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: 4.9
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)
WORST FEATURES
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
BEST FEATURES
+ Easy claim processing through their mobile app
+ Unlimited lifetime benefits
WORST FEATURES
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
OUR RATING: 4.4
7. PAWP PET INSURANCE
Best Emergency Care
BEST FEATURES
+ 24/7 telehealth visits
+ Low premium meant for emergencies
WORST FEATURES
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
OUR RATING: 4.2