Best Pet Insurance

We ranked Lemonade as the best pet insurance company based on its overall affordability and solid customer experience. Our analysis found that it offers the lowest rates for pet insurance, particularly for dogs. It also allows you to fully customize your policy to match your pet’s needs, though it won't insure pets older than 10.

Coverage availability varies by state. Check with provider for availability in your location.

Lemonade ranked first for dog insurance affordability and second for cat insurance affordability in our study. Its rates range between $9 and $100 monthly, depending on your pet’s profile and your preferred coverage. Check Lemonade’s average rates below for your particular profile.

Lemonade offers the 3rd-best customer experience for pet insurance nationwide. It has a 4.2 out of 5.0 rating on Trustpilot and garnered 23 positive comments out of 32 on Reddit.

Lemonade only offers accident and illness coverage, but it comes with fully customizable policy limits ranging from $5,000 to $100,000 annually, four deductible options and flexible reimbursement rates between 60% and 90%. The company also provides several add-ons, such as routine vet care packages, dental illness coverage, behavioral therapy coverage and end-of-life services. However, it only insures pets up to 10 years old at enrollment.

Our analysis shows Rainwalk is among the best pet insurance companies, ranking 1st in customer experience overall. It's also the best option for those seeking coverage for senior pets. However, its policies are only available in 37 states.

Rainwalk ranks eighth in affordability for cats and 10th for dogs. Its rates are more expensive than those of other providers, ranging from $11 to $129 per month based on your pet's profile and coverage selections. See how much Rainwalk pet insurance costs for your specific situation.

Rainwalk ranks first in customer experience compared to other companies we looked at. The company has a 4.7 out of 5.0 rating on Trustpilot. Our social media analysis also shows a majority positive sentiment on Reddit, with 5 out of 7 comments studied being positive.

Rainwalk ranks fourth in coverage nationwide, offering comprehensive accident and illness coverage with customizable policy limits. It also provides benefits like routine vaccination coverage up to $100 and free, unlimited virtual vet visits. All Rainwalk policies have a Curable Conditions Clause, allowing coverage for previously excluded conditions if your pet completes treatment and remains symptom-free for 180 days.

Among the pet insurance providers we analyzed, AKC ranks first in coverage options and third in customer experience overall. It’s the only major pet insurance company offering coverage for pre-existing conditions, making it ideal for pets with existing health issues. However, the company has higher average premiums compared to other insurers.

Coverage availability varies by state. Check with provider for availability in your location.

AKC ranks ninth in affordability in our study, with monthly premiums ranging from $14 to $235 based on your pet’s profile and desired coverage. Use the filterable table below to see how AKC’s rates stack up for your profile.

AKC tied with Lemonade in our analysis as the third-best in customer experience nationwide. It earned exceptional positive sentiment on Reddit, with 6 favorable comments out of 7, though Trustpilot shows more mixed results at 3.2 out of 5.0 stars.

AKC leads in coverage options, ranking first among insurers in our study and offering comprehensive accident and illness protection with flexible policy limits. The company’s standout feature remains its pre-existing condition coverage, available after a 12-month waiting period. It also has optional add-ons like alternative therapy coverage, behavioral treatment coverage and breeding coverage, with availability varying by state.