Pet insurance comparisons
Head-to-head matchups between the insurers we review, written from the actual policy wording: waiting periods, exclusions, annual limits and reimbursement structure. Each page gives a plain answer on who wins for whom, and we name the competitor when the competitor is the better choice.
Lemonade vs Healthy Paws
Healthy Paws is the better choice for most dogs: it is our top-scored plan at 9.3/10, pays out with no annual cap, and has no accident waiting period at all.
Embrace vs Healthy Paws
Healthy Paws wins for most owners: unlimited payouts, no accident waiting period, and our top score of 9.3/10 against Embrace at 8.8.
Spot vs Lemonade
Lemonade wins this one for most buyers on price and score: illustrative dog premiums start around $28/mo versus $38/mo for Spot, and Lemonade scores 9.0 against Spot at 8.3 in our rankings.
Trupanion vs Healthy Paws
Healthy Paws wins on price by a wide margin: illustrative dog premiums start around $44/mo versus $62/mo for Trupanion, and Healthy Paws scores 9.3 against 8.6.
Fetch vs Lemonade
Lemonade wins on price and score: illustrative dog premiums start around $28/mo versus $47/mo for Fetch, and Lemonade scores 9.0 against 7.6 in our rankings.
Figo vs Lemonade
Lemonade wins for most buyers on price and score: illustrative dog premiums start around $28/mo versus $40/mo for Figo, and Lemonade scores 9.0 against 7.9.
Pets Best vs Healthy Paws
Healthy Paws wins on coverage depth: unlimited payouts, no accident waiting period, and our top score of 9.3/10 against 8.1 for Pets Best.
Embrace vs Spot
Embrace wins this head-to-head for most owners: it scores 8.8 against 8.3 for Spot, rewards claim-free years with a $50 lower deductible each time, and is the only insurer here that re-covers curable pre-existing conditions after 12 clean months.
Trupanion vs Embrace
Embrace wins on value for most owners: illustrative dog premiums start around $41/mo versus $62/mo for Trupanion, and Embrace scores 8.8 against 8.6.
Fetch vs Healthy Paws
Healthy Paws wins for most dogs: unlimited payouts, no accident waiting period, and our top score of 9.3/10 against 7.6 for Fetch, at a similar illustrative starting price of about $44/mo versus $47/mo.
Written by the WhichPetPlan editorial team. We currently earn no commission from any insurer listed, so no comparison here is paid placement. See our methodology for how scores are set.