Is this a ranking of the best pet insurance?

No. Providers are listed alphabetically. Cells summarize publicly published attributes as of the retrieval date and are not recommendations.

Pet insurance comparison

Objective attributes only — no “best,” no affiliate links, no quote forms. Published starting prices appear only when the insurer states a from/as-low-as figure on a public page; otherwise the cell says “Get a quote.”

What pet insurance costs

[2024] U.S. weighted averages, NAPHIA State of the Industry 2025

Dogs: AO $193.29/yr–A&I $749.29/yr ≈ $16–62/mo
Cats: AO $110.03/yr–A&I $386.47/yr ≈ $9–32/mo

Actual premiums vary by age, breed, ZIP, and plan options; averages are not quotes.

Full citation pack: sources · pipeline INSURANCE_CITATIONS.md

Provider	Published starting price	Reimbursement	Deductible	Caps	Waiting periods	Exam fees	Sources
ASPCA Pet Health Insurance	Get a quote	70% / 80% / 90% options	Annual ($100 / $250 / $500 options)	Unlimited plan available (plus limited options)	Illness 14 days; accident 14 days (as published on ASPCA compare page)	Yes (marketed as covered)	source source as published 2026-07-29; verify with insurer
Embrace	Get a quote	See policy / quote	Annual (accident-only example $100)	Annual maximum selectable (accident-only example $5,000/yr)	See policy / quote	Policy-dependent — see terms	source source source as published 2026-07-29; verify with insurer
Fetch	Get a quote	Customize at quote — see policy	Customize at quote — see policy	Customize at quote — see policy	See policy (not fixed on homepage)	Sick-visit exam fees marketed as covered	source as published 2026-07-29; verify with insurer
Healthy Paws	Get a quote	Selectable % (examples often 90%)	Annual (examples $250 / $500)	Annual limit $5,000 / $7,000 / unlimited options	FAQ: 15 days after effective date; hip dysplasia 12 months if enrolled ≤5 yrs (state forms may differ)	See policy	source source as published 2026-07-29; verify with insurer
Lemonade Pet	From $10/mo as published 2026-07-29	Customizable (deductible + co-insurance)	Customizable	See policy / quote	Illnesses 14 days; orthopedic 30 days (FAQ on lemonade.com/pet)	See policy / customize	source source as published 2026-07-29; verify with insurer
Nationwide	Get a quote	Reimburses eligible expenses (see policy)	Annual deductible (landing page)	See policy / quote	See policy / quote	See policy / quote	source as published 2026-07-29; verify with insurer
Pets Best	Get a quote	Up to 90% (home marketing)	Annual deductible (footer disclaimer)	See policy / quote	Waiting periods apply — see policy	See policy	source as published 2026-07-29; verify with insurer

Actual premiums vary by age, breed, ZIP, and plan options; averages are not quotes. Published “from” prices are marketing floors, not typical quotes.