# Best Pet Insurance _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › assurance › assurance animaux **Our pick**: Nationwide (80/100) · **Cheapest**: Lemonade Pet Insurance · **Best value**: Lemonade Pet Insurance ## 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 | 5000 | 15000 | 432 | 600 | | 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 | ## 1. Nationwide In addition to the publicly available plan, Nationwide offers discounted insurance through participating employers. But it’s not necessarily better. **Best for:** Individuals whose employers offer discounted pet insurance plans through Nationwide. **Pros:** - Offers discounted plans through some employers - Employer-based plans may provide extra benefits **Cons:** - Employer-based plans may not always be worth it - Base plans may not include as much coverage as competitors without add-ons _Source (verified): [https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/](https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/)_ ## 2. Healthy Paws Known for its extensive coverage, including hereditary and congenital conditions, with fast reimbursement. _Source (estimate): [https://www.healthypawspetinsurance.com/](https://www.healthypawspetinsurance.com/)_ ## 3. Lemonade Pet Insurance 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. **Best for:** Existing Lemonade customers looking for multi-policy bundle discounts, or cat owners seeking affordable and user-friendly 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 **Cons:** - Premiums can be comparable or more expensive once all features matching competitors are added _Source (verified): [https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/](https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/)_ ## 4. Embrace Pet Insurance Provides comprehensive coverage with optional wellness plans and a 24/7 vet helpline. _Source (estimate): [https://www.embracepetinsurance.com/](https://www.embracepetinsurance.com/)_ ## 5. Figo Offers unlimited annual coverage options and a user-friendly app with pet owner resources. _Source (estimate): [https://figopetinsurance.com/](https://figopetinsurance.com/)_ ## 6. Trupanion Trupanion has a wide network of participating vets that can accept payments for covered treatments. But the plans are more expensive. **Best for:** Pet owners who prefer direct payments to their vet and whose pets may develop ongoing, expensive illnesses. **Pros:** - Wide network of participating vets for direct payments (VetDirect Pay) - Per-condition deductible model may save money for ongoing illnesses **Cons:** - Plans are generally more expensive _Source (verified): [https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/](https://www.nytimes.com/wirecutter/reviews/best-pet-insurance/)_ ## 7. ASPCA Pet Health Insurance 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. **Best for:** Pet owners seeking extensive coverage for a wide range of medical needs, including hereditary conditions, behavioral issues, and alternative therapies. **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 _Source (verified): [https://www.aspcapetinsurance.com/](https://www.aspcapetinsurance.com/)_ ## 8. Petplan Covers a wide range of conditions, including chronic and hereditary issues, with flexible deductibles. _Source (estimate): [https://www.petplan.com/](https://www.petplan.com/)_ ## 9. MetLife ## 10. Liberty Mutual ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-pet-insurance — citation with a link is allowed; bulk extraction/redistribution is prohibited._