Key Takeaways:
- Peace of Mind for Pet Owners: Pet insurance helps cover surprise vet bills — from injuries to emergencies — saving you thousands when it matters most.
- We Do the Research for You: Tell us about your pet — we’ll compare top providers and help you find the best plan for your needs and budget.
- How We Rate Plans: We assess real quotes, customer reviews, coverage options, and vet insights to recommend the most trusted insurance out there.
- Routine Care: Add a Wellness Plan to catch small issues early, saving money and stress down the line.
Top Choice for Competitively Priced, Comprehensive Pet Insurance:
Pumpkin Pet Insurance
Pumpkin is a pet insurance agency and healthcare company launched by Zoetis, a leading name in the veterinary community. Pumpkin offers customizable accident and illness plans with up to 90% reimbursement. These plans cover alternative therapies, behavioral issues, hereditary conditions, exam fees, and dental work, with an optional add-on for preventative care.
- Top-Rated Coverage
- Backed by Zoetis
- Straightforward Policies
4.9/5 Stars
$61/mo
90%
$5k-Unlimited
“Nose to Tail” with Base Plan and Add-On Coverages
Customizable Plan Options
Pumpkin pet insurance provides only accident and illness plans, allowing customization of your pet’s annual limit and deductible, while maintaining up to a 90% reimbursement rate. The sole add-on available is preventative care plans for dogs, cats, puppies, and kittens.
Accident& Illness (Base Plan)
- ✓ Accidents & Illnesses
- ✓ Diagnostics, only for preventative care without an occurrence
- ✓ Laboratory Procedures, only for preventative care without an occurrence
- ✓ Procedures
- ✓ Surgery & Hospitalization
- ✓ Dental Illness & Injury
- ✓ Behavioral Conditions
- ✓ Holistic & Alternative Treatments
- ✓ Prescription Medication
- ✓ Prescription Food
- ✓ Prescription Supplements, only to treat a covered condition, not for general health maintenance or prevention, even if prescribed / dispensed by a veterinarian
- ✓ Physical Therapy
- ✓ Vet Exam Fees
- ✓ End of Life and Remembrance
Preventive Essentials (Add-on)
- ✓ Vaccines (2 per year for dogs, 1 per year for cats)
- ✓ Annual wellness exam
- ✓ Blood test (for dogs only)
- ✓ Fecal test
- * Not marketed or available for purchase in all states, including ME, MT, RI & WA. Non-insurance wellness offerings.
- ✗ Holistic and Alternative Treatments
- ✗ Cosmetic or elective procedures
- ✗ Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or
crown amputation, fillings, implants and root canals or planing - ✗ Prescription foods for general health
- ✗ Obedience training or puppy classes
- ✗ Breeding, nursing, or whelping
- ✗ Lost pet advertising and reward
- ✗ Pre-existing conditions
- ✗ No accident-only plan
- ✗ No mobile app
Top Choice for Budget-Friendly & Highly Customizable Pet Insurance
Lemonade Pet Insurance
Lemonade is our top-rated pet insurance provider, praised for its innovation, technology, and competitive pricing. It offers a flexible pricing structure and transparent policies, with additional appeal through its charity give-back efforts.
- Affordable and flexible pricing options
- Up to $100k annual coverage
- Easy claims process
4.9/5 Stars
“Nose to Tail” with Base Plan and Add-On Coverages
Customizable Plan Options
Lemonade offers a base accident and illness plan that covers unexpected health issues and treatments for pets, ensuring comprehensive protection when needed most. With three optional wellness plans, including one for puppies and kittens, and a variety of add-ons such as vet visit fees, physical therapy, behavioral conditions, dental illness, and end-of-life costs, Lemonade allows customers to tailor their coverage with additional add-on coverages. This flexible structure ensures that pet owners only pay for what they need, making it a highly affordable option without compromising on essential care.
