Top Pet Insurance Companies in the USA in 2026, including typical insurance quotes (average costs) and key features to help you compare before choosing a plan. 🐶🐱
🐾 Top Pet Insurance Companies in the USA (2026)
1. Pets Best — Best Overall Value
Why it’s top-rated: Pets Best consistently ranks as one of the best pet insurers for broad accident and illness coverage, direct vet payment options, and competitive pricing.
Typical Premium Quotes (Dog/Cat):
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Dogs: ~$41‒$52 per month (for $5,000 annual coverage)
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Cats: ~$24 per month
Why choose Pets Best:
✔ Strong overall coverage with multiple plan tiers
✔ Options with unlimited annual benefits
✔ Competitive pricing for common conditions
2. Lemonade Pet Insurance — Most Affordable for Many Owners
Known for low base premiums and fast online quote/claim tools.
Typical Premium Quotes:
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Dogs: ~$27‒$35 per month
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Cats: ~$15‒$25 per month
Highlights:
✔ Lower-priced options with customizable reimbursement
✔ Fast digital tools and transparent pricing
3. Figo Pet Insurance — Best for Plan Options and Tech Features
Figo offers modern tools like mobile claims, pet health tracking, and plan upgrades (“Powerups”).
Typical Premium Quotes:
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Dogs: ~$48‒$75 per month
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Cats: ~$30 per month
Why Figo stands out:
✔ Tech-friendly app and telehealth support
✔ Optional enhancements like boarding or loss coverage
4. Embrace Pet Insurance — Best for Customization and Wellness Rewards
Embrace offers unique features like diminishing deductibles and wellness add-ons.
Typical Premium Quotes:
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Dogs: ~$52‒$75 per month
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Cats: ~$25–$40 per month (varies by plan)
Highlights:
✔ Reward plans for preventive care
✔ Strong accident & illness coverage
5. ASPCA Pet Health Insurance — Trusted and Flexible
ASPCA’s plans include coverage for alternatives like behavioral therapy, and direct vet payments on some plans.
Typical Premium Quotes:
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Dogs: ~$40‒$70 per month
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Cats: ~$25‒$40 per month
Why it’s reliable:
✔ Well-established provider with flexible options
✔ Often strong customer satisfaction
6. Healthy Paws — Great for Unlimited Coverage
Healthy Paws is known for unlimited lifetime coverage with good claim support.
Typical Premium Quotes:
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Dogs: ~$45‒$75 per month
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Cats: ~$25‒$40 per month
Key Features:
✔ Unlimited annual and lifetime benefits
✔ Simple claims process
7. Pumpkin Pet Insurance — Best for Comprehensive Coverage
Pumpkin’s plans include extras like dental and alternative therapy.
Typical Premium Quotes:
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Dogs: ~$69 monthly average (cats ~$30)
Highlights:
✔ Covers many conditions others exclude
✔ Well-liked for comprehensive care
8. Trupanion — Best for High Reimbursement
Trupanion offers very high (often 90%) reimbursement but typically at a higher price point.
Typical Premium Quotes:
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Dogs: ~$50–$80+ per month (varies widely by pet age and breed)
Why pick Trupanion:
✔ 90% reimbursement on many plans
✔ Great for owners who prefer high payout ratios
9. Nationwide Pet Insurance — Strong Brand With Legacy Support
Nationwide provides a range of plans for both cats and dogs, including wellness add-ons.
Typical Premium Quotes:
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Dogs: ~$45‒$85 per month
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Cats: ~$28‒$50 per month
Highlights:
✔ Large insurer with long track record
✔ Offers add-ons and unique plan features
10. Fetch Pet Insurance — Best for Wellness
Fetch covers cats and dogs and emphasizes wellness benefits and preventive care tiers.
Typical Premium Quotes:
(Quote data varies widely based on plan.)
Why choose Fetch:
✔ Wellness options and preventive add-ons
✔ Strong coverage for a variety of conditions
Related Article: Top 10 Most Reliable Life Insurance Companies in the U.S. (2026)
Average Pet Insurance Quotes in the U.S. (2026)
Here’s a broad idea of what you might expect:
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Dogs: ~$40 to $85 per month for accident & illness coverage (varies by company, breed, age).
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Cats: ~$20 to $45 per month on typical plans.
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National averages: ~$43/month for dogs and ~$23/month for cats for standard coverage levels.
Notes: Premiums depend heavily on:
✔ pet age
✔ breed
✔ coverage limits
✔ deductible level
✔ reimbursement percentage
Tips for Comparing Pet Insurance Quotes
✔ Shop at least 3 companies to see real quotes for your pet’s breed and age.
✔ Adjust deductibles and reimbursement levels — higher deductibles lower premiums.
✔ Consider add-ons like wellness, dental, or telehealth features.
✔ Start early — younger pets often have lower rates.
Quick Summary — Best Pet Insurance in the US
| Company | Why It’s Good | Typical Monthly Cost |
|---|---|---|
| Pets Best | Excellent balance of coverage & cost | ~$41–$52 (dog), ~$24 (cat) |
| Lemonade | Very affordable | ~$27–$35 (dog), ~$15–$25 (cat) |
| Figo | Tech & flexible upgrades | ~$48–$75 (dog), ~$30 (cat) |
| Embrace | Wellness & deductible perks | ~$52–$75 (dog) |
| ASPCA | Flexible plans & direct pay | ~$40–$70 (dog) |
| Healthy Paws | Unlimited coverage | ~$45–$75 (dog) |
| Pumpkin | Comprehensive plans | ~$69 (dog), ~$30 (cat) |
| Trupanion | High reimbursement | ~$50–$80+ (dog) |
| Nationwide | Legacy brand options | ~$45–$85 (dog) |
| Fetch | Wellness focus | Varies |
🐾 Frequently Asked Questions (FAQs)
1. Why do pet insurance premiums vary so much?
Premiums depend on your pet’s breed, age, location, deductible, reimbursement percentage, and annual coverage limits.
2. Are older pets more expensive to insure?
Yes — older pets typically cost more because they have higher health risks.
3. Does pet insurance cover pre-existing conditions?
Most policies exclude pre-existing conditions but may cover curable ones after a waiting period.
4. Should I choose unlimited coverage?
Unlimited annual coverage costs more but provides the best protection for severe or chronic conditions.
5. Is pet insurance worth it?
With rising veterinary costs, insurance helps many owners manage unexpected bills — especially for accidents and chronic illness care.