MoneyGeek's analysis found Pets Best as the best pet insurance company with military discounts, providing various coverage options and affordable premiums. We also recommend Figo, Met Life and Fetch as alternatives for service members looking for pet coverage.
Best Pet Insurance With Military Discount
Updated: September 14, 2025
Advertising & Editorial Disclosure
Best Pet Insurance With Military Discount: Key Takeaways
Pets Best ranks as the best pet insurance company with military discounts in MoneyGeek's study, scoring 4.0 out of 5.0 for dogs and 3.9 out of 5.0 for cats.
Figo offers the cheapest pet insurance with military discounts at $52 monthly for dogs and $25 monthly for cats.
Find the best value in pet insurance by comparing quotes from multiple providers, evaluating discount structures and reading the fine print before purchasing coverage.
What Are the Best Pet Insurance Companies With Military Discount?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Pets Best | 4 | $643 |
| Figo | 3.75 | $624 |
| Met Life | 2.95 | $684 |
| Fetch | 2.85 | $929 |
| Embrace | 2.7 | $874 |
| Liberty Mutual | 2.6 | $774 |
Pets Best
Best Overall
MoneyGeek Rating
4/ 5
4/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate for Dogs
$53Average Monthly Rate for Cats
$28Overall Reddit Sentiment
70% positiveMaximum Annual Limit
Unlimited
What Are the Cheapest Pet Insurance Companies With Military Discount?
Figo is the cheapest pet insurance company offering military discounts, with average monthly premiums of $52 for dogs and $25 for cats. These rates reflect our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Figo | $52 | $624 | 14% |
| Pets Best | $53 | $643 | 11% |
| Met Life | $57 | $684 | 5% |
| Liberty Mutual | $65 | $774 | 7% |
| Embrace | $73 | $874 | 21% |
| Fetch | $77 | $929 | 28% |
Figo
Cheapest Overall
MoneyGeek Rating
3.8/ 5
4.1/5Affordability
3.3/5Customer Experience
3.5/5Coverage Options
Average Monthly Rate for Dogs
$52Average Monthly Rate for Cats
$25Overall Reddit Sentiment
17% positiveMaximum Annual Limit
Unlimited
How to Get the Best Cheap Pet Insurance With Discount
When shopping around for pet insurance, military families can maximize savings by comparing multiple providers and understanding their coverage options. Start by following the steps below.
- 1
Determine your coverage needs
Start by assessing your pet's age, breed and health history to decide on annual limits, deductibles and reimbursement rates. Higher deductibles and lower reimbursement rates reduce monthly premiums but increase out-of-pocket costs during claims. Consider your budget and emergency fund when balancing premium costs against potential veterinary expenses.
- 2
Compare multiple quotes
Gather quotes from at least three providers that offer military discounts, including Pets Best, Figo and other military-friendly insurers. Also, research each company's discount structure, as some offer flat percentage discounts, while others provide tiered discounts through military organizations or special programs for active duty versus veterans.
- 3
Read the terms and conditions
Review sample policies from your top choices to understand coverage exclusions, waiting periods and claim requirements. Pay close attention to pre-existing condition definitions, breed-specific exclusions and coverage limitations for common issues like hip dysplasia or dental problems. Sample policies reveal important details that marketing materials often omit.
- 4
Look for company reviews
Research customer experiences on platforms like Trustpilot, Reddit and the Better Business Bureau to gauge claim processing speed and customer service quality. Focus on reviews from customers with similar pets and coverage needs to your situation.
- 5
Reassess annually before renewing
Review your policy each renewal period to ensure it still meets your pet's health needs and your family's budget. You might need to change your coverage amounts if your pet gets older or develops new medical issues. Additionally, compare current rates with competitor quotes, as military discounts and pricing can change over time.
Best Pet Insurance Military Discount: Bottom Line
Military families have solid options for pet insurance, with Pets Best leading in overall quality and Figo offering the lowest premiums. As always, compare multiple quotes from at least three companies, check their military discounts and understand their terms and conditions to find the best deal for your specific budget and pet’s health needs.
Best Pet Insurance for Military: FAQ
We’ve answered some frequently asked questions about pet insurance with military discounts below:
Which is the best pet insurance company with military discount?
Pets Best ranks as the top pet insurance company with military discounts in MoneyGeek's analysis, earning a score of 4.0 out of 5.0 for dogs and 3.9 out of 5.0 for cats. The company offers discounts for members of military organizations like MOAA and Dogs on Deployment, plus features like Direct Vet Pay to reduce upfront costs.
Which is the cheapest pet insurance company with military discount?
Our analysis found Figo is the most affordable option for pet insurance with military discount, offering premiums at an average of $52 for dogs and $25 for cats. It also provides a 5% military discount, though it’s not available in Florida, New York, Tennessee and Washington.
Can senior pets get military discount pet insurance?
Senior pets can qualify for military discount pet insurance. Both Pets Best and Figo have no upper age limits for enrollment, making coverage accessible regardless of your pet's age. However, premiums increase with pet age due to higher health risks.
How do I compare military pet insurance quotes effectively?
Collect quotes from at least three providers offering military discounts and study each company's discount structure, since some offer flat percentages while others provide tiered discounts through military organizations.
What coverage limits should military families choose?
Military families need to weigh how much coverage they want against what they can afford and their pet's health risks. Annual limits range from $5,000 to unlimited, with higher limits costing more monthly but providing greater financial protection for major medical expenses. Consider your emergency fund when selecting deductibles ($50 to $1,000) and reimbursement rates (70% to 100%). Higher deductibles and lower reimbursement rates reduce premiums but increase out-of-pocket costs during claims.
How We Found the Best and Cheapest Pet Insurance With Military Discounts
MoneyGeek evaluated six major pet insurance companies in the United States to identify the best and cheapest options for military families seeking comprehensive coverage with discount benefits. We collected quotes, analyzed customer satisfaction data and reviewed policy contract terms to develop our recommendations for service members.
To ensure fair comparisons across all providers, we gathered quotes using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
How We Scored Providers
Affordability (50% of overall score): We compared premium rates across all states and factored in available military discounts. Rate competitiveness carried the primary weight, with discounts serving as a secondary consideration due to limited variation between companies.
Customer Experience (30% of overall score): We analyzed customer feedback from Trustpilot and Reddit to assess real-world service quality and claim processing satisfaction among policyholders.
Coverage Options (20% of overall score): We examined policy contracts in every state, evaluating coverage inclusions, available add-ons, exclusions and restrictions to determine value for military pet owners.
About Mark Fitzpatrick
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.