Best Pet Insurance Companies of 2026

Lemonade Pet uses AI to process claims, with many approved and paid within minutes. Premiums start at $10/month for puppies. The optional wellness package covers routine care including vaccines and checkups. The Giveback program donates unused premiums to a cause you choose. Exam fees are not covered in the base plan, and availability varies by state.

• Accidents: Broken bones, lacerations, ingested objects, car accidents
• Illnesses: Cancer, diabetes, allergies, infections, digestive issues
• Diagnostic tests: X-rays, MRIs, CT scans, blood work, urinalysis
• Surgery: Emergency and elective procedures
• Prescription medications covered
• Optional wellness add-on: Vaccines, flea/tick, annual checkups
• Behavioral conditions covered (after 6 months)
• Hereditary and congenital conditions covered
• No upper age limit for enrollment
• 24/7 vet chat included free

Healthy Paws provides unlimited coverage with no annual limits, lifetime caps, or per-incident maximums. This structure provides protection for expensive chronic conditions. Claims are processed in 2-3 days on average. The company has operated for 15+ years. Wellness coverage is not offered, and premiums are higher than budget alternatives.

• Unlimited annual benefits with no caps whatsoever
• Unlimited lifetime benefits
• No per-incident limits
• Accidents fully covered
• All illnesses including cancer covered
• Hereditary and congenital conditions covered
• Emergency care and hospitalization
• Surgeries and specialists
• Prescription medications
• Alternative therapies (acupuncture, chiropractic)
• Prosthetics and mobility devices

Embrace's Healthy Pet Deductible program reduces your deductible by $50 each claim-free year. Exam fees are covered in the base plan. The optional Wellness Rewards plan provides an allowance for routine care. Annual limits range from $5,000 to $30,000. Premiums increase as pets age.

• Healthy Pet Deductible decreases $50/year with no claims
• Exam fees covered in base plan (rare benefit)
• Accidents and illnesses covered
• Cancer, diabetes, and chronic conditions
• Hereditary and breed-specific conditions
• Alternative therapies included
• Behavioral therapy and training
• Optional Wellness Rewards (up to $650/year)
• Prescription food and supplements
• Prosthetics covered
• No network, use any licensed vet

Spot shines when you want to tailor coverage to your exact needs and budget. Choose from annual limits ranging from $2,500 to unlimited, deductibles from $100 to $1,000, and reimbursement rates of 70-90%. The 30% multi-pet discount is among the best in the industry. If you have two dogs, you are essentially getting one at 70% off. A solid choice for families with multiple pets or specific coverage needs.

• Customizable annual limits ($2,500 to unlimited)
• Flexible deductible options ($100-$1,000)
• Choose 70%, 80%, or 90% reimbursement
• 30% multi-pet discount
• Accidents and illnesses covered
• Hereditary and congenital conditions
• Behavioral conditions after waiting period
• Dental illness (not accidents only)
• Prescription medications and food
• Microchip implantation covered
• Optional preventive care add-on

The ASPCA Pet Health Insurance plan combines flexible coverage with the credibility of America's most recognized animal welfare organization. While not the cheapest option, premiums support ASPCA programs, and the coverage is comprehensive. The 10% multi-pet discount helps families, and optional wellness coverage handles routine care. A solid choice for pet parents who want quality coverage from a trusted source.

• Complete Coverage plan for accidents and illness
• Optional Wellness plans for routine care
• Hereditary conditions covered (with limitations)
• Chronic conditions covered
• Cancer treatment fully covered
• Emergency and specialty care
• Prescription medications
• Behavioral issues covered
• Alternative therapies (acupuncture, hydrotherapy)
• No lifetime or per-incident limits
• 30-day money-back guarantee

Pets Best was founded by a veterinarian who understood what pet owners actually need: fast claims and flexible options. With a $50 deductible option (the lowest widely available), you can keep out-of-pocket costs minimal. Claims are typically processed within 5 business days, and optional routine care packages cover vaccines, dental cleanings, and wellness exams. A reliable choice with nearly 20 years of industry experience.

• Accident-only or comprehensive plans
• Annual limits from $5,000 to unlimited
• Deductibles as low as $50
• Claims processed in ~5 business days
• Hereditary and congenital conditions covered
• Cancer and chronic conditions covered
• Emergency care and hospitalization
• Specialist and referral coverage
• Prescription medications
• Two optional routine care packages
• 24/7 Pet Helpline access

If you have birds, reptiles, or exotic pets, Nationwide is likely your only option from a major insurer, and they do it well. For dogs and cats, the Whole Pet with Wellness plan is premium but comprehensive, including routine care, dental cleanings, and vaccines. Many employers offer Nationwide as a benefit, so check if you qualify for group discounts. Ideal for exotic pet owners or those wanting all-in-one coverage.

