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Vet Bills Add Up Fast — Protect Your Pet's Future

A sudden illness or accident can cost $10k or more, and most of us aren’t ready for that. Money.com found Pet Insurance plans that can reimburse up to 90% of your bill, starting at just $10 a month. Compare these top-rated plans to find the best fit for you and your furry friend.

Reimburse up to 90% From $10/month Top-rated 2026 plans
Illustration of a golden retriever wearing a blue collar with blue leaf accents
1
Lemonade
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Pet Insurance Starting as low as $10 per Month

  • ✓Save Big on Tests, Vaccines & Essential Care
  • ✓Coverage for Spaying, Neutering & Microchipping Available
  • ✓Up to 10% Off with Bundle or Multi-Pet Discount
2
Spot
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Get up to 90% Cash Back on Vet Bills

  • ✓Covers Accidents, Illness & Preventive Care
  • ✓Prescriptions, Specialists, Dental and more
  • ✓Visit Any Vet in the US, 24/7 Vet Helpline
3
MetLife Pet Insurance
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2025 Pet Insurance of the Year Award Winner

  • ✓No Lifetime or Per Incident Limits
  • ✓Most Claims Processed in 5 Days or Less
  • ✓One of the Shortest Waiting Periods for Accident & Illness Coverage
4
ASPCA
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Exam Fees Covered + 10% Multi-Pet Discount

  • ✓Up to 90% Cash Back at Any US Vet
  • ✓Complete Coverage, Accident-Only & Preventive Care
  • ✓Behavioral Issues, Dental & Hereditary Conditions

Your pet is family—find coverage that fits your needs today.

Frequently Asked Questions

What does pet insurance typically cover?
Most plans cover accidents, illnesses, surgeries, hospitalizations, diagnostic tests, and prescription medications.
How much does pet insurance cost?
Many plans start around $10–$20 per month for cats and $20–$50 per month for dogs.
Does pet insurance cover pre-existing conditions?
No — virtually every pet insurance provider excludes pre-existing conditions.
Are there age limits for enrolling a pet?
Many insurers will enroll pets as young as 6 to 8 weeks old.
How does the reimbursement process work?
You typically pay your vet directly, then submit a claim through an app or web portal.
Can I use any vet I want?
Yes — pet insurance plans generally let you visit any licensed veterinarian in the U.S.