Best pet insurance companies of 2026
Summary
The article compares pet insurance prices and coverage using quotes gathered in September 2026 for pets in Los Angeles. Fetch had the lowest average monthly price for the sample dogs, while Embrace had the lowest for cats; the article says higher premiums do not necessarily mean higher annual coverage limits.Key Facts
- Average accident-and-illness premiums rose 11.5% for dogs and 12.6% for cats in 2025, according to NAPHIA.
- For the sample dogs, average monthly prices ranged from $45.34 with Fetch to $121.33 with MetLife.
- For the sample cats, average monthly prices ranged from $31.53 with Embrace to $54.68 with MetLife.
- MetLife was the most expensive option for both species in the comparison, and its highest annual limit available online was $10,000.
- All eight lowest-priced dog plans in the comparison offered unlimited annual coverage.
- Spot and ASPCA had identical quoted prices in the comparison.
- The quotes used accident-and-illness plans with a $500 deductible and 80% reimbursement, where those settings were available.
- Researchers gathered quotes from insurer websites and Pawlicy Advisor on September 16–17, 2026, for pets in Los Angeles ZIP code 90011.
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