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: 4.9

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: 4.8

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: 4.7

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: 4.6

5.    ASPCA PET INSURANCE

Most Customizable: For people who want a low deductible and minimal out-of-pocket cost
BEST FEATURES

+ Covers microchipping

+ Low deductibles

WORST FEATURES

× Poor customer reviews

× ‘Actual veterinary costs’ lower than most bills for quality care

OUR RATING: 4.5

6.    PRUDENT PET INSURANCE

Best Comprehensive Plans: Dog or cat parents who want a solid plan with all of the basic options.
BEST FEATURES

+ Solid preventive care options

+ Flexible annual limits

WORST FEATURES
× Only covers dogs and cats

OUR RATING: 4.4

7.    PAWP PET INSURANCE

Best Emergency Care
BEST FEATURES

+ 24/7 telehealth visits

+ Low premium meant for emergencies

WORST FEATURES
× $3,000 max to use per year

OUR RATING: 4.3

8.    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: 4.2