Last updated August 2025
2025’s Best Pet Insurance Plans
We’ve handpicked the best policies from top insurers, saving you time and ensuring you get the lowest prices—guaranteed.
Plus, when you buy pet insurance through us we donate $15 to the following charities—giving a helping paw to pets and animals in need!
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Top Rated Insurance Providers
1
2,005 Reviews
AVERAGE
PLAN COST
PLAN COST
$26.31/mo
REIMBURSEMENT
AMOUNT
AMOUNT
90%
ANNUAL
BENEFIT
BENEFIT
$20,000
- Lemonade has the best all-around pet insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
- Their user experience is world-class and it’s easy to get support from their award-winning customer service team
- Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
2
5,841 Reviews
AVERAGE
PLAN COST
PLAN COST
$44.84/mo
REIMBURSEMENT
AMOUNT
AMOUNT
90%
ANNUAL
BENEFIT
BENEFIT
$5,000
- ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer affordable “accident-only” plans in addition to their preventative care coverage
- ASPCA has insured more than 600,000 pets while processing more than 2.2 million claims
- Founded in 1997 and underwritten by Crum & Forster
3
1,214 Reviews
AVERAGE
PLAN COST
PLAN COST
$32.09/mo
REIMBURSEMENT
AMOUNT
AMOUNT
90%
ANNUAL
BENEFIT
BENEFIT
$10,000
- Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
- They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit
- Founded in 2019 and underwritten by Trisura Insurance Company
4
4,102 Reviews
AVERAGE
PLAN COST
PLAN COST
$40.67/mo
REIMBURSEMENT
AMOUNT
AMOUNT
80%-90%
ANNUAL
BENEFIT
BENEFIT
Unlimited
- Embrace offers multi-pet discounts, exam fee coverage, and a free 24/7 pet helpline
- Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
- Founded in 2003 and underwritten by American Modern Insurance
5
6,019 Reviews
AVERAGE
PLAN COST
PLAN COST
$63.41/mo
REIMBURSEMENT
AMOUNT
AMOUNT
90%
ANNUAL
BENEFIT
BENEFIT
Unlimited
- Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
- They are unique in that they offer “Vet Direct Pay” instead of reimbursements
- Founded in 1999 and underwritten by American Pet Insurance Company
6
2,010 Reviews
AVERAGE
PLAN COST
PLAN COST
$46.24/mo
REIMBURSEMENT
AMOUNT
AMOUNT
90%
ANNUAL
BENEFIT
BENEFIT
$5,000
- Figo offers users an amazing complimentary service to connect with vets via video chat 24/7
- They also have an easy-to-use pet records app and real time claims tracker
- Founded in 2013 and underwritten by Independence American Insurance Company
7
1,119 Reviews
AVERAGE
PLAN COST
PLAN COST
$63.48/mo
REIMBURSEMENT
AMOUNT
AMOUNT
90%
ANNUAL
BENEFIT
BENEFIT
$10,000
- Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
- Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
- Founded in 2020 and underwritten by United States Fire Insurance Company
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