Pet insurance providers compared
Prices below are typical ranges for a healthy 2-year-old mixed-breed dog in the US, based on 2026 market data. Your quote will vary by breed, age, location, and coverage choices. Always get a direct quote before deciding.
| Provider | Monthly (dog) | Deductible | Reimbursement | Waiting period | Standout |
|---|---|---|---|---|---|
| Lemonade | $30–$50 | $100–$750 | 70–90% | 14 days | Cheapest for young pets; fast AI claims |
| Trupanion | $50–$75 | $0–$1,000 | 90% | 5 days (injury) / 30 days (illness) | No payout limits; direct vet payment |
| Embrace | $40–$60 | $200–$1,000 | 70–90% | 14 days | Diminishing deductible ($50/yr reduction) |
| Spot | $40–$65 | $100–$1,000 | 70–90% | 14 days | Covers microchipping + preventive options |
| Figo | $35–$55 | $100–$750 | 70–100% | 14 days | 100% reimbursement option; vet chat app |
| Healthy Paws | $40–$60 | $100–$1,000 | 70–90% | 15 days | No annual or lifetime caps |
| ASPCA Pet Health | $40–$60 | $100–$500 | 70–90% | 14 days | Trusted nonprofit brand |
Data compiled from provider websites and NAPHIA market reports, October 2026. Prices change frequently — treat these as starting points.
How to choose
1. Match the deductible to your emergency fund
Use our pet emergency fund calculator to find your target savings. Pick a deductible at or below that number — otherwise you cannot afford to file a claim.
2. Do the break-even math
Our pet insurance calculator compares your premium + deductible against expected vet bills. If you are roughly break-even, insurance is catastrophe protection — worth it for peace of mind.
3. Enroll young
Premiums rise with age, and anything diagnosed before enrollment becomes a pre-existing condition (usually excluded). Enrolling at 1–2 years old locks in the lowest rates.
4. Read the exclusions
Bilateral conditions, dental disease, and breed-specific hereditary issues are commonly limited. The cheapest plan with big exclusions can cost more than a pricier comprehensive one.
Sources & review
- NAPHIA: industry premium and claims data.
- CareCredit: emergency vet cost benchmarks.
This page is educational and not insurance advice. We may earn commissions from links on this page at no extra cost to you.