Best Pet Insurance in Delaware (2024 Guide)

Spot has the most customizable policies out of all the providers listed here. Pet owners can tailor their plans to fit their budgets with Spot’s two plans, five deductibles, and seven annual coverage limits (with an option for unlimited coverage).  

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

Learn more: Spot Pet Insurance Review

Spot scored 91 out of 100 for its budget-friendly, customizable coverage. Spot offers both an accident-and-illness and accident-only plan along with three reimbursement rates, seven annual limits, and five annual deductibles.

Unlike many providers, Spot covers microchip implantation in its standard plan. Other providers cover it if you pay more for a monthly add-on. According to the Delaware SPCA, one in three pets will become lost, and 90% never make their way back without proper identification. With microchipping coverage from Spot, you’re more likely to welcome your lost pet home.

Spot covers curable preexisting conditions, such as ear infections and diarrhea, as long as your pet has not had symptoms or treatment for the condition in 180 days.

Healthy Paws is worth considering if you’re looking for an affordable pet insurance plan with unlimited coverage. 

• Deductibles: $250 or $500
• Reimbursement options: 70%, 80%, 90%
• Annual coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance Review

We scored Healthy Paws 93.5 out of 100. We were impressed with its unlimited coverage, which is more affordable than competitors’ unlimited plans. The company also has no per-incident, annual, or lifetime caps, ensuring you never have to worry about exceeding your limit and paying out of pocket.

Healthy Paws offers one accident-and-illness policy covering procedures and treatments related to diagnosis and care for your pet’s injuries, illnesses, or health conditions. The company’s base plan also covers alternative therapies such as acupuncture, homeopathy, laser therapy, and physical therapy.

Embrace offers a diminishing deductible that reduces your annual deductible by $50 each year you don’t submit a claim. 

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

Learn more: Embrace Pet Insurance Review

Embrace scored 93.5 out of 100 for its five pet insurance deductible options—more than other competitors on this list. The company also offers a “Healthy Pet” diminishing deductible that reduces your deductible by $50 each year you do not submit a claim. This could eventually bring your deductible down to $0.

Embrace’s comprehensive accident-and-illness plan covers dental illnesses, genetic conditions, and alternative therapies. It guarantees coverage for any injury or illness that is not preexisting. Its wellness plan—offered at three reimbursement levels ($250, $450, and $650)—reimburses routine veterinary care, including exam fees, vaccinations, grooming, and microchipping.

Fetch Pet Insurance is our top choice for holistic coverage. It covers treatments such as chiropractic care, stem cell therapy, and hydrotherapy in its standard plan. 

• Deductibles: $250, $300, $400
• Reimbursement options: 70%, 80%, 90%
• Annual coverage limits: $5,000, $10,000, $15,000

Learn more: Fetch Pet Insurance Review

Fetch scored 91.5 out of 100 for its extensive coverage of alternative therapies in its base plan, including acupuncture, chiropractic care, hydrotherapy, homeotherapy, and stem cell therapy. Its standard accident-and-illness plan also covers advertising and rewards for lost pets, emergency boarding fees, and dental illnesses.

Fetch provides more savings opportunities than any other company on this list. It stands out for its “Healthy Pet” credit, which gives policyholders 15% off their monthly premium if they don’t file a claim in a year. The savings cap at 30% if customers go more than 2 years without filing.

Figo offers an Extra Care Pack add-on that covers unique circumstances outside the vet’s office, such as vacation cancellation fees due to a pet’s illness or emergency.

• Deductibles: $100, $250, $500, $750, $1,000, $1,500 (can vary depending on your pet’s age and breed)
• Reimbursement options: 70%, 80%, 90%, 100%
• Annual coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance Review

Figo scored 93 out of 100, standing out from other providers for its three unique “powerups,” or add-on packages. The wellness powerup (offered at a basic and premium level) reimburses preventive care such as vaccinations, spay/neuter surgery, blood work, and heartworm testing. The vet exam powerup covers vet fees associated with diagnosing or treating an illness or injury.

Figo’s most impressive powerup, the Extra Care Pack, covers the costs of special circumstances. This includes boarding fees, cremation and burial, lost pet advertising and reward, and up to $10,000 in third-party property damage caused by your pet.

Wagmo is the only provider on our list that offers a stand-alone wellness plan without the purchase of a standard pet insurance policy.  

• Deductibles: $250, $500, $1,000
• Reimbursement options: 90% or 100%
• Annual coverage limits: $10,000 per-incident cap; $20,000 annual cap; $100,000 lifetime cap

Get a quote: Use Wagmo’s online quote form

Wagmo scored 90 out of 100 for giving customers the option of a stand-alone wellness plan, an accident-and-illness plan, or both. It’s the only provider on this list with a separate wellness plan, which is offered at three different levels ($350, $650, or $1,100).

Wagmo has a few limits in place, including a $10,000 per-incident cap, a $20,000 annual cap, and a $100,000 lifetime cap. According to Wagmo’s research, pet owners can expect to pay up to $20,000 on annual care over their pet’s life, making Wagmo’s $100,000 lifetime cap more than enough. In addition, Wagmo offers the highest reimbursement rates of 90% or 100%.

Trupanion stands out for several unique features, primarily its vet direct payments and flexible deductible.

• Deductibles: Customers select a per-condition deductible between $0 and $1,000 (in $5 increments)
• Reimbursement options: 90%
• Annual coverage limits: Unlimited

Learn more: Trupanion pet insurance Review

Trupanion scored 89.5 out of 100, standing out for its vet direct payments. Policyholders only have to pay their portion of their vet bill at checkout (as opposed to paying it in full and waiting for reimbursement).

Trupanion has one robust accident-and-illness plan with 90% reimbursement and no payout caps. Another unique feature is that customers can choose their own deductible amount, anywhere between $0 and $1,000 (in $5 increments). Trupanion also offers three add-on packages that cover alternative treatment costs, special circumstances, and breeding-related costs.