How to Choose the Best Pet Insurance

Our Rating System for Reviewing Pet Insurance

When we choose to place a pet insurance provider on our website, we often include a star rating. This rating is based solely on our review of the company’s products and services through information on their website. Our goal is to remain objective when we complete these ratings, so we rely on a single framework for calculations. Please understand that although we do our best to provide accurate and objective information, you are solely responsible for reviewing and selecting the best pet insurance for your dog, cat, or other animal. 

To assist you in the process of Buying Pet Insurance, we’ve outlined our comprehensive framework for analyzing a pet insurance provider’s services based on the information available on their website.

Our Framework for Rating Pet Insurance Companies

Individuals on our team work to objectively rate pet insurance providers by manually reviewing each provider’s website and scoring them based on categories that we feel are important to buyers. Many of our team members own pets, and buy pet insurance, so we rate as much as possible based on personal experience; however, everyone’s situation and experiences are unique. Do not rely only on our opinions!

While we attempt to maintain accuracy within this content, each provider has the ability to change their plans, pricing, coverage, support and other information at any time without providing us notice. As a result, you must complete your own research to verify the information we present.

We score providers based on the categories shown below.


Breadth of Coverage

The success of any insurance company is based on a large foundation of customers. Every claim a pet insurance provider pays out must be supported by a large number of other members. Breadth of coverage leads to a larger customer base. In addition, having a broad set of coverage options provides end consumers, like you, the ability to find insurance for your specific situation. Below is a list of specific elements we look for to determine the breadth of coverage from a provider.

  • Pet Type – Do they provide coverage for a broad set of pet types (cats, dogs, exotics, other)?
  • Pet Age – Do they have coverage available for old and young pets?
  • Pet Breed – Do they provide coverage for broad range of breeds
  • Nationwide – Do they offer coverage across the entire United States
  • Available Products – Do they offer a comprehensive set of products, such as whole-pet coverage as well as catastrophic only?

Accessibility of Products

We care about the ability for a provider to offer products that fit your specific needs and situation. This means it’s important that they make their products accessible through a range of pricing, payment, buying options. Below is a list of specific elements we look for to determine product accessibility.

  • Pricing Range – Do they provide a broad range or pricing, specifically a low entry price point of less than $40 per month?
  • Payment Flexibility – Do they allow for payment to be made through credit card, check, mobile-pay, paycheck deduction, etc.?
  • Product Flexibility – Do they allow you to switch plans for your pet?
  • Discounts for Groups – Do they offer discount providers to increase accessibility to large groups of individuals (Veterans, Employers, etc.)? 

Transparency

Shopping for insurance can be a hassle. That’s one reason why we built this website! However, once you’ve narrowed down your options, it’s important to be able to get fast, clear, and honest information about a provider’s pet insurance options. It’s important that you receive pricing ranges quickly and can understand the details of the policy you are choosing. Below is a list of specific elements we look for to determine transparency. 

  • Visibility of Pricing – Do they provide price ranges upfront or require that you provide a ton of information before gaining any understanding of range?
  • Policy Details – Do they provide clear and accessible policy details as you are shopping for a plan?

Ease of Use

The best pet insurance companies care about providing an easy experience for their customers. We rate Ease of Use based on a website’s information, accessibility, speed, and user-friendliness – not only for the shopping experience but also the process of submitting a claim. Below is a list of specific elements we look for to determine Ease of Use.

  • Website Speed & Accessibility – Do they offer a mobile friendly website that loads quickly?
  • Information Availability – Do they make information regarding pricing, coverage, limitations, reviews, and terms readily available?
  • Speed to Quote – Do provide online quotes that are fast and easy to obtain?
  • Mobile & Electronic Claims – Do they offer the ability to submit and manage claims electronically, specifically through a mobile application or website? 

Community Support

Overall, we care about the health of your pet, and we expect the best pet insurance companies to care about it as well. You want to work with a provider that clearly has your pet’s best interest in mind. We attempt to understand a company’s Community Support based on the following items.

  • Content & Information – Do they provide expert, authoritative content to education consumers on pet health?
  • Donations & Charities – Do they offer, provider, or participate in any pet-related charities?
  • Animal Welfare & Wellbeing – Overall, does the content on their website indicate that they generally care about the welfare and wellbeing of animals? 

Business Strength

The quality of an insurance provider is often measured by their financial stability, longevity, and scale. If you invest in pet insurance for a young dog, you want to know that the company you trust with your investment has a high probability of existing when your dog ages and requires increased medical attention. We analyze pet insurance companies to estimate their business strength based on the following items.

  • Length in Business – Does the provider history and longevity provide insights into their overall strength?
  • Financial Backing – Do they have substantial backing either based on financial disclosures, parent company ownership, or sheer size?
  • Estimated Market Share – Does the provider hold significant market share, as measured based on their website presence?