Pet insurance carrier reviews

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.

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.

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.

Embrace pairs a conventional accident-and-illness policy with an optional Wellness Rewards allowance for routine care, and shrinks your annual deductible by $50 for every claim-free year.

Lemonade runs an app-first policy with some of the lowest quotes in the category, AI-assisted claims that can settle in minutes, and bundling discounts if you already hold renters or home cover with them.