No. 1Editor’s Choice
Lemonade
4.7/5The lowest prices we found and the fastest claims, as long as you add the extras you need.
- Dogs from
- $26/mo
- Claims
- Minutes to 3 days
The pet insurance authority
We read every policy document, price real quotes in 12 cities and track how fast claims are paid. Then we tell you, plainly, which plan fits your pet.
- 8 insurers reviewed
- 50 states
- Independent & free
Est. 2026
Vol. 01
Pet insurance, reviewed
Read the policy,
not the brochure.
- Lemonade
- Spot
- Embrace
- Fetch
- Pets Best
- Healthy Paws
- ASPCA
01Estimate
What will it cost for your pet?
Pick a species, breed and age. Our estimate comes from sample quotes we gather across 12 US cities every quarter.
2 years
Estimated monthly premium
$–$
Estimated $27 to $40 per month
per month · young adult dog
Based on our sample quotes across 12 US cities at a $500 deductible and 80% reimbursement. Your ZIP code and chosen plan settings will move the final price.
02Methodology
How we score every insurer
Four weighted criteria, applied identically to every company. No insurer can pay to change its score.
0140%
Coverage
What the base policy actually pays for: exam fees, hereditary conditions, dental illness, alternative therapy, behavioral care and annual limits.
0230%
Price
Sample monthly premiums for dogs and cats across 12 US cities, at matched $500 deductibles and 80% reimbursement.
0320%
Claims speed
Median time from claim submission to reimbursement, how claims are filed, and whether direct vet payment is available.
0410%
Exclusions
How narrowly pre-existing conditions are defined, orthopedic waiting periods, age caps and bilateral-condition clauses.
03Top picks
The three plans we recommend most
Ranked on our weighted score after reviewing 8 insurers' policy documents line by line.
No. 2
Embrace
4.6/5The most complete standard policy we reviewed, with the fairest take on pre-existing conditions.
- Dogs from
- $32/mo
- Claims
- 5 – 10 business days
No. 3
Spot
4.5/5The most flexible plan on the market, and the one without an orthopedic waiting period.
- Dogs from
- $29/mo
- Claims
- About 10 business days
04By breed
Every breed has its own risks
Premiums and the right policy clauses depend heavily on breed. Start with yours.
05Real costs
What a bad year at the vet actually costs
Average US treatment costs for the conditions behind the most pet insurance claims, and whether a standard accident and illness plan pays.
| Condition | Avg. treatment cost | Covered by insurance |
|---|---|---|
| Hip dysplasiaAfter orthopedic waiting period | $3,500 | Covered |
| Cruciate ligament tearWaiting period varies by insurer | $2,800 | Covered |
| CancerSubject to annual limit | $4,100 | Covered |
| DiabetesIf diagnosed after enrollment | $2,700 | Covered |
| Swallowed foreign objectClassified as an accident | $3,200 | Covered |
| Routine dental cleaningWellness add-on only | $600 | Not covered |
“We review the plans. You pick the best one.”
Live quote engine
Compare real-time prices from multiple insurers in one form.
Enter your ZIP code, pet’s breed and age to see personalized quotes. Takes about 60 seconds.
06FAQ
Straight answers
For a young mixed-breed dog, comprehensive accident and illness coverage typically costs $26 to $45 a month at a $500 deductible and 80% reimbursement. Cats usually cost $14 to $25. Breed, age and ZIP code move the price significantly.
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