Pawlicy Advisor / Pet Insurance Blog

Best Pet Insurance Companies In September 2022: Data-Based Reviews

Learn about the best pet insurance companies, compare plans from top providers, and sign up within minutes at Pawlicy Advisor, the leading pet insurance marketplace.

You’re right — there are TOO many pet insurance companies to choose from. You want peace of mind and protection against unexpected vet bills, but how do you really know which pet insurance is best for you?

Google “best pet insurance” and you’ll see one list after the other, each with a different top plan. Publishers will often rank pet insurance companies based on who pays them the most, and without any consideration of your pet’s breed, age, or location.

This is why veterinarians recommend Pawlicy Advisor. We specialize in pet insurance, and we do things differently. We objectively analyze your pet to help you find the best plan based on your pet’s breed-specific health risks and estimated lifetime costs using data across top providers. Let’s get started.

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Our Methodology

We analyze the top pet insurance companies to provide you with an objective breakdown on how long it takes each to reimburse you, how long you have to make a claim, deductibles, reimbursement rates, coverage limits, what’s covered, and what’s not covered.

We also provide a concise review for each provider. All content has been checked by a licensed insurance expert. That said, we strongly recommend that you get a personalized recommendation based on your pet’s breed, age, and location.

Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor offers personalized advice based on breed-specific attributes and total cost predictions for the lifetime of the pet. Pawlicy Advisor is recommended by the American Animal Hospital Association (AAHA) as the Preferred Business Provider for pet insurance.

AAHA recommended logo

Key reasons people trust Pawlicy Advisor:

  • Pawlicy Advisor is the leading independent pet insurance marketplace in the US
  • We’re a Preferred Business Provider of the American Animal Hospital Association
  • Served over 3 million pet owners to date
  • 100% real 5-star reviews
  • Our licensed insurance experts are not tied to any one provider
  • Personalized recommendations factor in the unique information of each pet per policy (specifically, we factor in age, breed, and location)
  • Personalized recommendations include a Lifetime Pricing Score calculated by comparing expected premium increases over your pet’s lifetime
  • We connect directly to our insurance partners to provide real-time quotes at the lowest possible rates all in one place
  • You can purchase your plan directly on Pawlicy Advisor and we’ll handle the paperwork to make sure everything is perfect
  • No hidden fees
  • 100% free service
  • All data is secured using 256-bit SSL encryption

Why We Don’t Have Pet Insurance Ratings or “Picks”

You may have seen ranked pet insurance recommendations on various review sites. Many companies that rank some pet insurance policies over others are being paid to do so.

FACT: There is no one-size-fits-all pet insurance. The “best pet insurance” depends entirely on your pet’s breed, age, location, and more.

Below you’ll find data-driven breakdowns comparing top providers side-by-side, as well as our expert reviews on what we like about each provider and what could be further improved. To see which pet insurance is best for you, get a personalized recommendation today.

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Overview

How to Choose the Best Pet Insurance Policy for Your Family

Choosing a pet insurance policy is a personal decision. However, there are a few factors every pet parent should consider before making a choice.

  1. First, understand any common health risks associated with your pet’s breed.

For example, some dog breeds are more prone to hip dysplasia than others. Another example, English Bulldogs are more prone to brachycephalic syndrome because they are bred to be short-headed and short-nosed. Make sure you select a policy that offers coverage for the risks your pet's breed may be prone to, as some providers exclude hereditary , congenital, and/or bilateral conditions.

  1. Second, understand how the cost will change over the lifetime of your pet.

Sometimes, the cheapest plan today is not the cheapest plan after five years as providers increase premiums at different rates based on your pet’s breed, age, and location. This is particularly important because you want to choose the best plan upfront — you don’t want to change providers once enrolled because any pre-existing condition will not be covered.

  1. Third, evaluate what features matter most to you in both a policy and a provider. Here are a few key considerations:
  • Some policies offer low monthly costs, but not as much coverage.
  • The amount of time you have to file a claim varies by provider, as does the time it takes for them to process and reimburse claim submissions.
  • Certain pet insurance companies offer technology features that make the claims process easier.

Before deciding which pet insurance is best, use Pawlicy Advisor to get a personalized recommendation and see quotes from multiple providers all in one place. Pawlicy Advisor makes it easy to compare coverage and pricing. Pawlicy Advisor will also explain the coverage details of each policy in language that’s easy to understand, so you know exactly what’s covered and what’s not.