Accident & Illness (Base Plan)
- ✓ Accidents & Illnesses
- ✓ Diagnostics
- ✓ Procedures
- ✓ Medications & Supplements
- ✓ Surgery & Hospitalization
- ✓ Dental Injuries
Preventive Care Plan (Add-On)
- ✓ Wellness Exam
- ✓ Vaccines or Boosters
- ✓ Parasite Tests
- ✓ Heartworm Test
- ✓ Blood Test
- ✓ Spay or Neuter Surgery
- ✓ Microchipping
- ✓ Flea, Tick, or Heartworm Meds
- ✓ Dental Cleaning
Add-on Coverages
- ✓ Vet Exam Fees (Highly Recommended)
- ✓ Physical Therapy (Highly Recommended)
- ✓ Behavior Conditions
- ✓ Dental Illness
- ✓ End of Life and Remembrance
✗ Pre-existing conditions
✗ Elective cosmetic procedures
✗ Grooming and nail trims
✗ Spay/neuter for pets over 2 years old
✗ May enforce an upper age limit for enrollment, depending on the breed
✗ Add-ons required to obtain coverage that some other providers offer as standard
Customizable Coverage for All Budgets
Odie Pet Insurance
Odie provides affordable, customizable plans with comprehensive coverage, making it an excellent option for budget-conscious pet parents. Despite being new and lacking a mobile app, Odie's add-ons and services are on par with top providers. However, limited customer reviews mean it's wise to compare quotes from multiple insurers to ensure the best fit for your pet.
- Highly Affordable
- Flexibile Coverage
- Tech-Forward
4.1/5 Stars
“Nose to Tail” with Base Plan and Add-On Coverages
Customizable Plan Options
Embrace offers accident and illness policies covering veterinary exams, diagnostics, and treatments for accidents, injuries, chronic diseases, genetic conditions, and acute illnesses. They also provide accident-only coverage and a wellness rewards program for preventive care. Pre-existing conditions are excluded unless curable, with coverage possible after 12 months without symptoms, and conditions arising during waiting periods are considered pre-existing.
Accident& Illness (Base Plan)
- ✓ Accidents & Illnesses
- ✓ Diagnostics
- ✓ Procedures
- ✓ Surgery & Hospitalization
- ✓ Dental Illness & Injury
- ✓ Behavioral Conditions
- ✓ Holistic & Alternative Treatments
- ✓ Prescription Medication
- ✓ Physical Therapy
- ✓ Vet Exam Fees
- ✓ End of Life and Remembrance
Wellness Rewards (Add-on)
- Use rewards towards preventive services such as:
- ✓ Wellness Exams and Vaccinations
- ✓ Flea, Tick, and Heartworm Prevention
- ✓ Routine Gland Expression
- ✓ Grooming, Medicated Shampoos, Toenail Trimming, and Training
- ✓ Cremation, Burial, and More
- ✓ Spay/Neuter and Microchipping
- ✓ Blood and Fecal Tests
- ✓ Preventative Dental Cleaning
- ✓ Alternative Treatments, Nutritional Supplements and Prescription Diet Food
- ✗ Pregnancy, Breeding, and Nursing/Whelping
- ✗ Organ Transplants
- ✗ Guarding Duties, Racing, and Fighting
- ✗ Neglect
- ✗ Genetic Testing, DNA Testing, or Cloning
- ✗ Supplements and Several Alternative/Holistic Therapies
- ✗ Lost Pet Advertising and Rewards
- ✗ Vacation Cancellation Costs
- ✗ Obedience Training and Cosmetic Procedures
- ✗ Routine Care (unless added to policy)
- ✗ Pre-existing Conditions
- ✗ Pricing is slightly above average compared to competitors
- ✗ May deny or cancel coverage if your pet does not receive a veterinary exam within 12 months before or 14 days after enrollment
- ✗ Requires a specialized exam to waive the six-month orthopedic waiting period
- ✗ Accident & Illness coverage is not available for senior pets ages 15+ enrolling in a new plan
- ✗ 6-month waiting period before orthopedic conditions are covered (unless a waiver is completed)
Runner Up for Broad Coverage Pet Insurance:
Fetch Pet Insurance
Fetch offers comprehensive pet insurance with base coverage for vet visits, behavioral treatments, alternative medicine, and more. It is an excellent choice for pet owners seeking extensive treatment options under one comprehensive plan.
