Best Pet Insurance Companies for 2025

MoneyGeek's Take: Spot is our top pick for the overall best pet insurance plans because of its annual deductible and coverage limit options, lack of restrictions, and affordable rates.

Spot pet insurance offers flexibility with few restrictions, making it one of the best pet insurance plans available. You can choose between comprehensive coverage for accidents and illnesses or accident-only coverage. Spot also offers two levels of preventive care coverage for services not typically covered under standard pet insurance policies.

You can make changes anytime in your online portal or by calling or emailing Spot directly. If your pet's ownership changes, call Spot customer service to transfer the policy. Spot makes filing claims easy; just log in, upload the invoice and get reimbursed. You can set up automatic monthly or annual billing, so you don't have to remember to pay.

Cats and dogs from eight weeks old qualify for coverage without age restrictions. Spot doesn't impose lifetime coverage caps. If you move to a new state, contact Spot customer service to transfer your policy to maintain your pet's pre-existing condition history.

Coverage and Other Details:

• Gold or Platinum preventive care coverage add-on available
• 14-day waiting period for accidents and illnesses
• Microchip implantation and exam fees are covered
• Six-month waiting period for pre-existing conditions (except knee and ligament conditions, which aren’t covered if pre-existing)
• Claims can be filed online with a picture of the invoice
• Billing options: Annually or monthly through your bank account or credit or debit card

Policy Types and Details:

• Coverage Amounts: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited
• Deductibles: $100, $250, $500, $750, $1,000
• Reimbursement Percentage: 70%, 80%, 90%

MoneyGeek's Take: Our analysis found Pets Best has the most affordable pet insurance available, making it our top choice for cheap pet insurance.

Pets Best offers $5,000 or unlimited annual coverage and multiple annual deductible options to fit your budget. Choose from Essential, Plus or Elite coverage. Plus coverage includes exam fees, and Elite adds rehab and alternative care like acupuncture. Pets Best offers optional routine care coverage with preset maximum limits per service.

The Essential wellness plan provides $305 in annual benefits; the Best wellness plan covers up to $535. Routine care has no waiting period, while accidents have a three-day wait and illnesses require a 14-day waiting period. Cats and dogs can be covered from seven weeks with no upper age limit. You can manage your policy through your online account or the Pets Best mobile app.

Coverage and Other Details:

• Direct deposit claims reimbursed within two days, paper checks within five to seven days
• Three-day waiting period for accidents, 14 for illnesses, six months for cruciate ligament conditions
• Optional add-on routine preventive care coverage limited to specific dollar amounts
• Pets aged three years and older must have teeth cleaning within 13 months of coverage with no signs of periodontal disease for dental coverage

Policy Types & Details:

• Coverage Amounts: $5,000, Unlimited
• Deductibles: $50, $100, $200, $250, $500, $1,000
• Reimbursement Percentage: 70%, 80%, 90%

MoneyGeek's Take: Trupanion is our choice for the best high-end pet insurance plan because it offers the most comprehensive selection with a one-time per-incident deductible and 90% reimbursement.

For comprehensive high-end pet insurance coverage, consider Trupanion. This insurer provides 90% reimbursement on all covered claims with deductibles from $0 to $1,000. Unlike other pet insurance companies, Trupanion uses a per-incident lifetime deductible instead of an annual deductible. With a $200 deductible, once your pet meets it for a condition, that condition never requires the deductible again as long as you stay with Trupanion.

Another unique feature Trupanion offers is direct payment to your veterinarian, eliminating claim submission. However, this requires vets to use Trupanion's proprietary software. Otherwise, you can submit claims online, by email/fax or mail. If your pet changes ownership, Trupanion transfers the policy to the new owner to maintain already-reached deductibles and pricing.

Coverage and Other Details:

• Lifetime per-incident deductible
• Recovery and complementary care optional riders cover non-clinical procedures like naturopathy and physical therapy
• Pet owner assistance package add-on includes lost pet advertising and reward, property damage liability, accidental death burial or cremation and holiday vacation cancellations
• Five-day accident and 30-day illness waiting periods
• Claims paid through direct deposit or mailed check

Policy Types and Details:

• Coverage Amounts: Unlimited
• Deductibles: $0 to $1,000
• Reimbursement Percentage: 90%

MoneyGeek's Take: When comparing wellness plan add-ons, we chose Nationwide as our best pet insurance pick. Nationwide offers two affordable choices for a standalone wellness plan, or you can include it as a medical plan rider.

Like humans, pets need routine wellness exams for good health. Nationwide helps reduce costs by offering wellness coverage as an add-on rider to its comprehensive pet insurance or as a standalone policy. Nationwide's major medical with wellness plan covers exams, vaccinations, flea and heartworm preventives, blood work and urinalysis. Pricing depends on pet type, age, breed and location.

