Reviewed By Insurance Agent

Lemonade hit the pet insurance market in July 2020 with a unique Artificial Intelligence (AI)-driven claims process and four solid years of providing reputable homeowners and renters insurance. For pet insurance, they offer affordable premiums, customizable policies, a wellness plan add-on, and a fast claims process they handle through their smartphone app. But does Lemonade provide all the coverage you’ll need for your pet? And how do they stack up against their competitors?

Nationwide pet insurance can be a little overwhelming to understand. It offers a more traditional type of pet insurance plan as well as one with a benefit schedule. Read below to unravel the complexities of these plans, get a better understanding of how it all works, and learn how it could benefit you.

Pets Best is consistently among the least expensive pet insurance providers when we run price quotes. But does paying less mean you’re getting the same coverage you would with a more expensive provider? Our experts dig in to find out the truth.

What does it mean when a company says it offers an annual deductible vs an incident deductible, and why does it matter? How does a deductible impact the overall amount of money that you’re responsible for paying? Your pet insurance plan’s deductible directly affects the amount of money you’re responsible for paying. We explain everything you need to know about deductibles so you feel more confident when you choose your pet insurance policy.

Just like health insurance, there are many companies and policies to choose from to insure your pet. How does Embrace stack up to its pet insurance competition? We dive deep with coverage details, plan options, claim processing information, and more.

Most are familiar with State Farm, a large U.S. insurance company that provides reliable home, auto, rental, and other policies. But did you know “State Farm is there” for our furry friends as well? State Farm pet insurance policies are offered through a partnership with Trupanion, a well-established pet insurance provider. State Farm Insurance for pets is identical to what Trupanion offers independently. Trupanion has one simple plan offering 90% reimbursements, no payout limits, fast claim processing, and vet-direct pay at participating clinics. Here, we’ll give you a brief overview of this plan’s other features, coverage, and cost. You can find more detailed information in our Trupanion Pet Insurance review.

Wagmo started out offering stand-alone pet wellness plans to customers but recently added the option for traditional pet insurance as well. It’s one of the few companies to offer both wellness and insurance coverage for your pet. You can purchase either of these policies individually or you can add a wellness plan to their pet insurance plan for an additional fee. Wagmo pet insurance isn’t available in all 50 states yet, but it has plans to keep growing. Find out if Wagmo prices are in line with the competition and if its coverage meets your needs.

Toto was founded in 2018 and offers accident and illness coverage for your furry family members. Plans are customizable with various deductible, reimbursement, and payout limit options. Toto is unique because it offers Final Respect coverage, an optional add-on that reimburses you up to $300 for the cost of necropsy (autopsy), cremation, and urns. Other pet insurance companies don’t offer coverage for these items. Toto doesn’t allow you to transfer the plan over to someone else if ownership of the pet changes. This is something that other competitors allow through their policies. Additionally, Toto may change your premium, coinsurance amount, annual deductible, and policy terms and conditions at renewal.