Pet insurance reimbursement rates: 70, 80 or 90%?
The share of each covered bill the insurer pays back after your deductible. What each insurer offers, and how to pick one.
Updated October 6, 2026. Plan facts come from each insurer's published documents; each insurer's policy documents control.
The short answer
Most insurers let you choose 70%, 80% or 90%: Embrace, Fetch, Lemonade, Pets Best and Spot all list those three. Odie offers 70% or 90% (accident-only plans are fixed at 90%), and Healthy Paws says its options run from 50% to 90%.
The rate is the share of each covered bill the insurer pays after your deductible; the rest is yours.
What will it cost for your dog?
Pick your breed, age and ZIP code to see the estimated monthly price from the insurers we compare.
Reimbursement options, by insurer
| Insurer | Reimbursement options | Notes |
|---|---|---|
| Embrace | 70%, 80%, or 90%[1] | Choose 70%, 80%, or 90% of covered vet bills back after the deductible; higher rate means higher premium. |
| Fetch | 70%, 80% or 90%[2] | Reimbursement rate is chosen when customizing the plan; options are 70%, 80% or 90%. |
| Healthy Paws | 50% to 90%[3] | Healthy Paws reimbursement rate options vary from 50-90% of eligible costs after the deductible. |
| Lemonade | 70%, 80%, or 90% co-insurance[4] | Policyholders choose a co-insurance level of 70%, 80%, or 90%; 80% is typical. |
| Odie | 70% or 90%; accident-only fixed 90%[5] | When quoting accident and illness insurance you select 70% or 90% reimbursement; accident-only plans have a fixed 90%. |
| Pets Best | 70%, 80% or 90%[6] | Pets Best reimburses your choice of up to 70%, 80% or 90% of the actual vet bill after the deductible. |
| Spot | 70%, 80% or 90%[7] | Spot offers 70%, 80% or 90% reimbursement on eligible vet bills, paid after the deductible is met. |
| Trupanion | Not verified yet | Trupanion's website blocks automated requests, so we could not check this against its policy yet. Ask Trupanion directly. |
From each insurer's own sample policy, terms or FAQ, checked October 6, 2026. Terms vary by state and plan, and the policy you buy controls.
Check how this applies to your breed
What this means for your dog
On a $4,000 covered bill with a $250 deductible already met, 90% reimbursement pays $3,600 and leaves you $400; 70% pays $2,800 and leaves you $1,200. The difference grows with the size of the bill, so it matters most for the expensive claims: cruciate surgery in a Labrador Retriever, cancer treatment in a Golden Retriever, or airway surgery in a French Bulldog.
A higher rate costs more each month. In our estimates the step from 80% to 90% raises the premium by about 15%, and dropping to 70% lowers it by about 12% (how we estimate). If you expect few claims, 70% or 80% with a moderate deductible keeps the price down; if one large bill would be hard to cover, 90% protects you more.
The rate works together with the deductible and the annual limit: the deductible comes off first, then the rate applies, then the annual limit caps the total. Deductibles by insurer and annual limits by insurer.
Before you buy
- Check which percentages the insurer offers in your state; options can differ by plan.
- Ask whether you can change the rate at renewal, and whether raising it means new exclusions.
- Compare the monthly price at 70%, 80% and 90% with the same deductible.
- Work out what you would pay on one large bill at each rate, not just the premium.
Questions owners ask
What does 80% reimbursement mean in pet insurance?
After you meet the deductible, the insurer pays 80% of each covered bill and you pay the other 20%, up to the annual limit.
Which pet insurers offer 90% reimbursement?
All seven insurers we could check offer 90%: Embrace, Fetch, Healthy Paws, Lemonade, Odie, Pets Best and Spot.
Is 90% reimbursement worth it?
It pays more on every claim but raises the premium. It is worth it if a large bill would be hard to pay; with few expected claims, 70% or 80% can cost less overall.
Does any pet insurance pay 100%?
None of the seven insurers we could check lists a 100% option; their highest published rate is 90%.
Sources
- Embrace Dog Insurance. Embrace Pet Insurance.
- Can I customize my pet insurance plan? | Fetch FAQs. Fetch.
- Pet Insurance Terms Explained | Healthy Paws. Healthy Paws.
- Co-insurance, explained (Lemonade). Lemonade, 2025.
- Help Center - Odie Pet Insurance. Odie Pet Insurance.
- Frequently Asked Questions | Pets Best. Pets Best Insurance Services.
- Compare Pet Insurance Providers. Spot Pet Insurance.
How we choose and check sources: Sources we use.
Get an email if prices for your breed change
We update our estimates monthly. We will email you when the estimate for your dog changes, and nothing else.