3. Trupanion

Trupanion is one of the best mainly because they do the direct payment to your vet, meaning you won’t have to file a claim. Like Healthy Paws, this insurance company doesn’t have a payout limit and features only one plan.

However, their plan has more options such as Recovery, Pet Owner Assistance Package and Care Rider which will come in handy.

Trupanion has a refer a friend program which will get you $25 per recommended friend, with a $100 limit per year. In addition, it offers a lifetime per condition deductible, unlike Healthy Paws which offers an annual one.

Their premium sample for dogs is $63.61 and the one for cats is $28.06.