2026’s Best Pet Insurance Plans

Find the perfect health coverage for your furry friend. Updated reviews and ratings for dog and cat insurance.

Frequently Asked Questions

Answers to common questions about pet insurance.

Pet insurance helps you manage unexpected veterinary costs, providing coverage for accidents, illnesses, and in some cases, wellness care—so you can focus on your pet’s health, not your wallet.

There are three main types: accident-only, accident & illness (comprehensive), and wellness/preventive care plans, which cover routine care like checkups and vaccinations.

Pre-existing conditions, and often congenital or hereditary conditions (unless specified), exam fees, and routine care unless a wellness plan is included.

Coverage generally begins after a short waiting period—often around 14 days—after enrollment and payment. Conditions arising during this period may not be covered.

Premiums are based on factors such as your pet’s age, breed, location, and coverage level. Deductibles may be annual or per incident.

You pay the vet upfront, submit a claim, and receive reimbursement based on a percentage (e.g., 70–90%) after the deductible, within your plan’s maximum limits.

Some policies cover hereditary or congenital conditions if they aren't pre-existing. Coverage varies, so it’s important to verify with your insurer.

Yes—most plans allow visits to any licensed vet in the U.S. or Canada. Some, like Trupanion, may even pay the vet directly.

Many owners break even, but insurance provides financial peace of mind and helps manage rising veterinary costs—especially when enrolled early.

Our Ranking Methodology

We evaluated the top pet insurance policies using multiple weighted criteria to ensure an accurate and fair comparison.

Average Plan Cost

The 'average plan cost' reflects a weighted national average monthly premium based on quotes for a 2-year-old Labrador Retriever and a 2-year-old American Shorthair, each with a $500 deductible.

Zip Codes Used for Pricing

AL (35206)

AK (99516)

AZ (85050)

AR (72205)

CA (90210)

CO (80238)

CT (06105)

DE (19904)

FL (33155)

GA (30331)

HI (96821)

ID (83712)

IL (60630)

IN (46229)

IA (50317)

KS (66109)

KY (40511)

LA (70112)

ME (04108)

MD (21209)

MA (02136)

MI (48201)

MN (55414)

MS (39211)

MO (63104)

MT (59101)

NE (68154)

NV (89117)

NH (03062)

NJ (07305)

NM (87120)

NY (10022)

NC (27603)

ND (58104)

OH (44102)

OK (73129)

OR (97229)

PA (19128)

RI (02909)

SC (29414)

SD (57108)

TN (38111)

TX (77054)

UT (84104)

VT (05408)

VA (23221)

WA (98108)

WV (25311)

WI (53225)

WY (82009)

Ranking Factors

Coverage and benefits, including accidents, illnesses, surgeries, annual exams, cancer treatment, and lab tests
AM Best rating of the policy underwriter
Reimbursement percentage
Annual benefit limit
Technology and user experience (sign-up ease, claim process, and policy clarity)
Customer reviews and claim satisfaction

About Us

Pet Insurance Spot was founded by a team of passionate pet lovers dedicated to helping owners find the best possible care for their furry family members. We provide unbiased reviews and data-driven comparisons to simplify your decision-making process.

Contact Us

Have questions or feedback? We’d love to hear from you. Reach out to our team at [email protected].

Disclaimer: Pet Insurance Spot is an independent online resource offering information, guides, and comparison tools for pet owners. We may earn a commission when you purchase through links on our site, but our goal is to provide fair and unbiased comparisons based on factors that matter most to pet parents. The inclusion of a company or product does not imply endorsement. We do not feature every provider or offer available. Prices, coverage details, and other information may change without notice - please check the provider’s official website for the most current details. All logos, trademarks, and brand names displayed on this site are the property of their respective owners and are used for identification purposes only.