7 Best Pet Insurance Companies in Alaska – MarketWatch

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Endless opportunities to explore the great outdoors make Alaska a popular state for pet owners. Whether you live in Juneau, Anchorage or somewhere else in The Last Frontier, you have access to several pet insurance providers that can protect your furry friend on all of your adventures.
We at the Home Media Reviews team have spent hundreds of hours comparing the top pet insurance companies in Alaska based on affordability, coverage and customer service. Read our guide to determine which company offers the best pet insurance for you.
 
Based on our extensive research, these are the seven best pet insurance providers in Alaska:
 
Highlights:
Coverage: Spot’s accident-only plan covers issues like broken bones and cuts. Its accident-and-illness plan provides anywhere from $2,500 to unlimited annual coverage for accidents and a range of illnesses.
Some commonly covered conditions include diabetes, cancer, behavioral issues and respiratory illnesses. Spot’s plans exclude coverage for preexisting health conditions, elective procedures and breeding and pregnancy costs.
Spot’s routine wellness plan covers preventive care costs such as annual checkups and dental cleanings. The Gold plan costs around $10 per month and provides $250 of annual coverage benefits, while the Platinum plan costs $25 per month and extends benefits to $450 per year.
To give you an idea of how much Spot pet insurance costs, here are some average monthly premiums based on quotes we obtained for 4-year-old, mixed-breed dogs and cats in Anchorage, Alaska, with varying coverage limits, annual deductibles and reimbursement rates:
Get a quote: To customize your Spot pet insurance policy, get a quote on Spot’s website.
To learn more: Spot Pet Insurance review
 
Highlights:
Coverage: Embrace offers an accident-and-illness plan and a wellness care add-on. Its basic pet insurance plan provides $5,000–$30,000 of annual benefits for accidents or illnesses such as dental trauma, diabetes and chronic conditions, such as hip dysplasia and allergies. It does not cover cosmetic or elective procedures, preexisting conditions or breeding costs.
Embrace’s Wellness Rewards plan provides reimbursement for routine veterinary bills related to grooming, annual wellness exams and vaccinations. Embrace fully reimburses approved claims up to your choice of $250, $450 or $650 per year.
Here are average price ranges from our sample quotes for 4-year-old, mixed-breed pets in Anchorage, Alaska, with varying coverage limits, reimbursements and deductibles:
Get a quote: Fill out Embrace’s form for a free quote on your policy.
To learn more: Embrace Pet Insurance review
 
Highlights:
Coverage: Healthy Paws’ single plan provides limitless coverage for vet bills related to treatments and procedures for accidents and illnesses, such as surgery, animal hospitalization, prescriptions and rehabilitation. It does not cover preexisting conditions, spaying, neutering or routine care. The plan also excludes hip dysplasia during the first 12 months of coverage.
The quotes below provide average cost ranges for 4-year-old, mixed-breed dogs and cats in Anchorage, Alaska:
Get a quote: Fill out Healthy Paws’ easy online form to get a pet insurance quote.
To learn more: Healthy Paws Pet Insurance review
 
Highlights:
Coverage: Figo provides one accident-and-illness plan that comes in three levels. At each level, pet owners get coverage for diagnostics, medications, emergency care and other treatments for accidents and illnesses.
The Essential plan provides $5,000 of annual protection, while the Preferred plan offers $10,000. The Ultimate plan has unlimited annual policy benefits. Figo also offers optional vet exam fee coverage and wellness benefits such as dental care coverage.
To help you compare rates, we obtained sample quotes from Figo for 4-year-old, mixed-breed dogs and cats in Anchorage, Alaska:
Get a quote: Complete Figo’s quick form for a free quote.
 
Highlights:
Coverage: Prudent Pet has three pet insurance plans. The Accident-only plan offers $10,000 of annual coverage for accidents and injuries such as burns or hip issues. The Essential Plan provides $10,000 of coverage for accidents and a range of conditions, including diabetes and allergies.
The Ultimate Plan provides unlimited annual coverage for accidents and illnesses such as the ones mentioned above. It also covers unique expenses, such as lost pet advertising and reward money and kennel fees if a medical emergency leaves you hospitalized for four or more days.
We got quotes for 4-year-old, mixed-breed dogs and cats in Anchorage, Alaska, with numerous annual coverage limits, deductibles and reimbursement levels:
Get a quote: Get a customized quote from Prudent Pet on the provider’s website. 
To learn more: Prudent Pet Insurance review
 
