Best Pet Insurance in Alaska (AK)

Spot may be a good option if you’re looking to customize your pet’s health insurance. Scoring a 91 out of 100 in our evaluation, Spot offers accident-only plans, accident-and-illness plans, and care add-ons. Additionally, you can tailor coverage limits, deductibles, and reimbursement rates to what works best for you.

Learn More: Spot Pet Insurance Review

Spot provides two standard plans for coverage—the Accident + Illness plan and the Accident-Only plan. The Accident-Only plan covers a variety of injury-related services, including these:

• Diagnostic testing
• Hospitalization
• Prescription medications
• Surgical procedures
• Veterinary treatments

The Accident + Illness plan covers everything included in the Accident-Only plan and similar treatments related to illness. Additionally, it covers treatment for behavioral problems and cancer. Neither of these plans covers preexisting conditions, cosmetic procedures, or preventive care. Spot offers customers an array of choices for coverage options. Pet owners can choose from seven annual limits, five deductibles, and three reimbursement options.

If preventive care coverage is something you’re looking for, Spot has two add-on policies for wellness coverage. The company’s basic plan (Gold Preventative Care) includes up to $250 in annual reimbursement for routine services such as dental cleanings, wellness exams, and rabies vaccinations. The more comprehensive plan (Platinum Preventative Care) has an annual coverage cap of $450. It includes additional items not covered in the basic plan, such as flea and heartworm prevention, urinalysis, and a blood test.

If you’re new to pet ownership, ASPCA provides numerous resources to teach you everything you need to know about owning and caring for a pet. Scoring an 89 out of 100, ASPCA features informative articles on various breeds, how to treat certain illnesses, and the latest pet trends. You can also access a helpful vet finder tool on its website and mobile app, where you can also file a claim and manage your plan.

Learn More: ASPCA Pet Insurance Review

ASPCA offers two pet insurance plans—the Complete Coverage plan and the Accident-Only plan. With Complete Coverage, pets receive comprehensive coverage, including these:

• Accidents (including care for related injuries and emergencies)
• Behavioral issues
• Hereditary and congenital conditions
• Major and minor illnesses

The Accident-Only plan is best suited for pet parents who want peace of mind should an emergency, accident, or unexpected injury occur, such as broken bones, cuts, and bite wounds. Like competitors, both ASPCA plans exclude preexisting conditions, whether they occur before or during the 14-day waiting period.

ASPCA covers preventive care with its Basic and Prime add-ons. These cover up to $250 or $450 annually, respectively, for dental cleanings, wellness exams, and vaccinations.

With a score of 93.5 out of 100, Embrace was our top choice for best deductibles. With Embrace, pet owners have the choice of five annual deductible options ($200, $300, $500, $750, or $1,000), as well as five annual reimbursement limits ($5,000, $8,000, $10,000, $15,000, or $30,000). The company also offers a Healthy Pet Deductible, through which your deductible reduces by $50 each year you have the policy and do not file a claim.

Learn More: Embrace Pet Insurance Review

Embrace offers pet owners two choices for their cat or dog—an accident-and-illness and an accident-only plan. The accident-and-illness plan covers a broad range of procedures and treatments, including these:

• Dental trauma
• Diagnostics (such as X-rays, MRIs, CT scans, ultrasounds)
• Exam fees
• General, specialist, and emergency care
• Genetic, chronic, and congenital conditions
• Surgery and hospitalization
• Prescriptions

While preexisting conditions are excluded, if your pet has a curable preexisting condition (such as a respiratory, ear, or bladder infection), Embrace will cover it as long as the same illness does not return within 12 months of the first occurrence.

The accident-only plan covers broken bones, poisoning, toxic or foreign ingestion, lacerations, burns, and procedures and prescriptions relating to accidents. There is an annual $100 deductible, and pet parents are reimbursed 90% of veterinary bills (up to $5,000 each year). If your pet is 15 years and older, they are limited to the accident-only plan.

In addition to a standard plan, Embrace provides an optional Wellness Rewards Plan, which reimburses pet owners for preventive care costs, including wellness exam fees, vaccinations, spay/neuter surgery, prescription diet foods, grooming, hip dysplasia exams, and more. Based on your pet’s anticipated needs, you can choose an annual limit of $250, $450, or $650, and optional Wellness Rewards will reimburse 100% of the covered items.

