🐾 Ranked by real Reddit community reviews
Best Pet Insurance Plans 2026
We scrape Reddit posts weekly so you get honest, community-sourced rankings — not paid placements.
21
Plans compared
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62
Reddit posts
Apr 30
Last pull
Showing 21 plans
Not Yet Analyzed21 plans
Lemonade Pet
Young pets & first-year preventive care
ComprehensiveAccident Only
4 Reddit postsPulled Apr 28
Monthly cost
~$30/mo
Reimbursement
70%, 80%, 90%
Annual max
$10,000–$100,000
Deductible
$100–$500
Illness wait
14 days
Age range
Under 14 years
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/DogAdviceLemonade pet insurance "pre-existing "↑3
- r/puppy101Costco Figo pet insurance↑1
- r/PetAdviceHow does pet insurance work?↑0
Pets Best
Budget-conscious owners with any age pet
ComprehensiveAccident Only
9 Reddit postsPulled Apr 30
Monthly cost
~$32/mo
Reimbursement
70%, 80%, 90%
Annual max
Unlimited
Deductible
$50–$1,000
Illness wait
14 days (varies by state)
Age range
7 weeks and up (no upper limit)
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/PetsSomeone fraudulently signed me up for pet insurance for their dog "Simba"↑11
- r/Petspet insurance experience? probable chushings disease in 9 yo dog.↑5
- r/PetsSomeone fraudulently signed me up for pet insurance for their dog "Simba"↑3
Petco Insurance
Exotic pet owners & Petco members
ComprehensiveAccident Only
3 Reddit postsPulled Apr 26
Monthly cost
~$35/mo
Reimbursement
50%, 70%, 80%, 90%
Annual max
$500–Unlimited
Deductible
$100–$500
Illness wait
14 days
Age range
Any age
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/catsJiji 💕🥺↑9
- r/catsMystic Puzzle of the Day: Will Pet Insurance Reimburse Petco’s Vetco Package?↑4
- r/catsDo you have pet insurance? If so, how much do you pay per month and how high is your deductible?↑1
Odie Pet Insurance
Budget-conscious owners wanting simple coverage
ComprehensiveAccident Only
No Reddit data yet
Monthly cost
~$35/mo
Reimbursement
70%, 80%, 90%
Annual max
$10,000–Unlimited
Deductible
$250–$500
Illness wait
14 days
Age range
8 weeks and up
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonHartville Pet Insurance
Budget-friendly with no age limit
ComprehensiveAccident Only
2 Reddit postsPulled Aug 9
Monthly cost
~$36/mo
Reimbursement
70%, 80%, 90%
Annual max
Unlimited
Deductible
$100–$500
Illness wait
14 days
Age range
Any age
✓ Curable conditions no longer pre-existing after 180 symptom-free days (except knee/ligament)
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/dogsIs it even worth it to keep my 12 (almost 13) year old dog on pet insurance when most of her medical care is pre-existing (allergies) or should I take the monthly fee for insurance and put it in a savings account only for her medical bills?↑5
- r/puppy101Can't insurance pet insurance annual limit↑1
AKC Pet Insurance
AKC members & long-term coverage of prior conditions
ComprehensiveAccident Only
6 Reddit postsPulled Apr 29
Monthly cost
~$37/mo
Reimbursement
70%, 80%, 90%
Annual max
Unlimited
Deductible
$100–$500
Illness wait
14 days
Age range
Any age
✓ Pre-existing conditions may be covered after 1 year of continuous coverage
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/PetsRecommendations for pet insurance for cat age 11 with preexisting conditions?↑5
- r/PetsRecommendations for pet insurance for cat age 11 with preexisting conditions?↑1
- r/PetAdviceAKC Pet Insurance and Entropion↑1
ManyPets
Simple coverage with no payout caps
ComprehensiveAccident Only
1 Reddit postsPulled Jan 19
Monthly cost
~$38/mo
Reimbursement
80%
Annual max
Unlimited
Deductible
$250
Illness wait
State-dependent
Age range
Any age
✓ Most conditions no longer pre-existing after 18 symptom-free months
