Pets Best
- Reimbursement: 70%, 80% or 90%
- Deductible from $50 up to $1,000 per year
- Annual limit: $5,000, $10,000 or unlimited
- Pets can enroll from 7 weeks, with no maximum age
Free quote. No obligation.
Compare pet insurance plans side by side
An unexpected vet visit can cost hundreds or thousands of dollars. See how three popular US providers compare on reimbursement, deductibles and waiting periods, then get free quotes for your dog or cat.
Compare plansLast reviewed: October 2026
Our top picks
Each provider is strong in a different area. Pick the one that fits your pet, then check the exact price with a free quote. Prices depend on your pet's age, breed and ZIP code.
Embrace
- Reimbursement: 70%, 80% or 90%
- Deductible drops by $50 for each year without a paid claim
- Wide range of annual limits, up to unlimited
- Enroll by age 14 to keep accident & illness coverage for life
Free quote. No obligation.
Fetch
- Reimbursement: 70%, 80% or 90%
- Deductible from $250 to $2,500 per year
- Sick-visit exam fees covered in the base plan
- Optional wellness add-on for routine care
Free quote. No obligation.
Side-by-side details
The key terms that change what you actually get back after a vet bill.
| Pets Best | Embrace | Fetch | |
|---|---|---|---|
| Reimbursement | 70% / 80% / 90% | 70% / 80% / 90% | 70% / 80% / 90% |
| Annual deductible | $50 – $1,000 | About $100 – $1,000, decreasing $50 per claim-free year | $250 – $2,500 |
| Annual limit | $5,000, $10,000 or unlimited | Several tiers up to unlimited | Several tiers up to unlimited |
| Accident waiting period | 3 days in most states | About 2 days in most states | Varies by state; check your policy |
| Illness waiting period | 14 days | 14 days | About 15 days |
| Orthopedic / knee waiting period | 6 months for cruciate ligament issues | 6 months for dogs; can be shortened with a vet exam | About 6 months; knee wait can be waived with an early vet exam |
| Age limits | From 7 weeks, no maximum | Enroll by 14 for accident & illness; 15+ accident-only | Check quote |
| Stand-out feature | No upper age limit | Diminishing deductible | Sick-visit exam fees covered |
Summarized from publicly available plan information and independent reviews, October 2026. Terms vary by state and change over time. Always confirm the details in your quote and policy documents before you enroll.
How to pick the right plan in 3 steps
Start with your pet's age
Older pets have fewer options. If your pet is a senior, look for providers without an upper age limit.
Choose your deductible
A higher deductible lowers your monthly premium but means you pay more before coverage kicks in.
Compare two or three quotes
The same pet can get very different prices. Quotes are free and take a few minutes.
Frequently asked questions
Does pet insurance cover pre-existing conditions?
Generally no. Conditions that appeared before coverage started, or during the waiting period, are usually excluded. Some providers, including Embrace, may cover curable conditions that haven't recurred for a set period. Check each policy.
How does reimbursement work?
You usually pay your vet first, then submit a claim. After your annual deductible is met, the insurer pays back your chosen percentage (for example 80%) of eligible costs, up to your annual limit.
When does coverage start?
Every plan has waiting periods: typically a few days for accidents and around two weeks for illnesses, with longer waits for some orthopedic conditions. Anything that starts during the waiting period is usually treated as pre-existing.
Is pet insurance worth it?
It depends on your budget and how you'd handle a large, unexpected vet bill. Insurance turns a possible bill of thousands of dollars into a predictable monthly cost. If you could comfortably pay a large bill from savings, you may need less coverage.
Does it cost more to get a quote through this site?
No. Quotes are free and the price is the same as going to the provider directly. We may receive a referral fee from the provider.
Ready to compare prices?
Get free quotes from two or three providers and pick the one that fits your pet and budget.
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