Protect Your Pet Without Breaking the Bank
Our team has analyzed 20+ pet insurance companies, reviewed thousands of real claims, and surveyed pet owners across the country - so you can find the right coverage for your dog or cat at the right price.
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Our Top Picks
Hand-picked by our expert team after extensive testing.
Embrace Pet Insurance
Embrace consistently earns the highest customer satisfaction ratings in the pet insurance industry. Their diminishing deductible (decreases by $50 each year you don't file a claim), flexible coverage options, and fast claims processing make them our top pick for comprehensive pet insurance.
Pros
- +Diminishing deductible rewards healthy pets - unique in the industry
- +Covers exam fees, which adds $50-$100 per claim vs. competitors that exclude them
- +Highly rated claims experience with fast processing and low denial rates
- +Optional Wellness Rewards plan for routine care at an additional cost
Cons
- −Slightly higher base premiums than the cheapest competitors
- −Wellness plan is a separate add-on, not included in base coverage
- −6-month waiting period for orthopedic conditions (standard in the industry)
Healthy Paws
Healthy Paws is famous for two things: no annual or lifetime payout caps and the fastest claims processing in the industry. Most claims are processed within 2-3 days, and many pet owners report same-day reimbursement. Their straightforward, single-plan structure makes choosing coverage simple.
Pros
- +No caps on payouts - critical for expensive conditions like cancer treatment ($10,000+)
- +Industry-leading claims speed - most processed in 2-3 business days
- +Simple plan structure eliminates confusion about coverage levels
- +Strong customer satisfaction ratings across all review platforms
Cons
- −No wellness or routine care coverage option - accident and illness only
- −Does not cover exam fees
- −Cannot customize deductible and reimbursement as flexibly as some competitors
Lemonade Pet Insurance
Lemonade brings a tech-first approach to pet insurance with AI-powered instant claims, a clean mobile app, and some of the lowest starting premiums in the market. Their base accident and illness plan is very competitively priced, with optional add-ons for wellness, dental, and behavioral therapy.
Pros
- +Lowest starting premiums make coverage accessible for budget-conscious pet owners
- +AI claims processing delivers fastest possible turnaround for simple claims
- +Modern app experience is the best in the pet insurance industry
- +Modular add-ons let you customize coverage to your needs and budget
Cons
- −Add-ons can increase the price significantly - base plan is limited
- −Newer to pet insurance (launched 2020) - shorter track record than established competitors
- −Annual payout limits on base plans ($5,000-$100,000 depending on tier)
Latest Resources
Guides, tips, and industry insights from our editorial team.
How to Choose the Best Pet Insurance in 2026: The Complete Guide
After reviewing 20+ companies and analyzing thousands of real claims, we built a step-by-step framework for finding the right coverage for your pet.
How Much Does Pet Insurance Cost in 2026? Pricing by Breed, Age, and Location
Pet insurance premiums range from $10 to $100+/month depending on your pet. Here's what drives the price and how to get the best rate.
Pre-Existing Conditions in Pet Insurance: What's Excluded and What You Can Do About It
Pre-existing conditions are the #1 source of pet insurance claim denials. Here's exactly how they're defined, how insurers determine them, and strategies to minimize their impact.
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