Best pet insurance in the US | Top Ranking 2025

Spot’s Accident & Illness Plan features customizable reimbursement rates of 70%, 80%, or 90%, with annual coverage limits ranging from $2,500 to unlimited. Deductible options start at $100 and reach up to $1,000, enabling policyholders to adjust premiums to fit their budgeting needs. The plan covers accidents, illnesses, diagnostics, surgeries, prescription medications, and specialized and emergency care; coverage for preventive care is not included, but can be added via a separate wellness rider. The modular design affords significant flexibility, allowing buyers to tailor core plan parameters—reimbursement, limit, and deductible—independently. Within the competitive US market, Spot’s plan stands out for low minimum deductible choices, generous unlimited coverage levels, and the availability of extensive add-on customization. Compared to peers, Spot does not cover exam fees by default, and its wellness benefits require an extra premium, which may impact perceived value for some owners seeking more integrated coverage. Service is fully digital, supporting online claims submission and management, but Spot does not offer advance payment programs such as Payvet. Average claims processing typically completes in 7-10 business days. This plan aligns with the expectations of owners seeking flexible coverage management, digital-first service experience, and those prioritizing comprehensive illness or injury protection over bundled wellness perks.

Lemonade’s pet insurance plan features customizable reimbursement rates of 70%, 80%, or 90%, with annual coverage limits ranging from $5,000 to $100,000. Deductibles can be selected from $100 to $500, allowing policyholders to align coverage with their financial situation. The core plan covers accidents and illnesses, including diagnostics, outpatient and emergency care, surgery, and medication; optional add-ons are available for preventive care (vaccinations, wellness exams, and heartworm testing) and advanced therapies. The plan’s modular design offers substantial flexibility, permitting users to tailor coverage to specific needs by mixing and matching preventive and medical benefits. In the broader market, Lemonade stands out for streamlined digital processes and aggressive pricing, but complete dental or alternative therapy coverage is less comprehensive than select premium competitors. Lemonade operates as a fully digital insurer—claims are processed via a mobile app or website, digital claims are supported, and reimbursement typically occurs within two days. No advance payment service such as Payvet is available. The plan is generally most suitable for digitally engaged consumers seeking customizable coverage, quick claims resolution, and straightforward policy management.

Rainwalk Pet Health Insurance offers plans with reimbursement rates ranging from 70% to 90%, annual limits up to $20,000, and deductible options starting as low as $100. Standard coverage encompasses both accidents and illnesses, providing reimbursements for diagnostics, hospitalization, surgery, prescription medications, and specialist treatments. Preventive and routine care can be included as optional add-ons, allowing for modular plan customization to match various coverage preferences and budgets. Rainwalk positions itself as a fully digital provider, streamlining the insurance experience with an intuitive online platform for quote generation, policy management, and claims submission. Digital claims processing is supported, with average reimbursement times between five to seven business days; Payvet-style advance payment is not available. In the current U.S. market, Rainwalk stands out for its digital-first operations and customizable structure, appealing to those seeking flexible coverage and seamless online service. Main advantages include a competitive range of deductibles and annual limits, above-average digital user experience, and accessible customization. However, coverage for exam fees, alternative therapies, and wellness benefits remains optional or limited compared to full-featured competitors. Rainwalk’s offering is most relevant to digitally engaged pet owners who prioritize streamlined administration and the ability to configure coverage to reflect changing needs over time.

Spot’s Preventive Care Platinum plan supplements core accident and illness coverage with a robust preventive care benefit, offering fixed annual reimbursement amounts for routine services such as wellness exams, vaccinations, dental cleanings, and screening tests. Standard plans allow customization of annual limits (up to unlimited), reimbursement rates (70%, 80%, 90%), and deductibles ($100–$1,000), with preventive care purchased as an optional rider. The Platinum tier provides higher reimbursement caps than the Basic rider—covering more frequent or comprehensive routine treatments. This modular structure offers flexibility to align protection levels and pricing with individual priorities. Compared to market leaders, Spot’s flexibility and the availability of Platinum-level preventive coverage place it competitively for routine care seekers; however, the preventive benefits operate on scheduled limits per service rather than broad percentage reimbursement, which can dampen value if high annual usage is unlikely. Spot processes digital claims in its user-friendly platform with reimbursement typically finalized in less than a week, but advance payment partnerships (such as Payvet) are not supported. The provider operates with a digital-first focus. This plan is relevant for highly engaged, tech-oriented pet owners seeking predictable routine care budgeting and the ability to personalize coverage.

