Pet Insurance Companies Directory: Updated 2026
Choosing a pet insurance company can get expensive if you pick the wrong plan before checking exclusions, waiting periods, reimbursement rules, annual limits, and pre-existing condition language.
Pet owners often see several different names on quotes, policy documents, vet claim forms, wellness add-ons, and underwriter notices. The brand selling the policy may not always be the same name as the insurance company, administrator, or underwriter behind the coverage.
This Pet Insurance Companies Directory is designed to help dog and cat owners look up provider names, official websites, common plan types, underwriter details, and verification steps before buying coverage, filing a claim, or trusting a random quote page.
Table of Contents
- How to Use This Directory
- Pet Insurance Company Rules Table
- Pet Insurance Companies Directory
- Wellness and Vet Plan Providers
- Pet Insurance Underwriters and Administrators
- Legacy and Former Pet Insurance Names
- How to Verify a Pet Insurance Company
- How to Compare Pet Insurance Companies
- Who Is the Cheapest Pet Insurance Provider?
- Best Pet Insurance for Puppies and Kittens
- Best Pet Insurance for Older Pets
- Popular Pet Insurance Documents You May Need
- Related Pet and Insurance Guides
- Frequently Asked Questions FAQ’s
How to Use This Directory
Use this directory as a starting point when researching a pet insurance company name. If you are trying to identify a brand from a quote, policy schedule, claim email, vet invoice request, wellness plan document, or underwriter notice, start with the company name and then verify the policy details through official sources.
Important Verification Reminder
Pet insurance company names, underwriters, administrators, waiting periods, exclusions, claim rules, and state availability can change. Always verify details through the provider’s official website, your policy documents, the underwriter, or your state insurance department before buying coverage or filing a claim.
This directory includes pet insurance brands, accident and illness providers, wellness plan companies, vet membership programs, pet insurance marketplaces, underwriters, and company names that may appear on older pet insurance documents.
For additional research, you can review the List Of US Pet Insurance Underwriters and Best Pet Insurance Companies.
Pet Insurance Company Rules Table
Before buying pet insurance or submitting a claim, make sure you understand what company is selling the plan, who underwrites it, what it excludes, and how claims are reimbursed.
| Never Use | Use Instead | Why It Matters |
|---|---|---|
| A pet insurance quote without reading exclusions | Review accident, illness, hereditary, dental, behavioral, and pre-existing condition rules | The cheapest plan may not cover the condition you are most worried about. |
| A wellness plan as a replacement for pet insurance | Understand whether the plan covers routine care only or accident and illness claims | Wellness plans usually work differently from insurance for unexpected vet bills. |
| Waiting until after symptoms appear | Enroll before illness, injury, or breed-related problems show up | Pre-existing conditions are commonly excluded or limited. |
| Assuming every vet bill is reimbursed | Check deductibles, reimbursement percentage, annual limits, and waiting periods | Pet insurance usually reimburses eligible expenses after rules are applied. |
| Submitting medical records to an unverified email | Use the official claim portal or confirmed claim address | Pet claim files may include personal information, payment details, and medical records. |
| Choosing a plan only because your vet mentioned it | Compare multiple providers and read the policy sample | The best plan depends on your pet’s age, breed, health history, and your budget. |
Pet Insurance Companies Directory
This directory includes pet insurance companies and brands that may appear in quotes, policy documents, claim emails, vet portals, marketplace comparisons, or pet owner searches. Availability, underwriting, and plan details can change, so verify directly before relying on any listing.
