Pet Insurance Insider
Home/Best Pet Insurance/Pet Insurance Reviews
Updated June 2026

Pet Insurance Reviews

Honest, in-depth reviews of every major pet insurance provider. We analyze coverage details, pricing, claims experience, and real customer feedback — so you can choose with confidence.

Showing 5 providers

Compare side by side

Healthy Paws

Best Overall
4.9(12,400)

The gold standard for unlimited accident & illness coverage

Monthly
$25–$65
Reimburse
Up to 90%
Annual Limit
Unlimited
Wait Period
15 days
Accidents & illnesses Hereditary & congenital conditions Cancer treatment Emergency & specialist care Alternative therapies Prescription medications
Get a Quote Compare Plans

Trupanion

Best for Chronic Illness
4.7(8,900)

Unique per-condition deductible model ideal for chronic illness

Monthly
$30–$80
Reimburse
90%
Annual Limit
Unlimited
Wait Period
5 days (accidents)
Accidents & illnesses Hereditary & congenital conditions Prescription food (for covered conditions) Prosthetics & mobility aids Rehabilitation therapy Direct vet payment
Get a Quote Compare Plans

Embrace

Best Value
4.6(7,200)

Flexible coverage with a diminishing deductible and wellness rewards

Monthly
$20–$55
Reimburse
70–90%
Annual Limit
$5,000–Unlimited
Wait Period
2 days (accidents)
Accidents & illnesses Hereditary & congenital conditions Dental illness (not just accidents) Behavioral conditions Alternative therapies Optional Wellness Rewards add-on
Get a Quote Compare Plans

Figo

Best Tech Experience
4.5(5,100)

The only provider offering 100% reimbursement with a best-in-class app

Monthly
$22–$60
Reimburse
70–100%
Annual Limit
$5,000–Unlimited
Wait Period
1 day (accidents)
Accidents & illnesses Hereditary & congenital conditions Exam fees (included) Cancer treatment Emergency boarding Lost pet advertising
Get a Quote Compare Plans

ASPCA Pet Insurance

Best for Preventive Care
4.3(6,800)

Trusted brand with strong preventive care and behavioral coverage

Monthly
$18–$50
Reimburse
70–90%
Annual Limit
$3,000–$10,000
Wait Period
14 days
Accidents & illnesses Exam fees (included) Behavioral conditions Alternative therapies Microchipping Preventive care add-on available
Get a Quote Compare Plans

Our Review Methodology

Every review on Pet Insurance Insider is based on independent research. We do not accept payment for positive coverage. Our ratings reflect a weighted score across six criteria:

Coverage Breadth (30%)
What conditions, treatments, and services are included.
Value for Money (25%)
Premium cost relative to coverage limits and reimbursement rates.
Claims Experience (20%)
Speed, ease, and satisfaction with the claims process.
Transparency (10%)
Clarity of policy language and exclusion disclosure.
Financial Stability (10%)
Insurer strength ratings and claims payment history.
Customer Support (5%)
Availability and quality of support when you need it.

Also Useful

Ready to Compare Plans?

Use our side-by-side comparison tool to see exactly how these providers stack up for your pet.