Best Pet Insurance Provider 2026
Peace of mind is the greatest gift a pet owner can have, and the right insurance provider makes that possible. Whether it's navigating unexpected emergencies or managing routine wellness care, top-tier providers offer the transparency and support families need during difficult times. We've identified the industry leaders known for comprehensive coverage and stellar service.
Newsweek is proud to recognize this year's 10 standout pet insurance providers—selected by our expert panelists and contributors and voted on by readers for their exceptional quality and distinctive excellence. Each has been officially recognized by Newsweek as one of the Best Pet Insurance Provider of 2026.
1. Fetch Pet Insurance
Fetch Pet Insurance offers comprehensive coverage that goes beyond the clinic. Their plans include unique benefits like reimbursement for boarding fees if the owner is hospitalized, lost pet reward money, and even vacation cancellation fees. They cover every adult tooth, not just the canines, and provide specialized support for behavioral therapy. Fetch brings a modern, empathetic perspective to insurance that truly understands the pet-human bond.
2. Nationwide
As the first and most experienced pet insurer in the U.S., Nationwide offers unparalleled expertise and a wide range of flexible coverage options that can be tailored to fit different needs and budgets. Plans are available for dogs, cats, birds, reptiles, and other exotic pets. With benefits like unlimited 24/7 pet telehealth, discounted prescriptions, and multi-pet savings, Nationwide provides a convenient, all-in-one solution for households with diverse animals.
3. Met Life
MetLife Pet Insurance offers some of the most flexible "family plans" in the industry, allowing multiple pets to share a single annual deductible and limit. Their policies are highly inclusive, offering coverage for previous years' exam fees and no initial wait period for accidents in many states. With specialized discounts for healthcare workers, first responders, and military members, MetLife provides institutional stability paired with compassionate, adaptable coverage for diverse pet families.
4. ASPCA Pet Health Insurance
Underwritten by Crum & Forster, ASPCA Pet Health Insurance leverages decades of animal welfare expertise. Their "Complete Coverage" plan is highly flexible, allowing owners to customize annual limits, deductibles, and reimbursement percentages. It covers accidents, illnesses, hereditary conditions, and behavioral issues as standard. With a user-friendly app for claim submission and a helpful 10 percent multi-pet discount, they provide reliable, experienced protection that supports the bond between you and your pet.
5. Lemonade
Lemonade brings a high-tech, socially conscious approach to pet insurance. Using AI to process claims in seconds, their app offers a seamless experience for busy owners. Their base policy covers diagnostics, procedures, and medications for accidents and illnesses, with customizable add-ons for vet exam fees, physical therapy, and dental illness. Plus, Lemonade's Giveback program donates a portion of unclaimed premiums to animal charities, making your policy a force for good.
6. AKC Pet Insurance
The AKC Pet Insurance program is the only provider that offers a unique "Pre-existing Condition" coverage for curable and incurable conditions after a 365-day waiting period. Their plans are highly customizable, offering specialized add-ons for breeding coverage, hereditary conditions, and wellness. Backed by the American Kennel Club's long history of canine advocacy, this insurance provides a deep level of security, particularly for pedigreed dogs and owners involved in the show world.
7. Trupanion
Trupanion is a leader in high-payout medical insurance, offering a unique "one simple plan" approach with 90 percent reimbursement and no payout limits. Their standout feature is "Vet Direct Pay," which allows them to pay participating clinics in real-time, so owners only handle their portion of the bill at checkout. By focusing on high-quality medical coverage for life-threatening conditions and chronic illnesses, Trupanion removes financial barriers during the most critical moments.
8. Healthy Paws
Founded in 2009 by pet parents for pet parents, Healthy Paws is a consistently top‑rated pet health insurance provider trusted by more than 500,000 customers. Known for its streamlined, easy‑to‑understand coverage, the company was the first in the category to operate as a digital‑only insurer and to launch a mobile app for submitting and tracking claims. Now a Chubb company, Healthy Paws combines a modern, tech‑forward approach with the backing of a global insurance leader.
9. Pets Best
Founded by a veterinarian, Pets Best offers specialized plans that understand the nuances of animal health. They are known for their "BestProtect" technology and unique features like direct-pay options, which can send reimbursement directly to your vet to lower out-of-pocket costs. Their plans cover accidents, illnesses, and optional routine care, including specialized coverage for mobility devices. With a 24/7 pet helpline, Pets Best provides expert-driven support when you need it most.
10. Spot
Spot Pet Insurance stands out for its deep customization and extensive coverage of behavioral issues and alternative therapies. Backed by celebrity advocate Cesar Millan, Spot offers both Accident-Only and Accident & Illness plans with no upper age limits. Their policies cover microchipping and even provide reimbursement for specialized training or supplements. With a focus on holistic health and clear, jargon-free policies, Spot helps owners provide a high standard of care.
FINALISTS
Embrace
Figo
GEICO
Hartville Pet Insurance
ManyPets
Odie
Prudent Pet
Pumpkin
USAA
Wagmo
About Newsweek Readers' Choice™ Awards
Our nominees are editorially driven with contributions from a panel of travel experts. The final list is determined by Newsweek editors. Readers can vote once per category, per day. For any questions, please see our FAQs or email us at readers.choice@newsweek.com.
Our Featured Panelists
Julie Bielenberg
Julie Bielenberg is a Colorado-based writer producing over 75 pieces a year for outlets such as AAA, Family Vacationist, Rachel Ray in Season, Spoke + Blossom, USA Today, Vail Daily and numerous others. She has been the State's #1 agritourism for ten consecutive years and is always in search of field, farm, forest and forage. Julie has three children and two pandemic pooches and is married to an avid outdoorsman. Follow her on Instagram.
Nancy Zaffaro
Nancy Zaffaro is a writer, editor and photographer. She covers arts, culture, travel and the outdoors and also writes fiction. She is the Editor of ConfettiTravelCafe.com, and her work has appeared in print and online for numerous publications and media outlets. She travels locally throughout the Pacific Northwest, nationally and to far-flung international locales. When not traveling, she's active in her community and enjoys hiking, kayaking, yoga and spending time with friends and family. Originally from Chicago, she's also lived in Vancouver, British Columbia and Bellingham, Washington. She's currently based in Portland, Oregon.
Newsweek contributors speak from a variety of backgrounds and offer expertise in a wide range of subject areas.