4.6
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4.5
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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
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.
Key Takeaways
- Haven Pet: Best overall, pairing fast next-day accident coverage with a multi-pet discount and free vet telehealth.
- Embrace: Best for flexible deductibles, with a diminishing deductible for claim-free years and strong dental coverage.
- Fetch: Best for holistic coverage, including sick exam fees, adult dental care, and alternative therapies.
- Healthy Paws: Best for unlimited caps, with no annual or lifetime payout limits and fast mobile claims.
- Lemonade: Best for AI claims speed, with instant processing and competitive customizable pricing.
- MetLife: Best for multiple pets, covering several pets on one policy with a zero-day accident waiting period.
By comparing features such as waiting periods, payout limits, and reimbursement rates, you can choose a policy that fits both your pet’s needs and your budget.
Companies Compared
Compare top Pet Insurance on Accident Waiting Period, Upper Age Limit for Enrollment, Maximum Reimbursement Percentage, and Optional Wellness/Preventative Add-ons
Swipe
| Company | Rating | Accident Waiting Period | Upper Age Limit for Enrollment | Maximum Reimbursement Percentage | Optional Wellness/Preventative Add-ons | |
|---|---|---|---|---|---|---|
| 2 Days | 14 Years | 90 Percent | Yes | |||
| 15 Days | No Limit | 90 Percent | Yes | |||
| 14 Days | Not specified | 90 Percent | Yes | |||
| 2 Days | Varies by State | 90 Percent | Yes | |||
| 0 Days | No Limit | 100 Percent | Yes |
All Companies Reviewed
1. 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.
4.6/5
Accident Waiting Period15 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
2. Kanguro
Kanguro offers up to 90% reimbursement and an optional unlimited annual limit, paired with fast 5 to 7 day claims and a free 24/7 vet helpline. Best for owners of young, healthy pets wanting strong coverage.
4.5/5
Accident Waiting Period14 Days
Upper Age Limit for EnrollmentNot specified
Maximum Reimbursement Percentage90 Percent
3. 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.
4.3/5
Accident Waiting Period2 Days
Upper Age Limit for EnrollmentVaries by State
Maximum Reimbursement Percentage90 Percent
4. MetLife
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.
4.3/5
Accident Waiting Period0 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage100 Percent
5. 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.
4.6/5
Accident Waiting Period2 Days
Upper Age Limit for Enrollment14 Years
Maximum Reimbursement Percentage90 Percent
6. 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.
4.6/5
Accident Waiting Period14 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
7. 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.
4.5/5
Accident Waiting Period1 Day
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
8. 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.
4.3/5
Accident Waiting Period15 Days
Upper Age Limit for EnrollmentDowngrades for Seniors
Maximum Reimbursement Percentage90 Percent
9. 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.
4.2/5
Accident Waiting PeriodVaries by Underwriter
Upper Age Limit for EnrollmentVaries by Underwriter
Maximum Reimbursement Percentage90 Percent
10. 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.
4.2/5
Accident Waiting Period1 Day
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage100 Percent
11. 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.
4.2/5
Accident Waiting Period3 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
12. 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.
4.2/5
Accident Waiting Period5 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
13. 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.
4.2/5
Accident Waiting Period5 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
14. 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.
4.1/5
Accident Waiting Period14 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
15. 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.
4.1/5
Accident Waiting Period3 Days
Upper Age Limit for EnrollmentNo Limit
Maximum Reimbursement Percentage90 Percent
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