Best Pet Insurance Companies for 2025


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Key Takeaways

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Spot is the best overall pet insurance company, offering plan flexibility and affordable rates. Trupanion ranks first for high-end plans, and Nationwide has the best wellness add-on plans.

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Pets Best is the best cheap pet insurance company, offering the most affordable plans.

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Figo is the best plan provider for cats, while Embrace offers the best option for older pets. Nationwide is the top choice for exotic pets.

Compare Pet Insurance Rates

Ensure you're getting the best rate for your pet insurance. Compare quotes from the top insurance companies.

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What Are the Best Pet Insurance Companies?

Overall, Spot is the best pet insurance company. The ideal provider may differ depending on your needs. Below are the top pet insurance companies to help you find the right option.

Best
Company
Available Discounts

Overall

  • 10% multi-pet
  • 10% employee benefits discount

Cheap Pet Insurance

  • 5% multi-pet

High-End Plan

For Wellness Add-On

  • 5% multi-pet
  • 5% for current Nationwide policyholders

For Cats

  • Varies by state

For Older Pets

  • 10% multi-pet
  • 10% employee benefits
  • 5% military

For Exotic Pets

  • 5% multi-pet
  • 5% for current Nationwide policyholders
Spot

Best Pet Insurance Company Overall: Spot

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pros

  • Affordable rates

  • Customizable coverage limits

  • Exam fees covered after deductible met

  • No upper age limit

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cons

  • Only cats and dogs covered

  • Platinum preventive care add-on can be expensive

COMPANY HIGHLIGHTS

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%
Pets Best

Best Cheap Pet Insurance: Pets Best

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pros

  • Fast claim processing and reimbursement with direct deposit

  • Two levels of routine care add-on coverage available

  • Three coverage plan levels

  • Option for accident-only coverage

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cons

  • $2 monthly processing fee if not paid annually (except in Alaska and Maryland)

  • Exam fees not covered in Essential plan

  • Rehab and alternative care only covered under Elite plan

COMPANY HIGHLIGHTS

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%
Trupanion

Best Pet Insurance Company for High-End Plan: Trupanion

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pros

  • Per-issue lifetime deductible

  • Direct payments to vets

  • Pick a deductible between $0 and $1,000

  • Add-on coverages available for recovery, non-clinical procedures and pet owner assistance

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cons

  • No discounts

  • Age capped at 14 years

  • No preventive care or pre-existing condition coverage

COMPANY HIGHLIGHTS

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%
Nationwide

Best Pet Insurance Company for Wellness Add-On: Nationwide

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pros

  • Only 24-hour waiting period for wellness plan

  • Avian and exotic pet coverage available

  • Nationwide policyholders save 5%

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cons

  • Must enroll pet by age 10

  • No accident-only plan

COMPANY HIGHLIGHTS

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)

Best Pet Insurance Company for Specific Animals

The type of animal you have will affect your pet insurance options and costs. The following sections highlight the best providers for different animals.

Figo

Best Pet Insurance for Cats: Figo

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pros
  • No upper age limits

  • Up to 100% reimbursement

  • Worldwide coverage

  • Six-month orthopedic conditions waiting period doesn't apply to cats

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cons
  • Enrollment exam recommended

  • Vet exam fees covered under optional coverage

  • Routine wellness and preventive care includes limited coverage with additional cost

COMPANY HIGHLIGHTS

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%
Embrace

Best Pet Insurance for Older Pets: Embrace

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pros
  • Accident-only coverage available

  • No dental exam required for dental illness coverage

  • Only 12-month lookback period for pre-existing conditions

  • $50 diminishing deductible each year you don’t file a claim

  • Multiple discount options

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cons
  • Pets enrolled at 15 or older are only eligible for accident coverage

  • No unlimited coverage option

COMPANY HIGHLIGHTS

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%
Nationwide

Best Pet Insurance for Exotic Pets: Nationwide

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pros
  • Only major U.S. pet insurer covering avian and exotic pets

  • Worldwide coverage

  • Save up to 15% with multiple pets

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cons
  • Rates not available online

COMPANY HIGHLIGHTS

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

Best Pet Insurance Companies by State

Not all pet insurance companies offer coverage in every state, and premiums can vary depending on your location. The table below explores MoneyGeek's top picks for pet insurance providers in each state.

State
Company

Alabama

Figo

Alaska

Embrace

Arizona

Figo

Arkansas

Figo

California

Embrace

Colorado

24 Pet Watch

Connecticut

24 Pet Watch

Delaware

Figo

Best Pet Insurance: Buying Guide

There are various factors to consider when searching for the best pet insurance policy and provider. The buying guide below provides tips on how to find the right policy for you. Find out what affects your premiums and learn how pet insurance works.

