Best Pet Insurance

Pumpkin is the second-cheapest pet insurance provider in our analysis, averaging $31 per month, which is 35% below the national average. That makes it a cost-effective option for pet owners who want strong service quality without paying close to the market rate. Pumpkin ranks first in affordability for the following categories:

• Dog breeds most often cheapest for:

  • Medium breeds: English Pointer, Hungarian Vizsla, Peruvian Hairless Dog, Samoyed

• Cat breeds most often cheapest for: Birman, Bombay, Devon Rex, Norwegian Forest Cat, Ragdoll, Savannah, Siberian, Snowshoe, Tonkinese

• States/Regions most often cheapest in:

  • Northeast: CT, DE, NJ, NY, VT
  • Midwest: IL, KS, MI, MO, NE, SD
  • South: AL, AR, FL, GA, LA, OK, TN, TX
  • West: AK, AZ, ID, NV

Pumpkin outperforms in customer experience, ranking first in buying, claims and policy management overall. Its strongest areas are sales support, submission ease and onboarding, which means pet owners get clear pricing before they commit, a straightforward enrollment process and a claims submission experience that's simpler than most competitors. Admin support is its relative weak point, ranking fifth among providers, so pet owners who frequently need help with policy changes or coverage updates may find the support less responsive than in other areas. Still, Pumpkin's consistency across nearly every category makes it the best provider for customer service in our analysis.

Check the table below to see how Pumpkin performed across every customer experience category in our pet insurance analysis, including online reviews and direct testing by our team.

Pumpkin ranks 12th for coverage in our study, reflecting a simplified policy structure that prioritizes ease of use over breadth. Its base plan includes cancer treatment, behavioral treatment, alternative therapy and microchip implantation, and the uniform 14-day waiting period across accidents, illnesses and ligament or knee conditions means dog breeds prone to hip dysplasia and joint issues, like Labrador Retrievers and German Shepherds, and cat breeds prone to luxating patella, like Abyssinians and the Devon Rex, reach full coverage faster than with providers that impose a six-month orthopedic wait. 

That said, pet owners who want immediate accident coverage will find the 14-day wait a drawback, and those who want the most flexibility over deductibles, reimbursement rates and annual limits may find Pumpkin limiting.

Here's a quick breakdown of Pumpkin's coverage options and terms.

At $29 per month, ASPCA is the cheapest pet insurance provider in our analysis, providing 38% savings compared to the national average. That pricing makes it the go-to option for most dog breeds, from toy breeds like Maltese and Yorkshire Terriers to large and giant breeds like German Shepherds, Rottweilers and Great Danes, making it a practical choice regardless of what size dog you own.ASPCA also offers the most affordable pet insurance rates in these categories:

• Dog breeds most often cheapest for:

  • Toy breeds: English Toy Terrier, Japanese Chin, Maltese, Maltipoo, Miniature Dachshund, Morkie, Papillon, Pomeranian, Shih Tzu, Yorkshire Terrier
  • Small breeds: American Eskimo, American Hairless Terrier, Cavachon, Cavalier King Charles Spaniel, Cavapoo, Dachshund, French Bulldog, German Spitz, Havanese, Jack Russell Terrier, Japanese Spitz, Lhasa Apso, Puggle, Scottish Terrier, Shetland Sheepdog, Shiba Inu, Welsh Terrier, West Highland White Terrier
  • Medium breeds: Airedale Terrier, Alaskan Husky, American Foxhound, American Staffordshire Terrier, Australian Kelpie, Basenji, Basset Hound, Bearded Collie, Belgian Shepherd Malinois, Border Collie, Chow Chow, Clumber Spaniel, Cockapoo, Collie, English Bulldog, English Foxhound, English Setter, English Springer Spaniel, Field Spaniel, Finnish Lapphund, Foxhound, German Pinscher, Goldendoodle, Gordon Setter, Harrier, Husky, Icelandic Sheepdog, Komondor, Labradoodle, Lurcher, Norwegian Elkhound, Pembroke Welsh Corgi, Pointer, Puli, Saluki, Schnoodle, Siberian Husky, Tibetan Terrier, Vizsla, Welsh Springer Spaniel
  • Large and giant breeds: Akita, Alaskan Malamute, American Bulldog, American Bully, Bernese Mountain Dog, Borzoi, Briard, Bull Mastiff, Cane Corso, Dogue de Bordeaux, English Mastiff, German Shepherd, Golden Retriever, Great Dane, Great Pyrenees, Greyhound, Italian Spinone, Kangal Shepherd Dog, Newfoundland, Old English Sheepdog, Rhodesian Ridgeback, Rottweiler, Saint Bernard, Tibetan Mastiff, Weimaraner

