⭐ Pet Insurance Company Reviews (2026)
Last updated: November 6, 2026
Quick Answer
This page lists all 24 pet insurance reviews on PetInsuranceLab. Each review is research-based: we compare the insurer's published policy terms, sample quotes reported by third parties, and owner reviews. We do not buy policies or file claims ourselves. Eight of the brands below (Allstate, GEICO, State Farm, Costco, Sam's Club, Walmart, Chewy and Progressive) are sold under a retailer's or auto insurer's name but are issued or administered by another pet insurer, so check the table below before comparing them as separate companies.
Who Is Behind the Store- and Insurer-Branded Policies
| Brand you see | Policy actually comes from | Brand-specific extra |
|---|---|---|
| Allstate | Embrace | No confirmed bundle discount |
| GEICO | Embrace | 10% multi-pet discount |
| State Farm | Trupanion (administrator) | Sold through a State Farm agent |
| Costco | Figo | 15% member discount |
| Sam's Club | Spot | Up to 15% member discount (lower in some states) |
| Walmart | Nationwide | Pet Rx Express pharmacy perk |
| Chewy CarePlus | American Pet Insurance Co. (Trupanion affiliate) or Lemonade, assigned automatically | You cannot choose the insurer |
| Progressive | Pets Best (older plan) or Progressive's own plan (launched January 2026) | About 5% bundle discount for existing customers |
All Reviews A-Z
AKC Pet Insurance Review
The rare insurer that covers pre-existing conditions after a year — paired with premiums and reviews that run hot and cold
⭐ 4.0/5Allstate Pet Insurance Review
Embrace's real coverage and A+-rated underwriter, sold through Allstate with the full 10% multi-pet and 5% military discount stack — but no confirmed savings for bundling with your Allstate auto or home policy
⭐ REVIEWASPCA Pet Insurance Review
Complete Coverage plan, reimbursement levels, costs, waiting periods, and how it compares to Embrace, Spot and Lemonade
⭐ 4.0/5Chewy Pet Insurance Review
One brand, two insurers — and you don't get to pick which one you're assigned
⭐ 4.1/5Costco Pet Insurance Review
A genuine member discount on a real Figo policy — but the same claims reputation applies
⭐ 4.5/5Embrace Pet Insurance Review
Dental illness coverage, a deductible that shrinks every healthy year, and second chances for curable pre-existing conditions
⭐ REVIEWFetch Pet Insurance Review
One comprehensive plan: costs, coverage options, claims process and what owners report
⭐ 4.3/5Figo Pet Insurance Review
A digital-first insurer with a rare 100% reimbursement option and the Pet Cloud app
⭐ 4.0/5GEICO Pet Insurance Review
Embrace's real coverage and A+-rated underwriter, sold through GEICO with a 10% multi-pet discount — but no confirmed military discount and an unquantified "existing customer" perk
⭐ 4.3/5Healthy Paws Pet Insurance Review
A simple, unlimited-coverage plan that's hard to beat for catastrophic care — if you can live without exam-fee and wellness coverage
⭐ 3.6/5Kanguro Pet Insurance Review
A low-cost, fully bilingual accident & illness plan with a 2-day accident wait and exam fees included, held back by a short covered-conditions list and availability in only 26 states plus DC
⭐ REVIEWLemonade Pet Insurance Review
Low base prices with add-on packages, app-based claims, and where the coverage gaps are
⭐ 4.3/5MetLife Pet Insurance Review
No accident waiting period, a deductible that shrinks every claim-free year, and true multi-pet family plans
⭐ 3.8/5Nationwide Pet Insurance Review
The oldest and largest U.S. pet insurer — and the only major carrier that covers birds and exotics
⭐ 4.2/5Odie Pet Insurance Review
A budget-friendly accident & illness plan with enrollment up to age 14 and flexible customization — a strong value pick if low monthly premiums matter most
⭐ 4.5/5Pets Best Pet Insurance Review
One of the most affordable major insurers — with an unlimited option, Vet Direct Pay, and a 3-day accident waiting period
⭐ 3.5/5Progressive Pet Insurance Review
A 15-year-old Pets Best-administered policy, a brand-new Progressive-underwritten plan launched in January 2026, and a real 5% bundle discount if you already insure your car with Progressive
⭐ 4.4/5Prudent Pet Insurance Review
A flexible three-tier plan with an optional exam-fee rider and an unlimited Ultimate option — strong value if you want comprehensive coverage without paying premium-brand prices
⭐ 4.4/5Pumpkin Pet Insurance Review
A generous, no-fuss plan with exam fees and dental illness included and 80-90% reimbursement tiers
⭐ 4.0/5Sam's Club Pet Insurance Review
A real membership discount on a solid Spot policy — but the size of the discount depends on your state
⭐ 4.2/5Spot Pet Insurance Review
Comprehensive coverage with flexible deductibles and fast claims processing
⭐ 3.5/5State Farm Pet Insurance Review
Trupanion's per-condition lifetime deductible and 90% reimbursement, sold through a State Farm agent — with no confirmed bundle discount to justify the extra layer
⭐ REVIEWTrupanion Pet Insurance Review
Per-condition lifetime deductible, fixed 90% reimbursement and unlimited payout, and what that structure costs
⭐ 3.5/5Walmart Pet Insurance Review
No membership fee required, a genuinely unique pharmacy perk — but no confirmed price break over buying direct
Not sure where to start? Our best pet insurance comparison ranks the top plans side by side, and the pet insurance cost guide explains what drives your premium.
Disclaimer: Ratings and policy details reflect published information at the time each review was last updated. Terms, prices and availability vary by state; always confirm current terms in your own quote and policy documents.