Article
10 Best Pet Insurance Companies in 2025
Protect your furry family members with the best pet insurance of 2025. Compare coverage for dogs, cats, and exotic pets from top-rated providers with comprehensive accident and illness plans.
Pet insurance protects you from unexpected veterinary bills that can reach thousands of dollars. With the right policy, you can focus on your pet’s health without financial stress.
Our team analyzed over 30 pet insurance providers, comparing coverage options, pricing, claims processes, and customer experiences. Here are the 10 best pet insurance companies for 2025.
Quick Comparison
| Provider | Best For | Monthly Premium | Rating |
|---|---|---|---|
| 1. Embrace Pet Insurance | Best Overall | $25-$70 | ★4.9/5 |
| 2. Healthy Paws | Best for Unlimited Coverage | $30-$85 | ★4.8/5 |
| 3. Lemonade Pet | Best Value | $10-$50 | ★4.8/5 |
| 4. ASPCA Pet Health Insurance | Best for Multiple Pets | $20-$65 | ★4.7/5 |
| 5. Pumpkin Pet Insurance | Best for Preventive Care | $30-$80 | ★4.7/5 |
| 6. Pets Best | Best for Customization | $20-$60 | ★4.6/5 |
| 7. Nationwide Pet Insurance | Best for Exotic Pets | $35-$90 | ★4.5/5 |
| 8. Trupanion | Best for Direct Vet Payment | $40-$100 | ★4.5/5 |
| 9. Fetch by The Dodo | Best for Comprehensive Coverage | $25-$70 | ★4.4/5 |
| 10. Spot Pet Insurance | Best for Older Pets | $20-$65 | ★4.4/5 |
Our Top Picks in Detail
Embrace Pet Insurance
Embrace stands out with their unique diminishing deductible that decreases by $50 each year you don't file a claim, plus a wellness rewards program that reimburses routine care.
Pros
- ✓Wellness rewards program included
- ✓Diminishing deductible feature
- ✓Covers exam fees
- ✓No upper age limits
- ✓Alternative therapy coverage
Cons
- ✗Doesn't cover pre-existing conditions
- ✗Higher premiums for older pets
- ✗Waiting periods apply
Healthy Paws
Healthy Paws offers unlimited lifetime coverage with no caps on payouts. Their claims process averages just 2 days, and they've donated over $2 million to homeless pets.
Pros
- ✓No annual or lifetime limits
- ✓Fast claims processing (2 days avg)
- ✓Straightforward pricing
- ✓Covers hereditary conditions
- ✓Simple policy structure
Cons
- ✗No wellness coverage
- ✗No exam fee coverage
- ✗Can't change deductible later
Lemonade Pet
Lemonade disrupts pet insurance with tech-driven efficiency, offering some of the lowest premiums in the industry while still providing comprehensive coverage options.
Pros
- ✓Very affordable premiums
- ✓AI-powered instant quotes
- ✓Easy app-based claims
- ✓Charitable giveback program
- ✓Optional wellness packages
Cons
- ✗Newer to pet insurance
- ✗Physical therapy add-on only
- ✗Some breed restrictions
ASPCA Pet Health Insurance
The ASPCA-branded insurance offers solid coverage with notable multi-pet discounts. A portion of premiums supports the ASPCA's animal welfare mission.
Pros
- ✓10% multi-pet discount
- ✓Covers behavioral therapy
- ✓Microchip coverage included
- ✓No upper age limits
- ✓Supports ASPCA mission
Cons
- ✗Not directly run by ASPCA
- ✗Some exclusions apply
- ✗Claims processing varies
Pumpkin Pet Insurance
Pumpkin offers industry-leading 90% reimbursement as standard, plus one of the best preventive care packages available for vaccines, dental cleanings, and wellness exams.
