Best Pet Insurance — every ranking, by use case and budget
We ran real quotes on every insurer here and read the policy wording rather than the marketing page. Scores are locked before any affiliate link is added. Premiums depend on your pet and your ZIP code, so treat our numbers as a comparison, not a price list.
By use case indexed
By price page 1 indexedpage 2+ noindex
In-depth pet insurance reviews
Embrace
Covers exam fees and dental illness, shrinks your deductible $50 for every claim-free year, and will re-cover a curable condition after twelve clear months
Read Embrace ReviewHealthy Paws
One simple plan with no annual, lifetime or per-condition payout limit — the policy that does not run out when the bill is large
Read Healthy Paws ReviewASPCA Pet Health Insurance
Covers exam fees, dental illness, behavioural treatment and microchipping, insures horses too, and re-covers curable conditions after a clear year
Read ASPCA Pet Health Insurance ReviewPets Best
Three coverage tiers, an unlimited option, a three-day accident wait and direct deposit — the flexible middle of the market
Read Pets Best ReviewTrupanion
Pays the clinic directly at checkout in thousands of US hospitals, reimburses 90% with no payout limit, and charges the deductible once per condition rather than every year
Read Trupanion ReviewFigo
The only insurer here offering 100% reimbursement, with a one-day accident wait and a pet cloud app that holds records and vet chat
Read Figo ReviewLemonade Pet
The cheapest quotes in our test, an app that settles simple claims in minutes, and bundling discounts with renters or car insurance
Read Lemonade Pet ReviewNationwide Pet Insurance
The only major US insurer that covers birds, reptiles and small mammals — and one of the few whose top plan includes wellness in the same policy
Read Nationwide Pet Insurance ReviewGuides that send readers to these rankings
Pre-Existing Conditions: The Clause That Decides Whether Pet Insurance Pays
How eight insurers define it, which ones will cover a condition again, and why the enrolment date matters more than the price.