Best Pet Insurance Companies of February 2026

Embrace is our top overall pick because it offers one of the most customizable and generous wellness plans available. Its coverage includes not only routine care but also grooming and obedience training, services that other providers don’t typically cover. There are no itemized limits within the wellness plan, giving pet owners more flexibility in how benefits are used. In addition, we appreciate how the company covers behavioral treatments and therapies if administered by a licensed vet.

Embrace offers a 5% military discount and a 10% discount for employees of companies that offer Embrace pet insurance. The company also has a Healthy Pet Deductible program, which credits pet owners $50 toward their deductible each consecutive year they go without filing a claim.

• Available plans: Accident-and-illness, accident-only and wellness care
• Age restrictions: 6 weeks old for enrollment — pets 15 years and older can only enroll in accident-only plans
• Exclusions: Incurable pre-existing conditions, breeding, pregnancy, deliberate injury, neglect, cosmetic procedures and cloning

Our research team found the average cost of a pet insurance policy with Embrace is $36 per month, or $47 for dogs and $26 for cats. This is 10% less expensive than the national average of $40. We also requested quotes for dogs and cats of varying ages to learn more about species-specific pricing.

*All cost data in this article assumes an accident and illness policy with a $250 deductible, a $5,000 annual coverage limit and an 80% reimbursement rate. Data Updated as of August 2025.

Our former team member purchased an accident and illness policy through Embrace for Luna, her 4-year-old, large mixed-breed dog. This plan has a $500 deductible, 80% reimbursement rate and $5,000 annual limit, totaling $60 per month. When asked about her shopping experience with Embrace, she noted that the website was extremely user friendly.

“If I had questions about what certain things were covered in the basic plan, there was information at the ready.”

However, she noted one drawback — once you get to the final page for checkout, you can not go back. She also noted that information on canceling a policy isn’t readily mentioned, and she’d like more clarity on if it’s easy to cancel online or if she needs to speak to a customer service representative. Overall, she felt the initial signup process was relatively easy, but has yet to file a claim with the company.

In our 2025 pet insurance survey of 1,000 pet owners with coverage, 33 participants reported purchasing a policy with Embrace. Out of these respondents, 75% were satisfied with the provider as a whole, and 89% felt pet insurance was worth it.

Pets Best took our superlative for Best Coverage Variety and earned an impressive overall rating of 4.7 out of 5. We also rank it as our best pet insurance for dogs. It offers some of the most competitive accident-and-illness premiums on the market, starting under $10 per month. It also offers highly customizable plans with annual limits up to unlimited. With coverage options for accidents, illness and wellness care alongside a variety of deductibles, annual limits and reimbursement rates, you can easily customize a policy to suit your budget and your pet’s needs. The company also offers vet-direct pay for approved claims.

Pets Best offers policyholders access to a 24/7 pet helpline that provides support from veterinary experts if you have any questions or concerns about your pet. If you have multiple pets or a senior dog or cat, the company extends a multi-pet discount and has no upper age restrictions for enrollment.

• Available plans: Accident-and-illness, accident-only and wellness care
• Age restrictions: 7 weeks old for enrollment — no upper age limits
• Exclusions: Incurable pre-existing conditions, elective and preventive procedures, parasites, non-veterinary expenses and experimental therapies and treatments

According to quotes gathered by our research team, the average pet insurance policy from Pets Best costs $32 per month. This is around 20% less than the overall national average of $40. Our team also requested monthly rates for dogs and cats of various ages.

Our team member, editor Tori Addison, purchased an accident and illness policy with Pets Best for her 10-year-old Russian blue cat, Obie. The plan has a $250 deductible, 80% reimbursement rate and $5,000 annual limit. She also purchased the Pets Best Essential Wellness coverage, with monthly costs totaling $71.

Obie was taken to the vet for an annual wellness exam with vaccinations and routine bloodwork in June 2024.

“I typically do not request blood work during my cat’s annual appointments, but since I had pet insurance, I felt peace of mind knowing the service was covered. The insurance could also cover any resulting health issues flagged by the vet in the results,” Addison said.

