Rated 4.7 on Trustpilot (9,660 reviews)
Excellent 5.0
- Covers any new accident or illness, including hereditary conditions
- No networks - use any vet or emergency pet hospital
- Cancel anytime with zero fees
- Over $2,500 in inclusive promo codes to all policyholders
- Rated as the Best Pet Insurance 2025
Excellent 5.0
Spot Pet Insurance offers a full-service pet insurance plan, with almost no limitations. You can select from $5,000 annual coverage, all the way to unlimited, meaning even the most expensive vet bills are covered. There is a choice of options for out-of-pocket expenses such as deductibles and copays, and you can change these every 12 months to suit your budget.
Spot Pet Insurance is a very highly rated provider, scoring 4.7 on Trustpilot, from nearly 8,000 pet parents.
The Spot Pet Insurance plan covers any accident, new illness, including dental disease, and also offers an optional routine wellness plan for your pet’s regular preventative needs.
Where you get paid BEFORE paying the vet bill
Pumpkin
Excellent 5.0
- Plans come with PumpkinNow™ – where you get paid BEFORE paying the vet bill
- Vet exam fee & behavioral conditions included at no extra cost
- No extended wait period for any condition
- Pays for your pet to have a microchip fitted
- Multi-pet discounts available
Excellent 5.0
As any pet parent knows, paying vet bills can be super stressful – even if you have pet insurance. That’s because with most pet insurance plans you have to pay the whole vet bill yourself and then claim the money back, which can sometimes take weeks to land back in your bank account.
But Pumpkin plans come with PumpkinNow™ – where you get paid BEFORE paying the vet bill. It’s a total game-changer for pet parents.
Overall the Pumpkin plan, while a good choice for most pets, really comes into its own if you have a pet that develops a condition requiring a special diet such as prescription pet food and supplements. Unlike most providers, Pumpkin offers this coverage as standard for the lifetime of your pet.
We would also really recommend Pumpkin if your pet is older, due to its standard inclusion of alternative therapies such as chiropractic treatments, acupuncture and hydrotherapy, which large breeds such as Labs and German Shepherds can often use later on in life as they develop hip and other joint issues.
Excellent dental coverage also included
Excellent 5.0
- Very competitively priced for most pets
- All major and minor accidents and illnesses covered
- The best dental coverage also included for no extra fee
- Now includes the option to add a routine wellness plan
- Rated “Excellent” on Trustpilot
Excellent 5.0
Fetch is a very consistent all-rounder that combines solid coverage and competitive pricing.
As well as covering accidents and new illnesses, Fetch has the best dental coverage of any provider too, with every tooth covered against accidents and illness. Periodontal disease is also covered, which many other providers do not cover.
The Fetch plan also includes $1,000 in virtual vet visits, with no copay required. This is ideal if you either cannot get to the vet or if you’re not sure and are just seeking advice. This service works by phone, text, email or video chat with a vet.
625,000+ pets insured, 1,000+ 5-Star Google reviews
Excellent 5.0
- Unlimited annual coverage for accidents and illness with no caps
- Most claims paid within 2 days
- No sign-up fees
- Use any vet or emergency pet hospital
- Flexible out-of-pocket options to suit your budget
Excellent 5.0
Healthy Paws is one of the oldest pet insurance providers in the USA and insures around 625,000 pets per year.
There is one level of annual coverage – unlimited- which means even the most expensive vet bills are covered.
Claims are usually paid very quickly with Healthy Paws – typically within 24 hours.
We would recommend Healthy Paws for younger pets, as the coverage is reduced if you start coverage when your pet is 4 or older.
Great for puppies and kittens
Very Good 4.5
- Choose from $5,000 - unlimited annual coverage
- Includes coverage for vet exam fees, diagnostics, surgery & rehab
- Generous multi-pet discounts
- No credit checks required
- Over 500,000 pets insured
Very Good 4.5
Embrace is a very well-known pet insurance provider and currently has over 500,000 pets covered in the USA.
The Embrace plan is ideal for kittens and puppies, and also has the most generous multi-pet discounts, so if you’re looking to insure more than one pet Embrace could be for you.
The additional routine wellness plan offered by Embrace is the most generous of all providers too – and will cover everything from the annual wellness exam to spay/neuter surgery.
