What Are Your Options for National Pet Insurance?

If you’re looking up national pet insurance, you might be wondering what your options for pet insurance are across the U.S. Below we’ll cover the top pet insurance companies domestically and some of the major plan types. We’ll also discuss some key considerations about pet insurance, like pre-existing conditions, and dental insurance.

Types of National Pet Insurance

When it comes to pet insurance, you have three main types:

  • Comprehensive: These plans cover illness, accidents and injury, sometimes called base plans.
  • Wellness: These usually work as add-ons to a base plan. They might cover routine, wellness and preventative care. Some are only money-back reimbursement programs, which often pay you back up to a certain amount. 
  • Accident-only: These cover your pet in case they were in an accident, as the name suggests. 

Each of these options affects how much you pay in monthly premiums. Accident-only is often the most budget-friendly option because it only covers accidents. Comprehensive can run more pricey since it has more that is covered for care. Wellness plans are often added monthly fees on top of comprehensive or base plans, but they can be higher-tiered plans as well.  

Top Pet Insurance Companies Nationally

Below are the top most well-known and well-regarded pet insurers in the U.S. Each name is linked to their respective reviews through our site, if you’d like to learn more about what each company has to offer and how the plans work.  

All companies are offered across a wide variety of states, making them good options for national pet insurance. However, it’s important to check your zip code in each company’s free quote system to make sure they offer plans in your area. For instance, Healthy Paws was not offering insurance in Washington due to regulatory approval.  

  • 24petwatch:  Pet insurance with fairly comprehensive plans through a lost pet protection service
  • AKC: Offered through the American Kennel Club
  • ASPCA: Pet insurance from the American Society for the Prevention of Cruelty to Animals
  • Embrace:  One of the most comprehensive plans out there that works under one main plan
  • Figo: Has many plan options and an easy-to-customize quote system
  • Hartville: Comprehensive plans that even cover dental disease 
  • Healthy Paws:  Pet insurance through a foundation that has modest pricing and decent coverage
  • Nationwide:  Nationwide’s pet insurance plan has some of the most comprehensive coverage around, covering a wide variety of wellness treatments across three main plan tiers
  • PetFirst:  Known for its discounts, referral program and 14-day money-back guarantee 
  • PetPlan:  A comprehensive plan that even covers holistic and alternative treatments
  • Pets Best: A popular plan with no age restrictions 
  • Trupanion: Plans with unlimited annual payout and 90% reimbursement 

We also compare the best 14 pet insurance companies and highlight the top companies for cheap pet insurance for your consideration and selection.

Nationwide, Trupanion, PetPlan and ASPCA are the biggest four pet insurers. You can compare them here.

In addition to purchasing pet insurance directly through companies, you can also get it through other major insurers like Geico, Progressive, State Farm, Allstate and Farmers. These companies have partnered with pet insurers to offer plans. Often, getting pet insurance this way results in additional discounts. 5% discounts are common. But once you sign up, you still submit payment and claims through the direct pet insurer.   

National Pet Insurance Considerations

When looking for national pet insurance, you also have a few points to keep in mind. Below is a list of links that can help you learn more about common concerns and features of pet insurance.

  • No pet insurance covers pre-existing conditions; however, some may if the condition is deemed curable within a certain time. You can read more about pre-existing conditions here
  • A common point of confusion for pet insurance is waiting periods. These are the timeframes before your insurance coverage kicks in. Learn more about waiting periods here.
  • Dental coverage for pets is a complicated issue. Many plans don’t cover it, or they do cover it as add-ons or as part of additional wellness coverage. Read more about dental coverage here.
  • Exotic pet insurance, like coverage for birds, reptiles or rodents, can be hard to find. Learn more about exotic pet insurance here.

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