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Open Paw
AI-matched quotes that find your pet the best price
Built by a former AI engineer from a leading pet insurance company, Open Paw uses smart, data-driven matching across providers to surface the best rate for your pet — not just the first one you find.
Enter your ZIP code below to see real, live quotes side by side — no forms, no phone calls.
Showing example rates. Enter your pet and ZIP code above for pricing that matches you.
Lemonade
$23.44/mo90% reimbursement · up to $20,000/yr- Lemonade has the best all-around pet insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
- Their user experience is world-class and it’s easy to get support from their award-winning customer service team
- Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
ASPCA
$39.56/mo90% reimbursement · up to $5,000/yr- ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer affordable “accident-only” plans in addition to their preventative care coverage
- ASPCA has insured more than 600,000 pets while processing more than 2.2 million claims
- Founded in 1997 and underwritten by Crum & Forster
Fetch
$49.12/mo90% reimbursement · up to $5,000/yr- Fetch makes it easy to use any licensed vet in the U.S. or Canada
- Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
- Protecting 400K+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
Embrace
$51.87/mo90% reimbursement · up to $5,000/yr- Embrace offers multi-pet discounts, exam fee coverage, and a free 24/7 pet helpline
- Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
- Founded in 2003 and underwritten by American Modern Insurance
Pumpkin
$54.26/mo90% reimbursement · up to $10,000/yr- Pumpkin has a great all-around pet insurance policy at competitive rates
- Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions can be covered at no extra cost
- Founded in 2020 and underwritten by either Independence American Insurance Company or United States Fire Insurance Company
Figo
$40.79/mo90% reimbursement · up to $5,000/yr- Figo offers users an amazing complimentary service to connect with vets via video chat 24/7
- They also have an easy-to-use pet records app and real time claims tracker
- Founded in 2013 and underwritten by Independence American Insurance Company
Trupanion
$106.53/mo90% reimbursement · up to Unlimited/yr- Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
- They are unique in that they offer “Vet Direct Pay” instead of reimbursements
- Founded in 1999 and underwritten by American Pet Insurance Company
Liberty Mutual
$49.32/mo90% reimbursement · up to $5,000/yr- Liberty Mutual makes it easy to save on pet insurance via bundling discounts
- They offer lifetime coverage which means your policy will not be automatically terminated due your pets age
- Founded in 1912 and underwritten by Liberty Mutual Holding Company
Odie
$30.38/mo90% reimbursement · up to $10,000/yr- Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
- They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit
- Founded in 2019 and underwritten by Trisura Insurance Company
AKC
$55.89/mo90% reimbursement · up to $5,000/yr- After a 365 day waiting period and continuous coverage, AKC may cover curable pre-existing conditions
- AKC offers a 24/7 Vet Helpline to speak directly with a vet professional about your pet's health
- Founded in 2003 and underwritten by Independence American Insurance Company