The Best Pet Insurance Options in 2023


As a pet owner, ensuring your furry friend’s health and well-being is a top priority. With rising veterinary costs and unexpected medical emergencies, having reliable pet insurance can make a significant difference. In this article, we’ll explore the best pet insurance options available in 2023 based on Forbes Advisor’s list.

1. Healthy Paws Pet Insurance:

Healthy Paws stands out for its comprehensive coverage, unlimited payouts, and fast reimbursement rates. They offer customizable plans for both dogs and cats, covering accidents, illnesses, hereditary conditions, and congenital conditions. With a user-friendly mobile app and excellent customer reviews, Healthy Paws is a top choice for many pet owners.

2. Embrace Pet Insurance:

Embrace offers flexible and comprehensive plans that allow you to adjust your deductible, annual maximum, and reimbursement rate. They cover various aspects such as accidents, illnesses, breed-specific conditions, dental illnesses, and alternative therapies. Their wellness rewards program includes coverage for routine care and elective procedures.

3. Trupanion Pet Insurance:

Trupanion provides extensive coverage with no payout limits and 90% reimbursement of eligible expenses. They cover hereditary conditions, congenital conditions, diagnostic tests, medications, surgeries, and hospitalizations. Trupanion offers a unique direct payment option to partnering veterinary clinics for hassle-free reimbursements.

4. Figo Pet Insurance:

Figo is known for its customizable plans that focus on comprehensive medical coverage for accidents and illnesses. Their preventive care options range from annual checkups to vaccinations and dental cleanings. The Figo app acts as a hub where you can easily manage claims, access your pet’s records, and find other pet-friendly resources.

5. Nationwide Pet Insurance:

Nationwide covers various pets – from dogs and cats to birds and exotic animals – through different plans tailored to your needs. Their comprehensive whole pet with wellness plan includes accident, illness, and preventive care coverage. Additionally, Nationwide offers a member-only portal, allowing you to access resources and file claims.


Choosing the best pet insurance requires assessing your pet’s unique needs and financial considerations. Compare policy details, exclusions, customer service, and reimbursement processes to make an informed decision. The list above, based on Forbes Advisor’s analysis, is an excellent starting point in your quest to find the ideal pet insurance plan for your beloved companion.