Best Pet Insurance of 2026

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 Details & Cost:

Trupanion offers one simple plan, covering new, unexpected accidents and illnesses with no payout limits. In most states, Trupanion covers 90% of eligible veterinary costs after meeting the selected per condition, lifetime deductible. Premiums vary based on the pet’s age at enrollment, breed, gender, sex and location, as well as the chosen deductible. Trupanion is the only pet insurance provider who does not raise rates just because a pet has gotten older, or for submitting claims.

Additional Benefits:

Trupanion offers an additional coverage rider option for alternative therapies, rehabilitative therapies and behavioral treatments for an extra cost.

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:

Trupanion is the only provider who can pay the treating veterinarian instantly at checkout using Trupanion’s VetDirect Pay™. If your veterinarian does not use their software, claims can be submitted online for quick reimbursement – nearly 2 out of 3 invoices are reimbursed within 24 hours.

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.

Coverage Options:

Spot Pet Insurance provides accident-only, illness, and wellness plans with flexible coverage options. Pet owners can customize coverage levels, adjust deductibles, or cancel anytime without penalty. Premiums vary based on pet age, breed, and location, with reimbursement rates ranging from 70% to 90%. Discounts are available for multiple pets.

 

• Accident-Only Plan: Covers injuries resulting from accidents, such as broken bones, bite wounds, and swallowed objects. This plan does not cover illnesses.
• Accident & Illness Plan: Includes everything in the Accident-Only Plan, plus coverage for illnesses like cancer, infections, and chronic conditions. Policyholders can choose annual coverage limits ranging from $2,500 to unlimited, with reimbursement options of 70%, 80%, or 90%, and deductibles between $100 and $1,000.
• Preventive Care Add-Ons: Optional add-ons that reimburse for routine care such as vaccinations, annual exams, dental cleanings, and flea/heartworm prevention. Policyholders can select from different levels of coverage to suit their needs.

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.

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.

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.