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Pet insurers: who pays your claims

Pet insurance lives or dies on whether the carrier actually pays when you file. We sort each plan we have data on by its claim-paid rate, the share of reported claims closed with a payment. This is one signal. It says nothing about price or what's covered, so treat it as a starting point, not the last word.

70% of reported pet claims closed with a payment across 10 plans

Good

2 carriers

Pays the large majority of reported claims — the carriers least likely to leave you fighting for a payout.

Trupanion
Underwritten by American Pet Insurance Company
82% of claims paid
215,575 reported claims · 12 years of data
ASPCA, Figo, Pumpkin, Spot & 24Pet
Underwritten by Independence American Insurance Company
82% of claims paid
163,532 reported claims · 8 years of data

Poor

7 carriers

Denies or sits on an outsized share of reported claims. Weigh the lower price against the odds your claim is paid.

Lemonade
Underwritten by Lemonade Insurance Company
72% of claims paid
84,452 reported claims · 3 years of data
Healthy Paws
Underwritten by WESTCHESTER FIRE INSURANCE COMPANY
68% of claims paid
313,769 reported claims · 10 years of data
Embrace
Underwritten by American Modern Home Insurance Company
67% of claims paid
126,224 reported claims · 12 years of data
Pumpkin
Underwritten by United States Fire Insurance Company
66% of claims paid
158,171 reported claims · 8 years of data
Fetch
Underwritten by AXIS Insurance Company
66% of claims paid
73,558 reported claims · 10 years of data
MetLife Pet
Underwritten by Metropolitan General Insurance Company
64% of claims paid
242,104 reported claims · 4 years of data
AKC
Underwritten by Independence American Insurance Company
62% of claims paid
11,627 reported claims · 6 years of data

Terrible

1 carrier

Pays fewer than half of reported claims — more denied or still unpaid than paid. A serious red flag.

Pets Best*
Underwritten by MS Transverse Insurance Company
34% of claims paid
20,842 reported claims · 2 years of data

* Pets Best is based on data from its current book. Old books closed to new customers have a higher claims paid rate: 72% (619,350 claims, 9 years).

Claim payment data is not available in all states and may vary by state and underwriter.