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Popular pet insurance providers in 2026

Pet parents always want the best for their pets, and a pet insurance plan is something that can help with that. However, selecting the right plan is important. With so many providers, coverage types, and price points, making a choice can feel confusing. A good place to start is to compare plans from well-known providers. A quick pet insurance comparison can help one pick the best coverage for their pet’s specific health needs while avoiding overpaying.

Spot

Spot’s pet insurance plans cover a lot of things that other insurers do not, including doctor-suggested pet food, behavioral training, and alternative therapies, such as acupuncture and chiropractic care. Its plans also cover certain pre-existing conditions, provided the pet has been cured of them and has not required treatment for 180 days. A 24/7 helpline, price discounts, and a zero waiting period for preventive care are some other benefits that make Spot one of the best pet insurance companies.

The monthly cost for Spot’s pet insurance plans starts at around $10 for accident-only coverage and around $15 for complete coverage, though pricing varies based on the pet’s age, breed, and location.

Fetch

It currently insures more than 400,000 pets, making it one of the largest pet insurance providers. The company covers visits to any licensed veterinarian across the U.S. and Canada. Once a claim is approved, one receives a reimbursement of up to 90% within just two days.

The insurance plans cover dental issues, alternative treatments, sick visit exam fees, and virtual vet consultations for up to $1,000 per year. Fetch waives the waiting period for knee injuries, provided a vet examines the issue within the first 30 days. The average monthly cost for an insurance plan is about $50.

Embrace

This pet insurance provider covers pre-existing conditions that are curable. It also waives off or reduces the waiting period on orthopedic conditions, provided a vet examines the pet early on. The best benefit, though, is that one can customize their plan by selecting a deductible, annual maximum, and reimbursement percentage.

A 24/7 helpline, coverage for exam fees, and easy-to-understand policies are a few other benefits of choosing Embrace. The average cost of a policy comes to around $50 per month.

Lemonade

For more affordable pet health coverage options, one can consider Lemonade. This provider has policies with an average monthly cost of only about $20. It also offers discounts when someone bundles their pet insurance with another insurance. The company follows a charitable model, donating its unused premium funds to nonprofits chosen by policyholders.

Lemonade has no waiting period for serious and urgent issues, such as accidents and preventive care. For illnesses and orthopedic conditions, waiting periods are 14 days and 30 days, respectively.

Figo

One reason Figo is so popular is that it has no upper age limit for pets. This means one does not have to worry about being too late to enroll their pets. The company also offers unlimited annual coverage and reimbursement options that can reach 100% for some policies.

Through Figo, one gets access to 24/7 vet consultations via video chat. This is in addition to access to a mobile app that stores pet health records and tracks claims in real time. The average cost for a Figo plan is approximately $40 per month.

Pumpkin

It is a good fit for someone who has or plans to have multiple pets. This is because the company offers a 10% discount for each additional pet insured. Like Figo, Pumpkin’s policies have no upper age limits for enrollment. On average, Pumpkin plans cost around $55 per month. Certain conditions, such as dental illnesses and hereditary issues, are covered without extra charges.

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