Pet owners know their companions are family. Ensuring their health with the right pet insurance plan is crucial. Evaluating waiting periods, coverage for pre-existing conditions, emergency care, and costs are all key. Here are our top picks for the best pet insurance companies in 2025.
Best Pet Insurance Companies
- Best for Waiting Periods: ASPCA Pet Insurance
- Best for Chronic Conditions: Trupanion Pet Insurance
- Best for 100% Reimbursement: Figo Pet Insurance
- Best for Exotic Pets: Nationwide Pet Insurance
- Best for Broad Coverage: Spot Pet Insurance
- Best for Pre-existing Conditions: AKC Pet Insurance
- Best for Unlimited Annual Coverage: Pumpkin Pet Insurance
- Best for Affordable Premiums: Lemonade Pet Insurance
Pets Best Pet Insurance
Pets Best offers comprehensive pet insurance plans. They have a strong rating and offer various perks:
- Offers pet insurance with unlimited coverage
- Offers deductibles from $50 to $1,000 annually
- Partners with major insurance companies
- Rates can be affordable for many pets
- Coverage available in all 50 states
Cons
- Alternative and holistic treatments may not be included in all plans.
- Customer reviews indicate longer claims processing times may occur.
Lemonade Pet Insurance
Lemonade offers various insurance products, including pet insurance. They are known for offering some of the lowest rates.
- 10% off bundling policies
- 5% off for multiple pets
- 5% off with annual payment plan
Pros
- Premiums can start at $12 for basic care
- Offers add-ons for preventative care
- Provides mobile app for claims and support
Cons
- Only available in some states
- Not all plans have 24/7 telehealth
Spot Pet Insurance
Spot provides comprehensive insurance and provides plan options including wellness plans.
Pros
- Up to 90% reimbursement
- Wellness and accident/illness plans available
- Available in all 50 states with comprehensive coverage options
- Coverage available for senior pets
Cons
- Pets must be at least 8 weeks old to qualify for coverage
- Does not provide exotic pet coverage.
ASPCA Pet Insurance: Best for Waiting Periods
The American Society for the Prevention of Cruelty to Animals (ASPCA) lends its name to pet health insurance with benefits. Coverage includes congenital conditions, alternative therapies, and behavioral issues. The policies offer a shorter waiting period for cruciate injuries, which is 14 days. Pets must be at least eight weeks old, with no upper age limit, making it beneficial for senior pets. Owners with multiple eligible pets get a 10% monthly discount. However, premiums can increase with age.
Trupanion Pet Insurance: Best for Chronic Conditions
Trupanion is a choice for flexible coverage and has plans without limits and lifetime, per-condition deductibles. Eligible customers can choose a $0 deductible, with 90% reimbursement, so in an emergency, only 10% of eligible vet bills are paid. Trupanion can pay vets directly, eliminating claims. Pets over 14 are ineligible, with a 30-day waiting period for illness. Add-ons cover boarding fees, behavioral and rehabilitative therapy, and damage caused by a pet.
Figo Pet Insurance: Best for 100% Reimbursement
Figo offers a 100% reimbursement option. Comprehensive pet insurance includes non-routine dental care, alternative treatments, and hereditary conditions. Preventative care can be added. This also includes a shorter one-day waiting period, with a 24-hour telehealth line, and the Pet Cloud app. Costco members receive a 15% discount.
Nationwide Pet Insurance: Best for Exotic Pets
Nationwide offers pet insurance plans. Coverage is available for dogs, cats, birds, and exotic pets. There are no age limits for pet coverage. Nationwide’s Whole Pet plan covers illnesses, accidents, and some hereditary and congenital conditions, while the Major Medical with Wellness plan covers wellness treatments but lacks hereditary and congenital condition coverage. Note that Nationwide has announced non-renewals for some policies, potentially signaling future financial uncertainty. However, it’s one of the only options for exotic pet owners.
