Pet Insurance in the United States

Pet Insurance
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Pet Insurance is almost unheard of but lately, it has begun to gain some traction with people asking for where to buy pet insurance in the United States. 

Insurance needs are growing and evolving. Due to the overwhelming risks and threats we face daily, insurance companies are developing better policies to help cushion their effect. 

They have now made it possible to not only insure your life, health, and home but also your pet. This article covers the fundamentals of pet insurance, where to buy pet insurance in the United States, its provisions and exclusions, and the benefits of purchasing it. 

It is undeniably true that our pets face a lot of threats. From the outbreak of animal diseases to an accident, they are very much vulnerable. 


What Is Pet Insurance?

Simply put, pet insurance is an insurance cover specifically designed for pets. 

It covers the cost of caring for cats, dogs, and other household pets when they suffer an unexpected sickness or sustain bodily injuries from accidents. 

Although there is no standard for pet insurance yet some companies have begun to roll out packages to cater to this insurance need. 

Lawmakers say they are working on setting regulatory standards that would be appropriate for the industry. Nonetheless, each insurance company has its provisions, so you would be doing yourself good if you carefully go through the certificate of policy. 

What Does Pet Insurance Cover?

Like I said earlier on, each insurance company is uniquely different in what they are offering in their policy statement. 

You would have to sift through the records to see which company is offering the kind of cover you are interested in. 

Generally, pet insurance will cover the following: 

  • Visits to the Vet emergency room
  • Surgeries 
  • Treatment of animal cancer 
  • Conduction of MRIs, X-rays, and diagnostic tests
  • Vet consultations

These are the basis of what pet insurance covers. It is quintessential to note that the policy has some exclusions. 

Certain things would not be covered and you must be in the know about what they are. 

What Is Not Covered By Pet Insurance?

Pet insurance will not cover costs caused by or incurred during any of the following events: 

  • Regular preventive services like neutering, annual exam fees e.t.c
  • Waiting periods 
  • Pet dental problems 
  • Congenital and hereditary diseases
  • Health conditions existing before the insurance 
  • Rehabilitative treatment or therapy (included by some companies)
  • Liabilities either on you or a third-party


Cost of Pet Insurance Rates in the United States

The cost of pet insurance rates in the US starts from around $15 to $300 per month. Insurance companies around the United States use various metrics to arrive at their insurance rate hence the disparity in cost.

Factors That Affect Pet Insurance Rates 

The following are factors that affect pet insurance rates in the United States: 

  • Age of pet 
  • Breed of pet 
  • Medical history of pet 
  • Insurance type and option 

One would expect to pay more when they are insuring an older pet with comprehensive coverage. 

Is Paying Pet Insurance Worth It?

The short, simple answer is Yes! Paying for pet insurance is worth it. 

Pet faces the risk of epidemic outbreaks and accidents and treatment runs in thousands of dollars.

It can be disheartening to lose a pet just because there isn’t enough money to treat them. 

Also, you would be saving yourself a lot of money and time when you insure your pets. 

With that, let’s look at some of the pet insurance companies in the United States that are highly recommended. 

Top Pet Insurance Companies in the United States

  • Figo Pet Insurance
  • Trupanion 
  • Healthy Paws
  • Pets Best 
  • Nationwide 
  • ASPCA 

Figo Pet Insurance

Figo shines on top of the list of best pet insurance companies in the United States.

They have a wide variety of options to assist policyholders, helping to simplify the insurance process. 

Their customer care can be reached either via Twitter, text, chat, email, and even phone calls.

Regardless of the age of your pets, Figo services insurance to all and offers users a 30-day money-back guarantee 

With Figo pet insurance, you can enter into any Vet clinic in Puerto Rico, Canada, and the United States to have your pet attended to.

One downside to Figo pet insurance is that it does not offer wellness coverage and accident-only plans. You will be required to buy both accident and illness plans separately

Waiting periods with Figo is about 3 days for injuries and 14 days for illness



Trupanion follows hot-on-the-heels behind Figo. The insurance company covers up to 90% of the cost of vet visits with no limit on payout.

Based in Seattle, Washington, Trupanion offers pet insurance for cats and dogs for people living in Australia, Canada, Puerto Rico, and the United States

The insurance policy covers a wide range of pet emergencies. What it does not cover is the cost of preventive care.

No annual limits, no riders for routine wellness, 90% reimbursement, 24/7 customer service, Trupanion is the company to go-to if you want affordable insurance for your cat or dog.

Pets Best 

Pets Best are great for their extremely low premiums, affordable discounts, easy-to-use online tools, and not forgetting her accident-only and wellness plans.

The company adopts a digital approach to insuring pets. In 2011, Pets Best became the first insurance company for pets to allow the filing of claims electronically.

If you are on a budget and need to get your pet insured try Pets Best. You can buy an insurance policy for as low as $10 per month.

With Pets Best, the accident-only and wellness plans have a flat rate that is all pets of the same species costs the same amount regardless of their age, breed, e.t.c to be insured. 

Nationwide Pet Insurance 

With an A+ rating from A.M Best Rating Services, Nationwide is a great place to buy insurance for your pets. 

Nationwide offers more comprehensive coverage than others in this category. They insure not only cats and dogs but every household pets.

it is also worthy of note that they are quite expensive nonetheless quality comes with a price.

You can insure birds, reptiles, small mammals, and other exotic pets and equally enjoy a discount when you ensure multiple pets at once.

Suppose you own a pet other than a cat or dog, Nationwide will give you the best of insurance.

Healthy Paws Pet Insurance

If you’re looking for a simple, hassle-free pet insurance policy that will give you up to 90% reimbursement on vet bills, you just found one.

Healthy Paws offer unlimited annual benefits, a quick claim resolution process, and comprehensive cover for unexpected accidents and illnesses.

You can be sure your pet is insured by safe hands as Healthy Paws is backed by Chubb one of the leading insurance companies in the United States. 

There are two drawbacks to the Healthy Paws pet insurance policy. One is that they offer a single policy for accidents and illnesses. Secondly, old pets are not well-favored.



This is the cheapest pet health insurance. ASPCA offers full pet insurance benefits at a low price, much lower than the average.

Not too many insurance companies offer insurance cover for horses but ASPCA does including cats and dogs.

With their pet insurance policy, you can be attended to by any veterinary doctor or clinic in the US and Canada.

Although very cheap, their policies are written by third-party agencies therefore did not exert maximum control over them.

Pet Insurance Waiting Period 

The waiting period for pet insurance differs from company to company. It also depends on the manner of coverage. 

But generally, waiting periods spans from 3 to 14 days. 


I believe you’re no more in doubt about where to buy pet insurance in the United States. Any of the above-mentioned insurance companies offer excellent pet insurance policies and you may want to try them out for your pets’ safety and security.

Brodrick Emmanuel Ebube
Brodrick Emmanuel Ebube is the content manager at He works with other contributors from the ideation of content and down to its execution. He ensures that all articles published on our blog meet international standards, and are well-optimized for search engines. Connect with him on Twitter - @gospelcaster_ng

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