Best Pet Insurance Companies of 2026 | VETX

We evaluated every major pet insurance carrier across four key dimensions: coverage comprehensiveness, premium affordability, claims experience, and financ

Best Pet Insurance Companies of 2026 — Rankings by VETX.

Our expert rankings based on coverage, cost, claims, and financial stability

We evaluated every major pet insurance carrier across four key dimensions: coverage comprehensiveness, premium affordability, claims experience, and financial stability of the underwriter. Our rankings reflect the perspective of a licensed insurance professional with experience across multiple lines of coverage.

Rankings

#1 Healthy Paws Pet Insurance — Best Overall. Unlimited coverage backed by Chubb's A+ financial strength makes Healthy Paws our top pick for most pet owners.

#2 Trupanion Pet Insurance — Best for Direct Vet Pay. Trupanion's direct payment system and per-condition lifetime deductible offer unmatched convenience.

#3 Embrace Pet Insurance — Best for Wellness Coverage. Embrace's diminishing deductible and Wellness Rewards program provide the most comprehensive package.

#4 Pets Best Insurance — Best Value. Founded by a veterinarian, Pets Best offers the industry's lowest deductible ($50) and competitive premiums.

#5 Lemonade Pet Insurance — Best for Budget. Lemonade's low premiums and AI-powered claims make it the best choice for cost-conscious pet owners.

#6 Figo Pet Insurance — Best for 100% Reimbursement. Figo's 100% reimbursement option and 1-day accident waiting period are industry-leading features.

#7 Spot Pet Insurance — Best for Customization. Spot's wide range of plan options lets you build coverage that fits your exact budget and needs.

#8 ASPCA Pet Health Insurance — Most Trusted Brand. The ASPCA name carries trust, with competitive pricing and an unlimited coverage option available.

#9 Nationwide Pet Insurance — Best for Exotic Pets. The only major carrier covering birds, reptiles, and exotic pets, backed by Fortune 100 financial strength.

#10 MetLife Pet Insurance — Best for Family Plans. MetLife's Family Plan covers up to 3 pets under one shared deductible — plus a zero-day accident waiting period and Fortune 100 financial backing.

#11 Pumpkin Pet Insurance — Best No-Orthopedic-Wait. Pumpkin's most distinctive feature: cruciate ligaments and hip dysplasia covered after the standard 14-day wait, not the industry-typical 6 months.

#12 Prudent Pet Insurance — Best for Plan Flexibility. Three-tier structure (Accident-Only / Essential / Ultimate) gives more granular price points than any other major carrier, with claims paid in 1–5 days.