Pet insurance reviews
We read every policy wording in full for each insurer below before scoring it. Each review covers waiting periods, deductible and reimbursement options, what's excluded, and who the plan is genuinely not a good fit for — not just the marketing page. Scores are WhichPetPlan's own editorial rating; see our methodology.
H
Healthy Paws
Score 9.3 · No annual limit
Most dogs.
L
Lemonade
Score 9 · $100k
Puppies and tight budgets.
E
Embrace
Score 8.8 · $30k
Owners who rarely claim.
T
Trupanion
Score 8.6 · No annual limit
Anyone who can't float a big bill.
S
Spot
Score 8.3 · $2.5k–unlimited
Custom budgets.
P
Pets Best
Score 8.1 · $5k–unlimited
Fast start.
F
Figo
Score 7.9 · $5k–unlimited
Maximum payback.
F
Fetch
Score 7.6 · $15k
Older dogs.