Best Pet Insurance for Surgery

Lemonade ranks first for pet insurance covering surgery with top scores for affordability and customer experience. Lemonade offers annual limits up to $100,000 and processes claims digitally within minutes. Pets must be under 14 years old to enroll, and Lemonade operates in 41 states.

Lemonade ranks first for dog insurance affordability and second for cat insurance affordability among pet insurers covering surgery. Monthly premiums range from $9 to $101 based on your pet's type, age and coverage choices.

Lemonade ranks third for customer experience among pet insurers covering surgery. Lemonade has a 4 out of 5 Trustpilot rating and 72% positive Reddit sentiment, with 23 of 32 comments showing favorable experiences.

Lemonade offers accident and illness policies with annual limits from $5,000 to $100,000, deductibles from $100 to $750 and reimbursement rates between 60% and 90%. Orthopedic surgeries have a 30-day waiting period and other illnesses have 14 days, with coverage including diagnostics, procedures and medications. 

Pets must be under 14 years old to enroll. Lemonade excludes pre-existing non-chronic conditions unless your pet stays symptom- and treatment-free for 12 consecutive months.

Rainwalk ranks first for customer experience in our study, processing reimbursements within days. The insurer's responsive support and prompt claims handling consistently earn praise from policyholders.

Premiums run higher than competitors, and coverage isn't available in five states. Rainwalk covers previously treated conditions after your pet goes 180 consecutive days without symptoms. You also get 24/7 virtual vet access at no extra charge.

Monthly premiums range from $11 to $128. Rainwalk ranked 10th for dog insurance affordability and eighth for cats in our analysis. Your actual rate depends on your annual limit, deductible and reimbursement percentage.

Rainwalk earns a 4.6 out of 5 Trustpilot rating, with customers praising fast claims and responsive support. Reddit sentiment runs 71% positive across the seven comments we analyzed.

Policies include accident and illness coverage with $5,000 to $20,000 annual limits, $100 to $750 deductibles and 70% to 90% reimbursement rates. A 14-day waiting period applies to accidents, illnesses and surgical procedures.

Previously treated conditions become eligible after 180 consecutive symptom-free days. Coverage is available in 45 states with no upper age limit for enrollment.

AKC ranks first for coverage options among pet insurers covering surgery in our analysis. AKC's surgery coverage starts after a two-day waiting period for accidents and includes curable and incurable pre-existing conditions after 365 days of continuous enrollment. AKC has lower maximum annual limits than competitors, and premiums run higher.

AKC ranks ninth for both dog and cat insurance affordability, with monthly premiums between $14 and $235 based on your coverage limit, deductible and reimbursement rate.

AKC ranks third for customer experience with 86% positive Reddit sentiment from seven comments. AKC has a 2.9 out of 5 Trustpilot rating. Customers praise AKC's comprehensive coverage and responsive claims service.

AKC offers accident and illness policies with annual limits from $2,500 to $10,000, deductibles from $100 to $1,000 and reimbursement rates between 70% and 90%. Surgical coverage starts after two days for accidents and 14 days for illnesses. Cruciate ligament and IVDD (intervertebral disc disease) surgeries require a 180-day waiting period. AKC covers pre-existing conditions after a year of continuous enrollment and offers optional hereditary and breeding add-ons, covering pets of any age needing surgical treatment.