🐾 Pet Insurance Finder

Best pet insurance for unlimited payouts in the US

If a long cancer treatment or repeat surgery is what worries you, the annual limit matters most. This ranking favours plans with no annual cap.

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 · Trupanion

Trupanion Policy

One plan that pays 90% of eligible vet costs with no payout caps — you choose a per-condition deductible paid once for life.

$$$ PremiumAccident & illnessDirect vet billing
Reimburses
90%
Annual limit
Unlimited
Deductible
Per condition
Exam fees
Not covered
Accident wait
5 days
Illness wait
30 days
  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Unlimited — no annual or lifetime payout cap.).
  • ! Vet exam fees are NOT reimbursed on any claim
  • ! Only one plan and one reimbursement rate (90%)
  • ! Pets must enroll before their 14th birthday
Full Trupanion details →

#2 · Healthy Paws

Accident & Illness Plan

A single accident & illness plan with an unlimited-payout option and alternative care built in — but no exam-fee coverage.

$$$ PremiumAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Not covered
Accident wait
15 days
Illness wait
15 days
  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Choose a $5,000, $7,000 or unlimited annual limit.).
  • ! Vet exam fees are NOT covered
  • ! Dental limited to accidental injuries
  • ! 15-day waiting period applies to accidents too
Full Healthy Paws details →

#3 · Embrace

Accident & Illness

Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
none
Illness wait
14 days
  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Choose your annual maximum, including an unlimited option. No lifetime or per-condition limits.).
  • ! 180-day exclusion for common orthopedic conditions in dogs
  • ! Pets 15 and older can only get accident-only coverage
  • ! Premiums rise over time with age
Full Embrace details →

#4 · 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
  • ✓ Annual coverage limit: Limit meets or exceeds what you wanted (Choose $2,500, $5,000, $10,000 or no annual limit.).
  • ! 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 →

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