Dog insurance costs $676 yearly, and the last thing you want is a denied claim during an emergency. Pet parents spend big money on protection, yet many still wonder which insurance companies they can trust, according to the North American Pet Health Insurance Association.
Our data reveals that 79% of pet owners look at available coverage types to pick their insurance provider, and 44% care about the company’s reputation. The truth shows up at claim time – that’s when you discover if your provider delivers.
We looked at the top pet insurance companies and found 15 providers that approve 90% or more claims. Pumpkin offers complete coverage without breed restrictions, while Lemonade provides affordable rates starting at $26.83 for dogs. Let us guide you to a trustworthy insurer that stands by you in tough times.
Embrace Pet Insurance (97% Approval Rate)
Embrace Pet Insurance makes filing claims easy and provides broad coverage options. Pet parents can submit claims through several ways, including the MyEmbrace online portal and mobile app. This eliminates the need for paper claim forms.
Embrace Claims Process Overview
The claims submission needs an itemized invoice and diagnosis details. Pet owners must provide all invoice pages with taxes and discounts, along with the reason they visited the vet. The MyEmbrace portal guides users through each step, which makes submitting claims quick and simple.
Coverage Details and Limits
Embrace’s complete coverage has a wide range of medical needs. The policy has:
- Accidents and injuries
- Dental illnesses (up to $1,000 annually)
- Breed-specific conditions
- Behavioral therapy
- Emergency veterinary care
Customer Claim Success Stories
Customer experiences show Embrace’s quick reimbursement process. A Great Dane’s owner got $1,562.93 back from a $2,011.93 bill. Another success story comes from a Labrador owner who received $974.65 for a fractured tooth extraction. The check arrived right after Christmas.
Embrace Claim Processing Timeline
Regular accident and illness claims take 10-15 business days to process. The company sends email updates within two business days after receiving claims, which keeps pet parents informed throughout. Pet owners can get their money back through direct deposit within three business days or by check within ten business days.
Healthy Paws (96% Approval Rate)
Healthy Paws makes pet insurance easy with its paperless claims system and detailed coverage options. The company holds a 9.8 out of 10 customer satisfaction rating as of January 2025.
Healthy Paws Claim Submission Process
Pet parents can submit claims through the mobile app or online customer center. They just need to upload a photo of their veterinary invoice. On top of that, Healthy Paws can pay veterinarians directly upon pre-approval if you can’t pay upfront.
Coverage Specifics
The plan has unlimited annual and lifetime payouts and covers:
- Accidents and illnesses
- Hereditary and congenital conditions
- Cancer treatments
- Emergency care
- Alternative treatments
More importantly, you can get reimbursed between 70% to 90%, based on your location and pet’s age.
Average Claim Processing Time
We process claims within 24 business hours of approval. You can choose between direct deposit that takes up to 10 days, or paper checks that arrive within 15 days.
Real Customer Reviews
Pet owners love the simple claims process and quick reimbursements. A customer shared their story about two TPLO surgeries that cost around $3,500 each. Their first claim payment came within a week, and they received the second one in just 24 hours. The company’s team goes above and beyond claims processing by checking on pets during their recovery.
Trupanion (95% Approval Rate)
Trupanion has transformed veterinary payments with its VetDirect Pay™ system. The system now operates in more than 11,000 veterinary hospitals across North America.
Direct Vet Pay System
The VetDirect Pay™ system sends payments directly to veterinarians when you check out. The system processes 60% of transactions within 60 seconds. This quick process eliminates the usual waiting time for reimbursements. Veterinary clinics that haven’t enrolled in direct pay still receive fast service – Trupanion processes 70% of claims within 24 hours.
Coverage and Exclusions
Trupanion’s policy covers:
- Hereditary and congenital conditions
- New dental illnesses and injuries
- Physical therapy and alternative treatments
- Prescribed supplements and specialized foods
The company provides unlimited payouts without annual, lifetime, or per-incident caps. The policy excludes pre-existing conditions, wellness care, and routine procedures.
Customer Satisfaction Data
Trupanion has paid over $3 billion in claims thanks to their quality service. Their customer satisfaction score stands at 58, with highest ratings coming from customers aged 46-50. The Net Promoter Score reveals 44% promoters and 13% passive customers. The company demonstrates its dedication to service by offering customer support 24/7/365.
Fetch (94.5% Approval Rate)
Fetch stands out with its mobile-first approach to pet insurance claims. Their app has earned over 7,000 five-star reviews and makes the claims process smooth.
Mobile Claim Submission Features
Pet parents can submit claims in minutes through the Fetch mobile app. Users track their claim status, check detailed payment breakdowns, and get help through 24/7 interactive chat support. The app lets users scan and upload documents by simply taking a photo.
