Updated: August 25, 2025
Advertising & Editorial Disclosure
Lemonade is the best overall pet insurance company in the U.S., earning scores of 4.5 out of 5.0 for dogs and 4.25 out of 5.0 for cats.
Lemonade wins six out of eight categories in our study, making it the best option for puppies, kittens and young to middle-aged dogs and cats.
To find the best pet insurance, consider your budget and pet’s needs, compare multiple quotes, read the fine print and look for customer reviews.
Lemonade is MoneyGeek’s top pick for the best pet insurance overall, excelling in affordability while maintaining solid customer service and competitive coverage options. Rainwalk, AKC, Pets Best and Pumpkin are also great alternatives to consider.
Check the table below to see how each provider performs nationally across our three core rating categories.
| Lemonade | 4.5 | $41 | 3 | 6 |
| AKC | 4.1 | $59 | 3 | 1 |
| Pets Best | 4 | $53 | 5 | 2 |
| Rainwalk | 3.95 | $60 | 1 | 4 |
| Pumpkin | 3.95 | $46 | 3 | 11 |
Lemonade wins six out of the eight categories in our analysis. Meanwhile, Rainwalk wins the categories for senior dogs and senior cats. Use the table below to see which company is best for the profile that matches your pet the closest.
| Puppies | Lemonade | $24 | 3 | 6 |
| Kittens | Lemonade | $12 | 3 | 6 |
| Young Dogs | Lemonade | $28 | 3 | 6 |
| Young Cats | Lemonade | $15 | 3 | 6 |
| Middle Aged Dogs | Lemonade | $48 | 3 | 6 |
| Middle Aged Cats | Lemonade | $26 | 3 | 6 |
| Senior Dogs | Rainwalk | $74 | 1 | 4 |
| Senior Cats | Rainwalk | $48 | 1 | 4 |
The recommendations above provide general guidance, but you can get more personalized results using our filterable table below. Enter your pet's type and age group along with your preferred deductible, reimbursement rate and coverage limit to see which companies are best for your specific needs.
| Lemonade | 4.5 | $28 | 3 | 6 |
| Pets Best | 4.2 | $33 | 5 | 2 |
| Pumpkin | 4 | $31 | 3 | 11 |
| AKC | 3.9 | $47 | 3 | 1 |
| Rainwalk | 3.85 | $45 | 1 | 4 |
| Figo | 3.8 | $36 | 7 | 5 |
| ASPCA | 3.7 | $36 | 6 | 8 |
| Spot | 3.7 | $43 | 2 | 8 |
| Fetch | 3.5 | $44 | 6 | 3 |
| Hartville | 3.4 | $42 | 6 | 8 |
| Embrace | 2.85 | $51 | 6 | 10 |
| Met Life | 2.75 | $46 | 8 | 7 |
| Nationwide | 2.5 | $71 | 4 | 9 |
| Liberty Mutual | 2.4 | $51 | 8 | 8 |
To help you better understand the best pet insurance, we've created detailed reviews about our top three picks, highlighting what makes each unique and what it’s best for.
Best Overall
Average Monthly Rate for Dogs
Average Monthly Rate for Cats
Overall Reddit Sentiment
Maximum Annual Limit
Best Customer Experience
Average Monthly Rate for Dogs
Average Monthly Rate for Cats
Trustpilot Ratings
Maximum Annual Limit
Best Pet Insurance Coverage Options
Average Monthly Rate for Dogs
Average Monthly Rate for Cats
Overall Reddit Sentiment
Maximum Annual Limit
Finding pet insurance means understanding what your pet needs and comparing plans from different companies. Here's how to get coverage that fits your pet and budget.
Think about your pet's age, breed, and any health issues to figure out what coverage level you need, from basic accident-only to comprehensive accident and illness, plus wellness plans. Review your current pet expenses to decide how much you can afford for monthly premiums without straining your finances.
