Pet insurance helps pet owners manage healthcare costs and avoid unexpected expenses. Evaluating coverage options, comparing leading providers, and weighing their benefits and limitations can help you choose a plan that fits your budget and meets your pet’s medical needs.
The most competitive pet insurance options come from State Farm, Progressive, snd Nationwide offering rates starting at $30 per month.
These companies provide affordable plans, broad coverage, and flexible options to ensure financial protection for pet owners.
Pet insurance prices are specific to the animal in question and the type of coverage you want, so the sign up process begins with you providing information on the provider’s website about the species, breed, age and basic medical history of your pet (see What Does Pet Insurance Cover and Not Cover?).
You will then get a quote which you can adjust by changing your deductible, reimbursement percentage, annual limit, and coverage plan if the provider has a tiered pricing system.
Once you’ve purchased your policy, you’ll be able to call and get pre-approval for any medical procedure your pet is undergoing to make sure the provider covers it under the policy. Some providers will pay the vet directly, while other providers will reimburse you after you pay the vet. The amount of time it will take to get reimbursed varies, however some providers commit to processing claims in a matter of days.
10 Best Pet Insurance Companies
| Rank | Pet Insurer | Best For | Discount |
| 1 | State Farm | Comprehensive Coverage | 5% |
| 2 | Progressive | Flexible Plans | 7% |
| 3 | Allstate | Competitive Rates | 6% |
| 4 | Nationwide | Extensive Options | 9% |
| 5 | USAA | Member Benefits | 8% |
| 6 | Farmers | Reliable Service | 6% |
| 7 | GEICO | Extensive Network | 8% |
| 8 | AAA Insurance | Membership Perks | 5% |
| 9 | American Family | Customer Service | 6% |
| 10 | The Hartford | Trusted Reputation | 7% |
Pet Insurance Providers Overview
| Insurer | Coverage | Key Features | Best For | Limitations |
| State Farm | Accidents, illnesses, some routine care | Reliable claims process, trusted brand | Comprehensive coverage | Limited customization, higher premiums |
| Nationwide | Accidents, illnesses, wellness coverage | Broad plan selection, wellness add-ons | Extensive coverage options | Complex plan choices, higher premiums |
| Progressive | Flexible plans with add-ons | Customizable coverage, cost-effective options | Budget-conscious pet owners | Requires careful selection, policy details can be complex |
| USAA | Accidents, illnesses, routine care | Member-exclusive perks, military support | Military families | Eligibility restricted to military members, possible premium increases |
| Farmers | Accidents, illnesses, various pet needs | Stable provider, reliable service | Consistent customer support | Higher premiums, fewer customization options |
| Geico | Veterinary services and treatments | Extensive provider network, competitive pricing | Wide vet access | Some specialized services may be excluded, service quality varies |
| AAA | Broad pet health coverage | Member discounts, additional AAA benefits | AAA members | Membership required, higher premiums due to perks |
| Allstate | Accidents, illnesses, pet health needs | Budget-friendly, strong customer service | Affordable coverage | Limited flexibility, extensive plans can be costly |
| American Family | Accidents, illnesses, multiple pet coverage | Excellent customer support, multi-pet discounts | Households with multiple pets | Higher premiums, limited specialized treatment coverage |
| The Hartford | Comprehensive pet health coverage | Trusted reputation, reliable claims process | Stability and reliability | Less flexibility, higher costs |
Each of these insurers offers distinct advantages, so selecting the right one depends on budget, coverage needs, and eligibility requirements.
Pet Insurance Monthly Rates by Coverage
| № | Insurer | Minimum Coverage | Full Coverage |
| 1 | AAA Insurance | $31 | $61 |
| 2 | Allstate | $33 | $64 |
| 3 | American Family Insurance | $30 | $59 |
| 4 | Farmers Insurance | $29 | $56 |
| 5 | GEICO | $29 | $57 |
| 6 | Nationwide | $33 | $63 |
| 7 | Progressive | $30 | $59 |
| 8 | State Farm | $28 | $55 |
| 9 | The Hartford | $32 | $60 |
| 10 | USAA Insurance | $30 | $58 |
Compare monthly rates for pet insurance across various providers. For minimum coverage, rates start at $28 with State Farm and go up to $33 with Allstate and Nationwide. For full coverage, prices range from $55 with State Farm to $64 with Allstate.
1. State Farm
State Farm provides a well-rounded pet insurance plan backed by a strong reputation in the insurance industry. Coverage includes accidents, illnesses, and some routine care. It offers a straightforward claims process and reliable customer support. However, customization options are limited, and premiums may be higher due to broad coverage.
Pros:
- Covers accidents, illnesses, and some routine care.
- Efficient claims process with a well-established reputation.
- Backed by a trusted insurance brand.
Cons:
- Premiums may be higher due to extensive coverage.
- Limited customization for specific pet needs.
State Farm is one of the largest insurance providers in the United States, offering a wide range of financial services, including auto, home, and pet insurance.
