Best Pet Insurance
Top pet insurance ranked by transparent trust scores.
8 products ranked
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Top Pick
9.4
Excellent
Lemonade Pet Insurance
Ranked #1 based on expert reviews, user sentiment, and value analysis.
#1
9.4
Excellent
Consensus
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Ranked #1 based on expert reviews, user sentiment, and value analysis.
Pros
- AI-powered instant claim processing
- AI-powered instant claim processing
- Highly customizable coverage add-ons
Cons
- Add-ons increase cost significantly
- Add-ons increase cost significantly
- Newer company with shorter track record
Don't buy this if…
- Pre-existing conditions are never covered, and conditions diagnosed during the waiting period are considered pre-existing.
- Pre-existing conditions are never covered, and conditions diagnosed during the waiting period are considered pre-existing.
#2
9.2
Excellent
Consensus
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Ranked #2 based on expert reviews, user sentiment, and value analysis.
Pros
- No caps on claim payouts ever
- No caps on claim payouts ever
- Fast 2-day average claim processing
Cons
- No wellness or routine care coverage
- No wellness or routine care coverage
- Premiums increase significantly with pet age
Don't buy this if…
- Premiums typically increase 10-20% annually as your pet ages, which can make coverage expensive for senior pets.
- Premiums typically increase 10-20% annually as your pet ages, which can make coverage expensive for senior pets.
#3
9.0
Excellent
Consensus
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Ranked #3 based on expert reviews, user sentiment, and value analysis.
Pros
- Diminishing deductible saves money over time
- Diminishing deductible saves money over time
- Covers dental disease unlike most plans
Cons
- Longer waiting periods for some conditions
- Longer waiting periods for some conditions
- Wellness plan costs extra
Don't buy this if…
- Orthopedic conditions have a 6-month waiting period for dogs, which is longer than many competitors.
- Orthopedic conditions have a 6-month waiting period for dogs, which is longer than many competitors.
#4
8.7
Excellent
Consensus
Compare
Ranked #4 based on expert reviews, user sentiment, and value analysis.
Pros
- Highly customizable deductibles and limits
- Highly customizable deductibles and limits
- 30-day money-back guarantee
Cons
- 14-day waiting period for accidents
- 14-day waiting period for accidents
- Premium increases not always transparent
Don't buy this if…
- The 30-day money-back guarantee does not apply if you have filed a claim during that period.
- The 30-day money-back guarantee does not apply if you have filed a claim during that period.
#5
8.5
Excellent
Consensus
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Ranked #5 based on expert reviews, user sentiment, and value analysis.
Pros
- Direct payment to vet clinics
- Direct payment to vet clinics
- No payout limits whatsoever
Cons
- Only one deductible option per condition
- Only one deductible option per condition
- Higher premiums than many competitors
Don't buy this if…
- Trupanion uses a per-condition deductible rather than an annual deductible, which can be costly if your pet develops multiple conditions.
- Trupanion uses a per-condition deductible rather than an annual deductible, which can be costly if your pet develops multiple conditions.
#6
8.3
Good
Consensus
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Ranked #6 based on expert reviews, user sentiment, and value analysis.
Pros
- No upper age limit for enrollment
- No upper age limit for enrollment
- Multiple plan tiers to fit any budget
Cons
- Annual payout limits on most plans
- Annual payout limits on most plans
- Claims can take up to 14 days
Don't buy this if…
- The most affordable plans have low annual limits that may not cover major surgeries or extended treatments.
- The most affordable plans have low annual limits that may not cover major surgeries or extended treatments.
#7
8.1
Good
Consensus
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Ranked #7 based on expert reviews, user sentiment, and value analysis.
Pros
- Trusted ASPCA brand backing
- Trusted ASPCA brand backing
- 10% multi-pet discount
Cons
- Administered by Crum & Forster, not ASPCA directly
- Administered by Crum & Forster, not ASPCA directly
- Limited customization options
Don't buy this if…
- The ASPCA brand is licensed but the insurance is underwritten and managed by a separate company.
- The ASPCA brand is licensed but the insurance is underwritten and managed by a separate company.
#8
7.9
Good
Consensus
Compare
Ranked #8 based on expert reviews, user sentiment, and value analysis.
Pros
- Covers dental injuries and behavioral therapy
- Covers dental injuries and behavioral therapy
- Alternative treatment coverage included
Cons
- Higher premiums for comprehensive coverage
- Higher premiums for comprehensive coverage
- Claims processing can be slow
Don't buy this if…
- Behavioral therapy coverage requires the condition to be diagnosed by a veterinary behaviorist, not a general vet.
- Behavioral therapy coverage requires the condition to be diagnosed by a veterinary behaviorist, not a general vet.
Quick Comparison
How We Rank
Composite trust score from expert reviews, user sentiment, complaint analysis, and value assessment.
Trust Score
Weighted composite of all factor scores
Expert Score
Aggregated expert review ratings
User Sentiment
Community votes and review analysis
Value Score
Price-to-performance ratio
Freshness
Recency of reviews and data
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