Pet Blog / Best Pet Insurance Companies of January 2022

Best Pet Insurance Companies of January 2022

From unexpected injuries and illnesses to routine wellness checks, trips to the vet can be shockingly pricey. Pet insurance can help cover the cost of veterinary bills, so consider searching for a policy that’s comprehensive yet affordable.  
Different insurers and plans will provide varying amounts of coverage, and there are things to look out for, like waiting periods and pre-existing conditions exclusions. But if you stick with the best rated pet insurance companies, you may find the ideal plan at the right price. 

What is the best pet insurance for dogs?
Pets Best
Healthy Paws
Is surgery covered by pet insurance?
Do most vets accept pet insurance?
Do you have to pay upfront if you have pet insurance?
Find the best pet insurance plans on Direct Benefits Marketplace


9 of the best pet insurance companies to consider 

There are many pet insurance companies to choose from, so the process of shopping for a plan that works for you and your pets might be overwhelming. That’s why we’ve compiled a list of some of the best pet health insurance options.

1. Pets Best

For a lot of people, Pets Best is deemed the best pet insurance provider. They offer plans that may help cover accidents, illnesses, and routine care to make it easier to afford veterinary treatments. They also have a handy app that makes it a snap to submit claims online. And their 24/7 helpline can give you access to veterinary experts who could answer questions. 

2. Nationwide

When checking out Nationwide, you might be surprised by how low the monthly premiums can be. With this insurance, you can take your pet to any veterinarian you choose. Then, all you have to do is submit your claim and wait for them to reimburse you. Plus, in addition to plans that cover dogs and cats, this insurer offers avian and exotic pet coverage. 

3. Petplan

Petplan is another great option when you want comprehensive coverage, and you can choose any vet you want. Plans may help cover exams, dental care, and breed-specific conditions. Plus, they might help if you want to take a holistic route to caring for your companion. They’ll reimburse you (up to 90%) after you’ve paid the vet bill and submitted a claim.  


Pet insurance from the ASPCA can help cover the cost of vet care for dogs and cats. You can visit any veterinarian, emergency clinic, or specialist, and then submit your claim to have them reimburse you after you’ve paid the bill. Plans may cover accidents, illnesses, hereditary conditions, dental diseases, behavioral issues, and more. And you have the option of adding on preventive care coverage or getting accident-only coverage. 

5. Healthy Paws

Healthy Paws is one of the most popular pet insurance companies, as their plans may provide coverage for illnesses, accidents, genetic conditions, emergency care, and cancer. They might even be there if you want to seek alternative care for your dog or cat. Plus, you can use any licensed veterinarian you want, you might find plans without any maximum limits, and claims are usually processed quickly.


If you want to enroll in pet insurance that may help cover the cost of veterinary care related to illnesses, injuries, and breed-specific conditions, Trupanion is worth checking out. What makes this company different from others is the fact that they can pay your veterinarian directly rather than sending you a reimbursement, as long as you use a vet that accepts their payments. Otherwise, you might be reimbursed up to 90%. 

7. Embrace

With Embrace, you may get coverage for accidents and illnesses, and you can add on a routine care plan. One thing that differentiates this company from others is the diminishing deductible, which goes down every year that you don’t get a claim payment. Plus, they might cover curable pre-existing conditions, particularly if your dog or cat has been free of symptoms for a year.   

8. Figo

Figo offers flexible plans that may help cover the cost of treatments for illnesses and accidents, and you have the option of getting wellness coverage too. This provider works on closing claims quickly, there may not be any lifetime maximums or per incident caps to worry about, and they might cover curable pre-existing conditions. Plus, you might even be able to sign up for plans with 100% reimbursement. 

9. Spot

With Spot, you can get insurance for your dog or cat that may help cover the cost of care for accidents, illnesses, hereditary conditions, behavioral issues, and chronic conditions. They might even support you if you try alternative therapies, and they offer a preventive care option. You can select any licensed vet, specialist, or emergency clinic, and you’ll be reimbursed (up to 90%) after you’ve paid the bill and submitted your claim.   

Is surgery covered by pet insurance?

Surgery can be ultra-expensive, so the thought of needing to pay for it all on your own can be unnerving. Thankfully, you may be able to find pet insurance plans that will help cover the cost of surgery. 
Just remember that plans vary, so if you want a specific level of coverage, keep it in mind as you compare providers. And watch out for things like exclusions or limits. 

Do most vets accept pet insurance?

Generally, yes, you can go to any vet you want when you have pet insurance. This is mainly because pet insurance works by reimbursing you directly after you’ve paid the bill. 

Do you have to pay upfront if you have pet insurance?

Typically, you need to pay the veterinarian directly, and then wait to be reimbursed by the pet insurance company after you submit a claim. 

Reimbursement percentages might vary based on the type of care your pet receives. They often range from 70-90%, but you might find plans that reimburse 100% of the cost.    
Reading the details of a plan closely is important. In addition to reimbursement rates, keep other out–of-pocket costs, like premiums and deductibles, in mind as you work on finding a plan that meets your budget. 

Find the best pet insurance plans on Direct Benefits Marketplace

Do you want to rest assured that you’ll be able to afford vet bills? Do you want the peace of mind that comes with knowing you won’t need to sacrifice care for your pets if they need it? Then insurance is the way to go!
If you’re ready to find the best pet insurance available in your area, the Direct Benefits Marketplace makes the process quick and easy so you can get the right plan for your pet.