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Best Pet Insurance Providers
Pets are like family and deserve the best medical care possible when things go awry. Unfortunately, veterinary costs and treatments can be wildly expensive, often leaving pet parents to make extremely difficult decisions. That's where pet insurance can help. Much like health insurance for humans, the best pet insurance provides coverage for illnesses and accidents, allowing you to spend more time caring for your pet and less time worrying about how to pay for their care.
Having gained popularity in recent years, pet insurance is now offered by many providers, with pet insurance costs much lower than those for humans. Recognizing the importance of this decision, we've reviewed the top pet insurance companies and ranked them based on key criteria, including cost, reimbursement types, and exclusions.
Beyond insurance, finding the right provider for your routine supplies is key—we’ve also compared Petco vs. Petsmart to help you decide which retailer fits your budget best, and put together a guide to the best dog e-collars if you’re looking for effective training tools.
Thinking About Bundling Your Home and Auto Insurance? Check out our Farmers Insurance Bundles review.
Health and Finance Expert
Trusted Company Reviews #1 Pick for 2026
Top Pet Insurance Company
MetLife Pet Insurance
- Reimbursement for up to 90% of vet costs
- Get a quote in 2 minutes or less
- 24/7 vet chat
Why we love it 💖
MetLife Pet Insurance customers can cover multiple pets under one plan, with no breed restrictions, no age limits, and unused benefits that roll over year after year.
Our Highest Rated Pet Insurance Companies
- Take your pet to any licensed vet, emergency clinic or specialist in the US
- Fast, hassle-free claims process - most claims processed in 5 days or less!
- Protect all your furry family members with family plans – a single deductible for the whole family
- No breed restrictions on any policy
- Wide range of policy options to fit any budget
- Live telehealth visits with all policies
- Up to 100% coverage of pet medications and supplements
- Some plans are available with no waiting period
- 24/7 On-Demand Pet Telehealth
- Wellness package add-ons
- No pre-requisite vet exam necessary for enrollment
- Deductible options as low as $100
- Up to 100% reimbursement available
- Unlimited annual coverage option
- No upper age limit for enrollment
- My Pet Cloud app and 24/7 veterinary access
- Discounts for bundling with car, rent, home, or term-life insurance
- Preventive care add-on
- End-of-life care add-on
- Deductibles as low as $100
What is pet insurance?
Pet insurance policies work similarly to human health insurance policies. They design each plan to cover the financial cost of veterinary services and pet health needs as they arise. Typically, the policies are affordable and cover a wide range of services. However, it is essential to familiarize yourself with the exclusions of each policy to avoid any unexpected fees.
Is pet insurance necessary?
Choosing to purchase a pet insurance policy is a personal decision that depends on several factors. Pet healthcare can be very expensive, especially when surgery or hospitalization are required. Unfortunately, accidents and illnesses occur without warning and often leave pet parents scrambling to manage a sudden financial burden.
To make matters worse, veterinarians require payment at the time of service, leaving no time to save or pay in installments. If you are certain that you will always have savings available to pay for your fur-baby's care, you might opt not to purchase a policy.
However, an affordable pet insurance policy ensures that you always have options when it comes to covering these unexpected and hefty costs.
How does pet insurance work?
Once you purchase a pet insurance policy, you'll pay a monthly fee to cover the premium. When your pet requires medical attention, you'll take your pet to the veterinarian. In most cases, you'll pay your veterinarian directly and then file a pet insurance claim by submitting the receipt to your insurance company with a request for reimbursement. Your insurance company will then reimburse you for any qualifying expenses as outlined in your policy.
Be sure to read your policy carefully, as most policies are subject to a deductible and coverage caps. For instance, let's say your pet's veterinarian bill is $500, and all the necessary care is covered.
If you haven't used your policy yet during the policy year, your deductible will apply to this visit. Let's assume you have a $250 deductible. Now, the insurance company will look at your chosen reimbursement rate. If you've chosen 90% and have not yet met your maximum annual coverage for the year, you'll receive $225. Future vet bills may be reimbursed more fully once you meet your deductible.
How will the pet insurance company send my money?
In most cases, your pet insurance company will directly deposit reimbursement funds into your bank account. However, in some instances, you may be permitted or required to receive a paper check in the mail.
Is pet insurance accepted everywhere?
If your policy pays your veterinarian directly, you must first confirm that your insurance company works with the veterinarian in question. However, for most pet insurance plans, you may use the veterinarian of your choice since you’ll be submitting your receipt, often on a mobile app, to the insurance company directly.
