Embrace Pet Insurance has covered more than 400,000 pets since 2003 and paid over $500 million in claims, backed by A+ rated American Modern Insurance Group (a Munich Re subsidiary). Available in all 50 states plus D.C., Embrace combines comprehensive accident and illness coverage with the most flexible wellness add-on in the industry — and the only diminishing deductible program among major carriers.

• ✅ Healthy Pet Rewards — Unique in the Industry: Embrace is the only major pet insurer that rewards you financially for claim-free years. Its new Healthy Pet Premium Discount Program (replacing the previous Healthy Pet Deductible) cuts your premium by 5% after one claim-free year and 10% after two — a dollar-for-dollar benefit that compounds the longer your pet stays healthy.
• ✅ Most Flexible Wellness Benefit Available: Unlike competitors whose wellness plans use rigid itemized schedules, Embrace's Wellness Rewards is a single flexible annual pool you can spend on anything routine — vaccines, dental cleanings, grooming, training, supplements, prescription food, even microchipping. Put the whole allowance toward one big expense or spread it across many. No category caps.
• ✅ Comprehensive Base Coverage — Dental and Alternative Therapies Included: Embrace's accident and illness plan covers dental illness (including extractions and gingivitis), hereditary and congenital conditions, behavioral therapy, and alternative treatments like acupuncture, chiropractic, hydrotherapy, and laser therapy — all in the base policy without an add-on. Most competitors either exclude these or charge extra.
• ✅ Fully Customizable — Build a Plan That Fits Your Budget: Choose from deductibles of $100–$1,000, reimbursement rates of 70%, 80%, or 90%, and annual limits from $2,000 all the way to Unlimited. That's over 75 possible configurations to balance premium against coverage depth. Average unlimited-coverage premium of $109.74 is well below the $144.73 industry average.
• ✅ Curable Pre-Existing Condition Exception & 24/7 Telehealth: Embrace distinguishes between incurable and curable pre-existing conditions — issues like UTIs or ear infections can be covered again if your pet stays symptom-free for 12 months. Every policy also includes 24/7 access to the PawSupport pet helpline and an A+ BBB rating with stackable multi-pet (10%) and military/first responder (5%) discounts.

Pumpkin Pet Insurance, founded in 2020 and underwritten by United States Fire Insurance Company (a Crum & Forster company), has built a reputation for premium coverage and best-in-class claims speed. Available in all 50 states with no upper age limit, Pumpkin packages every policy with a 90% reimbursement rate and PumpkinNow — an industry-first instant-pay feature that can reimburse major claims in as little as 15 minutes.

• ✅ PumpkinNow — 15-Minute Emergency Reimbursement: Included standard on every policy, PumpkinNow can pay out up to 90% of eligible claims of $1,000 or more in as little as 15 minutes — before you even pay the vet. No other major insurer offers instant pre-treatment reimbursement at this scale. For a cancer diagnosis, emergency surgery, or critical care moment, it means you make decisions based on what's right for your pet, not what's in your bank account today.
• ✅ No Upper Age Limit — Senior Pets Welcome: While many competitors cap new enrollments at age 14, Pumpkin has no upper age limit and no breed exclusions — making it one of the best options in the market for older pets, rescue seniors, and breeds prone to hereditary issues. Pets can enroll from 8 weeks old and stay covered for life.
• ✅ Exceptionally Broad Base Coverage: Pumpkin's accident and illness plan covers what most insurers charge extra for — vet exam fees, behavioral therapy, alternative treatments (acupuncture, hydrotherapy, chiropractic), dental illness, prescription food for covered conditions, microchipping, and even stem cell therapy — all in the base policy. For pet parents who'd rather not decode a menu of add-ons, it's one of the most comprehensive single-plan offerings available.
• ✅ 90% Reimbursement & Unlimited Annual Limits: Every Pumpkin plan defaults to a 90% reimbursement rate — among the highest in the industry — with deductibles from $100 to $1,000 and annual limits up to Unlimited ($10K, $20K, or unlimited for dogs; $7K, $15K, or unlimited for cats). Paired with a 4.7-star Trustpilot rating from 3,100+ reviews and an A+ BBB rating, Pumpkin trades a higher premium for measurably better payouts and service.
• ✅ Preventive Essentials & 180-Day Curable Pre-Existing Window: Add Pumpkin's optional Preventive Essentials wellness pack (starting around $19.95/month for dogs and $14.95/month for cats) to get 100% reimbursement on routine care like annual exams, vaccines, and parasite screenings — with no waiting period. Pumpkin will also cover curable pre-existing conditions as new occurrences after 180 symptom-free days (excluding knee/ligament), and every member gets 24/7 vet helpline access through PawSupport.

Lemonade is an AI-powered, app-first insurance company serving 2.9M+ customers and operating as a Certified B Corp and Public Benefit Corporation. Its pet insurance is built for speed and simplicity — roughly half of claims are processed in minutes, not days — and its Giveback program donates unused premiums to pet-focused nonprofits you select at signup.

