PetPass Guide
Compare pet insurance
One vet emergency can cost thousands. Here's an honest, side-by-side look at leading providers so you can pick the right fit — then get an exact quote from the carrier.
How this page works: PetPass doesn't sell or quote insurance — we link you to each provider's own quote tool, and we may earn a commission if you buy through our links (at no extra cost to you). Prices shown are rough ballparks, not quotes.
Trupanion
Direct-to-vet payments
Can pay your vet directly at checkout, so you may not front the whole bill. No payout caps.
- Pays some vets directly
- No per-condition payout limits
- One simple plan
Often ~$45–75/mo for dogs · varies by pet
Get a Trupanion quoteHealthy Paws
Simple, unlimited coverage
One straightforward accident & illness plan with no annual or lifetime payout caps.
- No annual/lifetime caps
- Fast claim processing
- Covers hereditary conditions
Often ~$40–70/mo for dogs · varies by pet
Get a Healthy Paws quoteLemonade
Lowest starting prices + app
App-first experience with competitive base prices and optional wellness/preventative add-ons.
- Budget-friendly base plans
- Fast in-app claims
- Bundle with home/renters
Often starts ~$20–40/mo · varies by pet
Get a Lemonade quoteFetch
Broad coverage inclusions
Comprehensive coverage that can include dental, behavioral therapy, and sick-visit exam fees.
- Covers exam fees
- Dental illness coverage
- Behavioral therapy
Often ~$35–65/mo for dogs · varies by pet
Get a Fetch quoteEmbrace
Diminishing deductible
Accident & illness plans with a deductible that shrinks each year you don't claim.
- Healthy-pet deductible drops
- Optional wellness rewards
- Covers exam fees
Often ~$30–60/mo for dogs · varies by pet
Get a Embrace quoteSpot
Flexible limits
Customizable accident & illness plans, including an unlimited annual-limit option.
- Unlimited-limit option
- Optional wellness add-on
- Covers exam fees
Often ~$30–55/mo for dogs · varies by pet
Get a Spot quotePumpkin
Comprehensive + preventive
Strong accident & illness coverage with an optional preventive-care pack for routine visits.
- 90% reimbursement option
- Optional preventive pack
- Covers exam fees
Often ~$35–65/mo for dogs · varies by pet
Get a Pumpkin quotePets Best
Fast direct-deposit claims
Long-running provider with quick claim turnaround and optional routine-care add-ons.
- Fast reimbursements
- Optional wellness add-on
- Vet direct-pay option
Often ~$30–55/mo for dogs · varies by pet
Get a Pets Best quoteWhat to compare before you buy
Reimbursement rate
The % of the vet bill you get back after your deductible — often 70%, 80%, or 90%. Higher rate, higher premium.
Annual limit
The most the plan pays per year. Some offer an unlimited option; a low cap can leave you exposed on a big bill.
Deductible
What you pay before coverage kicks in. Some plans lower it each claim-free year.
Waiting periods
The delay before coverage starts — especially for illnesses and orthopedic conditions.
Exclusions
Pre-existing conditions are almost always excluded. Read what else is (e.g. exam fees, dental, behavioral).
Add-ons
Routine/wellness care is usually a separate optional pack — useful if you want checkups and vaccines covered.
Pet insurance FAQ
How does pet insurance work?
You pay a monthly premium, then when your pet gets sick or hurt you pay the vet and submit a claim. The insurer reimburses a percentage (often 70–90%) after your deductible. Most plans cover accidents and illnesses; routine/wellness care is usually an optional add-on.
Are pre-existing conditions covered?
Almost never. Any condition your pet showed signs of before coverage started (or during the waiting period) is typically excluded. That's why enrolling while your pet is young and healthy usually gets you the best coverage and price.
How much does it cost?
It varies a lot by species, breed, age, location, and the coverage you choose — the ranges here are rough ballparks, not quotes. Get an exact price from each carrier's own quote tool.
Which one should I pick?
There's no single best plan — it depends on your pet and budget. Compare reimbursement rate, annual limit, deductible, waiting periods, and what's excluded. Get a quote from two or three and compare the real numbers.
PetPass is not an insurance company, agent, or licensed advisor, and this page isn't financial advice. Coverage, exclusions, and pricing are set by each insurer and vary by pet, breed, age, and location — always confirm details in the carrier's official quote and policy documents. PetPass may earn a referral commission from links on this page.