Best Pet Insurance Companies in 2026: 9 Companies Compared

Lemonade is our pick for owners who want a quick, digital experience and a competitive price for a young, healthy pet. Quotes take minutes in the app, claims can be filed from your phone, and you can adjust deductible, reimbursement rate and annual limit to fit a budget. Preventive care packages add routine cover for exams, vaccines and tests.

The annual limit is the main limit to note. Unlike Healthy Paws or Trupanion, Lemonade caps annual payouts, which matters for a pet with a very expensive year. Lemonade is best for routine accident and illness cover at a good price, rather than for unlimited cover for chronic, high cost conditions.

Spot suits owners who want to tailor a policy precisely. You can choose a low deductible with high reimbursement for peace of mind, or a higher deductible to keep the monthly premium down, and annual limits range from modest to unlimited on some plans. That flexibility helps households with different budgets for dogs and cats.

Flexibility also means comparison takes work. Two Spot quotes with different deductibles are not comparable, so fix your deductible, reimbursement and limit first, then compare Spot against Lemonade and Embrace on the same settings. Spot is best when you know what trade off you want between monthly cost and claim payout.

Healthy Paws is the simplest pick in this list, and that simplicity is a strength. One accident and illness plan, no annual cap, and a choice of deductible and reimbursement rate. For a pet that develops a chronic condition, the absence of a cap can be worth more than a lower monthly premium from a capped competitor.

Healthy Paws does not cover routine wellness, and exam fees are excluded from the core plan, so owners who want vaccine and check up cover need a separate budget. The 15 day waiting period is also longer than Lemonade or Spot for accidents. Healthy Paws is best for owners who prioritise catastrophic cover over routine benefits.

Trupanion is different because of its deductible structure. Instead of an annual deductible, you pay a deductible once per condition for the life of the pet, which helps if a condition needs treatment year after year. Direct vet payment, where the vet accepts it, also means you may not need to pay a large bill upfront and wait for reimbursement.

The price reflects those features. Trupanion premiums are often higher, and reimbursement is fixed at 90 percent, so you cannot choose a lower reimbursement rate to cut the premium. Trupanion is best for owners worried about chronic or very expensive conditions, and less convincing as a budget pick for a young, healthy pet.

Embrace offers one of the broadest base policies in this list, covering hereditary conditions, dental illness, behavioural therapy and alternative therapies within its terms, plus exam fees that some rivals exclude. The diminishing deductible, which falls by a set amount each claim free year, rewards owners who maintain cover without claiming.

Embrace plans usually have an annual limit, unlike Healthy Paws, so check the limit against the cost of a serious illness for your breed. Premiums also rise as pets age, which is normal across the market but worth budgeting for. Embrace is best for owners who want broad cover without buying many add ons.

Pets Best is a good budget shortlist pick, especially for younger pets where premiums are lower. The core accident and illness plans are straightforward, and a routine care add on can cover vaccines and check ups if you want them. Direct vet payment is available in some situations, which helps with large bills.

Budget pricing comes with limits. Core plans do not always include exam fees, and older pets face higher premiums, as with most insurers. Pets Best is best quoted for a young dog or cat alongside Lemonade and Spot, so you can see whether its lower price holds for your pet and postcode.

Fetch, formerly Fetch by The Dodo, stands out because exam fees are included in its core accident and illness cover, a cost that other insurers often exclude or sell as an add on. Behavioural therapy and virtual vet visits for sick pets are also included in reported terms, which helps owners who use telehealth for minor concerns.

Fetch is not usually the cheapest quote, and its value depends on how often you visit the vet. If your pet needs frequent exams, included exam fees can offset a higher premium. If your pet rarely visits the vet, a cheaper core plan from Lemonade or Pets Best may be better value.

Figo suits owners who want the highest possible reimbursement after a claim. A 100 percent reimbursement option is rare, and it can make a large vet bill much less painful, subject to deductible and limit terms. The Pet Cloud app also stores records, reminders and vet chat in one place, which helps multi pet households stay organised.

The 100 percent option is expensive, and many owners will find 80 or 90 percent reimbursement a better balance. Figo is best when you price several reimbursement levels and choose the one you can sustain monthly, rather than defaulting to the highest option.

Pumpkin is a strong pick for owners concerned about dental disease, which is common in dogs and cats and expensive to treat. Its core plans include dental illness cover with fewer exclusions than some rivals in reported terms, and a preventive pack adds routine vaccines, exams and tests. That combination suits owners who want both illness cover and routine care in one place.

Pumpkin is not a budget pick. Core premiums are higher than Lemonade or Pets Best for many pets, and the preventive pack adds cost on top. It is best for owners who will actually use preventive care and who value dental cover, rather than for owners who only want accident cover.