Compare Dog & Cat Pet Insurance 2026: What You Get Back

Reimbursement calculator

See exactly what a plan would pay on a vet bill, before you buy.

Vet bill

Annual deductible

Reimbursement

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Insurance pays back

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You pay

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Covered

$/mo typical ▲	Provider	Reimbursement	Annual limit	Exam fees	Dental illness	Accident wait	Best for
$42Cheapest	Lemonade	70/80/90%	$5k to $100k	No	No	2 days	Cheapest premiums; dental illness and vet fees are paid add-ons	Get quote →
$45	Pets Best	70/80/90%	$5k to Unlimited	Yes	Yes	3 days	Budget-friendly, unlimited option, fast accident cover	Get quote →
$52	ManyPets	70/80/90%	$5k to Unlimited	Yes	Yes	15 days	No upper age limit, covers dental	Get quote →
$55	Embrace	70/80/90%	$5k to $30k	No	Yes	2 days	Diminishing deductible; exam fees are a paid add-on	Get quote →
$58	Nationwide	50/70/90%	Up to Unlimited	Yes	Yes	14 days	Also covers birds and exotic pets	Get quote →
$59	Progressive Pet Insurance	70/80/90%	$1.5k to Unlimited	Yes	Yes	14 days	Car insurance company adding pet coverage	Get quote →
$60	Prudent Pet	70/80/90%	$10k to Unlimited	Yes	Yes	5 days	Unlimited option plus 24/7 vet chat	Get quote →
$61	Odie Pet Insurance	80/90%	$10k to Unlimited	No	No	14 days	Digital-first insurer, easy claims	Get quote →
$62	ASPCA	70/80/90%	$5k to $15k	Yes	Yes	14 days	Exam fees, behavioural and optional wellness	Get quote →
$64	AKC Pet Insurance	70/80/90%	$5k to Unlimited	No	No	14 days	AKC affiliated, focuses on purebreds	Get quote →
$65	Healthy Paws	70/80/90%	$5k to Unlimited	No	Yes	15 days	Unlimited payouts, one simple plan	Get quote →
$68	Fetch by The Dodo	70/80/90%	$5k to $15k	Yes	Yes	15 days	Broadest coverage, exam fees + behavioural	Get quote →
$70	Spot	70/80/90%	$2.5k to Unlimited	Yes	Yes	14 days	Unlimited option and covers exam fees	Get quote →
$72	Figo	70/80/90/100%	Unlimited	No	Yes	1 day	Up to 100% reimbursement, fast accident cover	Get quote →
$75	MetLife	70/80/90/100%	$2k to Unlimited	Yes	Yes	14 days	Flexible deductible, family plans	Get quote →
$78	Pumpkin	90%	$10k to Unlimited	Yes	Yes	14 days	Flat 90% back, exam fees and dental included	Get quote →
$82	Wagmo	90/100%	Varies	Yes	Yes	0 days	Fast reimbursement and wellness plans	Get quote →
$85	Trupanion	90%	Unlimited	No	Yes	5 days	No payout caps ever, pays your vet directly	Get quote →

Typical monthly cost shown for a medium dog, age 3, urban area. Actual quotes vary by pet age, breed, location and chosen plan. Feature comparison last reviewed 29 August 2026 . Always get a personalized quote before buying.

How to read this. The three differences that decide a pet plan's value are the reimbursement percentage (how much of the bill you get back), whether it covers the exam fee (many don't), and the annual limit (an unlimited limit protects you on a big claim). Use the calculator to see the reimbursement in dollars, then filter the table for the features you need. A shorter waiting period means you're covered sooner.

How does reimbursement actually work?

You pay the vet, then claim. The insurer subtracts your annual deductible once per year, then pays back your reimbursement percentage of the remaining eligible cost, up to your annual limit. The calculator above does this maths for you.

Which pet insurers cover the exam fee?

Embrace, Fetch, Pumpkin, Spot, Pets Best and Nationwide reimburse the vet exam or consultation fee. Trupanion and Healthy Paws do not. Since you pay an exam fee at almost every visit, this adds up.

Do any cover pre-existing conditions?

No standard plan covers conditions your pet already has. A few (like MetLife) may cover a curable past condition after a symptom-free period. Insure while your pet is young and healthy for the best coverage.

How to actually choose a pet insurance plan

The cheapest monthly premium is rarely the best plan, because pet insurance is really three settings that decide what you get back: the reimbursement percentage, the annual limit and the deductible. A plan at 90% reimbursement with an unlimited annual limit pays far more on a serious claim than a cheaper 70% plan capped at $5,000, and on a five-figure surgery that gap is the whole reason you bought insurance. Use the calculator above to turn those settings into real dollars on a bill the size you actually fear.

The exam-fee trap. The single most overlooked difference is whether a plan reimburses the vet exam or consultation fee. You pay that fee at almost every visit, sick or well, and some big names (Trupanion and Healthy Paws among them) do not cover it, while Embrace, Fetch, Pumpkin, Spot and others do. Over a pet's life that adds up to real money, so the "Exam fees" column above is worth as much attention as the headline price.

Buy young, and read the waiting periods. Premiums rise as a pet ages and pre-existing conditions are never covered, so the cheapest lifetime cost almost always comes from insuring a young, healthy animal before anything is on record. Check the accident and illness waiting periods too: most illness cover starts after around 14 days, but accident cover ranges from same-day to two weeks, and you are not covered for anything that happens in that gap. A short waiting period is genuinely worth paying a little more for.

Get a real quote before you commit. The monthly figures here are indicative for a medium dog, age three, in a city; your actual price swings a lot with breed, age and postcode, and some breeds cost far more to insure. Shortlist two or three plans on the features you need from the table, then get a personalized quote from each on the same pet and the same reimbursement and deductible settings so you are comparing like with like.