{
  "canary": "88f9af45614ffacd",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Coverage",
        "key": "couverture_conditions_preexistantes",
        "label": "Pre-existing Conditions Coverage",
        "options": [
          "None",
          "Limited",
          "Standard"
        ],
        "poids": 5,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Coverage",
        "key": "couverture_max_annuelle",
        "label": "Annual Coverage Limit",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Coverage",
        "key": "remboursement_pourcentage",
        "label": "Reimbursement Percentage",
        "options": [
          "70%",
          "80%",
          "90%",
          "100%"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Coverage",
        "key": "delai_attente_maladie",
        "label": "Waiting Period for Illness",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "duree",
        "unit": "jours"
      },
      {
        "group": "Coverage",
        "key": "delai_attente_accident",
        "label": "Waiting Period for Accident",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "duree",
        "unit": "jours"
      },
      {
        "group": "Coverage",
        "key": "couverture_soins_preventifs",
        "label": "Preventive Care Coverage",
        "options": [
          "None",
          "Basic",
          "Comprehensive"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Pricing",
        "key": "prix_mensuel",
        "label": "Monthly Price",
        "poids": 5,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Pricing",
        "key": "franchise",
        "label": "Deductible",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Service",
        "key": "service_client",
        "label": "Customer Service Rating",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "etoiles"
      },
      {
        "group": "Service",
        "key": "vitesse_remboursement",
        "label": "Reimbursement Speed",
        "options": [
          "Slow",
          "Moderate",
          "Fast"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Service",
        "key": "application_mobile",
        "label": "Mobile App Availability",
        "options": [
          "No",
          "Yes"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "enum"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What is the best pet insurance in 2026?"
      },
      {
        "a": "Coverage for pre-existing conditions varies significantly between providers; it's crucial to check each policy's specific terms as many plans exclude them.",
        "q": "How does pet insurance coverage for pre-existing conditions work?"
      },
      {
        "a": "Key factors include pre-existing conditions coverage, annual coverage limits, reimbursement percentages, waiting periods for illness and accidents, and whether preventive care is included.",
        "q": "What factors should I consider when choosing pet insurance?"
      },
      {
        "a": "No, our ranking is completely neutral and not influenced by any sponsored placements; each data point is independently sourced and verified.",
        "q": "Is your pet insurance ranking sponsored?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2476,
    "neutral": false,
    "path": [
      "finance",
      "assurance",
      "assurance-animaux"
    ],
    "price_key": "prix_mensuel",
    "profile_questions": [
      {
        "options": [
          "dog",
          "cat",
          "other"
        ],
        "q": "Type of pet?"
      },
      {
        "options": [
          "puppy/kitten (0-2)",
          "adult (3-7)",
          "senior (8+)"
        ],
        "q": "Pet's age group?"
      },
      {
        "options": [
          "low",
          "medium",
          "high"
        ],
        "q": "What is your budget?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "pet insurance comparison",
      "cheapest pet insurance",
      "pet insurance for dogs",
      "pet insurance for cats"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Pet Insurance",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 6.7,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "best_for": "Individuals whose employers offer discounted pet insurance plans through Nationwide.",
      "cons": [
        "Employer-based plans may not always be worth it",
        "Base plans may not include as much coverage as competitors without add-ons"
      ],
      "description": "In addition to the publicly available plan, Nationwide offers discounted insurance through participating employers. But it’s not necessarily better.",