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Top-Rated Pet Insurance Companies in 2022

NOTE: These companies are not ranked and apear in no specific order. See above for why we don’t believe in broad ratings or “picks.” Use Pawlicy Advisor to get a personalized pet insurance recommendation for your unique pet, remarkably fast.

Provider Waiting Periods Average Days to Reimburse Time to Make a Claim Annual Deductible Options Available Reimbursement Rates Annual Payout Limits
ASPCA Pet Health Insurance Accidents:
14 Days
Illnesses:
14 Days
9 Days 270 days $100
$250
or $500
70%
80%
or 90%
$2,500
$5,000
$10,000
$15,000
or Unlimited
Figo Pet Insurance Accidents:
3 Days
Illnesses:
14 Days
Knee Conditions:
6 Months
8 Days 180 Days $100
$250
$500
or $750
70%
80%
90%
or 100%
$5,000
$10,000
or Unlimited
Pets Best Pet Insurance Accidents:
3 Days
Illnesses:
14 Days
Cruciate Ligament
Conditions:
6 Months
7 Days 180 Days $100
$250
$500
or $1,000
70%
80%
or 90%
$5,000
or Unlimited
Healthy Paws Pet Insurance Accidents:
15 Days
Illnesses:
15 Days
Hip Dysplasia:
12 Months
2 Days 90 days $100
$250
or $500
70%
80%
or 90%
Unlimited
Embrace Pet Insurance Accidents:
2 Days
Illnesses:
14 Days
Cruciate Ligament
Conditions:
6 months
10 - 15 Days 60 days $200
$300
$500
$750
$1,000
70%
80%
90%
$5,000
$8,000
$10,000
$15,000
$30,000
MetLife Pet Insurance (Formerly PetFirst) Accidents:
0 Days
Illnesses:
14 Days
Cruciate Ligament
Conditions:
12 months
10 Days 90 Days $50
$250
or $500
80%
or 90%
$5,000
or $10,000
Lemonade Pet Insurance Accidents:
2 Days
Illnesses:
14 Days
Cruciate Ligament
Conditions:
6 months
18 days 180 Days $250
$500
$1,000
or $2,500
60%
70%
80%
or 90%
$5,000
$10,000
$20,000
$50,000
or $100,000
Nationwide Pet Insurance Accidents:
14 Days
Illnesses:
14 Days
30 Days Not Listed $250 50%
or 70%
$7,500
Fetch by The Dodo (Formerly Petplan) Accidents:
5 Days
Illnesses:
15 Days
Hip Dysplasia,
Cruciate Ligament
Conditions,
& Luxating Patellas:
6 Months
2 - 6 Days 90 Days $250
$300
or $500
70%
80%
or 90%
$5,000
$10,000
or $15,000
Trupanion Accidents:
5 Days
Illnesses:
30 Days
5 - 7 Days 90 Days $0 - $1,000
(in $5 increments)
90% or
50%-90%
(depending on your state)
Unlimited
Hartville Pet Insurance Accidents:
14 Days
Illnesses:
14 Days
9 Days 270 Days $100
$250
$500
$750
or $1,000
70%
80%
or 90%
$2,500
or $5,000
Spot Pet Insurance Accidents:
14 Days
Illnesses:
14 Days
10 - 14 Days 270 Days $100
$250
$500
$750
or $1,000
70%
80%
or 90%
$2,500
$3,000
$4,000
$5,000
$7,000
$10,000
or Unlimited
Pumpkin Pet Insurance Accidents:
14 Days
Illnesses:
14 Days
10 - 14 Days 270 Days $100
$250
or $500
90% Dogs:
$10,000
$20,000
or Unlimited
Cats:
$7,000
$15,000
or Unlimited

Best Pet Insurance for Time to File Claims

ASPCA Pet Health Insurance, Hartville, Spot Pet Insurance, and Pumpkin Pet Insurance are the best pet insurance companies if you’re concerned about how much time you have to file a claim. They also happen to all have the same insurance underwriter (Crum & Forster Pet Insurance Group).

Each company above gives you up to 270 days to file an insurance claim after your pet has been to the vet. That’s more time than any other company in the industry.

