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2024

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Best Pet Insurance Companies in Birmingham, AL

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Birmingham Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

4309Reviewed

2588Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Birmingham, AL
WebsiteLicense: 3001717919

Expertise.com Rating

Why choose this provider?

Unity AIA delivers pet insurance policies to owners in Birmingham. The company covers risks that require hospitalization and medical treatment for animal companions. Plans are available for pets with pre-existing conditions like hereditary and congenital disorders, and there are no restrictions due to age or breed. Online chats with veterinarians are provided 24/7. The team also delivers non-life insurance products for homeowners. The agency is led by Emmica Spencer and Jovanna Smith. As an insurance education director, Spencer explains technical insurance matters to clients, while Smith takes charge of the agency's hiring department.

  • Hereditary & Congenital Conditions

832 Green Springs Hwy # 103, Homewood, AL 35209
WebsiteLicense: 25767

Expertise.com Rating

Review Sources

Google
4.7 (64)

Why choose this provider?

John Saddler is an Allstate insurance agent catering to clients in the Birmingham metro and the neighboring cities. He helps individuals apply for pet insurance products to protect the future of their pets and finances. He carries pet insurance policies covering medical treatments, medications, diagnostic tests, surgery, nursing care, and laboratory works. In addition to pet insurance, Saddler carries home, renters, condominiums, motorcycles, auto, and business insurance products. Saddler brings more than three decades of experience in the insurance industry.

  • Policy Bundle Discount

5239 Old Springville Road Suite 202, Pinson, AL 35126
WebsiteLicense: 3000290456

Expertise.com Rating

Why choose this provider?

Grayson Medford handles the insurance needs of clients in the Birmingham community. He offers pet medical insurance to help individuals and families protect their cats of different breeds, such as ragdolls, Persians, shorthairs, and tuxedos. He also caters to clients who wish to obtain pet insurance policies for their dogs or puppies, including huskies, hounds, and poodles. These policies cover pets' breed-specific conditions involving elbow and hip dysplasia, thyroid disease, and Cherry Eye. Medford also handles life, health, and disability insurance products.

  • Policy Bundle Discount

700 Maple Street Suite B, Birmingham, AL 35210
WebsiteLicense: 79316

Expertise.com Rating

Review Sources

Google
3.9 (9)

Why choose this provider?

Palomar Insurance is an agency that has been serving policyholders in Birmingham since 1954. The company offers pet insurance policies that cover pet medication, surgery, emergency hospitalization, and veterinarian visits. In addition, it also provides home, life, auto, watercraft, and condo insurance plans. Palomar Insurance has 41 staff members and six locations to serve its clients. Among the organizations it supports include the American Cancer Society, Habitat for Humanity, Children’s Hospital, and Joy To Life Foundation.

  • Accident Only

100 Olde Towne Rd Ste 106, Vestavia, AL 35216
WebsiteLicense: 217372

Expertise.com Rating

Review Sources

Google
4.9 (14)
Yelp
5.0 (1)

Why choose this provider?

William Moody is a Farmers Insurance agent who serves customers in Birmingham. He offers pet insurance policies for owners of dogs and cats. These policies provide financial coverage for the treatment of diabetes, arthritis, and allergies. They also cover the pet's physical rehabilitation and prescription medicines. Moody provides pet insurance products from Pets Best, which also has a mobile app that streamlines claims and access to policy details. He has been a Farmers Insurance agent for over 10 years.

  • Policy Bundle Discount

1501 Forestdale Blvd, Birmingham, AL 35214
WebsiteLicense: 44840

Expertise.com Rating

Review Sources

Google
3.3 (10)
Facebook
5.0 (1)

Why choose this provider?

Claude Houser provides clients in Birmingham with different types of insurance policies from State Farm. She helps families acquire insurance plans for their pets. State Farm's pet insurance covers payment for the medical attention dogs and cats need for their illnesses or injuries. Houser also offers life, home, health, auto, property, and business insurance. She extends her services to people inquiring about home loans, annuities, and banking. Houser has been a State Farm insurance agent since 1998.