      "link_url": "https://nationwide.com/",
      "logo_dom": "nationwide.com",
      "logo_url": "https://unavatar.io/nationwide.com?fallback=false",
      "name": "Nationwide",
      "pros": [
        "Offers discounted plans through some employers",
        "Employer-based plans may provide extra benefits"
      ],
      "provider": "Nationwide",
      "score": 80.0,
      "source_url": "https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "couverture_conditions_preexistantes": 50.0,
        "couverture_max_annuelle": 67.0,
        "couverture_soins_preventifs": 100.0,
        "delai_attente_accident": 50.0,
        "delai_attente_maladie": 100.0,
        "franchise": 60.0,
        "prix_mensuel": 80.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 96.0,
        "vitesse_remboursement": 100.0
      },
      "values": {
        "application_mobile": "Yes",
        "couverture_conditions_preexistantes": "Limited",
        "couverture_max_annuelle": 10000,
        "couverture_soins_preventifs": "Comprehensive",
        "delai_attente_accident": 2,
        "delai_attente_maladie": 14,
        "franchise": 250,
        "prix_mensuel": 35,
        "remboursement_pourcentage": "90%",
        "service_client": 4.5,
        "vitesse_remboursement": "Fast"
      },
      "verified": true
    },
    {
      "badges": [],
      "derived": [
        "couverture_max_annuelle"
      ],
      "description": "Known for its extensive coverage, including hereditary and congenital conditions, with fast reimbursement.",
      "estimated": true,
      "logo_dom": "healthy.com",
      "logo_url": "https://unavatar.io/healthy.com?fallback=false",
      "name": "Healthy Paws",
      "provider": "Healthy Paws",
      "score": 76.0,
      "source_url": "https://www.healthypawspetinsurance.com/",
      "subscores": {
        "application_mobile": 100.0,
        "couverture_conditions_preexistantes": 100.0,
        "couverture_max_annuelle": 3.0,
        "couverture_soins_preventifs": 0.0,
        "delai_attente_accident": 100.0,
        "delai_attente_maladie": 93.0,
        "franchise": 75.0,
        "prix_mensuel": 70.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 100.0,
        "vitesse_remboursement": 100.0
      },
      "values": {
        "application_mobile": "Yes",
        "couverture_conditions_preexistantes": "Standard",
        "couverture_max_annuelle": 480.0,
        "couverture_soins_preventifs": "None",
        "delai_attente_accident": 1,
        "delai_attente_maladie": 15,
        "franchise": 200,
        "prix_mensuel": 40,
        "remboursement_pourcentage": "90%",
        "service_client": 4.7,
        "vitesse_remboursement": "Fast"
      }
    },
    {
      "badges": [
        "cheapest",
        "best_value"
      ],
      "best_for": "Existing Lemonade customers looking for multi-policy bundle discounts, or cat owners seeking affordable and user-friendly insurance.",
      "cons": [
        "Premiums can be comparable or more expensive once all features matching competitors are added"
      ],
      "description": "If you already have a policy with Lemonade for your car, house, or apartment, you may benefit from a healthy bundle discount if you add the company’s pet insurance.",
      "link_url": "https://lemonade.com/",
      "logo_dom": "lemonade.com",
      "logo_url": "https://unavatar.io/lemonade.com?fallback=false",
      "name": "Lemonade Pet Insurance",
      "pros": [
        "Offers discounts for bundling with other Lemonade insurance policies (home, renter's, auto)",
        "Customizable coverage to be bare-bones and cheap",
        "Best all-around cat insurance policy at affordable rates",
        "World-class user experience and award-winning customer service"
      ],
      "provider": "Lemonade",
      "score": 75.0,
      "source_url": "https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "couverture_conditions_preexistantes": 50.0,
        "couverture_max_annuelle": 33.0,
        "couverture_soins_preventifs": 0.0,
        "delai_attente_accident": 50.0,
        "delai_attente_maladie": 100.0,
        "franchise": 100.0,
        "prix_mensuel": 100.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 94.0,
        "vitesse_remboursement": 100.0
      },
      "values": {
        "application_mobile": "Yes",
        "couverture_conditions_preexistantes": "Limited",
        "couverture_max_annuelle": 5000,
        "couverture_soins_preventifs": "None",
        "delai_attente_accident": 2,
        "delai_attente_maladie": 14,
        "franchise": 150,
        "prix_mensuel": 28,
        "remboursement_pourcentage": "90%",
        "service_client": 4.4,
