BetterRate

Top Pet Insurance Plans for 2026

Updated on March 30, 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.

Healthy Paws
Healthy Paws
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
Spot
Spot
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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
MetLife
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on MetLife's secure site

  • Comprehensive accident & illness
  • Up to 90% reimbursement on covered vet bills
  • Optional preventive care coverage for routine exams and vaccines
  • Visit any licensed U.S. veterinarian
  • No upper age limit for enrollment

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.

ASPCA
ASPCA
Apply Now

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
Fetch
Fetch
Apply Now

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