| Company or Brand Name | Common Focus | What to Know | Official Website or Verification |
|---|---|---|---|
| AKC Pet Insurance | Accident, illness, wellness options, and dog-focused pet coverage | Often researched by dog owners, breeders, and pet owners connected with AKC-related resources. | Visit AKC Pet Insurance |
| ASPCA Pet Health Insurance | Accident, illness, preventive care options, and pet health coverage | Popular pet insurance brand for cats and dogs; review underwriter and plan details before buying. | Visit ASPCA Pet Insurance |
| Embrace Pet Insurance | Accident, illness, breed conditions, dental illness, and wellness rewards options | Often researched by pet owners comparing coverage customization and optional routine care support. | Visit Embrace |
| Fetch Pet Insurance | Accident and illness pet insurance | Formerly known in many searches as Petplan. Review current policy language and claim requirements. | Visit Fetch |
| Figo Pet Insurance | Accident, illness, digital claims, and pet health tools | Often researched by pet owners who want app-based service and flexible plan options. | Visit Figo |
| Healthy Paws Pet Insurance | Accident and illness pet insurance | Often researched for straightforward accident and illness coverage for dogs and cats. | Visit Healthy Paws |
| Lemonade Pet Insurance | Accident, illness, preventive care options, and digital claims | Digital-focused insurer that may appeal to pet owners already using app-based insurance products. | Visit Lemonade Pet |
| MetLife Pet Insurance | Accident, illness, family pet plans, and optional wellness | Often researched by pet owners comparing dog, cat, and sometimes broader pet options. | Visit MetLife Pet |
| Nationwide Pet Insurance | Pet insurance for dogs, cats, and some exotic pets | Known as a large insurer with pet products; verify current pet eligibility and plan options. | Visit Nationwide Pet |
| Pets Best | Accident, illness, routine care options, and pet health coverage | Often researched by dog and cat owners comparing deductible and reimbursement options. | Visit Pets Best |
| Pumpkin Pet Insurance | Accident, illness, preventive essentials, and broad pet coverage | Often researched by pet owners looking for accident and illness coverage with optional preventive care. | Visit Pumpkin |
| Spot Pet Insurance | Accident, illness, preventive care options, and customizable coverage | Often appears in comparison searches for flexible annual limits and wellness options. | Visit Spot |
| Trupanion | Accident, illness, direct vet payment options, and lifetime per-condition deductible model | Often researched by pet owners who want direct vet payment where available and long-term condition coverage. | Visit Trupanion |
| Wagmo | Pet wellness and insurance options | Often researched for wellness-first pet care products and pet insurance options. | Visit Wagmo |
| Prudent Pet | Accident, illness, and wellness options | Often appears in pet insurance comparison searches and plan reviews. | Visit Prudent Pet |
| Hartville Pet Insurance | Accident, illness, and preventive care options | May appear in searches related to ASPCA Pet Health Insurance and pet plan comparisons. | Visit Hartville |
| PetPartners Pet Insurance | Accident, illness, and pet health coverage | May appear in pet insurance searches connected to AKC-related insurance programs. | Visit PetPartners |
| Wishbone Pet Insurance | Pet insurance and pet benefits programs | Often appears in employer benefit or pet insurance program searches. | Visit Wishbone |
| Odie Pet Insurance | Accident and illness pet insurance | Digital-focused pet insurance brand often researched by dog and cat owners comparing online plans. | Visit Odie |
| ManyPets | Accident and illness pet insurance | Brand may appear in pet insurance searches; verify current availability and state-specific options. | Visit ManyPets |
| Companion Protect | Pet insurance and pet health programs | May appear in rescue, shelter, employer, or pet benefit program contexts. | Visit Companion Protect |
| PetFirst Pet Insurance | Legacy pet insurance name | This name may appear on older documents and searches. Verify current servicing through MetLife Pet Insurance. | Check MetLife Pet |
| Petplan | Legacy pet insurance name | This name may appear on older policy documents and searches. Verify current servicing through Fetch. | Check Fetch |
| 24Petprotect | Pet insurance and pet protection programs | May appear in pet insurance searches and older pet protection documents. | Visit 24Petprotect |
| Pets Plus Us | Pet insurance in selected markets | Often researched by Canadian pet owners; verify country and plan availability. | Visit Pets Plus Us |
| Petsecure | Pet insurance in selected markets | Often researched by Canadian pet owners; verify plan and location availability. | Visit Petsecure |
| Bivvy Pet Insurance | Legacy or limited-availability pet insurance name | This name may appear in older pet insurance searches. Verify current availability and servicing before relying on old information. | Check Bivvy |
| TrustedPals | Legacy or verification-needed pet insurance name | This name may appear in older pet insurance searches. Verify current status before using old contact details. | Verify With NAIC |
Wellness and Vet Plan Providers
Pet wellness plans, vet subscription plans, and preventive care packages are often confused with pet insurance. Some help with routine care such as vaccines, exams, dental cleanings, flea prevention, or wellness visits, but they may not cover major accident or illness claims the way insurance does.
