WhichPetPlan
Advisor

Pet insurance reviews

We read every policy wording in full for each insurer below before scoring it. Each review covers waiting periods, deductible and reimbursement options, what's excluded, and who the plan is genuinely not a good fit for — not just the marketing page. Scores are WhichPetPlan's own editorial rating; see our methodology.

Short answer

We read 8 insurers' policy wordings and score them editorially. Scores are not paid rankings. Premiums shown anywhere on this site are illustrative starting estimates, not quotes.

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)

H
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.
L
Lemonade
Score 9 · $100k
Best for: Puppies and tight budgets.
Best price in the category and claims settle in-app — but not sold in every state and dental is thin.
E
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.
T
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 — and by far the priciest month to month.
S
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.
P
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.
F
Figo
Score 7.9 · $5k–unlimited
Best for: Maximum payback.
One of the few offering full reimbursement — priced accordingly, and the app is where all service happens.
F
Fetch
Score 7.6 · $15k
Best for: Older dogs.
Covers dental disease and behavioural care others exclude — but sits mid-table on price with a middling cap.

Questions about these reviews

How does WhichPetPlan review pet insurers?
We read each insurer's published policy wording and sample policy documents, not just the marketing site. Every review checks waiting periods (including orthopedic or cruciate holds), deductible and reimbursement options, annual limit structure, pre-existing-condition rules, wellness add-on availability, and who the plan is a poor fit for. Scores are WhichPetPlan's own editorial rating — see our methodology for how they are set.
Are the scores on these reviews paid rankings?
No. Scores are set from policy wording before any partner conversation. Some insurers may later pay a referral fee if you buy through our link, but that fee never changes the score or the ranking position. Where no partner deal exists, there is no financial relationship with that insurer.
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.