Embrace’s Customizable Accident & Illness Plan features reimbursement rates ranging from 70% to 90%, annual coverage limits between $5,000 and unlimited, and selectable annual deductibles from $100 to $1,000. The plan provides coverage for accidents, illnesses, diagnostics, prescriptions, surgeries, hospitalization, and chronic conditions. Preventive care is not standard but can be obtained via an add-on Wellness Rewards program, offered as a separate non-insurance product. The plan’s modular structure allows for significant customization of coverage limit, deductible, and reimbursement rate, enabling adaptation to individual financial requirements and risk profiles. Compared to market competitors, Embrace stands out for its diminishing deductible option (Healthy Pet Deductible), which lowers the deductible by $50 for each claim-free policy year, as well as its comprehensive core coverage. However, the absence of embedded preventive care and the Wellness Rewards being non-insurance may limit perceived value for those seeking all-in-one solutions. Embrace supports digital claims processing through its app and online portal; claims are generally reimbursed within five business days, and real-time advance payment services like Payvet are not offered. Embrace is not a fully digital pure player but provides robust digital support. The plan is most relevant for policyholders seeking flexibility in plan design, owners of pets with complex health histories, and those who prioritize long-term cost management.

Chewy's Complete Accident & Illness Plan provides customizable reimbursement rates (70%, 80%, or 90%), annual coverage limits ranging from $5,000 to unlimited, and deductibles that are user-selectable between $100 and $1,000. The plan insures major veterinary costs resulting from both accidents and illnesses—including diagnostics, surgeries, hospital stays, hereditary conditions, and prescription medications—but does not include preventive care or routine wellness unless added via an optional rider. Plan modularity allows policyholders to adjust core parameters to control premiums and out-of-pocket exposure. In the US market landscape, Chewy’s offering stands out for its digital-first claims experience and seamless, pet-owner-centric UX, especially when compared to traditional incumbents with slower, less flexible processes. Notably, preventive care is excluded by default, which places the plan at a relative disadvantage for those seeking holistic coverage without add-ons. Service quality is underscored by fully digital, app-based claims submission, average reimbursement processing under five days, and support for direct payments to some veterinarians, though Chewy currently lacks an advance payment feature comparable to Payvet. The platform's embedded digital experience aligns with expectations of digitally native pet owners who prioritize ease, transparency, and adaptability in managing their pet’s health risks.

AARP Pet Insurance by Fetch provides reimbursement rates of 70%, 80%, or 90%, with the option to select an annual coverage limit ranging from $5,000 to unlimited and an annual deductible between $250 and $1,000. The core plan covers accidents, illnesses, hereditary and congenital conditions, behavioral therapies, emergency care, and medications. Preventive and routine care are not included in the standard plan but can be added via separate wellness packages for an extra fee. The offering is modular, allowing pet owners to customize reimbursement rate, annual limit, and deductible to their preference. Within the broad US pet insurance market, Fetch stands out for robust coverage breadth, including dental illness and virtual vet visits, though it lags some competitors by requiring additional fees for wellness coverage and not covering exam fees as standard. Service is fully digital, with claims submitted via a mobile app and typical reimbursement processing averaging 5–7 days; no advance payment option like Payvet is currently offered. Fetch’s technology-driven approach enables an intuitive policy management experience. Relevant for pet owners who value digital tools, prioritize customizable coverage parameters, and have pets with complex medical or behavioral needs not addressed by basic plans.

