When it comes to protecting your furry friends, having pet insurance can provide peace of mind and financial security. Several pet insurance companies in the USA offer comprehensive coverage for your pets’ medical expenses.

In this blog, we are going to share with you the best pet insurance companies in USA 2023 that not only provide the finest services but also understand their customer’s needs.

List of top pet insurance companies

1) Embrace

After our research and analysis, we decided to keep this company on top of our list because of the diverse benefits it delivers to its customers.


  • When you insure more than one pet, you get a 10% discount.
  • It provides a 5% discount to current military members and veterans.
  • It provides a diminishing deductible on health insurance of $50 each year if a customer does not claim his insurance.
  • The company provides better offers and discounts than its competitors.
  • It provides a 24/7 helpline for customers.


Coverage and Cost

Embrace provides insurance for cats and dogs, which includes accidents and illness.

What Does Insurance Cover?

  • Dental illness is covered by up to $1000 every year.
  • It covers all breed-specific illnesses like intervertebral disc disease.
  • Insurance includes all tests and treatments related to cancer.
  • It covers all Chronic and Orthopedic conditions.
  • Pets who are 15 or above qualify only for accident insurance.
  • The minimum age for both illness and accident policy is 6 weeks.
  • All expenses of hospitalization and surgery.


Dogs – $24 to $100

Cats – $14 to $90

Waiting period

It has a waiting period of 2 days for accidents and 14 days for illness. You must consider this company on your checklist of best pet insurance companies in USA 2023.


This is one of the best pet insurance companies because it provides many perks to its customers, along with flexible plans and premium options.


  • Its plan does not have any upper age limit.
  • It offers annual coverage options that no other company does.
  • It covers prescription food and behavioural change.
  • Spot offers a 24/7 helpline facility to customers.
  • It does not charge any enrollment or cancellation fees.
  • The company gives a 10% discount on insurance for multiple pets.

Coverage and Cost

Spot provides both accidental, illness, and wellness plans for cats and dogs only.

What Does Insurance Cover?

  • The plan covers exam fees.
  • It covers all expenses related to cancer and its treatment.
  • It covers dental illnesses.
  • Spot plans also pay for hospitalization or any other medical expense.
  • Its plans only cover pets under the age of 8 weeks.
  • The company plan covers respiratory, heart, and diabetic problems.


Dogs – $35 to $100

Cats – $17 to $90

Wellness Plan – $250 to $450 (Includes -spaying or neutering, vaccinations, and dental cleanings).

Waiting Period

14 days for both accidental and illness plans.


If you went through numerous blogs regarding the best pet insurance companies in USA  2023, we are 100% sure you have seen this name.

And there is a strong reason behind that, as Pets Best is a top-notch company that offers the best insurance plans in the whole pet insurance industry.


  • Pets Best does not have an upper age limit for pets.
  • Gives endless customization options.
  • Its waiting periods are also less.
  • Pets Best gives many offers and discounts to its customers.
  • Effective customer care services.
  • It gives the facility to customers to pay their vet directly.

Coverage and Cost

The company provides insurance plans for both dogs and cats at reasonable charges with various perks.

What Does Insurance Cover?

  • It covers all expenses related to hospitalization and surgery.
  • The company plan also covers cancer tests and treatment.
  • The plan includes dental coverage also.
  • If the pet has any hereditary or congenital conditions, it will be covered in the plan.
  • It covers pets with a minimum age of 7 weeks.
  • Its wellness plan covers regular vet visits, vaccinations, dental Cleanings, spaying, and neutering.


  • Dogs – $35 to $58 for accident and illness plan per month.
  • Cats – $22 to $46 for accident and illness plan per month.
  • Wellness plan – $16 to $26 per month.

Waiting period

14 days waiting period.


Our list of best pet insurance companies in USA 2023 would be incomplete without Figo why we are saying this? You would get to know it further by looking at its policies.


  • Figo has a 100% reimbursement rate.
  • The company does not put any upper age limit.
  • Figo has its pet cloud app in which customers can track everything related to their pet insurance and play dates.
  • It only has 1 day waiting period for accidents.
  • There is no limit on annual coverage.
  • It has a 24/7 chat facility for customers on its app.
  • Gives multiple discounts and offers to customers.

Coverage and Cost

Figo provides accident and illness insurance for cats and dogs but it does not provide an accident-only policy.

What Does Insurance Cover?

  • The plan includes tests and treatments related to cancer, like chemo and surgeries.
  • All expenses related to accidents and emergencies.
  • Its plan covers dental illness and injury.
  • The plan covers hereditary and congenital conditions.
  • It also includes chronic and common illnesses.
  • It covers veterinary specialist treatments.
  • Coverage for pets who are 8 weeks or more.


Dogs – $20 to $100

Cats – $15 to $80

The cost could decrease or increase depending on various factors like pet health, pre-conditions, etc.

Waiting period

For accidents, it is 1 day, and for illness, it is 14 days.


These were the best companies we could find that offers the best class plans and services to their customers and deeply understands the feeling of pet lovers. So, this was our blog on the best pet insurance companies in USA in 2023. You can also see some CASH BACK CREDIT CARDS.

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