Raw annual limits, deductibles, hereditary coverage, dental, and cancer data for the 10 top U.S. pet insurance providers — all in one table. Updated 2026.
Sorted by estimated monthly cost. Click column headers to sort. Use filters above to narrow by coverage type.
| Provider | Monthly Est. ↕ | Annual Limit ↕ | Deductible | Reimburse % ↕ | Hereditary | Dental Illness | Cancer | Wellness | Illness Wait |
|---|---|---|---|---|---|---|---|---|---|
| Lemonade Petlemonade.com | $10 – $40 | $5k – $100k | $100 – $500 | 80 – 90% | ✓ Covered | ✓ Covered | ✓ Covered | + Add-on | 14 days |
| MetLife Petmetlife.com | $15 – $50 | Unlimited | $0 – $2,500 | 50 – 90% | ✓ Covered | ✓ Covered | ✓ Covered | + Add-on | 14 days |
| ASPCA Pet Healthaspcapetinsurance.com | $15 – $70 | $5k – Unlimited | $100 – $500 | 70 – 90% | ✓ Covered | ✓ Covered | ✓ Covered | + Add-on | 14 days |
| Spot Pet Insurancespotpetins.com | $18 – $60 | $2.5k – Unlimited | $100 – $1,000 | 70 – 90% | ✓ Covered | ✓ Covered | ✓ Covered | + Add-on | 14 days |
| Embrace Pet Insuranceembracepetinsurance.com | $20 – $80 | $5k – Unlimited | $100 – $1,000 | 70 – 90% | ✓ Covered | ✓ Covered | ✓ Covered | + Add-on | 14 days |
| Figo Pet Insurancefigopet.com | $20 – $65 | $5k – Unlimited | $100 – $750 | 70 – 100% | ✓ Covered | ✓ Covered | ✓ Covered | ✗ Not offered | 14 days |
| Healthy Pawshealthypawspetinsurance.com | $25 – $90 | Unlimited | $100 – $500 | 70 – 90% | ✓ Covered | ✗ Not covered | ✓ Covered | ✗ Not offered | 15 days |
| Nationwide Petpetinsurance.com | $25 – $75 | $5k – Unlimited | $250 | 50 – 90% | ✓ Covered | ✓ Covered | ✓ Covered | + Add-on | 14 days |
| Pumpkin Pet Insurancepumpkin.care | $25 – $75 | $10k – Unlimited | $100 – $500 | 90% | ✓ Covered | ✓ Covered | ✓ Covered | ✓ Included | 14 days |
| Trupaniontrupanion.com | $30 – $100 | Unlimited | $0 – $1,000 | 90% | ✓ Covered | ✓ Covered | ✓ Covered | ✗ Not offered | 30 days |
Included in base accident & illness plan
Excluded from all plans; cannot be added
Available as optional add-on for additional monthly cost
No annual cap on reimbursements
Understanding the 4 most important columns before you choose a plan.
This is the maximum the insurer will pay out in a single policy year. Unlimited is best for catastrophic conditions like cancer or emergency surgery. A $5,000 annual limit can be exhausted by a single orthopedic surgery in large breeds.
Breed-specific conditions like hip dysplasia (Labs, German Shepherds), heart disease (Cavalier King Charles Spaniels), and brachycephalic syndrome (Bulldogs, Pugs) are hereditary. Most providers cover them if you enroll before symptoms appear.
Dental disease affects over 80% of pets by age 3. Dental illness coverage includes periodontal disease, tooth extractions, and root canals. Healthy Paws is the only top-10 provider that does not include dental illness coverage.
After your deductible, the insurer reimburses this percentage of covered costs. 90% reimbursement means you pay 10% out-of-pocket after the deductible. Figo is the only provider offering 100% reimbursement (at higher monthly premiums).
French Bulldog? Golden Retriever? German Shepherd? Use our breed lookup tool to see which providers cover the hereditary conditions most common in your pet's breed.
Common questions about pet insurance coverage limits and exclusions.
Our breed lookup tool shows hereditary conditions by breed and which providers cover them — before you buy.
Try the Breed Lookup Tool