How to Choose the Best Pet Insurance

Use these tips to help you find the best pet insurance companies offering the coverage you need for your pet.

  1. 1

    Enroll while your pet is young

    Your pet's age is one factor pet insurance companies use to determine your premium. Younger pets get better rates and are less likely to have pre-existing health issues excluded from coverage. Older pets may face coverage restrictions or accident-only options.

  2. 2

    Consider your coverage

    You know your pet best. Accident-only coverage may work if your pet is healthy and not predisposed to genetic or hereditary diseases. Comprehensive illness coverage provides nose-to-tail protection. Wellness add-ons cost extra but may help with routine care expenses.

  3. 3

    Read the fine print

    Coverage limits and exclusions vary by company. Most companies offer sample policies online for review. Read the fine print to identify coverage gaps that might make another company a better option.

  4. 4

    Look over reviews and recommendations

    After reviewing our best pet insurance analysis, ask your vet for advice. They can assess your pet's history and help select the right plan. Friends and family with pet insurance can also provide valuable insights.

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MONEYGEEK TIP

Review your pet's vet history to determine the right coverage level. Compare quotes from at least three companies to find the best value. Most top pet insurance companies allow coverage adjustments anytime, so you can modify your plan as needed.

How Much Does Pet Insurance Cost?

When choosing the best pet insurance plans for your needs, comparing coverage options can help you find the right plan to fit your budget. The tables below show sample rates for plan options with low and average coverage for dogs and cats.

Average Cost of Pet Insurance for Low Coverage

The following table displays average monthly costs for basic coverage plans featuring $5,000 annual limits, $500 deductibles and 80% reimbursement rates.

Company
Monthly Premium

1.

Pets Best

$20

2.

Pet Plan

$22

3.

Spot

$26

4.

Hartville

$27

5.

ASPCA

$27

6.

Figo

$27

7.

Embrace

$30

8.

GEICO

$30

9.

24 Pet Watch

$39

Average Cost of Pet Insurance for Average Coverage

The tables below highlight average pet insurance quotes for a policy with $10,000 annual coverage, $250 deductible and 80% reimbursement.

Average Pet Insurance Cost for Dogs (Average Coverage)
Company
Monthly Premium

1.

Figo

$41

2.

Embrace

$43

3.

GEICO

$43

4.

Spot

$49

5.

ASPCA

$49

6.

Hartville

$49

7.

24 Pet Watch

$52

8.

Pumpkin

$58

9.

Nationwide

$72

Average Pet Insurance Cost for Cats (Average Coverage)
Company
Monthly Premium

1.

GEICO

$20

2.

Embrace

$20

3.

Figo

$21

4.

Nationwide

$25

5.

ASPCA

$26

6.

24 Pet Watch

$26

7.

Spot

$26

8.

Hartville

$27

9.

Pumpkin

$34

What Factors Impact Your Policy Cost?

Certain factors impact how much you’ll pay for pet insurance. Understanding how insurers create quotes can help you choose the best policy for your needs.

  • Coverage Levels: Higher coverage costs more. Higher deductibles lower your premiums but increase out-of-pocket costs. Unlimited coverage has the highest premiums but could save money if your pet has a major accident or illness.
  • Your Pet's Age: Most pets can be insured from eight weeks, with maximum enrollment ages varying by company. Younger pets cost less to insure. Premiums typically increase annually as your pet ages.
  • Your Pet's Breed: Breed affects pricing due to genetics and adult size influencing health risks. Large dog breeds face higher rates due to susceptibility to heart and hip conditions. Comprehensive coverage for cats cost less than for dogs (averaging $28 monthly for cats versus $50 for dogs), according to NAPHIA.
  • Your Location: Rates reflect local veterinary care costs. Rural areas typically offer lower premiums than urban and suburban locations.

How Much Pet Insurance Coverage Should You Buy?

The coverage amount suitable for you depends on your pet's needs and your goals. Below are tips that can help you choose the right coverage limits.

  1. 1

    Consider Your Pet's Risk Profile

    • Low risk: $5,000 to $10,000 may be sufficient for indoor cats, small mixed-breed dogs and young healthy pets
    • Medium risk: $10,000 to $15,000 is recommended for active dogs, outdoor cats and adult pets (four to eight years)
    • High risk: $15,000+ or unlimited is recommended for purebred dogs prone to health issues, senior pets and breeds with hereditary conditions
  2. 2

    Evaluate Potential Treatment Costs

    • Basic emergency visit: $1,000 to $3,000
    • Fracture repair: $2,000 to $5,000
    • Foreign body removal: $3,000 to $6,000
    • Cancer treatment: $6,000 to $10,000+ per year
    • Chronic condition management: $2,000 to $5,000+ per year
  3. 3

    Assess Your Financial Cushion

    Ask yourself these questions:

    • Can you comfortably cover costs beyond your annual limit?
    • Would a major diagnosis create financial hardship?
    • Is your emergency fund sufficient to cover potential overages?
  4. 4

    Find Your Balance Point

    For most pet owners, the ideal coverage:

    • Covers at least 90% of potential scenarios
    • Fits within your monthly budget
    • Balances premium costs against out-of-pocket expenses

You can adjust coverage at renewal as your pet ages or their health changes. Start with appropriate coverage for your current situation, knowing you can increase it later as needed.

