Best Pet Insurance in 2026: Top Rated Pet Insurance Brands Compared

If you've ever gone to vet bill and thought, okay, how are we going to pay for this? You know how quickly unexpected vet costs can add up. A few months ago, we went to the vet for a regular checkup and it turned out that my dog needed surgery so that we can remove the mast cell tumor that she had, which was pretty pricey as you can imagine. It was a good reminder that pet insurance is something you need to think about before something unexpected happens because once a condition is considered pre-existing, it may not be covered. That's one of the reasons why pet insurance is something that a lot of pet parents look into. This video is sponsored by Fetch Pet Insurance and in this video I'm going to be breaking down the top five pet insurance providers, what to look for, what each one offers, and what I'd pay attention to before choosing a plan. When comparing pet insurance don't just look at the monthly premium. You also want to look at the deductible, reimbursement percentage, annual limit, waiting periods, dental coverage, exam fees, and what's actually included in the plan. Because the cheapest plan isn't necessarily the best value if it doesn't cover what you need. So let's get into the list. At number one we have fetch pet insurance. What really stands out about fetch pet is the amount of coverage in their standard plan. FetchPet covers injury and disease across all adult teeth and gums, including things like periodontal disease, extractions, root canals, and oral tumors, with up to 90% reimbursement. That's worth looking at because some competitors limit dental coverage or require add-ons, making your plan more expensive. FetchPet also includes exam fees in the standard plan, rather than making that an extra coverage option. Another benefit I found interesting is behavioral therapy. FetchPet offers 100% reimbursement up to $1,000 per year with no deductible or copay for that benefit. Plus, you can use FetchPet with any vet in the United States or Canada. So if you're looking for comprehensive coverage without adding a bunch of different types of add-ons, FetchPet insurance is definitely one that I'd consider. Number two, we have AKC insurance. One of the things that stands out about this one is the variety of coverage options. You can choose between accident and illness coverage and accident-only coverage and there are different options for deductibles, reimbursement, and annual limits. They also offer optional coverage for things like hereditary and congenital conditions, wellness care, and exam fees. But as with any plan, I'd make sure that you're comparing the total coverage, not just the monthly price. Number three, we have spot. Spot offers both accident only and accident and illness coverage with reimbursement options up to 90% and annual limits that can go up to unlimited depending on the plan. There's also options for things like behavioral modification, prescription diets, and other additional benefits. So with Spot, there's a lot of flexibility here. At number four, we have Embrace. They cover a wide variety of concerns including some dental disease and treatment issues. They offer telehealth through their platform and try to pay out claims within 10 days. With prescription coverage, FDA approved drugs are covered when needed and prescribed for covered conditions. And finally, number five is Trupanion. One of its biggest differences is that it doesn't have annual or lifetime payout limits. That could be especially appealing if you're worried about a major illness, surgery, or expensive ongoing treatment. Trupanion also offers 90% reimbursement and has a direct vet payment option with participating providers. The trade-off is that some benefits like exam fees and behavioral therapy aren't included in the same way as VetchPet's standard coverage. After comparing all these plans, my biggest takeaway is don't just choose one based on the monthly price. Look at the deductible reimbursement rate. Annual limit and most importantly what is actually covered. I'd also pay attention to dental care, exam fees, behavioral coverage, waiting periods, and pre-existing condition rules. These little details make a huge difference when you're actually needing to use your insurance plan. Overall fetch pet insurance stands out because of how much is included in its standard plan. From exam fees to dental coverage, behavioral therapy, and treatments like acupuncture and physical therapy. Of course, the best plan will depend on your pet, your budget, and the coverage that's most important to you. So make sure that you really compare all the details before choosing a plan. Thank you guys for watching today's video and I'll see you guys in the next one.