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We compare the leading US pet insurers on coverage, reimbursement, claims speed, and value. Here are the standouts for 2026.
In-depth provider reviews
| Provider | Best for | Reimbursement | |
|---|---|---|---|
| Spot | Customizable plans & no upper age limits | up to 90% | Get Quote |
| Lemonade | Lowest starting prices & fast app claims | up to 90% | Get Quote |
| Embrace | Diminishing deductible & dental coverage | up to 90% | Get Quote |
| Pumpkin | Strong coverage for older pets | up to 90% | Get Quote |
| Fetch | Broad coverage incl. sick-visit exam fees | up to 90% | Get Quote |
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, 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?
- Lowest 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.
Note on pricing: Cost ranges on this page are illustrative 2026 market averages for accident-and-illness coverage. Your actual quote depends on your pet's breed, age, and ZIP code. Always confirm current prices and coverage directly with each provider.