Introduction
As pet owners, we love our furry friends like family, so it’s only natural to want the best for them—whether it’s the tastiest treats, the coziest beds, or the best care when they’re feeling under the weather. One of the most important things you can do for your pet’s well-being is to invest in pet health insurance.
But with so many options out there, how do you choose the right one? Don’t worry—we’re here to help! In this guide, we’ll break down the 10 best pet insurance companies for 2025, covering everything from what they offer to what’s missing. Whether you’re looking for the best pet health insurance for accidents, illnesses, or even routine care, we’ve got all the details to help you make the best choice for your pet and your budget.
The 10 Best Pet Insurance Companies for 2025
Finding the right pet insurance isn’t a standardized approach. You have to consider factors like premiums, coverage options, customer service, and whether or not they offer coverage for your pet’s specific needs. We’ve done the research for you and compiled the 10 best pet insurance companies, highlighting their unique features and how they stack up in the world of pet health insurance.
Healthy Paws Pet Insurance
Why It’s Great: Healthy Paws has earned its spot as one of the top pet insurance providers due to its comprehensive accident and illness coverage and its reputation for fast claims processing. With no annual or lifetime payout limits, you won’t have to worry about hitting a ceiling when your pet needs serious care. Plus, they offer a 90% reimbursement rate, which means less out-of-pocket spending for you.
What We Love:
- No annual or lifetime payout limits
- Claims are processed quickly—99% of claims are paid within two days
- High reimbursement rates (up to 90%)
What Could Be Better:
- Doesn’t cover wellness or routine care (like vaccinations)
- Premiums tend to be higher than some other companies
Trupanion Pet Insurance
Why It’s Great: If you’re looking for simplicity, Trupanion is a fantastic option. Their “Per Incident” deductible means that you only pay a deductible for each new illness or injury, rather than a single annual deductible for everything. This can be useful for pets with chronic conditions or ongoing health issues.
What We Love:
- No payout limits on claims
- 90% reimbursement rate for eligible claims
- Access to 24/7 customer support
What Could Be Better:
- Higher premiums, especially for older pets
- Does not cover wellness or preventative care
Petplan Pet Insurance
Why It’s Great: Petplan is known for its exclusive coverage, which includes not just accidents and illnesses, but also hereditary conditions, chronic conditions, and even alternative treatments like acupuncture. With unlimited annual payouts, Petplan gives pet owners peace of mind when it comes to major veterinary expenses.
What We Love:
- Covers a huge range of treatments, including alternative therapies
- No annual payout limits
- Discounts for multiple pets
What Could Be Better:
- Doesn’t cover pre-existing conditions
- Premiums may be a little higher for older pets
Embrace Pet Insurance
Why It’s Great: Embrace offers flexible policies and customizable options. You can choose your conclusive, reimbursement rate, and annual coverage limit to best fit your pet’s needs. They also offer a wellness plan, which helps with routine care like vaccinations, flea prevention, and dental check-ups.
What We Love:
- Wellness rewards program for preventive care
- Comprehensive coverage, including dental care
- 24/7 pet health hotline for immediate support
What Could Be Better:
- Some policies have higher deductibles
- Claims processing can sometimes take a little longer
Nationwide Pet Insurance
Why It’s Great: As one of the most established names in insurance, Nationwide provides excellent coverage for both accidents and illnesses, and they also offer a wellness plan to help cover things like vaccinations and flea/tick preventatives. Plus, they don’t have an age limit for enrollment, which is great for senior pets.
What We Love:
- Flexible plans with coverage for both accidents and illnesses
- Wellness plans for routine care
- No age limits for enrollment
What Could Be Better:
- Limited coverage for chronic conditions
- Premiums can be on the pricier side for older pets
Figo Pet Insurance
Why It’s Great: Figo’s tech-forward approach sets it apart from other insurers. They offer a full 100% compensation option and have an end user-friendly app that allows you to manage your policy and submit claims on the go. Figo is a great choice if you value convenience and cutting-edge technology.
What We Love:
- 100% compensation option available
- Easy-to-use mobile app for claim submissions
- No upper age limits for enrollment
What Could Be Better:
- Higher premiums for senior pets
- Doesn’t cover pre-existing conditions
AKC Pet Insurance
Why It’s Great: AKC Pet Insurance is backed by the American Kennel Club, which gives it added credibility and trustworthiness. Their plans are highly customizable, and they offer both accident/illness coverage as well as wellness plans. They also offer a multi-pet discount, making it a great choice for families with more than one pet.
