Pet Insurance Comparison 2025: Find the Best Coverage for Your Pet

Last updated: August 2025

Finding the right pet insurance can save you thousands of dollars in veterinary bills while ensuring your furry friend gets the best care possible. With over 20 pet insurance companies in the market, choosing the right one can be overwhelming. This comprehensive comparison guide breaks down the top pet insurance providers to help you make an informed decision.

Looking for specific guidance? Check out our dedicated guides for cheapest pet insurance options or best pet insurance for cats for more targeted recommendations.

Quick Comparison Table

Provider	Monthly Cost*	Deductible	Reimbursement	Waiting Period	Best For
Lemonade	$10-$80	$100-$500	70%-90%	2-6 months	Tech-savvy owners
Pets Best	$15-$85	$50-$1,000	70%-90%	14 days	Comprehensive coverage
ASPCA	$15-$75	$100-$500	70%-90%	14 days	Routine care add-on
Embrace	$20-$90	$200-$1,000	70%-90%	14 days	Wellness rewards
Healthy Paws	$15-$85	$100-$500	70%-80%	15 days	No annual limits
Trupanion	$20-$100	$0-$700	70%-90%	30 days	Direct vet payments
Figo	$20-$80	$100-$500	70%-100%	30 days	Mobile app features

*Costs vary by pet age, breed, and location

Top Pet Insurance Providers – Detailed Reviews

1. Lemonade Pet Insurance ⭐⭐⭐⭐⭐

Best For: Tech-savvy pet owners who want fast claims processing

Monthly Cost: $10-$80 Deductible Options: $100, $250, $500 Reimbursement: 70%, 80%, 90%

Pros:

AI-powered claims processing (some approved in seconds)
Excellent mobile app
Preventive care package available
No upper age limit for enrollment
Gives back to animal charities

Cons:

Not available in all states
Relatively new to pet insurance market
Limited customer service hours

What’s Covered:

Accidents and illnesses
Emergency care
Surgeries
Prescription medications
Diagnostic tests

2. Pets Best Insurance ⭐⭐⭐⭐⭐

Best For: Pet owners wanting comprehensive coverage options

Monthly Cost: $15-$85 Deductible Options: $50-$1,000 Reimbursement: 70%, 80%, 90%

Pros:

24/7 pet helpline
Routine care coverage available
Fast claim processing (5-7 days)
Coverage for hereditary conditions
No upper age limit

Cons:

Waiting periods for certain conditions
Pre-existing conditions not covered
Some breed restrictions

What’s Covered:

Accidents and illnesses
Cancer treatment
Hereditary conditions
Alternative therapies
Emergency boarding

3. ASPCA Pet Health Insurance ⭐⭐⭐⭐

Best For: Pet owners who want preventive care coverage

Monthly Cost: $15-$75 Deductible Options: $100, $250, $500 Reimbursement: 70%, 80%, 90%

Pros:

Preventive care coverage available
No lifetime limits
Coverage starts at 8 weeks
Multi-pet discounts
30-day money-back guarantee

Cons:

Longer waiting periods for some conditions
Limited coverage for alternative treatments
Age restrictions for enrollment

What’s Covered:

Accidents and illnesses
Hereditary conditions
Behavioral therapy
Prescription medications
Diagnostic imaging

4. Embrace Pet Insurance ⭐⭐⭐⭐

Best For: Pet owners who prioritize wellness and preventive care

Monthly Cost: $20-$90 Deductible Options: $200, $300, $500, $750, $1,000 Reimbursement: 70%, 80%, 90%

Pros:

Wellness rewards program
Diminishing deductible feature
Coverage for alternative therapies
Dental illness coverage included
Personal pet insurance advisor

Cons:

Higher starting premiums
Wellness coverage costs extra
Limited availability in some areas

What’s Covered:

Accidents and illnesses
Cancer treatment
Prescription drugs
Rehabilitation therapy
Emergency boarding

5. Healthy Paws Pet Insurance ⭐⭐⭐⭐

Best For: Pet owners concerned about lifetime limits

Monthly Cost: $15-$85 Deductible Options: $100, $250, $500 Reimbursement: 70%, 80%

Pros:

No annual or lifetime limits
Fast claim processing
Covers hereditary conditions
No per-incident limits
Highly rated customer service

Cons:

No wellness coverage option
Pre-existing conditions excluded
No coverage for exam fees
Age restrictions apply

What’s Covered:

Accidents and illnesses
Cancer treatment
Emergency care
Hereditary conditions
Alternative treatments

How to Choose the Right Pet Insurance

Consider Your Pet’s Needs

Age: Younger pets typically have lower premiums but may not need coverage immediately. Older pets cost more to insure but are more likely to need veterinary care. Learn more about pet insurance for senior dogs if you have an aging pet.

Breed: Some breeds are prone to specific health conditions. Look for insurers that cover hereditary and congenital conditions. Cat owners should particularly review our best pet insurance for cats guide for breed-specific considerations.

