CompareFairlyBest Pet Insurance 2026
Our pick : Figo Pet Insurance (71/100)
Comparison table
| Criterion | Figo Pet Insurance | MetLife Pet Insurance | Healthy Paws Pet Insurance | Spot | Embrace Pet Insurance | ASPCA Pet Health Insurance |
|---|---|---|---|---|---|---|
| Pre-existing Conditions | Not Covered | Not Covered | Not Covered | Covered after waiting period | Not Covered | Not Covered |
| Waiting Period (Accidents) (jours) | 1 | 1 | 1 | — | 2 | 2 |
| Waiting Period (Illnesses) (jours) | 14 | 14 | 15 | 14 | 14 | 14 |
| Wellness Coverage | — | — | — | — | ✓ | — |
| Reimbursement Percentage (%) | 90% | 80% | 80% | 90% | 90% | 90% |
| Accident coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Illness coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Vet choice | Any Licensed Vet | Any Licensed Vet | Any Licensed Vet | Any Licensed Vet | Any Licensed Vet | Any Licensed Vet |
In short
This comparison evaluates 13 pet insurance policies based on 10 criteria, including pre-existing conditions, waiting periods for accidents and illnesses, wellness coverage, monthly premiums, and annual deductibles. Figo Pet Insurance ranks highest with a score of 71 out of 100, largely due to its perfect scores in reimbursement percentage and waiting period for accidents. The data for 5 of the 13 options was sourced directly, while the remaining values are estimates and have been flagged accordingly. The facts in this summary are computed from the table below; only the wording is generated.
Frequently asked questions
What is the best pet insurance in 2026?
Based on our comprehensive comparison, Figo Pet Insurance ranks highest with a score of 71/100, followed closely by MetLife Pet Insurance.
Does pet insurance cover pre-existing conditions?
Generally, most pet insurance plans, including those we reviewed, do not cover pre-existing conditions. It's crucial to check the specific policy details.
How long is the waiting period for pet insurance accidents?
Waiting periods for accidents vary by provider. For example, some plans may have a waiting period of just a few days for accident coverage.
How do you rank pet insurance companies?
Our rankings are based on objective data across key criteria like pre-existing conditions, waiting periods, wellness coverage, monthly premiums, and annual deductibles. Our comparisons are neutral and not influenced by paid placements.
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.