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.
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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.
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.