Updated: January 14, 2026
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Comparing pet insurance plans requires evaluating quotes and coverage options for your pet's needs. We analyzed quotes from top providers and rated each company on affordability, customer satisfaction and coverage levels.
Our national ratings appear alongside pet insurance quotes so you can compare competitive rates and coverage quality. These ratings provide a starting point when requesting personalized quotes for your pet.
We rated top pet insurance companies on affordability, customer satisfaction and coverage. The table shows national ratings alongside company details.
Lemonade | 90 | $41 | 4 | Up to 10% |
AKC | 82 | $59 | 2.9 | Up to 10% |
Pets Best | 80 | $53 | 3.9 | 5% |
Rainwalk | 80 | $60 | 4.6 | 5% |
Pumpkin | 79 | $46 | 4.8 | Up to 10% |
ASPCA | 76 | $48 | 3.6 | Up to 10% |
Spot | 75 | $57 | 4.7 | 10% |
Figo | 75 | $52 | 3.7 | Up to 15% |
Hartville | 70 | $55 | 2.9 | 10% |
MetLife | 59 | $57 | 4.6 | 10% |
Fetch | 57 | $77 | 4.5 | 10% |
Embrace | 54 | $73 | 4.1 | Up to 10% |
Liberty Mutual | 52 | $65 | 3 | Up to 10% |
Nationwide | 50 | $94 | 4.3 | 5% |
How We Got Our Pet Insurance Plan Ratings and Rates
Average costs reflect plans with a $500 deductible, $5,000 annual limit and 80% reimbursement rate. We calculated scores using affordability compared to other market companies, overall customer satisfaction from buying and claims reviews, and coverage options.
Pet insurance companies vary in claims handling, customer response times and reimbursement processing. We reviewed major providers to show which companies offer strong service beyond competitive quotes.
Our provider reviews cover each insurer's customer satisfaction ratings, claims experiences and coverage details. These reviews help you evaluate companies alongside quotes to match your budget and service needs.
Coverage details vary between pet insurance companies. We compiled coverage options, waiting periods and sample agreements from top providers for side-by-side comparison.
Review each company's reimbursement limits, deductible options and add-on coverage before requesting quotes. Compare quotes at similar coverage levels.
Lemonade | Lemonade offers $5,000–100,000 annual limits with deductibles of $100, $250, $500 and $750. Reimbursement rates include 60%, 70%, 80% and 90% options. Add-on coverage includes routine wellness, end-of-life and remembrance services, physical therapy, dental illness, behavioral conditions and vet visit fees. |
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AKC | AKC provides $2,500–25,000 annual limits or unlimited coverage. Choose deductibles from $100–1,000 with multiple options in between. The company offers 70%, 80% and 90% reimbursement rates. Add-ons cover routine wellness, hereditary and congenital conditions, exam fees, breeding, alternative therapy and end-of-life expenses. |
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Pets Best | Pets Best has annual limits of $5,000, $10,000 or unlimited. Deductible options are $100, $200, $250, $500 and $1,000. You can select 70%, 80% or 90% reimbursement. Add-on coverage includes routine wellness, exam fees and physical therapy. |
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Rainwalk | Rainwalk offers six annual limit options ($5,000–20,000). Deductibles range from $100–750 with six tiers. The company provides 70%, 80% and 90% reimbursement rates. Add-ons include routine vaccinations, exam fees, alternative treatments, pet owner assistance and breeding coverage. |
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Pumpkin | Pumpkin provides annual limits of $5,000, $10,000, $20,000 or unlimited. Choose from four deductibles: $100, $250, $500 and $1,000. Reimbursement rates are 80% or 90%. Routine wellness coverage is available as an add-on. |
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ASPCA | ASPCA has annual limits from $2,500–10,000 or unlimited. Deductible options include $100, $250 and $500. You can choose 70%, 80% or 90% reimbursement. Routine wellness coverage is the only add-on available. |
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Spot | Spot offers seven annual limit options ($2,500–10,000) or unlimited. Five deductibles are available from $100 to $1,000. Select 70%, 80% or 90% reimbursement rates. Add-on coverage includes routine wellness. |
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Figo | Figo provides annual limits of $5,000, $10,000 or unlimited. Deductibles include $100, $250, $500 and $750. The company offers four reimbursement rates: 70%, 80%, 90% and 100%. Add-ons cover routine wellness, vet exam fees, pet owner assistance, and alternative and physical therapy. |
