Our dogs are valuable members of our families, and they deserve the best possible care. But sometimes, that comes with a high price tag. Taking out a pet insurance policy for your dog is an excellent option to avoid dipping into your savings or using your family’s emergency fund. The best pet insurance, when used properly, can set your mind at ease, and provide you with the financial freedom to take care of your beloved fur baby.
With so many pet insurance providers, knowing which is the best option for you can be difficult.
That’s why we’ve done the research for you and gathered a list of the top 7 best pet insurance providers:
- Lemonade
- Fetch
- Odie
- Figo
- Pumpkin
- Embrace
- Trupanion
The Best Pet Insurance Providers
When we look at pet insurance providers, we look at their claims process, coverage options, reimbursement choices, and much more. But ultimately, it comes down to customer reviews.
1 – Lemonade
Rating: 4.5/5 Stars
Lemonade is a standout in the pet insurance world thanks to its user-friendly, tech-driven approach. Customers love Lemonade’s speedy claims process powered by AI, which makes managing pet insurance hassle-free. Their transparent policies, affordable rates, and customizable coverage options have earned them rave reviews.
However, a few customers have noted that Lemonade’s coverage is unavailable in some states, and it doesn’t include pre-existing conditions. That said, it remains a top contender for budget-conscious pet parents looking for reliable protection.
Key features:
- Fast, AI-powered claims processing through the Lemonade app.
- Affordable monthly premiums starting as low as $10.
- Customizable plans for accidents, illnesses, and wellness coverage.
- Preventative care add-ons, including vaccinations and dental cleanings.
- Multi-pet discounts for households with more than one pet.
- Donates unused premiums to charities.
2 – Fetch
Rating: 4.5/5 Stars
Customers rave about Fetch’s customer service and coverage. Their representatives are responsive and transparent, working hard to ensure you get the service you pay for.
Some had faced issues when there was uncertainty regarding pre-existing conditions, and some were frustrated with the early stages of the process, specifically submitting their dog’s medical records. But this appears to be a rare occurrence.
Key features:
- Highly comprehensive pet insurance.
- Reimbursement of up to 90% available.
- There is no enrollment fee, and you can cancel anytime.
- Coverage includes sick-visit exam fees, behavioral therapy, and alternative/holistic care.
- There are no age limits!
- Claims are easy and fast, and so is repayment once the claim is approved.
- Hereditary conditions are covered at no additional cost.
- You are covered with any licensed vet in the U.S. or Canada.
- Free quotes (including breed-specific quotes)
3 – Odie
Rating: 4/5 Stars
Odie is gaining popularity for its affordable pricing and flexible coverage options. Customers appreciate Odie’s transparency—there are no hidden fees, and the plans are easy to understand and customize. Odie’s coverage includes everything from accidents and illnesses to routine care, making it a versatile choice for pet owners.
That said, some customers have reported that wellness add-ons can increase the cost of more comprehensive plans. Overall, Odie is a reliable choice for pet parents who want great coverage without breaking the bank.
Key features:
- Flexible plans: accident-only, accident + illness, and wellness add-ons.
- Affordable and customizable deductibles and reimbursement rates.
- Transparent pricing with no hidden fees.
- Fast claims processing and straightforward reimbursements.
- Alternative care options like acupuncture and chiropractic treatments.
- Multi-pet discounts available for additional savings.
4 – Figo
Rating: 4/5 Stars
If you are concerned about slow claim processing times, Figo is worth considering. Customers report claim processing times of less than 24 hours! Their app and online support make the claims process straightforward.
With that said, some reviewers complain about the approval rate for routine care, but more severe claims are often denied. Like with all pet insurance companies, we recommend reading through your policy thoroughly and taking the time to document your dog’s health problems during the registration process.
Key features:
- No per-incident caps
- Offer coverage for curable pre-existing conditions
- The average claim closes in 2.6 working days.
- Preventative care coverage options available.
