Compare Pet Insurance Plans & Quotes

Updated: December 4, 2025

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Compare Pet Insurance Plans by Affordability and Ratings

Comparing pet insurance plans means evaluating quotes and plan coverage options to find the best value for your pet's needs. We analyzed quotes from top providers and rated each company based on affordability, customer satisfaction and coverage levels.

Our national ratings appear alongside pet insurance quotes to help so you can compare the best combination of competitive rates and reliable coverage. Use these pet insurance plan ratings as your starting point when requesting personalized quotes for your pet.

Compare Pet Insurance Rates

Ensure you are getting the best rate for your pet insurance. Compare quotes from the top insurance companies.

Compare Pet Insurance Company Ratings

To start your comparison journey,  we've broken down key details of top pet insurance companies and our national ratings for each.

Lemonade
90 out of 100
$41
4.0 out of 5.0
Up to 10%
AKC
82 out of 100
$59
2.9 out of 5.0
Up to 10%
Pets Best
80 out of 100
$53
3.9 out of 5.0
5%
Rainwalk
80 out of 100
$60
4.6 out of 5.0
5%
Pumpkin
79 out of 100
$46
4.8 out of 5.0
Up to 10%
ASPCA
76 out of 100
$48
3.6 out of 5.0
Up to 10%
Spot
75 out of 100
$57
4.7 out of 5.0
10%
Figo
75 out of 100
$52
3.7 out of 5.0
Up to 15%
Hartville
70 out of 100
$55
2.9 out of 5.0
10%
MetLife
59 out of 100
$57
4.6 out of 5.0
10%
Fetch
57 out of 100
$77
4.5 out of 5.0
10%
Embrace
54 out of 100
$73
4.1 out of 5.0
Up to 10%
Liberty Mutual
52 out of 100
$65
3.0 out of 5.0
Up to 10%
Nationwide
50 out of 100
$94
4.3 out of 5.0
5%

How We Got Our Pets Insurance Plan Ratings and Rates

Compare Pet Insurance Company Reviews

Pet insurance companies differ in how they handle claims, respond to customers and process reimbursements. We reviewed major providers to show which companies deliver reliable service beyond competitive quotes.

Our provider reviews break down each insurer's customer satisfaction ratings, claims experiences and coverage details. Use these reviews alongside quotes to find a company that fits your budget and meets your service expectations.

Compare Pet Insurance Plan Coverage Details

Coverage details vary between pet insurance companies, making side-by-side comparison important when evaluating quotes. We compiled coverage options, waiting periods and sample agreements from top providers to help you compare plans accurately.

Review each company's reimbursement limits, deductible options and add-on coverage before requesting quotes.  Compare pet insurance quotes for similar plan coverage levels.

Lemonade

Annual Limits: $5,000, $10,000, $20,000, $50,000, $100,000 

 

Deductibles: $100, $250, $500, $750 

 

Reimbursement Rates: 60%, 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage, End-of-life and remembrance, physical therapy, dental illness, behavioral conditions, vet visit fees

  • 2 days for accidents
  • 14 days for illnesses
  • 30 days for orthopedic conditions
  • Up to 6 months for cruciate ligament events
Not available
AKC

Annual Limits: $2,500, $5,000, $7,500, $10,000, $15,000, $20,000, $25,000, Unlimited

 

Deductibles: $100, $200, $250, $300, $400, $500, $600, $750, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage, hereditary and congenital conditions, exam fees, breeding, alternative therapy, end-of-life expenses

  • 2 days for accidents
  • 14 days for illnesses
  • 180 days for cruciate or orthopedic conditions
Pets Best

Annual Limits: $5,000, $10,000, Unlimited 

 

Deductibles: $100, $200, $250, $500, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage, exam fees, physical therapy

  • 3 days for accidents
  • 14 days for illnesses
  • 6 months for cruciate ligament events and related conditions
Rainwalk

Annual Limits: $5,000, $8,000, $10,000, $12,000, $15,000, $20,000 

 

Deductibles: $100, $200, $250, $350, $500, $750 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine vaccinations, exam fees, alternative treatments, pet owner assistance, breeding

  • 14 days for accidents
  • 14 days for illnesses
Pumpkin

Annual Limits: $5,000, $10,000, $20,000, Unlimited 

 

Deductibles: $100, $250, $500, $1,000 

 

Reimbursement Rates: 80% or 90% 

 

Add-ons: Routine wellness coverage

  • 14 days for accidents
  • 14 days for illnesses
ASPCA

Annual Limits: $2,500, $5,000, $7,000, $10,000, Unlimited 

 

Deductibles: $100, $250, $500 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage

  • 14 days for accidents
  • 14 days for illnesses
  • 14 days for knee or ligament conditions
Spot

Annual Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited 

 

Deductibles: $100, $250, $500, $750, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage

  • 14 days for accidents
  • 14 days for illnesses
  • 14 days for knee or ligament conditions
Figo

Annual Limits: $5,000, $10,000, Unlimited 

 

Deductibles: $100, $250, $500, $750 

 

Reimbursement Rates: 70%, 80%, 90%, 100% 

 

Add-ons: Routine wellness coverage, vet exam fees, pet owner assistance, alternative and physical therapy

  • 1 day for accidents
  • 14 days for illnesses
  • 6 months for orthopedic conditions
Hartville

