Pet Insurance
Photo by Matthew Henry on Unsplash

While some people decide that they want to get pet insurance, sometimes just browsing the companies and the various offers can leave your head spinning. Trying to keep them all straight can be a headache, and it can make the entire process of insuring a pet seem like too much trouble to bother with. But pet insurance is important, and it’s not something you should put off any longer.

That’s why we’ve done the legwork and put together a list of the best pet insurance companies for the year ahead, and given you the important info on each. Also, for easy comparisons, all of these providers have a ton of perks like vet hotlines and direct vet payments. If you’re in a hurry, our pick or the best pet insurance or 2022 overall is right at the top.

Pumpkin Care

Pumpkin Care is our overall choice for the best pet insurance for 2022. They have the most well-rounded service and they help you provide excellent health care for your pet, no matter their current condition, age, or breed. They have plans that cover injuries, illnesses, and even preventative care and wellness checks.

In addition to covering every pet regardless of age or breed, they offer a simple 90% reimbursement rate across the board. You can always use the vet of your choice or convenience, and when you insure early on you can get some of the lowest premiums in the industry.


Lemonade offers pet insurance, as well as several other insurance products for those who are looking to bundle their coverage. This makes them a great option for people that prefer one-stop options, and they offer standard illness and accident coverage, as well as access to live vet chat options for covered pets.

Another perk to Lemonade is its record of charitable giving to animal rights organizations like The Humane Society and others.


ManyPets is an insurance option that offers a 100% coverage of vet costs, as well as relatively low yearly deductibles. This makes them a great option for those that can’t spend a lot on out-of-pocket costs. It’s also a great insurer for those who have pets with a pre-existing condition that has been inactive for 18 months or more.

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For those that prefer insurers who work with more holistic providers, ManyPets does offer coverage for holistic care and services, as well as for some supplements.


Embrace is a great option for all-inclusive insurance. It will cover just about everything from parasites to dental issues and much more. They are one of the insurance providers that also offer coverage for acupuncture, so if you prefer more holistic options this is a solid one.

Also nice is that they only count the previous 12 months of medical history when pricing their coverage. So if there was an issue your pup had two years ago, that flared up again, it won’t be considered pre-existing.

Healthy Paws

Healthy Paws is among some of the highest reimbursing insurers and will cover up to 90% of the vet bills. They aren’t as flexible as some other providers, but you will still be able to choose from 3 levels of deductibles and reimbursement rates to meet your needs.

If you want the option to explore alternative and holistic approaches to your pet’s health, Healthy Paws is going to be one of your best options. Healthy Paws is great for covering things like acupuncture, physical therapy, and even chiropractic care for your pet.


Spot is an incredibly flexible pet insurance provider that lets you decide what you need in terms of your deductible, reimbursement rates, and coverage levels. You’ll even have 30 days to cancel and get your money refunded.

If your pet is at higher risk of developing a condition that may be chronic enough to qualify as pre-existing, Spot may be ideal. Spot won’t count any illnesses seen in the waiting period as pre-existing if they haven’t occurred for 180 days.

Do You Really Need Pet Insurance?

For most people, the answer is yes. Not only can having pet insurance save you money on routine care and checkups, but it can make caring for your pet’s health much simpler. The best insurers won’t limit your vet choices, and will even pay the vet directly so there is no need to pay the whole sum initially.

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The best reasons to have pet insurance are the ones that you generally can’t predict, and often result in massive vet bills, like emergencies and accidents. If your pet is involved in an accident of any sort and requires life-saving medical treatment, the last thing you are going to want to worry about is the cost of the fix. In situations like that, you should be focused on the health of your pet and not the underlying or eventual cost, which is where pet insurance can step in to save the day and your pet.

Most pet owners can come up with a vet visit fee relatively easily, but when the bill for emergency surgery can quickly reach several thousand dollars the availability of funds can change rapidly. Most people don’t have a few thousand extra dollars to drop, even in an emergency situation, and the trauma of deciding that you simply can’t afford to save your pet’s life can be unspeakable.

The Best Pet Insurance For 2022

While there are a lot of providers out there, every pet owner and their pet have wants and needs that are a little different from the wants and needs of other pets and their owners. There will certainly be some differences in what is covered with regard to various services, checkups, and elective programs, but those are usually simple to navigate.

In the end, there are going to be some minor differences in pricing, but ultimately what matters is you getting your pet insured so they can be as healthy as possible. They deserve it, and so do you.

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