Compare across America's leading pet insurance providers to find the right policy for your dog or cat:
We evaluate providers using coverage options, pricing, financial strength, customer experience and policy features. Rankings are editorial and are not influenced by commercial relationships. We may earn a commission when you click through to a provider. This never changes a provider's score or position.
Pick any two providers below to see pricing, coverage, benefits and reviews side by side. Updated for June 2026.
Most-compared pet insurance providers match-ups this month
Side-by-side overview of every provider we reviewed.
| Provider | Rating | Best For | Starting Premium | Reimbursement | Annual Limit | Waiting Period |
|---|---|---|---|---|---|---|
#1Trupanion | 9.4/10 | Comprehensive Coverage | From $30/mo | 90% | Unlimited | 5 days illness / 0 days accident |
Healthy Paws | 9.1/10 | Value | From $25/mo | 70–90% | Unlimited | 15 days illness / 2 days accident |
Embrace | 8.8/10 | Customisation | From $22/mo | 70–90% | Up to $30,000 | 14 days illness / 2 days accident |
Figo | 8.5/10 | Cats | From $20/mo | 70–100% | Up to unlimited | 14 days illness / 1 day accident |
ASPCA Pet Health Insurance | 8.1/10 | Older Pets | From $28/mo | 70–90% | Up to $10,000 | 14 days illness / 3 days accident |
Lemonade | 7.8/10 | Puppies & Kittens | From $16/mo | 70–90% | Up to $100,000 | 14 days illness / 2 days accident |
Nationwide | 7.4/10 | Multi-Pet Families | From $35/mo | 50–90% | Up to $10,000 | 14 days illness / 3 days accident |
MetLife Pet Insurance | 7.1/10 | Budget | From $19/mo | 70–90% | Up to $10,000 | 14 days illness / 2 days accident |
The USA pet insurance market has grown rapidly, with over 6 million pets now insured. Choosing the right provider requires balancing premium cost, reimbursement levels, annual limits, and coverage for hereditary conditions. Unlike human health insurance, most USA pet insurance policies are reimbursement-based — you pay the vet and claim back eligible costs. We have independently reviewed and ranked the leading USA pet insurance providers based on value for money, coverage comprehensiveness, and claims experience.
The best pet insurance provider in the USA for 2026 is Trupanion, offering direct vet payment, 90% reimbursement, and unlimited coverage with no sub-limits — ideal for pet owners who want comprehensive protection without reimbursement delays. For unlimited annual benefits and fast reimbursement, Healthy Paws is the top alternative. Embrace is the best choice for owners who want to customise their deductible and benefit from the diminishing deductible reward. Cat owners should consider Figo for its 100% reimbursement option and competitive feline premiums.
Get answers to common questions about choosing the right provider
Our expert methodology ensures you get unbiased, comprehensive comparisons
We compare premiums, rates, fees, and overall cost to help you find the most affordable option without compromising on cover.
We evaluate policy features, payout terms, flexibility, and any added extras so you know exactly what you're getting.
We assess claims handling, support quality, user reviews, and how easy it is to manage your policy day-to-day.
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