Best Pet Insurance of 2026

Coverage Options:

• Accident and Illness Plan: Covers accidents, illnesses, surgeries, cancer treatments, and more. Customizable coverage to match various budgets and pet needs.
• Accident Only Plan: Covers unexpected injuries such as fractures and poisonings. Affordable option for basic accident protection.
• Preventive Care Add-Ons: Covers routine care like vaccinations, dental cleanings, and exams. No deductible; coverage begins the day after enrollment.

Additional Benefits:

Spot includes coverage for alternative therapies, behavioral treatments, and microchipping. Access to a 24/7 vet helpline is also provided for added peace of mind.

Cost and Pricing:

Premiums depend on factors such as pet age, breed, and location. Reimbursement options range from 70% to 90%, with flexible annual limits and deductibles.

Exclusions and Limitations:

Excludes pre-existing conditions, elective procedures, and certain breed-specific issues. Waiting periods include 14 days for illnesses and two days for accidents.

Claims Process:

Claims can be filed online or via the Spot app, with quick reimbursement through direct deposit or check.

Embrace provides high coverage for dental illnesses: $1,000 per policy year in most states. The company covers extractions, root canals, crowns, gingivitis, and broken, chipped, or fractured teeth.

Basic coverage starts at under $6 per month for cats and $12 for dogs, and covered treatment includes alternative therapies, rehabilitation, behavioral therapy, emergency veterinary care, specialist care, diagnostic testing (including x-rays and MRIs), hospitalization & surgery, prosthetics & mobility devices, prescription drug coverage.

While routine care like cleaning and annual checkups are not included in the policy — as is the case with most pet insurance providers — they can be reimbursed by adding on a wellness plan at extra cost.

The Optional Wellness Rewards plan offers additional coverage for wellness exams, training, grooming, vaccines, and spay or neuter surgery. This plan reimburses up to $650 per year in wellness treatments.

Another benefit of Embrace is its shrinking deductibles. They can be set between $100 and $1,000, and every year you don’t file a claim, you’ll receive a $50 reduction. If your pet is healthy, your deductible can be reduced down to zero after several consecutive claim reimbursement-free years.

Reimbursements can reach 90 percent, annual benefits are capped at $15,000, and monthly premiums start at $13 for dogs and $9 for cats. All claims can be submitted online, via email, fax, or mobile app.

Pet insurance coverage from USAA and Geico can also be obtained through Embrace.

Prudent Pet is a pet insurance company founded in 2018 and headquartered in Hillside, Illinois. The company provides pet insurance for dogs and cats of any age, and its policies are underwritten by the Markel Insurance Company and Markel American Insurance Company.

Prudent Pet’s coverage policy allows its policy holders to get their pet’s treatment from any licensed veterinary practice in the US and Canada. The company reimburses customers for a wide range of treatment types, including dental coverage, wellness checks and preventive care, which most pet insurance policies do not cover.

The company’s benefit limit caps are usually annual, which is a more flexible insurance option than policies with per-incident caps, and does not impose a lifetime benefit with any of its policies. Prudent Pet does offer policies with no annual cap at a higher price. Policy holders can select either a 70% or 90% reimbursement plan, which is done on an actual-cost basis. The company has a 5 day waiting period for accidents and a 14 day waiting period for illnesses.

Prudent Pet is an accredited by the Better Business Bureau, with an A+ rating and a single complaint closed in the last three years. The company is rated 4.8 on Trustpilot, with the overwhelming majority of reviews rating the company “excellent”.

All in all, Prudent Pet gets high marks from us for its extensive coverage, strong reputation and transparent policies. Pet owners want insurance that works for them instead of against them at the time of their pet’s need, and Prudent Pet aims to provide that by covering most ailments and even preventive care at an actual-cost basis.

Best for Puppies

Coverage Options:

Fetch Pet Insurance provides accident and illness coverage for dogs and cats, with the option to add wellness coverage for routine and preventive care. Policyholders can customize their plans by selecting annual coverage limits, reimbursement rates, and deductibles to fit their budget and pet’s needs. Reimbursement rates range from 70% to 90%, and annual coverage limits include options such as $5,000, $10,000, and $15,000.