- Comprehensive Base Plan
- Covers Alternative Treatments
- Up to 90% Reimbursement
4.5/5 Stars
“Nose to Tail” with Base Plan and Add-On Coverages
Customizable Plan Options
Fetch offers a streamlined sign-up process with one plan and one coverage add-on. You can quickly request a quote on their website and customize the coverage by adjusting the annual limit, deductible, and reimbursement percentage. Fetch claims to provide the most comprehensive accident and illness plan on the market, though it excludes pre-existing conditions, breeding costs, elective procedures, cosmetic surgeries, and certain conditions within the first six months. Notably, therapies not administered by a veterinarian and costs beyond “reasonable” amounts are also excluded.
Accident & Illness (Base Plan)
- ✓ Accidents & Illnesses
- ✓ Diagnostics
- ✓ Procedures
- ✓ Medications & Supplements
- ✓ Surgery & Hospitalization
- ✓ Alternative Treatments
- ✓ Dental Injuries
- ✓ Vet Exam Fees
Preventative Care (Add-on)
- ✓ Annual Exam
- ✓ Vaccines or Boosters
- ✓ Heartworm, Flea and Tick Prevention
- ✓ Heartworm Test
- ✓ Dental Cleaning
- ✓ Spaying or Neutering
- ✓ Blood Test
- ✓ Urinalysis
- ✓ Fecal Test
- ✓ Microchipping
- ✓ Anal Gland Expression
- ✓ Behavioral Exam
- ✓ Health Certificate
- ✓ Activity Monitor
✗ Elective cosmetic procedures
✗ Grooming and nail trims
✗ Spay/neuter for pets over 2 years old
✗ Non-prescription food or supplements
✗ Anal gland expression
✗ Restrictions on recurring activities that cause multiple incidents
✗ Mandates yearly health and dental check-ups along with prescribed preventive medication
✗ Premiums rise with the pet’s age and claims history
✗ Requires several documents for claims processing
✗ Limited customization options and plan types compared to other providers
Most Affordable and Ideal for Pet Owners Seeking Full Reimbursement
Figo Pet Insurance
Figo is recognized for offering the most flexible reimbursement rates among pet insurance providers. Available nationwide for both dogs and cats, Figo excels in cost, plan types, customization, waiting periods, and eligible age categories. Unlike other providers, Figo offers a 100% reimbursement rate for plans with a deductible over $500, along with unlimited annual coverage limits and customizable plans tailored to your pet's unique needs.
- Highly Affordable
- Up to 100% Reimbursement
- Highly Customizable
4.3/5 Stars
“Nose to Tail” with Base Plan and Add-On Coverages
Customizable Plan Options
Figo pet insurance offers customizable accident and illness plans, with optional add-ons for wellness and vet exam fee coverage to suit your pet’s specific needs. With three tiers of coverage and the ability to adjust deductibles and reimbursement rates, Figo ensures you only pay for what you need. Additionally, Figo provides a 5% discount for insuring multiple pets, making it a flexible and budget-friendly option in the pet insurance industry.
