BetterRate

Top Pet Insurance Offers of

Compare top pet insurance plans and find affordable coverage that keeps your furry friend protected—without overpaying.

Compare Our Tops Partner Offers

Spot
5.0/5.0
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on Spot's secure site

  • Up to 90% reimbursement on eligible vet bills
  • Affordable monthly plans for dogs and cats
  • Flexible deductibles and annual coverage limits
  • Any breed, any licensed vet
  • Optional wellness coverage for routine care
Pets Best
4.8/5.0
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on Pets Best's secure site

  • Up to 90% reimbursement and no lifetime coverage limits
  • Founded by a veterinarian with decades of industry experience
  • Covers accidents, illnesses, and hereditary conditions
  • Fast, easy claims with direct deposit available
  • Optional wellness plans to help manage routine care costs
Embrace
4.7/5.0
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on Embrace's secure site

  • See any licensed vet, no network
  • Free 24/7 telehealth
  • Fast claims- 90% paid in 5 days via direct deposit
  • Discount for multiple pets
MetLife
5.0/5.0
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on MetLife's secure site

  • Reimbursement for up to 90% of vet costs
  • 2025 Pet Insurance of the Year award winner
  • Coverage for pets of any age and breed, and no lifetime or per incident limits
  • Take your pet to any licensed vet, emergency clinic or specialist in the US
  • One of the shortest waiting periods for accident and illness coverage
  • Fast, hassle-free claims process - most claims processed in 5 days or less!
  • Protect all your furry family members with family plans – a single deductible for the whole family
  • Get a quote in 2 minutes or less
Healthy Paws
4.8/5.0
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on Healthy Paws's secure site

  • No payout limits per claim, year, or policy lifetime
  • Fast payments with most claims processed in 2 days
  • Free 24/7 virtual vet care
  • See any licensed vet in the U.S
Fetch
4.5/5.0
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on Fetch's secure site

  • Get paid back up to 90% of unexpected vet bills
  • All vets are in network
  • Fast and easy claims paid back in 2 days via direct deposit
  • Save over $1,500 on pet health products
Pumpkin
5.0/5.0
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on Pumpkin 's secure site

  • Extensive accident & illness coverage that doesn’t decline with age
  • 90% cash back on eligible vet bills
  • No sneaky insurance add-on fees, breed, or upper age restrictions
  • Discount for multiple pets
  • PumpkinNow get money before you pay for treatment
Nibbles
4.7/5.0
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on Nibbles's secure site

  • Cardholders receive free pet insurance for one eligible cat or dog
  • Unlimited 3x rewards on pet stores, services, and vets, plus exclusive discounts and offers from partner companies. 1x rewards everywhere else that Mastercard is accepted.
  • See if you pre-qualify with no impact to your credit
  • Skip paperwork with automated claims
  • Centralized health management
Lemonade
5.0/5.0
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on Lemonade's secure site

  • Savings on tests, vaccines & routine care
  • Coverage for preventative care, diagnostics, tests, and procedures
  • Multiple pet discounts
  • Quick digital claims via app with fast reimbursements
ASPCA
4.6/5.0
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on ASPCA's secure site

  • Backed by the ASPCA name and long-standing animal welfare miss
  • Customizable plans with multiple deductible and annual limit options
  • Covers accidents, illnesses, and common health conditions
  • Use any licensed vet — no network restrictions
  • Optional preventive care add-ons for routine wellness expenses

Understanding Your Pet Insurance Options

Pet insurance helps protect you from costly, unexpected vet bills—so you can focus on your pet’s health, not the price of care. Plans range from basic accident-only coverage to more comprehensive options that include illnesses and even routine care. Most policies reimburse you after treatment, with flexible deductibles and coverage levels to fit your budget. Pet insurance helps you focus on your pet’s health—not the bill—so you can make decisions with confidence when it matters most.