Compare pet insurance carriers
Compare coverage, waiting periods, deductibles, and reimbursement for leading pet insurance providers.
Side-by-side comparison
12 carriers, same rows for each — swipe or scroll sideways to see them all.
| Feature | TrupanionOne simple plan, no payout limits | FetchPet insurance with extra perks | NationwideThe first pet insurer in the U.S. | EmbracePersonalized coverage with wellness rewards | LemonadeFast, digital, and giveback-friendly | Healthy PawsOne plan, no annual payout caps | ASPCA Pet Health InsuranceFlexible plans with optional wellness | MetLife Pet InsuranceFlexible accident and illness plans from a household name | FigoApp-first coverage with vet chat | PawpEmergency fund plus unlimited vet chat | Pet AssureVeterinary discount plan with no exclusions | Pet HealerWellness-focused pet care coverage |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Starting price | from $30/mo | from $25/mo | from $35/mo | from $20/mo | from $19/mo | from $22/mo | from $20/mo | from $15/mo | from $16/mo | $24/mo flat | From $11.95/mo | From $19/mo |
| Deductible options | $0-$1,000 | $250-$1,000 | $250-$1,000 | $200-$1,000 | $100-$1,000 | $100-$1,000 | $100-$500 | $0-$2,500 | $100-$1,500 | No deductible | No deductible | $100 - $500 |
| Reimbursement | 90% | 70%-90% | 50%-90% | 70%-90% | 70%-90% | 50%-90% | 70%-90% | 50%-100% | 70%-100% | Emergency fund payout up to $3,000 | 25% off in-house vet services | 70% / 80% / 90% |
| Annual limit | Unlimited | Up to $15,000 | Up to $20,000 | Up to $14,000 | Up to $100,000 | Unlimited | $3,000-$10,000 or unlimited | $1,000 to unlimited | $5,000 or unlimited | $3,000 emergency fund per year | No annual cap on discounts | Up to $10,000/yr |
| Waiting periods | 5 days for injuries, 30 days for illnesses | 15 days for injuries, 15 days for illnesses | 14 days for injuries, 14 days for illnesses | 2 days for injuries, 14 days for illnesses | 2 days for injuries, 14 days for illnesses | 15 days for accidents and illnesses | 14 days for accidents and illnesses | Varies by plan and state; typically short accident waits | 1 day for accidents, 14 days for illnesses | Emergency fund available after 14 days | None - savings start immediately | 2 days accident, 14 days illness |
| Best known for | No payout limits | Covers exam fees | Wellness rewards option | Diminishing deductible | Fast claims via app | No annual payout cap | Accident-only option | Wide reimbursement and deductible choices | Up to 100% reimbursement | Covers up to 6 pets | No pre-existing condition exclusions | Wellness care included |
| Get a quote | Trupanion | Fetch | Nationwide | Embrace | Lemonade | Healthy Paws | ASPCA Pet Health Insurance | MetLife Pet Insurance | Figo | Pawp | Pet Assure | Pet Healer |
Trupanion
One simple plan, no payout limits
- Starting price
- from $30/mo
- Deductible options
- $0-$1,000
- Reimbursement
- 90%
- Annual limit
- Unlimited
- Waiting periods
- 5 days for injuries, 30 days for illnesses
- Best known for
- No payout limits
Fetch
Pet insurance with extra perks
- Starting price
- from $25/mo
- Deductible options
- $250-$1,000
- Reimbursement
- 70%-90%
- Annual limit
- Up to $15,000
- Waiting periods
- 15 days for injuries, 15 days for illnesses
- Best known for
- Covers exam fees
Nationwide
The first pet insurer in the U.S.
- Starting price
- from $35/mo
- Deductible options
- $250-$1,000
- Reimbursement
- 50%-90%
- Annual limit
- Up to $20,000
- Waiting periods
- 14 days for injuries, 14 days for illnesses
- Best known for
- Wellness rewards option
Embrace
Personalized coverage with wellness rewards
- Starting price
- from $20/mo
- Deductible options
- $200-$1,000
- Reimbursement
- 70%-90%
- Annual limit
- Up to $14,000
- Waiting periods
- 2 days for injuries, 14 days for illnesses
- Best known for
- Diminishing deductible
Lemonade
Fast, digital, and giveback-friendly
- Starting price
- from $19/mo
- Deductible options
- $100-$1,000
- Reimbursement
- 70%-90%
- Annual limit
- Up to $100,000
- Waiting periods
- 2 days for injuries, 14 days for illnesses
- Best known for
- Fast claims via app
Healthy Paws
One plan, no annual payout caps
- Starting price
- from $22/mo
- Deductible options
- $100-$1,000
- Reimbursement
- 50%-90%
- Annual limit
- Unlimited
- Waiting periods
- 15 days for accidents and illnesses
- Best known for
- No annual payout cap
ASPCA Pet Health Insurance
Flexible plans with optional wellness
- Starting price
- from $20/mo
- Deductible options
- $100-$500
- Reimbursement
- 70%-90%
- Annual limit
- $3,000-$10,000 or unlimited
- Waiting periods
- 14 days for accidents and illnesses
- Best known for
- Accident-only option
MetLife Pet Insurance
Flexible accident and illness plans from a household name
- Starting price
- from $15/mo
- Deductible options
- $0-$2,500
- Reimbursement
- 50%-100%
- Annual limit
- $1,000 to unlimited
- Waiting periods
- Varies by plan and state; typically short accident waits
- Best known for
- Wide reimbursement and deductible choices
Figo
App-first coverage with vet chat
- Starting price
- from $16/mo
- Deductible options
- $100-$1,500
- Reimbursement
- 70%-100%
- Annual limit
- $5,000 or unlimited
- Waiting periods
- 1 day for accidents, 14 days for illnesses
- Best known for
- Up to 100% reimbursement
Pawp
Emergency fund plus unlimited vet chat
- Starting price
- $24/mo flat
- Deductible options
- No deductible
- Reimbursement
- Emergency fund payout up to $3,000
- Annual limit
- $3,000 emergency fund per year
- Waiting periods
- Emergency fund available after 14 days
- Best known for
- Covers up to 6 pets
Pet Assure
Veterinary discount plan with no exclusions
- Starting price
- From $11.95/mo
- Deductible options
- No deductible
- Reimbursement
- 25% off in-house vet services
- Annual limit
- No annual cap on discounts
- Waiting periods
- None - savings start immediately
- Best known for
- No pre-existing condition exclusions
Pet Healer
Wellness-focused pet care coverage
- Starting price
- From $19/mo
- Deductible options
- $100 - $500
- Reimbursement
- 70% / 80% / 90%
- Annual limit
- Up to $10,000/yr
- Waiting periods
- 2 days accident, 14 days illness
- Best known for
- Wellness care included
Carrier detail
TrupanionFetchNationwideEmbraceLemonadeHealthy PawsASPCA Pet Health InsuranceMetLife Pet InsuranceFigoPawpPet AssurePet HealerPawp
Emergency fund plus unlimited vet chat
$24/mo flat
A membership rather than traditional insurance: unlimited telehealth with vets for up to six pets and a one-time emergency fund payout per year for a covered crisis.
Deductible options
No deductible
Reimbursement
Emergency fund payout up to $3,000
Waiting periods
Emergency fund available after 14 days
Annual limit
$3,000 emergency fund per year
Highlights
Covers up to 6 pets
Unlimited 24/7 vet chat
No breed or age limits
Flat monthly price