- 24/7 access to licensed vets in the case of emergencies
- One of the highest reimbursement rates available (up to 100%)
- Flexible plan options.
- Coverage includes common illnesses, accidents and emergencies, preventative care, chronic conditions, hereditary disorders, congenital disorders, cancer treatments, vet exam fees, and more.
5 – Pumpkin
Rating: 5/5 Stars
Pumpkin is known for its transparency and clear-cut services, so they’ve earned a rare 5-star rating from us. Reviewer after reviewer praises the company for staying true to their policy and promises.
Their customer service is raved about, and the speed and ease of their claims process are noteworthy. Of all the wellness plans on this list, Pumpkin’s has the lowest rating.
Key features:
- 90% cash back on eligible vet bills.
- 4 annual deduction options ($100, $250, $500, or $1000).
- Adjustable annual limit from $10,000 to unlimited.
- Multi-pet discount.
- No maximum age limit.
- Wellness package add-on available.
- No hidden fees or breed and age restrictions.
- Coverage for illnesses covered by vaccines.
- Coverage for cancer and growth treatment.
- Prescription medication coverage
- Coverage for hereditary conditions, behavioral issues, alternative therapies, virtual vet visits, and exams for accidents and illnesses.
- Their benefits and exclusions are listed on their website, offering complete transparency.
6 – Embrace
Rating: 4.5/5 Stars
Customers have nothing but good things to say about Embrace’s customer service and speedy claims/reimbursement process. According to one reviewer, the process is “Easy, easy, easy!”
Key features:
- Unlimited reimbursement.
- Easy claims process.
- Coverage for breed-specific, congenital, and chronic conditions available. Including exam/consultation fees, treatments, surgery, hospitalization, specialty care, follow-up care, behavioral therapy, mobility aid (including prosthetics), dental illness, and prescription medications.
- Curable pre-existing conditions are covered.
- 24/7 pet health line.
- Policy personalization available.
- Wellness Rewards for routine exams, grooming, spay/neuter surgery, and other preventative care.
- No age limitations.
7 – Trupanion
Rating: 4.5/5 Stars
Trupanion is a well-trusted pet insurance provider with excellent reviews across the board. Customers gush over their customer service representatives and how they go above and beyond to provide support.
Their coverage is exemplary, and they are a rare provider offering real-time payouts. However, the occasional negative reviews indicate some inconsistencies and loopholes. If you choose Trupanion, we highly recommend becoming familiar with the details of your policy.
Key features:
- Unlimited payouts for life.
- Real-time payouts at checkout. No reimbursement and no waiting.
- Coverage includes hereditary conditions, unidentified issues, unexpected injuries, advanced dentistry, and breed-specific conditions.
- Coverage includes allergies, medications, herbal therapy, prescription food, and more.
- Up to 90% of your bill could be covered.
Alternative Plan Types
Pet Assure – Wellness Plan Option
Rating: 4/5 Stars
Pet Assure is one of the most well-respected wellness plan providers. Their coverage does not include accidents or illnesses, but those looking for flexible preventative care only find that Pet Assure is an excellent option.
They claim to have a fast claim and re-payment process. However, we could not find any customer reviews on the topic to confirm.
Key features:
- Wellness Plans ONLY
- Excellent flexible wellness coverage.
- Budget-friendly options that include coverage for wellness visits, vaccinations, routine bloodwork, fecal or urine tests, preventative and even grooming.
- Pets with pre-existing conditions are covered.
- No waiting periods!
- Quotes are FREE.
- Fast reimbursement.
In our experience
No pet insurance company is perfect. There will always be loopholes and policy limitations, but that’s the case for all forms of insurance. No matter what provider you choose, take time to thoroughly review your policy and make sure you fully understand the claim submission process.
These seven pet insurance providers made it on the list because they all offer exceptional coverage, and user after user reports positive experiences working with their customer service representatives. You know your dog and what you need from your insurance.
Do a little digging, get a few quotes, and find the perfect pet insurance policy to help you care for your pup easily.
