Choosing the right pet insurance can feel overwhelming. With dozens of providers making similar promises, how do you know which one will actually be there when you need them most—whether that’s an emergency surgery, a chronic illness diagnosis, or an unexpected accident?
That’s why we developed a rigorous, data-driven methodology to cut through the marketing noise and identify the pet insurance companies that truly deliver for their customers. We used this rating system to rank the best pet insurance companies.
Our Approach
We evaluated pet insurance companies using a weighted scoring system designed to reflect what actually matters when your pet needs care and you’re facing a difficult decision at the vet’s office. Each company was assessed across five core categories, with scores curved against the top performer to ensure our rankings reflect real competitive differences.
Here’s how we weight each factor—and why it matters for your pet’s protection.
Affordability (30%)
Pet insurance rates should be accessible to pet owners across different budgets. We compare premium costs across standardized pet profiles—accounting for species, breed, age, and location—while also evaluating what you actually get for your money: reimbursement rates, annual limits, and deductible options.
The goal isn’t finding the cheapest policy—it’s identifying companies that offer genuine value through competitive pricing paired with meaningful coverage. We pay close attention to how premiums increase as pets age and whether companies offer discounts for multiple pets, annual payments, or other factors.
Claims Process (20%)
The true test of any insurance company is how they handle claims. We evaluate the clarity of claims procedures, average processing times, documentation requirements, and approval rates for legitimate claims.
We also consider whether companies offer convenient digital claims submission, direct vet payment options, and transparent communication throughout the process. A company that makes filing a claim difficult or routinely denies coverage based on fine-print exclusions loses points here, regardless of how polished their sales experience might be.
Customer Service (20%)
When you’re worried about a sick pet, responsive and knowledgeable customer service isn’t a luxury—it’s essential. We evaluate availability, average response times, and the quality of assistance provided across phone, email, and chat channels.
We also look at whether companies offer helpful resources beyond basic claims support, such as access to veterinary telehealth services or guidance on understanding your policy’s coverage.
Financial Strength & Solvency (20%)
An insurance policy is only as good as the company’s ability to pay your claim. We weigh financial strength heavily because pet insurance is fundamentally a promise: the promise that funds will be available when you need them, whether that’s a $200 ear infection treatment or a $10,000 cancer surgery.
We examine AM Best ratings, financial reserves, and parent company stability. A provider offering rock-bottom prices means nothing if they can’t honor claims when your pet needs expensive care.
Coverage Options (10%)
Different pets and pet owners have different needs. We assess the range and flexibility of coverage options each company offers, including accident-only plans, comprehensive accident and illness coverage, and wellness add-ons.
We evaluate hereditary and congenital condition coverage, bilateral condition policies, prescription medication inclusion, and whether alternative therapies like acupuncture or hydrotherapy are available. Companies that offer customizable plans allowing you to tailor deductibles, reimbursement percentages, and annual limits to your specific situation score higher.
Our Commitment to Objectivity
Our ratings are based entirely on our independent research and analysis. We regularly update our evaluations to reflect changes in company performance, customer feedback, and market conditions.
Pet insurance exists to help you make healthcare decisions based on what’s best for your pet—not what you can afford in the moment. Our methodology is designed to help you find a provider worthy of that trust.
Pet Insurance Company Reviews
| Pet Insurance Company | Stability | Coverage | Affordabiliuty | Claims | Customer Service | Raw Score | Curved Score |
|---|---|---|---|---|---|---|---|
| Embrace | 9 | 8 | 7 | 8 | 7 | 7.7 | 9.5 |
| Metlife | 9 | 7.5 | 7 | 7.5 | 7 | 7.55 | 9.3 |
| Lemonade | 7 | 7 | 8 | 8 | 7 | 7.5 | 9.3 |
| Pets Best | 7 | 8 | 9 | 7 | 6 | 7.5 | 9.3 |
| Pumpkin | 8 | 8 | 6 | 9 | 7.5 | 7.5 | 9.3 |
| Prudent | 8 | 7 | 6 | 8 | 9 | 7.5 | 9.3 |
| ASPCA | 9 | 8 | 7 | 6 | 7 | 7.3 | 9 |
| Healthy Paws | 9 | 7 | 6 | 8 | 7 | 7.3 | 9 |
| Spot | 8 | 8 | 6 | 8 | 7 | 7.2 | 8.9 |
| AKC | 7 | 7 | 7 | 7 | 8 | 7.2 | 8.9 |
| Trupanion | 8 | 8 | 5 | 9 | 7 | 7.1 | 8.8 |
| Fetch | 8 | 9 | 6 | 7 | 7 | 7.1 | 8.8 |
Geico (Powered by Embrace) | 9 | 8 | 7 | 8 | 7 | 7.7 | 9.5 |
| Hartville | 9 | 7 | 7 | 6 | 6 | 7 | 8.6 |
| Many Pets | 7 | 8 | 7 | 7 | 6 | 6.9 | 8.5 |
| Figo | 8 | 7 | 6 | 7 | 6 | 6.7 | 8.3 |
| Liberty Mutual Pet Insurance | 8 | 7 | 7 | 6 | 5 | 6.6 | 8.1 |
| Pet Premium | 8 | 7 | 6 | 5 | 6 | 6.3 | 7.8 |
| Banfield Pet Insurance | 8 | 5 | 6 | 6 | 4 | 5.9 | 7.3 |
| Nationwide | 7 | 6 | 5 | 5 | 6 | 5.7 | 7 |
