Insurance Provider Reviews

Read in-depth reviews of our favorite insurance brands of 2022.

Last Updated: September 2022

Spot

Spot
  • Save 10% for Multiple Eligible Pets
  • Ability to build your own customizable plans
  • Up to 90% back on covered vet bills

Spot offers comprehensive pet insurance for cats and dogs. Customers can get pet coverage for accidents, illnesses, hereditary conditions, behavioral issues, alternative treatments, and chronic conditions. Spot also offers a preventative care add-on, so customers can save money on necessities like dental cleaning and de-worming.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance
  • Save 10% for Eligible Multi Pets
  • $5,000 to unlimited annual limit
  • Choose reimbursement percentage and annual deductible

You may be familiar with the American Society for the Prevention of Cruelty to Animals® (ASPCA®) from the work it does for vulnerable and abused animals. The non-profit organization extends its trademark helping hand to animals living in happy homes with the creation of ASPCA Pet Health 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). With medical bills covered up to 90%, a 30-day money-back guarantee, and mobile app claim filing; ASPCA makes it easy and affordable to provide the right care for your pet.

Healthy Paws

Healthy Paws
  • Flexible Premium and Deductible Options
  • Over 550,000 pets insured
  • Most claims processed within 2 days

Healthy Paws is a pet insurance provider that specializes in straightforward, comprehensive coverage. There are no confusing packages or add-ons—instead, Healthy Paws offers one, simple coverage plan designed to protect your dog or cat through nearly every stage in life. With a reimbursement rate of up to 90%, you can focus on getting your pet the care they need instead of worrying about the final price of the vet bill.

Pumpkin

Pumpkin
  • Voted “Best for Comprehensive Coverage” by Business Insider
  • 90% reimbursement rate
  • 10% multi-pet discount for each additional pet

Pumpkin offers plans for dogs, puppies, cats, and kittens. Customers have access to benefits such as discounts when covering multiple pets and optional add-on packages for non-insurance preventative care.

Lemonade

Lemonade
  • 10% Off Bundle Discount
  • Starting as low as $10/month
  • See any licensed vet in the US

Customers can pay as little as $10/month for essential coverage, with price reductions for bundling protection. The Lemonade app makes filing claims and receiving reimbursements simple, taking just a few taps on a smartphone. Perhaps best of all, Lemonade donates leftover claim money to animal welfare organizations of each customer’s choosing. .

Eusoh

Eusoh
  • $10 Off the First 3 Months for Cats with Code: Cats4Eusoh
  • Comprehensive coverage: Illness, accidents, wellness, medications, and tele-vet are all included
  • $35/mo. for cats & $75/mo. for dogs—All breeds, any age

Eusoh is a community health sharing plan for dog and cat owners. If your pet gets injured or sick, Eusoh’s pool of community funds can cover up to 80% of your veterinary bill. Unique benefits—such as 24/7 vet telehealth and preventative care coverage—add to the feeling that Eusoh members are part of a larger, pet-loving community.

Fetch by the Dodo

Fetch by the Dodo
  • Up to 10% Off Monthly Discount on Every Plan
  • Enroll pets as young as six weeks

One look at the Dodo’s website—with posts like “Duck Follows His Dog Brother Everywhere”—and it’s obvious that the Dodo team loves animals. To take this love a step further, the Dodo created Fetch: a comprehensive pet insurance plan for dog and cat owners. With unique coverage inclusions such as breed-specific ailments, chiropractic care, and separation anxiety treatment, Fetch customers can benefit from coverage designed by people who put their pets first.

Wagmo

Wagmo
  • Save Up to 10% For Eligible Multi-Pets + Up to 15% Off for No Claims at Renewal
  • Up to 100% of vet fees reimbursed after deductible is met
  • See any licensed vet of your choice: virtual, in-home, or in-office

The Wagmo team set out to make pet insurance simple. With free price quotes, photo claim filing, and 24–48 hour reimbursement, Wagmo has achieved that goal for its customers. Wagmo offers pet insurance for dogs, cats, puppies, and kittens. 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. On top of free price quotes, Wagmo customers can score stackable discounts on their premium payments.

Ladder

Ladder
  • Starting at $5/mo.
  • No medical exams, just a few health questions, for up to $3M
  • 30-day money-back guarantee

Ladder offers flexible term life insurance plans to customers in all 50 states. Customers can apply to receive coverage anywhere from $100K–$8 million, depending on their needs. All coverage is adjustable, meaning customers can decrease or apply to increase their coverage payout as their needs change throughout their lives. New customers can apply for coverage completely online, a process that takes only about five minutes. With premiums starting at $5/month*, Ladder can be an affordable option for almost anyone.

Bestow

Bestow
  • The only 100% no medical exam term life insurance
  • Rates starting at $10/mo
  • Coverage from $50,000–$1.5 million

Bestow offers term life insurance policies starting at $10/mo. Customers can choose their coverage term for 10, 15, 20, 25, or 30 years and pay for coverage ranging from $50,000–$1.5 million. Bestow offers medical-exam-free term life insurance policies: customers never have to get a medical exam to receive up to seven figures in coverage.

Ethos

Ethos
  • Same Day Coverage with Instant Approval for Many
  • Zero medical exams required for term policies up to $2 million
  • Coverage from $20,000–$2 million

Ethos uses quick and easy online applications to offer term and whole life insurance policies. The majority of customers can apply for coverage without having to receive a medical exam, and most applicants are accepted on the same day they apply. The online nature of the Ethos process keeps costs down, meaning Ethos can offer extensive life insurance coverage at fair prices.