Spot Pet Insurance: Best for Broad Coverage
Spot offers policies with many options. including accident and illness and accident-only plans. The accident and illness plan covers exam fees, end-of-life expenses, and prescription food. Unlimited annual coverage is available. Spot has pet insurance for accidents, illness, and wellness add-ons for dental cleanings. Spot pet insurance premiums are high in comparison with others on the list. Spot increases premiums annually based on the pet’s age.
AKC Pet Insurance: Best for Pre-Existing Conditions
AKC pet insurance is not just for registered purebred dogs. You can choose from a variety of add-ons. You’ll get 30 days of free coverage with your new pup if you register for an American Kennel Club membership. Pets nine years or older will only be eligible for accident coverage. You’ll also need to sign up your pet before their second birthday for hereditary or congenital concerns. AKC is unique because it covers both curable and incurable pre-existing conditions after a 12-month waiting period.
Pumpkin Pet Insurance: Best for Unlimited Annual Coverage
Pumpkin provides pet insurance with unlimited coverage. Pumpkin covers preventable diseases (excluding pre-existing conditions) such as Lyme or parvovirus. There is a 14-day waiting period for breeds with common hereditary conditions. This is for current and future treatment. Pumpkin offers a quick quote and may have fewer options. Policies also cover advanced treatments like behavioral therapy and acupuncture.
Lemonade Pet Insurance: Best for Affordable Premiums
Lemonade offers pet insurance with costs as low as $12 a month. Lemonade’s wellness plans offer coverage for wellness checks, preventative care, and additional accident and illness coverage. Bundling insurance with your car or rental can provide a 10% discount. 5% off for paying a full year’s premium and get another 5% discount per policy for two or more pets. Lemonade pet insurance is only available in some states.
How to Pick the Right Pet Insurance Plan For You
Comparing different providers is essential. Factors to assess: cost of premiums, amount of coverage, the waiting period, and reimbursement percentages. It is important to understand what is and isn’t covered. Many pet insurance policies do not cover routine vet care. Pet insurance companies don’t always define pre-existing conditions the same way. If your pet needs expensive surgery, you may receive a fraction of the cost.
Key Features of Top Pet Insurance Plans
Look for plans that provide as much coverage as possible. Comprehensive pet insurance will cover both accidents and illness, with some including preventive cares like wellness checkups. Check if a company includes prescription food coverage, end-of-live benefits, and congenital/hereditary condition coverage. A comprehensive policy may cost more than an accident-only plan but could make a difference if your pet needs care down the line.
Most plans let you customize coverage and your deductible. Depending on your financial situation, you can pay a lower monthly payment with a higher deductible or choose a lower deductible for higher premiums . Some policies have per-incident limits.
Cost Consideration for Pet Insurance
Cost is a primary consideration. The best pet insurance policy will save you money. You’ll want to find policies that cover the most costs. Accident-only coverage is often cheaper than comprehensive coverage. You can also opt for a policy that has preventative care coverage.
There are ways to save, such as opting for multi-pet insurance with discounts up to 10%. Some companies may allow you bundle your pet insurance with other policies.
Why You Should Trust Us: Criteria for Choosing the Best Pet Insurance
We reviewed 30 pet insurance providers. Factors considered: Plan coverage limits, Exclusions, Flexibility of policy (customizations), Policy pricing, Available add-ons, and Customer reviews.
We focused on companies that provided good coverage and customer service. We compared plan rates to ensure affordability.
FAQs
What is the best and affordable pet insurance?
Business Insider picked Lemonade as the best pet insurance for low-cost coverage.
How much does pet insurance cost?
Most pet insurance policies cost between $30 and $50 monthly, varying based on location, pet’s age/species, and policy type.
Do I need comprehensive pet insurance?
You don’t necessarily need comprehensive insurance, especially if on a budget.
Is it worth having pet insurance for a dog?
It’s usually worth having pet insurance for a dog to save on vet bills.
Is pet insurance effective immediately?
No, all providers have a waiting period, usually around 14 days.
