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Pet insurance reviews

The short answer

There's no single “best” pet insurer — the right one depends on your pet and your priorities. Below are plain-English reviews of six leading US insurers, each strong at something different: lowest prices, flexible limits, a shrinking deductible, comprehensive cover, direct vet pay, or no per-condition caps.

Lemonade
Lowest starting prices

App-first cover with fast, AI-assisted claims.

Spot
Flexible coverage limits

Flexible limits, including an unlimited annual option.

Embrace
Diminishing deductible

A shrinking deductible that rewards claim-free years.

Fetch
Comprehensive coverage

Comprehensive cover, including dental and sick-visit fees.

Pets Best
Direct vet pay

Vet-founded, with the option to pay your vet directly.

ManyPets
No per-condition caps

Simple plans with no per-condition payout caps.

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