Healthy Paws received a score of 93.5 out of 100, as we were impressed with its unlimited coverage caps. Pet owners never have to worry about reaching a per-incident, yearly, or lifetime maximum or paying out of pocket for expensive vet bills after their deductible is met. Healthy Paws also provides a 30-day money-back guarantee if you are dissatisfied with your pet insurance plan.

Learn More: Healthy Paws Pet Insurance Review

Healthy Paws offers one standard accident-and-illness plan, with no maximum payout limit and no per-incident, annual, or lifetime caps. The standard plan covers a variety of testing, procedures, and treatments, which can include surgery, hospitalization, prescriptions, diagnostics, and specialty care.

Preexisting conditions, spay/neuter surgeries, wellness exams, and other preventive treatments are excluded. Healthy Paws also requires a 12-month waiting period for hip dysplasia, which competitors often cover after six months.

If you are a pet family that takes a holistic approach to health care, the folks at Fetch fully support that. Fetch scored a 91.5 out of 100 and was our top choice for best holistic coverage. Fetch covers alternative treatments and therapies, such as acupuncture and chiropractic treatment, typically limited or excluded by other companies. It also covers up to $1,000 for behavioral therapy.

Learn More: Fetch Pet Insurance Review

Fetch offers one plan for accidents and illnesses, with maximum annual payout options of $5,000, $10,000, or $15,000. You can also choose from a $300, $500, or $700 deductible and a 70%, 80%, or 90% reimbursement rate. Fetch’s policy offers well-rounded coverage that includes vet visits, procedures, and treatments related to an accident or illness. It also offers additional perks, such as coverage for hereditary conditions, comprehensive dental, vacation cancellation, boarding, and “televet” services (online messaging with a licensed vet).

Much like other providers, Fetch policies do not cover preexisting conditions, or cosmetic procedures.

Figo scored a 93 out of 100 and led the pack in extra coverage add-ons. In addition to its three standard plans, Figo has three separate add-on packages—wellness, vet exams, and an Extra Care Pack with several unique perks, including third-party property damage liability up to $10,000.

Learn More: Figo Pet Insurance Review

Figo offers customers three plans to choose from, each providing the same reimbursement options for expenses from accidents, injuries, illnesses, and ongoing conditions. The plans differ when it comes to the annual coverage cap:

• Essential Plan: $5,000 annual benefits
• Preferred Plan: $10,000 annual
• Ultimate Plan: Unlimited benefits

Plans have several exclusions, such as preexisting conditions, cosmetic surgeries, rehabilitation, behavioral treatment, supplements, and wellness visits. However, some of these may be covered when you purchase an add-on.

In addition to the Extra Care Pack, Figo’s Basic and Plus wellness add-ons reimburse for routine care such as vaccinations, blood tests, spay/neuter surgery, and heartworm prevention. There are caps for each treatment. Review this sample policy for more details.

With Prudent Pet’s extensive range of adjustable coverage options, it’s no surprise it scored 95 out of 100 for the most comprehensive plans. With three standard plans, four deductible amounts, three reimbursement options, and two add-ons, there’s an excellent chance you’ll find the coverage and price that works best for you and your furry friend.

Learn More: Prudent Pet Pet Insurance Review

Coverage through Prudent Pet offers three plan options—Essential, Unlimited, and Accident-Only. The Essential and Unlimited plans both provide accident-and-illness coverage, such as cancer treatments, hip dysplasia, hereditary conditions, broken bones, bite wounds, and prescriptions. However, the Unlimited plan comes with no annual limit and covers additional costs, including these:

• Advertising and rewards for a lost pet
• Behavioral disorders
• Boarding/kennel fees
• Mortality fees
• Replacement of a stolen or stray pet
• Vacation cancellation or postponement due to a pet’s covered accident or illness

The Accident-Only plan is a cheaper coverage option that covers bite wounds, broken bones, injuries to the mouth, diagnostic tests, surgery, specialized care, prescription medications, and swallowed foreign objects.

As an add-on, Prudent Pet also offers coverage to help with the costs of exams or consultations related to treating your pet’s covered illness or injury. Additionally, it offers low, medium, and high wellness coverage levels if pet owners want assistance paying for microchipping, vaccinations, spay/neuter surgeries, and wellness exams.