Side-by-Side Comparison

14 plans for dogs, 1–3 years

Coverage:All Comprehensive Accident Only

Feature	Lemonade Pet Young pets & tech-savvy owners	Petco Insurance Petco loyalists & brand trust	Hartville Pet Insurance Budget-friendly with no age limit	AKC Pet Insurance AKC members & purebred dog owners	ManyPets Multi-pet households	Pets Best Budget-conscious pet owners	Figo Pet Insurance Tech-forward owners & 100% reimbursement	ASPCA Pet Insurance ASPCA supporters & behavioral coverage	Embrace Pet Insurance Pets with prior health issues	Fetch Pet Insurance Holistic care & breed-specific coverage	Healthy Paws Highest satisfaction & unlimited coverage	MetLife Pet Insurance Employer benefits & established insurer	Trupanion Chronic conditions & direct vet pay	Nationwide Pet Exotic pets & established brand
Est. monthly	$30/mo	$35/mo	$36/mo	$37/mo	$38/mo	$40/mo	$41/mo	$44/mo	$45/mo	$46/mo	$48/mo	$49/mo	$52/mo	$54/mo
Coverage	ComprehensiveAccident Only	ComprehensiveAccident Only	ComprehensiveAccident Only	ComprehensiveAccident Only	ComprehensiveAccident Only	ComprehensiveAccident Only	Comprehensive	ComprehensiveAccident Only	ComprehensiveAccident Only	Comprehensive	Comprehensive	ComprehensiveAccident Only	Comprehensive	ComprehensiveAccident Only
Reimbursement	70%, 80%, 90%	70%, 80%, 90%	70%, 80%, 90%	70%, 80%, 90%	80%	70%, 80%, 90%	70%, 80%, 90%, 100%	70%, 80%, 90%	70%, 80%, 90%	70%, 80%, 90%	70%, 80%, 90%	70%, 80%, 90%	90%	50%, 70%, 90%
Annual deductible	$100–$500	$200–$500	$100–$500	$100–$500	$250	$50–$1,000	$100–$750	$100–$500	$200–$1,000	$200–$500	$100–$500	$50–$2,500	$0 per condition (lifetime)	$250
Annual max	$10,000–$100,000	Unlimited	Unlimited	Unlimited	$15,000	Unlimited	$5,000–Unlimited	$3,000–$10,000	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited
Pre-existing	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded	✓ Covered	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded	✗ Excluded
Accident wait	2 days	3 days	2 days	2 days	2 days	3 days	1 day	3 days	2 days	5 days	15 days	2 days	5 days	14 days
Illness wait	14 days	14 days	14 days	14 days	14 days	14 days	14 days	14 days	14 days	15 days	15 days	14 days	30 days	14 days
Age range	Under 14 years	8 weeks – any age	Any age	8 weeks – any age	8 weeks – 14 years	Any age	8 weeks – any age	8 weeks – any age	Under 14 years	6 weeks – 16 years	Under 14 years	8 weeks – any age	8 weeks – any age	Any age
Pros	✓Lowest premiums for young healthy pets ✓AI-powered claims (often resolved in seconds) ✓Gives back unused premiums to charity	✓Backed by Petco brand trust ✓Covers exam fees ✓Petco store discounts for members	✓Competitive pricing ✓No age limit for enrollment ✓Includes exam fee coverage	✓Trusted AKC brand name ✓Covers boarding fees if you're hospitalized ✓Multi-pet discounts available	✓Simple, transparent pricing ✓Covers dental illnesses ✓Multi-pet discounts available	✓One of the lowest deductibles available ($50) ✓Fast claims processing (avg 5 days) ✓No age limit for enrollment	✓Unique 100% reimbursement option ✓Cloud-based Pet Cloud app for vet records ✓Lost pet assistance included	✓Trusted ASPCA brand ✓Covers behavioral therapy ✓Microchip implantation covered	✓Covers curable pre-existing conditions ✓24/7 vet helpline included ✓Diminishing deductible reward program	✓Covers breed-specific conditions ✓Includes telehealth visits ✓Holistic & alternative therapies covered	✓Highest customer satisfaction rating ✓No caps on claims or lifetime payouts ✓Fast mobile app for claims	✓MetLife brand trust and financial stability ✓Employer benefits program available ✓Covers vet exam fees	✓Unique per-condition deductible (pay once per condition) ✓Direct vet payment — no waiting for reimbursement ✓90% reimbursement on all plans	✓One of the oldest pet insurers ✓Covers exotic pets (birds, reptiles, etc.) ✓Whole Pet with Wellness plan available
Cons	✗Not available in all states ✗Annual max cap (not unlimited)	✗Newer provider with less track record ✗Limited customization	✗Less well-known brand ✗Website experience is dated	✗Dog-focused marketing (less cat data) ✗Claims reimbursement takes 5–10 days	✗Fixed 80% reimbursement ✗Lower annual max than competitors	✗Does not cover pre-existing conditions ✗Routine care is an add-on	✗Comprehensive coverage only ✗Higher premiums for 100% tier	✗Annual max caps on some plans ✗Claims process can be slow	✗Higher monthly premiums ✗Illness waiting period is 14 days	✗Comprehensive only (no accident-only option) ✗Higher premiums	✗No wellness/routine care coverage ✗Not available for pets over 14 years	✗Higher premiums ✗Large deductible range can be confusing	✗Premium pricing ✗Single 90% reimbursement option only	✗Higher premiums ✗Lower reimbursement tiers available
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Costs are estimates for a young dog based on published base rates. See Reddit-ranked results →