Independent · US market · 11 insurers tracked
Compare pet insurance plans, prices, and coverage
Real, dated quotes for identical pet profiles across the 11 major US insurers, scored on a public method. Choose the right plan for your dog or cat, at a price you can verify.
117 quotes · 11 insurers · identical pet profiles
Every number is checked against primary sources
- NAICcomplaint index
- State DOIrate filings
- AVMAvet cost data
- Policy documentsall 11 insurers
The comparison
All 11 insurers, side by side
Disclosure: We earn a commission when you buy through our links. You pay the same state-filed rate as buying direct, and commissions never change a score. How we collect and score quotes.
| # | Insurer | Score | Best for | Sample price | Reimbursement | Annual limit | |
|---|---|---|---|---|---|---|---|
| 1 |  Lemonade | 8.8 | Young, healthy pets on a budget | $30.00/mo | 60 to 90 percent | $5,000 to $100,000 | View plans |
| 2 |  Embrace | 8.7 | Claim-free pets (advertised yearly deductible drop) | $39.00/mo | 70 to 90 percent | $2,000 to unlimited | View plans |
| 3 |  Figo | 8.6 | Zero coinsurance (100 percent option) | $30.00/mo | 70 to 100 percent | $5,000 to unlimited | View plans |
| 4 |  Pumpkin | 8.5 | Pets that age or breed rules block elsewhere | $32.00/mo | 80 or 90 percent | $5,000 to unlimited | View plans |
| 5 |  Fetch | 8.4 | Fast payouts, US + Canada vets | $27.00/mo | 70 to 90 percent | $5,000 to unlimited | View plans |
| 6 |  ASPCA Pet Health Insurance | 8.4 | Accident-only fallback, friendly lookbacks | $39.00/mo | 70 to 90 percent | $2,500 to unlimited | View plans |
| 7 |  MetLife | 8.0 | Employer benefits, multi-pet families | $53.00/mo | 50 to 90 percent | $500 to unlimited | View plans |
| 8 |  AKC Pet Insurance | 8.0 | The only pre-existing pathway | $36.00/mo | 70 to 90 percent | $2,500 to unlimited | View plans |
| 9 |  Liberty Mutual | 7.0 | Bundling with home or auto | $63.00/mo | 70 to 90 percent | $5,000 to $15,000 | View plans |
| 10 |  Odie | 5.8 | Modular budget builds | $119.00/mo | 70 to 90 percent | Up to $40,000 | View plans |
| 11 |  Trupanion | 4.9 | Chronic conditions and big bills | $168.00/mo | 90 percent | Unlimited | View plans |
Ranks re-sort each quarter when quotes refresh. Every row links to a signed review with the coverage map and fine print. Read the full ranked comparison.
Shortcuts
Find your match by situation
- Dog owner
- Cat owner
- New puppy
- New kitten
- Senior dog (8+)
- Senior cat
- Tight budget
- Pre-existing condition
- Need coverage fast
- Dental coverage focus
- Routine care included
- Two or more pets
- Accident-only protection
- No payout caps
- Vet paid directly
- Indoor cat question
- French Bulldog
- Rabbit, bird, or exotic
Before you buy
Understand what you're buying
How pet insurance works
Deductible, reimbursement, limits, waiting periods, and claims, with the math at every step.
Read the guide →Is it worth it?
The break-even math, the odds you'll use it, and the honest cases for skipping it.
Read the guide →Pre-existing conditions
What counts, how insurers check, and the four real options that remain.
Read the guide →Real-Quote Pricing
Every price is a dated quote for a defined pet profile. The collection month is stamped next to it.
Same price as direct
Rates are filed with state regulators, so buying through our links never costs more.
Scores no one can buy
Rankings compute from published weighted criteria. Commissions never edit a score.
Questions