Pet insurance, made simple

Best in class: instant or same-day for straightforward claims. Lemonade pays roughly 40% of claims instantly; Healthy Paws often reimburses within a few business days of approval.
Typical: about 5–10 business days from submission to reimbursement (Figo aims for 7–10; Pets Best similar).
Slow: 2–4 weeks, sometimes longer for complex cases. Nationwide claims can run 14–30 days.

Hi, I'm Otto — your guide to US pet insurance, built on real claims, policy filings and payout data. I compare insurers across the whole market on the same evidence, show my reasoning so you can judge for yourself — and I'll tell you straight if insurance isn't the right call for you at all.

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For the record: Otto may have commercial relationships with some providers in the market. Either way, every insurer is assessed on the same evidence, and I show you the workings.