Your pets are a part of the family, and they deserve the best care possible. Pet insurance can help pay for vet bills when your four-legged-friend suffers an accident or illness.
Over 3 million pet owners in the U.S. have pet insurance for their animals, with 20% of them signing up in the last year alone! In the wake of a global pandemic and the subsequent surge of animal adoptions, it’s easy to see why pet owners are getting serious about their pet’s medical care.
There are many options out there, so it’s important to choose pet health insurance that’s easy-to-use, convenient, affordable, and compassionate.
We’ve rounded up some insurance companies customers love, so you can cover your pet with confidence.
#1 Lemonade
Lemonade Pet insurance offers customizable, affordable, and complete coverage for your dog or cat. A base policy covers accidents and illness, with a number of additional packages and add-ons—including ones specifically for puppies and kittens—so you can give your pet the coverage they need, without overpaying.
Customers can’t get enough of Lemonade, which has earned the relatively new company a net promoter score (NPS) of 70.
What does that mean, exactly? NPS measures customer satisfaction based on a single survey question: How likely are you to recommend the service to a friend or colleague?
For reference, global NPS standards classify a score of 50 as excellent, and an NPS of 70 as world-class. Many of the world’s largest financial institutions have single digit NPS, or even negative scores. This Trustpilot customer review speaks for itself:
“We’ve had several vet visits in the last few months with different consultants. Each time I submit a claim to Lemonade, the process has been easy and they have turned around the approval for my claim with reimbursement within the week. I have been very happy with my experience with Lemonade and so appreciate their help in covering the expenses for my cat’s care.”
Policyholders also love Lemonade’s mobile app, which has a rating of 4.9, placing it above some of the most highly regarded consumer technology apps—including Amazon, Netflix, Spotify and Uber—in terms of customer satisfaction.
In addition to pet insurance, Lemonade offers renters insurance, homeowners insurance, car insurance, and term life insurance, and invites policyholders to bundle coverages and save.
Lemonade was created for digital natives in mind, so keep that in mind if you are tech-phobic. There might be a slight learning curve to get up to Lemonade’s speed.
Key coverage takeaways:
- Preventative packages available for puppies/kittens and adult pets
- Fast, digital claims process (some claims are paid in seconds!)
- Vet visit and physical therapy add-ons available
- Multi-pet discount
#2 Embrace
Embrace has a 4.4 score on Trustpilot, with over 450 5-star reviews. This review from an Embrace policyholder just about sums it up:
“…I was skeptical of pet insurance in general but I adopted a puppy and wanted to be covered so I went with Embrace. My experience with claims for both routine care as well as ER visits have been seamless and without any hassles. Having Embrace Pet Insurance has taken the worry out of taking my Max to the vet so I can focus on my puppers rather than the cost. Thank you, Embrace.”
In addition, Embrace offers a great experience for tech savvy pet owners, reflected by their 4.8 App Store rating. With the Embrace mobile app, you’ll never forget your deductible or wonder how much of your annual limit you have remaining. Once you file a claim on Embrace’s mobile app, you can check the status in real time as the Embrace team reviews it.
Unfortunately Embrace’s wellness benefits are capped at $650 a year, so if you’re hoping to invest more in your pet’s preventative care, you might not be covered.
Key coverage takeaways:
- No lifetime limits
- Accident-only or accident & illness plans available
- Wellness plans available
- Multi-pet discount
#3 PetsBest
Founded in 2005, PetsBest is one of the trailblazers of pet health insurance. They may only have a 3.8 TrustPilot score, but over 1,500 5-star reviews from dozens of happy pet owners attest to their strengths. Here’s one customer who was able to get a massive vet bill reimbursed just before the holidays:
“I purchased insurance for my 2 kittens when they were young (1 male,1 female). My male (2.5 now) recently developed bladder stones, and had to be hospitalized. PetsBest handled everything extremely quickly—nobody wants a $5500 bill on their credit card the weekend before Thanksgiving. The reimbursement has already been issued! PetsBest is phenomenal.”
In addition, the PetsBest mobile app boasts a 4.7 rating on the App Store, probably because their mobile app helps streamline the claims process, getting money back in your pocket, faster.
Keep in mind that PetsBest only offers two annual limit options, and their Accident and Illness coverage options can be a bit complicated to understand. Before you sign-up for coverage, be sure to fully understand what you’re signing up for.
Key coverage takeaways:
- Wellness add-ons available
- Vet Direct Pay available
- File claims online
- Discounts for multiple pets, or for customers who are veterans