| Provider or Program | Common Focus | What to Know | Where to Start |
|---|---|---|---|
| Banfield Optimum Wellness Plans | Routine veterinary care plans | Wellness plans are not the same as accident and illness insurance. Review what services are included. | Visit Banfield |
| VCA CareClub | Routine veterinary care membership | Designed for preventive vet care through participating VCA hospitals, not traditional pet insurance. | Visit VCA CareClub |
| Petco Vital Care | Pet wellness membership and routine care support | May help with routine pet care costs, but verify whether it is insurance or a membership benefit. | Visit Petco Vital Care |
| Chewy CarePlus | Pet insurance and wellness-related offerings | May connect pet owners to insurance or wellness options through Chewy-related programs. | Visit Chewy CarePlus |
| Wagmo Wellness | Pet wellness and reimbursement plans | Often researched by pet owners comparing wellness support for routine care. | Visit Wagmo |
| Pet Assure | Veterinary discount plan | Discount plans are different from insurance. Confirm participating vets and covered discounts. | Visit Pet Assure |
| Pawp | Virtual vet support and emergency fund-style membership | Membership products may not work like standard pet insurance. Read the terms carefully. | Visit Pawp |
| Fuzzy Pet Health | Virtual pet care and membership-style support | May appear in pet health membership searches; verify current services and availability. | Check Fuzzy |
Wellness Plan Warning
A wellness plan, vet subscription, or discount program may not cover emergency surgery, cancer treatment, broken bones, swallowed objects, or major illnesses. Read the product carefully before assuming it replaces pet insurance.
Pet Insurance Underwriters and Administrators
The pet insurance brand you recognize may not be the same name as the underwriter, administrator, or insurance company listed in the policy documents. This matters when you need to verify licensing, file a claim, or understand who is legally responsible for the policy.
| Name You May See | Role It May Play | Why It Matters |
|---|---|---|
| United States Fire Insurance Company | Underwriter for some pet insurance programs | This name may appear on policy documents even when the consumer-facing brand is different. |
| Independence American Insurance Company | Underwriter for some pet insurance programs | May appear in policy documents, state filings, or pet insurance underwriter lists. |
| American Modern Insurance Group | Insurance group connected to some pet insurance programs | May appear in policy or underwriting references depending on the plan. |
| Markel Insurance Company | Underwriter or insurance company name in some pet coverage documents | May appear behind certain pet insurance products or program structures. |
| National Casualty Company | Underwriter name that may appear on some pet insurance documents | Use the underwriting company name when verifying coverage through official insurance resources. |
| Trupanion Managers USA | Administrator or related pet insurance service entity | May appear in claims, administration, or state-specific policy documents. |
| Crum & Forster Pet Insurance Group | Pet insurance administrator or program group | May appear in pet insurance underwriting, administration, or brand relationships. |
| NSM Insurance Group | Program administrator or specialty insurance group | May appear in connection with specialty pet insurance programs. |
Underwriter Tip
If you are checking whether a pet insurance policy is legitimate, look beyond the brand name. Review the policy declarations, sample policy, underwriter name, administrator name, state availability, and claims instructions.
Legacy and Former Pet Insurance Names
Some pet insurance names still appear on old policies, claim emails, vet records, review pages, or comparison websites after a brand changes, merges, stops selling new policies, or moves servicing to another company.
