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Best Pet Insurance of 2026

By Krystine Carneiro

Journalist

Fact Checked

Published on March 25, 2026

Updated on March 27, 2026

Overview

Top-Rated Pet Insurance Compared

Compare top Pet Insurance on Accident Waiting Period, Upper Age Limit for Enrollment, Maximum Reimbursement Percentage, and Optional Wellness/Preventative Add-ons

Haven Pet

4.5

VISIT SITE

Haven Pet provides next-day accident coverage and highly customizable limits.

PET INSURANCE
VET BILLS
REIMBURSEMENT
DEDUCTIBLES
WAITING PERIOD
WELLNESS PLAN
ACCIDENT COVERAGE
ILLNESS COVERAGE

Best Pet Insurance

Finding the right pet insurance can feel overwhelming with so many providers and coverage options available. A comprehensive policy protects your furry friend from unexpected accidents and illnesses while shielding your wallet from massive veterinary bills.

By comparing the top brands in the market, pet parents can find policies tailored to their budget, offering peace of mind when emergencies strike.

Choosing the perfect pet insurance involves evaluating your pet’s specific health risks and your financial goals. Carefully consider accident waiting periods, upper age limits, and reimbursement percentages before making a decision.

	Best Flexible Deductibles Embrace 4.6 VISIT	Best Holistic Coverage Fetch 4.6 VISIT	Best Reimbursement Rate Pumpkin 4.6 VISIT	Best Unlimited Caps Healthy Paws 4.3 VISIT	Best AI Claims Speed Lemonade 4.3 VISIT
Accident Waiting Period	2 Days	15 Days	14 Days	15 Days	2 Days
Upper Age Limit for Enrollment	14 Years	No Limit	No Limit	Downgrades for Seniors	Varies by State
Maximum Reimbursement Percentage	90 Percent	90 Percent	90 Percent	90 Percent	90 Percent
Optional Wellness/Preventative Add-ons	Yes	Yes	Yes	No	Yes
	Read our review	Read our review	Read our review	Read our review	Read our review

Pet Insurance Brand Reviews

1. Embrace

Embrace provides highly customizable coverage options combined with a unique healthy pet discount that actively lowers premiums for claim-free years and extensive dental illness protections.

Embrace

Accident Waiting Period

2 Days
Upper Age Limit for Enrollment

14 Years
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

2. Fetch

Fetch stands out in the industry by covering sick exam fees, adult dental care, and holistic therapies, offering immense peace of mind for parents seeking comprehensive medical protection.

Fetch

Accident Waiting Period

15 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

3. Pumpkin

Pumpkin prioritizes premium medical care by standardizing an industry-leading reimbursement rate, including costly sick visit exam fees, and covering extensive accident and illness treatments.

Pumpkin

Accident Waiting Period

14 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

4. Healthy Paws

Healthy Paws is historically famous for its straightforward, unlimited payout structure for catastrophic accidents and illnesses, paired perfectly with fast mobile claims and Airvet integration.

Healthy Paws

Accident Waiting Period

15 Days
Upper Age Limit for Enrollment

Downgrades for Seniors
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

5. Lemonade

Lemonade disrupts the traditional insurance industry with AI-driven instant claims processing, highly competitive customizable pricing models, and a wonderful charitable giveback program for unclaimed premiums.

Lemonade

Accident Waiting Period

2 Days
Upper Age Limit for Enrollment

Varies by State
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

6. Figo

Figo offers a brilliant tech-forward approach with its Pet Cloud app, featuring an incredibly short one-day accident waiting period and the rare option for complete coverage.

Figo

Accident Waiting Period

1 Day
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

100 Percent

Visit Site

Read Review

7. ASPCA

ASPCA brings a trusted reputation to the insurance market, offering a complete coverage plan with no upper age limits and a highly competitive orthopedic waiting period.

ASPCA

Accident Waiting Period

14 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

8. Pets Best

Pets Best delivers high customizability alongside the incredible ability to pay participating veterinarians directly, greatly reducing upfront out-of-pocket costs during major pet emergencies.

Pets Best

Accident Waiting Period

3 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

Visit Site

Read Review

9. Haven Pet

Haven Pet delivers exceptional customizable coverage with incredibly fast next-day accident protections, a valuable multi-pet discount, and free access to an emergency veterinary telehealth line.

Haven Pet

Accident Waiting Period

1 Day
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

See Our #1 Pick

Read Review

10. MetLife Pet Insurance

MetLife provides highly unique family plans that allow owners to cover multiple pets under a single policy and shared deductible, featuring an industry-leading zero-day accident waiting period.

MetLife Pet Insurance

Accident Waiting Period

0 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

100 Percent

See Our #1 Pick

Read Review

11. Chewy Pet Insurance

Chewy CarePlus acts as a unique marketplace partnering with top insurers like Trupanion and Lemonade, offering seamless integration for existing Chewy customers and immediate telehealth access.

Chewy Pet Insurance

Accident Waiting Period

Varies by Underwriter
Upper Age Limit for Enrollment

Varies by Underwriter
Maximum Reimbursement Percentage

90 Percent

See Our #1 Pick

Read Review

12. Odie

Odie provides straightforward and budget-conscious reimbursement plans featuring flexible annual limits, very short accident waiting periods, and optional preventative wellness add-ons for essential care.

Odie

Accident Waiting Period

3 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

See Our #1 Pick

Read Review

13. Prudent Pet

Prudent Pet offers robust protection plans that include completely unlimited annual limits on their Ultimate tier, unlimited vet chat, and excellent coverage for prescribed behavioral issues.

Prudent Pet

Accident Waiting Period

5 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

See Our #1 Pick

Read Review

14. Trupanion

Trupanion simplifies the pet insurance landscape with a single comprehensive plan featuring direct veterinary checkout payments, unlimited payouts, and a unique per-condition lifetime deductible.

Trupanion

Accident Waiting Period

5 Days
Upper Age Limit for Enrollment

No Limit
Maximum Reimbursement Percentage

90 Percent

See Our #1 Pick

Read Review

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