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Hartville | Hartville has five annual limit options ($2,500–10,000). Choose from three deductibles: $100, $250 and $500. Reimbursement rates are 70%, 80% and 90%. Routine wellness coverage is available as an add-on. |
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MetLife | MetLife offers $500–25,000 annual limits in $1,000 increments. Deductibles range from $0–750 in $50 increments, plus $1,000, $1,250, $1,500, $2,000 and $2,500 options. Choose 50%, 70%, 80% or 90% reimbursement. Routine wellness coverage is the only add-on. |
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Fetch | Fetch provides four annual limit choices: $5,000, $10,000, $15,000 or unlimited. Deductibles range from $250–2,500. The company offers 70%, 80% and 90% reimbursement rates. Add-on coverage includes routine wellness. |
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Embrace | Embrace has six annual limit options ($2,000–15,000) or unlimited. Five deductibles are available from $100 to $1,000. Select 70%, 80% or 90% reimbursement. Add-ons cover routine wellness and vet exam fees. |
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Liberty Mutual | Liberty Mutual offers three annual limits: $5,000, $10,000 and $15,000. Deductible options are $250, $500 and $1,000. You can choose 70%, 80% or 90% reimbursement. No add-ons are available. |
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Nationwide | Nationwide provides annual limits of $2,500, $5,000 and $10,000. Choose from three deductibles: $250, $500 and $1,000. Reimbursement options include 50%, 70% and 80%. Add-ons cover routine wellness and hereditary and congenital conditions. |
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Healthy Paws | Healthy Paws offers unlimited annual coverage only. Three deductibles are available: $250, $500 and $1,000. Select 70%, 80% or 90% reimbursement rates. The company doesn't offer add-on coverage. |
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Prudent Pet | Prudent Pet has three annual limit options: $2,500, $10,000 or unlimited. Deductibles include $100, $250, $500 and $1,000. Choose 70%, 80% or 90% reimbursement. Add-ons cover routine wellness and vet exam fees. |
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Trupanion | Trupanion provides unlimited annual coverage. Deductibles range from $0–1,000. The company offers only 90% reimbursement. Add-on options include recovery and complementary care, pet owner assistance and breeding coverage. |
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Wagmo | Wagmo offers a $20,000 annual limit with three deductible options: $250, $500 and $1,000. You can select 80%, 90% or 100% reimbursement rates. Routine wellness coverage is available as an add-on. |
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Pet insurance rates and available companies vary by state because of local veterinary costs and regulations. We analyzed the best and most affordable pet insurance plan for each state so you can find competitive quotes in your area.
Compare rates and coverage options from top-rated companies in your location.
Pet insurance premiums and top plans vary by breed. No single company offers the best rates for every pet. Our breed-specific resources show cost comparisons and coverage options for your pet.
Finding the right pet insurance is complicated with dozens of coverage options and conflicting advice online. This guide shows how to buy pet insurance and get the best deal.
Know how much coverage you need before buying to avoid overpaying. Three components determine your plan:
Standard plans exclude routine care, grooming and pre-existing conditions. Some providers sell add-ons for these items. Many offer accident-only policies or combined accident and illness coverage.
Pet insurance costs vary by coverage level. Research discounts you qualify for to save up to 15% based on our research. Cost factors:
Compare each provider's coverage, exclusions, waiting periods, reimbursement options (direct to vet or direct deposit) and claim processing. This research shows coverage value and claim convenience. Every provider offers sample policies, many state-specific. Ask an agent about these details before committing.
Most providers offer quote tools that make 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.
These pet insurance guides help you compare coverage options and find quotes for your pet.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
