Mixed Puppy 6mo·Lemonade·$22/mo80% / $500 ded—Golden Retriever 3yo·Healthy Paws·$58/mo80% / $250 ded—Indoor Cat 4yo·Pets Best·$18/mo80% / $500 ded—French Bulldog 2yo·Embrace·$89/mo80% / $500 ded—Senior Lab 10yo·Figo·$132/mo90% / $250 ded—Tabby Cat 7yo·Lemonade·$16/mo80% / $500 ded—Mixed Breed 1yo·ASPCA·$34/mo80% / $500 ded—Persian Cat 2yo·MetLife·$29/mo80% / $250 ded—Mixed Puppy 6mo·Lemonade·$22/mo80% / $500 ded—Golden Retriever 3yo·Healthy Paws·$58/mo80% / $250 ded—Indoor Cat 4yo·Pets Best·$18/mo80% / $500 ded—French Bulldog 2yo·Embrace·$89/mo80% / $500 ded—Senior Lab 10yo·Figo·$132/mo90% / $250 ded—Tabby Cat 7yo·Lemonade·$16/mo80% / $500 ded—Mixed Breed 1yo·ASPCA·$34/mo80% / $500 ded—Persian Cat 2yo·MetLife·$29/mo80% / $250 ded—Sample quotes · Indicative only · Your actual quote will differ

An independent guide

Pet insurance,
without the jargon.

Honest, research-backed reviews and comparisons of the providers actually worth considering. No fluffy filler. No fabricated statistics. Just what a thoughtful pet owner needs to pick a plan they won’t regret.

Read the pillar guide Compare top providers

What we cover in our reviews

Real pricing
·
Coverage caps
·
Waiting periods
·
Claim turnaround
·
Exclusions

What we publish

Three kinds of writing, one standard.

Everything on this site is human-written, source-linked, and updated when providers change their terms. Nothing is ghost-written by an AI and published without review.

Reviews

In-depth breakdowns of each provider: the real price ranges, what a claim actually looks like, the fine print most sites skip past.

Comparisons

Head-to-head matchups for the decisions owners actually face: Lemonade vs Healthy Paws, wellness add-ons vs standalone plans, and more.

Guides

Explainers on the vocabulary (deductibles, reimbursement %, riders), the common mistakes, and the scenarios pet insurance does and does not cover.

Pillar guide

The starter reference

Featured

Best Pet Insurance in 2026: honest reviews of the five top providers.

We looked at NAPHIA’s 2024 industry data, the 2026 expert reviews from U.S. News, Bankrate, NerdWallet and MoneyGeek, and the actual policy documents from each carrier. Then we wrote this so you don’t have to.

Lemonade, Healthy Paws, Embrace, Figo, Pets Best — reviewed in depth
Side-by-side pricing, reimbursement, waiting periods, caps
What each provider is good at — and where they fall short

Read the full guide

About this site

“I started Zero To Insurance because every pet insurance review I read sounded like it was trying to sell me something. This one doesn’t. If a provider is mediocre, I say so.”

— Marvin, founder. Based in the Netherlands, writing for a US and international audience. Read more about the author.