Best Pet Insurance Companies Compared
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
MetLife | Reimbursement | $10,000 | 70%–90% | $50–$500 |
Careplus by Chewy | Direct Pay or Reimbursement | $20,000–Unlimited | 80%–90% | $250, $500, $1,000 |
Spot | Reimbursement | $2,500–Unlimited | 70%, 80%, 90%, 100% | $100, $250, $500, $750, $1000 |
Lemonade | Reimbursement | $5,000–$100,000 | 70%, 80%, 90% | $100, $250, $500, $750 |
Embrace | Reimbursement | $5,000–Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1000 |
MetLife Pet Insurance
Best for Multi-Pet Households & Senior Pets
Trusted Company Reviews Rating Score for MetLife Pet Insurance: 9.5
Review
MetLife Pet Insurance brings the reliability of one of the most recognized names in insurance to the pet insurance space, and it shows. With no breed restrictions, no upper age limits, and a Family Plan that lets you cover up to three pets under a single policy, MetLife has built its program around the needs that other providers often overlook. Whether you have a senior dog, a household full of pets, or a breed that other insurers won't cover, MetLife offers meaningful solutions.
About
MetLife's policies are underwritten by Metropolitan General Insurance Company and Independence American Insurance Company, lending institutional stability that newer pet insurers may not offer. Beyond eligibility, MetLife stands out for two practical policy features: rollover coverage, which carries unused annual benefits into the next year, and a diminishing deductible, which reduces your deductible by $50 each year you don't file a claim. Both reward pet parents with healthy pets over time.
Features and Benefits
No breed restrictions on any policy
No upper age limit for enrollment
Family Plan for up to three pets with a shared deductible and annual limit
Unused coverage rolls over to the following policy year
Deductible decreases by $50 each year without a claim
Immediate accident coverage — no waiting period
24/7 vet helpline included with all policies
Optional preventive care add-on available
Exotic pet coverage available in select states
Grief counseling benefit included
Why We Chose
MetLife earned the top spot on our list for its combination of broad eligibility and policy features that deliver genuine long-term value. No other provider on our list covers senior pets and exotic animals while also offering a shared Family Plan deductible and rollover coverage. For multi-pet households and owners of senior or hard-to-insure pets, MetLife addresses needs that the rest of the field largely leaves unmet.
Pros and Cons
Pros
No breed restrictions or upper age limits
Family Plan with shared deductible for up to three pets
Rollover coverage and diminishing deductible
Immediate accident coverage
Cons
Reimbursement only — no direct pay to the vet
No accident-only plan available
Limited pre-existing conditions coverage options
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible |
Reimbursement | $10,000 | 70%–90% | $50–$500 |
Careplus by Chewy
Best for Stress-Free Claims
Trusted Company Reviews Rating Score for Careplus by Chewy: 9.0
Review
Our #2 pick for the best pet insurance is Careplus by Chewy. Pet partners Chewy, Lemonade, and Trupanion have teamed up to develop a comprehensive and convenient pet insurance policy. The standout feature of policies available through Careplus by Chewy is direct pay. Unlike other policies, which require you to pay your veterinarian bills before submitting a request for reimbursement, your Careplus by Chewy policy will provide payment directly to the veterinarian.
About
Besides the added convenience of direct pay, Careplus by Chewy policies also stand out for their excellent cost and coverage options. When selecting your policy, you can choose plans with $20,000 to unlimited benefits, up to 90% coverage, and deductibles as low as $250.
Features and Benefits
Payments made directly to veterinarians
Up to 100% coverage on qualifying expenses
No payout limits on yearly care costs
Wide range of policy options to fit any budget
Live telehealth visits with all policies
Up to 100% coverage of pet medications and supplements
Some plans are available with no waiting period
Why We Chose
Careplus by Chewy stood out among others in the field. Their combination of plan options, competitive pricing, and the ability to directly pay the veterinarian distinguished them from the providers we reviewed. For pet parents who want the simplest possible claims experience, direct pay removes the burden of fronting vet costs entirely.
Pros and Cons
Pros
Policy pays the veterinarian directly
A wide variety of customizable plans are available
Some plans have no waiting period
Cons
Pre-existing conditions excluded
Some plans require a 14-day waiting period
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible |
Direct Pay or Reimbursement | $20,000-Unlimited | 80%-90% | $250, $500, $1,000 |
Spot
Best for Customizable Coverage
Trusted Company Reviews Rating Score for Spot: 8.9
Review
If you’re looking for a fully customizable pet insurance plan, Spot has it! With options to adjust your maximum annual coverage, reimbursement percentage, and deductible tiers, you can create a plan that fits within your budget and caters to your top priorities. Even more exciting are their optional wellness packages, which cover care typically excluded in pet insurance plans.
About
Spot knows how much you love your pet, so they provide options and policies to fit any budget. Also, with no specific enrollment period or pre-requisite vet exam, you can sign up for a new policy at any time.
