The Best Pet Insurance Companies (July 2023)

• Deductibles: $100, $250 or $500
• Annual coverage limits: $5k, $10k, $20k, $50k or $100k
• Reimbursement rates: 70%, 80% or 90%

To learn more: Lemonade Pet Insurance review

Lemonade is our top pick due to its affordable accident-and-illness and wellness plans and excellent customer care. Plans start at around $10 per month, making them appealing to pet parents looking to spend less. Lemonade also offers a 5% annual discount, a 5% discount for enrolling multiple pets and a 10% discount for bundling your policy with Lemonade property insurance.

Standout feature: Lemonade features a best-in-class mobile app that lets customers enroll pets in seconds and get paid for covered claims in minutes. You can also manage your pet’s health, file claims and track policy coverage and billing.

Lemonade Pet Insurance

Lemonade offers one pet insurance plan covering vet care for accidents and illnesses. You can supplement it with individual add-ons, including coverage for vet visit fees, physical therapy, behavioral training, dental illnesses and end-of-life fees.

Lemonade Preventative Package

Choose between the base level, which provides an annual allowance for a wellness exam, heartworm test, fecal or parasite test, bloodwork and three vaccines, and the premium level, which adds flea, tick and heartworm medications, plus routine dental cleaning.

Sample Premiums

All sample premiums in this article are for 4-year-old medium mixed breed male dogs and cats in North Carolina. We requested quotes for each provider’s base plan, using its minimum coverage options (highest deductible, lowest annual coverage limit and lowest reimbursement rate) for our low-end quote and its maximum coverage options for our high-end quote.

Sample premiums for Lemonade pet insurance:

• Dogs: $13.33 to $54 per month
• Cats: $11 to $30.13 per month

Lemonade offers an industry-leading digital experience. We found the brand easy to interact with via its mobile app and website, making finding pet insurance coverage information simple and answering common questions like how long its waiting periods are. With only basic information about your pet, you can get a quote in a few minutes.

Guides team member and Lemonade policyholder John Morgan shares his experience:

“I pay $40 a month, and over the two years I’ve had the policy, they’ve reimbursed me for ~$1,400 worth of expenses, which is an ROI that works for me! The largest expense was a $1,000 vet charge when Teddy chewed and swallowed a piece of the seat cover in my 4Runner. I was floored when they approved that reimbursement within 48 hours of my claim being submitted. I’m a big fan of Lemonade and I would recommend it to any pet owner.

Regarding the claims experience, we read more than 100 customer reviews of Lemonade across the Better Business Bureau (BBB) and Trustpilot. We noticed recurring praise for Lemonade’s fast, hassle-free claims process and numerous complaints about slow communication and unexpectedly denied payouts.

• Deductibles: $100, $250, $500, $750 or $1k
• Annual coverage limits: $2.5k, $3k, $4k, $5k, $7k, $10k or unlimited
• Reimbursement rates: 70%, 80% or 90%

Learn more: Spot Pet Insurance review

Spot offers some of the most customizable pet insurance policies due to its seven annual coverage limit options (ranging from $2,500 to unlimited), five deductible options and three reimbursement rates. This allows pet owners to find the right balance between their plan’s level of coverage and affordability. Spot Pet Insurance is also ideal for pet owners who want a low-cost accident-only plan. 

Standout feature: Spot’s policies cover a few items, such as exam fees and microchipping, that aren’t offered by many other pet insurance providers.

Spot Accident-and-Illness Insurance: This plan reimburses pet owners for necessary treatments resulting from unexpected injuries or other conditions, including dental disease, cancer, heart disease and more.

Spot Accident-Only Insurance: This plan covers your pet for unexpected accidents, such as swallowing foreign objects or ingesting toxins. However, it excludes any illness-related treatments.

Gold and Platinum Plans: Spot has two preventive care add-ons.

• The Gold Plan comes with $250 of annual coverage for wellness treatments such as dental cleanings, vaccines, fecal tests and more.
• The Platinum Plan comes with $450 of annual coverage for everything in the Gold Plan, plus spaying and neutering, bloodwork and more.

Sample Premiums

• Dogs: $16.54 to $131.02 per month
• Cats: $9.21 to $77.70 per month

Spot’s website was generally easy for us to use and we had no trouble finding covered treatments for its plans. However, it requires a few extra clicks to find other policy information like waiting periods and age limits. We especially liked Spot’s transparency around how premiums are calculated.

