Our review of pet insurance companies is based on extensive industry research that includes reading hundreds of customer reviews, analyzing secret shopping quotes and buying processes, talking to representatives on the phone to rate customer service experience and survey of 1,000 dogs and cats. owners nationwide to determine the most important elements of pet insurance coverage.
We rated each vendor on a 100-point scale based on these elements. We then divided that final rating by 20 to calculate an overall rating of 5.0 stars.
Here are more details on each factor and how it is weighted:
- Monthly rate (25%): The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
- Packages (15%): The best pet insurance companies offer accident and sickness plans, accident-only plans, and wellness or preventative care add-ons to give customers the flexibility to choose the plan that’s right for them. best for their pet.
- Treatments covered (15%): We have rated companies based on the treatments and procedures they cover. Companies offering a wide range of included treatments and unique coverages received more points than providers offering more standard or general policies.
- Personalization options (10%): Providers with more annual limit, deductible and reimbursement rate options scored higher.
- Customer service (10%): We rated companies on the accessibility and overall usability of their website, availability of customer service, mobile apps (if available), money-back guarantees and veterinary telehealth options, awarding points to insurers offering more customer experience offerings.
- Industry Reputation (10%): We reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and rated companies on their years of industry experience and state availability.
- Waiting times (10%): Companies with shorter waiting times for accident, illness and orthopedics between the date of enrollment and the start date of coverage scored higher than companies with longer waiting times. longer waits.
- Eligible age (5%): Some companies do not offer policies for pets over a certain age. We have deducted points from suppliers who have age limits for covered animals.
We use our rating system to compare each company against key factors to help us determine the best pet insurance companies in the industry. To find out more, read our comprehensive pet insurance methodology for supplier evaluation and rating.