1200 Corporate Dr, Ste 220, Hoover, AL 35242
WebsiteLicense: 3000411157

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Spencer Knight is a Hoover-based agent who serves clients in Birmingham. He provides a wide variety of Liberty Mutual Insurance products, including those for pets. This insurance allows policyholders to get veterinary care for their pets by easing the financial strain of unforeseen medical expenses resulting from injury or illness. It has three types of policies: accident only; accident and illness; and accident, illness, and wellness. The company has over a century of insurance experience and now serves 29 countries worldwide.

  • Policy Bundle Discount

3644 Vann Road, Suite 136, Birmingham, AL 35235
WebsiteLicense: 79705

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Since its establishment in 1994, Gurley-Cooke Insurance has been serving the financial security needs of people throughout the Birmingham metro and the communities surrounding Alabama. It offers pet insurance policies through the carrier, Figo, which reimburses unforeseen veterinary and medical expenses of pet cats and dogs. Figo features Pet Cloud, a technology-based element that can be used to manage a pet's life. The carrier also allows the use of its policy in Canada and Puerto Rico.

  • Accident Only

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Unity AIA
Birmingham, AL
John Saddler
832 Green Springs Hwy # 103, Homewood, AL 35209
Grayson Medford
5239 Old Springville Road Suite 202, Pinson, AL 35126
Palomar Insurance
700 Maple Street Suite B, Birmingham, AL 35210
William Moody
100 Olde Towne Rd Ste 106, Vestavia, AL 35216
Claude Houser
1501 Forestdale Blvd, Birmingham, AL 35214
Spencer Knight
1200 Corporate Dr, Ste 220, Hoover, AL 35242
Gurley-Cooke Insurance
3644 Vann Road, Suite 136, Birmingham, AL 35235

FAQs

  • How should Birmingham pet owners evaluate their pet insurance policies?

    Pet owners in Birmingham should carefully review their pet insurance plans by ascertaining whether they can choose their veterinarian or if the insurer imposes a list of approved ones. They must be aware of the policy's position on modifications and limitations to coverage due to age or breed-specific illnesses. Knowing whether making a claim could increase rates is also crucial.

  • What specifics do pet insurance providers in Birmingham provide regarding treatment costs?

    Pet insurance providers in Birmingham typically utilize a benefits schedule to detail payment amounts for treatments. This schedule can specify a percentage of the cost or a specific dollar amount the insurer will cover. While some insurers directly pay the veterinarian, pet owners often cover the entire treatment cost upfront. Afterward, they receive a reimbursement for the covered expenses. Copays or deductibles may also apply.

  • What questions should Birmingham pet owners ask when discussing pet insurance with insurers?

    When discussing pet insurance with insurers, Birmingham pet owners should keep the following crucial questions in mind:

    • Is it possible to select any veterinarian in Birmingham or elsewhere?
    • Does the policy include coverage for yearly physicals?
    • Do prescription medications count?
    • Are the policy's benefits renewable each year?
    • What exactly are the deductible and copay conditions?
    • Is the maximum dollar amount for office fees fixed?
    • Does the policy cover the costs of spaying or neutering pets?
  • Why should pet owners in Birmingham compare multiple insurance plans from various companies?

    Pet owners in Birmingham should compare multiple insurance plans from various companies to ensure they find the most comprehensive and suitable coverage for their pets. By comparing different options, they can identify policies that clearly define what is and isn't covered. Some pet owners seek insurance primarily for unforeseen events like accidents or major illnesses, while others desire coverage for every veterinary visit, including regular checkups. Making comparisons supports individualized and well-informed decision-making.

  • How does living in Birmingham affect pet insurance rates?

    In Birmingham, pet insurance costs are generally higher than in towns like Dayton or Gaylesville. This discrepancy is primarily due to the city's dense population. In addition to location, factors influencing insurance premiums include the breed, age, and gender of the pet. Pet owners should be aware of these factors when assessing insurance options.