The Best Pet Insurance of 2026, Compared With Real Quotes

• ✓App-first claims, simple claims often paid within minutes
• ✓Certified B Corp, founded 2015
• ✓Unclaimed premium dollars donated through the Giveback program

The drawback: Support runs almost entirely through the app, and add-ons raise the low headline price.

Fit verdictPick Lemonade for a young, healthy dog or cat when price is the deciding factor and app-first service suits you. Skip it for older pets, or anyone who wants phone-first support. Full numbers in our Lemonade review.

• ✓Enrolls pets with no breed restrictions and no upper age limit
• ✓Hereditary conditions and dental illness covered at no extra charge
• ✓Flat 90 percent reimbursement on every policy

The drawback: The flat 90 percent structure removes the cheaper-premium lever, so Pumpkin rarely wins on price.

Fit verdictPick Pumpkin for a senior pet, a French Bulldog, or any breed other insurers surcharge heavily. Skip it for owners who want a budget lever to pull. Full numbers in our Pumpkin review.

• ✓Deductible falls $50 each year without a claim reimbursement
• ✓Covers exam fees several rivals exclude, plus a 24/7 pet health line
• ✓Curable pre-existing conditions can regain coverage after 12 symptom-free months

The drawback: The 6-month orthopedic waiting period for dogs catches cruciate injuries unless you complete a waiver exam.

Fit verdictPick Embrace for a young pet you expect to stay healthy, because the diminishing deductible compounds. Skip it for owners worried about cruciate risk who cannot schedule the waiver exam. Full numbers in our Embrace review.

• ✓Approved claims pay by direct deposit in as little as 2 days
• ✓Any licensed vet in the United States or Canada
• ✓Covers every tooth for dental injury, plus sick-visit exam fees

The drawback: No accident-only plan, so there is no cheap fallback tier.

Fit verdictPick Fetch for owners who value payout speed and cross-border vet freedom. Skip it for anyone who wants an accident-only option. Full numbers in our Fetch review.

• ✓Unlimited annual benefit with no payout cap, 90 percent reimbursement
• ✓Per-condition deductible paid once per condition for the pet's lifetime
• ✓Vet Direct Pay settles the bill at checkout in participating clinics

The drawback: The price: the highest monthly cost on this list, and no wellness add-on.

Fit verdictPick Trupanion for breeds prone to lifelong conditions where a per-condition deductible plus no cap beats annual-reset policies. Skip it for low-risk pets on a tight budget. Full numbers in our Trupanion review.

• ✓100 percent reimbursement tier turns covered bills into $0 after deductible
• ✓Cloud app with live vet chat
• ✓Costco members get discounted pricing on the same policies

The drawback: Exam and vet-visit fees sit behind an add-on, and the 100 percent tier raises the premium.

Fit verdictPick Figo for owners who want zero coinsurance at claim time, or Costco members. Skip it for anyone who would rather keep the premium low and share each bill. Full numbers in our Figo review.

• ✓Program has insured pets since 1997 under the Crum & Forster carrier
• ✓Single 14-day waiting period for accidents and illnesses alike
• ✓Cheap accident-only tier alongside full coverage

The drawback: The name is a licensing arrangement, not the charity itself, and payout speed trails the fastest rivals.

Fit verdictPick ASPCA Pet Health Insurance for a cheap accident-only safety net, or a pet with a curable past condition waiting out the 180-day window. Skip it for owners for whom payout speed is the priority. Full numbers in our ASPCA Pet Health Insurance review.

• ✓Sold as a workplace benefit with group pricing at many employers
• ✓Family plans share one deductible across the household's pets
• ✓Deductibles decrease $25 per claim-free year

The drawback: Policy terms vary by employer group, so the HR-portal plan may differ from quotes here.

Fit verdictPick MetLife for employees whose employer offers group rates, or several pets under one deductible. Skip it for single-pet buyers paying direct at list price. Full numbers in our MetLife review.

• ✓The only program we track with a pre-existing coverage pathway
• ✓Lean accident base plan with stackable illness, hereditary, and wellness modules
• ✓Administered by PetPartners; availability varies by state

The drawback: The base plan alone is thin, and the modules that make it competitive raise the real price.

Fit verdictPick AKC Pet Insurance for a pet with a pre-existing condition every other insurer excludes permanently. Skip it for healthy pets, because cleaner policies cost the same. Full numbers in our AKC Pet Insurance review.

• ✓Budget-airline model: pay only for the coverage modules you choose
• ✓Annual limits reach $40,000, higher than most mid-market rivals
• ✓Lean accident and illness core keeps entry pricing low

The drawback: Young and small, so its claim-handling track record is shorter than rivals.

Fit verdictPick Odie for building the cheapest real accident and illness policy possible. Skip it for owners who sleep better with a long claims history. Full numbers in our Odie review.

• ✓Pet coverage alongside home and auto with one login
• ✓Multi-policy discounts where state filings allow
• ✓Standard accident and illness architecture with wellness add-ons

The drawback: Nothing about the pet product itself leads the market, so without a bundle discount there is rarely a reason to choose it.

Fit verdictPick Liberty Mutual for existing Liberty Mutual customers whose bundle discount beats the top five on price. Skip it for everyone else. Full numbers in our Liberty Mutual review.