1
T
Trupanion
Accident and illness coverage that can pay your vet directly
- Can pay participating vets directly at checkout
- Up to 90% reimbursement with no annual payout limit
- One deductible per condition for the life of the pet
Updated October 2026 · reimbursement · deductible · annual limit
Compare the Best Pet Insurance (2026)
Vet bills add up fast. Compare pet insurance plans by reimbursement rate, deductible and annual limit for your dog or cat.
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Step 1
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Providers
Featured pet insurance providers
2
HP
Healthy Paws
Accident and illness plans with no payout caps
- Reimbursement options from 60% to 90%
- No annual or lifetime payout limits
- Claims are commonly processed within a few days
3
L
Lemonade
App-based pet insurance with customizable plans
- Choose your reimbursement, deductible and annual limit
- Short waiting periods for accidents
- Optional wellness and dental add-ons
Our top picks, explained
Best for direct vet payment
T
Trupanion
Paying the vet directly means you may not need to front the full bill for a big claim.
Pros and cons
- Less out-of-pocket at the vet
- No payout caps
- Exam fees are generally not covered
Best for fast claims
HP
Healthy Paws
A straightforward plan with no payout caps and a reputation for quick claims.
Pros and cons
- Unlimited payouts
- Simple plan structure
- No wellness add-on
Best for low prices
L
Lemonade
Lets you build a plan to fit a budget, with optional preventive care.
Pros and cons
- Low starting prices
- Claims handled in the app
- Annual limits apply
Side-by-side comparison
T | HP | L | |
|---|---|---|---|
| Trustpilot rating | |||
| Reimbursement | Up to 90% | 60–90% | Customizable |
| Annual limit | None | None | Customizable |
| Deductible | Per condition, lifetime | Annual, $100–$750 | Customizable |
| Visit site | Visit site | Visit site |
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any pet insurance provider, whether or not it appears on The Top 10 Experts.
Reimb.
Reimbursement rate
The share of a covered bill the insurer pays after the deductible, often 70% to 90%.
Deductible
Annual or per-condition
Most plans use an annual deductible. A few apply it per condition.
Limit
Annual payout limit
Some plans cap yearly payouts. Unlimited plans cost more but protect against big bills.
Waiting
Waiting periods
Coverage for illness usually starts after a waiting period. Some orthopedic conditions wait longer.
Common questions
Does pet insurance cover pre-existing conditions?
Generally no. Conditions that showed signs before coverage began are usually excluded.
Can I use any vet?
Most pet insurance reimburses you at any licensed vet in the U.S.
When should I buy it?
Earlier is better. Young pets cost less to cover and have fewer pre-existing conditions.
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