Best Pet Insurance Companies of 2026
Our team reviewed 50+ providers, analyzed thousands of customer reviews, and compared coverage details so you don't have to. Here are the best pet insurance companies — ranked and explained.
Quick Comparison
| Company | Rating | Monthly Cost | Reimbursement | Deductible | Waiting Period | |
|---|---|---|---|---|---|---|
1Healthy PawsTop Pick | 4.9 | $25–$65 | Up to 90% | $100–$500 | 15 days | |
2Trupanion | 4.7 | $30–$80 | 90% | $0–$1,000 | 5 days (accidents), 30 days (illness) | |
3Embrace | 4.6 | $20–$55 | 70–90% | $200–$1,000 | 2 days (accidents), 14 days (illness) | |
4Figo | 4.5 | $22–$60 | 70–100% | $100–$750 | 1 day (accidents), 14 days (illness) | |
5ASPCA Pet Insurance | 4.3 | $18–$50 | 70–90% | $100–$500 | 14 days |
Detailed Rankings & Reviews
Click "Show Pros, Cons & Full Verdict" on any card to see our complete analysis.
Healthy Paws
Best OverallBest for: Pet owners who want unlimited coverage with no caps
Healthy Paws consistently earns top marks for its unlimited lifetime benefits, fast claims processing, and straightforward single-plan structure. There are no per-incident or annual caps — just one simple plan that covers accidents, illnesses, hereditary conditions, and emergency care.
Trupanion
Best for Serious IllnessBest for: Owners of breeds prone to expensive hereditary conditions
Trupanion uses a unique per-condition deductible model — you pay the deductible once per condition, then 90% is covered for life. This makes it especially valuable for chronic conditions like diabetes or allergies that require ongoing treatment.
Embrace
Best ValueBest for: Budget-conscious owners who want wellness coverage too
Embrace offers one of the most flexible plans on the market, with a diminishing deductible that rewards you for not filing claims. The optional Wellness Rewards add-on covers routine care like vaccines, dental cleanings, and flea prevention.
Figo
Best for Tech-Savvy OwnersBest for: Owners who want a 100% reimbursement option and a great app
Figo stands out for offering a 100% reimbursement tier — rare in the industry — and a polished mobile app for managing claims and vet records. Coverage includes exam fees, which many competitors exclude.
ASPCA Pet Insurance
Best for Preventive CareBest for: Owners who want preventive care bundled into their plan
ASPCA Pet Insurance (underwritten by Independence American Insurance) offers competitive rates and strong preventive care options. It's one of the few plans that covers exam fees and behavioral issues as standard.
How We Rank Pet Insurance Companies
Coverage Breadth
What conditions, treatments, and services are covered — including hereditary, dental, and alternative therapies.
Value for Money
Monthly premiums relative to coverage limits, reimbursement rates, and deductible flexibility.
Claims Experience
Speed of reimbursement, ease of filing, and real customer satisfaction data from thousands of reviews.
Transparency
How clearly the policy is written, exclusions disclosed, and pricing presented before purchase.
Financial Stability
The insurer's financial strength ratings and track record of paying claims.
Customer Support
Availability, responsiveness, and quality of support when you need it most.
Ready to Compare Plans Side by Side?
Use our comparison tool to see how these providers stack up for your specific pet, breed, and location.