Pet insurance research & comparison for dogs and cats. Provider data reviewed September 2026
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Provider research

Pet Insurance Providers

Browse leading pet insurance providers and compare the policy details that matter most: reimbursement, deductibles, annual limits, claims model, waiting periods and coverage features.

7 providers
LEMONADE
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Reviewed Sep. 2026

Lemonade

Digital-first accident-and-illness coverage with customizable reimbursement, annual deductible and annual-limit options, plus optional add-ons and preventive care.

Reimbursement70% / 80% / 90%
Deductible$100–$750
Annual limit$5K–$100K
ClaimsDigital reimbursement
Read Review Visit Provider → Official provider website
PETS BEST
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Reviewed Sep. 2026

Pets Best

Customizable accident-and-illness coverage with Direct Vet Pay, digital claims, a 24/7 Pet Helpline and optional routine-wellness coverage.

Reimbursement70% / 80% / 90%
Deductible$50–$1,000
Annual limit$5K / $10K / Unlimited
ClaimsDirect pay + reimbursement
Read Review Visit Provider → Official provider website
FETCH
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Reviewed Sep. 2026

Fetch

Accident-and-illness coverage with sick-visit exam fees, dental disease and injury, behavioral care, virtual-vet benefits and optional wellness coverage.

Reimbursement70% / 80% / 90%
Deductible$250–$2,500 common
Annual payout$5K / $10K / $15K
ClaimsReimbursement
Read Review Visit Provider → Official provider website
SPOT
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Reviewed Sep. 2026

Spot

Accident-and-illness or accident-only coverage with broad annual-limit choices, exam-fee coverage for covered conditions, and preventive-care add-ons.

Reimbursement70% / 80% / 90%
Deductible$100–$1,000
Annual limit$2,500–Unlimited
ClaimsReimbursement
Read Review Visit Provider → Official provider website
EMBRACE
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Reviewed Sep. 2026

Embrace

Accident-and-illness coverage with dental illness, behavioral care and complementary therapies included, plus optional exam-fee, prescription and wellness benefits.

Reimbursement70% / 80% / 90%
Deductible$200–$1,000
Annual limit$2K–Unlimited
ClaimsReimbursement
Read Review Visit Provider → Official provider website
TRUPANION
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Reviewed Sep. 2026

Trupanion

Medical-insurance model with 90% coverage of eligible costs, lifetime per-condition deductibles, unlimited payouts and VetDirect Pay at participating hospitals.

Coverage share90%
Deductible$0–$1,000 per condition
Payout limitUnlimited
ClaimsVetDirect Pay + reimbursement
Read Review Visit Provider → Official provider website
PUMPKIN
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Reviewed Sep. 2026

Pumpkin

Accident-and-illness coverage with 80% or 90% reimbursement, broad included benefits, unlimited-limit availability and PumpkinNow urgent-pay support for eligible claims.

Reimbursement80% / 90%
Deductible$100 / $250 / $500 / $1K
Annual limit$5K–Unlimited
ClaimsReimbursement + urgent pay
Read Review Visit Provider → Official provider website

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Our research framework

Built for direct comparison.

Each provider profile follows the same policy fields so differences are easier to see before you move to a personalized quote.

Coverage structureAccident, illness, hereditary, dental, behavioral and optional routine-care benefits.
Policy economicsReimbursement percentage, deductible design and annual payout limits.
Claims modelReimbursement, direct-pay capabilities and expedited-payment features.
Waiting periodsAccident, illness and condition-specific timing based on current provider materials.
Review cycleProvider data is dated so policy changes can be tracked over time.