)
Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.
)
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
)
)
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
If you’re looking for pet insurance, you could find more than 50 options for companies that sell coverage for pets in the U.S.[1] While some things are standard across all pet insurers, like coverage limits, deductibles, and reimbursement rates, premiums can vary widely.
Using our proprietary data and hours of research, we’ve identified the best pet insurance companies worth comparing so you don’t have to. Here’s what we learned about top insurers, their average costs, coverages, and more.
Lemonade typically offers the cheapest pet insurance premiums, but companies like Pumpkin and Figo leave fewer coverage gaps.
Most companies allow you to choose your deductible, reimbursement rate, and annual limit, all of which affect your premium.
The average monthly cost of pet insurance for dogs is $43, according to our data. For cats, the monthly average is $23.
The Best Pet Insurance Companies, Ranked
When choosing a pet insurance company, consider factors like:
The monthly cost
Coverages, including optional add-ons
Reimbursement options
The insurer’s reputation for customer service
Based on those metrics and others, these are our top picks for the best pet insurance companies.
Pumpkin: Best value for comprehensive coverage
Pumpkin isn’t the cheapest pet insurer on our list, but it offers more extensive coverage than other companies in the same price tier.
For a national average premium of $67 for dogs and $29 for cats, you’ll get coverages many other companies exclude. For example, Pumpkin covers dental illness, behavioral conditions, alternative therapies, and vet exam fees.[2]
Pumpkin also has an excellent Trustpilot rating and covers pets of all ages and breeds.
Pets Best: Best for direct vet pay or accident-only coverage
Pets Best offers affordable plans that cover veterinary treatment for most accidents and illnesses. In most states, a fixed-rate accident-only plan costs $9 per month for dogs and $6 per month for cats. The accident-only plan covers up to $10,000 per year.
Pets Best also offers customizable accident and illness policies. These policies come with the option to pay participating vets directly so you don’t have to worry about credit card debt while you wait for reimbursement.[3]
Figo: Best for customized premiums or unlimited coverage
Figo is one of the few pet insurance companies that offers up to 100% reimbursement with unlimited annual and lifetime coverage. The company also offers fast claims processing, cloud storage for your pet’s records and data, and access to vet advice 24/7.
Its premiums are relatively affordable, too. And you can choose from a range of deductibles and reimbursement rates to customize your policy.
Lemonade: Best for affordability and fast claims
Lemonade’s base policy is one of the cheapest in the industry, with a national average premium of just $26 for dogs and $15 for cats. Lemonade’s plans cover diagnostics, procedures, and medication for a variety of common accidents and illnesses.
The company also offers a few discounts and is known for its highly rated mobile app[4] and fast digital claims.
Lemonade offers several coverage add-ons, but if you want more comprehensive coverage, we recommend checking out other companies. You may get a better value.
AKC: Best for pets with pre-existing conditions
AKC is the only major pet insurance company that covers chronic pre-existing conditions — both curable and incurable — after a one-year waiting period.[5] It can be a great choice for pets with symptoms of allergies, GI disorders, or other chronic illnesses.
You can also add hereditary conditions coverage for an additional premium. But the company won’t cover dental illness, and its pre-existing conditions coverage isn’t available in every state.
How Pet Insurance Works
Most pet insurance companies offer accident and illness policies that cover veterinary treatments for a variety of conditions. Each pet insurance policy contains exclusions, and most companies exclude pre-existing conditions.
You typically need to file a claim for reimbursement after paying your vet, though a few pet insurance companies offer direct vet payment.[6]
After you file a claim online, your pet insurance company typically reimburses you for 70%–100% of the bill after your deductible — the flat amount you’re responsible for each year or over the policy term. Your policy may also cap annual or lifetime payouts.
You can often choose your deductible, reimbursement rate, and annual limit, and each will have an affect on how much you pay each month.
Some pet insurers allow you to add a wellness plan, which covers routine care services like annual exams.[7] Some companies also offer accident-only plans, which provide affordable coverage for accidents like broken bones and toxic ingestion.
“Pet parents should get their fur babies covered as early in life as possible, ideally starting when they’re young, with a clean bill of health. Many policies have exclusions for pre-existing conditions, so if you’re looking to obtain coverage in the midst of an active health concern, insurance likely won’t cover the current problem.”
Dr. Rebecca Greenstein, B.Sc., D.V.M.
How to Compare Pet Insurance Companies)
Making the right choice for your pet requires a little research, but we’ve got a few tips to help you compare your options.
1. Consider your pet’s age, breed, and healthcare needs
If you have a senior pet or a breed with health risks, you may find your options limited. If you’re raising a puppy or kitten, a robust wellness package could help you save on initial vet costs like spaying or neutering, microchipping, and vaccinations.
If your vet records show symptoms of a health condition, or if your pet’s breed is prone to certain health issues, you may want to consider policies that offer coverage for congenital and hereditary conditions.
2. Evaluate your budget
Check your finances before customizing your coverage. For example, if you have plenty of savings, you could choose a higher deductible or lower reimbursement rate to save money on monthly premiums. If you have a low income and no emergency fund, a wellness plan can help you pay for routine care that could help prevent future costly issues or detect them sooner.
All pet parents should pay attention to the annual limit, says Dr. Rebecca Greenstein, a doctor of veterinary medicine.
“Don’t choose a policy with a particularly low ceiling of coverage,” she says, adding that a simple injury like a broken leg costs between $4,000 and $6,000 to treat.
3. Check pet insurance company ratings and reviews
Before buying a policy, check the pet insurance company’s reputation with:
Trustpilot: Check the company’s overall rating and read customer reviews for red flags.
AM Best: The underwriter for your policy should have a high financial strength grade.
National Association of Insurance Commissioners (NAIC): A low complaint index indicates that policyholders are relatively satisfied.
Compare.com: Check our pet insurance company reviews for important details and considerations.
4. Compare pet insurance quotes
Each pet insurance company considers factors like your pet’s age and breed, but each company may weigh those factors a bit differently when calculating your premium. Some companies may also offer cheaper coverage in certain states or offer more flexibility to choose coverage that fits your budget.
It’s wise to compare quotes to find the best deal for the coverage you need.