Consistently low pricing and flexible coverage for any budget
Very Good 4.5
- Choice of affordable plans with flexible out-of-pocket costs
- Covers any new accident or illness, including vet exam fees, surgery & meds
- Add a routine wellness plan for regular preventative care
- Includes free 24/7 pet helpline
- Rated as the Best Pet Insurance 2025
Very Good 4.5
Pets Best has long been a favorite of ours due to its value-for-money proposition. For almost all pets, Pets Best is right at the top when it comes to how well its priced competitively.
While it does offer cheaper plans that you can see when you click through to the Pets Best website, we display the ‘Elite” plan, which also includes vet exam fees and alternative therapies, such as acupuncture and hydrotherapy.
As a bonus, if you also have a CareCredit card, you can use this to pay your vet bill instead of paying with your savings, and Pets Best will reimburse this card directly.
Price Promise
We guarantee you won't buy the same plan for cheaper anywhere else. In the very unlikely event you do find the same plan for less, we'll refund you the difference upon proof of purchase and coverage.
More Top Rated Insurers
Claims paid directly to your vet at checkout
Very Good 4.5
- One simple plan with unlimited payouts for life
- Vet bills paid directly at checkout
- Voted #1 pet insurance by veterinarians
- Over $3 Billion paid in vet bills
- Monthly prices will never go up based on your pets age
Very Good 4.5
Trupanion offers one simple pet insurance plan, that’ll cover any accident & new illness. There are no financial caps with the plan, and you have a fixed 10% copay for all claims, plus a lifetime per-incident deductible (flexible to your budget), meaning you’ll only pay a deductible once for each condition your pet has during its lifetime.
Trupanion is unique in offering its VetDirect Pay™ service, meaning that instead of paying the vet bill up front and waiting to be reimbursed, Trupanion can pay your vet directly at checkout.
The way Trupanion pricing works is that it’ll never put pricing up just because your pet gets older. So, if you sign your pet up aged 1 they’ll always be priced as a 1 year old.
ASPCA Pet Health Insurance
Good 4.0
- Complete coverage plan for accidents, illness & optional routine wellness
- Also includes dental disease coverage for no extra cost
- Alternative therapies including acupuncture & chiropractic care covered
- Generous multi-pet discounts
- Use any vet in the USA or Canada
Good 4.0
The ASPCA Pet Health Insurance plan is the same policy offered by Spot Pet Insurance, but the reason it scores lower is due to the different annual coverage deductible choices.
If you’re ok with having a $10,000 per year annual coverage amount, which will cover all but the most expensive treatments, then we recommend this plan due to its excellent coverage for accidents, illness, including dental disease, and alternative therapy inclusion which covers chiropractic treatments, acupuncture and hydrotherapy.
The ASPCA Pet Health Insurance plan also includes vet exam fees as standard, whereas some other providers charge extra for this coverage.
Lemonade
Good 4.0
- Select from $5,000 - $100,000 annual coverage for accidents and illness
- Optional routine wellness plan for regular preventative care
- Multi-pet and bundle discounts available
- Annual deductibles from $100
- Very competitive pricing
Good 4.0
The Lemonade plan is usually very competitively priced, although there are some items which can increase the monthly cost, such as vet exam fees, behavioral therapy, dental illness and prescription meds.
There are a number of annual coverage options available, from $5,000 to $100,000 and you can change the coverage every anniversary of your pet’s plan. This is ideal as your pet ages, and you may choose a higher coverage to protect against the most expensive conditions such as hip dysplasia and cancer.
Lemonade also offers a routine wellness plan for your pet’s regular preventative needs.
Figo
Good 4.0
- Covers any new accident or illness
- Unique option of having a 0% copay
- Optional coverage for routine wellness
- Use ANY licensed vet in the world
- Select annual coverage from $5,000 to unlimited
Good 4.0
The Figo plan is an interesting one. On the face of it, it’s a little more expensive than plans from some other providers, but it does have one very nice exclusive perk – it’s the only plan in the USA to offer a 0% copay option, meaning that once you’ve paid your deductible, 100% of the claim will be paid. This is ideal if you’re on a strict budget and want to know exactly what you’ll be paying.
Figo also offers a number of good choices for routine wellness, to cover your pet’s regular preventative care.
