5 Best Pet Insurance Companies (March 2023)

• Deductibles: $100, $250 or $500
• Annual coverage limits: $5,000, $10,000, $20,000, $50,000 or $100,000
• Reimbursement rates: 70%, 80% or 90%

Lemonade’s plans are affordably priced. Customers can choose from various coverage limits, reimbursement rates, and deductible options. The company offers a comprehensive wellness plan for routine care coverage.

It also offers an inexpensive add-on for those who want all vet expenses and fees included in their policy, plus extra coverage for acupuncture and therapy. Finally, the company has a unique mobile app with AI technology for claims filing and enrollment, making managing your policy smooth and easy.

Lemonade offers one primary accident-and-illness plan with three add-on options:

• Preventive care
• Vet visit fees
• Physical therapy

Exclusions include preexisting conditions, behavioral treatments, elective cosmetic procedures, and dental care.

Based on our research, monthly premiums for standard Lemonade policies cost $15–$30 per month for dogs and $9–$15 per month for cats.

We read more than 100 customer reviews on the Better Business Bureau (BBB) and Trustpilot for each provider on this list. The biggest customer complaint for Lemonade is denied claims, though this could be due to customers filing claims that aren’t covered by their policy, since many other customers reported having no issue with claim approval.

 Here’s a look at both the positive and negative comments.

“Easy claim procedure and fast payment. Always responsive to my questions. I love Lemonade!” —Mary S. via BBB

“I had pet and rental insurance through them for a year. And I regret ever setting up the policies. Any claim I put through even when clearly covered under my policy was denied.” —Jeanette P. via BBB

• Deductibles: $100, $250, $500, $750 or $1,000
• Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or unlimited
• Reimbursement rates: 70%, 80% or 90%

Spot provides seven annual limit options from $2,500 to unlimited, plus three reimbursement levels and five annual deductibles. It also has one of the cheapest plans for accident-only coverage, making it ideal for pet owners who only need minimal coverage.

Spot provides two standard plans for accident-only or accident-and-illness coverage. It includes coverage for exam and vet visit fees, plus offers two wellness plans at flat rates for routine care. Each plan is customizable with options for reimbursements, annual coverage limits, and annual deductibles.

Here’s an overview of each Spot plan and additional coverage option:

• Accident-only plan
• Accident-and-illness plan
• Gold preventive care
• Platinum preventive care

Note: Spot’s Accident-Only Plan’s premiums don’t change based on your pet’s age or breed. Exclusions include preexisting conditions, cosmetic procedures, and breeding costs.

Based on our research, monthly premiums for standard Spot policies are $15–$25 per month for dogs and $10–$15 per month for cats.

Customers reported overall positive experiences with Spot. Some complained about having claims they felt should have been approved denied as preexisting, but as with Lemonade, this could be from not understanding policy terms about what’s considered a preexisting condition. 

Here’s a look at both the positive and negative comments customers have left about Spot:

“Spot Pet Insurance was the best decision I could make for my playful pup! I spent a lot of time researching the best insurance and Spot was hands down the best choice to provide the most comprehensive care with the best reimbursement.” —Elizabeth B. via BBB

“Slow review of claims, and denied coverage for teeth cleaning, which is explicitly included on an annual basis in the policy, because it was performed in conjunction with teeth extractions for gingivitis (which they determined to be a preexisting condition as to all teeth because my cats had mild gingivitis on a couple teeth as kittens. Called to dispute and got nowhere). I told them I would like to cancel my policy because of this coverage denial, and they canceled coverage effective immediately in the middle of a payment period that I had already paid my premium for. I emailed the same day asking them to reinstate coverage through to the end of the payment period and they refused.” —Allyson C. via BBB

• Deductibles: $200, $300, $500, $750 or $1,000
• Annual coverage limits: $5,000, $8,000, $10,000, $15,000 or $30,000
• Reimbursement rates: 70%, 80% or 90%

We recommend Embrace for anyone who wants to prioritize affordability. The provider offers ways to lower your premium with five deductible options and a Healthy Pet Deductible benefit that reduces your deductible $50 each year that you don’t file a claim.

Embrace offers one accident-and-illness plan. It excludes preexisting conditions and aesthetic, cosmetic, or elective procedures.

Embrace also offers an optional Wellness Rewards add-on for routine care, such as vet exams.

Based on our research, monthly premiums for standard Embrace policies are $25–$55 per month for dogs and $20–$30 per month for cats.

Note: The Wellness Rewards plan is not available in Rhode Island.