Best Pet Insurance for Maximum Reimbursement Rates

FIGO is the only pet insurance provider on our list that offers reimbursement rates up to 100%. That means they will pay the full amount of a vet bill's covered costs after you submit a claim.

Best Pet Insurance for Unlimited Annual Payouts

Pets Best Pet Insurance, ASPCA Pet Health Insurance, FIGO, Healthy Paws Pet Insurance, Spot Pet Insurance, Pumpkin Pet Insurance, and Trupanion all offer unlimited annual limit options on their policies.

What Each Pet Insurance Company Covers & Excludes

Before choosing a pet insurance plan, it’s important to understand what will be covered by your policy. Though all providers offer Accident & Illness coverage for sick or injured pets, the services and treatments eligible for reimbursement vary by provider.

Know that no pet insurance company will cover a pre-existing condition, though that will not exclude you from getting coverage for future, unrelated conditions (and some providers will cover “curable conditions” if there are no recurring symptoms).

Here’s an overview of the coverage offerings from some of the best pet insurance providers.

Provider Dental Alternative Therapies Bilateral Conditions Congenital Disorders Behavioral Disorders Other Routine/Wellness Care Add-On
ASPCA Yes Yes Yes (excluding
cruciate ligament
& knee conditions)
Yes Yes Exam Fees,
Euthanasia,
Cremation/Burial
Yes
Figo Accident-Related
Extractions Only
Some No Yes No Euthanasia,
Cremation/Burial
No
Pets Best Yes Yes
(Elite plans)
No Yes No Euthanasia Yes
Healthy Paws Accident-Related
Extractions Only
Some Yes (excluding
cruciate ligament
conditions)
Yes No Some
Specialty
Care
No
Embrace Yes Yes No Yes Yes Exam Fees,
Prescriptions,
Microchipping
Yes
MetLife Yes Yes Yes (excluding
pre-existing
conditions)
Yes No Lost Pet
Advertising
& Reward,
Euthanasia,
Cremation/Burial
No
Lemonade No No Yes (excluding
cherry eye,
glaucoma, cataracts,
cruciate ligament
& knee conditions)
Yes No Euthanasia,
Cremation/Burial
(as add-on)
Yes
Nationwide No Some Yes No No Supplements Yes
Fetch by The Dodo Yes Yes Yes (excluding
pre-existing
conditions)
Yes Yes Virtual visits,
Supplements,
Boarding Fees,
Lost Pet
Advertising
& Reward
No
Trupanion Yes Yes
(as add-on)
Yes Yes Yes
(as add-on)
Breeding,
Lost Pet
Advertising
& Reward,
Boarding,
Cremation/Burial,
Holiday Vacation
Cancellation
No
Hartville Yes Yes Yes (excluding
cruciate ligament
& knee conditions)
Yes Modification Therapy,
Behavioral Disorders
Euthanasia,
Cremation/Burial
Yes
Spot Yes Yes Yes (excluding
cruciate ligament
& knee conditions)
Yes Yes Exam Fees,
Microchip Implementation,
End of Life Expenses
(related to a
covered condition)
Yes
Pumpkin Yes Yes Yes (excluding
cruciate ligament
& knee conditions)
Yes Yes Exam Fees,
Microchip Implementation,
Prescription Medications,
Euthanasia
Yes

Best Pet Insurance for Dental Treatment

Pets Best Pet Insurance, Embrace, and Fetch by The Dodo all offer great dental coverage - and they don’t restrict coverage to only accident-related extractions.

MetLife, ASPCA Pet Health Insurance, Hartville, Spot Pet Insurance, Pumpkin Pet Insurance, and Trupanion all offer full accident & illness coverage of your pet’s dental health.

Best Pet Insurance for Alternative Therapies

Alternative therapies include rehabilitative, chiropractic, acupuncture, and hydrotherapy treatments. Several companies offer this type of coverage, including Pets Best, Figo, and others.

However, ASPCA Pet Health Insurance, Hartville, MetLife, Spot Pet Insurance, and Pumpkin Pet Insurance include coverage for even more alternative therapies like homeopathy and naturopathy.Pets

Best Pet Insurance for Breeding

Few pet insurance providers cover any breeding-related costs as part of their standard plans. If the company offers it, you typically have to purchase breeding covers as an add-on.

