Last updated September 2026
We compared coverage, claim speed, and real pet parent experiences across the biggest U.S. pet insurers, so you can find a plan that fits your pet and your budget without doing all the homework yourself.
Save 10% when you add more than one pet
Why we like it: Covers exam fees, prescription food, behavioral issues and dental illness, plus a 24/7 telehealth line.
Save 10% multi-petSpot offers flexible, comprehensive plans that cover accidents and illnesses plus exam fees, behavioral issues, dental illness, prescription food and alternative therapies. You can see any licensed vet in the U.S., and every policy includes a 24/7 telehealth line and over $2,500 in partner perks. Accident-only plans are available too.
Pet parents who want flexible coverage with fewer restrictions. It is especially appealing for older pets, multi-pet homes, and pets who may need behavioral therapy or prescription diets.
No annual or lifetime payout limits
Why we like it: Refreshingly simple: 90% back, no annual limits, and a deductible you can set to the exact dollar.
No payout limitsTrupanion keeps things refreshingly simple. Every plan pays 90% of eligible costs, there are no payout limits, and you can set your deductible down to the exact dollar. At participating clinics, Trupanion can pay the vet directly so you are not waiting on a reimbursement.
Pet parents who want one simple plan with no fine-print limits, and who would rather not front big vet bills themselves.
Save 10% when you insure multiple pets
Why we like it: Covers accidents, illnesses, genetic conditions and prescriptions, with a $100 deductible option.
Save 10% multi-petEmbrace offers customizable coverage with up to 90% reimbursement on accidents, illnesses, genetic conditions and more, with deductibles as low as $100. Its diminishing deductible drops every year you do not claim, and new policies come with a 30-day money-back guarantee.
Pet parents who like to fine-tune their plan, households with more than one pet, and breeds prone to inherited conditions.
No payout caps, ever
Why we like it: Unlimited lifetime benefits, so there is no cap on how much you can claim over your pet’s life.
No payout capsHealthy Paws is known for unlimited lifetime benefits, which means there is no cap on how much you can claim. Coverage includes hereditary conditions and alternative treatments, and its claims process is one of the fastest and easiest around.
Pet parents who want peace of mind for the big stuff, like cancer or chronic illness, without worrying about hitting a limit.
Get $1,500+ in Fetch Health Perks
Why we like it: Covers what other plans quietly leave out: exam fees, dental illness and behavioral therapy.
$1,500+ in perksFetch covers a lot of the things other plans quietly leave out. Exam fees, dental illness and behavioral therapy are all included, which adds up fast in real life. Members also get $1,500+ in health perks and savings.
Pet parents who want the most complete accident and illness coverage, with fewer surprises at the vet counter.
No breed or age restrictions
Why we like it: Straightforward, customizable plans that cover chronic conditions and alternative therapies.
No age limitsMetLife offers straightforward, customizable plans with competitive pricing and quick claims. Coverage includes accidents, illnesses, chronic conditions and even alternative therapies, and there are no breed or age restrictions.
Pet parents with senior pets or breeds other insurers hesitate on, and anyone who values a big, established name behind their policy.
Other providers we compared that didn’t make our top 6: ASPCA, Nationwide, Pumpkin, Figo, Pets Best, Prudent Pet, ManyPets, Bivvy and Hartville.
Flexible coverage that includes things many providers treat as extras: exam fees, prescription food, behavioral issues, alternative therapies and dental illness. Plus a 24/7 telehealth line and no upper age limit to enroll.
OUR METHOD
History, reputation, financial stability, and a consistent track record of paying claims.
Real customer experiences, claim processing speed, and how easy the provider is to deal with day to day.
Whether every breed and age is covered, and how freely you can tune deductibles, reimbursement and limits.
Our rating scale
| 9.0 to 10 | Exceptional |
|---|---|
| 8.0 to 8.9 | Outstanding |
| 7.0 to 7.9 | Great |
| 6.0 to 6.9 | Very good |
| 5.0 to 5.9 | Good |
THE BASICS
Pet insurance works a lot like a safety net for vet bills. You pay a small amount each month, and when something goes wrong, your insurer pays back a big share of the bill.
Pick accident-only or comprehensive coverage that suits your pet.
Monthly or yearly, based on breed, age, location and coverage level.
Pay the bill and keep your invoices and medical records.
Upload the paperwork in the app or portal and get reimbursed.
Covers: injuries like bites, broken bones and swallowed objects.
Doesn’t cover: illnesses, checkups and preventive care.
Covers: accidents plus most illnesses and diseases.
Doesn’t cover: routine wellness, elective procedures, pre-existing conditions.
Covers: accidents, illnesses, plus vaccines, dental cleanings and annual exams.
Doesn’t cover: pre-existing conditions and cosmetic procedures.
Covers: prescription food, behavioral therapy, acupuncture and other alternative care.
Doesn’t cover: nothing extra, but they do raise your premium.
GOOD QUESTIONS
The things pet parents ask us most before they pick a plan.
If a surprise vet bill would strain your budget, usually yes. You might not use it much while your pet is healthy, but a single serious injury or illness can cost more than years of premiums.
Many insurers cover older pets, though premiums tend to be higher. Pre-existing conditions usually are not covered, which is the best reason to enroll sooner rather than later.
Yes. Most pet insurance reimburses you after you pay the vet, so you can visit any licensed veterinarian and file a claim afterward. Some providers, like Trupanion, can also pay the vet directly.
Most policies have waiting periods before accident and illness coverage kicks in, and the length varies by provider. Check each plan before you buy, especially if your pet has a vet visit coming up.
Choose a higher deductible or a lower reimbursement rate, skip add-ons you will not use, and compare a few quotes. Just remember that lower premiums mean more out of pocket if your pet needs major treatment.
Advertiser disclosure
Pet Parent Advisor is reader-supported and part of the Pawzitivity Pets family. When you get a quote through links on this page we may earn a commission. It never changes what you pay, and it never decides our ratings. Prices, coverage and terms are set by each insurer and can change, so always check the provider’s site for current details.
Embrace: Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embraceterms. Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address. *Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. © 2024 American Modern Insurance Group, Inc.