• States/Regions most often cheapest in:

  • Northeast: MA, ME, NH, PA, RI
  • Midwest: IA, IN, KY, MN, ND, OH, WI
  • South: DC, NC, OR, VA, WV, WY
  • West: CA, CO, HI, MT, NM, UT

Customer experience is ASPCA's clearest tradeoff for the low rates it delivers. App UX, and billing and renewals both rank last among all 18 providers, so pet owners who prefer managing their policy digitally or want a predictable renewal process will likely find the experience frustrating. Claims fairness and claims speed are the relative bright spots, which matters when you need to use your policy, but they aren't strong enough to offset the broader service gaps across buying and policy management. 

See how ASPCA stacked up across every customer experience category in our pet insurance analysis, including online reviews and direct testing by our team, in the table below.

ASPCA ranks third for coverage overall, earning its position through strong core inclusions, a flexible policy structure and competitive terms that hold up well against pricier alternatives. The base plan covers behavioral treatment, alternative therapy, prescription pet food and microchip implantation, and a single 14-day waiting period covers accidents, illnesses and ligament or knee conditions alike, which is a structure that works particularly well for owners of orthopedic-prone breeds who don't want to wait six months before joint and ligament claims become eligible. However, those who want the widest possible range of optional add-ons will have to find stronger alternatives.

Below is a quick breakdown of ASPCA's coverage terms and options.

Pets Best ranks third for affordability in our analysis, averaging $32 per month, which is 33% lower than the national benchmark. For pet owners who want the strongest coverage available without paying a premium for it, that pricing makes Pets Best a strong value: top-ranked coverage at a monthly cost that stays well below what most providers charge. Pets Best is the cheapest pet insurer for the categories below:

• Dog breeds most often cheapest for:

  • Toy breeds: Affenpinscher, Brussels Griffon, Chihuahua, Miniature Fox Terrier, Miniature Pinscher, Pekingese, Toy Poodle
  • Small breeds: Australian Silky Terrier, Australian Terrier, Beagle, Bichon Frise, Border Terrier, Boston Terrier, Cairn Terrier, Coton De Tulear, Fox Terrier, Miniature Bull Terrier, Miniature Poodle, Miniature Schnauzer, Norfolk Terrier, Norwich Terrier, Pug, Wire Fox Terrier
  • Medium breeds: Australian Cattle Dog, Australian Shepherd, Bull Terrier, Cocker Spaniel, Dalmatian, Dingo, Irish Terrier, Keeshond, Labrador Retriever, Peruvian Hairless Dog, Pitbull, Smooth Collie, Soft Coated Wheaten Terrier, Staffordshire Bull Terrier, Standard Schnauzer, Welsh Corgi Cardigan, Whippet
  • Large and giant breeds: Afghan Hound, Estrela Mountain Dog, German Shorthaired Pointer, Irish Setter, Scottish Deerhound, Standard Poodle

• Cat breeds most often cheapest for: Balinese, Bengal, Bombay, British Shorthair, Burmese, Chinchilla, Cornish Rex, Domestic Shorthair, Exotic Shorthair, Himalayan, Maine Coon, Munchkin, Persian, Russian Blue, Scottish Fold, Siamese, Sphynx

Price transparency is where Pets Best earns its strongest customer experience marks, meaning you'll have a clearer picture of what you're paying before committing to a policy than with many competitors. Once enrolled, the experience gets rougher: onboarding ranks 17th and claims submission ranks last, so the early stages of getting set up and filing a first claim are likely to feel more cumbersome than with higher-ranked alternatives. Billing and renewals performs well within policy management, which means fewer unexpected surprises when your policy renews or your payment processes. 

