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Independent comparisons

Pet insurance comparisons — no commissions, no bias.

Every comparison is based on published policy documents. We do not earn money from any insurer, so we can tell you the truth about each one.

Head-to-head comparisons

Trupanion vs Embrace
Per-condition vs annual deductible
The most important structural difference in pet insurance. Which model saves you more depends on your pet's history.
Healthy Paws vs Pumpkin
Age restrictions vs no limits
Healthy Paws has no annual payout limit but restricts coverage at age 5-6. Pumpkin has no age restrictions but caps at $20,000.
Lemonade vs Spot
6 month vs 14 day orthopedic wait
Both target younger pet owners. Spot's shorter orthopedic wait is a significant advantage for medium and large breeds.
Fetch vs Pets Best
Dental illness and behavioral coverage
Fetch covers dental illness and behavioral therapy in the base plan. Pets Best offers a lower entry price with fewer inclusions.

Before choosing based on a comparison: The best insurer for your pet depends on what is already in their vet records. A waiting period that sounds long may not matter if your pet has no orthopedic history — and vice versa. Use the pre-enrollment scan to see which insurer excludes the least for your specific pet.

What to look for in any comparison

Every pet insurance comparison should cover these five factors. If a comparison site skips any of them, it is probably missing something important.

1
Orthopedic waiting period
Ranges from 14 days (Spot, Pumpkin) to 6 months (Embrace, Lemonade). For large breeds, this single factor can mean a $5,000 difference.
2
Deductible structure
Annual (you pay once per year) vs per-condition (you pay separately for each new condition). Trupanion is the only major insurer using per-condition deductibles.
3
Age restrictions
Some insurers reduce options at age 5, exclude hip dysplasia at 6, or limit new enrollments at 9. Pumpkin, Spot, and Trupanion have no age-based coverage restrictions.
4
Curable pre-existing conditions
Embrace and Healthy Paws will reconsider previously excluded conditions after a 12-month symptom-free period. Most others will not.
5
Annual payout limit
Healthy Paws and Trupanion have no annual limit. Most others cap at $5,000-20,000. Cancer treatment alone can exceed $20,000.

Skip the comparison — see what each insurer would exclude for your pet

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