Coverage Details
Fetch provides comprehensive coverage that includes prescription medicines, supplements, emergency veterinary exams, remote telehealth treatments, behavioral therapies, and alternative treatments like acupuncture.
Fetch pays up to 90% of covered vet bills once you meet the annual deductible. Pet owners should submit their claims within 90 days of their vet visit.
Customer Experience Analysis
Fetch has earned a Trustscore of 4.3 out of 5 from more than 900 reviews. Customers love the simple claims process and quick reimbursements. The company completes claim processing within 15 days after receiving all documents. Direct deposit reimbursements reach customers within two days of claim approval. This is 5-10 days faster than traditional check payments.
Lemonade (94% Approval Rate)
Lemonade processes 50% of claims instantly with their artificial intelligence technology. Their pet insurance combines technology with individual-specific service.
AI-Powered Claims Processing
“AI Jim,” the company’s AI system, processes claims through a user-friendly mobile app. The system handles 40% of claims right away after the original submission. Customers receive reimbursements within 24 to 48 hours after approval.
Policy Coverage Overview
Both cats and dogs can get the base accident-and-illness policy starting at $10 per month. The policy has:
- Diagnostics and lab tests
- Surgery and treatments
- Hospitalization
- Prescription medications
- Cancer treatments
Lemonade provides five optional add-ons beyond standard coverage: vet visit fees, physical therapy, dental illness, behavioral conditions, and end-of-life care. Customers can choose annual coverage limits between $5,000 to $100,000.
Customer Feedback Analysis
Customer satisfaction stays high without doubt, as shown by Lemonade’s 4.4 out of 5-star rating on Trustpilot. Swift claims processing and responsive customer service consistently receive praise from pet owners. The company shows its steadfast dedication to transparency by taking a flat fee from premiums and using the rest to pay claims.
Prudent Pet (93.8% Approval Rate)
Prudent Pet leads the industry with its AI-powered claims technology that processes 75% of claims within 24 hours.
Digital Claims Platform
The company’s online pet portal makes claim submissions quick and simple. Pet owners can upload invoices and medical records from their phones. Most reimbursements are processed within 10 days.
Coverage Specifics
Prudent Pet has three core plans you can customize:
- Accident Only Plan
- Essential Plan
- Ultimate Plan with unlimited annual benefits
Wellness coverage comes in three tiers that provide preventive care benefits from $210 to $460 annually. You can choose reimbursement rates between 70% to 90% and set deductibles as low as $100.
Customer Support Quality
The company’s support team consists of former vet technicians who provide expert guidance. Pet owners get professional advice during policy discussions. Prudent Pet holds a 4.8/5 star rating on Trustpilot, and customers love their quick reimbursements and knowledgeable staff.
A standout feature is their free 24/7 vet helpline where pet owners can talk to licensed veterinarians from home. Prudent Pet also covers pets of any age without upper or lower limits, which sets them apart from other providers.
Nationwide (93.5% Approval Rate)
Nationwide brings its 40-year-old expertise to pet protection with comprehensive insurance solutions.
Claims Process Breakdown
Pet owners can submit their claims through my.petinsurance.com, email, mail, or fax. The process needs legible paid invoices and a completed claim form. Nationwide processes most claims within 30 days once they receive all required documents. Pet parents can choose between electronic reimbursement or paper checks after approval.
Coverage Options
The company provides three distinct plans:
- Accident-only coverage for emergencies and injuries
- Complete coverage combining medical and preventive care
- Whole Pet with Wellness offering 90% reimbursement on eligible expenses
Annual deductibles begin at $100, while most pet owners choose the $250 option. Coverage starts 14 days after application approval.
Customer Satisfaction Metrics
Nationwide has managed to keep steady growth in customer satisfaction since 2009. Pet owners get access to a 24/7 vet helpline for general wellness advice before filing claims. The company’s steadfast dedication to service shows in their 92% customer retention rate after three years for dog owners. Insured pet parents visit veterinarians 73% more often, with 4.17 annual visits compared to 2.41 visits for uninsured pets.
ASPCA (93% Approval Rate)
ASPCA’s Member Center portal serves as the hub of their digital pet insurance platform and provides complete claim management tools to policy holders. Pet parents can submit their claims through the mobile app or online portal.
Online Claims Portal Features
The Member Center makes claim submissions easy. Users can upload their vet invoices directly to the platform. Claims need simple details about the treatment and a photo of the itemized invoice. Pet owners can check their claim status live and get email updates during processing.
Policy Coverage Details
ASPCA’s Complete Coverage℠ plan covers:
- Accidents and illnesses
- Behavioral issues and treatments
- Alternative therapies
- Hereditary conditions
- Dental diseases
- Prescription medications
The plan resets coverage each year to ensure your pet stays protected throughout its life. All policies include a 14-day waiting period to accidents and illnesses.
