Best Pet Insurance for Surgery

Lemonade ranks highest in our review of pet insurance plans that cover surgery. It performs well in both pricing and customer satisfaction. The company offers annual limits up to $100,000 and handles claims quickly through its digital system, which is helpful if you're worried about surgery expenses. 

The main drawbacks are that pets must be younger than 14 to enroll, and the plan is only available in 41 states.

It places first for dog insurance affordability and second for cat insurance affordability in our analysis of providers with surgery coverage. Monthly premiums run from $9 to $101, depending on your pet’s type, age and coverage selections.

The company ranks third for customer experience in our study. It has a 4.2 out of 5.0 rating on Trustpilot and shows a 72% positive sentiment on Reddit, with 23 of 32 comments reflecting positive experiences.

Lemonade provides accident-and-illness policies with annual limits starting at $5,000 and going up to $100,000. Deductibles range from $100 to $750, and reimbursement levels fall between 60% and 90%. Surgery is covered after a 30-day waiting period for orthopedic conditions and 14 days for other illnesses.

Coverage includes diagnostics, procedures and medications. Pets must be under 14 years old at enrollment, and pre-existing non-chronic conditions are only eligible if your pet stays symptom-free and treatment-free for 12 months.

Pet owners facing surgical expenses can expect outstanding customer service with Rainwalk, which earns the top customer experience ranking in our study, with hassle-free reimbursements processed within days. Although Rainwalk isn’t as affordable as other providers and is limited to 45 states, it stands out by covering previously treated conditions if your pet remains symptom-free for 180 consecutive days, plus it includes 24/7 virtual vet visits at no extra cost.

Monthly premiums from Rainwalk range between $11 and $128, with the company ranking 10th for dog insurance affordability and eighth for cat insurance affordability in our analysis. Costs vary based on your chosen annual limit, deductible and reimbursement rate, so review the table below to find rates that fit your budget and coverage needs.

Rainwalk delivers the best customer experience among pet insurance companies with surgery coverage in our study. It maintains a high rating of 4.7 out of 5.0 on Trustpilot for its fast claims processing and responsive customer support. The company also has 71% positive sentiment on Reddit, based on the seven comments we analyzed.

Rainwalk provides accident and illness coverage with $5,000 to $20,000 annual limits, $100 to $750 deductibles and 70% to 90% reimbursement rates. The 14-day waiting period for accidents and illnesses applies to surgical procedures, with curable pre-existing conditions eligible for coverage if your pet stays symptom-free for 180 consecutive days. Policies are only available in 45 states, but there's no upper age limit for enrollment, making Rainwalk accessible for older pets needing surgical care.

AKC provides the best coverage options and terms among pet insurance companies that reimburse surgery costs. It ranks first in our coverage analysis. Surgery is covered after a two-day waiting period for accidents and both curable and incurable pre-existing conditions become eligible after 365 days of continuous enrollment. 

The downsides are the lower maximum annual limits compared to other providers and the higher monthly premiums.

In our review, AKC ranks ninth for both dog and cat insurance affordability. Monthly premiums range from $14 to $235 depending on your coverage limit, deductible and reimbursement rate.

It places third for customer experience in our study. Reddit feedback is mostly positive, with 86% of the seven comments we reviewed sharing good experiences. Its Trustpilot rating is 3.2 out of 5.0, showing that some customers see room for improvement, though many still appreciate the company’s broad coverage and helpful claims support.

The company offers accident-and-illness plans with annual limits from $2,500 to $10,000, deductibles between $100 and $1,000 and reimbursement levels from 70% to 90%. 

Surgery related to accidents is covered after a two-day wait, with a 14-day wait for illnesses. Cruciate ligament and IVDD surgeries have a longer 180-day waiting period. 

AKC also covers pre-existing conditions after a full year of continuous enrollment, and optional hereditary and breeding add-ons offer extra flexibility for pets of any age needing surgical care.