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.
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.
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.
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.
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.
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.
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.
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.
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 PlanReviewed by Dr. Tiffany Delacruz, DVM
These comparisons are editorial commentary, not insurance advice. Always get a personal quote from any insurer before deciding.
Last reviewed: 2026-06-03 by Dr. Tiffany Delacruz, DVM.
Get care for your pet in Florida, New York, or Virginia
$64.99 video visit with a licensed vet — same-day prescriptions and RexVetRx delivery in the states we serve.
Florida Online Vet
Licensed FL vet by video — $64.99 visits, RexVetRx delivery.
New York Online Vet
Licensed NY vet by video — for all 5 boroughs and upstate.
Virginia Online Vet
Licensed VA vet by video — Hampton Roads, NoVA, Richmond.
Family Plan — $120/yr
4 visits + unlimited messaging for every pet in your home.
Browse more RexVet guides
Reviewed by Dr. Tiffany Delacruz, DVM — written for pet parents in Florida, New York, and Virginia.
Online Vet (Overview)
How an online vet visit works and what we treat.
Online Vet by City
FL, NY, and VA city-level vet care landers (89 cities).
Online Pet Prescriptions
Same-day Rx, delivery, and local-pharmacy pickup.
Pet Medications A–Z
Reference guide to common dog & cat medications.
Medication Dosage by Weight
Dosage guides for top drugs across 6 dog and 4 cat weight classes.
Breed Health Guides
Diagnosed conditions in 21 dog and 10 cat breeds.
Symptoms by Breed
Symptom guides for top dog breeds.
Symptoms by City
Dog & cat symptom guides for 24 top FL/NY/VA cities.
Symptoms by State
FL/NY/VA-specific symptom guides — climate triggers, common causes, telehealth fit.
Breeds by State
Top 10 dog breeds × FL/NY/VA — state-specific health risks and care plans.
Breeds by City
Hyper-local breed care guides for the top FL/NY/VA cities — same-day delivery in your ZIP.
Cat Breeds by City
Feline breed-specific care guides for FL/NY/VA cities — no carrier stress.
Conditions by State
Chronic condition management for FL/NY/VA pets — arthritis, allergies, kidney, diabetes, anxiety, and more.
Conditions by City
Hyper-local chronic condition guides for the top FL/NY/VA cities — same-day delivery in your ZIP.
2026 Pet Care Costs
What pet care actually costs, by procedure & state.
Online vs In-Person Cost
Real cost comparison for 10 common vet scenarios across FL/NY/VA.
Online Vet Near Me
How licensed-by-state telehealth actually works for FL, NY, VA pet parents.
Online Vet for Dogs
Licensed video visits, prescriptions, and chronic care for dogs.
Online Vet for Cats
Carrier-free feline care with licensed cat-savvy veterinarians.
Pet Health Library
Vet-authored guides on seasonal pet hazards, anxiety, and emergencies.
Pet Health Glossary
Plain-English definitions for 32 common vet medicine terms.
Pet Emergencies
Toxic foods, plants, heatstroke, fireworks anxiety — what to do right now + Pet Poison Helpline numbers.
Pet Emergencies by City
Immediate-action guides for poisoning, trauma, bloat, urinary blockage, breathing distress — FL/NY/VA cities.
Vet-Built Tools & Calculators
Dog age, pet weight, vaccine schedule, and calorie calculators — all vet-reviewed.
Online Vet by State
Where RexVet is licensed across all 50 U.S. states — served, roadmap, watchlist.