Best Pet Insurance Plans For 2023

Whether you’re currently a proud pet parent or soon to become one, there is no doubt that pets entail a lot of time, love and responsibility, along with high costs for all their needs. Luckily, pet insurance plans will cover a great deal of the overall health and veterinary expenses.

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Pet insurance has been around for many years in the US, but has really exploded in the last 10 years or so. And thanks to our ancient, passionate and endless love for our dogs and cats, pet insurance plans have gradually gotten better and more improved with each passing year. There are even some companies that are now offering a special kind of work leave called “Pawternity Leave”, which will allow you some time off work to get everything you need for your pet and bond with them. Your pet deserves the very best that you can give them, and nothing could be more crucial than good health coverage.

But which ones will truly help keep your pooch safe, happy and healthy for many years to come? No need to worry. We’ve put together some of the very best pet insurance plans for 2023.



If you own or intend on adopting/purchasing a puppy or a kitten, Lemonade is definitely one of the best pet insurance companies that are worth checking out. With the use of the company’s app, you can submit a claim and get reimbursement within a matter of minutes.
They also offer a variety of coverage limits, reimbursement, deductibles and discount options. Additionally, they also offer inexpensive coverage boosts and add-ons, making it a most attractive and comprehensive coverage for your furry baby. These add-ons include treatments such as physical therapy, hydrotherapy, and acupuncture.

Regarding waiting periods, Lemonade offers 3 different types: 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament injuries.
More Pros of Lemonade:

● No age limit for coverage
● Optional wellness plan
● Multiple policies and riders are available
● Offers a multi-pet discount of 10%


If you’re interested in unlimited coverage, then look no further than Spot. This pet insurance offers two types of plans for adult cats and dogs, plus youngsters above the age of 8 weeks. One is for accidents only, and the other is for both accidents and illnesses, which includes exam fees and vet visit fees.

They offer two types of Wellness and preventive care coverage options, Gold and Platinum, which you can choose to add to your accidents only or accidents and illness plan for an additional cost. Spot also provides you with various ways to customize your plan with options such as limited or unlimited annual coverage limits, deductibles, and reimbursements. Plus, they also cover advanced treatments like chemotherapy, surgery, stem-cell therapy, and acupuncture.

Price ranges from $35 to $45 per month for dogs, and $25 to $35 per month for cats. More Pros Of Spot:

● No senior age limit

● 30 days money back guarantee

● Offers a multi-pet discount of 10%

● Optional wellness plan

● Has a 24/7 pet telehealth line

● A low $100 deductible is available

● Their standard plan includes microchipping

ASPCA Pet Health Insurance

The American Society for the Prevention of Cruelty to Animals (ASPCA) has their own fantastic pet health insurance that specializes in hereditary conditions. They offer accident-only, accident and illness, and preventive care for cats, dogs and even horses. ASPCA’s premium rates are affordable, and they are relatively flexible when it comes to certain policy terms. Better yet, ASPCA also handles many pre-existing conditions after 180 days, except for knee or ligament conditions.

More Pros of ASPCA:

● No upper age limit
● Covered stem cell therapy and microchipping.
● Includes coverage for exam fees
● Offers a multi-pet discount of 10%
● Has a 24/7 telehealth line


Embrace pet insurance is best for senior pets of up to 15 years of age, and provides you with a variety of options for coverage, reimbursement, and deductibles within your budget. You can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid.

Their coverage includes accidents, illnesses, and various other conditions. In addition, they also offer an accident-only policy.
Also, all of their policies come with a 30 days money-back guarantee or a pro-rated refund. Price ranges from $25 to $55 per month for dogs and $20 to $30 for cats per month.

More Pros of Embrace:

● Offers employee and military benefits
● Has a 24/7 pet telehealth line.
● 2 days waiting period for accident
● Covers the veterinarian’s office visit fee for illness and accidents.


When it comes to reimbursements, nobody does it better than Figo. They offer the option to select up to 100% reimbursement. Plus, they provide an annual decreasing deductible, so your deductible will drop by $50 each year you go without a claim from Figo until it is $0.

But wait, there’s more. Figo also provides extra benefits that you can add to your policy to help pay for vaccinations and preventative care, veterinary exam fee plans, and wellness plans. They even cover boarding costs and third-party property damage liability protection, along with coverage for end of life services, such as final respects, cremation and burial.

Figo offers three accident and illness policies for dogs and cats with varying price ranges: Essential, Preferred and Ultimate. Each of these plans covers common conditions such as hip dysplasia, chronic conditions, hereditary and congenital conditions.

More Pros Of Figo:

● One-day waiting period for injuries and 14 days waiting period for illness.

● Does not cap claim payment by condition type

● No upper age enrollment limit

● Free 24/7 vet helpline

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