A surprise vet bill is one of the biggest reasons families end up giving up a pet. Pet insurance can help. Here's how to choose a plan and get a quote in a few minutes.
Answer 6 quick questions below. We'll suggest 2–3 insurers whose verified features match what matters to you.
Click Get a quote to go to each insurer's official quote page. Try a few deductible and reimbursement options to see how the price changes.
Coverage starts after a waiting period, and anything that shows up before then is usually treated as pre-existing. Sooner is better.
Not insurance advice. This page is general information. PetFriendlyPad isn't an insurance agent, isn't affiliated with any insurer and earns no commissions. Our quote links have no affiliate or tracking tags. Always read the policy and confirm details with the insurer.
Facts below come only from each insurer's official website, checked October 17, 2026. A dash (—) means we couldn't verify that detail on their site, not that it isn't offered. We don't list prices because they depend on your pet, plan and ZIP code.
| Insurer | Pets | Plan types | Reimbursement | Annual limit | Pre-existing conditions | Waiting periods | Vets & claims | Wellness / routine care |
|---|---|---|---|---|---|---|---|---|
| Trupanion Get a quote | Dogs and cats under 14 at enrollment | One accident & illness plan | Real-claim examples on its site use 90% coverage | No payout limits (no annual or lifetime limits) | Not covered; enroll early so future conditions are covered | — | Can pay your vet directly | Not offered (doesn't cover routine or wellness care) |
| Healthy Paws Get a quote | Dogs and cats from 8 weeks | Accident & illness | Up to 90% | Options include no payout limits | Not covered | — | Any licensed U.S. vet; you can arrange to have reimbursement paid directly to your vet | — |
| Nationwide Get a quote | Dogs, cats and exotic pets | Accident, illness and wellness options, including accident-only | — | — | Not covered | Most plans start 14 days after approval | Any licensed vet, anywhere in the world | Wellness coverage available |
| Embrace Get a quote | Dogs and cats | Accident & illness | — | — | Separates curable from incurable pre-existing conditions (e.g., ear infections vs. diabetes); reviews 12 months of records | — | Any licensed vet; reimbursement | Optional Wellness Rewards (not available in RI) |
| Fetch Get a quote | Dogs and cats, 6 weeks and up, every age | Accident & illness | Up to 90% | — | Not covered | Up to 15 days for accident & illness | Any vet in the U.S.; covers sick-visit exam fees | Wellness add-on |
| Pumpkin Get a quote | Dogs and cats; no upper age limits or breed restrictions | Accident & illness | 80% or 90% | Options include unlimited | Curable conditions cured and symptom- and treatment-free for 180 days can be covered (except knee/hind-leg ligament conditions) | — | Any licensed vet in the U.S. or Canada; PumpkinNow can pay before treatment | Wellness Club (a wellness plan, not insurance) |
| Spot Get a quote | Dogs and cats | Accident & illness | Up to 90% | Unlimited annual benefit available | — | — | Any licensed vet in the U.S. | Optional wellness add-on |
| ASPCA Pet Health Insurance Get a quote | Dogs and cats | Complete Coverage (accident & illness) or Accident-Only | Up to 90% | — | — | — | Reimbursement by direct deposit or check | Preventive Care add-on (pays on a schedule) |
| Figo Get a quote | Dogs and cats | Accident & illness | Up to 100% | — | Curable conditions may be covered with no signs or symptoms for 12 months after last treatment | — | — | Wellness Powerup (optional) |
| MetLife Pet Insurance Get a quote | Dogs and cats of all breeds; no upper age limit | Accident & illness; Family Plan covers up to 3 pets with one shared deductible | You choose your rate | You choose; no per-incident limits | Typically not covered | — | Reimbursement | Optional Preventive Care add-on |
| Lemonade Get a quote | Dogs and cats | Accident & illness base plan, plus add-ons | — | — | Not covered | 14 days for illnesses, 30 days for orthopedic conditions | Any licensed U.S. vet; reimbursement to your bank account | Preventive packages available |
Accident-only covers injuries like a broken leg or a swallowed toy. It's usually the cheapest option. Accident & illness also covers sickness, from infections to cancer, and is what most people mean by pet insurance. Wellness plans or add-ons help pay for routine care like exams and vaccines. Some are insurance and some aren't.
The amount you pay each year (or, with some insurers, per condition) before the plan starts paying. A higher deductible usually means a lower monthly premium.
The share of a covered bill the insurer pays after your deductible, often 70%, 80% or 90%. Most plans repay you after you pay the vet; a few can pay the vet directly.
The most the plan will pay in a policy year. Some insurers offer unlimited options.
The time between enrolling and when coverage starts, often longer for illnesses or orthopedic problems than for accidents.
Problems that showed signs before coverage started or during the waiting period. They're generally not covered, though some insurers will cover curable conditions after a symptom-free period.
Pet health insurance pays for your pet's vet care. It doesn't cover damage or injuries your pet causes to other people or property. That's liability, which is often part of a renter's insurance policy. Some landlords ask renters with dogs to carry it, and some policies limit or exclude certain breeds, so check yours. Add liability coverage to your pet résumé if you have it.
Assistance animals (service animals and emotional support animals) aren't pets under the Fair Housing Act, so pet fees and pet rent generally don't apply to them. Pet health insurance is still worth considering for them. See our assistance animals guide.
Disclaimer: This page is for general information only and isn't insurance, legal or financial advice. PetFriendlyPad isn't affiliated with, endorsed by or paid by any insurer, and we receive no commissions or referral fees. Coverage, eligibility, waiting periods and exclusions vary by policy and state and can change at any time. Verify all details with the insurer and read your policy before you buy. Questions or corrections: [email protected].