Top 5 Pet Insurance Companies to Compare Before 2027

Veterinary expenses can become expensive when pets need emergency treatment, surgery or ongoing care for an illness. Pet insurance can help owners manage eligible veterinary bills and prepare for unexpected medical expenses.

Before 2027, pet owners in the United States can compare several insurers offering accident-and-illness coverage. The following five companies stand out in recent 2026 insurance comparisons for their coverage options, plan flexibility and additional benefits.

1. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is worth comparing if you want a policy with a broad range of covered conditions. Its accident-and-illness plans can cover eligible injuries, illnesses, diagnostic testing, surgery, prescription medications and certain hereditary conditions.

Features to compare:

• Reimbursement options of 70%, 80% or 90%.
• Deductible options vary by policy.
• Annual coverage limits vary by plan and state.
• Coverage may include behavioral issues and certain alternative therapies.
• No upper age limit for enrollment.

ASPCA also offers preventive-care options for routine expenses. Check the policy's waiting periods and treatment exclusions before enrolling.

2. Pets Best

Pets Best offers accident-only, accident-and-illness and wellness plan options. Its accident-and-illness coverage can help with eligible veterinary expenses related to injuries and unexpected diseases.

Features to compare:

• Reimbursement options of 70%, 80% or 90%.
• Deductibles starting at $50 on available plans.
• Annual coverage options include $5,000 and unlimited.
• Optional wellness coverage.
• A direct-veterinarian payment option may be available, subject to requirements.

Pets Best may be worth examining if you want flexibility in deductibles and the possibility of having the insurer pay an eligible veterinarian directly.

3. Spot Pet Insurance

Spot offers customizable accident-and-illness insurance for dogs and cats. Eligible expenses can include emergency treatment, surgery, hospitalization, diagnostic testing, prescription medication and certain hereditary conditions.

Features to compare:

• Reimbursement options of 70%, 80% or 90%.
• Deductibles ranging from $100 to $1,000.
• Annual coverage limits ranging from $2,500 to unlimited.
• Optional preventive-care benefits.
• Coverage options for certain alternative treatments and prescription diets.

Spot may appeal to pet owners who want several choices for adjusting coverage limits and deductibles.

4. Lemonade Pet Insurance

Lemonade offers customizable accident-and-illness coverage for eligible pets. Its policies can help cover qualifying veterinary expenses involving accidents, infections, illnesses, diagnostic testing, surgery and prescription medication.

Features to compare:

• Reimbursement options of 70%, 80% or 90%.
• Deductible options of $100, $250 or $500 on commonly available plans.
• Annual coverage limits from $5,000 to $100,000, depending on the state and policy.
• Optional coverage for preventive care and additional treatments.
• Discounts may be available for eligible customers.

Lemonade is worth comparing if you want to customize your coverage and explore optional add-ons. Availability and policy features vary by state.

5. Pumpkin Pet Insurance

Pumpkin offers accident-and-illness coverage for eligible dogs and cats. Its plans can help pay for qualifying expenses related to accidents, illnesses, diagnostic tests, surgery, hospitalization and prescription medications.

Features to compare:

• Reimbursement options of 80% or 90%.
• Deductibles of $100, $250, $500 or $1,000.
• Annual coverage limits that may include $5,000, $7,000, $15,000 or unlimited.
• Coverage for certain hereditary and congenital conditions.
• Optional preventive-care packages.

Pumpkin is another option to consider if you want accident-and-illness coverage with additional preventive-care choices.

Comparison of the Top 5 Pet Insurance Companies

These are representative plan features, not guaranteed options in every state. Deductibles, limits and benefits depend on the selected policy.

How Much Does Pet Insurance Cost?

Pet insurance premiums vary according to your pet's age, breed, location, medical history and selected coverage.

For a general comparison, NerdWallet's 2026 sample quotes reported the following monthly prices for selected accident-and-illness plans:

These are sample prices from a particular comparison, not standard rates or guaranteed quotes. Your actual premium may differ considerably.

What Should You Check Before Buying Pet Insurance?

Before selecting a policy for 2027, compare these important details:

1. Accident and illness coverage: Confirm which injuries, diseases and treatments are included.
2. Annual coverage limit: Check the maximum amount the insurer will reimburse each year.
3. Deductible: Understand how much you must pay before reimbursement begins.
4. Reimbursement percentage: Compare how much of an eligible veterinary bill the insurer will pay.
5. Waiting periods: Check when accident and illness coverage becomes active.
6. Pre-existing conditions: Understand how the insurer defines and excludes previous medical conditions.
7. Claims process: Check whether you must pay the veterinarian upfront or whether direct payment is available.
8. Premium increases: Ask how premiums may change as your pet gets older.

Conclusion

ASPCA Pet Health Insurance, Pets Best, Spot, Lemonade and Pumpkin are five companies worth comparing before 2027. Each offers different accident-and-illness coverage options, reimbursement structures and additional benefits.

Rather than choosing based only on the advertised monthly premium, compare the policy limits, deductibles, exclusions, waiting periods and claims process. Getting personalized quotes from several providers can help you identify coverage that fits your pet's needs and your budget.

Disclaimer: Insurance availability, premiums, discounts and coverage terms vary by state and individual policy. Always review the policy documents before purchasing.