Founded in 1922, the company has built a strong reputation for reliability and customer service. Its pet insurance plans cover accidents, illnesses, and some routine care, ensuring protection for pet owners.
State Farm operates through a network of agents, providing personalized assistance. While its policies offer broad coverage, customization options may be limited, and premiums can be higher. Despite this, its long-standing industry presence makes it a trusted choice for pet insurance.
2. Progressive
Progressive is known for its flexible pet insurance plans. Policyholders can adjust coverage levels and select from various add-ons to fit their budget and needs. Its affordability makes it a strong option, but customizable plans require careful selection to avoid gaps in coverage. The details can also be difficult to understand for new buyers.
Pros:
- Adjustable limits and add-ons.
- Competitive pricing with plan customization.
- Variety of optional extras.
Cons:
- Gaps in coverage if essential protections are not selected.
- Policy details may be difficult to navigate.
Progressive is a well-known insurer specializing in auto, home, and pet insurance.
Founded in 1937, the company is recognized for its innovative approach and competitive pricing. Its pet insurance plans provide flexible coverage with adjustable limits and add-ons, allowing pet owners to customize policies.
Progressive offers cost-effective solutions, making it attractive for those seeking budget-friendly insurance. However, policyholders need to carefully select their plans to avoid coverage gaps. Understanding policy details can also be complex. Despite this, Progressive’s strong market presence and affordability make it a reliable option for pet owners looking for flexible insurance.
3. Allstate
Allstate is a budget-friendly option with a strong reputation for customer service. It offers various coverage options that address common pet health needs. Despite competitive pricing, the plans have limited customization, and premiums for more extensive coverage can become costly.
Pros:
- Budget-friendly pricing.
- Covers a wide range of pet health needs.
- Strong customer service reputation.
Cons:
- Less flexibility in coverage customization.
- Costs increase with broader protection.
Allstate is a major insurance provider that has been serving customers since 1931. The company offers a variety of insurance products, including pet coverage with competitive pricing.
Allstate’s pet insurance plans cover accidents, illnesses, and essential veterinary care, making them an affordable choice for many pet owners.
The company is known for its responsive customer service and straightforward claims process. However, policy customization is limited, and more extensive plans can become costly. Despite this, Allstate remains a strong contender for pet owners looking for budget-friendly insurance backed by a well-established provider.
4. Nationwide
Nationwide stands out for its variety of pet insurance plans, catering to different needs. It includes wellness coverage that many competitors do not offer. With its extensive reach, pet owners can access policies nationwide. However, selecting the right plan can be complex, and comprehensive coverage may come with higher premiums.
Pros:
- Offers multiple policy options.
- Includes wellness coverage often unavailable elsewhere.
- Includes wellness coverage often unavailable elsewhere.
- Strong national presence.
Cons:
- Plan selection can be complicated.
- Comprehensive plans may have higher premiums.
Nationwide is a leading insurance provider with a presence across the United States. Originally founded in 1926, the company offers diverse insurance products, including pet coverage.
Nationwide’s pet insurance includes accident, illness, and wellness plans, making it one of the few insurers to offer routine care.
Its plans cover a wide range of treatments and services, appealing to pet owners seeking comprehensive protection. However, selecting the right policy can be challenging due to multiple options, and premiums for extensive coverage tend to be higher. With its broad reach and strong financial backing, Nationwide remains a popular choice.
5. USAA Insurance
USAA offers pet insurance exclusively to military families, providing unique perks and discounts. It delivers a broad range of coverage and specialized support tailored to military personnel. However, eligibility restrictions limit access, and premiums may increase over time despite initial discounts.
Pros:
- Member-exclusive perks and discounts.
- Comprehensive options tailored for different pet needs.
- Specialized support for military families.
Cons:
- Limited to active and former military personnel.
- Potential for premium increases.
USAA is an insurance and financial services company that primarily serves military members, veterans, and their families. Established in 1922, it is known for its customer-first approach and exclusive benefits.
USAA’s pet insurance provides comprehensive coverage, including accidents, illnesses, and wellness care, with special perks for military personnel.
Its plans are designed to meet the unique needs of service members, offering competitive pricing and reliable claims support. However, coverage is restricted to military families, and premiums may increase over time. Despite these limitations, USAA remains a top choice for those eligible due to its strong reputation and tailored services.
6. Farmers Insurance
Farmers is a reliable choice with a strong reputation for customer service and claims handling. It provides extensive coverage options for various pet health concerns. While it offers stability, the cost may be higher than some competitors, and policy customization is somewhat limited.
Pros:
- Strong reputation for customer service.
- Broad coverage for various pet health concerns.
- Stability in the insurance market.
Cons:
- Premiums may be higher for consistent service quality.
- Fewer customization options.
Farmers Insurance is a major provider of auto, home, and pet insurance, known for its dependable service.
Founded in 1928, the company has built a solid reputation for handling claims efficiently and providing strong customer support.
