CompareFairlyBest Pet Insurance 2026
Our pick : Nationwide (80/100) · Cheapest : Lemonade Pet Insurance · Best value : Lemonade Pet Insurance
In short
This comparison evaluates 10 pet insurance policies based on 11 criteria, including pre-existing conditions coverage, annual coverage limits, reimbursement percentages, waiting periods for illness and accidents, and preventive care coverage. Nationwide ranks highest with a score of 80/100, largely due to its perfect scores in mobile app availability and preventive care coverage, while Healthy Paws follows closely at 76/100, excelling in pre-existing conditions coverage. Lemonade Pet Insurance is identified as the most affordable option. It's important to note that the data for 4 out of the 10 options is sourced, with the remaining values being estimates clearly marked as such. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Nationwide | Healthy Paws | Lemonade Pet Insurance | Embrace Pet Insurance | Figo | Trupanion |
|---|---|---|---|---|---|---|
| Pre-existing Conditions Coverage | Limited | Standard | Limited | Limited | Limited | Standard |
| Annual Coverage Limit (USD) | 10000 | 480.0 | 5000 | 15000 | 432.0 | 600.0 |
| Reimbursement Percentage (%) | 90% | 90% | 90% | 90% | 90% | 90% |
| Waiting Period for Illness (jours) | 14 | 15 | 14 | 14 | 14 | 30 |
| Waiting Period for Accident (jours) | 2 | 1 | 2 | 2 | 1 | 5 |
| Preventive Care Coverage | Comprehensive | None | None | Basic | Basic | None |
| Monthly Price (USD) | 35 | 40 | 28 | 38 | 36 | 50 |
| Deductible (USD) | 250 | 200 | 150 | 250 | 200 | 200 |
| Customer Service Rating (etoiles) | 4.5 | 4.7 | 4.4 | 4.4 | 4.5 | 4.6 |
| Reimbursement Speed | Fast | Fast | Fast | Moderate | Fast | Fast |
| Mobile App Availability | Yes | Yes | Yes | Yes | Yes | Yes |
Frequently asked questions
What is the best pet insurance in 2026?
Nationwide is currently ranked as the best pet insurance with a score of 80/100, followed closely by Healthy Paws, based on our comprehensive comparison.
How does pet insurance coverage for pre-existing conditions work?
Coverage for pre-existing conditions varies significantly between providers; it's crucial to check each policy's specific terms as many plans exclude them.
What factors should I consider when choosing pet insurance?
Key factors include pre-existing conditions coverage, annual coverage limits, reimbursement percentages, waiting periods for illness and accidents, and whether preventive care is included.
Is your pet insurance ranking sponsored?
No, our ranking is completely neutral and not influenced by any sponsored placements; each data point is independently sourced and verified.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.