Pet insurance reviews

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We compare published insurer materials and named third-party sources. Each review covers waiting periods, deductible and reimbursement options, what's excluded, and who the plan is genuinely not a good fit for. Confirm current policy terms before buying. Scores are WhichPetPlan's own editorial rating; see our methodology.

Short answer

We compare published materials for 8 insurers and score them editorially. Scores are not paid rankings. Get current quotes for your pet to compare premiums and policy terms.

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Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.

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How we review pet insurers

Every insurer on this page is scored against the same checklist: accident and illness waiting periods (plus any longer orthopedic or cruciate hold), deductible and reimbursement combinations you can actually choose, whether the annual payout is hard-capped or unlimited, how pre-existing conditions are defined, and whether a wellness or routine-care add-on exists. We use the insurer's own sample policy or a named comparison outlet for those facts — we do not invent waiting periods, limits, or ratings.

The score comes first; any referral relationship comes later and never moves the ranking. The one-line differentiator under each insurer below is pulled from our editorial “best for” and “the catch” fields on that review. Open the full review for waiting periods, exclusions, and who should skip that plan.

Insurers we compare (8)

Healthy Paws

Score 9.3 · No annual limit

Best for: Most dogs.

Unlimited payout and fast reimbursement — but no wellness add-on and premiums climb steeply after age eight.

Lemonade

Score 9 · $100k

Best for: Puppies and app-based claims.

Claims settle in-app — but not sold in every state and dental is thin.

Embrace

Score 8.8 · $2k–unlimited

Best for: Owners who rarely claim.

Your deductible drops $50 every claim-free year. Accident and illness annual limits run from $2,000 to unlimited.

Trupanion

Score 8.6 · No annual limit

Best for: Anyone who can't float a big bill.

The only insurer that routinely settles at the desk — check its current quote against reimbursement plans.

Spot

Score 8.3 · $2.5k–unlimited

Best for: Custom budgets.

More limit and deductible combinations than anyone — which also makes it the easiest plan to accidentally under-buy.

Pets Best

Score 8.1 · $5k–unlimited

Best for: Fast start.

Short 3-day accident wait (waivable with a qualifying vet exam), but cruciate ligament events wait 6 months unless a participating veterinarian certifies the pet.

Figo

Score 7.9 · $5k–unlimited

Best for: Maximum payback.

One of the few offering full reimbursement — and the app is where all service happens.

Fetch

Score 7.6 · $15k

Best for: Older dogs.

Covers dental disease and behavioural care others exclude — but has a modest annual cap.

Questions about these reviews

How does WhichPetPlan review pet insurers?

We compare published insurer materials and named third-party sources. Reviews check waiting periods, deductible and reimbursement options, annual limits, pre-existing-condition rules, wellness add-ons, and who a plan may not suit. Scores are WhichPetPlan's own editorial rating — see our methodology for how they are set. Confirm policy terms in your current quote and documents.

What should I look for in a pet insurance review?

Focus on the catch line and the exclusions, not just the headline score. Waiting periods for illness and orthopedic claims, whether pre-existing conditions can ever be re-covered, and whether the annual limit is hard-capped or unlimited usually matter more than a small premium difference. Use the individual review pages for those details, then get a live quote for your pet.

Do these reviews cover both dogs and cats?

Yes. Every insurer listed here sells accident-and-illness cover for dogs, cats, or both. Where pricing or "best for" differs by species, the individual review page spells that out. For breed-linked risk notes, see our breed guides; for how scores are built, see methodology.

Looking for a ranked shortlist instead of full reviews? See best pet insurance and best cat insurance. For breed-linked claim risk, browse pet insurance by breed.