Customer reviews of Embrace are generally positive. Many customers say the company is communicative and transparent, while others say the provider rarely reimburses their claims. 

Here’s a look at both the positive and negative comments customers have left about Embrace:

“They are everything they claim to be. I have a policy I can rely on, understand all costs and no hidden fees. It’s refreshing to find a company, any company that is honest and clear.” —Lonnee S. via BBB

“Extremely long [wait] times for claims. Clunky mobile app, difficult to upload information.” —A.S. via BBB

• Deductibles: $250 or $500
• Annual coverage limits: Unlimited
• Reimbursement rates: 70% or 80%

*Policies that cover pets over six years old come with lower reimbursement rates (50% to 70%) and higher annual deductibles ($500 to $1,000).

We like Healthy Paws’s straightforward approach to pet insurance, even if that means recommending you to a different provider. Its goal is to connect you to the best coverage for the best price, so it offers a quote tool with a comparison feature that recommends other pet insurance providers when your quoted premium is higher than average.

Healthy Paws offers one accident-and-illness plan without any add-on options. Coverage includes procedures and related costs, such as cancer treatments, diagnostics, surgery, hospitalization, ultrasounds, blood tests, X-rays, emergency care, specialty care, alternative treatments, and prescription medications.

Healthy Paws also covers hereditary conditions, chronic conditions, and congenital conditions as long as your pet’s symptoms manifest after the effective policy start date and 15-day waiting period.

Exclusions include preexisting conditions, spaying or neutering, dental care, preventive care, elective procedures, and hip dysplasia treatments within the first 12 months of the policy. If your pet is over six years old, you won’t be able to customize your plan and it will come with either a 50% or 70% reimbursement rate and a $500 or $1,000 deductible co-payment.

Based on our research, monthly premiums for standard Healthy Paws policies are $30–$65 per month for dog insurance and $20–$30 per month for cat insurance.

Many customers praise Healthy Paws for genuinely caring about their pets’ well-being. However, some have complained that their premiums were unexpectedly raised as their pet got older. 

Here’s a look at both the positive and negative comments customers have left about Healthy Paws:

“Amazing company! Never had any issues sending claims and getting approvals and reimbursed. Fast, easy, and always reliable! My baby got injured and had back surgery and we got reimbursed within about 1 week. Much better than my own health coverage.” —Julie N. via BBB

“Absolutely disappointed in them. Just another typical insurance company. Was a customer for 5 years. In trying to submit my first claim I hit roadblock after roadblock. Every time I submitted what was asked for another thing was needed. Also lack of communication. Do not use.” —Marc V. via BBB

• Deductibles: $100, $250 or $500
• Annual coverage limits: $3,000, $4,000, $5,000, $7,000 or $10,000
• Reimbursement rates: 70%, 80% or 90%

ASPCA is well-known in the pet community for caring about pets’ well-being. The organization offers many helpful resources for pet owners to encourage proper pet care. For instance, you can use the vet finder tool on its website or mobile app to find local vets near you. You can also find information on various pet breeds and their common health needs on its website.

ASPCA Pet Health Insurance offers two plans: one for accident-only coverage and one that covers accidents and illnesses. Like most other companies, it doesn’t cover preexisting conditions, breeding or pregnancy issues, cosmetic procedures, and elective surgeries.

You can select reimbursement rates, annual deductibles, and annual coverage limits options to customize your premium. Here’s an overview of ASPCA’s plan options and two wellness add-ons:

• Accident-only coverage plan
• Complete coverage plan
• Basic preventive plan
• Prime preventive plan

Based on our research, monthly premiums for standard ASPCA Pet Health policies are $15–$25 per month for dogs and $10–$20 per month for cats.

The 100+ reviews we analyzed for ASPCA were mixed. Some customers reported good service, but many cited frequent price increases. 

Here’s a look at both the positive and negative comments customers have left about ASPCA:

“Customer service is always friendly and professional. Claims processing and payment of claims has been in a very acceptable time frame. I was disputing an unpaid claim, and they contacted my vet’s office, got the information they required and I received my reimbursement within about 5 days.” —Rowena via Trustpilot

“I have been a customer for 2 years and this year they are choosing to raise my rate 26%!! No rhyme or reason … This company does not care about their customers!! My cat is only 7 years old and her insurance rate is going from $40 to $53 for no logical reason. I am incensed and trapped. Do not [i]nsure your pet with ASPCA insurance!” —Steph C. via BBB