Biggest Pet Insurance Companies

Pet owners know that your pet is like a family member. I personally spend more time with my Rottie than I do with any other person in the family!

So it is only natural that you want to make sure they’re at their healthiest and keep being so. Getting your pet insured is one way to make sure that your pet receives the best health and wellness care they can, at reasonable costs.

Here, I’ll take a look at 3 of the biggest pet insurance companies and their offerings, so you can easily know which of these top companies would provide the best suitable coverage for your pet.

Note: If you click some of the links in this article we may earn a small commission at no additional cost to you.

3 Biggest Pet Insurance Companies

Picking those 3 wasn’t easy, there are many companies in the market, each with their own unique benefits. However, I finally decided on Nationwide, Embrace, and Healthy Paws due to the wide range of benefits and features each of them offers.


The oldest and largest in the market, Nationwide is the grandaddy of pet insurance companies. It offers one of the most comprehensive pet insurance coverage plans and features some interesting coverage benefits.


So, what’s covered? Well, I’d say everything from illnesses to accidents and injuries to vaccinations.

Moreover, this is one of the very few companies that offer coverage for pets other than cats and dogs. They offer policies for owners of birds, reptiles and other exotic animals. You can check the full list here.

Nationwide is also one of the few insurance companies that offer wellness coverage. Their whole pet with wellness policy covers routine checks such as vaccinations and dental cleaning, in addition to the illnesses and injuries.

Premiums, Claims & Deductibles

Nationwide insurance premiums start at currently $12 monthly for their wellness basic policy, and you get reimbursed based on your benefits package.

However, if you go with their more comprehensive plan, which has a significantly higher monthly premium, you’ll get reimbursed for 90% of the costs.

Nationwide’s claim process is pretty straightforward, and if everything is in order, you’re reimbursed within14 days as per their policy.

You should know that Nationwide doesn’t give you options for deductibles, but rather only just offers a $250 annual deductible.

What We Like

  • Avarian and exotic animals insurance is available
  • Wellness coverage available

What We Don’t Like

  • Limited deductible options
  • Premiums may increase as your pet ages

The Verdict

Nationwide is your most viable option if your pet is not of the furry variety. Otherwise, their high premiums do not feel justified, even if they do offer pretty comprehensive coverage plans.


Another big player in the pet insurance market, Embrace, also offers plans with the wellness care option. Not only that, but you also have the option of customizing your policy to get your cat or dog the most benefit.

You can ensure your pet from the age of 6 weeks and up to 14 years.


You can get your pet insured for just about anything. Embrace offers coverage for illnesses and injuries in addition to wellness plans that cover routine checks and medications. Not only that, but you can also get coverage for behavioral therapy and alternative treatments.

In addition, Embrace offers coverage for breed-specific conditions and illnesses.

However, coverage for pre-existing conditions is limited. You should also be aware that if your pet has a knee injury in one of its limbs Embrace has a bilateral injury policy which, in that case, classifies this as a pre-existing condition for their other limb.

Premiums, Claims & Deductibles

How much you’ll pay depends on the plan you’ll purchase, the age of your pet, and the deductible you want. Generally, monthly premiums start at around $10 for cats and $16 for dogs.

Note that there’s an enrollment fee of $25 at this time on new policies.

Embrace has a wide deductible range starting $200 up to $1,000. Meaning you can tailor your plan in accordance with the deductible you want. They also offer a diminishing deductible if you are claim-free for a year.

The claim filing process is standard, and the company states that reimbursement is within 15 days of submitting your claim.

What We Like

  • Diminishing deductible for claim-free year
  • Optional wellness plan

What We Don’t Like

  • Enrollment Fee
  • Limited coverage of pre-existing conditions

The Verdict

Embrace is a good choice for you if you prefer to customize your plan. They offer some nice features such as the diminishing deductibles. However, if your pet has a pre-existing condition, there are some limitations in coverage.

Healthy Paws

Healthy Paws offers insurance for your furry pets, aka cats and dogs starting 8 weeks and up.

They have more or less same basic offerings as the others that are reviewed here, with an added benefit. No annual or lifetime cap on payouts!

Also worth mentioning is their customer service that many customers rave about.


Healthy Paws offers coverage for illnesses and injuries, but doesn’t have a wellness coverage plan. They also don’t offer coverage for pre-existing conditions. You can find a full list of what they do and don’t cover here.

On the upside, they give you the option of customizing your pet’s insurance plan.

However, you should know that they have a long wait time for coverage of certain conditions. For example, there’s a waiting period of 12 months for hip dysplasia coverage, and if your pet is older than 6 years when enrolled, they won’t cover it.

Premiums, Claims & Deductibles

Premiums start at $35, with deductibles ranging from $100 to $750. Their biggest benefit is the fact that they impose no cap on annual or lifetime payouts.

A perk worth noting is you only pay your deductible once per year, not per incident, which is not the case with some other insurance companies.

Filing a claim is smooth sailing, you submit the form and bills via their website or app, yes they have an app, and Healthy Paws promise a payout in as little as 2 days.

What We Like

  • No cap on annual or lifetime payouts
  • They have an app

What We Don’t Like

  • No coverage for pre-existing conditions
  • No wellness care optional plans available

The Verdict

Though Healthy paws offers the unique benefit of no cap on payouts, their restrictions are quite limiting. So, depending on your pet’s needs you can choose to go for it if these limitations are not an issue for you.

Final Thoughts

Other than the ones I’ve already reviewed, there are some other companies worth taking a look at. Figo is a great option for you tech-savvy lot, while PetFirst might be the one for you if your pet is older, since they don’t have upper age restrictions.

No matter what your pet care insurance needs are, you’re sure to find a company that fulfills them, which your pet definitely deserves!