        "vitesse_remboursement": "Fast"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Provides comprehensive coverage with optional wellness plans and a 24/7 vet helpline.",
      "estimated": true,
      "link_url": "https://www.embracepetinsurance.com/",
      "logo_dom": "embrace.com",
      "logo_url": "https://unavatar.io/embrace.com?fallback=false",
      "name": "Embrace Pet Insurance",
      "provider": "Embrace Pet Insurance",
      "score": 75.0,
      "source_url": "https://www.embracepetinsurance.com/",
      "subscores": {
        "application_mobile": 100.0,
        "couverture_conditions_preexistantes": 50.0,
        "couverture_max_annuelle": 100.0,
        "couverture_soins_preventifs": 50.0,
        "delai_attente_accident": 50.0,
        "delai_attente_maladie": 100.0,
        "franchise": 60.0,
        "prix_mensuel": 74.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 94.0,
        "vitesse_remboursement": 50.0
      },
      "values": {
        "application_mobile": "Yes",
        "couverture_conditions_preexistantes": "Limited",
        "couverture_max_annuelle": 15000,
        "couverture_soins_preventifs": "Basic",
        "delai_attente_accident": 2,
        "delai_attente_maladie": 14,
        "franchise": 250,
        "prix_mensuel": 38,
        "remboursement_pourcentage": "90%",
        "service_client": 4.4,
        "vitesse_remboursement": "Moderate"
      },
      "verified": false
    },
    {
      "badges": [],
      "derived": [
        "couverture_max_annuelle"
      ],
      "description": "Offers unlimited annual coverage options and a user-friendly app with pet owner resources.",
      "estimated": true,
      "link_url": "https://figo.com/",
      "logo_dom": "figo.com",
      "logo_url": "https://unavatar.io/figo.com?fallback=false",
      "name": "Figo",
      "provider": "Figo",
      "score": 75.0,
      "source_url": "https://figopetinsurance.com/",
      "subscores": {
        "application_mobile": 100.0,
        "couverture_conditions_preexistantes": 50.0,
        "couverture_max_annuelle": 3.0,
        "couverture_soins_preventifs": 50.0,
        "delai_attente_accident": 100.0,
        "delai_attente_maladie": 100.0,
        "franchise": 75.0,
        "prix_mensuel": 78.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 96.0,
        "vitesse_remboursement": 100.0
      },
      "values": {
        "application_mobile": "Yes",
        "couverture_conditions_preexistantes": "Limited",
        "couverture_max_annuelle": 432.0,
        "couverture_soins_preventifs": "Basic",
        "delai_attente_accident": 1,
        "delai_attente_maladie": 14,
        "franchise": 200,
        "prix_mensuel": 36,
        "remboursement_pourcentage": "90%",
        "service_client": 4.5,
        "vitesse_remboursement": "Fast"
      },
      "verified": false
    },
    {
      "badges": [],
      "best_for": "Pet owners who prefer direct payments to their vet and whose pets may develop ongoing, expensive illnesses.",
      "cons": [
        "Plans are generally more expensive"
      ],
      "derived": [
        "couverture_max_annuelle"
      ],
      "description": "Trupanion has a wide network of participating vets that can accept payments for covered treatments. But the plans are more expensive.",
      "link_url": "https://trupanion.com/",
      "logo_dom": "trupanion.com",
      "logo_url": "https://unavatar.io/trupanion.com?fallback=false",
      "name": "Trupanion",
      "pros": [
        "Wide network of participating vets for direct payments (VetDirect Pay)",
        "Per-condition deductible model may save money for ongoing illnesses"
      ],
      "provider": "Trupanion",
      "score": 64.0,
      "source_url": "https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "couverture_conditions_preexistantes": 100.0,
        "couverture_max_annuelle": 4.0,
        "couverture_soins_preventifs": 0.0,
        "delai_attente_accident": 20.0,
        "delai_attente_maladie": 47.0,
        "franchise": 75.0,
        "prix_mensuel": 56.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 98.0,
        "vitesse_remboursement": 100.0
      },
      "values": {
        "application_mobile": "Yes",
        "couverture_conditions_preexistantes": "Standard",
        "couverture_max_annuelle": 600.0,
        "couverture_soins_preventifs": "None",
        "delai_attente_accident": 5,
        "delai_attente_maladie": 30,
        "franchise": 200,
        "prix_mensuel": 50,
        "remboursement_pourcentage": "90%",
        "service_client": 4.6,