Accident& Illness (Base Plan)
- ✓ Accidents & Illnesses
- ✓ Diagnostics
- ✓ Procedures
- ✓ Surgery & Hospitalization
- ✓ Dental Illness & Injury
- ✓ Behavioral Conditions
- ✓ Holistic & Alternative Treatments
Wellness Coverage (Add-on)
- ✓ Wellness exams
- ✓ Vaccines
- ✓ Spay, neuter or teeth cleaning
- ✓ Tests (blood panel, fecal, heartworm, urinalysis, FeLV)
- ✓ Microchip or health certificate
- ✓ Deworming
Add-on Coverages
- ✓ Vet Exam Fees (Highly Recommended)
- ✓ Physical Therapy (Highly Recommended)
- ✗ Pre-existing Conditions
- ✗ Experimental Procedures
- ✗ Breeding, Pregnancy, or Giving Birth
- ✗ Cloned Pets or Cloning Procedures
- ✗ Cosmetic Surgery
- ✗ Bilateral Conditions
- ✗ Vitamins or Supplements
- ✗ Obedience Training
- ✗ Boarding Fees due to Owner Hospitalization
- ✗ Cosmetic or Elective Procedures
- ✗ DNA Testing or Cloning
- ✗ Increases your premium as your pet ages
- ✗ Deductible options depend on your pet’s age
- ✗ Does not cover spay and neuter procedures
- ✗ Preventable conditions are not covered
- ✗ Does not offer Vet Direct Pay
Embrace Pet Insurance
Embrace Pet Insurance has an excellent reputation, offering comprehensive coverage and multiple stackable discounts that can reduce monthly costs by up to 25%. It provides responsive service with a user-friendly website and app for quotes, sign-ups, and claims reviewed by veterinary professionals. Despite higher premiums in some states and complex policy documents, Embrace remains a top choice for quality pet insurance, covering various veterinary services and preventive care.
- Bundle Discounts Available
- Wellness Rewards Program
- Long-Standing Reputation
4.2/5 Stars
“Nose to Tail” with Base Plan and Add-On Coverages
Customizable Plan Options
Embrace offers accident and illness policies covering diagnostics and treatments for accidents, injuries, chronic diseases, genetic conditions, and acute illnesses. They also provide accident-only coverage and a wellness rewards program for preventive care. Pre-existing conditions are excluded unless curable, with coverage possible after 12 months without symptoms, and conditions arising during waiting periods are considered pre-existing.
Accident& Illness (Base Plan)
- ✓ Accidents & Illnesses
- ✓ Diagnostics
- ✓ Procedures
- ✓ Surgery & Hospitalization
- ✓ Dental Illness & Injury
- ✓ Behavioral Conditions
- ✓ Holistic & Alternative Treatments
- ✓ Physical Therapy
- ✓ End of Life
Wellness Rewards (Add-on)
- Use rewards towards preventive services such as:
- ✓ Wellness Exams and Vaccinations
- ✓ Flea, Tick, and Heartworm Prevention
- ✓ Routine Gland Expression
- ✓ Grooming, Medicated Shampoos, Toenail Trimming, and Training
- ✓ Cremation, Burial, and More
- ✓ Spay/Neuter and Microchipping
- ✓ Blood and Fecal Tests
- ✓ Preventative Dental Cleaning
- ✓ Complementary Therapies (Alternative Treatments), Nutritional Supplements and Prescription Diet Food
Add-on Coverages
- ✓ Vet Exam Fees (Highly Recommended)
- ✓ Prescription Medication (Highly Recommended)
- ✗ Pregnancy, Breeding, and Nursing/Whelping
- ✗ Organ Transplants
- ✗ Guarding Duties, Racing, and Fighting
- ✗ Neglect
- ✗ Genetic Testing, DNA Testing, or Cloning
- ✗ Supplements and Several Alternative/Holistic Therapies
- ✗ Lost Pet Advertising and Rewards
- ✗ Vacation Cancellation Costs
- ✗ Obedience Training and Cosmetic Procedures
- ✗ Routine Care (unless added to policy)
- ✗ Pre-existing Conditions
- ✗ Pricing is slightly above average compared to competitors
- ✗ May deny or cancel coverage if your pet does not receive a veterinary exam within 12 months before or 14 days after enrollment
- ✗ Accident & Illness coverage is not available for senior pets ages 15+ enrolling in a new plan
- ✗ 6-month waiting period before orthopedic conditions are covered.