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Compare Pet Insurance
Pet insurance can help cover the unexpected medical expenses that sometimes come with owning a pet.
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NerdWallet rating 

5.0

/5
Spot Pet Insurance - SEM
SEE DETAILS

on Spot's website

Annual max coverage

Unlimited

Reimbursement rates

70%, 80%, 90%

Deductibles

$100 - $1,000

Policy highlight

Broad coverage, including microchip implantation.

PROS
✓ Covers things some insurers don’t, such as prescription food and behavioral modification.
✓ Covers some pre-existing conditions if they have been cured and treatment-free for 180 days.
✓ Unlimited annual coverage option available.
CONS
- Doesn't offer the option to pay your vet directly.
THE BOTTOM LINE
Spot stands out for its comprehensive accident and illness plans, which cover things like alternative medicine, behavioral treatments, prescription food and microchip implantation. Spot also offers two preventive care plans to add to your pet’s policy. These plans reimburse you for wellness exams, dental cleanings and other routine expenses, up to your coverage limit. Spot has no upper age limit for pets, and customers can opt for unlimited annual payouts. And, there’s an accident-only plan available.
NerdWallet rating 

5.0

/5
ASPCA Pet Insurance - SEM
SEE DETAILS

on ASPCA's website

Annual max coverage

Unlimited

Reimbursement rates

70%, 80%, 90%

Deductibles

$100, $250, $500

Policy highlight

Broader coverage than most other plans.

PROS
✓ Covers horses in addition to cats and dogs.
✓ Standard plans cover alternative therapies, behavioral issues and congenital conditions.
✓ Shorter waiting period than most plans for cruciate injuries (14 days).
CONS
- You must call rather than getting an online quote if you’re interested in unlimited annual coverage.
THE BOTTOM LINE
You name it, and ASPCA pet insurance probably covers it — including dental illnesses, behavioral issues, alternative treatments, prescription food and even microchipping. Unlike some other pet insurers, it also includes coverage for accident or illness exam fees. If you want less coverage and a lower rate, you can opt for an accident-only policy. If you want even more coverage, you can add a preventive care plan to pay for services like dental cleaning, heartworm tests and vaccinations. The company offers pet insurance not only for dogs and cats but also for horses.
NerdWallet rating 

4.0

/5
Lemonade Pet Insurance - SEM
SEE DETAILS

on Lemonade's website

Annual max coverage

$100,000

Reimbursement rates

70%, 80%, 90%

Deductibles

$100 - $750

Policy highlight

Pays some claims almost immediately.

PROS
✓ Quick claims processing.
✓ Multipolicy and pay-in-full discounts available.
✓ Donates a portion of premiums to nonprofit organizations.
CONS
- Not available in all states.
- Physical therapy, acupuncture and chiropractic care cost extra.
THE BOTTOM LINE
Lemonade boasts a seamless online experience and quick claims, but its default coverage is more limited than some other plans.
Frequently Asked Questions