Addison filed Obie’s claim within a few hours of leaving the vet’s office, uploading his medical records and paid invoice through the mobile app. She was easily able to enroll in direct deposit for a quick claim payout, and the claim was approved in less than a week. Addison rated her overall claims experience 5 out of 5 stars.

Our latest 2025 pet insurance survey of 1,000 respondents found that almost 83% of the 65 participants with a policy from Pets Best reported being satisfied with the insurer as a whole. In addition, over 88% said they believe pet insurance is a worthy investment.

Figo is the most affordable pet insurance provider on our list, with a monthly cost that’s 25% less than the national average. It’s also the only company we’ve reviewed that offers a 100% reimbursement rate — this can be ideal for pet owners looking to avoid paying anything beyond a deductible for approved claims.

Figo’s one-day waiting period for accidents is one of the shortest available in our list, and covers accidents from your policy’s effective start date. When it comes time to file a claim, policyholders can use the provider’s Pet Cloud app to upload documents and easily track the progress. The app also provides 24/7 live veterinary access when needed.

• Available plans: Accident and illness, wellness care
• Age restrictions: 8 weeks old for enrollment, no upper age limit
• Exclusions: Incurable pre-existing conditions, experimental procedures, breeding, pregnancy, birth, cloning procedures and cosmetic surgery

Figo offers the cheapest pet insurance pricing out of the providers featured in this review, costing an average of $30 per month according to our 2025 analysis of 998 quotes from the provider. This is 25% less than the overall national average of $40. We also looked at species-specific costs for dogs and cats at various life stages.

Our former team member purchased an accident and illness policy with Figo for his dog Mick, a mini Irish doodle. He chose a plan with a $250 deductible, 80% reimbursement rate and $10,000 annual limit, plus the company’s lowest tier of wellness benefits. The policy costs $37 per month — one of the cheapest rates for the coverage out of all providers in this review.

He noted that it took just under five minutes to sign Mick up for coverage and that the site was easy to navigate and use. He appreciated how he didn’t need to bring Mick to the vet for an exam before enrolling. He felt that the app’s interface was good, but said he had 20 new policy documents awaiting him in the app once he signed up.

Of the 1,000 respondents in our 2025 pet insurance survey, 34 pet owners reported holding a policy with Figo. Almost 73% of these participants were satisfied with the company, and 85% felt pet insurance was worth it based on their experience.

ASPCA Pet Health Insurance is our pick for lifelong coverage thanks to its service for older dogs, which includes accident and illness coverage with no upper age restrictions. We also like how the company covers prescription food, microchipping, vet exam fees and more under its standard accident and illness policy, which some providers exclude or charge extra for. If you’re looking for basic coverage on a budget, the provider offers an accident-only plan for peace of mind at a lower cost.

In addition to accident and illness plans, ASPCA Pet Health Insurance offers preventive care plans that cover vaccinations, dental cleanings, heartworm tests and other services to help keep your pet healthy. The provider is also the only insurer on our list that offers coverage for horses.

• Available plans: Accident-and-illness, accident-only and wellness care
• Age restrictions: Pet must be at least 8 weeks old for enrollment — but there’s no upper age limit
• Exclusions: Incurable pre-existing conditions, cosmetic procedures and breeding costs

According to the 1,017 ASPCA quotes collected by our team based on 10 sample pet profiles, the average cost of a policy with ASPCA Pet Health Insurance is $35 per month, which is around 12% less than the national average. This translates to a monthly average of $23 for cats or $46 for dogs. We also gathered insurance costs for dogs and cats at various stages of life.

Our former team member purchased an accident-only plan for Mittens, her 17-year-old domestic longhair cat. The plan has a $250 deductible, 80% reimbursement rate and $5,000 annual limit, costing $25 per month. She also decided to purchase wellness coverage, as she plans to take her cat to the vet for an annual exam in the near future.

She rated her overall buying experience 5 out of 5 stars.