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/CatAdviceMixed breed vs 'crossbreed' – cat insurance help↑3
PetPartners
AKC/CFA members wanting flexible deductible types
ComprehensiveAccident Only
No Reddit data yet
Monthly cost
~$39/mo
Reimbursement
70%, 80%, 90%
Annual max
$5,000–Unlimited
Deductible
$200–$500
Illness wait
14 days
Age range
Any age (including seniors)
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonPrudent Pet Insurance
Full coverage with exam fees and alternative therapies
ComprehensiveAccident Only
No Reddit data yet
Monthly cost
~$40/mo
Reimbursement
70%, 80%, 90%
Annual max
$5,000–Unlimited
Deductible
$100–$500
Illness wait
14 days
Age range
8 weeks and up (no upper age limit)
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonFigo Pet Insurance
Maximum reimbursement & tech-forward owners
Comprehensive
6 Reddit postsPulled Apr 26
Monthly cost
~$41/mo
Reimbursement
70%, 80%, 90%, 100%
Annual max
$5,000–Unlimited
Deductible
$100–$750
Illness wait
14 days
Age range
Any age (no upper limit)
✓ Curable pre-existing conditions eligible after 12 symptom-free months
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/PetsCan anyone tell me what this means in regards to pet insurance?↑7
- r/puppy101Costco Figo pet insurance↑2
- r/puppy101Costco Figo pet insurance↑1
Paw Protect
Per-condition deductible model like Trupanion
Comprehensive
No Reddit data yet
Monthly cost
~$43/mo
Reimbursement
90%
Annual max
Unlimited
Deductible
$0 per condition (lifetime per condition)
Illness wait
14 days
Age range
8 weeks–10 years at enrollment
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonASPCA Pet Insurance
Behavioral coverage & no age restrictions
ComprehensiveAccident Only
6 Reddit postsPulled Apr 19
Monthly cost
~$44/mo
Reimbursement
70%, 80%, 90%
Annual max
$3,000–$10,000
Deductible
$100–$500
Illness wait
14 days
Age range
Any age
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/puppy101Pet insurance - which one to choose? 14 week Sheltie had for 6 days.↑3
- r/CatAdviceHas anyone used Prudent Pet↑2
- r/catsPlease be careful with your medications!↑2
Spot Pet Insurance
Flexible coverage with customizable limits
ComprehensiveAccident Only
No Reddit data yet
Monthly cost
~$44/mo
Reimbursement
70%, 80%, 90%
Annual max
$2,500–Unlimited
Deductible
$100–$500
Illness wait
14 days
Age range
8 weeks and up (no upper age limit)
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonEmbrace Pet Insurance
Pets with prior health history
ComprehensiveAccident Only
2 Reddit postsPulled Apr 15
Monthly cost
~$45/mo
Reimbursement
70%, 80%, 90%
Annual max
Unlimited
Deductible
$200–$1,000
Illness wait
14 days
Age range
Under 15 years (accident-only at 15+)
✓ Curable pre-existing conditions covered after 12 months symptom-free
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/CatAdvicePet insurance annual limits↑2
- r/CatAdvicePet insurance annual limits↑1
Fetch Pet Insurance
Broad coverage including alternative therapies
Comprehensive
13 Reddit postsPulled Apr 28
Monthly cost
~$46/mo
Reimbursement
70%, 80%, 90%
Annual max
Unlimited
Deductible
$200–$500
Illness wait
Up to 15 days
Age range
6 weeks and up
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/catsHaving a hard time mentally coping with cat with UTI and pancreatitis atm↑2
- r/puppy101Recommend Pet insurance↑2
- r/CatAdviceA Question About Pet Insurance↑2
Healthy Paws
Unlimited coverage, no payout caps
Comprehensive
3 Reddit postsPulled Apr 23
Monthly cost
~$48/mo
Reimbursement
70%, 80%, 90%
Annual max
Unlimited
Deductible
$100–$500
Illness wait
15 days
Age range
Under 14 years
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/CatAdviceBest pet insurance for a 4yo Norwegian Forest Cat (NH, USA) — Nationwide vs Trupanion vs Pumpkin vs Healthy Paws?↑3
