The 10 Best Pet Insurance Brands

When you adopt a companion animal, the last thing you want to think about is ever needing to take them to an emergency vet appointment. But to give you some peace of mind should that ever happen, getting pet insurance is vital for any parent to a dog, cat, or any other animal.

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Lemonade's pet insurance covers cats and dogs. Lemonade offers no waiting period for accident coverage, but a 14-day waiting period for illnesses and a 30-day waiting period for orthopedic conditions. The company offers an up to 5 percent discount for adding another pet to your policy. Pets can start being covered by Lemonade at 6 weeks of age, and there is no age cap. Lemonade is also a Certified B Corp.

Healthy Paws covers pet insurance for cats and kittens, dogs and puppies. Plan waiting periods depend on the state, but Healthy Paws offers just one type of comprehensive plan covering new accidents and illnesses. Healthy Paws has unlimited annual coverage, but animals aged 14 or older cannot enroll in Healthy Paws.

Embrace provides pet insurance for cats and dogs. Plans have a 14-day waiting period for illnesses, but vary by state for orthopedic needs. Pets can be insured starting at 6 weeks, and Embrace offers a 10 percent discount for multi-pet plans. Dental illness treatment is included in the accident and illness insurance policy, and Embrace also has a "wellness rewards" add-on program for preventative treatments like grooming or training.

Trupanion's pet insurance covers dogs and cats. The company's VetDirectPay means no waiting for reimbursement. Pets older than 14 cannot be enrolled in Trupanion. That said, premiums do not increase as enrolled pets grow older. Trupanion has a five-day waiting period for injuries and a 30-day waiting period for illnesses.

ASPCA Pet Health Insurance's plan covers cats, kittens, dogs, and puppies. There is no age cap, and coverage begins at 8 weeks of age. The ASPCA offers two types of plans: accident-only coverage and complete coverage. You can add on two types of preventative care coverage for an additional fee. The waiting period for ASPCA pet insurance is 14 days. Customers get access to 24/7 telehealth services provided by The Vet Connection.

Hartville Pet Insurance provides coverage for dogs and cats. Hartville coverage begins at 8 weeks of age, and does not include an age cap, but your premium may increase as pets grow older. The waiting period is 14 days for accidents, illnesses, and ligament issues. Hartville has an accident-only and an accident-and-illness policy and two optional preventative care packages.

Spot Pet Insurance covers dogs, cats, puppies, and kittens. Spot offers two main plans: Accident-Only or Accident & Illness plans. Plans start for all animals at 8 weeks or older with no age caps. Spot plans also provide a 10 percent multi-pet discount for every additional pet insured. Plans have a 14-day waiting period for coverage.

Figo's pet insurance covers dogs and cats. The company has no upper age limit and coverage can begin at 8 weeks of age. Figo has a one-day waiting period for accident coverage, or customers could choose to waive the waiting period for conditions with longer periods. Pet insurance plans do not cap claiim payouts by condition. Figo also offers a 5 percent discount for multi-pet enrollment and has a 24/7 live veterinarian chat.

Prudent Pet covers cats and dogs. The company does not have an upper age limit, so any pets can be enrolled after they turn 8 weeks old. There is a five-day waiting period for accident coverage and 14 days for illness coverage. There is also a 6-month wait period for knee or other ligament issues. Prudent Pet has a multi-pet discount of 10 percent and has a 24/7 pet telehealth line.