Best Pet Insurance Providers 2026
We researched and compared the top pet insurance companies to help you find the right coverage for your pet. Each provider has been evaluated on cost, coverage, claims experience, and customer satisfaction.
| Provider | Rating | Monthly Cost | Hereditary | Dental | |
|---|---|---|---|---|---|
| L Lemonade Best Overall | 4.5 | $20 - $80 | Yes | Yes | Get Quote |
| H Healthy Paws Highest Rated | 4.7 | $25 - $90 | Yes | No | Get Quote |
| E Embrace Best for Comprehensive Coverage | 4.6 | $25 - $85 | Yes | Yes | Get Quote |
| N Nationwide Best for Exotic Pets | 4.2 | $30 - $100 | Yes | Yes | Get Quote |
| T Trupanion Best for Large Breeds | 4.5 | $30 - $120 | Yes | No | Get Quote |
| P Pets Best Best Value | 4.4 | $18 - $75 | Yes | No | Get Quote |
Detailed Provider Reviews
L
Lemonade Best Overall
4.5 / 5.0
Pricing & Coverage
- Monthly Premium
- $20 - $80
- Deductible Options
- $100, $250, $500
- Reimbursement
- 70%, 80%, 90%
- Annual Limits
- $5,000, $10,000, $50,000, $100,000
- Waiting Period
- 2d accident / 14d illness
What We Like
- Fast claims processing via app
- Customizable coverage plans
- Affordable base premiums
- Preventive care add-on available
Things to Consider
- No exam fee coverage on base plan
- Limited availability in some states
- Newer company with less track record
Starting at $20/month — Hereditary conditions covered
Get a Free Quote from Lemonade H
Healthy Paws Highest Rated
4.7 / 5.0
Pricing & Coverage
- Monthly Premium
- $25 - $90
- Deductible Options
- $100, $250, $500, $750
- Reimbursement
- 70%, 80%, 90%
- Annual Limits
- Unlimited
- Waiting Period
- 15d accident / 15d illness
What We Like
- Unlimited annual and lifetime benefits
- No caps on claim payouts
- Fast claim processing (2-3 days average)
- Covers hereditary and congenital conditions
Things to Consider
- No routine or preventive care coverage
- No dental coverage
- Longer waiting period for accidents than competitors
Starting at $25/month — Hereditary conditions covered
Get a Free Quote from Healthy Paws E
Embrace Best for Comprehensive Coverage
4.6 / 5.0
Pricing & Coverage
- Monthly Premium
- $25 - $85
- Deductible Options
- $200, $300, $500, $750, $1000
- Reimbursement
- 70%, 80%, 90%
- Annual Limits
- $5,000, $10,000, $15,000, $30,000
- Waiting Period
- 2d accident / 14d illness
What We Like
- Diminishing deductible (decreases $50/year with no claims)
- Covers exam fees
- Dental illness coverage included
- Wellness Rewards add-on for routine care
Things to Consider
- Annual limits (no unlimited option)
- Premiums can increase with age
- Orthopedic conditions have 6-month waiting period
Starting at $25/month — Hereditary conditions covered
Get a Free Quote from Embrace N
Nationwide Best for Exotic Pets
4.2 / 5.0
Pricing & Coverage
- Monthly Premium
- $30 - $100
- Deductible Options
- $250, $500, $750
- Reimbursement
- 50%, 70%, 90%
- Annual Limits
- $10,000, $15,000, Unlimited
- Waiting Period
- 14d accident / 14d illness
What We Like
- Whole Pet plan covers wellness and illness
- Only major insurer covering exotic pets
- Employer-sponsored plans available
- Long-established company since 1982
Things to Consider
- Higher premiums than competitors
- Slower claims processing
- Benefit schedule plans pay less than expected
- 14-day waiting period for accidents
Starting at $30/month — Hereditary conditions covered
Get a Free Quote from Nationwide T
Trupanion Best for Large Breeds
4.5 / 5.0
Pricing & Coverage
- Monthly Premium
- $30 - $120
- Deductible Options
- $0, $100, $200, $500, $1000
- Reimbursement
- 90%
- Annual Limits
- Unlimited
- Waiting Period
- 5d accident / 30d illness
What We Like
- 90% reimbursement on all plans
- No payout limits per incident or lifetime
- Direct vet payment option at many clinics
- Covers hereditary and congenital conditions from day one
Things to Consider
- Only 90% reimbursement option (no 70% or 80%)
- No wellness or routine care coverage
- 30-day waiting period for illnesses
- Higher premiums overall
Starting at $30/month — Hereditary conditions covered
Get a Free Quote from Trupanion P
Pets Best Best Value
4.4 / 5.0
Pricing & Coverage
- Monthly Premium
- $18 - $75
- Deductible Options
- $50, $100, $200, $250, $500
- Reimbursement
- 70%, 80%, 90%
- Annual Limits
- $5,000, $10,000, Unlimited
- Waiting Period
- 3d accident / 14d illness
What We Like
- Very affordable base premiums
- Low deductible options starting at $50
- Fast claims processing (5 days average)
- BestWellness plan for routine care add-on
Things to Consider
- No dental coverage
- Customer service can be slow
- Lower annual limits on budget plans
- Premium increases with age can be significant
Starting at $18/month — Hereditary conditions covered
Get a Free Quote from Pets BestReady to Protect Your Pet?
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