Features and Benefits
24/7 On-Demand Pet Telehealth
Wellness package add-ons
Microchip coverage with most plans
No pre-requisite vet exam required for enrollment
Deductible options as low as $100
30-day money-back guarantee
Why We Chose
The high cost of medical care should never stifle the love you have for your pet. That’s why we love Spot and their customizable plans. You can customize your deductible, coverage limits, and annual payout to create policies for as little as $15/month. If you have more than one pet, you’ll enjoy a 10% multi-pet discount for even more savings.
Pros and Cons
Pros
Highly customizable and affordable
Up to unlimited annual coverage
Deductibles as low as $100
Cons
Reimbursement option only, no direct pay to the vet
Preventive care is available as an add-on only
14-day waiting period
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible |
Reimbursement | $2,500-Unlimited | 70%, 80%, 90%, 100% | $100, $250, $500, $750, $1000 |
Figo
Best for Digital Claims and Flexible Coverage
Trusted Company Reviews Rating Score for Figo Pet Insurance: 8.5
Review
Figo Pet Insurance earns a spot on our list for its highly customizable coverage and convenient digital claims experience. Pet parents can choose reimbursement rates up to 100%, unlimited annual coverage, and deductible options that fit their budgets. Figo's My Pet Cloud app makes it easy to submit claims, manage pet health records, and access veterinary support, making it especially appealing to pet owners who prefer handling their insurance online.
About
Founded in 2012 and based in Chicago, Figo offers accident and illness insurance for cats and dogs. Its flexible plans include annual coverage limits from $5,000 to unlimited, reimbursement rates from 70% to 100%, and deductibles from $100 to $750. Figo also has no upper age limit for enrollment, making it worth considering for owners of senior pets. Optional wellness coverage and 24/7 access to veterinary professionals add to its appeal.
Features and Benefits
Reimbursement rates up to 100%
Annual coverage options from $5,000 to unlimited
Deductibles ranging from $100 to $750
No upper age limit for enrollment
My Pet Cloud app for claims and pet health records
24/7 access to licensed veterinary professionals
Optional wellness and preventative care coverage
Why We Chose
Figo's 100% reimbursement option and unlimited annual coverage set it apart from many competitors, and its mobile app simplifies claims and policy management. Although customer satisfaction reviews are mixed and certain benefits require additional coverage, Figo is a strong choice for pet parents who prioritize flexibility and digital convenience.
Pros and Cons
Pros
Up to 100% reimbursement and unlimited annual coverage
No upper age limit for enrollment
Convenient mobile app and 24/7 veterinary access
Cons
Veterinary exam fee coverage costs extra
Preventative care requires an add-on
Mixed customer reviews, including complaints about claim denials
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible |
Reimbursement | $5,000–Unlimited | 70%–100% | $100–$750 |
Lemonade
Best for End-of-Life Planning
Trusted Company Reviews Rating Score for Lemonade: 8.3
Review
Lemonade is a clear contender on our list of the best pet insurance providers and for good reason. Their options for bundling home, auto, term, and pet insurance make them a convenient choice for pet parents who prefer to manage their coverage in one place. They also offer excellent add-ons that cover preventive care and end-of-life care, including euthanasia, cremation, and a commemorative item, which is something often overlooked by most other providers.
About
Don’t let Lemonade’s relatively recent beginnings deter you. While the company is young, they’ve come out strong by focusing heavily on customer service, transparency, and affordability. New members will also be excited to find that they can choose a non-profit to receive donations from Lemonade each year, a further testament to their values.
Features and Benefits
Discounts for bundling with car, rent, home, or term-life insurance
Preventative care add-on
End-of-Life care add-on
Congenital and hereditary condition coverage
Maximum annual coverage $5,000-$100,000
Deductible plans as low as $100
Why We Chose
When compiling our list of the Top 5 Pet Insurance Providers, we knew immediately that Lemonade would earn a spot. Their members enjoy affordable plans with customizable deductibles and coverage options they can bundle with home, auto, and life insurance for deep discounts. Policyholders who want to ensure coverage for preventive care, end-of-life care, and congenital and hereditary conditions can access add-ons tailored to their specific needs.
Pros and Cons
Pros
Discounts for bundling with car, renter, home, or term-life insurance
Add-ons for preventative care and end-of-life services
Deductibles as low as $100
Cons
No direct pay option
No life telehealth coverage
Long waiting periods for certain conditions
Payment Type | Max Annual Coverage | Reimbursement Options | Deductible |
Reimbursement | $5,000-$100,000 | 70%, 80%, 90% | $100, $250, $500, $750 |
Frequently Asked Questions
These are some of the most common questions surrounding pet insurance providers.