Our review of pet insurance companies includes reading hundreds of customer reviews, mystery shopping quotes and shopping processes, talking to representatives over the phone to assess customer service experience, and surveying 1,000 dog and cat owners nationwide for in-depth industry research. Based on those elements, we scored each provider on a 100-point scale. We divided this final score by 20 to calculate the overall star rating out of 5.0 stars. Here are more details about each condition and how it is measured:
- Monthly rate (25%): The best pet insurance companies combine comprehensive coverage and plan options at affordable prices.
- Plans (15%): Top pet insurance companies offer options for accident and illness plans, accident only plans and wellness or preventive care add-ons for their customers to choose the best plan for their pets.
- Covered treatments (15%): Based on the treatments and procedures we cover companies. Companies with a wide range of covered treatments and specialty coverage earned more points than providers with more standard or comprehensive policies.
- Customization Options (10%): Providers with more annual-limit, deductible, and payment-rate options received the highest scores.
- Customer care (10%): We scored companies on their website accessibility and overall usability, customer service offerings, mobile apps (if available), money-back guarantees and veterinary options, providing greater customer experience to insurers.
- Industry Reputation (10%) We reviewed current ratings and certification information from the Better Business Bureau (BBB) and ranked companies based on years of experience in the industry and state presence.
- Waiting time (10%): Companies with shorter accident, pain, and bone waiting times between enrollment and coverage start date scored higher than companies with longer waiting times.
- Eligible Age (5%): Some companies do not offer policies for pets over a certain age. We have deducted points from providers with age restrictions for covered pets.