Current Health: Pre-existing conditions are rarely covered, so insure your pet while they’re healthy. Check our pet insurance for pre-existing conditions guide for options if your pet already has health issues.

Evaluate Your Budget

Monthly Premiums: Consider what you can afford monthly. Remember that premiums typically increase with your pet’s age.

Deductibles: Higher deductibles mean lower monthly premiums but more out-of-pocket costs when filing claims.

Reimbursement Levels: Higher reimbursement percentages mean more money back but higher monthly premiums.

Coverage Considerations

Annual Limits: Some plans cap annual payouts. Look for plans with high or no annual limits.

Lifetime Limits: Avoid plans with lifetime payout caps if possible.

Waiting Periods: Shorter waiting periods mean coverage begins sooner.

Pet Insurance Cost Factors

Several factors influence your pet insurance premiums:

Pet-Related Factors

Age: Older pets cost more to insure
Breed: Purebred dogs typically cost more than mixed breeds
Size: Larger dogs often have higher premiums
Location: Urban areas typically have higher vet costs and premiums

Policy Factors

Coverage Level: Accident-only vs. comprehensive coverage
Deductible Amount: Higher deductibles = lower premiums
Reimbursement Percentage: Higher reimbursement = higher premiums
Annual Limits: Higher limits = higher premiums

What Pet Insurance Typically Covers

Standard Coverage

Accidents (injuries, poisoning, foreign object ingestion)
Illnesses (cancer, infections, digestive issues)
Emergency veterinary visits
Diagnostic tests (X-rays, blood work, MRIs)
Prescription medications
Surgery and hospitalization

Optional Add-Ons

Wellness/Preventive Care: Vaccinations, annual exams, dental cleanings
Alternative Therapies: Acupuncture, chiropractic care, hydrotherapy
Behavioral Therapy: Training for anxiety or aggression issues

What’s NOT Covered

Pre-existing conditions
Cosmetic procedures
Breeding costs
Experimental treatments
Grooming
Food and supplements

Red Flags to Avoid

Poor Customer Reviews

Research customer experiences with claims processing, customer service, and premium increases.

Excessive Exclusions

Be wary of policies with long lists of excluded conditions or breeds.

Unclear Policy Language

Avoid insurers who can’t clearly explain their coverage and exclusions.

No Phone Support

Choose insurers with accessible customer service for questions and claims.

Tips for Saving Money on Pet Insurance

Enroll Early: Premiums are lowest for young, healthy pets
Annual Payment: Many insurers offer discounts for annual payments
Multi-Pet Discounts: Insure multiple pets with the same company
Higher Deductibles: Choose higher deductibles to lower premiums – see our cheapest pet insurance guide for more budget-friendly options
Compare Regularly: Shop around annually for better rates
Employer Benefits: Check if your employer offers pet insurance discounts

For more money-saving strategies, read our comprehensive cheapest pet insurance guide with additional tips and budget-friendly provider options.

Frequently Asked Questions

Is pet insurance worth it?

Pet insurance can save thousands on unexpected veterinary bills. The average dog owner spends $1,500+ annually on vet care, while insurance typically costs $300-600 per year. Learn more about whether pet insurance is worth it with real cost breakdowns and scenarios.

When should I get pet insurance?

The best time is when your pet is young and healthy. Most conditions that develop after enrollment are covered, but pre-existing conditions are excluded. Check our guide on when to get pet insurance for timing strategies.

Can I use any veterinarian?

Most pet insurance companies allow you to visit any licensed veterinarian, including specialists and emergency clinics. Some providers offer direct vet payment options to eliminate upfront costs.

How do claims work?

Most insurers use a reimbursement model: you pay the vet bill upfront, submit a claim, and get reimbursed based on your coverage level. Read our pet insurance claims guide for step-by-step instructions.

Do premiums increase over time?

Yes, premiums typically increase as your pet ages and overall veterinary costs rise. Learn about pet insurance premium increases and how to manage rising costs.

Bottom Line: Our Top Picks

Best Overall: Lemonade Pet Insurance – Great technology, fast claims, and competitive pricing.

Best for Comprehensive Coverage: Pets Best – Excellent coverage options and customer service.

Best for Wellness Coverage: ASPCA Pet Health Insurance – Strong preventive care options.

Best for No Limits: Healthy Paws – No annual or lifetime payout limits.

Best Technology: Figo – Superior mobile app and digital features.

Ready to Get Coverage?

Don’t wait until your pet needs expensive veterinary care. Compare quotes from our top-rated providers and protect your furry friend today. Most policies can be purchased online in minutes, and coverage can begin as soon as 24 hours after enrollment.

Remember: The best pet insurance policy is the one you purchase before you need it. Every day without coverage is a day your pet could develop a condition that won’t be covered as a pre-existing condition.

Disclaimer: Prices and coverage details are subject to change. Always review current policy terms and conditions before purchasing. This comparison is for informational purposes and should not be considered personalized insurance advice.