Highlights:
Coverage: ASPCA Pet Health Insurance offers Accident-Only Coverage and Complete Coverage. Complete Coverage extends to both accidents and illnesses. Pet owners can supplement their plans with Basic and Prime routine care add-ons for dental cleanings, wellness exams, fecal testing and vaccines. The Basic plan provides $250 of coverage and the Prime plan offers $450 of annual benefits.
We gathered quotes for 4-year-old, mixed-breed dogs and cats in Anchorage, Alaska, to give you a cost estimate:
Get a quote: Fill out ASPCA’s online form for an instant quote on a pet policy.
To learn more: ASPCA Pet Health Insurance review
 
Highlights:
Coverage: Fetch’s accident-and-illness plan reimburses you for procedures, treatments and vet visit fees related to hereditary conditions, chronic illnesses, behavioral disorders, dental trauma, cancer, injuries and more. It excludes elective procedures, preexisting conditions, breeding expenses and preventive care costs such as vaccines, routine checkups and blood tests. 
Fetch offers a few coverages typically excluded by competitors, such as pet boarding costs if you are hospitalized for four days or more, vacation cancellation fees if you must forgo a trip due to your pet’s covered accident or illness and reward and advertising money if your dog or cat is lost. It also provides dental trauma coverage for all of your pet’s teeth and the entire cost of sick visits, which are often excluded.
The quotes below are for 4-year-old, mixed-breed dogs and cats in Anchorage, Alaska, based on a range of annual coverage limits, deductibles and reimbursement rates:
Get a quote: Customize your Fetch pet insurance policy by getting a quote on Fetch’s website.
To learn more: Fetch Pet Insurance review
 
The best pet insurance company in Alaska is Spot, based on our thorough review of coverage, cost and customer experience. With two routine care options, accident-only and accident-and-illness coverage, Spot can provide flexible protection for a unique range of needs.
We have vetted each company in this review, however, and all providers offer commendable coverage and unique benefits to Alaska pet owners. You should choose the pet insurance company that best matches your pet’s needs and your budget. We recommend you compare quotes from at least three companies to ensure you choose the right plan.
 
Here’s a quick comparison of the top pet insurance companies in Alaska.
Provider
Get a Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-pet Discount
Mobile App
Spot
Visit Spot
89
$50.27
14 days for all conditions
10%
✔
Embrace
Visit Embrace
90.5
$49.08
2 days for accidents; 14 days for illnesses

10%
✔
Healthy Paws
Visit Healthy Paws
84
$51.75
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
90
$21.74
Varies by ZIP code
5–10%
✔
Prudent
Visit Prudent Pet
90.5
$35.00
2 days for accidents; 14 days for illnesses
5%
✔
ASPCA
Visit ASPCA
90
$50.37
14 days for all conditions
10%
✔
Fetch
Visit Fetch
89.5
$40.79
15 days for all conditions
None
✔
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Anchorage, Alaska. Pricing may vary based on your pet’s age, breed and location, so we recommend getting quotes directly from companies so you can get the most accurate cost information.
 
There are three types of pet insurance policies, defined below:
 
Here are a few practical tips for selecting the right pet insurance provider:
While the state of Alaska does not have unique laws specifically geared towards pet insurance policyholders, it does provide resources for filing a complaint against your insurer. You can find extensive resources and file a consumer complaint with Alaska’s Division of Insurance for some of the following issues:
The National Association of Insurance Commissioners (NAIC) is also in the ongoing process of passing new regulations to protect pet owners and ensure coverage is honored in the event of a claim.
 
Each of the pet insurance companies in this review are widely accepted and will work with any licensed veterinarian in the nation. Fetch by The Dodo’s coverage is the most widely accepted, working in both the United States and Canada.
Pet healthcare plans are worth it if you’re seeking peace of mind that you can afford treatment for your pet when it gets sick or injured. In our survey of 1,000 pet owners, more than 40% of respondents stated they’d have to use a credit card or take out a personal loan to pay for a vet emergency. Pet insurance will reimburse you for large portions of those hefty bills, leaving you with only your monthly premium and copays.
No pet insurance company covers preexisting health issues, but you can get pet insurance after diagnosis. While your policy won’t cover treatment of your pet’s already diagnosed condition, it can be applied to unrelated accidents and illness.
Yes, all pet insurances have a waiting period during which accidents and illnesses will not be covered. Be sure to check each dog or cat insurance policy’s waiting period as they vary by provider.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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