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 5.0 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 provides the best overall customer experience among emergency pet insurance providers in our analysis, with policyholders praising its prompt claim reimbursements and responsive customer service representatives. The company offers generous coverage for accidents and illnesses, plus curable pre-existing conditions after 180 symptom-free days. Rainwalk also provides free, unlimited 24/7 virtual vet consultations, though it’s only available in 45 states.

Rainwalk ranks eighth in affordability for cat insurance and 10th for dog insurance, offering monthly premiums ranging from $11 to $128 based on your pet's age and selected coverage options. Compare Rainwalk's rates in the table below to find pricing that fits your budget and emergency care needs.

Rainwalk maintains a 4.7 out of 5.0 rating on Trustpilot and 71% positive sentiment on Reddit based on the seven comments we studied, reflecting strong satisfaction among pet owners dealing with claims. These ratings helped Rainwalk secure the top customer experience ranking in our emergency pet insurance analysis.

Rainwalk provides accident and illness coverage with annual limits from $5,000 to $20,000, deductibles between $100 and $750 and reimbursement rates of 70% to 90%. Its policies include a 14-day waiting period before coverage begins for accidents and illnesses, which applies to emergency care. Rainwalk also covers curable pre-existing conditions if your pet remains symptom-free for 180 days and offers optional add-ons for exam fees, breeding and holistic treatments prescribed during emergencies.

AKC ranks first for coverage in our emergency pet insurance analysis, providing coverage for curable and incurable pre-existing conditions after 365 days of continuous enrollment, which can prove invaluable during unexpected emergencies. However, hereditary and congenital conditions like cherry eye, heart disease and hip dysplasia require optional add-on coverage. AKC is available in all 50 states, plus it has a 24/7 vet helpline for emergency guidance.

AKC isn’t among the cheapest insurers in our study, ranking ninth in affordability for dogs and cats. Its monthly premiums range from $14 to $235, depending on your pet’s age, deductible, annual limit and reimbursement rate. Use the table below to explore AKC's pricing across different coverage options for your emergency care needs.

AKC ties for third place with Lemonade in customer experience among the emergency pet insurance providers we analyzed. It has 86% positive sentiment on Reddit, with six out of seven comments reflecting favorable feedback. That said, its Trustpilot rating of 3.2 out of 5.0 indicates there’s still room for improvement in AKC’s customer service.

As our pick for the best coverage options and terms, AKC stands out with its pre-existing condition coverage after 365 days of continuous enrollment in its base policy. It also offers $2,500 to $10,000 annual limits, $100 to $1,000 deductibles and 70% to 90% reimbursement rates, plus optional add-ons for 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 (intervertebral disc disease), which may delay emergency care coverage.