Pet Insurance Comparison
Compare pet insurance plans
Every major US pet insurer, side by side — what they charge, what they reimburse, and what they quietly exclude. No login, no email required.
Find your best 3 in 30 seconds
All 8 insurers side by side
Ranges are typical premiums for a healthy adult pet and vary by breed, age, and ZIP code.
Trupanion4.6
Best for chronic conditions
- Typical / mo
- $55–$120
- Reimbursement
- 90% (fixed)
- Deductible
- Per-condition, $0–$1,000
- Annual limit
- Unlimited
- Waiting periods
- 5 days accident, 30 days illness
Exam feesDental illnessHereditaryWellness add-on
Healthy Paws4.4
Best for fast claims
- Typical / mo
- $40–$95
- Reimbursement
- 70–80%
- Deductible
- Annual, $100–$1,000
- Annual limit
- Unlimited
- Waiting periods
- 15 days accident & illness
Exam feesDental illnessHereditaryWellness add-on
Lemonade4.3
Lowest premium
- Typical / mo
- $20–$55
- Reimbursement
- 70–90%
- Deductible
- Annual, $100–$500
- Annual limit
- $5,000–$100,000
- Waiting periods
- 2 days accident, 14 days illness
Exam feesDental illnessHereditaryWellness add-on
Embrace4.4
Best all-rounder
- Typical / mo
- $35–$85
- Reimbursement
- 70–90%
- Deductible
- Annual, $200–$1,000
- Annual limit
- $5,000–unlimited
- Waiting periods
- 2 days accident, 14 days illness
Exam feesDental illnessHereditaryWellness add-on
Nationwide3.9
Best for exotic pets
- Typical / mo
- $35–$90
- Reimbursement
- 50–90%
- Deductible
- Annual, $250
- Annual limit
- $10,000+
- Waiting periods
- 14 days
Exam feesDental illnessHereditaryWellness add-on
Pets Best4.2
Best value
- Typical / mo
- $25–$70
- Reimbursement
- 70–90%
- Deductible
- Annual, $50–$1,000
- Annual limit
- $5,000–unlimited
- Waiting periods
- 3 days accident, 14 days illness
Exam feesDental illnessHereditaryWellness add-on
ASPCA4.0
Best for pre-existing clarity
- Typical / mo
- $30–$80
- Reimbursement
- 70–90%
- Deductible
- Annual, $100–$500
- Annual limit
- $3,000–$10,000
- Waiting periods
- 14 days
Exam feesDental illnessHereditaryWellness add-on
Spot4.1
Best for older pets
- Typical / mo
- $30–$85
- Reimbursement
- 70–90%
- Deductible
- Annual, $100–$1,000
- Annual limit
- $2,500–unlimited
- Waiting periods
- 14 days
Exam feesDental illnessHereditaryWellness add-on
| Insurer | Typical / mo | Reimbursement | Deductible | Annual limit | Waiting periods | Exam fees | Dental illness | Hereditary | Wellness add-on | |
|---|---|---|---|---|---|---|---|---|---|---|
Trupanion 4.6Best for chronic conditions | $55–$120 | 90% (fixed) | Per-condition, $0–$1,000 | Unlimited | 5 days accident, 30 days illness | Get a quote | ||||
Healthy Paws 4.4Best for fast claims | $40–$95 | 70–80% | Annual, $100–$1,000 | Unlimited | 15 days accident & illness | Get a quote | ||||
Lemonade 4.3Lowest premium | $20–$55 | 70–90% | Annual, $100–$500 | $5,000–$100,000 | 2 days accident, 14 days illness | Get a quote | ||||
Embrace 4.4Best all-rounder | $35–$85 | 70–90% | Annual, $200–$1,000 | $5,000–unlimited | 2 days accident, 14 days illness | Get a quote | ||||
Nationwide 3.9Best for exotic pets | $35–$90 | 50–90% | Annual, $250 | $10,000+ | 14 days | Get a quote | ||||
Pets Best 4.2Best value | $25–$70 | 70–90% | Annual, $50–$1,000 | $5,000–unlimited | 3 days accident, 14 days illness | Get a quote | ||||
ASPCA 4.0Best for pre-existing clarity | $30–$80 | 70–90% | Annual, $100–$500 | $3,000–$10,000 | 14 days | Get a quote | ||||
Spot 4.1Best for older pets | $30–$85 | 70–90% | Annual, $100–$1,000 | $2,500–unlimited | 14 days | Get a quote |
In-depth reviews
How the PawAide Report Score works
Each insurer is scored out of 5 on coverage breadth, payout structure, price for value, exclusion fairness, and claim experience. We earn a commission if you enroll through our links — it never changes your premium, and it never changes a score. Always confirm terms in the policy document, which varies by state.