Pet Insurance Provider Reviews
We've analyzed every major US pet insurance provider so you can compare coverage, pricing, and customer satisfaction in one place.
Embrace
Embrace Pet Insurance
Embrace is our top pick for hereditary-condition-prone breeds. Their no-exclusion policy for breed-specific conditions —...
Best for:
- ✓ Breeds prone to hereditary conditions
- ✓ Senior pets needing comprehensive coverage
Lemonade
Lemonade Pet Insurance
Lemonade offers the most affordable premiums in pet insurance, making it an excellent choice for young, healthy pets and...
Best for:
- ✓ Young, healthy pets
- ✓ Budget-conscious owners
Spot
Spot Pet Insurance
Spot stands out for its highly customizable plans — you can fine-tune deductibles, reimbursement percentages, and annual...
Best for:
- ✓ Owners wanting maximum customization
- ✓ Senior pets (no age limit)
Pets Best
Pets Best Insurance
Pets Best is a standout for alternative therapy coverage — including acupuncture, chiropractic, and hydrotherapy. For br...
Best for:
- ✓ Breeds needing alternative/complementary care
- ✓ Owners wanting very low annual deductibles
Trupanion
Trupanion
Trupanion is built for worst-case scenarios. With always-90% reimbursement and truly unlimited annual limits, it provide...
Best for:
- ✓ Pets with expensive, ongoing conditions
- ✓ Breeds prone to cancer requiring unlimited coverage
ASPCA
ASPCA Pet Health Insurance
The ASPCA name carries genuine trust in the pet community, and their insurance product backs it up with comprehensive co...
Best for:
- ✓ Owners who trust the ASPCA brand
- ✓ Pets needing behavioral therapy coverage
Fetch
Fetch by The Dodo
Fetch (formerly Petplan, now backed by The Dodo) offers perhaps the broadest coverage in pet insurance — exam fees, dent...
Best for:
- ✓ Owners wanting everything in one plan
- ✓ Breeds prone to dental issues
Healthy Paws
Healthy Paws Pet Insurance
Healthy Paws consistently earns the highest customer satisfaction ratings in pet insurance — and it's easy to see why. O...
Best for:
- ✓ Pets with high catastrophic risk (cancer, major trauma)
- ✓ Owners prioritizing maximum payout over breadth of coverage
Nationwide
Nationwide Pet Insurance
Nationwide stands out as the only major insurer covering exotic pets alongside dogs and cats. For households with birds,...
Best for:
- ✓ Multi-pet households with exotic pets
- ✓ Employee benefit programs
MetLife
MetLife Pet Insurance
MetLife (formerly PetFirst) is one of only two major insurers covering exotic pets — and unlike Nationwide, they also of...
Best for:
- ✓ Households with exotic pets (birds, rabbits, ferrets, reptiles)
- ✓ Owners wanting zero accident waiting period
AKC
AKC Pet Insurance
AKC Pet Insurance (administered by PetPartners) trades on the American Kennel Club's deep credibility with purebred dog ...
Best for:
- ✓ Purebred dog owners aligned with AKC values
- ✓ Owners wanting straightforward accident and illness coverage
Figo
Figo Pet Insurance
Figo distinguishes itself with a 100% reimbursement option — rare in the industry — and a 1-day accident waiting period....
Best for:
- ✓ Tech-savvy owners wanting 100% reimbursement option
- ✓ Owners wanting near-immediate accident coverage
Pumpkin
Pumpkin Pet Insurance
Pumpkin stands out for covering curable pre-existing conditions after a 180-day waiting period — a policy that can make ...
Best for:
- ✓ Senior pets needing comprehensive coverage
- ✓ Pets with curable pre-existing conditions
Odie
Odie Pet Insurance
Odie emerged from the restructuring of ManyPets in the US market, and while the transition brought some customer frictio...
Best for:
- ✓ Former ManyPets customers seeking continuity
- ✓ Budget-conscious owners wanting core accident/illness protection
Prudent Pet
Prudent Pet Insurance
Prudent Pet punches above its weight on coverage breadth — holistic care, experimental therapies, dental illness, and be...
Best for:
- ✓ Owners seeking holistic and complementary care coverage
- ✓ Pets needing experimental treatment options
Animalia
Animalia Pet Insurance
Animalia entered the US pet insurance market in 2022 with an all-in comprehensive coverage approach — exam fees, dental ...
