1 Lemonade
(1,160 reviews)
- Sign up for coverage in seconds
- Covers accident, illness, and even routine care
- Many claims paid in minutes
- 96% of users would recommend to a friend
- Great coverage starts at just $10/mo
2 Spot Pet Insurance
(4,011 reviews)
- Offers accident and illness plans
- Visit any U.S. licensed veterinarian
- Recommended by Cesar Millan
- Ability to select deductibles & annual limits
- 24/7 whiskerDocs vet helpline
- Free quote available online
3 Pumpkin
(3,088 reviews)
- Voted “Best for Comprehensive Coverage” by Business Insider
- Easy chart allows you to compare Pumpkin with competitors’ plans
- Preventive Care option covers 100% of an annual wellness exam, vaccines, and key tests
- No upper age limit and always 90% reimbursement rate
- Coverage for key conditions excluded by some insurance providers
- Fast and easy online claims processing
4 PAWP
(3,829 reviews)
- Covers all pet medical emergencies
- Visit any licensed vet in the USA
- $3,000 yearly paid directly to your vet
- Up to 6 pets under one single plan
- No exclusions for pre-existing conditions
- 24/7 unlimited access to a team of veterinarians
5 Prudent Pet
(3,834 reviews)
- Rated the #1 pet insurance company on Trustpilot
- Unlimited 24/7 live vet chat for all plans
- AI-powered claims technology is lightning fast
- 5-Day waiting period for accident-only policies
- As low as $100 deductible & up to unlimited annual limits
- Ability to use any licensed veterinarian
- 30-day money-back guarantee
6 TrustedPals
(2,572 reviews)
- Offers accident, illness, dental & wellness plans
- Allows you to visit any licensed vet
- May cover cured pre-existing conditions
- Customizable plans designed to fit your budget
- Protects all breeds of all ages
- Plan starting at just $20/mo
7 Toto Pet Insurance
(1,588 reviews)
- Accident, illness, dental, and preventative plans
- Visit any licensed vet in the USA or Canada
- Donates to charities yearly via Toto Cares Program
- No lifetime limits
- Plans start at around $1 per day
- 30-day money-back guarantee
8 Eusoh
(2,728 reviews)
- Accident, illness, and preventative plans
- Community-based subscription service
- Alternative to traditional insurance
- Never pay more than $65/month
- Up to 80% reimbursement of covered costs
- 30-day money-back guarantee
9 ASPCA
(2,879 reviews)
- Accident, illness, dental, and preventative plans
- Up to 90% reimbursement of covered costs
- Freedom to visit any vet—even specialists
- No exam required for enrollment
- 30-day money-back guarantee
10 Petplan
(2,610 reviews)
- Accident, illness, dental, preventative, and holistic coverage
- Community-based subscription service
- Alternative to traditional insurance
- Save an average of $50-$250 per visit
- 24/7 customer support
- 30-day money-back guarantee
11 PetFirst
(3,938 reviews)
- Accident, illness, and preventative plans
- Visit any U.S. licensed vet facility
- Underwriting by MetLife
- Up to 80% reimbursement for covered costs
- High $10,000 annual limit
- 30-day money-back guarantee