Pet insurance comparison
We read the policy documents so you don't have to. Compare 5 carriers on the things that decide a claim — deductible, reimbursement rate, annual limit and waiting periods — then get a recommendation for your pet in about a minute.
How it works
1. Tell us about your pet
Species, breed, age and ZIP code. No email, no phone number, nothing to unsubscribe from.
2. Luna matches a plan
Our assistant reads your answers against every carrier we compare and explains its reasoning.
3. Check the fine print
Compare deductibles, reimbursement rates, annual limits and waiting periods side by side.
Carriers we compare
See full comparisonOne simple plan, no payout limits
- No payout limits
- Direct vet payment
- 90% reimbursement
Reimbursement 90% · limit Unlimited
Read our reviewPet insurance with extra perks
- Covers exam fees
- Dental illness coverage
- Virtual vet visits
Reimbursement 70%-90% · limit Up to $15,000
Read our reviewThe first pet insurer in the U.S.
- Wellness rewards option
- Covers exotic pets
- No upper age limit
Reimbursement 50%-90% · limit Up to $20,000
Read our reviewPersonalized coverage with wellness rewards
- Diminishing deductible
- Wellness rewards
- Dental coverage
Reimbursement 70%-90% · limit Up to $14,000
Read our reviewFast, digital, and giveback-friendly
- Fast claims via app
- Preventative care add-ons
- Giveback program
Reimbursement 70%-90% · limit Up to $100,000
Read our reviewIndependent carrier reviews
All reviewsBest for: Owners of young pets who want unlimited lifetime payouts
Trupanion sells a single, deliberately simple plan with no annual or lifetime payout cap, a 90% reimbursement rate on every policy, and a per-condition deductible that you only satisfy once for each diagnosis.
Read the Trupanion reviewBest for: Owners who want exam fees, dental and behavioral care included
Fetch bundles several things competitors treat as optional riders — sick-visit exam fees, dental disease, behavioral therapy and holistic care — into its standard illness-and-accident policy.
Read the Fetch reviewBest for: Owners of birds, reptiles and other exotic pets
Nationwide was the first pet insurer in the United States and remains the only large carrier that will write a policy for birds, reptiles, rabbits and other exotic species alongside dogs and cats.
Read the Nationwide review
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