🐾 Pet Insurance Rankings
Best Pet Insurance
We reviewed 16 pet insurance providers to find the best coverage options for your furry friends. Here are the top 5 for 2026.
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Figo
Pet insurance for modern pet parents
Figo leads the pet insurance market with an excellent mobile app, fast claims processing, and flexible coverage options.
Pros
- Excellent mobile app
- Fast claims processing
- Flexible plans
- Good customer service
Cons
- Waiting periods
- Pre-existing conditions excluded
Pets Best
Affordable pet insurance
Pets Best offers affordable pet insurance with good coverage and customizable options for different breeds.
Pros
- Affordable premiums
- Good coverage
- Fast reimbursement
- Breed-specific options
Cons
- Limited customer support
- Older website
Embrace Pet Insurance
Pet insurance with heart
Embrace offers comprehensive pet insurance with unique wellness rewards and behavioral training support.
Pros
- Comprehensive coverage
- Behavioral training included
- Good customer service
- Wellness rewards
Cons
- Higher premiums
- Limited availability in some states
Lemonade Pet Insurance
Insurance made easy
Lemonade brings simplicity and transparency to pet insurance with AI-powered claims processing.
Pros
- Transparent pricing
- Easy claims process
- Good mobile app
- Fast payouts
Cons
- Limited coverage options
- Newer company
Trupanion
Direct vet payment
Trupanion offers direct vet payment and unlimited coverage for comprehensive pet protection.
Pros
- Direct vet payment
- Unlimited coverage
- No deductible option
- Good for chronic conditions
Cons
- Higher premiums
- Limited wellness coverage
Quick Pick
Best Overall
Figo
Best Value
Pets Best
Best Alternative
Embrace Pet Insurance
Data Freshness
How We Rank
Our AI analyzes 50+ data points per provider, verified by expert testers.
Read methodologySide-by-Side Comparison
| Provider | Score | Price | Best For | Features | Rating | Action |
|---|---|---|---|---|---|---|
| Figo | 9.6 | $10/mo (avg) | Tech-savvy pet owners | Accident & Illness, Wellness Add-On | ⭐ 9.6/10 | Visit |
| Pets Best | 9.3 | $8/mo (avg) | Budget-conscious pet owners | Accident & Illness, Wellness Coverage | ⭐ 9.3/10 | Visit |
| Embrace Pet Insurance | 9 | $12/mo (avg) | Comprehensive coverage | Accident & Illness, Wellness Rewards | ⭐ 9/10 | Visit |
Custom Comparison
Compare Pet Insurance
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Top Pick
NordVPN — Score: 9.8/10