The Best Pet Insurance of 2024

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Our number one pick for pet insurance

PETS BEST PETS BEST
Best combination of coverage and pricing - plus a new way to pay claims
Excellent 5.0
5 star
  • Over 750,000 pets covered
  • 24/7 pet helpline
  • $5k or Unlimited coverage
Excellent 5.0
5 star
Price 5 star
Pets Best offers one of the lowest deductibles in the industry - just $50. There are five more options, with the highest being $1,000 - a great variety to suit all budgets. A 5% multi-pet discount is also offered.
Coverage 4.5 star
There are just two annual coverage options to choose from here - $5,000 and Unlimited, however Pets Best do offer three different plans for each annual coverage amount so consumers can pick an option that best suits their pet’s needs.
Reviews 4.5 star
Customers of Pets Best have praised their claims process and the speed of reimbursement on Trustpilot, giving them a score of 4.0.

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

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CAREPLUS CAREPLUS
Rated 4.7 on Trustpilot (5,054 reviews)
Excellent 5.0
5 star
  • No upper age limits
  • 24/7 pet telehealth
  • No extended wait periods
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Excellent 5.0
5 star
Price 4.5 star
As well as a range of coverage options, Spot offers a low $100 deductible and a 10% multi-pet discount.
Coverage 5 star
Spot’s range of annual coverage is incredibly comprehensive, starting at just $2,500 and going up to Unlimited. Whatever your budget, you can find great coverage with Spot.
Reviews 4.5 star
Spot gets a 4.7 star rating on Trustpilot, with 82% of consumers rating them 5 stars. Only 6% gave them a 1-star rating.

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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StateFarm StateFarm
Trupanion can pay your vet bills directly
Excellent 5.0
5 star
  • Direct payments to vets
  • Unlimited lifetime payouts
  • Over 1 million pets insured
Excellent 5.0
5 star
Price 5 star
The majority of pet insurance companies have annual deductibles, which means you could end up paying a deductible many times for the same condition. Trupanion’s lifetime-per-condition deductibles mean you’ll only pay it once per chronic condition. Their deductibles range from $0 to $1,000. 
Coverage 4.5 star
Unlike many insurers, who will have several annual coverage options and a choice of reimbursement levels, Trupanion only offers Unlimited lifetime payouts and 90% coverage in most states.
Reviews 4.5 star
Trupanion is rated 4-star on Trustpilot from nearly 7,500 reviews, with 78% of pet parents rating the company 5 stars. 

State Farm, a respected company that has been around with over 100 years, has teamed up with Trupanion because of their experience in the industry. With over 1 million pets insured and over $3 billion in claims paid, Trupanion’s competitive product is worth considering for your pet. Trupanion's Vet Direct Pay software allows the vet to be paid directly before you leave the vet office, meaning you don't have to find the money up-front and then wait for the insurance company to pay it back for covered conditions (less your deductible and copay).

  • Unlimited lifetime payouts
  • 90% coverage in most states
  • No special waiting periods for specific conditions
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LEMONADE LEMONADE
Lemonade
Excellent 5.0
5 star
  • Multi-pet discount
  • Fast AI-powered claims
  • Optional Wellness coverage
Excellent 5.0
5.0 star
Price 5 star
A great range of deductibles starting nice and low at $100. Lemonade offers discounts for multiple pets as well as insurance bundles. Their monthly policy prices are extremely competitive as well.
Coverage 4 star
Although Lemonade doesn’t offer unlimited annual cover, their range of coverage options start from $5,000 and go up to a huge $100,000.
Reviews 4.5 star
Lemonade’s simple, easy claims process is mentioned numerous times in their Trustpilot reviews, with 82% of reviewers awarding a 5-star rating. Their overall score is 4.4.

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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CAREPLUS CAREPLUS
Comprehensive Dental coverage as standard
Excellent 5.0
5 star
  • Consistently low pricing
  • Vet exam fees included
  • Rated excellent on Trustpilot
Excellent 5.0
5 star
Price 5 star
Relatively low deductible options varying from $300 to $700. Fetch covers the cost of vet exam fees, unlike some other insurers.
Coverage 4.5 star
Choose from three annual coverage options, ranging from $5,000 to $15,000, suitable for various budgets. However, they may not provide sufficient coverage for long-term illnesses like cancer.
Reviews 4.5 star
Rated Excellent on Trustpilot with a score of 4.3, 77% of reviewers gave Fetch 5-star reviews.