Common Pet Insurance Coverage Limits

Pet insurance providers typically offer several annual coverage limits:

Coverage Amount (Annual)
Description

$5,000

  • Entry-level protection for basic care needs
  • Covers most routine emergencies and common treatments
  • Most affordable premium option
  • Sufficient for young, healthy pets with low risk factors

$10,000

  • Mid-tier protection for moderate care needs
  • Covers most surgeries, extended treatments and hospital stays
  • Balanced premium costs
  • Suitable for most adult pets without serious health concerns

$15,000–20,000

  • Higher-tier protection for comprehensive care
  • Covers complex surgeries, specialist treatments and extended care
  • Higher premium costs
  • Recommended for breeds with known health issues

Unlimited

  • Maximum protection with no annual cap
  • Covers catastrophic conditions requiring ongoing treatment
  • Highest premium costs
  • Provides peace of mind for worst-case scenarios

How Does Pet Insurance Work?

The best pet insurance policies let you visit any vet and get reimbursed for covered claims. You pay monthly or annual premiums, and the company reimburses you for accidents, illnesses and wellness visits based on your coverage terms. Pet insurance typically operates on a reimbursement model — you pay the vet upfront and submit invoices for reimbursement.

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    Coverage Limit

    The coverage limit is the maximum reimbursement for covered health issues annually. Higher coverage means higher premiums. Most companies offer multiple annual coverage options, including unlimited limits with no claim caps.

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    Deductible

    Your deductible is what you pay before the insurer reimburses you. Higher deductibles lower premiums but increase out-of-pocket costs. Most companies use annual deductibles that reset to $0 yearly. Some offer per-incident deductibles.

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    Reimbursement Percentage

    This determines your reimbursement amount from the insurer. With a $300 vet bill and 70% reimbursement, you'd receive $210. Lower percentages reduce premiums but increase your share of vet costs.

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    Waiting Period

    The waiting period is how long it takes for coverage to begin after the policy is issued. Standard waiting periods are 14 days for accidents and illnesses, meaning coverage starts on day 15. Waiting periods vary by company.

What Do Pet Insurance Plans Cover?

Pet insurance coverage varies by company. Accident-only plans reimburse for accidental injuries like your pet ingesting poison or a foreign object or getting hit by a car. Comprehensive plans include accidents and illnesses, including serious conditions like cancer.

Treatments typically covered by pet insurance plans:

Accidents typically covered by pet insurance plans:

Illnesses typically covered by pet insurance plans:

Some insurers include wellness benefits in policies. Others offer wellness plans as standalone policies or as an add-on rider for comprehensive or accident-only coverage.

Common wellness plan benefits:

Best Companies for Pet Insurance: Bottom Line

Finding the best pet insurance ensures financial protection for you and your pet. MoneyGeek analyzed data and real quotes to determine the best current plans for your furry, scaly and feathered companions. We explained how pet insurance works, what the best insurance policies offer and how to choose the right coverage for your pet.

Compare Pet Insurance Rates

Ensure you're getting the best rate for your pet insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Pet Insurance: FAQ

Our answers to frequently asked questions about buying and using pet insurance can help you choose the right plan for your pet.

How does pet insurance work, and what does it cover?

What are the best pet insurance companies?

How much does pet insurance cost?

Should you buy pet insurance?

Do veterinarians all take pet insurance?

Does pet insurance cover spaying and neutering?

Does pet insurance cover dental?

Does GEICO have pet insurance?

Does Allstate have pet insurance?

Does USAA have pet insurance?

Best-Rated Pet Insurance Companies: Our Ratings Methodology

To obtain cost data, MoneyGeek collected quotes from 13 companies across all 50 states and Washington, D.C., average pet insurance premiums were calculated based on rates for $10,000 coverage with a $250 deductible and 80% reimbursement.

Unlimited coverage includes a $250 deductible and 90% reimbursement, whereas $5,000 coverage includes a $500 deductible and 90% reimbursement. Averages for dogs and cats of certain breeds and ages were obtained through extrapolation.

Best Pet Insurance: Related Pages

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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