Every major US pet insurance carrier, compared
Sorted by user rating. We surface waiting periods, hereditary coverage, exam fee coverage, and appeal window — the things shoppers usually find out the hard way.
Healthy Paws keeps it simple: one plan, unlimited lifetime benefits, and an industry-best claims turnaround.
Trupanion offers unlimited lifetime payouts at 90% reimbursement with a per-condition deductible. Known for vet-direct pay at participating clinics.
Embrace stands out for treating some curable pre-existing conditions as covered after a 12-month symptom-free period.
Prudent Pet offers unlimited annual coverage and includes vet exam fees in their standard plan.
Fetch (formerly PetPlus) offers one of the most comprehensive pet insurance policies, including vet exam fees and behavioral therapy.
Pumpkin offers a single straightforward plan with 90% reimbursement and dental illness coverage included.
Spot offers highly customizable plans with both accident-only and accident-and-illness options.
ManyPets (UK origin) covers curable pre-existing conditions after an 18-month symptom-free period — rare in the US market.
ASPCA-branded plans are underwritten by Crum & Forster and include behavioral and microchip coverage.
Odie is a newer pet insurance brand offering customizable plans with vet-direct pay option.
Lemonade Pet leverages AI for instant claim decisions and offers bundle discounts when combined with their other insurance products.
Figo offers up to 100% reimbursement and includes a 24/7 live vet chat with their mobile-first platform.
Founded by a veterinarian, Pets Best offers flexible deductible options and direct deposit reimbursements.
MetLife Pet (formerly PetFirst) accepts enrollment at any age and offers family plans covering multiple pets under one policy.
Nationwide is one of the oldest pet insurers and one of the only carriers covering exotic pets like birds, reptiles, and small mammals.
PetFirst is being rebranded as MetLife Pet — new enrollments go through MetLife Pet Insurance.
Kanguro is a newer pet insurer focused on bilingual English/Spanish customer service.
Wagmo offers separate wellness and illness plans, with fast reimbursement on wellness claims.
Hartville is one of the oldest pet insurance brands in the US, underwritten by Crum & Forster.
AKC Pet Insurance is one of few insurers willing to cover pre-existing conditions after a 365-day symptom-free period.
Pet Assure is a veterinary discount plan, not insurance — members get 25% off in-house medical services at participating vets, with no exclusions.
Pawp is not traditional insurance but a $24/month emergency fund covering one $3,000 vet emergency per year for up to 6 pets.