In exchange for our ZIP code, name and email address, we could set up and customize a policy for a dog or cat. Although Spot’s advertised 30-second time to complete is on the fast side, our actual experience wasn’t far off the mark.

Based on company reviews, many Spot policyholders enjoy the provider’s fast claims process. However, some dissatisfied customers mention experiencing long wait times and denied claims with vague reasoning.

• Deductibles: $200, $300, $500, $750 or $1k
• Annual coverage limits: $5k, $8k, $10k, $15k or $30k
• Reimbursement rates: 70%, 80% or 90%

Learn more: Embrace Pet Insurance review.

Embrace stands out for the additional savings it offers pet owners, including a 10% discount for each additional pet policy you purchase, a 5% military discount and an employee benefit program that offers 10% off to employees of companies that offer Embrace pet insurance.

Standout feature: Embrace offers the Healthy Pet Deductible benefit, which credits pet owners with $50 toward their deductible each consecutive year they don’t file a claim.

Embrace Pet Insurance: This accident-and-illness plan covers your pet’s injuries, illnesses, chronic conditions, hip dysplasia and other conditions that result in necessary procedures or treatments. Embrace doesn’t reimburse costs related to preexisting conditions, elective procedures, certain alternative therapies and orthopedic conditions during the first six months of the policy.

Wellness Rewards Plan: Embrace offers a flexible routine care plan with an allowance of up to $250, $450 or $650 per year. Until the annual benefit is depleted, it reimburses 100% of vet visits and procedures, such as routine checkups, vaccinations, microchipping, grooming, spay or neuter surgery, anal gland expression and more.

Sample Premiums

• Dogs: $24.43 to $146.89 per month
• Cats: $14.36 to $86.34 per month

Embrace welcomes customer communication with an easy-to-find phone number on its website. To gather a quote, we filled out just a few short fields before adjusting policy details to our liking and having the opportunity to purchase online if desired.

Guides team member and Embrace policyholder Hailey Neff shares her experience:

“The reimbursement process is so easy using the Embrace App. All I have to do is take a picture of my receipt, upload it, fill out a few fields, and I have a check in the mail within a week or so. I honestly hate doing things like this usually but with Embrace I really don’t mind it.?

Based on our review of over 100 third-party Embrace customer reviews, however, Embrace users have a polarizing view of its claims process. Some appreciated its quick and convenient claims handling, while others voiced concern over denied claims, a difficult process and long processing times.

• Deductibles: $100, $250 or $500
• Annual coverage limits: $3k, $4k, $5k, $7k or $10k
• Reimbursement rates: 70%, 80% or 90%

Read more: ASPCA Pet Insurance review

We featured American Society for the Prevention of Cruelty to Animals (ASPCA) Pet Health Insurance for its impressive reputation, long-standing industry experience and comprehensive coverage. Born out of a strategic partnership between ASPCA and Crum & Forster Pet Insurance Group in 2006, ASPCA’s pet health insurance is one of the oldest in the industry.

Standout feature: In a relatively young industry, ASPCA pet insurance stands out for partnering with Crum & Foster Pet Insurance Group, which was founded in 1997.

Complete CoverageSM Plan: ASPCA Pet Health Insurance’s Complete CoverageSM plan covers accidents, illnesses, dental diseases, behavioral issues, hereditary conditions, congenital conditions and more. ASPCA uses the same underwriter as Spot Pet Insurance — the United States Fire Insurance Company — so its overall coverage is similarly comprehensive.

Accident-Only Coverage Plan: This plan doesn’t cover any disease-related treatments. Instead, the plan reimburses you for exam fees, diagnostics and treatments for a covered accident or injury.

Preventative Basic and Premier Add-Ons: You can add preventive care to your pet’s policy for dental cleanings, vaccines, deworming, wellness exams and more. ASPCA Pet Health Insurance offers two preventive care options.

• The Basic Plan includes $250 of coverage per year.
• The Prime Plan includes $450 of coverage per year.

ASPCA’s waiting periods are 14 days for accidents and illnesses, which is longer than some providers’ two-day waiting period for accidents.

