Accident & illness coverage that pays up to 100% back, includes vet exam fees, and offers $0 deductible and unlimited payout options — with wellness, dental, and behavioral built in on higher tiers.
Prices shown are starting monthly rates. Your final quote is provided after a completed application, based on the coverage you select and applicable underwriting factors (such as property, location, age, or pet details). Coverage is subject to eligibility, underwriting, and state availability.
Real coverage, without the gotchas the big carriers bury in the fine print.
The exam charge on a covered sick visit is reimbursed on every tier — a fee several big insurers exclude.
Get 80% to 100% of covered vet bills back, with reimbursement rising by tier and 100% on MyPet IV.
MyPet III and IV remove the annual cap entirely, so a major illness or surgery isn't limited by a yearly ceiling.
Routine care, vaccines, and dental cleanings are included on higher tiers — coverage most insurers sell only as a paid add-on.
Comparing options? See our guide to the best pet insurance plans of 2026.
Real side-by-side breakdowns on price, coverage, and where each one wins.
Healthy Paws excludes vet exam fees and has no wellness option; MyPet includes exam fees and adds wellness.
Trupanion is among the priciest with no wellness; MyPet starts at $15/mo and builds wellness into higher tiers.
Lemonade has no unlimited plan; MyPet III and IV remove the annual cap entirely.
Coverage built on the strength of your RMO membership.
We reimburse the vet exam fee on covered visits — a charge Healthy Paws and some others leave out of the base plan.
MyPet III and IV pay with no annual limit, so a $12,000 surgery year is still covered in full at your reimbursement rate.
Routine and preventive care is built into the higher tiers instead of sold as a separate wellness rider.
MyPet covers accidents and illnesses — injuries, infections, cancer, chronic conditions, surgeries, diagnostics, and more — and includes vet exam fees on covered visits. Higher tiers add dental, behavioral, alternative therapies, prescriptions, and routine wellness care.
MyPet starts at $15/month for Essential, $29 for Plus, $45 for Premier, and $65 for Total. Final premium varies by your pet's species, breed, and age; all plans require an active RMO membership.
Yes, on every tier. The exam charge on a covered sick or emergency visit is reimbursed — a fee some major insurers exclude from their base policy.
MyPet I and II have annual limits of $5,000 and $10,000. MyPet III and IV have unlimited annual payouts, so there's no ceiling on covered claims in a year.
Yes, on MyPet III and IV — vaccines, annual checkups, and dental cleanings are included rather than sold as a separate add-on.
After your deductible, MyPet reimburses a percentage of your covered vet bill: 80% on Essential, 90% on Plus and Premier, and 100% on Total. Pay your vet, file in the app, get paid back.
MyPet includes exam fees, offers unlimited payouts, and builds wellness into higher tiers. See the head-to-heads at /personal/security/pet-insurance/compare/healthy-paws/, /trupanion/, and /lemonade/.
