Best Pet Insurance Companies in 2026

Lemonade fits owners who want to manage everything from a phone. You can get a quote, buy a policy, file a claim, and track payment in the app, and the company says many claims are paid quickly. Its own pet page lists prices from $10 per month, but your quote will depend on breed, age, location, deductible, and reimbursement choice, so treat that figure as a starting point, not a promise.

Coverage includes diagnostics, procedures, medication, and hospitalization for new accidents and illnesses, with optional add-ons for vet visit fees, physical therapy, and behavioral conditions. Waiting periods listed on its site are 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events. Lemonade also offers preventive care packages for routine exams, vaccines, and dental cleaning. The main limits are state availability and the need to check whether your state, breed, and age group are covered on the terms you expect.

Spot is a good pick for owners who want to shape a policy around a budget. You can adjust the annual limit, deductible, and reimbursement rate, and add preventive care for routine vet visits. That flexibility helps when you are balancing a monthly premium against how much you could pay out of pocket after a large bill.

Spot covers accidents and illnesses, including hereditary and chronic conditions in its accident and illness plans, subject to the policy terms and waiting periods. Current listings put starting prices from about $15 per month, with accident waiting periods around 2 days and illness waiting periods around 14 days in many states. The trade-off with any highly customizable plan is comparison work. Run the same deductible and reimbursement settings across two or three companies before you decide, or a low premium may simply reflect a lower limit.

Trupanion takes a different approach to deductibles, and that difference matters more than the headline price. Instead of one annual deductible, Trupanion uses a deductible per condition for the life of the pet. Once you meet the deductible for a chronic condition, later claims for that same condition may not need a new deductible, which can help with long-term illness. For a pet with several unrelated problems in one year, though, multiple deductibles can add up.

Its best-known feature is direct payment to participating vets at checkout, which can reduce the amount you need to pay up front and then claim back. Trupanion lists a 5-day accident waiting period and a 30-day illness waiting period, and its standard reimbursement is 90 percent. It does not offer a separate wellness plan for routine care, so owners who want vaccines and exams covered need a different add-on or a different company.

Healthy Paws keeps choice simple. It offers one accident and illness plan, with deductible and reimbursement choices, and no cap on payouts for covered claims. That simplicity helps owners who do not want to compare a dozen plan variants, and no payout cap can matter most for cancer, surgery, or a long chronic illness where bills keep coming.

The waiting period is 15 days for both accidents and illnesses on its standard terms, which is longer for accidents than some rivals. Healthy Paws does not offer routine wellness cover, so vaccines, exams, and dental cleaning for prevention stay out of pocket unless you buy separate cover elsewhere. It is a strong pick if your priority is protection against a very large unexpected bill, rather than help with routine vet costs.

Embrace suits owners who want a broad base policy without buying many add-ons. Its accident and illness cover includes exam fees, hereditary conditions, chronic conditions, cancer care, and alternative therapies, subject to policy terms. That breadth can reduce surprise exclusions at claim time, which is often where cheaper plans disappoint.

A useful feature is the diminishing deductible, which falls by $50 for each year without a claim on many plans. Embrace also offers an optional wellness rewards add-on for routine care. The main catch is the annual limit, which varies by plan and is not unlimited on most options. Check the limit against the cost of surgery or cancer treatment in your area, and note that premiums for older or larger dogs can be much higher than the low starting prices shown in roundups.

Pets Best is worth a quote if price is your first filter. It offers accident-only plans for owners who only want protection against injuries, plus fuller accident and illness plans, and an optional wellness add-on for routine care. That range lets you start with a lower premium and upgrade later, though a new policy may treat conditions found in the meantime as pre-existing.

Current listings put starting prices from about $9 to $16 per month for some pets, but those figures depend heavily on age, breed, and location. Pets Best also offers a direct vet payment option with participating vets. Read the exam fee terms carefully, since exam fees are a common vet bill and are not always included in the base plan. For a young, healthy pet, the value case is clear. For an older pet, compare the full premium and exclusions, not just the entry price.

Fetch, formerly Fetch by The Dodo, covers accidents and illnesses with features that many rivals sell as extras. Dental illness, behavioral therapy, and exam fees are included in its broader plans, subject to terms, which can matter for dogs with dental disease or pets with anxiety-related behavior problems. It also includes sick-visit virtual vet care in some plans.

Fetch offers a range of annual limits, deductibles, and reimbursement rates, including up to 90 percent on many plans. Waiting periods are commonly 15 days for accidents and illnesses in listings, so check your own policy for the exact terms. Fetch is a good fit if dental or behavior cover is a priority, but compare its annual limit and premium for your pet against Embrace and Spot, since a feature you never use should not drive the decision alone.

Figo stands out for owners who want the highest possible reimbursement after a claim. While most companies top out at 90 percent, Figo offers a 100 percent reimbursement option on some plans, alongside 70, 80, and 90 percent choices. That can make a large bill much easier to absorb, but the premium for 100 percent cover will be higher, so the value depends on how much risk you want to keep.

Figo also has no upper age limit for enrollment in its standard terms, which helps owners of senior pets who are often turned away elsewhere. Its app includes a pet cloud for records and vet teletriage, which can help you decide whether a problem needs an urgent visit. As with every company here, pre-existing conditions and waiting periods apply, so enroll before a problem appears if you can, and read the dental, hereditary, and chronic condition terms for your pet.