Its pet insurance covers a variety of health issues, including accidents and illnesses, with extensive options for different pet needs. Farmers is considered a stable and reliable choice, though premiums can be higher than some competitors. Additionally, policy customization is somewhat limited. Still, for those who prioritize consistent service and a well-established provider, Farmers remains a trusted name in pet insurance.
7. GEICO
Geico’s pet insurance is attractive due to its wide network of veterinarians and competitive pricing. It covers a broad range of treatments, ensuring flexibility in selecting a provider. However, some specialized services may not be included, and customer experiences can vary depending on the policy.
Pros:
- Access to a wide network of veterinarians.
- Competitive pricing.
- Covers a broad range of veterinary treatments.
Cons:
- Some specialized care may not be included.
- Customer experience varies by policy.
Geico is one of the largest insurance providers in the United States, known for its affordable policies and extensive network.
Established in 1936, the company offers pet insurance through partnerships, covering a range of veterinary treatments. Geico’s plans are competitively priced, making them an attractive option for cost-conscious pet owners.
Its extensive network provides flexibility in choosing veterinarians, but some specialized treatments may not be covered. Customer experiences can also vary depending on the policy provider. Despite this, Geico’s affordability and brand reliability make it a strong option for those seeking pet insurance with flexible provider access.
8. AAA Insurance
AAA provides pet insurance with exclusive discounts for its members. Policies offer broad coverage and additional AAA membership benefits. However, pet insurance is only available to AAA members, and premiums may be higher due to the added perks.
Pros:
- Exclusive discounts for members.
- Extensive coverage for different pet health issues.
- Additional AAA benefits, such as roadside assistance.
Cons:
- Requires an active AAA membership.
- Premiums may be higher due to added benefits.
AAA is best known for its roadside assistance services, but it also offers a range of insurance products, including pet coverage.
Founded in 1902, AAA provides exclusive member benefits, including discounts on pet insurance. Its plans offer broad coverage for accidents and illnesses, with additional perks for AAA members.
However, only members can access these insurance plans, and premiums may be higher due to added benefits. AAA’s strong reputation and member-focused services make it a good option for those already enrolled in its programs. The combination of insurance and membership benefits adds value for pet owners.
9. American Family Insurance
American Family is recognized for its excellent customer service and broad coverage options. It provides discounts for insuring multiple pets, making it a cost-effective choice for households with several animals. However, premiums may be higher for premium support, and some specialized treatments may not be covered.
Pros:
- Highly rated customer support.
- Multiple coverage options.
- Discounts for insuring multiple pets.
Cons:
- Premiums may be higher for superior service.
- Some specialized treatments may not be covered.
American Family Insurance, founded in 1927, is a trusted provider offering home, auto, and pet insurance. It is particularly known for its strong customer service and policyholder support.
Its pet insurance plans include coverage for accidents, illnesses, and multi-pet discounts, making it a good choice for households with multiple pets.
However, its premiums may be higher than some competitors, and specialized treatments may not be fully covered. Despite these factors, American Family’s dedication to customer satisfaction and broad coverage options make it a reliable choice for pet owners seeking strong service and protection.
10. The Hartford
The Hartford is a trusted name in insurance, offering comprehensive pet coverage with a reliable claims process. Its reputation makes it a preferred option for many pet owners. However, its plans are less flexible compared to competitors, and premiums can be on the higher side.
Pros:
- Trusted name in insurance.
- Comprehensive coverage for various conditions.
- Reliable claims processing.
Cons:
- Premiums may be higher.
- Less flexibility compared to competitors.
The Hartford is a respected insurance company with a long history dating back to 1810. It is known for its reliable claims process and comprehensive insurance offerings, including pet coverage. Its pet insurance policies cover various medical conditions and treatments, making them suitable for pet owners seeking extensive protection.
However, The Hartford’s policies may have higher premiums, and plan customization is limited. Despite this, its solid reputation, financial stability, and commitment to policyholder support make it a trusted choice for those looking for long-term insurance solutions for their pets.
FAQ about Pet Insurance
Pet insurance typically covers accidents, illnesses, surgeries, medications, and emergency care. Some plans include wellness visits, vaccinations, and preventive treatments, but coverage varies by provider and policy type.
Premiums range from $20 to $70 per month, depending on factors like your pet’s age, breed, health, and location. Plans with more extensive coverage and lower deductibles tend to have higher premiums.
Pet insurance can help offset expensive veterinary bills, especially for emergencies or chronic conditions. If your pet requires costly treatments, insurance can provide significant financial relief.
Most pet insurance providers do not cover pre-existing conditions. However, some companies may cover treatable conditions if the pet has been symptom-free for a specific period.
Pet owners typically pay the vet upfront, submit a claim to the insurance company, and receive reimbursement based on their policy’s terms. Some providers offer direct payment options at certain clinics.
Most pet insurance plans allow you to visit any licensed veterinarian, including specialists and emergency clinics. However, some insurers have preferred networks that may offer additional benefits.
Key considerations include coverage options, exclusions, reimbursement rates, deductibles, waiting periods, and premium costs. Comparing multiple providers helps ensure you select a plan that fits your pet’s healthcare needs and budget.
