BetterRate

Top Pet Insurance Plans for 2026

Updated on May 5, 2026

Bottom Line:

  • Affordable Coverage for Peace of Mind

    Get help paying for accidents and illness without breaking your budget.

  • Save $$$ on Vet Bills

    Reimbursements can add up fast when emergencies or surgeries happen.

  • Multi-Pet Discounts Can Lower Your Cost

    Insure more than one pet with the same provider and save.

  • Find the Perfect Plan for Your Pet

    Compare options in minutes to match your pet, needs, and budget.

Embrace

4.7/5.0
Apply Now

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

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

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

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

Why Pet Insurance?

Unexpected vet bills are becoming more expensive every year, and even a single emergency visit can cost thousands of dollars. Pet insurance helps protect you from those surprise costs, so you don’t have to delay care or make decisions based on your budget instead of what’s best for your pet.

With affordable monthly plans, pet insurance makes it easier to manage costs over time and stay prepared for accidents, illnesses, and emergencies.

Pets Best

4.8/5.0
Apply Now

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
Apply Now

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