Home › Reviews
We compare the leading US pet insurers on coverage, reimbursement, claims speed, and value. Here are six of them, listed by our score.
In-depth provider reviews
We review all 15 major US pet insurers independently. Read any provider's full breakdown:
Five picks, one per need, listed by our overall score (how we rate). Not every insurer sells in every state, so check availability on the insurer's site. Some insurer links on our site, including Get Quote buttons in comparison tables, may pay us a fixed referral fee when you request a quote, at no extra cost to you. Advertiser disclosure.
| Provider | Best for | Reimbursement | |
|---|---|---|---|
| Embrace | Diminishing deductible & dental coverage | up to 90% | Get Quote from Embrace (opens in a new tab) |
| Spot | Customizable plans & no upper age limits | up to 90% | Get Quote from Spot (opens in a new tab) |
| Lemonade | Low starting prices & fast app claims | up to 90% | Read review of Lemonade |
| Fetch | Broad coverage incl. sick-visit exam fees | up to 90% | Get Quote from Fetch (opens in a new tab) |
| Pumpkin | Strong coverage for older pets | up to 90% | Get Quote from Pumpkin (opens in a new tab) |
How we compare pet insurance companies
We rank providers on the factors that actually affect your wallet and your claims: breadth of coverage (accident, illness, hereditary, dental), reimbursement rate, annual and per-incident limits, waiting periods, exclusions[3], claims speed, price, and real customer feedback. No single insurer wins on everything — the "best" one depends on your pet and priorities.
Which insurer is right for you?
- Low price / app-first: Lemonade
- Older pets: Pumpkin
- Unlimited payouts, no caps: Healthy Paws
- Dental & diminishing deductible: Embrace
- Broadest coverage incl. exam fees: Fetch
- Most customizable, any age: Spot
Not sure what a plan should cost? Check average pet insurance costs by state before you compare quotes.
- NAPHIA — State of the Industry Report (average pet-insurance premiums). naphia.org/industry-data (accessed September 2026).
- American Veterinary Medical Association (AVMA) — U.S. Pet Ownership Statistics (veterinary costs & cost of care). avma.org (accessed September 2026).
- National Association of Insurance Commissioners (NAIC) — Pet Insurance (regulation, waiting periods & policy terms). content.naic.org (accessed September 2026).
Head-to-head: Healthy Paws vs Trupanion (2026)
Head-to-head: Lemonade vs Healthy Paws (2026)