Top 10 Pet Insurance Companies in 2026
Why Pet Insurance Matters
Pets are beloved members of many families — dogs, cats, sometimes even birds or exotic animals. But veterinary care can get expensive, especially when accidents, chronic conditions, or emergency surgeries occur. That’s why pet insurance is increasingly popular: a good insurance plan can bring peace of mind, help cover vet bills, and allow pet owners to give the best care to their furry companions without worrying about costs.
When choosing pet insurance, it pays to compare **coverage level, cost, reimbursement rate, waiting periods, what’s covered (accidents, illness, wellness, specialty care, etc.), and whether the insurer has good customer service and fast claims processing.**
Below, we’ve compiled a list of ten of the most trusted and widely used pet insurance providers in the USA, based on market share, independent reviews, coverage and plan variety, and customer satisfaction.
## Top 10 Pet Insurance Companies in the USA
### **Trupanion**
* Often ranked #1 by market share (around 30%) among U.S. pet insurers.
* Offers comprehensive accident and illness coverage for dogs and cats — with unlimited payouts and often direct payment to vets, which can help reduce upfront expenses.
* Good choice for pet owners who prefer broad, dependable coverage and don’t mind paying somewhat higher premiums for peace of mind.
### **Nationwide Mutual Insurance Company**
* With roughly 19% market share, Nationwide is among the largest pet insurers in the U.S.
* One of the few insurers that historically covered birds and exotic pets — not just cats and dogs.
* Offers multiple plan tiers: accident-only plans, accident + illness, and even wellness plans for routine care.
* Good for households with varied pets or those wanting flexible plan options.
### **Embrace Pet Insurance Agency, LLC**
* Holds around 9% market share among U.S. pet insurers.
* Known for customizable plans. You can start with accident & illness coverage and add optional wellness care — helpful for routine vet visits, vaccinations, etc.
* Often praised for transparency, good value, and for being a reliable mid-tier insurer for many pet owners.
### **Fetch by The Dodo** (formerly Petplan)
* Roughly 8% market share.
* Provides solid accident & illness plans for cats and dogs; Pet owners often appreciate that premiums may go down if claims aren’t made for a period (a “no-claim discount”).
* A good choice for pet owners seeking balance — decent coverage with competitive pricing.
### **Pets Best Insurance**
* Frequently rated highly for affordability + strong coverage.
* Offers multiple plan levels (Essential, Plus, Elite), including unlimited annual coverage options under top tiers.
* Covers accidents, illnesses — and with wellness add-ons, care like vaccinations, routine checkups, etc.
* Ideal for pet owners on a budget or those with older pets who might need frequent care.
### **Lemonade Insurance Company** (pet insurance division)
* Frequently cited among the top pet insurers in 2025 for affordability, flexibility, and modern digital experience.
* Known for being user-friendly and a good pick for younger pets or pet owners looking for straightforward coverage.
* Might not be available in every state — so worth checking availability for your pet’s location.
### **Healthy Paws Pet Insurance**
* While not among the very top by market share, Healthy Paws is often recommended for fast claims processing and unlimited payout options. ([Reviews.com][10])
* Good for pet owners who value ease of use, digital claims, and simplicity — especially useful for emergency care.
### **ASPCA Pet Health Insurance**
* Offers accident + illness coverage, with optional wellness add-ons and relatively affordable pricing.
* Known for flexible deductibles and coverage of things often excluded by others — such as dental issues, congenital and behavioral conditions, and alternative therapies.
* A solid choice for pet owners who want broader coverage and reasonably priced plans.
### **Spot Pet Insurance**
* Spot shows up in some recent listings as best for customizable policies. ([www.bestmoney.com][9])
* Offers a wide array of coverage add-ons — including behavioral therapy, alternative therapies, dental illnesses, vet exam fees, and even end-of-life coverage — which makes it appealing to pet owners wanting comprehensive protection.
### **Pumpkin Pet Insurance**
* Frequently recommended as “best value” if you want a balance between cost and comprehensive coverage, including wellness, behavioral coverage, and more.
* Great for pets that may need wellness and routine-care coverage (not just accident/illness protection).
## How to Choose the Right Insurance for Your Pet
Because every pet — and pet owner — is different, there is **no “one-size-fits-all”** best pet insurance. When evaluating companies / plans, you should:
* **Compare quotes carefully** — premiums vary depending on pet age, breed, species (dog/cat/bird), where you live, and plan coverage.
* **Check what’s covered**: accidents only vs. accidents & illnesses vs. wellness (routine care) vs. extras (dental, behavioral therapy, alternative therapies, etc.).
* **See reimbursement & payout terms** — does the insurer pay the vet directly? Is there an annual limit? What’s the deductible?
* **Consider customer service and claims processing speed** — a cheap plan isn’t worth much if claims are delayed or denied often.
* **Think long-term** — as pets age, health issues tend to increase; make sure the plan stays useful as your pet grows older.
## Final Thoughts
Pet insurance is more than just a nice-to-have — for many pet owners, it’s a way to ensure that illness or accident doesn’t force difficult decisions about care. The companies above have earned their reputations through a mix of market presence, robust coverage options, solid customer reviews, and flexibility.
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