Review the full breakdown of how Pets Best performed across all customer experience categories in our pet insurance analysis, including online reviews and direct testing by our team, in the table below.

Pets Best ranks first for coverage among the 18 providers we analyzed, featuring strong core inclusions and direct vet payment. The three-day injury waiting period is one of the shortest available, which works well for high-energy pets, and the modular policy structure lets owners add exam fees, take-home prescriptions and rehabilitation coverage only when needed, keeping base premiums lower for pets that don't require every add-on. 

That said, alternative therapy, take-home medications and exam fees all require purchasing separate add-ons rather than coming standard, and the six-month waiting period for cruciate ligament conditions is a drawback for large breeds like Labrador Retrievers and Golden Retrievers where ligament injuries are common.

The table below breaks down Pets Best's coverage terms, waiting periods and available add-on options.

Averaging $40 per month, Lemonade's rates are 17% below the national average, ranking fourth nationally in our affordability ranking. For pet owners who factor in the no-waiting-period advantage for accidents, that monthly cost represents strong value: immediate accident coverage from day one at a price that stays well below what most providers charge. Lemonade offers the lowest rates for the categories below:

• Dog breeds most often cheapest for:

  • Small breeds: Italian Greyhound
  • Medium breeds: Basset Fauve de Bretagne, Portuguese Water Dog, Shar Pei
  • Large and giant breeds: Boxer

• Cat breeds most often cheapest for: British Longhair, Serengeti

• States/Regions most often cheapest in:

  • South: MS, SC
  • West: WA

Based in our study, claims speed is Lemonade's strongest individual category for customer experience, which is a direct advantage of its digital-first platform that processes reimbursements faster than most competitors. Billing and renewals also performs well, so pet owners can expect fewer surprises when their policy renews or their payment processes each month. Price transparency is where Lemonade falls shortest, meaning pet owners comparing quotes may find the final cost less clear upfront than with higher-ranked providers.

See the table below for Lemonade's performance across every customer experience category in our pet insurance analysis, including online reviews and direct testing by our team.

Lemonade ranks second for coverage in our analysis, with the widest range of policy customization options and the broadest add-on menu. The no-waiting-period advantage for accidents makes it a strong fit for high-energy breeds, but the 30-day orthopedic waiting period is a drawback for large breeds prone to joint conditions. Pet owners who want behavioral treatment, physical therapy, dental illness coverage and exam fees included without paying extra will find those all require separate add-ons with Lemonade.

Review Lemonade's coverage terms, waiting periods and available add-on options below.

With an average monthly rate of $42, Figo provides pet insurance that's 11% cheaper the national average. The value case for Figo strengthens further for military households, where the military discount brings that monthly cost down beyond what the base rate reflects. Figo tops the affordability ranking for the following categories:

• Dog breeds most often cheapest for:

  • Small breeds: Petit Basset Griffon Vendeen
  • Medium breeds: Bracco Italiano, Corgi, Groodle, Rough Collie
  • Large and giant breeds: Caucasian Shepherd Dog, Central Asian Shepherd Dog

• Cat breeds most often cheapest for: Australian Mist

Figo's strongest customer experience categories are claims submission ease and app UX, a meaningful advantage for pet owners who want a straightforward digital claims process without excessive paperwork. Claims speed also performs well, so reimbursements arrive faster than with many competitors once a claim is filed. Price transparency is Figo's most significant weak point, which means pet owners comparing quotes may have a harder time understanding exactly what they'll pay before committing to a policy.

Check the table below for the full breakdown of how Figo performed across every customer experience category in our pet insurance analysis, including online reviews and direct testing by our team.

Figo places fifth in our coverage ranking through its strong core inclusions, a 100% reimbursement rate option and a one-day accident waiting period. Genetic conditions, cancer and chronic conditions are all included in the base plan, making it a solid fit for owners of breeds with known hereditary risks who also want the option to eliminate out-of-pocket costs entirely through the 100% reimbursement tier. The six-month orthopedic waiting period is the most notable limitation, making Figo less ideal for owners of large dog breeds like German Shepherds and Labrador Retrievers where joint conditions can develop early and waiting half a year for that coverage to begin creates real financial exposure.

Below are Figo's coverage terms, waiting periods and optional add-ons.