We spent dozens of hours researching, examining policies, and analyzing over 100 different quotes, and we found that Trupanion is the best choice for reliable and affordable pet insurance for most cats and dogs. The broad coverage and unlimited benefits provide a true safety net in case your pet faces a serious accident or illness, including chronic, lifelong conditions.
Trupanion’s straightforward coverage, with unlimited benefits, few exclusions, and fair premiums—never the highest nor the lowest—would be worth consideration on its own. But the company is our top pick because it has a long and established history of good coverage and low annual increases, and a level of transparency that we didn’t see with other companies. Trupanion is the only company that told us its annual premium increases didn’t get larger as pets aged, adding even more stability to this choice. And getting a plan with 90 percent reimbursement and a $500 to $1,000 deductible makes sense as a good starting point for most people.
We love the constant praise Healthy Paws Pet Insurance gets for its customer service, and we were impressed that the company regularly quoted the lowest premiums for benefits as good as or better than those of any other company. But if you enroll your pet after age 6, you’ll have fewer and less-generous options for deductibles and reimbursement rates.1 And if you have a large (or soon-to-be large) dog, the 12-month waiting period for hip dysplasia coverage could quickly wipe out any advantage of choosing this company.
Figo Pet Insurance is the only pick to include full coverage for exam fees when your pet is sick or injured, plus the same generous coverage for illnesses and treatments as our other picks, and short waiting periods. No other company with positive customer reviews and low premiums offers that combination of features. But we’re holding back on giving Figo our top spot until it has established a record of reliability. The company began issuing policies only in 2015, and in August 2017, Twitter users were noting a 52.5 percent premium increase for customers in New Jersey.
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