“I appreciated the little tips throughout the signup process that explain common pet insurance terms like annual limit, deductible and reimbursement rate. While the quote and customer portals aren’t flashy or fancy, they are well-organized. Nothing was confusing, and it was quick and painless to enroll Mittens in coverage. I love that I was able to even get coverage at her ripe old age of 17 — many other providers denied her coverage due to her age.”

ASPCA Pet Health Insurance was the most popular pet insurer in our 2025 survey of 1,000 pet owners nationwide — 204 respondents reported having a policy with the company for their dog or cat. Out of these participants, 73% were satisfied with ASPCA Pet Health Insurance, and 83% felt pet insurance as a whole was worth the purchase.

With Fetch, you have the option to use any vet within the U.S. or Canada, unlike with other providers who may not cover treatments received outside of the U.S.

From exam fees and telehealth visits to coverage for behavioral issues, Fetch includes coverage as standard that other companies may only sell as add-ons. Fetch may also reimburse you for the price you paid for your covered pet if it is stolen, goes missing or dies during the policy period. If you’re a pet owner who prefers holistic care or alternative treatments, the company also covers treatments such as acupuncture, homeopathy, stem-cell therapy and more with no extra costs.

• Available plans: Accident-and-illness and wellness care
• Age restrictions: 6 weeks old for enrollment — no upper age limit
• Exclusions: Incurable pre-existing conditions, breeding, prescription food, elective procedures, cosmetic surgeries, parasites and therapies not administered by a veterinarian

Quotes gathered by our team show the average Fetch policy costs $36 per month. This is around 10% less than the average monthly cost of pet insurance nationwide. Our team also requested quotes for pets at various life stages to determine how prices change with age.

Our former teammate purchased a Fetch accident and illness plan for Saint, her 2-year-old golden retriever. She chose a plan with a $300 deductible, 80% reimbursement rate and $5,000 annual limit, for a total of $49 per month.

She said it took her five to 10 minutes to sign up for coverage, noting the process was very easy and user-friendly.

“There wasn’t an extensive amount of questions about myself, Saint or his vet. However, if someone were to pick this provider, they need to make sure they have their pet’s medical records on hand or easily accessible. Without medical records, you can’t file a claim in the future.”

In our 2025 pet insurance survey, just 19 of the 1,000 respondents reported choosing Fetch as their pet insurer of choice. Of these respondents, 58% were satisfied with the company overall, and 62% felt pet insurance was worth it.

Spot is our pick for the most comprehensive coverage, with seven annual coverage limit options, five deductible choices and three reimbursement rates. This allows pet owners to tailor plans to find the right balance between coverage and affordability. You can further save on a plan by choosing Spot’s accident-only plan over its more comprehensive — and expensive — accident and illness policy.

Like several other providers featured in this review, Spot reduces your deductible each year you go without filing a claim. Accident and illness coverage is also comprehensive, including alternative treatments, behavioral therapies, microchipping and even veterinarian-prescribed diets. If you have multiple pets, Spot also offers a multi-pet discount.

• Available plans: Accident-and-illness, accident-only and wellness care
• Age restrictions: 8 weeks old for enrollment — no upper age limit
• Exclusions: Incurable pre-existing conditions, boarding, day care, breeding costs and cosmetic procedures

Our research shows the average cost of a pet insurance policy with Spot is $37 per month. This is around 7% less than the average national cost of pet insurance. Here is a breakdown of costs by species that we also obtained from the company.

Our former team member purchased an accident and illness plan for her 4-year-old Pembroke Welsh corgi, Oliver. She opted for a plan with a $500 deductible, 80% reimbursement rate and $5,000 annual limit, amounting to $34 a month.

“The website’s usability was outstanding, making it incredibly easy to sign up for a pet insurance plan in less than five minutes. The clear instructions and limited options combined with transparent pricing for both annual and monthly costs ensured a smooth and efficient registration process.”

In our latest 2025 pet insurance survey, 32 of the 1,000 total participants with pet insurance chose Spot to insure their dog or cat. Of the 32 respondents, 79% felt satisfied overall with the company and 79% said pet insurance is worth it.