• Covers dogs, cats, birds, reptiles, and exotic pets
• Whole Pet with Wellness includes routine care
• Major Medical plan for accidents/illness only
• Hereditary and congenital conditions covered
• Cancer treatment covered
• Chronic conditions (diabetes, allergies)
• Dental illness covered
• Prescription medications
• Behavioral therapies
• Emergency and specialty care
• Employer group discounts available

Figo is built for tech-savvy pet parents who want everything managed through a polished app. The Pet Cloud stores all your vet records, tracks claims, and even helps locate lost pets with the Extra Care Pack. Coverage is solid with annual limits up to unlimited and a 100% reimbursement option (rare in the industry). The 1-day accident waiting period is the shortest available. If you value technology and convenience, Figo delivers.

• Pet Cloud app for records and claims
• Annual limits up to unlimited
• 100% reimbursement option available
• 1-day accident waiting period (industry-leading)
• 14-day illness waiting period
• Hereditary and congenital conditions
• Cancer and chronic illness coverage
• Emergency care and hospitalization
• Veterinary exam fees covered (top plan)
• Extra Care Pack: lost pet recovery, boarding, more
• Use any licensed vet, specialist, or ER

Trupanion eliminates the biggest pain point of pet insurance: waiting for reimbursement. At participating vets (thousands nationwide), they pay your bill directly at checkout. The per-condition deductible structure is unique. If your dog develops hip dysplasia, you pay the deductible once, then 90% of all related costs are covered forever. Premiums are higher, but for pets with chronic conditions, Trupanion often delivers the best long-term value.

• Direct pay at participating vets (no reimbursement wait)
• Per-condition deductible (pay once per condition)
• 90% reimbursement on all eligible costs
• Unlimited lifetime benefits
• No payout limits per incident
• Hereditary and congenital conditions (from day 1)
• Cancer and chronic conditions covered
• Surgeries, hospitalization, medications
• Prosthetics and mobility devices
• Veterinary nutritional supplements
• Alternative therapies (acupuncture, rehab)

Pumpkin addresses a common pet insurance frustration: the waiting period for accident coverage. With Pumpkin, your pet is covered for accidents from day one, with no anxious waiting to see if your curious puppy gets into trouble. The standard 90% reimbursement is among the best, and the Preventive Essentials add-on covers vaccines, flea/tick, and dental cleanings. A newer company (2020) that is quickly building a strong reputation.

• Zero-day accident waiting period
• 14-day illness waiting period
• 90% reimbursement on all eligible claims
• Annual limits from $10,000 to unlimited
• Veterinary exam fees covered
• Hereditary and congenital conditions
• Behavioral issues covered
• Alternative therapies included
• Prescription medications and supplements
• Optional Preventive Essentials package
• 24/7 virtual vet access

ManyPets delivers solid coverage at prices that will not break the bank. The standout feature: 12 months of free coverage when you adopt from a participating shelter, a genuine industry-first. Even without the promo, premiums are among the most affordable while still covering dental illness, hereditary conditions, and chronic diseases. If budget is your primary concern but you do not want to sacrifice quality, ManyPets is worth considering.

• 12 months free for shelter adoptions
• Competitive pricing across all breeds
• Annual limits from $5,000-$15,000
• Accidents and illnesses covered
• Dental illness covered (beyond accidents)
• Hereditary and congenital conditions
• Chronic conditions covered
• Behavioral therapy covered
• Prescription medications
• Alternative therapies available
• 15-day money-back guarantee

Fetch goes beyond standard coverage to include things competitors often exclude. Euthanasia and cremation costs? Covered. Pet stolen or lost? Covered. Advertising costs to find a lost pet? Covered. While the $250 minimum deductible is higher than some competitors, the breadth of coverage justifies it for pet parents who want peace of mind in worst-case scenarios. The Dodo's acquisition brings modern branding to Petplan's decades of underwriting experience.

• Accidents and illnesses covered
• Hereditary and congenital conditions
• Chronic conditions (diabetes, allergies, cancer)
• Dental illness covered
• Behavioral conditions covered
• Alternative therapies (hydrotherapy, acupuncture)
• Prescription medications and supplements
• Euthanasia and cremation costs covered
• Theft and straying coverage
• Advertising costs for lost pets
• Boarding fees if owner hospitalized
• Vacation cancellation if pet is ill