Independent · US market · 11 insurers tracked
Compare pet insurance plans, prices, and coverage
Real, dated quotes for identical pet profiles across the 11 major US insurers, scored on a public method. Choose the right plan for your dog or cat, at a price you can verify.
47 quotes · 11 insurers · identical pet profiles
The comparison
All 11 insurers, side by side
Disclosure: We earn a commission when you buy through our links. You pay the same state-filed rate as buying direct, and commissions never change a score. How we collect and score quotes.
| # | Insurer | Score | Best for | Sample price | Reimbursement | Annual limit | |
|---|---|---|---|---|---|---|---|
| 1 | Lemonade | score pending | Young, healthy pets on a budget | pending quote run | 70 to 90 percent | $5,000 to $100,000 | View plans |
| 2 | Pumpkin | score pending | Pets that age or breed rules block elsewhere | pending quote run | 90 percent (flat) | - | View plans |
| 3 | Embrace | score pending | Claim-free pets (deductible drops yearly) | pending quote run | - | - | View plans |
| 4 | Fetch | score pending | Fast payouts, US + Canada vets | pending quote run | - | - | View plans |
| 5 | Trupanion | score pending | Chronic conditions and big bills | pending quote run | 90 percent | Unlimited | View plans |
| 6 | Figo | score pending | Zero coinsurance (100 percent option) | pending quote run | Up to 100 percent | - | View plans |
| 7 | ASPCA Pet Health Insurance | score pending | Accident-only fallback, friendly lookbacks | pending quote run | - | - | View plans |
| 8 | MetLife | score pending | Employer benefits, multi-pet families | pending quote run | - | - | View plans |
| 9 | AKC Pet Insurance | score pending | The only pre-existing pathway | pending quote run | - | - | View plans |
| 10 | Odie | score pending | Modular budget builds | pending quote run | - | Up to $40,000 | View plans |
| 11 | Liberty Mutual | score pending | Bundling with home or auto | pending quote run | - | - | View plans |
Ranks re-sort each quarter when quotes refresh. Every row links to a signed review with the coverage map and fine print. Read the full ranked comparison.
Shortcuts
Find your match by situation
- Dog owner
- Cat owner
- New puppy
- New kitten
- Senior dog (8+)
- Senior cat
- Tight budget
- Pre-existing condition
- Need coverage fast
- Dental coverage focus
- Routine care included
- Two or more pets
- Accident-only protection
- No payout caps
- Vet paid directly
- Indoor cat question
- French Bulldog
- Rabbit, bird, or exotic
Before you buy
Understand what you're buying
How pet insurance works
Deductible, reimbursement, limits, waiting periods, and claims, with the math at every step.
Read the guide →Is it worth it?
The break-even math, the odds you'll use it, and the honest cases for skipping it.
Read the guide →Pre-existing conditions
What counts, how insurers check, and the four real options that remain.
Read the guide →Real-Quote Pricing
Every price is a dated quote for a defined pet profile. The collection month is stamped next to it.
Same price as direct
Rates are filed with state regulators, so buying through our links never costs more.
Scores no one can buy
Rankings compute from published weighted criteria. Commissions never edit a score.
Questions