These plans pair accident & illness coverage with an option for exams, vaccines and dental cleanings.
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 · Embrace
Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.
#2 · Nationwide
Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.
Sample monthly cost
from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).
#3 · Pets Best
Highly adjustable accident & illness coverage — reimbursement from 50% to 90%, deductibles from $50 to $2,000 and an unlimited option.
#4 · Figo
Accident & illness coverage with up to 100% reimbursement, an unlimited tier and cover for cured pre-existing conditions.