Trupanion is the first and one of the few pet insurance providers that offers coverage for conditions related to breeding, pregnancy, whelping, or nursing as a part of its pet insurance plans. That makes it a great option if you want to cover potential breeding complications through your pet insurance provider.

Best Pet Insurance for Lost Pet Help

When an owner loses their pet, they typically have to pay out of pocket or crowdfund to offer a reward. They may also need to pay to create and post lost pet posters around town. Not every pet insurance company offers coverage for these costs.

However, Fetch by The Dodo does. If you’re concerned about paying out of pocket to find your lost pet, you may want to consider a plan from this company.

Best Pet Insurance for Bundling Routine/Wellness Care

An handful of pet insurance providers will offer you a discount if you bundle their accident and illness plans with a wellness add-on.

Pets Best, Embrace, Lemonade, Nationwide, ASPCA Pet Health Insurance, Hartville, Spot Pet Insurance, and Pumpkin Pet Insurance all allow you to bundle your pet insurance and wellness plans with other insurance products to save money.

Getting the Best Rates

One of the most important things to consider when selecting a pet insurance policy is your monthly (or annual) premium. This is the amount of money you’ll need to pay to keep your policy active.

It can be tempting to choose the pet insurance policy that has the lowest monthly premium because it will add the least to your regular monthly expenses. However, sometimes the cheapest plan today is not the cheapest in the long run - it's really important to understand “lifetime pricing”. Additionally, it’s important to keep in mind that premiums are a general reflection of the strength of your plan.

RELATED: Average Pet Insurance Costs by Breed, Age, and State

Monthly premiums can be higher or lower based on several differing factors. They are dependent on your plan’s coverage, your annual deductible, reimbursement rate, and annual limit. Your pet’s breed, age, and location can also affect your monthly premium.

For example, if a policy allows you to opt for less coverage and you do so, you’ll likely pay a lower monthly premium. Choosing a higher annual deductible or a lower reimbursement rate can reduce your monthly premiums.

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How Each Company Stacks Up

ASPCA Pet Health Insurance Review

aspca

ASPCA Pet Health Insurance consistently ranks high on “best-of” lists because of its high level of coverage, affordable prices, and years of industry experience. Its parent company, Crum & Forster Pet Insurance Group, was founded in 1997, making it one of the original pet insurance providers in the United States.

Crum & Forster eventually partnered with the American Society for the Prevention of Cruelty to Animals (ASPCA) in 2006 to offer its ASPCA Pet Health Insurance product.

ASPCA plans offer fast reimbursement times for claims compared to other providers. It also gives customers plenty of time to file a claim after visiting the vet: 270 days, or about nine months. Some providers require you to file a claim in just 90 days.

ASPCA Pet Health Insurance also allows customers to select low annual deductibles. It offers a wellness plan alongside its considerable coverage.

ASPCA customers can get dental coverage, alternative therapy coverage, coverage for congenital disorders, and coverage for some behavioral therapies. The brand also offers coverage for LASER therapy and end-of-life care.

Related: ASPCA Pet Health Insurance Review 2022

Figo Pet Insurance Review

figo

Figo was founded in 2013 by Rusty Sproat. It has since become one of the largest pet insurance providers in the market and has won multiple awards for its coverage.

The key feature of a Figo Pet Insurance is the optional3 100% reimbursement rate that pays for all vet costs covered by your policy after you've met your deductible. You’ll get comprehensive Accident & Illness coverage with any policy you choose, including both their lower- and higher-tiered plans. The only difference between plans are customizable aspects like deductibles, reimbursement rates, and annual limits.

Figo won’t reduce your coverage when you visit a specialist either. That makes it a great option if you want to ensure you have complete coverage for serious illnesses or injuries.

However, if you want to save money by purchasing Accident-Only coverage, then Figo may not be the best pet insurance solution for you. This brand also does not offer supplemental wellness plans to offset routine care costs.

Related: Figo Pet Insurance Review 2022

Pets Best Pet Insurance Review

pets_best

Pets Best Pet Insurance offers considerable coverage compared to ASPCA Pet Health Insurance and Hartville Pet Insurance, although it doesn't offer as much coverage for behavioral health. Pets Best will only cover behavioral consults with a licensed veterinarian and any behavioral medication prescribed by them. You can also get coverage for alternative therapies, but only through Pets Best's "Elite" plans.

