1.    SPOT PET INSURANCE

Best Overall: For pet parents who want help training their pets to eliminate certain vet visits
BEST FEATURES

+ Preventive care add-on and no exam fees

+ No age limits

WORST FEATURES
× No prescription pet food coverage

OUR RATING: 4.5

2.    LEMONADE PET INSURANCE

Most Affordable: For pet parents who want to bundle with other Lemonade products
BEST FEATURES

+ Fully Online Experience

+ Extra preventative care for kittens and puppies (under 2 years old)

+ Coverage available for exam fees and physical therapy
WORST FEATURES
× New to the market

OUR RATING: 4.6

3.    EMBRACE PET INSURANCE

Best For Deductibles: For pet parents who want nose-to-tail coverage
BEST FEATURES

+ Cancer medication coverage

+ Dental care

+ Healthy Pet Deductible

WORST FEATURES

× Strict pre-existing condition exclusions

× Annual maximums

OUR RATING: 4.5

4.    HEALTHY PAWS PET INSURANCE

Best For Pets With Chronic Conditions
Healthy Paws Pet Insurance
BEST FEATURES

+ Easy claim processing through their mobile app

+ Unlimited lifetime benefits

WORST FEATURES
× Doesn’t cover exam fees

OUR RATING: 4.2

5.    FIGO PET INSURANCE

Most Cost-Effective Provider
BEST FEATURES

+ 30-day money-back guarantee

+ Pet Cloud app with 24/7 live vet access

WORST FEATURES
× Standard plan doesn't pay exam fees

OUR RATING: 4.5

Wagmo Pet Insurance

Best For: People who want immediate reimbursement

BEST FEATURES

+ Up to 100% reimbursement

+ 'Wellness First' puts a good focus on prevention

+ Lots of available discounts

WORST FEATURES

× Insurance plans are not yet available in every state

× Newer to the market, so will need to prove out it's coverage claims over time

OUR RATING: 4.1

TRUPANION PET INSURANCE

Best For: People who don't want coverage caps

BEST FEATURES

+ Vet Direct Pay

+ No coverage caps, 90% reimbursement in all plans

WORST FEATURES

× Strict pre-existing condition exclusions

OUR RATING: 3.9