Top Pet Insurance in America Chosen by Vets in 2024

Top Pet Insurance in America Chosen by Vets in 2024

With veterinary costs on the rise, having reliable pet insurance can provide peace of mind and financial security. Here are the top pet insurance providers in America, as recommended by veterinarians in 2024:

When selecting a pet insurance plan, consider the following factors:

• Coverage Needs: Determine whether you need comprehensive coverage that includes wellness care, or if an accident-only plan is sufficient.

• Budget: Consider the monthly premium and any potential out-of-pocket costs, such as deductibles and co-pays.

• Exclusions: Be aware of any exclusions in the policy, such as pre-existing conditions or breed-specific conditions.

• Claims Process: Look for providers with a straightforward claims process and good customer reviews regarding claim settlements.

• Vet Recommendations: Consult your veterinarian for recommendations based on your pet’s specific health needs and risk factors.

1.Healthy Paws Pet Insurance

• Coverage: Comprehensive coverage for accidents, illnesses, cancer, emergency care, and alternative treatments.

• Benefits: No annual or lifetime caps on payouts.

• Customer Service: Highly rated for fast claim processing and excellent customer support.

• Why Vets Recommend It: Extensive coverage and the company’s commitment to animal welfare through its foundation.


• Coverage: Covers unexpected injuries and illnesses, including hereditary and congenital conditions.

• Benefits: Direct payment to veterinarians in their network, so you don’t have to pay out of pocket and wait for reimbursement.

• Customer Service: 24/7 customer support and easy claims process.

• Why Vets Recommend It: Simplified claim process with direct vet payments, reducing financial stress during emergencies.

3.Embrace Pet Insurance

• Coverage: Accidents, illnesses, genetic conditions, dental illnesses, and wellness rewards for routine care.

• Benefits: Diminishing deductible feature – the deductible decreases by $50 every year you don’t receive a claim reimbursement.

• Customer Service: Flexible coverage options and responsive customer service.

• Why Vets Recommend It: Customizable plans and the diminishing deductible encourage proactive pet care.


• Coverage: Comprehensive coverage including accidents, illnesses, chronic conditions, hereditary and breed-specific conditions.

• Benefits: Covers virtual vet visits and boarding fees if the owner is hospitalized.

• Customer Service: Reliable customer support and user-friendly mobile app for claims.

• Why Vets Recommend It: Comprehensive coverage with additional benefits that cater to modern pet owners' needs.

5.Nationwide Pet Insurance

• Coverage: Wide range of plans from basic accident and illness to whole pet with wellness coverage.

• Benefits: Option to add wellness coverage for routine exams, vaccinations, and preventive care.

• Customer Service: Nationwide reputation for reliable service and extensive vet network.

• Why Vets Recommend It: Broad range of coverage options and a strong network of participating veterinarians.

6.ASPCA Pet Health Insurance

• Coverage: Accident-only, accident and illness, and preventive care coverage options.

• Benefits: Covers microchipping, behavioral treatments, and prescription food.

• Customer Service: Good reputation for compassionate customer service and easy claim submission.

• Why Vets Recommend It: Strong focus on preventive care and overall pet well-being.