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Pet insurer report cards

Independent A-F grades for every major US pet insurer. Composite of editorial rating (30%), verified reviews (25%), reported appeal win rate (25%), and policy transparency (20%).

#1
B
Trupanion
Score 75/100 · Transparency 90/100
#2
B
ASPCA Pet Health Insurance
Score 74/100 · Transparency 100/100
#3
B
Spot Pet Insurance
Score 74/100 · Transparency 100/100
#4
B
Fetch by The Dodo
Score 73/100 · Transparency 90/100
#5
B
Pumpkin
Score 73/100 · Transparency 90/100
#6
B
Embrace
Score 72/100 · Transparency 80/100
#7
B
Figo
Score 71/100 · Transparency 90/100
#8
B
Prudent Pet
Score 71/100 · Transparency 80/100
#9
B
Hartville
Score 70/100 · Transparency 100/100
#10
C
Pets Best
Score 69/100 · Transparency 80/100
#11
C
MetLife Pet Insurance
Score 69/100 · Transparency 80/100
#12
C
Odie Pet Insurance
Score 69/100 · Transparency 80/100
#13
C
Nationwide Pet
Score 68/100 · Transparency 80/100
#14
C
PetFirst
Score 68/100 · Transparency 80/100
#15
C
Healthy Paws
Score 67/100 · Transparency 45/100
#16
C
ManyPets US
Score 67/100 · Transparency 65/100
#17
C
Lemonade Pet
Score 64/100 · Transparency 55/100
#18
C
Wagmo
Score 64/100 · Transparency 65/100
#19
C
Pet Assure
Score 63/100 · Transparency 70/100
#20
C
AKC Pet Insurance
Score 61/100 · Transparency 60/100
#21
C
Kanguro
Score 61/100 · Transparency 50/100
#22
D
Pawp
Score 50/100 · Transparency 10/100

Methodology: grades update whenever new reviews or outcomes are submitted. Insurers with fewer than 3 reviews/outcomes are scored against editorial benchmarks. Submit your own experience to improve accuracy.