🐾 Pet Insurance Finder

Best pet insurance for a tight budget in the US

Lower premiums usually mean a lower limit, a higher deductible or fewer extras. This ranking favours budget-priced accident & illness plans.

Ranked with the same filters and weighted scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 · Pets Best

BestBenefit Accident & Illness

Highly adjustable accident & illness coverage — reimbursement from 50% to 90%, deductibles from $50 to $2,000 and an unlimited option.

$ BudgetAccident & illness
Reimburses
50/60/70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
3 days
Illness wait
14 days
  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Rehab, acupuncture and chiropractic care must be added at enrollment
  • ! 6-month wait for cruciate ligament conditions
  • ! Prescription coverage is limited to Pets Best's formulary
Full Pets Best details →

#2 · Lemonade

Pet Health Insurance

A low-cost accident & illness base plan with high limits — exam fees, dental illness and therapy are add-ons you pick.

$ BudgetAccident & illness
Reimburses
70/80/90%
Annual limit
$100,000
Deductible
Annual
Exam fees
Add-on
Accident wait
2 days
Illness wait
14 days

Sample monthly cost

from $10 — Starting priceLemonade marketing floor; pet profile not stated.

  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Exam fees, dental illness and physical therapy cost extra
  • ! Not sold in every state (unavailable in AK, ID, KS, SD, VT, WV and WY at last check)
  • ! Has an enrollment age limit it doesn't publish — older pets may be declined
Full Lemonade details →

#3 · Odie

Illness & Injury

Budget-friendly illness & injury coverage with limits up to $40,000 and optional routine care. Took over ManyPets' US customers.

$ BudgetAccident & illness
Reimburses
70/90%
Annual limit
$40,000
Deductible
Annual
Exam fees
Covered
Accident wait
3 days
Illness wait
14 days
  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Terms, age limits (none, or under 14) and options depend on which carrier writes your policy
  • ! Not sold in every state — check availability
  • ! Pre-existing conditions are never covered
Full Odie details →

#4 · Kanguro

Essential Care

Bilingual (English/Spanish) accident & illness coverage with limits up to unlimited, sold in 26 states plus DC.

$ BudgetAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days

Sample monthly cost

from $35 (dogs) / $15 (cats) — Starting priceKanguro marketing floor.

  • ✓ Monthly cost: Priced budget-friendly, matching your budget priority.
  • ! Only sold in 26 states plus DC
  • ! No coverage for pets 14 or older
  • ! 14-day waiting period for accidents too
Full Kanguro details →

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