Nonetheless, Pets Best does offer a range of deductible options comparable to Hartville Pet Insurance. Its lowest monthly premiums are also significantly lower than other companies, making Pets Best an affordable option for budget-conscious pet owners. The company has received great reviews from its customers on Trustpilot.

Related: Is Pets Best Pet Insurance Good? Here’s How It Stacks Up

Healthy Paws Pet Insurance Review

healthy_paws

Healthy Paws Pet Insurance & Foundation was founded by Steve Siadek and Rob Jackson in 2009. It’s one of the oldest pet insurance companies in the country, so it has significantly more experience than many of the latest providers on the market.

Healthy Paws provides accident and illness coverage, but no wellness plan. Its coverage is comparable to other providers. It also provides coverage for congenital conditions and some alternative care options.

The most unique thing about Healthy Paws is that it offers no payout limits on any plan and that it can reimburse claims faster than most of the insurance companies out there. You could get reimbursed for claims in as little as two days.

Related: Is Healthy Paws Pet Insurance Good? Here’s How It Stacks Up

MetLife Pet Insurance Review

metlife

MetLife was originally founded in the 1800s and is one of the largest insurance providers in the world. The company began offering pet insurance after it acquired PetFirst in 2021.

MetLife offers more coverage than some other providers, including coverage of dental, alternative, and congenital care.

MetLife is notable because it offers some specialty coverage as well. You can get lost pet advertising and reward costs covered through a MetLife plan as well as end-of-life care.

The biggest drawback to MetLife is that they don’t offer the option to select an unlimited annual reimbursement limit. The maximum annual reimbursement limit you can choose is $10,000. MetLife doesn’t offer a wellness add-on either.

Related: Is MetLife Pet Insurance Good? Here’s How It Stacks Up

Lemonade Pet Insurance Review

lemonade

Lemonade originally offered homeowners and renters insurance. It began offering pet insurance in 2020 after it discovered that the vast majority of its existing customers owned pets, many of which were uninsured.

Lemonade’s accident and illness coverage is comparable to other plans. However, it doesn’t cover dental, alternative therapies, or behavioral disorders. It does cover congenital conditions and you can get coverage for euthanasia and burial at the end of your pet’s life.

The biggest benefit of Lemonade’s pet insurance product is how customizable it is. Lemonade offers plenty of options for your annual deductible, your reimbursement rate, and your annual reimbursement limit. Although Lemonade doesn’t offer an unlimited annual reimbursement limit, you can get a plan with a limit as high as $100,000.

Related: Is Lemonade Pet Insurance Good? Here’s How It Stacks Up

Nationwide Pet Insurance Review

nationwide

Nationwide Mutual Insurance Company, commonly known as Nationwide, represents a large group of U.S. insurance and financial services companies. It offers a variety of insurance options, including pet insurance.

Nationwide offers complete coverage of accidents and illnesses like most pet insurance companies, as well as a wellness plan. Its plans also cover some alternative treatments and supplements. Most notably, Nationwide plans cover bilateral conditions, which isn’t always offered by other pet insurance providers.

Every Nationwide policy comes with a low annual deductible of $250, so it might be a good option if you don’t want to pay too much out of pocket.

Related: Is Nationwide Pet Insurance Good? Here’s How It Stacks Up

Fetch by the Dodo (Formerly Petplan) Pet Insurance Review

fetch

The Dodo is a media brand focused on telling animals’ stories and advocating for animal welfare. In 2020, The Dodo acquired a minority stake in Petplan and rebranded it as “Fetch by The Dodo.”

Fetch earns mention here because of its high level of coverage compared to other plans. It also offers something unique: coverage of some bilateral conditions, even if those conditions present themselves on one side of the animal before the policy takes effect. This means The Dodo could potentially cover some pre-existing bilateral conditions, which is something rarely offered in pet insurance.

Fetch also offers considerable levels of coverage for other treatments, including dental, behavioral therapy, and alternative care. Fetch is relatively affordable compared to other providers and receives high reviews from customers.

Related: Is Fetch Pet Insurance Good? Here’s How It Stacks Up

Embrace Pet Insurance Review

embrace

Embrace Pet Insurance was rated the #1 Pet Insurance Provider by Forbes in 2022. The company also says that it paid out 92% of the claims submitted in 2021 and that customers can get up to 90% back on their vet bills.

Embrace covers dental illnesses, congenital conditions, and orthopedic conditions after a six-month waiting period.

