Top-rated pet insurance in the USA 🇺🇸

Find the best pet insurance for your state.

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Publications Pawlicy Advisor has been featured in: TechCrunch, Pets & Money, and Pet Business
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We’re the pet insurance marketplace endorsed by US veterinarians 🇺🇸

Pawlicy Advisor has helped thousands of American pet parents across the USA find the best pet insurance plan at the best price.

Here’s why vets and pet parents use pawlicy advisor

Personalized recommendations

There is no one-size-fits-all pet insurance. We carefully analyze hundreds of policy variations across top US providers to help you find the best fit based on breed, age, location, and more.

Compare top companies side-by-side

Don’t waste time filling out a form on every provider’s site. Fill out one form on Pawlicy Advisor and compare real-time quotes from multiple companies side-by-side.

Uncover hidden savings

You deserve transparency. We’ll help you find opportunities to save on lifetime costs and make it easy to complete the entire enrollment process on Pawlicy Advisor.

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Compare top US pet insurance companies

See what each pet health insurance covers side-by-side.

Select your state from the menu below and click “Search” to see top-rated pet insurance, not vague reviews like you get on other pet insurance comparison websites and articles.
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OR get a personalized analysis based on your pet’s breed, age, location, and more - and streamline your pet insurance shopping experience.
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What to look for when comparing top pet insurance providers in the USA

1

Established brands 🇺🇸

Pet insurance brands who’ve been around in the USA for a few years are generally less like to change their premiums as they’ve already figured out their business metrics.
2

Fast reimbursement

Top US providers tend to reimburse your claims in less than 14 days. Some, like Pets Best, can even pay the vet directly so you don’t need to wait for reimbursement.
3

Great lifetime price

As your pet ages, your premiums will increase since there’s greater risk of illness/injury - and providers will have different rates at which those prices increase. Use Pawlicy Advisor’s "Lifetime Price Score" to understand costs across the lifespan.

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Thousands of pet parents trust Pawlicy Advisor

Five Star Reviews

Kyle Dillon, Pet Owner

After a few too many expensive trips to the vet with my cat, I started looking at multiple pet insurance sites attempting to figure out what pet insurance worked best for my situation. Through research, I came across Pawlicy and answered a few questions about my cat and within 2 minutes had many options at my fingertips. I felt more knowledge after...
Five Star Reviews

Brittany Coblenz, Pet Owner

We recently got our first puppy. We had never used pet insurance before but knew it was a must. Pawlicy made the process so simple. We were able to input our puppy's information, see all available insurance options and then choose the plan that worked best for us in a matter of minutes. Pawlicy made the process stress free and answered our question...
Five Star Reviews

Neha Gupta, Pet Owner

We recently got a puppy and wanted insurance for the new member of our family. Pawlicy was so quick and easy to use and told us exactly what insurance plans we should consider for the specific breed of our pup. The app gave us summarized information so that we could make a quick and informed decision. We've loved our insurance plan so far. Would d...
Excellent Five Star Reviews

Out of 100% reviews on Google Logo

Frequently asked questions


For most Americans, pet insurance is a great way to prepare for unexpected pet medical costs. Like auto insurance, it’s better to have it and not need it than need it and not have it.


You must compare providers side-by-side, and understand what risks your breed is particularly susceptible to. Then evaluate personalized quotes and make sure to compare key coverage details - diving into the fine-print to see if there’s any breed-specific exclusions you need to be aware of.


Most US pet insurance companies cover dental as part of their accident and illness coverage. So if your pet needs dental surgery or oral antibiotics you’ll be covered. For routine dental cleanings, you might consider a wellness plan add-on.


Some plans will cover curable conditions. Thats right, if your pet has a curable pre-existing condition and has not had recurring symptoms for a certain waiting period, that condition could be eligible for coverage. Regardless, pet insurance can still be worth it even with a non-curable pre-existing condition - as all other unrelated accidents or illness that may arise in the future will be covered.


Pet insurance by state


Alabama (AL) pet insurance

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