Best Emergency Pet Insurance

Lemonade ranks first in our analysis for emergency pet insurance, combining the lowest rates with great customer service. The company provides comprehensive accident and illness coverage that includes emergency surgeries, hospitalization and diagnostic procedures, plus an optional vet visit fees add-on for emergency exams. However, Lemonade is only available in 41 states and limits enrollment to pets below 14 years old.

Lemonade leads the affordability rankings for cat insurance and places second for dog insurance nationwide. Monthly premiums range from $9 to $101, depending on your pet's age, coverage limit, deductible and reimbursement rate. Review the table below to compare Lemonade's costs based on your emergency coverage preferences.

Our analysis ranks Lemonade third in customer experience among emergency pet insurance providers. The company has a 4.2 out of 5 rating on Trustpilot, with 72% positive sentiment on Reddit based on the 32 comments we reviewed.

Lemonade offers accident and illness policies with annual limits from $5,000 to $100,000, deductibles between $100 and $750 and reimbursement rates of 60% to 90%, providing flexible options for emergency veterinary expenses. Its base policy covers emergency care diagnostics, procedures and medications, with optional add-ons for vet visit fees and physical therapy following accidents. Waiting periods include two days for accidents in most states, 14 days for illnesses and 30 days for orthopedic conditions, while pets must be under 14 years old to enroll.

Rainwalk ranks highest for customer experience among emergency pet insurance providers in our review. Policyholders frequently point to fast claim payments and responsive support when dealing with urgent care situations. 

The company covers accidents and illnesses and extends coverage to curable pre-existing conditions once pets remain symptom-free for 180 days. Rainwalk also includes unlimited 24/7 virtual vet consultations at no added cost, though availability remains restricted to 45 states.

Compared with other providers in our review, Rainwalk ranks eighth for cat insurance affordability and tenth for dog insurance. Monthly premiums range from $11 to $128, based on your pet’s age and selected coverage settings. Costs change with your deductible, annual limit, and reimbursement rate, giving flexibility around emergency care needs.

Based on customer feedback, Rainwalk maintains a 4.7 out of 5 Trustpilot rating and a 71% positive Reddit sentiment from the seven comments we examined. Many pet owners point to responsive support and efficient claims handling during urgent situations. Our analysis ranks Rainwalk highest for customer experience among emergency pet insurance providers.

Rainwalk offers accident and illness coverage with annual limits ranging from $5,000 to $20,000. Deductibles fall between $100 and $750, with reimbursement options from 70% to 90%. Policies include a 14-day waiting period for both accidents and illnesses, including emergency treatment. 

Rainwalk also covers curable pre-existing conditions after 180 symptom-free days and offers optional add-ons for exam fees, breeding coverage and veterinarian-approved holistic treatments tied to emergency care.

AKC ranks first in our emergency pet insurance review for its approach to pre-existing condition coverage. After 365 days of continuous enrollment, policies extend to both curable and incurable pre-existing conditions, which offers meaningful protection during emergencies. 

Hereditary and congenital issues such as cherry eye, heart disease and hip hip dysplasia require optional add-on coverage. AKC operates in all 50 states and Washington, D.C., and includes a 24/7 vet helpline for emergency guidance.

Compared with other providers in our review, AKC ranks ninth for affordability for both dogs and cats. Monthly premiums range from $14 to $235, based on your pet’s age and selected coverage settings. Deductibles, annual limits and reimbursement rates account for most pricing differences.

AKC ties with Lemonade for third place in customer experience among the emergency pet insurance providers we reviewed. Reddit feedback shows 86% positive sentiment, with six of seven comments reflecting favorable experiences. AKC’s Trustpilot rating sits at 3.2 out of 5, which suggests mixed experiences with customer support.

AKC earns our top spot for coverage options and policy terms due to its pre-existing condition coverage after 365 days of enrollment. Plans offer annual limits from $2,500 to $10,000, deductibles between $100 and $1,000, and reimbursement rates ranging from 70% to 90%. 

Optional add-ons cover breeding, hereditary conditions and exam fees. Coverage begins after a two-day waiting period for accidents, 14 days for illnesses, and 180 days for cruciate ligament conditions and IVDD, which affects when certain emergency claims qualify.