Customer Service Quality
The support team works Monday through Friday, 8:00 AM to 8:00 PM EST. Customer satisfaction scores remain high, and ASPCA holds an “Excellent” rating based on over 2,000 reviews on TrustPilot. Most claims take 30 days from submission to completion. Customers can choose reimbursement through direct deposit or check and receive email updates during processing.
Pets Best (92.8% Approval Rate)
Pets Best, founded by veterinarian Dr. Jack Stephens in 2005, has paid over $500 million in claims. The company ranks among top insurers because of its quick processing and extensive coverage options.
Claims Submission Options
Pet owners can submit claims through the mobile app or customer portal. The company processes most claims within 30 days and sends reimbursements through direct deposit within two days after processing. The Vet Direct Pay option helps with expensive treatments by paying veterinary clinics directly.
Coverage Specifics
The BestBenefit plans include:
- Emergency and specialist care
- Surgery and cancer treatments
- Prescription medications
- Euthanasia for humane reasons
The optional wellness coverage helps you manage routine care costs, including annual check-ups and vaccinations. Pets Best lets you choose deductibles from $50 to $1,000. The company also stands out because it doesn’t reduce coverage based on your pet’s age.
Customer Reviews Analysis
Customers consistently give high ratings and love the simple claims process. The easy-to-use mobile app makes claim submissions quick and hassle-free. Positive feedback flows in from multiple platforms, and customers appreciate the fast direct deposit reimbursements. The 24/7 veterinary helpline is a great way to get expert guidance whenever you need it.
Spot (92.5% Approval Rate)
Spot leads the pet insurance market with standard claims processing in 5-7 business days. The company holds an A- rating from the Better Business Bureau, and 90% of Trustpilot reviews show 4 or 5 stars.
Digital Claims Experience
Members can easily submit claims through the Member Center Portal. The mobile app and online platform let pet parents file claims within 270 days after treatment. You’ll receive email updates about your claim status from submission to completion.
Policy Coverage Overview
Spot gives you two base policies you can customize:
- Accident-and-illness coverage with annual limits from $2,500 to unlimited
- Accident-only protection with flexible deductibles from $100 to $1,000
Pet owners can choose reimbursement rates between 70% and 90%. The waiting period lasts 14 days for all conditions, which beats many competitors.
Customer Feedback Insights
Pet parents love the quick reimbursement timeline, and preventive care claims take just 2 business days. Customers can get their reimbursements through direct deposit or check. The company’s mobile app includes 24/7 live vet chat support. Customer service representatives are ready to help Monday through Friday, 8 AM to 8 PM ET, and Saturdays from 9 AM to 5 PM ET.
ManyPets (92% Approval Rate)
ManyPets boosts the insurance experience with its automated claims system “Millie.” This system handles 40% of all incoming claims.
Claims Processing System
The company works with Vitesse to process claim settlements quickly. They complete most payments within 24 hours. Pet parents can submit their claims up to one year after the whole ordeal. Reimbursement comes through check payment and takes about two business days to process.
Coverage Details
ManyPets has complete protection that covers:
- Unexpected accidents and illnesses
- Veterinary prescribed medications
- Emergency care services
- Alternative treatments like acupuncture
- Chiropractic care
The company stands out because it has no cap on annual or lifetime payouts. Their policy lets veterinarians receive direct payments, which saves pet owners from paying upfront in many cases.
Customer Support Quality
ManyPets maintains a 3.9 out of 5 stars rating from nearly 20,000 customer reviews. Their customer service team stands apart from traditional insurers by tracking each pet’s recovery progress. Quick claim payouts receive praise from many customers, though some mention delays during busy periods. The company shows its steadfast dedication to service improvement through adaptable solutions that lead to faster processing times.
Pumpkin (91.5% Approval Rate)
Pumpkin’s digital claims platform processes 90% of submissions through their online portal.
Claims Submission Process
The claims filing process is digital and takes just five minutes to complete. Pet parents can upload photos of itemized vet bills and medical records through their online account. The platform lets users submit claims up to 270 days from the treatment date. The company provides both direct deposit and check payment options for reimbursement.
Policy Coverage Specifics
The insurance plans cover these medical needs:
- Dental illnesses and behavioral problems
- Hereditary and congenital conditions
- Prescription food for covered conditions
- Alternative therapies
- End-of-life services
Pet owners can choose annual coverage limits ranging from $5,000 to unlimited for both dogs and cats. The company provides a 90% reimbursement rate for all covered expenses.
Customer Experience Data
The company has earned a 4.7-star rating on Trustpilot. Customers praise the quick claim processing and receive reimbursements within days of submission. Pumpkin’s steadfast dedication to service includes 24/7 customer support through phone and email channels. The company distinguishes itself by avoiding breed restrictions or upper age limits on coverage.
