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Top pet insurance companies
Editorial Reviews, week of September 28, 2026
- 11Rank 117.1/10
MetLife Pet Insurance
Flexible accident and illness plans from a household name
- 13Rank 136.8/10
Hartville Pet Insurance
Complete coverage plans with optional preventive care
Pet insurance comparison chart
Every rated carrier side by side: CompareCove score, starting monthly price, annual limit, reimbursement choices, deductible choices and waiting periods.
| Rank | Carrier | Score | Starting price | Annual limit | Reimbursement | Deductible | Waiting periods |
|---|---|---|---|---|---|---|---|
| 1 | Lemonade | 8.3/10 | From $10/mo | Up to $100,000 | 70%-90% | $100-$750 | 2 days for injuries, 14 days for illnesses |
| 2 | Spot | 8.2/10 | Starting from $15/mo for dogs, Starting from $9/mo for cats | $2,500 to unlimited | 70%/80%/90% | $100-$1,000 | 14 days for accidents and illnesses |
| 3 | Embrace | 8.1/10 | from $16/mo | $5,000 to unlimited | 90% | $100-$1,000 | 2 days for accidents, 14 days for illnesses |
| 4 | Fetch | 8.1/10 | from $16/mo | $5,000 to unlimited | 70%/80%/90% | $100-$1,000 | 2 days for accidents, 14 days for illnesses |
| 5 | Pumpkin | 8.1/10 | from $20/mo | $5,000 to unlimited | 80% or 90% | $100 - $1,000 | 14 days for all conditions, even knee injuries and hip dysplasia |
| 6 | Pets Best | 7.7/10 | from $6/mo for cats and $9/mo for dogs | $5,000 to unlimited | up to 90% | $100-$1,000 | varies by state and type of coverage |
| 7 | Healthy Paws | 7.4/10 | from $22/mo | no payout limits | up to 90% | $100-$1,000 | 15 days for accidents and illnesses |
| 8 | Nationwide | 7.3/10 | $12/mo.* | $5,000 in accident coverage | 90% | $100 to $250 | 1-14 days for all coverage. |
| 9 | Trupanion | 7.2/10 | from $30/mo | no annual limits | 90% | $0-$1,000 | 5 days for injuries, 30 days for illnesses |
| 10 | Figo | 7.1/10 | from $16/mo | $5,000 or unlimited | 80% | $100-$1,500 | 1 day for accidents, 14 days for illnesses |
| 11 | MetLife Pet Insurance | 7.1/10 | $16/mo | $2,000 to $10,000 | 80% | $250-$2,500 | 2 days for accidents, 14 days for illnesses |
| 12 | ASPCA Pet Health Insurance | 6.9/10 | from $20/mo | $3,000-$10,000 or unlimited | 80%/90% | $100-$500 | 2 days for accidents, 14 days for illnesses |
| 13 | Hartville Pet Insurance | 6.8/10 | from $18/mo | $5,000 to unlimited | 70% / 80% / 90% | $100 - $500 | 14 days for accidents and illnesses |
| 14 | Prudent Pet | 6.5/10 | from $15/mo | $10,000 to unlimited | 70% / 80% / 90% | $100 - $1,000 | 5 days for accidents, 14 days for illnesses, 6 months for cruciate conditions |
| 15 | Pawp | 4.9/10 | $24/mo flat | $3,000 emergency fund per year | Emergency fund payout up to $3,000 | No deductible | Emergency fund available after 14 days |
| 16 | Pet Assure | 4.3/10 | From $11.95/mo | No annual cap on discounts | 25% off in-house vet services | No deductible | No waiting period |
| 17 | AKC Pet Insurance | 2.6/10 | from $20/mo | up to $10,000 | 20% | $500 | 365 days for pre-existing conditions, 180 days for IVDD |
What vet bills actually cost
These are typical US treatment ranges. With an 80% reimbursement rate and a $250 deductible, a $4,000 bill usually comes back to you at roughly $3,000.
| Treatment | Pet | Typical cost |
|---|---|---|
| Emergency surgery (foreign body removal)Dog | Dog | $3,000 – $7,000 |
| Torn cruciate ligament repair (TPLO)Dog | Dog | $3,600 – $4,300 |
| Cancer treatment with chemotherapyDog or cat | Dog or cat | $3,200 – $8,000 |
| Urinary blockage treatmentCat | Cat | $1,500 – $3,000 |
| Hip dysplasia surgeryDog | Dog | $3,500 – $7,000 |
| Diabetes diagnosis and first year of careCat | Cat | $1,200 – $2,500 |
| Emergency exam, imaging and overnight stayExotic pet | Exotic pet | $1,200 – $3,800 |
| Beak, wing or shell repairBird or reptile | Bird or reptile | $400 – $1,500 |