Sample Premiums

• Dogs: $26.63 to $91.58 per month
• Cats: $14.93 to $55.68 per month

We found ASPCA’s quote process informative and intuitive, with simple forms for adding pet information, choosing coverage details and reviewing your choices before purchasing online if desired. Details about coverage and waiting periods are present during the process, so you won’t have to exit the experience if you have questions.

Our team member and ASPCA policyholder, Emily Breaux, shares her experience:

“I think the monthly premium (I pay annually) is worth the preventative care reimbursement I receive. I also like that I’ll already have coverage as my cat gets older and (potentially) has health issues that weren’t pre-existing when I purchased my policy, so they’ll be covered.?

We also read dozens of reviews to learn more about ASPCA’s customer satisfaction. During our research, we discovered that some customers enjoyed fast claims resolutions, easy billing and positive experiences with company representatives. However, common pain points included slow communication, denied claims and reimbursement difficulties.

• Deductibles: $250 to $1,000*
• Annual coverage limits: Unlimited
• Reimbursement rates: 50% to 80%*

*Policies that cover pets over six years old come with lower reimbursement rates (50% to 70%) and higher annual deductibles ($500 to $1,000).

Learn more: Healthy Paws Pet Insurance review.

Healthy Paws offers unlimited annual and lifetime coverage caps. It’s our pick for unlimited coverage because its monthly rates are more affordable when compared to the monthly premiums of unlimited coverage plans from other competitors, such as Prudent Pet or Spot. 

Standout feature: Healthy Paws also processes most claims in two business days, which is comparatively fast. Our analysis of consumer reviews suggests that this claim is accurate. 

Healthy Paws Pet Insurance: Healthy Paws has one base accident-and-illness plan that covers treatments for injuries and illnesses. The provider also covers alternative treatments, such as acupuncture, physical therapy and chiropractic care. After enrollment, there is a 15-day waiting period to file a claim for accidents and illnesses.

One downside is that it does not offer a 90% reimbursement rate, which many companies do. If your pet is over 6 years old, you’ll be restricted to 50% or 70% reimbursement levels. For pets enrolled before age 6, there’s a 12-month waiting period for claims regarding hip dysplasia.

Preventative Care Plan: Healthy Paws doesn’t offer a preventive care option.

Sample Premiums

• Dogs: $36.97 to $48.65 per month
• Cats: $17.24 to $22.73 per month

Healthy Paws’ online quote form may lack the charm and aesthetic of competitors like Lemonade, but it’s no less functional. During our time on the site, we could easily add or edit pet details and adjust plan features to meet our budget. While we could review covered items and exclusions, we had to scroll past customer reviews and testimonials to find the information.

During our analysis of customer reviews for Healthy Paws, we discovered that unhappy customers complained of slow customer service and significant premium increases during policy renewal. Others praised the company for quick claims processing, professional representatives and affordable rates.

• Deductibles: $100, $250, $500 or $750
• Annual coverage limits: $5k, $10k or unlimited
• Reimbursement rates: 70%, 80%, 90% or 100%

Learn more: Figo Pet Insurance review

Our experts chose Figo as the best pet insurance company with flexible reimbursement rates, scoring 4.2 out of 5 stars according to our rating methodology. The provider also offers unlimited annual benefits and a range of useful add-ons to make your plan comprehensive, such as liability coverage for damages or injuries your pet causes.

Standout feature: While most companies limit the amount of a vet bill they reimburse to 90%, Figo has a total reimbursement option of 100%.

Figo Pet Insurance: Figo’s pet insurance is an accident-and-illness plan that covers expenses related to emergency vet visits, diagnostics, surgery and other treatments for injuries and illnesses. It’s available in three tiers that determine your annual coverage limit, from $5,000 to unlimited.

Figo Powerups: Figo offers three policy add-ons it calls Powerups.

• The Wellness Coverage powerup pays for routine care costs such as exam fees and dental care. This plan is not available in all states.
• The Extra Care Pack adds reimbursement for cremation or burial, lost pet advertising and award, vacation cancellation due to pet emergencies, boarding fees, pet theft or loss, and more.
• Veterinary Exam Fees coverage reimburses pet parents for exam or consultation fees associated with diagnosing or treating your pet.

Sample Premiums

• Dogs: $11.78 to $74.24 per month
• Cats: $5.99 to $37.72 per month

The Pet Cloud app not only allows for easy policy and claims management but also serves as a hub for your pet parenting needs. Use it for 24/7 pet telehealth, storing your pet’s medical records, connecting with like-minded pet owners or setting reminders for important vet appointments.