| Legacy or Former Name | What Pet Owners Should Know | Where to Start |
|---|---|---|
| Petplan | This former name may appear on older policy documents and claim records. Many searches now point to Fetch. | Check Fetch |
| PetFirst | This former name may appear on older pet insurance documents. Many searches now point to MetLife Pet Insurance. | Check MetLife Pet |
| 24PetWatch Insurance | This name may appear in older pet insurance and microchip-related searches. Verify current servicing and product details. | Check 24PetWatch |
| Bivvy | This name may appear in older low-cost pet insurance searches. Verify current availability and servicing before relying on old information. | Check Bivvy |
| TrustedPals | This name may appear in older pet insurance searches. Verify current status through official insurance resources. | Verify With NAIC |
| PetPremium | This name may appear in older pet insurance marketplace searches. Verify current status before submitting personal information. | Verify With NAIC |
| PurinaCare Pet Health Insurance | This name may appear in older pet insurance searches and historical policy references. | Verify With NAIC |
Legacy Name Warning
Do not send vet records, claim forms, payment details, or personal information to a pet insurance name found on old documents until you verify the current insurer, administrator, underwriter, or official claims contact.
How to Verify a Pet Insurance Company
Before buying pet insurance or filing a claim, confirm that you are dealing with the official provider, administrator, underwriter, or licensed seller.
Verification Checklist
- Check the official website: Look for the provider’s real domain, not an ad, copied quote page, or lead form.
- Read the sample policy: Look for the underwriter, administrator, exclusions, waiting periods, and claim rules.
- Check state insurance resources: Use your state insurance department or NAIC tools when you need to verify licensing.
- Review the underwriter name: The consumer brand may not be the same as the insurance company behind the policy.
- Confirm claims instructions: Use the official app, portal, email, or mailing address before sending vet records.
- Ask about pre-existing conditions: Find out how the company defines curable, incurable, bilateral, hereditary, and chronic conditions.
- Save documents: Keep policy declarations, medical records, claim confirmations, and reimbursement notices.
Vet Record Tip
Pet insurers often review prior vet records when deciding claims. Before buying coverage, ask your vet for your pet’s medical history so you understand what could be treated as pre-existing.
How to Compare Pet Insurance Companies
The best pet insurance company is not always the cheapest company. A low premium can become expensive if the plan has a high deductible, low annual limit, strict exclusions, long waiting periods, or no coverage for the condition your breed is most likely to face.
What to Compare Before Choosing
- Accident coverage
- Illness coverage
- Annual coverage limit
- Deductible
- Reimbursement percentage
- Waiting periods
- Pre-existing condition rules
- Breed-specific and hereditary condition coverage
- Dental illness coverage
- Behavioral therapy coverage
- Alternative therapy coverage
- Exam fee coverage
- Prescription medication coverage
- Direct vet payment options
- Wellness or preventive care add-ons
- Claim processing method
Trusted Company Reality
The most trusted pet insurance company for one pet owner may not be the best fit for another. Your pet’s species, breed, age, medical history, ZIP code, vet costs, and your budget all affect which company makes sense.
For a deeper look at cost and value, read Is Pet Insurance Worth It? Real Costs Pet Owners Should Know.
Who Is the Cheapest Pet Insurance Provider?
There is no single cheapest pet insurance provider for every pet. Price depends on your pet’s species, breed, age, location, deductible, reimbursement percentage, annual limit, wellness add-ons, and claim history rules.
One company may be cheaper for a young indoor cat, while another may be better for a large-breed dog, a puppy, an older pet, or a pet owner who wants unlimited annual coverage.
Cheap Pet Insurance Reality
A cheap policy is only useful if it covers the accident, illness, surgery, medication, or diagnostic test that could create the biggest vet bill. Compare benefits and exclusions before choosing the lowest premium.
Best Pet Insurance for Puppies and Kittens
Puppies and kittens are often easier to insure before they develop symptoms, injuries, allergies, dental disease, hip problems, or chronic conditions. Buying early may help reduce future pre-existing condition problems.
Young Pet Owners Should Compare
- Minimum enrollment age
- Accident waiting period
- Illness waiting period
- Hereditary and congenital condition coverage
- Dental illness coverage
- Parasite and vaccine wellness options
- Spay or neuter wellness options
- Microchip reimbursement options
- Exam fee coverage
- Lifetime renewal rules
Puppy and Kitten Tip
The best time to compare pet insurance is usually before your pet gets sick or injured. Once symptoms appear in the vet record, future claims related to that condition may be limited or denied.