Annual Limits: $2,500, $4,000, $5,000, $7,000, $10,000 

 

Deductibles: $100, $250, $500 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage

  • 14 days for accidents
  • 14 days for illnesses
  • 14 days for knee or ligament conditions
MetLife

Annual Limits: $500 to $25,000 in $1,000 increments 

 

Deductibles: $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500

 

Reimbursement Rates: 50%, 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage

  • 0 day for for accidents
  • 14 days for illnesses
  • 14 days for orthopedic conditions
Fetch

Annual Limits: $5,000, $10,000, $15,000, Unlimited 

 

Deductibles: $250 to $2,500 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage

  • 15 days for accidents
  • 15 days for illnesses
  • 6 months for orthopedic and cruciate conditions
Embrace

Annual Limits: $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited 

 

Deductibles: $100, $250, $500, $750, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage, vet exam fees

  • 0 day for accidents
  • 14 days for illnesses
  • 6 months for orthopedic conditions
Liberty Mutual

Annual Limits: $5,000, $10,000, $15,000 

 

Deductibles: $250, $500, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: None

  • 14 days for accidents
  • 14 days for illnesses
  • 14 days for other conditions (hereditary and behavioral)
Nationwide

Annual Limits: $2,500, $5,000, $10,000 

 

Deductibles: $250, $500, $1,000 

 

Reimbursement Rates: 50%, 70%, 80% 

 

Add-ons: Routine wellness coverage, hereditary and congenital conditions

  • 2 days for accidents
  • 14 days for illnesses
  • 12 months for cruciate ligament conditions
Healthy Paws

Annual Limits: Unlimited 

 

Deductibles: $250, $500, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: None

  • 15 days for accidents
  • 15 days for illnesses
  • 12 months for hip dysplasia
Prudent Pet

Annual Limits: $2,500, $10,000, Unlimited 

 

Deductibles: $100, $250, $500, $1,000 

 

Reimbursement Rates: 70%, 80%, 90% 

 

Add-ons: Routine wellness coverage, vet exam fees

  • 5 days for accidents
  • 14 days for illnesses
  • 6 months for knee and ligament issues
Trupanion

Annual Limits: Unlimited 

 

Deductibles: $0 to $1,000 

 

Reimbursement Rates: 90% 

 

Add-ons: Recoverage and complementary care, pet owner assistance, breeding

  • 5 days for accidents
  • 30 days for illnesses
Wagmo

Annual Limits: $20,000 

 

Deductibles: $250, $500, $1,000 

 

Reimbursement Rates: 80%, 90%, 100% 

 

Add-ons: Routine wellness coverage

  • 15 days for accidents
  • 15 days for illnesses
  • 30 days for cancer

Compare the Best Pet Insurance Plans by State

Pet insurance rates and available companies vary by state due to local veterinary costs and regulations. We analyzed the best and most affordable pet insurance plan for each state to help you find competitive quotes in your area.

In the table, compare rates and coverage options from the top-rated companies available in your location.

Compare Pet Insurance Plans and Quotes by Breed

Pet insurance premiums and the best pet insurance plans vary by breed, and no single company offers the best rates for every pet. Our breed-specific resources help you compare costs and find the right coverage for your companion.

How to Compare Pet Insurance Plans

Finding the right pet insurance gets complicated with dozens of coverage options and conflicting advice online. We created a guide on how to buy pet insurance and find the best deal.

  1. 1
    Research and Decide on Coverage Level Before Quotes

    Know how much coverage you need before buying. Avoid overpaying. Three components determine your plan:

    • Annual Limit: Annual claim limit. Set limit or unlimited.
    • Deductible: What you pay before insurance reimburses you for a covered incident.
    • Reimbursement Rate: Percentage of covered bills your insurer pays back.

    Standard plans exclude routine care, grooming and pre-existing conditions. Some providers sell add-ons covering these items. Many offer accident-only policies or combined accident and illness coverage.

  2. 2
    Learn About Costs and Discounts

    Understand what pet insurance costs at different coverage levels. Research discounts you qualify for. Save up to 15% based on our research. Cost factors:

    • Pet Age: Older pets face more accidents and illnesses, increasing premiums.
    • Breed: Some breeds carry higher risk due to genetic issues or behavioral factors.
    • Pet Size: Size affects life expectancy and medication dosages for covered incidents.
    • State: Your state increases or decreases costs for procedures, medication and covered items.
    • Your Veterinarian: Provider pricing affects your insurance cost through different rates for procedures, checkups, medication and covered items.
  3. 3
    Read the Fine Print for Policy Terms

    Compare each provider's coverage, exclusions, waiting periods, reimbursement options (direct to vet or direct deposit) and claim processing. Research reveals coverage value and claim convenience. Every provider offers sample policies, many state-specific. Comparison is straightforward. Ask an agent about these details before committing.

  4. 4
    Compare Quotes from Multiple Pet Insurance Companies

    Most providers offer quote tools making comparisons fast. Use identical coverage limits and deductibles for accurate comparisons. Larger insurers like GEICO or State Farm sell pet insurance through partners. Verify you're comparing different providers.

Comparing Pet Insurance Plans: FAQ

Additional pet insurance guides are available to let you compare coverage options and find the best quotes for your pet.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

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