Read our honest review on Animalia Pet Insurance to see why it is a top choice for pet protection. Learn about their coverage, price and plans, and benefits.

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InsuranceRanked Score 4.75
Year Founded 2022
AM Best Rating Not Rated

Animalia 2024 Review

Bryan Huynh

Product Tester & Writer

Animalia screen shot

As a dedicated pet parent, I understand the special bond we have with our pets. Our pets are cherished members of our families, bringing us joy, comfort, and constant companionship. However, they, like us, may experience unexpected health issues or accidents that necessitate immediate medical attention. I chose Animalia as my pet insurance provider because it provides a safety net for both our beloved pets and our wallets.

In this detailed Animalia Pet Insurance review, I'll go over the specifics of what this insurance provider has to offer. From coverage plans that meet different needs to the benefits that come with them, we'll look at how Animalia works to give us peace of mind and financial security when it comes to our pets' well-being.

So, whether you're a new pet owner looking for the best care options or a seasoned pet enthusiast considering a change, come along with me as we learn about Animalia Pet Insurance. By the end of this review, you'll know whether this insurance provider is the best fit for protecting your beloved companion's health and happiness.

About Animalia

Let's face it, fellow pet parents: vet bills are an unwelcome part of the pet parent experience. No matter how vigilant you are, you will find yourself in the waiting room, your heart aching for your furry friend who is ill or injured. To add salt to the wound, the already stressful situations are made even more so by the high costs of pet care. It goes without saying that tight budgets can lead to agonizing decisions.

But there's good news: pet insurance companies like Animalia are stepping in to help. They provide a lifeline for those high costs, allowing you to provide the best care for your pet. There's no need to worry about paying for tests, treatments, or recovery if Animalia can help.

Animalia stands out as a provider who truly understands. They provide comprehensive policies that are centered on you and your beloved pet. Say goodbye to the stress of endless paperwork and the agony of waiting. Animalia covers routine care as well as life-threatening emergencies. What's the best part? You're free of those agonizing cost-based decisions, and you can focus your efforts on helping your beloved cat or dog heal.

It's straightforward, honest, and well-liked by both veterinarians and pet owners. When the chips are down, Animalia stands tall, providing compassionate care with a warm heart. So, instead of letting vet bills ruin your day, see what Animalia can do for you and your furry family member.

Why Choose Animalia?

I wholeheartedly recommend Animalia Pet Insurance for the protection and well-being of your beloved furry companions. With comprehensive coverage options, transparent pricing, and a reputation for responsive customer service, Animalia stands out as a dependable and caring partner in protecting your pet's health. Their flexible plans allow you to customize coverage to your pet's specific needs as well as your budget, giving you peace of mind in any situation.

The company's commitment to speeding up claims processing and reimbursements ensures that you will not face financial challenges while providing the best care for your pet. Furthermore, offering wellness and preventive care options, as well as telemedicine services, demonstrates Animalia's commitment to your pet's overall health and convenience. Based on its track record and the positive experiences shared by pet owners, Animalia Pet Insurance is an easy choice for anyone who wants to provide the best care for their furry companions.

Animalia Pet Insurance is an excellent choice for pet owners who prioritize their pets' well-being and want to ensure they receive the best care possible without breaking the bank. It is best suited for those looking for comprehensive coverage that includes illnesses, chronic conditions, and potentially hereditary issues in addition to accidents. Animalia is designed for you if you value transparent pricing, customizable plans that meet your pet's specific needs, and a simple claims process. Furthermore, if you value a company with a responsive customer service team and a commitment to quick claims processing, Animalia will provide you with peace of mind. Whether you have a young puppy or an old cat, Animalia Pet Insurance is an excellent choice for those who want to provide the best medical care for their pets while maintaining their own financial security.

How Does It Work?

