Best Pet Insurance Companies in the U.S.

NEW YORK, Oct. 26, 2026 — Pet insurance policies vary in premiums, coverage limits, deductibles and reimbursement rates, making provider comparisons important for pet owners. In U.S. News & World Report’s assessment of 20 insurers, Lemonade ranked first overall, followed by Pumpkin and Pets Best. The rankings also recognize providers for customer satisfaction, budget-friendly coverage and specialized benefits.

Leading Pet Insurers

Lemonade ranked first with a rating of 4.8 out of 5. Pumpkin placed second with 4.7 and received recognition for customer satisfaction. Pets Best ranked third with 4.6 and was named the best budget option.

MetLife Pet Insurance ranked fourth with 4.5 for its short accident waiting period. Spot placed fifth with 4.4 for senior pet coverage, while Healthy Paws ranked sixth with 4.3 for easy-to-understand coverage. ASPCA Pet Health Insurance ranked seventh with 4.2 for comprehensive coverage.

Fetch ranked eighth with 4.1 for wellness coverage. Embrace placed ninth with 4.0 for the longest time to file claims. Figo ranked 10th with 3.9 for 24/7 veterinary support.

Comparing Policy Features

Pet insurance policies specify which veterinary treatments qualify for reimbursement, how much the insurer pays, and what the policyholder must pay. Premiums are the regular payments required to maintain coverage. Deductibles are amounts the policyholder pays before eligible expenses qualify for reimbursement. Reimbursement rates determine the percentage of covered expenses the insurer pays, subject to policy terms and limits.

Before buying a policy, pet owners should review covered treatments, exclusions, deductibles, reimbursement rates and annual coverage limits. They should also check waiting periods, whether wellness services are covered, deadlines for filing claims and the availability of 24/7 veterinary assistance. These terms determine the care eligible for reimbursement and the expenses the policyholder must pay out of pocket.