Pumpkin can cover the condition if it occurs again in the future, with the exception of knee & hind leg ligament conditions. This WILL NOT be the case with all insurance providers.”

Get a Pumpkin Quote


Best for:
Affordability, thanks to low monthly premiums.

Description: Lemonade mixes simplicity, affordability, and charitability for a pet insurance plan that gives back. Coverage encapsulates the three pillars of veterinary service: diagnostics, procedures, and medication. With the bonus of an easy-to-use companion app, filing a claim through Lemonade only takes a few minutes.

Unique Features:

    • Affordability: Pricing starts as low as $10/month.
    • Charitability: After Lemonade takes out a flat fee to pay out a customer’s claim, a portion of the leftover funds is donated to animal welfare organizations.

Get a Lemonade Quote


Best for:
Risk-free trial period.

Description: The American Society for the Prevention of Cruelty to Animals® (ASPCA®) is well-known for its care for all animals. Now, pets in happy homes can benefit from ASPCA’s caring hand with ASPCA pet insurance. ASPCA Pet Health Insurance offers medical coverage for dogs and cats of any age. Customers can choose from three plans: Complete CareSM, Accident-only, and Preventative Care (an add-on package).

Unique Features:

    • 30-day Money-back Guarantee: If ASPCA pet insurance isn’t right for you, you can get all of your money back.
    • Customizable Coverage: Customers can design their pet insurance based on their budget. If you have a little more to spend, you can opt-in for preventative care. If you want to pay a little less, you can sign up for accident-only coverage.

Get an ASPCA Quote

See Our Entire List

Now that you know everything there is to know about eight of the best pet insurance providers on the market, feel free to head back to our vetted list of top companies:

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