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

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embrace embrace
Curable pre-existing conditions covered
Excellent 5.0
5 star
  • Unlimited annual coverage
  • Use any vet in the USA
  • 5-Star rated by Forbes
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Excellent 5.0
5 star
Price 5 star
Deductible choices for every budget and a 10% multi-pet discount are just some of the wallet-friendly features of Embrace.
Coverage 4.5 star
Starting at $5,000 annual coverage and going up to Unlimited, Embrace has options to suit every budget here.
Reviews 5 star
Customers are generally very satisfied with Embrace, with a 4.1 star rating on Trustpilot and 74% of users giving them 5 stars.

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

PUMPKIN PUMPKIN
Pumpkin
Very Good 4.5
5 star
  • 90% vet bill reimbursement
  • Covers hereditary conditions
  • Includes exam fees
Very Good 4.5
5 star
Price 4 star
Pumpkin offers 90% reimbursement as standard. Their deductible options start as low as $100, and they offer a 10% discount when insuring multiple pets.
Coverage 4.5 star
The annual coverage options here are $10,000, $20,000 or Unlimited - a good range to suit most budgets and pets’ needs.
Reviews 4 star
On Trustpilot Pumpkin’s consumers have complimented the speed of their claims processing as well as their excellent customer service. 83% of reviews are 5 stars, giving them a rating of 4.6.

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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Healthypaws Healthypaws
625,000+ pets insured 1,000+ 5-Star Google reviews
Very Good 4.5
5 star
  • #1 customer rated for 7 years
  • No enrollment fees
  • Unlimited annual coverage
Very Good 4.5
5 star
Price 4 star
Healthy Paws has an excellent range of deductibles and reimbursement options to suit every budget.
Coverage 4 star
This insurer only offers Unlimited annual coverage. That’s a great option, but maybe not for everyone’s budget.
Reviews 5 star
Healthy Paws has been Number 1 customer-rated for 7 years, with speed of claims something consumers are happy with.

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 FIGO
Figo
Good 4.0
4.0 star
  • No upper age limits
  • 1-day accident wait period
  • Optional Wellness plan
Good 4.0
3.5 star
Price 3.5 star
Figo offers a reimbursement rate of 100% for plans with a deductible over $500. Deductible choices vary from $100 to $750, with extra options of $1,000 and $1,500 being added when pets reach ages 8 and 10 respectively.
Coverage 4 star
Annual coverage options to suit most pet’s needs, as well as your wallet, Figo offers $5,000, $10,000 and Unlimited.
Reviews 4 star
Rated ‘Great’ on Trustpilot with a score of 4.0, Figo’s customers commend their quick response times and fantastic customer service.

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?
Pets Best Choice of deductibles

5.0

5 stars
$5,000, Unlimited 70%, 80%, 90% $50, $100, $200, $250, $500, $1,000 3 days accidents, 14 days illness No maximum Tick Tick Tick Tick Tick Tick Tick Tick Tick See Plans
Spot Custom coverage options

5.0

5.0 stars
$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 Tick Tick Tick Tick Tick Tick Tick Tick Tick See Plans
StateFarm Paying the vet direct

5.0

5 stars
Unlimited 90% $0-£1,000 (increments of $50) 5 days accidents, 30 days illness 14 years Cross Tick Tick Cross Cross Tick Cross Cross Tick See Plans
Lemonade Best budget-friendly

5.0

5 stars
$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 Cross Tick Cross Tick Cross Cross Tick Tick Tick See Plans
Fetch Boarding fees

5.0

5 stars
$5,000, $10,000, Unlimited 70%, 80%, 90% $300, $500, $700 15 days No maximum Tick Tick Tick Tick Cross Tick Cross Tick Tick See Plans
Embrace Range of benefits

5.0

5 stars
$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 Tick Tick Tick Tick Tick Tick Tick Cross Tick See Plans
Pumpkin Senior pets

4.5

4.5 stars
$10,000, $20,000, Unlimited 90% $100, $250, $500, $1,000 14 days No maximum Tick Tick Tick Tick Cross Tick Tick Tick Cross See Plans
Healthy Paws Unlimited annual coverage

4.5

4.5 stars
Unlimited 50%, 60%, 70%, 80%, 90% (age & breed dependant) $100, $250, $500, $750, $1,000 15 days 14 years Cross Tick Tick Cross Cross Tick Cross Cross Tick See Plans
Figo Wide range of coverage options

4.0

4.0 stars
$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 Cross Tick Tick Tick Tick Tick Tick Tick Tick See Plans