Top 4 Pet Insurance Providers in the United States

1. Figo
Figo provides coverage for unexpected health problems and injuries. Their network includes veterinary clinics, emergency hospitals, and specialists across the US, Canada, and Puerto Rico.

Figo offers three flexible plans tailored to different budgets and needs. These plans are ideal for comprehensive pet care, costing less than $1.50 daily, making them an affordable choice for many pet owners.

2. Trupanion
Trupanion stands out because it pays veterinary bills directly, eliminating upfront costs and paperwork. It covers a broad range of illnesses and injuries, regardless of severity. Additionally, plans include coverage for non-traditional treatments like acupuncture or physical therapy, as well as expenses related to lost pets or boarding if you're hospitalized.

Monthly premiums typically start at $59 for dogs and $32 for cats, providing accessible options for pet owners seeking robust coverage.

3. Healthy Paws
Known for affordability, Healthy Paws offers plans starting at just $17 per month for cats and $33 for dogs. It covers injuries and accidents that aren’t related to pre-existing conditions, such as hereditary issues. There’s no lifetime cap on benefits, even for serious illnesses like cancer. Claims are easily submitted via their app or website, with most processed within two days, providing quick reimbursement when needed.

4. AKC Pet Insurance
For owners with multiple pets, AKC offers customizable coverage options suited to various budgets. Their plans cover accidents, injuries, and routine treatments like dental procedures, X-rays, ultrasounds, MRIs, and more. An added benefit is a 30-day free coverage period upon registering a new pet with AKC. Simply activate the plan during the registration process to enjoy coverage that automatically expires after 30 days, giving you peace of mind during your pet’s early days.