Do you want to know how Animalia Pet Insurance works? Let me explain why Animalia Pet Insurance is so unique. First and foremost, it is not just regular coverage; it is comprehensive care. And here's the best part: you're in charge without our permission. You can select any licensed veterinarian or specialist you trust under your policy. There are no hoops to jump through, and no waiting for pre-approval. It's all about convenience.

So when your pet requires attention, it's a breeze. You go to your preferred vet clinic, one that both you and your pet are familiar with. Your vet does their job, diagnosing and treating your cat or dog without you having to worry about the cost. What is your primary focus? Providing your pet with the care they require, plain and simple.

You pay the vet directly after the care is completed. Take a picture of the receipt, and here's the cool part: you can send it in under 90 seconds. There will be no fancy forms or endless red tape. You can do so through the Animalia website, the claim bot, or by email. We're all about making this process as quick and simple as possible for you.

Now for the icing on the cake: we process claims quickly. Over 95% of claims are resolved in less than a week. What's more, guess what? The amount of reimbursement you receive is determined by your policy, but here's the deal: there are no hidden fees or surprises. You'll always be aware of what's coming your way.

Animalia Pet Insurance is all about giving you the ability to care for your pet without having to worry about costs or jumping through hoops. It's just you and your pet, getting the attention you both deserve.

Pros and Cons of Animalia


  • Choose Your Preferred Vet: While not always available, the option to choose any licensed veterinarian of your choice is frequently available. Many pet insurance companies allow you to select your veterinarian and then have your expenses covered.
  • Reimbursement for Vet Bills: The high costs of vet bills are well known, which is where pet insurance comes in. Most pet insurance plans cover a significant portion of your veterinary expenses, ranging from 70% to 90%. Naturally, the extent of coverage is determined by the pet insurance plan you select.
  • Protection Against the Unexpected: When accidents or unexpected illnesses occur, having insurance to cover the costs is invaluable. However, it should be noted that almost all pet insurance companies impose waiting periods before their policies begin covering accidents or illnesses.
  • Customizable Coverage: This is a significant advantage. Customized coverage can be a lifesaver if your pet has special needs or conditions. You have the freedom to customize your pet insurance coverage to meet your pet's specific needs. You can ensure that your pet is covered under your policy if they have pre-existing conditions or breed-specific vulnerabilities.
  • Budget-Friendly Options: One of the advantages of pet insurance is its adaptability to your financial situation. Based on your budget, you can choose your annual deductible, annual limit, and reimbursement level. With options ranging from basic coverage to comprehensive plans, you can select the one that best fits your budget.


  • Reimbursement-Based Plan: It works as a reimbursement model with pet insurance. This means you'll have to pay for the costs up front, and then your insurance company will reimburse you. The good news is that most pet insurance companies streamline the reimbursement process, ensuring you get your money in a matter of days.
  • Exclusion of Pre-existing Conditions: It's important to note that pet insurance generally does not cover pre-existing medical conditions. Most insurance companies will not provide coverage if your pet already has a specific condition, such as a chronic disease. Certain insurers, however, may cover curable pre-existing conditions if your pet has been symptom-free and treatment-free for a specified period of time, usually 12 to 18 months.
  • No Coverage for Routine Vet Visits: Pet insurance primarily protects against unforeseeable events. As a result, routine care such as regular vet visits, vaccinations, and spaying/neutering procedures are rarely covered by insurance companies.
  • "What If" Protection: Pet insurance, like other insurance policies, works on a "What if" basis. It is intended to protect you in the event of specific occurrences. While your pet may not require costly treatments such as chemotherapy or joint replacements, statistics show that approximately one in every three pets will experience a veterinary emergency in any given year. As a result, being prepared for such scenarios may be prudent.

Buying the Product:

If you're looking for pet insurance that focuses on caring rather than cost-cutting, Animalia is the place to be. We have a single, all-inclusive plan that is specifically designed to meet the health needs of your beloved pets.