• ✅ Fastest Claims in Pet Insurance: Lemonade's AI-powered claims engine processes nearly 50% of claims in minutes — not the 5–30 days typical at legacy carriers. File right from the vet's waiting room through the app, record a quick video explainer, upload your invoice, and watch the reimbursement hit your account before you've driven home.
• ✅ Lowest Premiums in the Market: Lemonade's dog insurance averages $41/month and cat coverage averages $23/month — ranking #1 for dog affordability in 49 states. Premiums start as low as $12/month depending on your pet and coverage selections, making it the most accessible entry point to pet insurance.
• ✅ Broad Customization With High Annual Limits: Choose reimbursement rates of 70%, 80%, or 90%, deductibles from $100 to $750, and annual limits up to $100,000 — among the highest ceilings available anywhere. Adjust coverage mid-term through the app (with underwriter approval), so your policy can scale as your pet's needs change.
• ✅ Stackable Discounts Up to 20%: Bundle with Lemonade renters, homeowners, auto, or term life to save 10%, pay annually for an additional 5% off, and add a multi-pet discount for another 5%. For customers already in the Lemonade ecosystem, it's the cheapest way to get quality pet coverage.
• ✅ Modular Add-Ons — Pay Only for What You Need: Lemonade's stripped-down base plan is a feature, not a bug. Add exactly what matters to you: Preventative Care packages (including a dedicated Puppy/Kitten tier), vet exam fees, dental illness, behavioral conditions, and end-of-life & remembrance coverage. With Lemonade's flat-fee Giveback model, the company has little incentive to deny claims — unused premiums go to nonprofits you pick.

The ASPCA Pet Health Insurance Program, administered by Crum & Forster Pet Insurance Group through C&F Insurance Agency, has been protecting pets since 1997 — making it one of the oldest pet insurers in the country. With more than 600,000 pets covered and 2.2 million+ claims processed, ASPCA combines brand trust with one of the most comprehensive and flexible policies available.

• ✅ No Upper Age Limit — Senior Pets Fully Eligible: While most competitors cap new enrollments at age 14 or 15 (or restrict older pets to accident-only plans), ASPCA has no upper age limit on its Complete Coverage plan. If you're adopting a senior rescue or insuring a long-lived pet for the first time, ASPCA is one of the few carriers that will still write a full accident-and-illness policy.
• ✅ Industry-Leading Curable Pre-Existing Window: ASPCA will cover curable pre-existing conditions as new occurrences after just 180 symptom-free days — half the 12-month window most competitors require. That's a meaningful edge for pets with a history of treatable issues like UTIs, ear infections, or GI upset. (Ligament and knee conditions remain excluded.)
• ✅ Horse Coverage — Rare in the Market: ASPCA is one of the only major pet insurance providers to cover horses, with Colic + Accidents and Colic + Accidents + Illnesses plans plus two tiers of routine care. Equine owners typically have to shop specialty carriers; ASPCA lets you insure dogs, cats, and horses under one brand with a 10% multi-pet discount across species.
• ✅ Comprehensive Complete Coverage Plan: ASPCA's Complete Coverage accident-and-illness plan covers the full menu — accidents, chronic conditions, hereditary and congenital conditions, behavioral therapy, alternative therapies, dental illness, and prescription medication — with customizable deductibles ($100–$500), reimbursement rates (70%, 80%, 90%), and annual limits up to unlimited. Reimbursement is simplified as a straight percentage of your actual invoice.
• ✅ 24/7 Vet Telehealth & Trusted Brand Partnership: Every policy includes 24/7 access to licensed vet professionals through The Vet Connection, available right in the ASPCA mobile app alongside claims filing, deductible tracking, and a nationwide vet locator. Backed by the ASPCA's iconic brand through a licensing partnership, you're buying from a provider that's been in this business for nearly 30 years.

Spot Pet Insurance, founded in 2019 and headquartered in Miami, has quickly become one of the most versatile pet insurers in the U.S. Underwritten by United States Fire Insurance Company (Crum & Forster, AM Best A rating), Spot offers something most competitors don't: a true menu of plans — accident-only, accident and illness, plus two tiers of preventive care — all available in every state with no upper age limit for enrollment.

• ✅ Full Plan Menu — Including Accident-Only: Spot is one of the few carriers to offer both a comprehensive accident-and-illness plan and a lower-cost accident-only plan, plus two wellness add-ons (Gold at $250/year and Platinum at $450/year). That flexibility lets you match your budget to your pet's actual risk profile — start lean with accident-only and upgrade later, or go all-in with full coverage from day one.
• ✅ No Upper Age Limit — All Breeds Welcome: Spot enrolls pets starting at 8 weeks old with no upper age cap and no breed exclusions. That's a meaningful edge for senior pets, rescue adoptees, and breeds prone to hereditary conditions — all of which are covered just like any other illness, as long as they aren't pre-existing. Coverage is available in all 50 states, D.C., and Canada.
• ✅ Extensive Coverage With No Lifetime Caps: Spot's accident and illness plan includes vet exam fees, behavioral therapy, alternative therapies (acupuncture, chiropractic, hydrotherapy), dental illness, prescription medication and food, microchip implantation, and end-of-life care — all without per-incident or lifetime payout limits. Choose deductibles from $100–$1,000, reimbursement rates of 70%, 80%, or 90%, and annual limits from $2,500 up to Unlimited.
• ✅ 24/7 VetAccess Telehealth & Curable Pre-Existing Window: Every Spot policy includes VetAccess — unlimited 24/7 access to a veterinary professional via phone, chat, messenger, or video at no additional cost. Use it for after-hours questions before making that emergency run. Spot also covers curable pre-existing conditions as new occurrences after 180 symptom-free days (excluding knee and ligament conditions).
• ✅ Stackable Savings & Strong Customer Ratings: Save with a 10% multi-pet discount for each additional pet and earn up to $500/year through Spot's Refer-a-friend program. Ranked #2 nationally for customer experience, Spot combines a digital-first claims portal with a maturing service operation — and reimburses using a pet-owner-friendly method (deductible applied first, then reimbursement percentage on the remainder) that typically returns more money per claim than competitors.