What We Love:
- Customizable coverage options
- Covers both dogs and cats
- Wellness plans available for routine care
What Could Be Better:
- Coverage for hereditary conditions may be limited
- Claims processing can sometimes be slow
PetFirst Pet Insurance
Why It’s Great: PetFirst is the great option for pet owners on a budget. Their plans are affordable and offer good coverage for accidents and illnesses, along with preventive care options. They also have no upper age limits for enrollment, making them a good choice for senior pets.
What We Love:
- Affordable premiums for pets of all ages
- Offers coverage for accidents and illnesses
- No upper age limits for enrollment
What Could Be Better:
- Limited coverage for routine wellness care
- Claims processing times can be slow
ASPCA Pet Health Insurance
Why It’s Great: If you love animals, you’ll appreciate that the ASPCA (American Society for the Prevention of Cruelty to Animals) offers some of the most flexible pet insurance plans out there. They also offer a wellness plan to cover regular vet visits, check-ups, vaccinations, and more.
What We Love:
- Flexible plans with coverage for both accidents and illnesses
- 24/7 pet health hotline for expert advice
- Multi-pet discounts
What Could Be Better:
- Reimbursement rates may be lower than some competitors
- Premiums can be higher for older pets
Banfield Pet Hospital Insurance
Why It’s Great: Banfield’s insurance is a bit different—it’s not traditional pet insurance, but rather a wellness plan that works with Banfield Pet Hospitals. While it doesn’t cover major medical emergencies, it’s great for routine care like vaccinations, check-ups, and flea treatments.
What We Love:
- Covers preventive care at Banfield hospitals
- Discounts on services at Banfield locations
- Easy access to a network of veterinary clinics
What Could Be Better:
- Limited to Banfield locations
- Doesn’t cover all types of pet care
What to Consider When Choosing Pet Insurance
Selecting the right pet health insurance is no easy task. Here are a few things to keep in mind when narrowing down your options:
Coverage Options
Look at the types of coverage each company offers. Some projects cover only accidents, some cover illnesses, while others include wellness care (like vaccinations) and alternative treatments. Be sure the plan you choose fits your pet’s specific needs.
Reimbursement Rates
Higher reimbursement rates (such as 90% or more) can reduce your out-of-pocket expenses. Make sure to compare reimbursement options across providers.
Deductibles and Premiums
Lower deductibles usually come with higher premiums etc. Find a balance that works for your budget. Just Make sure you’re not sacrificing necessary coverage to save a few dollars.
Claims Process and Customer Support
Having a reliable claims process and responsive customer support is crucial, especially when you’re dealing with an emergency. Look for companies with a good reputation for handling Claims efficiently and providing quality customer support.
Frequently Asked Questions
Is pet insurance worth it?
Absolutely! While pet insurance requires a monthly premium, it can Save you thousands in the event of an accident or serious illness. It’s especially worth it for older pets or pets with potential health issues.
Can I switch pet insurance providers?
Yes, you can switch at any time. Just make sure there’s no gap in coverage, and check if any waiting periods apply when you switch.
How much does pet insurance really cost?
Pet Insurance costs vary based on factors like your pet’s age, breed, and the type of coverage you choose. On average, premiums range from $20 to $50 per month.
Does pet insurance cover vaccinations?
Some providers, like ASPCA and AKC, offer wellness plans that cover routine care, including vaccinations.
Can I get pet insurance for an old senior pet?
Yes, many providers offer coverage for older pets, though premiums may be higher for seniors due to their increased risk of health issues.
Does pet insurance cover pre-existing conditions?
Most Pet insurance companies do not cover pre-existing conditions, though some might offer coverage if the condition has been resolved or is symptom-free for a certain period.
Conclusion
Choosing the best pet insurance for your furry companion is an important decision, and it all comes down to finding the right balance between coverage, cost, and peace of mind. Whether you go with Healthy Paws, Trupanion, or Embrace, you’ll be well on your way to ensure that your pet gets the care they need & when they need it. Don’t hesitate to explore options, compare plans, and pick the one that works best for both your pet’s health and your budget. After all, our pets are worth every bit of care and protection we can give them.