Best Pet Insurance Companies
Compare top-rated pet insurance plans. Find affordable coverage for your dog or cat and protect against unexpected vet bills.
$10-$50
Monthly Cost
70-90%
Reimbursement
2-14 days
Waiting Period
24-48h
Claim Processing
Quick Comparison Table
| Company | Rating | From/Month | Reimbursement | Annual Limit | Action |
|---|---|---|---|---|---|
🍋Lemonade | 4.9 | $10 | 70-90% | $5K-$100K | Get Quote |
🐾Healthy Paws | 4.8 | $15 | 70-90% | Unlimited | Get Quote |
🏆Pets Best | 4.7 | $12 | 70-90% | $5K-Unlimited | Get Quote |
🤗Embrace | 4.7 | $13 | 70-90% | $5K-$30K | Get Quote |
💎Trupanion | 4.6 | $20 | 90% | Unlimited | Get Quote |
🐕Spot | 4.5 | $11 | 70-90% | $2.5K-Unlimited | Get Quote |
🎃Pumpkin | 4.5 | $20 | 90% | $10K-$20K | Get Quote |
🐱ASPCA Pet Insurance | 4.4 | $14 | 70-90% | $5K-Unlimited | Get Quote |
Detailed Reviews
Lemonade
Starting from
$10/mo
Reimbursement
70-90%
Deductible
$100-$500
Annual Limit
$5K-$100K
Waiting Period
2 days (accidents)
Key Features
Pros
- +Fast claim processing
- +Affordable premiums
- +Easy mobile app
Cons
- -Limited exotic pet coverage
- -Not available in all states
Best For: Tech-savvy pet owners who want quick, hassle-free claims
Healthy Paws
Starting from
$15/mo
Reimbursement
70-90%
Deductible
$100-$750
Annual Limit
Unlimited
Waiting Period
15 days
Key Features
Pros
- +Unlimited lifetime benefits
- +No caps on payouts
- +Great customer service
Cons
- -No wellness coverage
- -Higher premiums for older pets
Best For: Pet owners who want unlimited coverage with no caps
Pets Best
Starting from
$12/mo
Reimbursement
70-90%
Deductible
$50-$1000
Annual Limit
$5K-Unlimited
Waiting Period
3 days (accidents)
Key Features
Pros
- +Low deductible options
- +Fast reimbursement
- +Flexible plans
Cons
- -Exam fees not covered
- -Rate increases with age
Best For: Budget-conscious pet owners who want flexibility
Embrace
Starting from
$13/mo
Reimbursement
70-90%
Deductible
$200-$1000
Annual Limit
$5K-$30K
Waiting Period
2 days (accidents)
Key Features
Pros
- +Deductible decreases yearly
- +Comprehensive coverage
- +Dental coverage
Cons
- -Lower annual limits
- -6-month orthopedic wait
Best For: Pet owners who want comprehensive coverage with wellness
Trupanion
Starting from
$20/mo
Reimbursement
90%
Deductible
$0-$1000
Annual Limit
Unlimited
Waiting Period
5 days
Key Features
Pros
- +Direct vet payment
- +90% coverage
- +No lifetime limits
Cons
- -Higher monthly cost
- -One plan option
Best For: Pet owners who want hassle-free vet payments
Spot
Starting from
$11/mo
Reimbursement
70-90%
Deductible
$100-$1000
Annual Limit
$2.5K-Unlimited
Waiting Period
2 days (accidents)
Key Features
Pros
- +Covers exam fees
- +No age restrictions
- +Customizable
Cons
- -Newer company
- -14-day illness wait
Best For: Owners of senior pets or those wanting exam fee coverage
Pumpkin
Starting from
$20/mo
Reimbursement
90%
Deductible
$100-$500
Annual Limit
$10K-$20K
Waiting Period
14 days
Key Features
Pros
- +High reimbursement
- +Behavioral coverage
- +Free telehealth
Cons
- -Lower annual limits
- -Higher starting price
Best For: Pet owners who want high reimbursement rates
ASPCA Pet Insurance
Starting from
$14/mo
Reimbursement
70-90%
Deductible
$100-$500
Annual Limit
$5K-Unlimited
Waiting Period
14 days
Key Features
Pros
- +Well-known brand
- +Multi-pet savings
- +Good coverage options
Cons
- -14-day waiting period
- -Pre-existing exclusions
Best For: Pet owners who trust established brands
How to Choose Pet Insurance
Consider Your Pet's Needs
Age, breed, and health history affect coverage options and costs.
Compare Coverage Types
Accident-only vs. accident & illness vs. comprehensive with wellness.
Check Reimbursement & Limits
Higher reimbursement means more money back, but may cost more monthly.
Read Reviews & Claims Process
Fast, easy claims mean less stress during emergencies.
Frequently Asked Questions
What does pet insurance cover?
Pet insurance typically covers accidents, illnesses, surgeries, hospitalizations, prescriptions, and diagnostic tests. Some plans also offer wellness coverage for routine care like vaccinations and dental cleanings. Pre-existing conditions are generally not covered.
How much does pet insurance cost?
Pet insurance costs vary based on your pet's age, breed, location, and coverage level. On average, dog insurance costs $30-$50/month and cat insurance costs $15-$30/month. Accident-only plans can be as low as $10/month.
Is pet insurance worth it?
Pet insurance can be worth it if you want financial protection against unexpected vet bills. A single emergency can cost $3,000-$10,000+. Insurance helps you make medical decisions based on your pet's needs rather than cost. It's especially valuable for breeds prone to health issues.
What is the best pet insurance company?
The best pet insurance depends on your needs. Lemonade offers fast AI claims and low prices. Healthy Paws provides unlimited coverage. Pets Best has flexible plans. Trupanion pays vets directly. Compare plans based on your budget, pet's age, and desired coverage.
When should I get pet insurance?
The best time to get pet insurance is when your pet is young and healthy. Premiums are lower for younger pets, and you'll avoid pre-existing condition exclusions. Many experts recommend getting coverage as soon as you adopt a new pet.
Does pet insurance cover pre-existing conditions?
Most pet insurance policies do not cover pre-existing conditions. However, some insurers may cover "curable" pre-existing conditions after a waiting period if your pet has been symptom-free for 12-18 months. Always read policy details carefully.
Pet Emergency?
If your pet needs immediate care, don't wait. Contact your nearest emergency vet or call the ASPCA Animal Poison Control.
ASPCA Poison Control: (888) 426-4435More Pet Care Tools
Keep your pet healthy with our free tools.
Disclaimer: This comparison is for informational purposes only. Prices and coverage may vary based on location, pet details, and plan selection. We may earn a commission when you sign up through our links at no extra cost to you. Always read policy documents carefully before purchasing.