Spot’s Preventive Care Gold is an optional add-on that reimburses up to $250 per year, supplementing a core plan that commonly offers up to 90% reimbursement for accidents and illnesses, annual coverage limits of $2,500 to unlimited, and deductibles from $100 to $1,000. This benefit includes routine care such as wellness exams, vaccines, dental cleaning, and screening tests, with specific sub-limits for each service. Coverage is modular; preventive care is not standard but can be added to any primary accident-and-illness plan for extra cost, supporting tailored protection. In a market where wellness coverage is often limited or subject to strict caps, Spot stands out for permitting preventive care regardless of a pet’s age and for the clear structure of reimbursable items. However, the annual benefit maximum is lower than some competitors’ high-tier wellness riders, and habits like dental illness or alternative therapy coverage require examination of base policy add-ons. Spot processes claims digitally via web and mobile, typically completing reimbursement within 10 to 14 days. No advance payment service such as Payvet is provided. As a fully digital provider, Spot aligns with pet owners who value paperless management, routine veterinary expense support, and the flexibility to combine wellness with broader medical coverage.

MetLife Pet Insurance, available through PetSmart, provides core accident and illness coverage with annual reimbursement rates of up to 90%, annual limits ranging from $1,000 to unlimited, and deductible options starting at $50. The plan covers accidents and illnesses, including diagnostics, surgeries, hospitalization, and prescription medications, while preventive care such as routine exams and vaccinations are offered via add-on wellness packages. Flexibility is a distinguishing feature: users can adjust reimbursement rates, annual limits, and deductibles to tailor costs and coverage. Within the competitive U.S. pet insurance landscape, MetLife stands out for its no upper age restrictions at enrollment, fast claims submissions with a fully digital portal, and broad customizability. Nonetheless, wellness and dental coverage require separate purchase, and some direct competitors consolidate wellness into standard policies, which may result in simpler, more comprehensive protection for certain customers. MetLife processes most claims within 10 days via online or mobile app submission, and advance payment services like Payvet are not currently available. The company’s digital claim tools and flexible plan structures are well-aligned with owners seeking streamlined management, those interested in only covering significant unexpected medical needs, and pet parents who prefer controlling costs through customizable features.

Spot’s Accident-Only plan provides a straightforward structure, featuring reimbursement rates of 70%, 80%, or 90%, annual coverage limits from $2,500 to unlimited, and deductible options between $100 and $1,000. The plan exclusively covers medical expenses for accidental injuries, such as broken bones, toxic ingestions, or cuts; it does not offer coverage for illnesses or preventive care. Optional customization is limited to reimbursement level, annual cap, and deductible, without bundled wellness or illness benefits. Market positioning highlights accessible entry-level protection and a streamlined approach for budget-conscious owners seeking emergency coverage only. Compared to competitors with broader accident-and-illness or integrated wellness options, Spot’s plan offers a lower-cost alternative but lacks comprehensive medical cover, which may limit its utility for pets with diverse health risks. Claims can be submitted online or via mobile app, and Spot processes reimbursements within an average of ten days; no advance payment feature such as Payvet is available. Spot operates primarily through digital channels, providing a user-friendly experience for policy administration and claims, though traditional phone support is also accessible. The plan’s focused, digital-first platform is best suited for owners wary of major accidents or those prioritizing low-cost, rapid access to essential digital insurance tools.

Figo’s pet insurance plan allows customization of reimbursement rates (70%, 80%, 90%, or 100%), annual coverage limits (from $5,000 to unlimited), and deductibles ($100–$750). Core medical coverage includes accidents and illnesses, encompassing diagnostics, surgery, hospitalization, and prescribed medications. Preventive care is not inherently covered but can be selected through wellness add-ons. The plan’s modular construction gives policyholders the flexibility to adjust critical coverage variables à la carte, distinguishing Figo from providers with rigid, fixed-tier models. Compared to market peers, Figo’s strengths include its highly adjustable benefits structure and the availability of unlimited annual coverage. Notable drawbacks are the exclusion of preventive and dental illness coverage from base policies and the reliance on wellness add-ons, which may raise the overall premium for comprehensive protection. Service quality ranks highly: as a fully digital insurer, Figo supports rapid, app-based claims submission and typically disburses reimbursement within three business days, though advance payment services like Payvet are absent. Figo’s platform-centric delivery and user customization primarily attract pet owners who are comfortable managing policies online, have variable medical care needs, or prefer granular control over their insurance terms without extraneous bundled features.