Best for:
- ✓ Owners wanting comprehensive coverage at competitive rates
- ✓ Tech-forward pet owners preferring digital management
CarePlus
CarePlus by Chewy
CarePlus by Chewy leverages the massive Chewy customer base to offer accessible, affordable pet insurance with seamless ...
Best for:
- ✓ Existing Chewy customers wanting integrated pet care
- ✓ Budget-conscious owners of young, healthy pets
Companion Protect
Companion Protect
Companion Protect is primarily a group/employer benefits product with no waiting periods and very low premiums. The trad...
Best for:
- ✓ Employer benefits program participants
- ✓ Owners of young mixed-breed dogs and cats
Doggo
Doggo Pet Insurance
Doggo is a dog-focused insurer built around the experience of large-breed ownership — orthopedic coverage, hereditary co...
Best for:
- ✓ Dog owners wanting a dog-centric brand experience
- ✓ Owners of medium to large breeds needing orthopedic coverage
Hartville
Hartville Pet Insurance
Hartville Pet Insurance has been operating since 1997 and recently absorbed 24PetWatch's insurance program, creating fri...
Best for:
- ✓ Former 24PetWatch customers who stayed through the transition
- ✓ Owners wanting established, long-running insurer
Kanguro
Kanguro Pet Insurance
Kanguro distinguishes itself with bilingual (English/Spanish) customer service and 24/7 telehealth access — genuine diff...
Best for:
- ✓ Spanish-speaking pet owners wanting bilingual support
- ✓ Tech-forward owners wanting 24/7 telehealth
Nibbles
Nibbles Pet Insurance
Nibbles offers the lowest-cost entry point in pet insurance with clean, simple plans focused on core accidents and illne...
Best for:
- ✓ Budget-constrained owners wanting basic accident coverage
- ✓ Young mixed-breed pets with low hereditary risk
Pawdarling
Pawdarling Pet Insurance
Pawdarling is one of the newest entrants in US pet insurance, launched in 2023 with a friendly, accessible brand voice a...
Best for:
- ✓ New pet owners wanting approachable brand experience
- ✓ Budget-conscious owners in available states
PetPartners
PetPartners Pet Insurance
PetPartners is the infrastructure behind several well-known pet insurance brands, including AKC Pet Insurance. As a dire...
Best for:
- ✓ Owners enrolled through affinity/partner programs (AKC, AARP)
- ✓ Dog and cat owners wanting standard accident and illness coverage
PetPremium
PetPremium Pet Insurance
PetPremium has operated since 2013 without the drama of acquisitions, shutdowns, or major coverage controversies — which...
Best for:
- ✓ Owners wanting an established mid-tier insurer
- ✓ Budget-conscious owners of large breeds needing orthopedic coverage
Physicians Mutual
Physicians Mutual Pet Insurance
Physicians Mutual, a 100-year-old Omaha-based insurer, entered pet insurance in 2022 and acquired Fursure in August 2025...
Best for:
- ✓ Owners who trust institutional insurance brands
- ✓ Former Fursure customers continuing post-acquisition
Spokk
Spokk Pet Insurance
Spokk occupies the micro-insurance tier of pet coverage — immediate, ultra-affordable accident protection with zero wait...
Best for:
- ✓ Owners wanting immediate accident-only coverage while seeking full insurance
- ✓ Very budget-constrained owners wanting minimal protection
Toto
Toto Pet Insurance
Toto is a quietly reliable mid-tier option that's been operating since 2018 without major controversies. Hereditary cond...
Best for:
- ✓ Owners wanting reliable mid-tier coverage at competitive prices
- ✓ Breeds needing hereditary condition coverage without breed exclusions
TrustedPals
TrustedPals Pet Insurance
TrustedPals lives up to its name with transparent, no-surprise coverage for accidents, illnesses, hereditary conditions,...
Best for:
- ✓ Owners wanting transparent, straightforward coverage
- ✓ Breeds with hereditary and bilateral condition risks
Wagmo
Wagmo Pet Insurance
Wagmo's 100% reimbursement promise eliminates the mental math of coverage percentages — after your deductible, Wagmo cov...
Best for:
- ✓ Dog owners wanting 100% reimbursement without copay complexity
- ✓ Owners wanting standalone wellness plans separate from insurance
24Petprotect
24Petprotect Pet Insurance
24Petprotect (formerly 24PetWatch's insurance arm) has a built-in customer base through microchip registration, but the ...
Best for:
- ✓ Existing 24PetWatch microchip customers
- ✓ Pet owners who registered through shelters and rescues with 24PetWatch
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