For timing help, read Best Time to Buy Pet Insurance: When to Enroll for Maximum Coverage.
Best Pet Insurance for Older Pets
Older pets can still qualify for coverage with some companies, but premiums may be higher and pre-existing conditions become more important. Pet owners should read age rules, condition exclusions, waiting periods, and reimbursement terms carefully.
Older Pet Owners Should Check
- Maximum enrollment age, if any
- Premium increases with age
- Coverage for chronic conditions
- Pre-existing condition definitions
- Curable condition rules
- Dental disease rules
- Arthritis, hip, knee, or ligament exclusions
- Prescription medication coverage
- Diagnostic testing coverage
- Annual limit and reimbursement options
Older Pet Warning
If your pet already has symptoms, diagnosis, treatment history, or abnormal exam notes, do not assume a new policy will cover that condition. Ask the insurer how it reviews prior medical records.
Popular Pet Insurance Documents You May Need
If you are researching a pet insurance company, you may need documents that confirm the provider, underwriter, policy number, waiting period, claim status, vet treatment, or reimbursement details. The same verification steps apply whether you are dealing with a major pet insurer, wellness provider, underwriter, former company name, or marketplace quote.
Documents to Check
- Pet insurance policy declarations page
- Sample policy
- Schedule of benefits
- Underwriter notice
- Waiting period notice
- Claim form
- Vet invoice
- Medical records
- SOAP notes
- Vaccination records
- Prescription receipts
- Diagnostic test results
- Claim approval or denial letter
- Reimbursement explanation
- Wellness plan agreement
Document Tip
If you are trying to identify a pet insurer, look for the policy number, underwriter name, administrator name, claims address, waiting period language, and reimbursement schedule on the declarations page or sample policy.
Related Pet and Insurance Guides
Use these PolicyPorch guides to understand pet insurance timing, cost, homeowners insurance pet issues, and related insurance company directories.
- Is Pet Insurance Worth It? Real Costs Pet Owners Should Know
- Best Time to Buy Pet Insurance: When to Enroll for Maximum Coverage
- Does My Homeowners Insurance Cover My Pets?
- Auto Insurance Company Directory
- Life Insurance Companies Directory
- Pet Insurance Companies Directory
- Auto Insurance Company Directory
- Homeowners Insurance Companies Directory
- Renters Insurance Companies Directory
- Travel Insurance Companies Directory
- Umbrella Insurance Companies Directory
Frequently Asked Questions FAQ’s
What is the most trusted pet insurance company?
The most trusted pet insurance company depends on your pet’s species, breed, age, medical history, location, claim expectations, and budget. Compare underwriters, exclusions, waiting periods, reimbursement rules, and customer service before choosing.
How do I compare pet insurance companies?
Compare the same deductible, reimbursement percentage, annual limit, waiting periods, accident coverage, illness coverage, pre-existing condition rules, hereditary condition coverage, dental illness coverage, and claim process.
Who is the cheapest pet insurance provider?
There is no single cheapest provider for every pet. Price depends on your pet’s age, breed, ZIP code, coverage limit, deductible, reimbursement level, and optional wellness benefits.
What is the best pet insurance company for puppies and kittens?
The best company for puppies and kittens is usually one with strong accident and illness coverage, reasonable waiting periods, hereditary condition coverage, dental illness options, and renewal rules that work as the pet ages.
Can older pets get pet insurance?
Yes, some companies insure older pets, but premiums may be higher and pre-existing conditions are more likely to affect coverage. Check age limits, chronic condition rules, and prior medical record requirements.
Is a pet wellness plan the same as pet insurance?
No. A wellness plan usually helps with routine care such as exams, vaccines, or preventive services. Pet insurance usually focuses on eligible accident and illness costs, depending on the policy.
How do I know if a pet insurance company is legitimate?
Check the official website, read the sample policy, identify the underwriter and administrator, verify licensing through state insurance resources when needed, and avoid unverified payment or claim links.
Does pet insurance cover pre-existing conditions?
Many pet insurance policies exclude pre-existing conditions, although some may treat certain curable conditions differently after a symptom-free period. Read the policy definition before buying.
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