GEICO Pet Insurance powered by Embrace features adjustable reimbursement rates of 70%, 80%, or 90%, annual coverage limits ranging from $5,000 to unlimited, and annual deductibles from $200 to $1,000. Standard coverage includes accidents and illnesses, such as diagnostics, surgery, hospitalization, and prescribed medications, with the option to add preventative care via a separate Wellness Rewards package. The policy structure is modular, enabling customization of reimbursement percentage, deductible, and coverage limit to accommodate varying financial needs. In the national market context, Embrace's offering stands out for flexibility and extensive illness and accident protections, yet preventive care is only accessible as an elective add-on, and the behavioral therapy limit remains capped annually. Some competitors incorporate preventive care and behavioral therapies as core features, reducing out-of-pocket costs for routine needs. GEICO partners with Embrace in an agency model rather than as a direct digital insurer; claims are filed online or via the mobile app, and reimbursement typically occurs in 10-15 days, which is slower than many digital “pure players.” There is no advance payment service such as Payvet. The plan fits pet owners seeking adaptable coverage, those wanting to balance premium and benefit levels closely, or individuals comfortable managing standard claims processes.

Chewy’s Essential Accident & Illness Plan features a fixed 80% reimbursement rate, annual coverage limit options up to $20,000, and deductible choices ranging from $100 to $500. Coverage includes accidents and most illnesses, such as diagnostic testing, emergency care, surgeries, hospitalization, specialist consultations, and prescription medications. Preventive and routine care services are excluded, aligning the plan with standard illness and injury policies; wellness coverage is not offered as an add-on. Customization is limited to reimbursement rate, annual maximum, and deductible selection, so the plan follows a simplified model rather than a fully modular approach.

Within the US pet insurance landscape, the plan competes on straightforward pricing and moderate reimbursement but lacks integrated wellness and dental illness coverage common among premium competitors like Healthy Paws or Lemonade. Main advantages include transparent terms, a robust network, and a focus on essential incident coverage; however, coverage exclusions and limited customization options restrict versatility. Service quality is strong, with digital claims submission available via a user-friendly portal, average reimbursement processed in under five days, but no advance payment or Payvet-style functionality offered. As a fully digital provider, Chewy emphasizes self-serve convenience.

Most relevant for pet owners prioritizing hassle-free digital management and core protection against unforeseen veterinary costs, especially those comfortable with forgoing optional routine care add-ons.

Healthy Paws Pet Insurance offers a single, comprehensive plan featuring up to 90% reimbursement, no annual or lifetime coverage limits, and an annual deductible that ranges from $100 to $500. The policy covers accidents and illnesses, including hereditary and congenital conditions, cancer treatments, diagnostics, emergency care, surgeries, and prescription medications. Preventive care, such as routine wellness exams and vaccinations, is not available, nor are add-on or à la carte customization options. As a non-modular plan, Healthy Paws positions itself as a straightforward, high-value offering in the US market, differentiating itself by removing caps on payouts and streamlining coverage. The primary advantages include unlimited annual and lifetime benefits, high reimbursement rates, and a broad scope of medical coverage. Notable drawbacks are the lack of wellness benefits, no alternative therapies, and absence of coverage for exam fees and elective procedures, which some competitors do include either standard or as add-ons. Healthy Paws supports fully digital claims submission via its mobile app or online portal, with most reimbursements processed within two business days; advance payment services are not offered. The plan appeals to digitally engaged pet owners seeking robust accident and illness protection, particularly those prioritizing high coverage limits and fast claim processing over modularity or wellness options.