The company’s 2.6-working-day claims turnaround time and Pet Cloud app were highlights among happy customers. Disappointed policyholders focused on seemingly random price hikes and the cost of coverage in general.

• Deductibles: $250, $300 or $500
• Annual coverage limits: $5k, $15k or unlimited
• Reimbursement rates: 70%, 80% or 90%

Learn more: Fetch by the Dodo review

Fetch is our top choice for cat and dog owners interested in therapies and treatments that other pet insurance providers don’t always cover. It offers one comprehensive plan that includes everything from accidents to illnesses to sick exam fees and telehealth vet visits for your pet. Fetch also includes extensive coverage of therapies related to behavioral issues like separation anxiety or aggression.

Standout feature: Fetch also stands out for its coverage of holistic care and alternative treatments such as acupuncture, homeopathy and stem-cell therapy.

Fetch Pet Insurance

In addition to standard accident-and-illness coverages, such as injuries, congenital and hereditary conditions, cancer and more, Fetch’s accident-and-illness plan covers multiple expenses many other providers don’t, like enhanced dental protection.

It covers breed-specific issues, like breathing problems in French bulldogs and hip dysplasia in German shepherds. Fetch also covers vacation cancellation fees if your pet gets sick or injured, plus reward and advertising money if your pet is lost.

Fetch has a waiting period of six months for hip and knee conditions and 15 days for all other coverage. Many providers have a shorter, two-day waiting period for accidents. Fetch can waive the waiting period for knee injuries if a vet examines your pet within the first 30 days of your policy to establish a health baseline.

Fetch doesn’t cover pre-existing conditions, claims filed more than 90 days after treatment, prescription food, grooming and cosmetic procedures, or routine and preventative care.

Sample Premiums

• Dogs: $33.70 to $75.19 per month
• Cats: $20.16 to $37.41 per month

In our experience, Fetch’s online quote tool is lighter on plan details than others we’ve reviewed, but it’s still a pleasant and easy experience overall and features a persistent phone number in case you get stuck.

Because Fetch only offers one plan, we simply had to provide our sample pet’s age, breed and species before customizing our price by adjusting the policy’s annual coverage limit, deductible and reimbursement rate. Then, Fetch asked us for a few additional details like our name, address and payment information should we decide to purchase the plan.

While we didn’t experience Fetch’s claims process directly, we read customer reviews to get a sense of the service others receive. Overall, many reviewers complimented Fetch’s nice and helpful representatives, while others complained about long processing and reimbursement times.

• Deductibles: $100, $250 or $500
• Annual coverage limits: $5k, $10k or unlimited
• Reimbursement rates: 70%, 80% or 90%

Paw Protect offers comprehensive accident-and illness pet insurance and wellness reimbursement plans powered by Embrace Pet Insurance. In addition to offering Embrace’s customizable coverage, Paw Protect introduces Instant Pay. If you choose, you can apply for a $5,000 line of credit and virtual credit card to cover vet fees at the time of service, then pay down any remaining balance of out-of-pocket expenses interest-free.

Standout feature: Paw Protect aims to make the claims process seamless by allowing you to charge vet payments to an interest-free credit account, get reimbursed by Paw Protect and then pay off the remaining balance in up to 12 monthly installments.

Accident and Illness Pet Insurance: This is a comprehensive accident and illness policy offering up to unlimited annual coverage for unexpected vet bills. It covers everything from congenital and genetic conditions to chronic illnesses and dental trauma. You can also use its pet telehealth services for smaller concerns.

Wellness Rewards: This is a flexible reimbursement program that includes an annual allowance for routine pet care, such as grooming, training and vaccinations. While not insurance, it can help smooth out the cost of preventative care over time.

Sample Premiums

• Dogs: $33.34 to $75.99 per month
• Cats: $13 to $30.85 per month

During our time on Paw Protect’s website, we found information to be laid out well with easy navigation and aesthetic presentation. It took us only minutes to get a quote for our sample pet. When we called a representative for follow-up questions, the representative was very pleasant and helpful to work with.

To further understand the customer experience, we read customer reviews for Paw Protect. Customers appreciated the option to use direct vet pay and commented on the ease of using the provider’s website and submitting required forms.