Pros
- ✓90% reimbursement standard
- ✓Excellent preventive care add-on
- ✓Covers exam fees
- ✓Dental illness covered
- ✓No breed exclusions
Cons
- ✗Higher base premiums
- ✗Wellness costs extra
- ✗Newer company
Pets Best
Founded by a veterinarian, Pets Best offers exceptional customization with deductibles as low as $50 and multiple reimbursement levels to fit any budget.
Pros
- ✓Highly customizable plans
- ✓Routine care add-ons
- ✓Founded by veterinarian
- ✓Short accident waiting period
- ✓Direct vet payment option
Cons
- ✗Some conditions excluded
- ✗Price increases with age
- ✗Waiting periods vary by state
Nationwide Pet Insurance
Nationwide is the only major insurer covering exotic pets like birds, reptiles, and small mammals, plus they offer employer-sponsored group discounts.
Pros
- ✓Covers exotic pets (birds, reptiles)
- ✓Wellness plans available
- ✓Employer discount programs
- ✓Large veterinary network
- ✓Long industry experience
Cons
- ✗Higher premiums
- ✗Benefit schedule limits some reimbursements
- ✗More complex policy options
Trupanion
Trupanion's direct vet payment means you don't pay out of pocket—they pay the vet directly. Their per-condition deductible (not annual) benefits pets with chronic conditions.
Pros
- ✓Direct payment to vets
- ✓90% reimbursement standard
- ✓No payout limits per condition
- ✓One deductible per condition
- ✓Short 5-day waiting period
Cons
- ✗Higher monthly premiums
- ✗No wellness coverage
- ✗One deductible option chosen at enrollment
Fetch by The Dodo
Formerly Petplan, Fetch offers one of the most comprehensive coverage scopes including behavioral therapy, physical therapy, and even some cosmetic procedures.
Pros
- ✓Broad coverage scope
- ✓Behavioral therapy included
- ✓Covers cosmetic procedures
- ✓Virtual vet included
- ✓No breed restrictions
Cons
- ✗Limited deductible options
- ✗No wellness plans
- ✗Longer waiting period
Spot Pet Insurance
Spot welcomes pets of any age with no enrollment limits, making them a strong choice for adopting or insuring senior pets when other companies won't.
Pros
- ✓No upper age limit
- ✓Covers dental illness
- ✓30-day money-back guarantee
- ✓Optional wellness coverage
- ✓Multiple discount options
Cons
- ✗Higher rates for senior pets
- ✗Pre-existing exclusions
- ✗Newer company track record
How We Evaluate Pet Insurance
Our evaluation methodology:
Coverage Analysis
- Accident and illness coverage scope
- Hereditary and congenital conditions
- Chronic condition coverage
- Wellness and preventive options
Cost Evaluation
- Premium pricing across ages/breeds
- Deductible flexibility
- Reimbursement percentages
- Annual and lifetime limits
Claims Experience
- Processing speed
- Reimbursement accuracy
- Customer service quality
- Mobile app functionality
Frequently Asked Questions
Is pet insurance worth it?
Pet insurance can save thousands on unexpected vet bills. The average emergency surgery costs $2,000-$5,000, while cancer treatment can exceed $10,000. Insurance provides peace of mind and prevents financial stress during emergencies.
When should I get pet insurance?
Insure your pet as young as possible—puppies and kittens qualify for lower rates, and you’ll avoid pre-existing condition exclusions. Most pets can be insured starting at 8 weeks old.
What does pet insurance typically cover?
Standard policies cover accidents (injuries, emergencies) and illnesses (infections, cancer, chronic conditions). Optional add-ons include wellness care, dental, and behavioral therapy.
Are pre-existing conditions covered?
Generally no—conditions that existed before enrollment are excluded. Some insurers cover curable conditions after a symptom-free period, but chronic conditions are permanently excluded.
How do deductibles work?
Most pet insurance uses annual deductibles—you pay this amount each year before coverage kicks in. Some insurers like Trupanion use per-condition deductibles instead.
Can I use any vet?
Yes! Unlike human insurance, pet insurance typically allows you to use any licensed veterinarian, including specialists and emergency clinics.