Related: Is Embrace Pet Insurance Good? Here’s How It Stacks Up

Trupanion Pet Insurance Review

trupanion

Trupanion was founded in 1999 as “Vetinsurance” in Canada and expanded into the United States in 2005. That makes it one of the oldest pet insurance providers in the market. It’s also one of the most popular.

Trupanion offers considerable coverage compared to many other pet insurance providers. Plans cover dental and bilateral conditions, as well as microchipping and prescriptions. Trupanion is also the first pet insurance company to offer coverage of breeding-related costs. You can also get coverage for alternative treatments and behavioral disorders, but only as add-ons to your accident and insurance plan.

Every Trupanion plan comes with an unlimited annual reimbursement limit. You can even get a $0 annual deductible, so you won’t have to pay much out of pocket for veterinary care. This makes it a great option if you’re concerned about your pet having expensive health issues down the road.

Related: Is Trupanion Pet Insurance Good? Here’s How It Stacks Up

Hartville Pet Insurance Review

hartville

Hartville Pet Insurance offers comparable coverage to ASPCA Pet Health Insurance. A comprehensive Hartville plan can include a wellness add-on, and it will cover dental, alternative therapies, congenital disorders, and some behavioral therapies.

Hartville also receives excellent marks from its customers on Trustpilot. Its lowest monthly premiums are very affordable compared to other providers as well.

What makes Hartville unique is its varying choices for annual deductibles. Customers can choose a deductible as low as $100 to ensure their coverage kicks in as quickly as possible. However, they can also choose a deductible of $250, $500, $750, or $1,000 depending on how much they'd like to pay out of pocket.

This range is notable because it means customers can choose a plan that fits their monthly budgets and their out-of-pocket costs perfectly.

Related: Hartville Pet Insurance Information & Review

Spot Pet Insurance Review

spot

Spot Pet Insurance offers comparable coverage to other companies, including coverage of alternative therapies like acupuncture, microchipping, and behavioral issues. This coverage is baked into its core insurance product, whereas other brands sometimes offer them only as add-ons.

Spot customers can customize their coverage in much the same way Pawlicy Advisor users can. They can choose their reimbursement percentage, annual limit, and annual deductible.

Related: Is Spot Pet Insurance Good? Here’s How It Stacks Up

Pumpkin Pet Insurance Review

pumpkin

Pumpkin was founded in April 2020, so it’s one of the newest entries to the pet insurance market. However, it provides some of the best coverage of any pet insurance provider, including coverage of dental illnesses, alternative therapies, congenital conditions, and behavioral health treatments. You can also add a wellness plan onto your accident and illness coverage through Pumpkin.

Pumpkin even offers a deductible as low as $100, so you won't have to pay much out of pocket before your coverage kicks in. You also have the option to get an unlimited annual reimbursement limit.

Related: Is Pumpkin Pet Insurance Good? Here’s How It Stacks Up

See Which Pet Insurance Is Best for You - Get a Personalized Recommendation Today

For pet parents who want to instantly compare top pet insurance quotes and coverage all in one place, Pawlicy Advisor is a pet insurance marketplace that helps you find the right plan (at the best price) remarkably fast and makes buying pet insurance easy.

See Personalized Recommendations

Frequently Asked Questions

What pet insurance is most widely accepted in the US?

No pet insurance is more widely accepted then another becuase the work on a reimbursement model. This means all pet insurance companies are accepted at any licensed veterinary practice in the US.

How do I know which pet insurance is best?

You can know which pet insurance is best for you by identifying your pet’s breed-specific health risks and comparing top providers to ensure the policy will cover the issues your pet is most likely to encounter. You’ll also want to compare how each provider changes premiums as your pet ages to ensure you get the best lifetime value. This is made easy with Pawlicy Advisor.

Related: How to Compare Pet Insurance Plans and Evaluate Top Providers

Who has the cheapest pet insurance?

The cheapest pet insurance seemed to be offered by Pets Best Pet Insurance. Its monthly premiums go as low as $11 for dogs and $9 for cats. However, the cheapest plan will ultimately depend on your pet’s breed, age, and location - and the deductible, reimbursement, and coverage limit you select.

Related: Average Pet Insurance Cost by Breed, Age, and State

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere, Licensed Insurance Agent

Customer Support - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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