Best Pet Insurance Companies of 2025
NerdWallet evaluated pet insurers across the United States to identify the best combination of coverage, financial strength, consumer experience, and plan options. The top-rated companies are:
- Pets Best: Best for dogs
- Spot: Best for cats
- ASPCA: Best for broad coverage
- MetLife: Best for discounts
- Embrace: Best flexible wellness plan
- Hartville: Best for straightforward waiting periods
Key Factors in Choosing Pet Insurance
When selecting a pet insurance policy, consider the following factors:
- Coverage: Look for comprehensive coverage that includes accidents, illnesses, and wellness care.
- Deductibles and Reimbursement Rates: Choose a policy with a deductible and reimbursement rate that fits your budget.
- Waiting Periods: Understand the waiting periods for different conditions, such as accidents, illnesses, and orthopedic issues.
- Pre-existing Conditions: Check if the insurer covers pre-existing conditions or has a waiting period for certain conditions.
- Wellness Plans: Consider adding a wellness plan for routine care, such as vaccinations and dental cleanings.
Comparison of Top Pet Insurance Companies
Sample Rates for Dogs and Cats
The following sample rates are for plans with a $250 deductible, $5,000 in annual coverage, and an 80% reimbursement rate:
- Dogs (Age 2): $32-$38/month
- Dogs (Age 8): $67-$86/month
- Cats (Age 2): $18-$20/month
- Cats (Age 8): $32-$37/month
Tips for Shopping for Pet Insurance
- Check Eligibility: Ensure your pet is eligible for coverage based on age, health, and other factors.
- Research Coverage: Understand what’s covered, including accidents, illnesses, and wellness care.
- Compare Quotes: Get quotes from multiple insurers to compare rates and coverage.
- Understand Reimbursements and Deductibles: Know how reimbursements work and choose a deductible that fits your budget.
- Check Waiting Periods: Understand the waiting periods for different conditions and plan accordingly.
By considering these factors and comparing quotes from top pet insurance companies, you can find the best coverage for your furry friend.
