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Independent reviews from a licensed professional. Not marketing copy.
Our Top Pick for 2026
The best pet insurance,
according to the data
Our Verdict
Best for pet owners who want unlimited coverage backed by a top-rated underwriter. The lack of payout caps means you will never face a coverage ceiling during a catastrophic illness — a critical advantage that most competitors cannot match.
Healthy Paws Pet Insurance
Underwritten by Chubb (ACE American Insurance Company)
4.5/5 — Excellent
Coverage Limit
Unlimited
Monthly Premium
$25–$90
Reimbursement
70%, 80%, 90%
AM Best Rating
A+ (Superior)
Pros
- Truly unlimited lifetime payouts — no per-incident, annual, or lifetime caps
- Backed by Chubb, an A+ rated global insurer with $200B+ in assets
- Simple plan structure with no confusing tiers or add-ons
Cons
- —15-day waiting period for accidents (longest among major carriers)
- —No wellness or preventive care coverage available
- —No multi-pet discount offered
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Every breed has unique health risks that affect insurance costs. Our breed-specific guides help you understand exactly what to look for.
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Why Trust VETX
Insurance expertise,
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AAI, PRC, SBCS, CCIC professional designations
Data-Driven Analysis
We analyze AM Best ratings, claims ratios, and financial statements
Pet Owner First
Our recommendations prioritize your pet's coverage needs
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Our #1 rated carrier offers unlimited coverage with no payout caps, backed by Chubb's A+ financial strength.
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