2024 Pet Insurance Plans
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- Recommended by 97% of Vets
- No credit checks
Price Promise
You won't find the same plan for less
Our number one pick for pet insurance
Pets Best has a range of plans for any budget, and we really like the Elite plan as for just a little extra it'll cover vet exam fees as well as alternative therapies such as hydrotherapy and acupuncture. We are also big fans of their new claims process which means that if you have a CareCredit card you no longer need to pay covered vet bills up front - See how it works
- Vet exam fees are covered
- 24/7 pet telehealth line included
- 10% multi-pet discount
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BONUS! $25 Amazon gift card§ when you sign up with Spot pet insurance
Spot has a great selection of both annual coverage and deductible options. That means you can customize coverage levels so that you get a monthly premium that works for you.
- 24/7 pet telehealth line is included
- Behavioral and alternative therapies are covered
- No special waiting periods for cruciate ligament issues
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Lemonade is known for having some of the most competitive rates in the industry, but it does mean you’ll have to do without some features like a 24/7 vet helpline. Meanwhile, coverage of vet exam fees can only be bought as an add-on.
- Lower-than-average premiums
- 2-day waiting period for accident coverage
- Optional wellness plan can be added
- Live chat for pet health questions seven days a week, 6 a.m. to 12 a.m. ET.
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Consistently low pricing
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Vet exam fees included
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Rated excellent on Trustpilot
Fetch has some great features that are hard to find with other insurers, such as coverage for boarding/kennel fees if you are hospitalized for four or more days, up to $1,000. Despite limited annual coverage and longer waiting periods when compared to its competitors, Fetch is known for lower prices.
- Vet exam fees covered
- Optional wellness plan
- Covers advertising/reward fees up to $1,000 if your pet is lost or stolen
- If you have to cancel a vacation due to a sick pet, cancellation fees are covered
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BONUS! $25 Visa gift card† when you sign up with Embrace pet insurance
Embrace has a great way to save on accident and illness plans with its Healthy Pet Discount Program. If your claim reimbursements are lower than $300 per pet in the year before the discount period, you’ll get a 5% discount in year one and 10% in year two – per pet. The savings are automatically applied to your annual payment or monthly bill.
- 24/7 pet telehealth line
- 10% multi-pet discount
- Unlimited annual coverage
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Price Promise
We guarantee you won't buy the same plan for cheaper anywhere else. In the very unlikely event you do find the same plan for less, we'll refund you the difference upon proof of purchase and coverage.
More Top Rated Insurers
With 90% reimbursement, coverage for vet exam fees for accidents and illnesses, and a 10% multi-pet discount, Pumpkin has some noteworthy features. It’s a great plan for senior pets too.
- Optional Wellness plan
- 10% multi-pet discount
- No special waiting period for knee injuries or hip dysplasia
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Healthy Paws is highly rated because its unlimited annual coverage has a lower-than-average cost when compared to its competitors. It is, however, important to bear in mind that these plans do not cover vet exam fees, while pets who are enrolled after age 6 will not be covered for hip dysplasia.
- There is no annual coverage limit on payouts
- Up to 90% reimbursement
- Can pay the vet directly, but only if you submit a request to Healthy Paws prior to treatment
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Figo only has a 1-day waiting period for accident coverage, while offering a brilliant variety of options for annual coverage, reimbursement and deductibles. If you’re looking for an insurer whose plans can be tailored to an array of budgets, Figo is a strong option.
- 100% reimbursement option
- 24/7 pet telehealth line
- Optional Wellness plan
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Compare The Insurers
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| Best for... | Customer Rating | Annual coverage options | Reimbursement choices | Deductible choices | When does coverage start? | Maximum age at sign up | Vet exam fees included | Dental accidents coverage | Dental illnesses coverage | Wellness plan | Virtual vet/telehealth service | End of life coverage | Multi-pet discount | Charge for paying monthly | Is there an app to make claims? | ||
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Choice of deductibles |
5.0 
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$5,000, Unlimited | 70%, 80%, 90% | $50, $100, $200, $250, $500, $1,000 | 3 days accidents, 14 days illness | No maximum |  |
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Custom coverage options |
5.0
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$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 | 14 days | No maximum | |
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Best budget-friendly |
5.0
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$5,000, $10,000, $20,000, $50,000, $100,000 | 70%, 80%, 90% | $100, $250, $500, $750 | 2 days accidents, 14 days illness | 14 years |  |
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Boarding fees |
5.0
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$5,000, $10,000, Unlimited | 70%, 80%, 90% | $300, $500, $700 | 15 days | No maximum | |
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Range of benefits |
5.0
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$5,000, $8,000, $10,000, $15,000, Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 | 2 days accidents, 14 days illness | 14 years | |
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Senior pets |
4.5 
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$10,000, $20,000, Unlimited | 90% | $100, $250, $500, $1,000 | 14 days | No maximum | |
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Unlimited annual coverage |
4.5
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Unlimited | 50%, 60%, 70%, 80%, 90% (age & breed dependant) | $100, $250, $500, $750, $1,000 | 15 days | 14 years | |
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Wide range of coverage options |
3.5 
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$5,000, $10,000, Unlimited | 70%, 80%, 90%, $100 | $250, $500, $750 ($1,000 & $1,500 options added at 8 & 10 years) | 1 day accidents, 14 days illness | No maximum | |
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