Nationwide's standalone wellness plans include wellness basic and wellness plus. Both cover the same services as the major medical with wellness plan plus nail trims, microchip, health certificates, deworming, fecal tests and one additional health test like x-rays or an EKG. The basic plan provides $400 in annual benefits for $12 to $18 per month;** the plus plan offers $500 for $17 to $22 monthly. Standalone wellness plans have just a one-day waiting period before you’re eligible to collect reimbursement.

Coverage and Other Details:

• 14-day waiting period for accidents and illnesses
• 24-hour waiting period for wellness plan without medical
• No coverage for boarding, grooming, pre-existing conditions, taxes or waste
• Accident and illness coverage for avian and exotic pets

Policy Types and Details:

• Coverage Amounts: $10,000 for whole pet plan, defined annual per-condition benefits for others
• Deductibles: $250
• Reimbursement Percentage: 50%, 70% (whole pet only)

MoneyGeek’s Take: Figo is our top pick for the best pet insurance for cats, offering up to 100% reimbursement and coverage for rehab, behavioral issues and holistic treatments in its basic policy.

Figo provides comprehensive pet insurance for dogs and cats with few exceptions. Cat owners get competitive rates from Figo, with reimbursement of up to 100% of covered claims. While consultation and vet exam fees aren't included in Figo's wellness plan, optional coverage costs as little as $3 per month.

Figo offers wellness add-ons for blood work, vaccines, heartworm and flea preventives. The basic plan covers up to $135 annually; the plus plan provides $250 in annual coverage. You can add riders only during renewal, but you can change your plan anytime online or by phone.

Coverage and Other Details:

• Waiting periods are one day for accidents, 14 days for illnesses, six months for orthopedic conditions in dogs
• Optional Extra Care Pack includes coverage for lost pet advertising and reward, pet emergency vacation cancellation fees, pet theft or loss and up to $10,000 in pet property damage liability coverage
• Optional Veterinary Exam Fees coverage includes consultation and exam fees for accidents and illnesses and up to $250 in prescription diet food
• Medication and training for behavior issues are covered up to $500 annually (or $1,000 annually if Exam Fee coverage is purchased)

Policy Types and Details:

• Coverage Amounts: $5,000, $10,000, Unlimited
• Deductibles: $100, $250, $500, $750
• Reimbursement Percentage: 70%, 80%, 90%, 100%

MoneyGeek's Take: Pet owners with older pets can have a more difficult time getting pet insurance coverage, but Embrace has no age cap, making it our top pick for the best insurance plan for older pets.

Embrace accepts pets of any age for enrollment. Pets 14 or younger qualify for accident, illness and optional wellness plan coverage. Coverage continues for life as long as you maintain the policy. Pets enrolled at 15 or older receive accident and wellness coverage only.

Embrace features a Healthy Pet Deductible, that lowers costs. Each year without accident or illness claims earns you a $50 deductible credit. This continues until your deductible reaches $0 at no extra cost.

Coverage and Other Details:

• Waiting period of two days for accidents, 14 days for illness, six months for orthopedic conditions (but can waive with exam down to 14 days)
• Healthy pet diminishing deductible feature: Each year that Embrace doesn’t reimburse a claim, your deductible diminishes by $50.
• Up to 25% off in stackable discounts for multi-pet, military and employee benefits.
• Claims processed for accident or illness typically take up to 15 business days (five business days for wellness claims)

Policy Types and Details:

• Coverage Amounts: $5,000, $8,000, $10,000, $13,000, $30,000
• Deductibles: $200, $300, $500, $750, $1,000
• Reimbursement Percentage: 70%, 80%, 90%

MoneyGeek's Take: As the only major pet insurer offering coverage for exotic pets, Nationwide is our choice for the best pet insurance plans for avian and exotic pet owners.

Nationwide covers exotic pets including amphibians, reptiles, chinchillas, goats, potbellied pigs and turtles. Coverage includes exam and lab fees, prescriptions, diagnostics, and hospitalizations for accidents and illnesses.

Get quotes by calling Nationwide at 1-800-874-0651. Pricing depends on exotic pet type, size and location. Nationwide uses per-incident deductibles instead of annual ones. Bird owners can add avian routine care covering parasite testing and treatment, trims and blood work.

Coverage and Other Details:

• Rate based on type of exotic pet
• Routine care coverage for birds only includes parasite testing and treatment, blood work, and beak, nail and wing trims
• Coverage includes surgery and treatment for accidents, diseases and illnesses

Policy Types and Details:

• $50 deductible per incident