There are no perplexing options here, folks! We have one solid plan, but here's the twist: each policy can differ slightly depending on a few factors. So all you have to do is go online and fill out a simple form. This will generate a personalized quote with deductible options to help you save money on yearly rates.

Pricing varies depending on whether your insurance covers a dog or a cat, which breed you have, the age of your pet, and also your location. Your annual rate may be increased if you have pre-existing illnesses or conditions.


Accept the assurance that your pet deserves with Animalia's simple and dependable insurance plans. In contrast to the unpredictability of your pet's health, we place a premium on straightforward and transparent coverage. Say goodbye to complicated exclusion lists and complicated regulations, and hello to a comprehensive approach that covers all of the common reasons you and your pet might visit the vet. You can expect Animalia to reimburse you for eligible expenses related to a variety of needs:

  • Lab work
  • Imaging scans
  • Emergency care
  • Surgeries
  • Hospitalization
  • Sick visits & Exam Fees
  • Cancer treatments
  • Prescription meds
  • Specialist visits
  • Behavioral therapy
  • Alternative care
  • Tele vet services
  • Prescription food & Dietary supplements
  • Orthodontic care
  • Exclusions

While Animalia strives to provide comprehensive coverage, there are a few exclusions that require your attention. These exclusions are fairly consistent across providers, making reimbursement for the following expenses unlikely under any insurance policy: Incurable pre-existing conditions Routine & preventive care Cosmetic treatments Spaying and neutering

Plans and Pricing

Animalia gives you the power to create the ideal policy for you and your furry companion. Customize your coverage to meet your needs and your budget, from choosing personalized deductibles to setting annual limits. Adjust your strategy until you find the sweet spot between being cost-effective today and in the long run. When you enroll, you can select your preferred options:

Annual Limit

  • $5,000
  • $10,000
  • $25,0000

Reimbursement Rate

  • 70%
  • 80%
  • 90%

Annual Deductible

  • $200
  • $350
  • $500

The options you select will have a direct impact on your monthly premiums. So, before making a decision, it's a good idea to look into all of your options. What's the good news? Animalia arrives to help. They offer a free quote to anyone interested in learning more about their monthly pet expenses. Elements such as preferred limits, deductibles, and reimbursement rates, as well as your pet's age and location, all contribute to the cost of your plan.

Bottom Line

Ultimately, my experience with Animalia Pet Insurance has been incredibly reassuring. Their compassionate approach and customizable coverage options are ideal for both my pet's needs and my budget. The ability to customize deductibles and annual limits provides me with the flexibility I would like. Furthermore, the free quote they provide allowed me to see exactly what I'd be paying each month, taking into account my pet's age and location. Animalia is definitely worth considering if you're looking for a pet insurance solution that puts you in control.

Looking to compare the best options for your pet? Check these out:

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Frequently Asked Questions

Q: Can I customize my coverage plan?

A: Yes, Animalia Pet Insurance frequently provides customized coverage plans. This allows you to customize your pet's insurance to meet their specific needs as well as your budget.

Q: Can I choose my own veterinarian?

A: Yes, you can choose any licensed veterinarian for your pet's medical needs. You can select your preferred veterinarian with Animalia Pet Insurance.

Q: Are pre-existing conditions covered?

A: Animalia, like most pet insurance companies, does not cover pre-existing conditions. These are health issues that your pet had prior to the start date of the policy.

Q: What is the claims process like?

A: The claims process consists of paying the veterinary bills in advance and then submitting a claim to Animalia for reimbursement. Animalia strives to provide a quick and efficient reimbursement process.

Q: How much will I be reimbursed for veterinary expenses?

A: The percentages of reimbursement may differ depending on the coverage plan you choose. Animalia Pet Insurance policies may cover anywhere from 70% to 90% of eligible veterinary expenses.

Q: Can I cancel anytime?

A: Feel free to cancel your policy anytime by sending a written notice – no worries at all. And hey, you might even qualify for a refund of your premium on a pro-rated basis.

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