Hartville (91% Approval Rate)
Hartville, a 25-year old pet insurance provider, brings extensive experience to the table with its digital solutions for policy management.
Claims Platform Features
Their Member Center and mobile app help you submit claims quickly, and most claims get processed within 30 days. Pet owners can submit claims through the online portal, email, fax, or mail. You have up to 270 days from your pet’s treatment date to submit a claim.
Coverage Overview
Hartville’s Complete Coverage℠ plan covers:
- Accidents and injuries (broken bones, bite wounds, toxic ingestions)
- Illnesses (diabetes, UTIs, cancer)
- Hereditary conditions (heart disease, eye disorders)
- Behavioral issues (excessive licking, destructive chewing)
The company provides annual coverage limits from $5,000 to unlimited. You can choose reimbursement rates of 70%, 80%, or 90% after meeting your deductible. Your policy becomes active 14 days after you enroll.
Customer Satisfaction Metrics
A dedicated support team helps customers Monday through Friday, 8 AM to 8 PM ET. You’ll receive claim updates by email during processing. Reimbursements arrive through direct deposit or check payment. Pet owners can visit any licensed veterinary clinic in the U.S. or Canada.
AKC (90.5% Approval Rate)
AKC Pet Insurance lets dog owners customize their coverage plans and makes claims simple to process. Pet parents can file claims within 180 days of service through the app, website, email, fax, or regular mail.
Claims Process Analysis
The company handles most claims in 3-7 days and pays through check or direct deposit. Pet owners need to submit a reimbursement claim form with their vet invoice. The Pet Cloud app makes record keeping simple by storing medical documents and insurance forms in one place.
Policy Coverage Details
AKC has two main plans:
- CompanionCare Plan: Covers accidents, illnesses, allergies, cancer, and digestive issues
- AccidentCare Plan: Made specifically for pets with pre-existing conditions
The CompanionCare plan comes with flexible options. Annual deductibles range from $100 to $1,000 with reimbursement rates between 70% to 90%. Annual coverage limits go from $2,500 to $20,000.
Customer Service Quality
The support team works Monday through Friday from 8:30 AM to 8:00 PM EST and Saturdays from 10:00 AM to 3:00 PM EST. Customers love the quick response times and often get immediate help for urgent questions. Policyholders also get access to a free 24/7 Vet Helpline, which gives them round-the-clock support for their pet’s health concerns.
PetPartners (90% Approval Rate)
PetPartners stands out by creating individual-specific policies with detailed coverage options for pets up to their 9th birthday.
Claims Submission System
The company handles claims through multiple channels and completes most submissions within two business days. Pet owners can submit claims through the customer portal, email, fax, or mail. They have 180 days to submit their claims. The process needs completed claim forms and itemized invoices. Simple claims usually get paid within one business day.
Coverage Specifics
PetPartners has two main insurance plans:
- Accident & Illness coverage (for pets under 9 years)
- Accident Only coverage (no age restrictions)
Annual deductibles range from $100 to $1,000. Customers can choose their incident limits and coinsurance options. The company’s specialized add-ons include ExamCare for exam fee coverage and HereditaryPlus for genetic conditions.
Customer Support Analysis
The core team includes pet-loving experts who run a round-the-clock veterinary support line. Policyholders get detailed help through:
- 24/7 veterinary consultation for emergencies
- Policy guidance from experienced staff
- 30-day money-back guarantee for unsatisfied customers
The company holds an A- “Excellent” rating from A.M. Best, which shows its financial stability and reliable service delivery.
Conclusion
Pet insurance becomes a lifesaver when unexpected vet bills show up. These 15 top-rated providers have proven their worth by approving 90% or more of all claims. This shows their steadfast dedication to supporting pet parents.
Embrace and Healthy Paws stand out with approval rates above 95%. Other companies shine through their unique features. Trupanion’s VetDirect Pay system works directly with vets to settle bills, which saves pet owners from paying upfront. Half of all claims on Lemonade’s AI-powered platform get processed right away.
Coverage limits start at $5,000 and can go up to unlimited, while reimbursement rates usually fall between 70% and 90%. Pet parents can balance their monthly premiums against potential costs with customizable deductibles that start at $100.
Mobile apps and online portals make claim submissions quick and simple. Most companies process these claims within 24-48 hours and send direct deposit payments soon after approval. They also offer 24/7 vet helplines that add extra value beyond the basic coverage.
Pet parents should assess their needs against each provider’s strong points. Processing speed, coverage limits, and customer service quality are key factors in picking the right insurance. A reliable insurer with high approval rates helps you stay calm when your pet needs care the most.
