Reviewed by Dr. Tiffany Delacruz, DVM • Updated 2026

Pet insurance, honestly compared

Side-by-side comparisons of the major pet insurance providers — what each actually covers, real pricing, and how to pair them with RexVet's $120/yr Family Plan for the lowest total cost.

See the Family Plan — $120/yr

Quick context: RexVet is NOT pet insurance — it's a 501(c)(3) non-profit telehealth service. These comparisons help you decide whether you need insurance, RexVet, or both. (Honest answer for most pet parents: both, used differently.)

Start here

Pet insurance vs RexVet — which do you actually need?

A plain-English guide to deciding between insurance, telehealth, or both — including realistic cost scenarios for households on tight budgets. →

Compare each provider

7 major pet insurance providers compared honestly.

Trupanion

Founded 2000 • Accident & Illness

Trupanion is a premium pet insurance provider known for paying vets directly at the time of visit and offering 90% reimbursement with no payout caps.

Dogs: $60-$200/mo Compare →

Healthy Paws

Founded 2009 • Accident & Illness

Healthy Paws is one of the most-recommended pet insurance providers, known for fast claims processing and unlimited annual coverage on accident & illness.

Dogs: $35-$150/mo Compare →

Lemonade Pet Insurance

Founded 2015 • Wellness Add-on Available

Lemonade is a tech-forward pet insurance built on instant AI-driven claims, lower premiums, and wellness add-ons. Strong choice for first-time insurance buyers.

Dogs: $20-$80/mo Compare →

Spot Pet Insurance

Founded 2019 • Wellness Add-on Available

Spot Pet Insurance is a flexible newer provider known for customizable coverage, wellness add-ons, and partnerships with major pet brands like Cesar Millan.

Dogs: $25-$100/mo Compare →

ASPCA Pet Health Insurance

Founded 2006 • Wellness Add-on Available

ASPCA Pet Health Insurance is a long-running provider offering flexible accident & illness coverage with optional wellness add-ons.

Dogs: $30-$100/mo Compare →

Embrace Pet Insurance

Founded 2003 • Wellness Add-on Available

Embrace is a mid-tier pet insurance provider known for diminishing deductibles (rewards you for not filing claims), wellness rewards, and curable pre-existing conditions coverage.

Dogs: $30-$110/mo Compare →

Nationwide Pet Insurance

Founded 1982 • Wellness Add-on Available

Nationwide is the oldest pet insurance provider in the U.S. — and one of the few that covers EXOTIC pets like birds, reptiles, and small mammals in addition to dogs and cats.

Dogs: $35-$130/mo Compare →

Skip the wellness add-on. Use RexVet for routine.

Most pet insurance wellness add-ons cost $15-30/mo and cover $250-450 of routine care per year. RexVet's Family Plan is $10/mo and covers unlimited consultations and messaging.

See the Family Plan

Reviewed by Dr. Tiffany Delacruz, DVM

These comparisons are editorial commentary, not insurance advice. Always get a personal quote from any insurer before deciding.