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Accurate as of February 20th, 2025

Top6 Pet Insurance Providers

Best Pet Insurance

1
Embrace Pet Insurance logo
5.00

Top6 Score

Embrace Pet Insurance

Provides tailored coverage for accidents, illnesses, and routine care.

Includes options for alternative therapies and behavioral treatments.

Offers flexible policies to suit individual budgets and needs.

No breed or age restrictions, ensuring inclusivity for all pets.

Features a simple claims process with fast reimbursement.

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2
Lemonade logo
5.00

Top6 Score

Lemonade

Comparatively inexpensive for new pets, relative to other plans

The waiting time for accidental coverage is only two days

You may choose whether or not to include a wellness plan in your insurance

Optional $100 Deductible

The cost of a vet trip is covered for emergencies or sickness

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3
Fetch Pet Insurance logo
4.98

Top6 Score

Fetch Pet Insurance

Covers accidents, illnesses, dental care, diagnostics, and behavioral treatments.

Includes coverage for alternative therapies and physical rehabilitation.

Offers flexible reimbursement rates and deductibles to suit individual budgets.

Can be used by any veterinarian in the U.S. or Canada

Provides transparent claims processing with quick payouts.

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4
Pumpkin logo
4.45

Top6 Score

Pumpkin

Covers accidents, illnesses, and routine wellness care such as exams and vaccines.

Features high reimbursement rates for eligible expenses.

No upper age limit, providing coverage for pets at all life stages.

Fast claims process for quick reimbursements.

Offers a user-friendly platform with clear, transparent policy details.

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5
Everything Pet Place logo
4.40

Top6 Score

Everything Pet Place

Extensive coverage options for various pet needs, including accidents, illnesses, and routine care.

Customizable plans tailored to your pet's age, breed, and specific healthcare requirements.

Financial security, helping you manage unexpected veterinary expenses.

Access to your preferred veterinarians and clinics for pet healthcare.

Ongoing support and assistance throughout the claims process and pet insurance-related inquiries.

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6
Spot Pet Insurance logo
4.30

Top6 Score

Spot Pet Insurance

One may choose from accident-only plans or those that include cover sickness

Choice of Unrestricted Insurance

Accident/illness-related medical examination costs are covered

Substantially reduced rates for extra pets

Two types of plans for cats and dogs

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7
ASPCA Pet Insurance logo
4.00

Top6 Score

ASPCA Pet Insurance

Reductions for numerous pets

Preventive health measures

Payment of up to 90% of expenses

Customer assistance is accessible after hours and on weekends

Packages for many animals and policies are on offer

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8
Figo Pet Insurance logo
2.00

Top6 Score

Figo Pet Insurance

Coverage options, and access to a veterinarian, may be tailored to your needs

Most insurance claims are settled within three days

Boosts may be purchased separately to provide customized protection

Help with claims through phone, email, and text messages

Features a simple mobile app for handling claims and policies 

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9
Metlife Pet Insurance logo
1.00

Top6 Score

Metlife Pet Insurance

No need for a vet exam or proof of past enrolment to join.

Pet-advocates who care deeply and have been working with communities for 15 years.

No breed or age restrictions

Only service provider to give policies that cover multiple pets under a single plan.

Rates starting at $16.57

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