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 9 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
AKC, ASPCA, Figo, Pumpkin, Spot & 24Pet
Underwritten by Independence American Insurance Company
82%of claims paid
163,532 reported claims · 8 years of data
Poor
6 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
Fetch
Underwritten by AXIS Insurance Company
66%of claims paid
73,558 reported claims · 10 years of data
MetLife Pet - Exotic
Underwritten by Metropolitan General Insurance Company
64%of claims paid
138,264 reported claims · 3 years of data
MetLife Pet
Underwritten by Metropolitan General Insurance Company
64%of claims paid
242,104 reported claims · 4 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
Claim payment data is not available in all states and may vary by state and underwriter.