- r/CatAdviceBest insurance for kittens?↑2
- r/CatAdvicePaying too much for insurance?↑1
MetLife Pet Insurance
Multi-pet households & employer benefits
ComprehensiveAccident Only
3 Reddit postsPulled Apr 6
Monthly cost
~$49/mo
Reimbursement
50%, 70%, 80%, 90%
Annual max
Unlimited
Deductible
$50–$2,500
Illness wait
14 days
Age range
Any age (no restrictions)
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/CatAdvicePet insurance - urinary blockage↑2
- r/PetsPet insurance↑1
- r/CatAdvicePet insurance - urinary blockage↑0
CarePlus by Chewy
Chewy customers wanting integrated pet health and shopping rewards
Comprehensive
No Reddit data yet
Monthly cost
~$50/mo
Reimbursement
90%
Annual max
Unlimited
Deductible
$0 per condition (lifetime per condition)
Illness wait
Varies by state (Trupanion-powered)
Age range
8 weeks–14 years
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonPumpkin Pet Insurance
High reimbursement with no coverage surprises
ComprehensiveAccident Only
No Reddit data yet
Monthly cost
~$55/mo
Reimbursement
90%
Annual max
Unlimited
Deductible
$100–$500
Illness wait
14 days
Age range
8 weeks and up
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonNationwide Pet
Birds, exotics, and multi-species households
ComprehensiveAccident Only
1 Reddit postsPulled Apr 9
Monthly cost
~$63/mo
Reimbursement
50%, 70%, 90%
Annual max
Unlimited
Deductible
$250
Illness wait
14 days (most plans)
Age range
Any age
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/CatAdvicePet insurance that actually covers dental cleaning? (Figo/Nationwide issues)↑3
Trupanion
Chronic conditions & direct vet payment
Comprehensive
3 Reddit postsPulled Apr 28
Monthly cost
~$65/mo
Reimbursement
90%
Annual max
Unlimited
Deductible
$0 per condition (lifetime)
Illness wait
Varies by state/policy
Age range
8 weeks – 14 years
✗ No coverage for pre-existing conditions
Praised for
Coming soonCriticisms
Coming soonRecent Reddit mentions
- r/puppy101Looking for a good pet insurance company for my two dogs↑2
- r/PetsPet insurance↑2
- r/PetsPet insurance↑0
How we group these plans
Plans are grouped by Reddit community sentiment scraped from r/petinsurance, r/dogs, r/cats, and r/personalfinance — not paid rankings. Highly Rated means a score of 70+/100, Mixed Reviews means 45–69/100, and Not Yet Analyzedmeans we haven't collected enough data to score the carrier yet.
Pet Insurance FAQs
Is pet insurance worth it?
Pet insurance is worth it if unexpected vet bills would be financially stressful. The average emergency vet visit costs $800–$1,500, while monthly premiums are typically $25–$75. One major illness or accident can easily exceed years of premiums.
Why do you use Reddit for rankings instead of star ratings?
Star ratings on insurer websites are heavily gamed. Reddit's r/petinsurance community has 400K+ members who post detailed, unfiltered experiences — especially around claims, which is what actually matters when disaster strikes.
What does pet insurance typically cover?
Comprehensive plans cover accidents, illnesses, surgeries, hospitalization, prescriptions, and sometimes dental care. Accident-only plans are cheaper but limited to injuries from accidents like broken bones or swallowed objects.
How does the reimbursement model work?
You pay the vet bill upfront, then submit a claim. The insurer reimburses you for covered expenses minus your deductible, at your chosen reimbursement rate (e.g., 80% of the bill after a $250 deductible).
Why do costs vary by state?
Pet insurance premiums are based on local veterinary costs, which vary significantly by state. California, New York, and Hawaii run 40–55% above the national average. Rural Midwest and Southern states run 20–25% below. The estimates shown reflect these regional differences.