 

• Accident & Illness Plan: Fetch’s standard plan covers emergency vet visits, hospital stays, surgeries, prescription medications, diagnostic tests, specialist consultations, alternative therapies (e.g., acupuncture, chiropractic care), behavioral therapy, and comprehensive dental care for every adult tooth.
• Preventive Care Add-Ons: Optional wellness coverage can be added to reimburse for routine care, including vaccinations, annual exams, dental cleanings, and flea/heartworm prevention.

Additional Benefits:

Fetch covers alternative therapies such as acupuncture and chiropractic care. Behavioral therapy and specialist consultations are also included in its standard plan.

Exclusions and Limitations:

Fetch does not cover pre-existing conditions, elective procedures, or certain breed-specific conditions. Waiting periods include up to 15 days for accidents and illnesses.

Claims Process:

Visit any licensed vet, pay, and submit your claim online with a photo of the invoice. Fetch reviews it and reimburses you for eligible costs.

Coverage Options:

• BestBenefit Accident and Illness: Covers accidents, illnesses, surgeries, cancer, hereditary conditions, and more. Customizable coverage levels to fit budgets.
• Accident Only: Covers incidents like injuries and poisoning.
• Routine Care Add-Ons: Plans for wellness, vaccines, and dental cleanings. No deductible; coverage starts next day.

Additional Benefits:

Covers alternative therapies, dental, and behavioral issues. Valid with any licensed vet in the U.S., Canada, or Puerto Rico.

Cost and Pricing:

Premiums vary by pet age, breed, and location. Reimbursement options are 70%, 80%, or 90%. No age limits for coverage.

Exclusions and Limitations:

Excludes pre-existing conditions and elective procedures. 3-day wait for accidents, 14-day for illnesses.

Claims Process:

Submit claims online or via the app. Quick reimbursement through direct deposit or check.

Coverage Options:

Healthy Paws offers one simple plan that provides you and your pet with no caps on claim payouts. You can visit any licensed veterinarian and your Healthy Paws plan will reimburse you based on your actual vet bill, as opposed to some plans that reimburse based on what they think the treatment for a specific condition should cost.

• Comprehensive Accident & Illness Plan: covers new accidents and illnesses including injuries, cancer, genetic conditions, alternative and emergency care.

Additional Benefits:

Healthy Paws offers coverage for alternative treatments such as acupuncture and chiropractic care. 

Costs and Reimbursement:

Premiums vary based on pet breed, age, and location. Reimbursement rates range from 70% to 90%, with flexible deductibles.

Exclusions and Limitations:

Excludes pre-existing conditions, elective procedures, and preventative care. A 15-day waiting period applies for illnesses and two days for accidents.

Claims Process:

Claims can be filed online or through the Healthy Paws mobile app. Most claims are processed within two days, with direct deposit or check reimbursement.

If you have a household with multiple pets of all ages, you can apply for Pumpkin’s pet insurance and qualify for a 10% multiple pet discount for each additional pet. This applies to older pets too, and they will not be subject to either reduced coverage or outright denial of coverage solely because of their older age.

Pumpkin’s coverage for accidents and illnesses includes standard items like MRI’s, CT scans, surgery, prescription meds and hospitalization. The policy also extends to behavioral issues, microchip implantation, and even alternative therapy.

Dental disease counts as a covered illness as well, (including exams, procedures and medication) but like most other pet insurances, it will not cover routine dental cleanings. Adding an optional preventative care pack onto your policy will extend coverage to annual wellness exams, vaccinations and lab tests for parasites.

Monthly premiums for Pumpkin’s policies will depend on the pet's age, breed and the deductible and annual limit you chose. For cats, the annual maximum coverage tops out at $15,0000, while dogs can be insured for up to $20,000. After the deductible is met — which can be $100, $250 or $500 — Pumpkin will cover 90% of eligible expenses related to accidents and illnesses.

Pre-existing conditions are not covered. For all limitations visit pumpkin.care/insurancepolicy. Insurance is underwritten by United States Fire Insurance Company and produced by Pumpkin Insurance Services Inc. Pumpkin Preventive Essentials is offered as an optional non-insurance benefit, and is not available in all states.