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
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)
WORST FEATURES
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
BEST FEATURES
+ Easy claim processing through their mobile app
+ Unlimited lifetime benefits
WORST FEATURES
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
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