Best Pet Insurance Companies 2026
by Anonymous
Pet insurance reimburses veterinary costs for accidents, illnesses, and sometimes wellness care. With veterinary costs rising annually, insurance can prevent difficult financial decisions during pet emergencies. Plans typically have deductibles, reimbursement percentages, and annual limits. Insure young, healthy pets for the best rates and coverage since pre-existing conditions are excluded.
Lemonade Pet
$15–$50
monthly premium (dog)
70%, 80%, or 90%
reimbursement rate
$5K–$100K
annual limit
$100–$500
deductible options
Yes, add-on
wellness plan
Instant AI (many claims)
claims processing
Healthy Paws
$25–$65
monthly premium (dog)
70%, 80%, or 90%
reimbursement rate
Unlimited
annual limit
$100–$500
deductible options
No
wellness plan
2–3 days average
claims processing
Trupanion
$40–$80
monthly premium (dog)
90%
reimbursement rate
Unlimited
annual limit
$0–$1,000
deductible options
No
wellness plan
Direct to vet at checkout
claims processing
Embrace
$20–$60
monthly premium (dog)
70%, 80%, or 90%
reimbursement rate
$5K–$30K
annual limit
$200–$1,000
deductible options
Yes, Wellness Rewards
wellness plan
5–10 business days
claims processing
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