Get quotes from at least three insurers using your pet's specific information, such as its age, breed, weight and ZIP code. Make sure to enter similar coverage limits, deductibles and reimbursement rates across providers to ensure accurate pricing comparisons. You can also look for available discounts, like multi-pet discounts, annual payment discounts or bundling options that can reduce your premiums.
Pay close attention to breed-specific exclusions, coverage gaps and how claims are filed, processed and reimbursed. Understand the terms and conditions thoroughly before deciding because these details can impact your experience when filing claims.
Research customer reviews and financial stability ratings from independent sources like AM Best, Better Business Bureau and Trustpilot to gauge each company's reputation. Ask your veterinarian for recommendations based on their experience with different insurers' claim processes and coverage reliability. Family members and friends who have pet insurance can also provide valuable insights.
Lemonade tops our rankings for best pet insurance overall. It's our top choice for puppies, kittens and young to middle-aged dogs and cats. Rainwalk works best for senior pets and owners who want excellent customer service. Compare quotes from several companies, review policy terms and read customer reviews to find coverage that fits your pet and budget.
We've answered the most common questions about finding the best pet insurance to help you make an informed decision:
Lemonade has the best pet insurance overall, earning scores of 4.5 out of 5 for dogs and 4.25 out of 5 for cats in our analysis. It won six out of eight categories in our study, making it the best choice for puppies, kittens and young to middle-aged pets.
Rainwalk has the best customer service among pet insurance companies we reviewed. It maintains a 4.7 out of 5 rating on Trustpilot and 71% positive social media sentiment on Reddit.
Rainwalk is the best pet insurance for senior dogs and cats, winning both categories in our analysis. The company offers comprehensive accident and illness coverage with unique benefits, like routine vaccination coverage up to $100 and free unlimited virtual vet visits. It also features a Curable Conditions Clause for previously excluded conditions.
If your pet has pre-existing conditions, AKC is your only option among major insurers. Coverage kicks in after a 12-month waiting period, making it perfect for pets with existing health problems.
When comparing pet insurance quotes, focus on coverage details and costs. Use the same coverage limits, deductibles and reimbursement rates across at least three companies for fair pricing comparisons. Check what's covered and excluded, including breed-specific limits and how claims work.
Yes, Lemonade offers the best pet insurance for puppies and kittens, winning both categories in our analysis. The company offers affordable monthly rates starting at $9 on average.
Accident-only pet insurance covers injuries from unexpected events like broken bones, cuts or ingesting foreign objects but excludes illnesses like cancer or infections. Comprehensive pet insurance covers both accidents and illnesses, including chronic conditions, hereditary diseases and diagnostic tests.
Pet insurance deductibles are the out-of-pocket amount you must pay toward covered veterinary expenses before your insurance begins reimbursing eligible costs, typically applied annually.
For example, with a $500 deductible and 90% reimbursement, you'd pay the first $500 of vet bills each year, then the insurance reimburses 90% of the remaining eligible expenses.
Yes, most pet insurance companies offer various discounts to reduce your premiums. These include multi-pet discounts for insuring multiple animals, annual payment discounts for paying yearly instead of monthly, military discounts for service members and bundling discounts when combining with other insurance policies.
Most pet insurance won't cover pre-existing conditions, cosmetic procedures, breeding costs and routine wellness care unless you buy extra coverage. Some policies also exclude alternative therapies, behavioral treatments or experimental procedures. Read your policy carefully to know exactly what's covered and what isn't.
We analyzed 20 major pet insurance providers in the United States, examining their coverage details and quotes to give you our top recommendations. Our approach focused on three core rating categories: affordability, customer experience and coverage options.
Our initial recommendations for the best pet insurance are based on these standardized profiles to ensure fair comparisons:
How We Scored Each Company
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our scoring system for easy understanding of our ratings and comprehensive inclusion of all available information:
About Mark Fitzpatrick
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