        "vitesse_remboursement": "Fast"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Pet owners seeking extensive coverage for a wide range of medical needs, including hereditary conditions, behavioral issues, and alternative therapies.",
      "cons": [],
      "derived": [
        "couverture_max_annuelle"
      ],
      "description": "Coverage that offers things you’d want and expect for your pet when they’re hurt or sick and covers exam fees and costs of diagnostics and treatment for accidents, illnesses, hereditary conditions, and behavioral issues.",
      "link_url": "https://www.aspcapetinsurance.com/",
      "logo_dom": "aspca.com",
      "logo_url": "https://unavatar.io/aspca.com?fallback=false",
      "name": "ASPCA Pet Health Insurance",
      "pros": [
        "Covers exam fees, diagnostics, and treatment for accidents and illnesses",
        "Includes hereditary conditions and behavioral issues",
        "Covers dental diseases and extractions for dental accidents",
        "Offers alternative therapies like acupuncture and chiropractic care"
      ],
      "provider": "ASPCA Pet Health Insurance",
      "provider_url": "https://www.aspcapetinsurance.com/",
      "score": 63.0,
      "source_url": "https://www.aspcapetinsurance.com/",
      "subscores": {
        "application_mobile": 0.0,
        "couverture_conditions_preexistantes": 50.0,
        "couverture_max_annuelle": 3.0,
        "couverture_soins_preventifs": 50.0,
        "delai_attente_accident": 50.0,
        "delai_attente_maladie": 100.0,
        "franchise": 75.0,
        "prix_mensuel": 88.0,
        "remboursement_pourcentage": 100.0,
        "service_client": 91.0,
        "vitesse_remboursement": 50.0
      },
      "values": {
        "application_mobile": "No",
        "couverture_conditions_preexistantes": "Limited",
        "couverture_max_annuelle": 384.0,
        "couverture_soins_preventifs": "Basic",
        "delai_attente_accident": 2,
        "delai_attente_maladie": 14,
        "franchise": 200,
        "prix_mensuel": 32,
        "remboursement_pourcentage": "90%",
        "service_client": 4.3,
        "vitesse_remboursement": "Moderate"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Covers a wide range of conditions, including chronic and hereditary issues, with flexible deductibles.",
      "estimated": true,
      "logo_dom": "petplan.com",
      "logo_url": "https://unavatar.io/petplan.com?fallback=false",
      "name": "Petplan",
      "provider": "Petplan",
      "score": 62.0,
      "source_url": "https://www.petplan.com/",
      "subscores": {
        "application_mobile": 0.0,
        "couverture_conditions_preexistantes": 50.0,
        "couverture_max_annuelle": 67.0,
        "couverture_soins_preventifs": 0.0,
        "delai_attente_accident": 33.0,
        "delai_attente_maladie": 100.0,
        "franchise": 60.0,
        "prix_mensuel": 93.0,
        "remboursement_pourcentage": 89.0,
        "service_client": 89.0,
        "vitesse_remboursement": 50.0
      },
      "values": {
        "application_mobile": "No",
        "couverture_conditions_preexistantes": "Limited",
        "couverture_max_annuelle": 10000,
        "couverture_soins_preventifs": "None",
        "delai_attente_accident": 3,
        "delai_attente_maladie": 14,
        "franchise": 250,
        "prix_mensuel": 30,
        "remboursement_pourcentage": "80%",
        "service_client": 4.2,
        "vitesse_remboursement": "Moderate"
      },
      "verified": false
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://metlife.com/",
      "name": "MetLife",
      "score": 23.0,
      "subscores": {
        "couverture_max_annuelle": 33.0,
        "franchise": 30.0,
        "prix_mensuel": 54.0,
        "remboursement_pourcentage": 100.0
      },
      "values": {
        "couverture_max_annuelle": "5000",
        "franchise": "500",
        "prix_mensuel": "51.94",
        "remboursement_pourcentage": "90%"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://libertymutual.com/",
      "name": "Liberty Mutual",
      "score": 22.0,
      "subscores": {
        "couverture_max_annuelle": 33.0,
        "franchise": 30.0,
        "prix_mensuel": 51.0,
        "remboursement_pourcentage": 100.0
      },
      "values": {
        "couverture_max_annuelle": "5000",
        "franchise": "500",
        "prix_mensuel": "55.25",
        "remboursement_pourcentage": "90%"
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-pet-insurance.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best pet insurance",
  "source": "CompareFairly",
  "title": "Best Pet Insurance",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-pet-insurance"
}