8 Best Pet Insurance of 2026

Embrace takes the top spot because its standard policy covers more than most rivals before you add anything. Dental illness such as periodontal disease, extractions and tooth resorption is covered up to $1,000 per policy year, and vet-supervised behavioral therapy plus rehab treatments like acupuncture, hydrotherapy and physical rehab are included. You set an annual deductible between $100 and $1,000, a 70%, 80% or 90% reimbursement rate, and an annual limit from $2K up to unlimited. Accidents are covered from the moment the policy takes effect, and the illness waiting period is two weeks. Embrace may also cover curable pre-existing conditions once a pet has gone 12 months without symptoms or treatment, which helps owners of pets with a past ear infection or UTI. The trade-offs are add-ons: exam fee coverage and prescription drug coverage cost extra, so the advertised premium does not include everything a typical vet visit bills.

Lemonade suits owners who want to handle everything in an app and pay as little as possible. A dog or cat policy starts at $10 a month, and Lemonade adds a 10% discount for bundling with its renters, home or car insurance, 5% for insuring several pets and 5% for paying annually. You choose 70%, 80% or 90% co-insurance and an annual limit between $5,000 and $100,000. Claims are filed in the app, and Lemonade says it pays 50% of eligible claims instantly. Preventative packages cover a wellness exam, up to 3 vaccines and, on higher tiers, a routine dental cleaning, with no deductible or waiting period. The base policy is narrower than Embrace or Pumpkin: vet visit fees and physical therapy are add-ons, pre-existing conditions are not covered, and orthopedic conditions such as cruciate ligament problems carry a 30-day waiting period. Claims must be filed within 180 days, or 90 days in Texas.

Pumpkin is the runner-up because it removes many of the add-ons other insurers charge for. In-office and virtual vet exam fees for accident and illness visits are covered, as are dental illness, behavioral issues and alternative therapies, with no extra monthly fee. Every pet from 8 weeks old, seniors included, can choose an 80% or 90% reimbursement rate and an annual limit from $5k to unlimited, and Pumpkin says it has no upper age limits or breed restrictions. Its single waiting period of 14 days or less applies to all conditions, including knee injuries and hip dysplasia, where several rivals impose longer orthopedic waits. For expensive emergencies, PumpkinNow can fast-track eligible claims over $500 and pay up to 90% in minutes. The drawbacks: Pumpkin does not offer a 70% rate for owners who want a cheaper premium, and its former Preventive Essentials add-on stopped selling on August 18, 2026, replaced by a separate Wellness Club membership.

Spot balances price and coverage better than most insurers on this list. Cat plans start at $9 a month and dog plans at $15 a month, though Spot notes the dog figure is based on an 80% reimbursement rate, a $500 deductible and a $2,500 annual limit for a 2-year-old small mixed breed. You can choose an accident-only plan or an accident and illness plan, then set the annual limit, deductible and a reimbursement rate of up to 90%. Hereditary, congenital and breed-specific conditions are covered with no breed exclusions, and behavioral modification is included. Spot says claims are reimbursed in 48 hours or less and take about 30 seconds to submit online. There is no upper age limit, no lifetime cap and a 30-day money back guarantee, and you can use any licensed vet in the US or Canada. Wellness exams, vaccines and dental cleanings need the paid wellness add-on.

MetLife Pet is the strongest pick for households with several animals and for people who can enroll through work. It sells one accident and illness plan and lets you tune it with a reimbursement rate of 50%, 70%, 80% or 90%, an annual benefit limit and a deductible anywhere from $0 to $750 in $50 steps, or $1,000 to $2,500 for a lower premium. If you do not receive a claim reimbursement in a policy year, the deductible drops by $50. Plans start at $7 a month for cats and $16 for dogs, and the example plans on its site run from $12 to $52 a month depending on limit and deductible. The Family Plan puts several pets on one policy, and employer enrollment can bring discounts. Exam fees for accidents and illnesses are covered, and MetLife says claims are typically processed within 5 days. Routine wellness needs the Preventive Care add-on.

Pets Best is the pick for owners who mainly want protection against accidents at the lowest fixed price. Its accident-only plans cost $9 a month for dogs and $6 a month for cats, or $10 and $7 in Washington, and cover injuries such as broken bones, swallowed objects, bite wounds and poisoning. Owners who want fuller cover can buy an accident and illness plan and choose the deductible, reimbursement rate and annual limit; Pets Best's own sales data put typical dog premiums at $36 to $58 a month and cats at $22 to $34. All plans include Direct Vet Pay, which lets Pets Best pay a participating vet directly, and a 24/7 pet helpline at no extra cost. There are no upper age limits, and you can visit any licensed vet in the US or Canada. Wellness add-ons cover routine exams, vaccines and dental cleanings. The cost averages are dated, so get a quote for current rates.

Figo stands out for owners who would rather pay a higher premium than share the bill. It is the only insurer we compared that lets you pick up to 100% reimbursement, and it does not cap payments per incident or condition. You choose one of three plans by annual limit: Essential at $5,000, Preferred at $10,000 or Ultimate with no annual limit, then set the deductible and reimbursement rate. Claims are filed in the Pet Cloud app, and Figo says most close in 3 working days on average, based on its 2025 claims data. Policyholders get free 24/7 Live Vet access, and curable pre-existing conditions may be covered after 12 months without signs or symptoms. Coverage applies at a licensed vet of your choice, worldwide. Exam fees and wellness care are sold as paid Powerups, and Figo does not publish a starting price, so you need a quote to compare it.

Trupanion works differently from every other insurer on this list. Instead of an annual deductible, you pay a deductible of $0 to $1,000 once per condition, and that condition stays covered for as long as you are a member, so a dog with diabetes or allergies does not restart the deductible every year. Trupanion pays 90% of covered costs with no payout limits, and it says it will not raise your rate just because your pet gets older. Its VetDirect Pay system lets more than 11,000 partner clinics in the US and Canada send claims and get paid at checkout, in about 5 minutes on average, so you only pay your 10% share. Hereditary and breed-specific conditions such as hip dysplasia and IVDD are covered. The trade-offs are cost and scope: Trupanion does not publish a starting price, there is only one 90% rate, and vet exam fees, taxes and wellness care are excluded.