Best Pet Insurance With Military Discount

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Updated: August 20, 2026

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My top three picks for the best pet insurance for military families are:

  • Choose If You Want the Strongest Value With Direct Vet Payment: Pets Best
  • Choose If You Have a Mixed Breed and Want 100% Reimbursement: Figo
  • Choose If You Want the Highest Discount and Excellent Claims Process: MetLife

I compared providers that offer military discounts on their coverage, including customization options and terms for pre-existing conditions, waiting periods and enrollment eligibility, along with how competitive their rates are, how much military members can save and how dependable their customer service is.

We evaluated affordability, customer experience and coverage across 18 major pet insurers using more than 67,000 pet profiles, covering mixed breeds and purebreds in all 50 states and Washington, D.C. Every provider was compared against the same two base profiles, a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, each with a $5,000 annual limit, $500 deductible and 80% reimbursement rate, so the comparisons stay apples-to-apples.

We assessed coverage terms and options, tracked customer experience from enrollment through claims and compared pricing across breeds and locations. Affordability counts for 50% of the overall score, customer experience for 30% and coverage for 20%.

See the full methodology for the complete metric breakdown and scoring approach.

Pets Best

Pets Best: Best Military Pet Insurance Overall

COMPANY HIGHLIGHTS

Pets Best is my top overall recommendation, with the lowest average rate of my three picks at $32 a month, 33% below the national average and reducible further with a 5% military discount. It also ranks first for coverage, with a base plan that covers hereditary conditions, chronic illnesses, cancer and emergency care at no extra cost. This means you're less likely to need add-ons if your pet develops an expensive condition or needs urgent care.

Vet Direct Pay adds to that, where it lets Pets Best pay licensed vets directly for covered claims once you submit a claim with a signed veterinarian reimbursement release form. This matters if you can't comfortably cover a large vet bill yourself.

But customer service is the tradeoff. Pets Best's claims submission process isn't always seamless and can mean spending extra time gathering paperwork when your attention should be on your pet's recovery.

Read our review: Pets Best Pet Insurance Review

Figo

Figo: Best Military Pet Insurance for Full Reimbursement

COMPANY HIGHLIGHTS

Figo is my pick for military pet owners who want full reimbursement. Its 5% military discount applies to an average rate of $42 a month, 11% below the national benchmark. A $500 to $750 deductible with a $5,000 to $10,000 annual limit gives you 100% reimbursement, so it's best suited to a healthy, mixed-breed pet at low risk for the costly hereditary conditions that can max out coverage within a policy year.

But Figo excludes natural supplements, vitamins and food (prescribed or not), which matters if your pet has a chronic condition like kidney disease, gastrointestinal disorders or food allergies where a prescribed diet is often the primary treatment. It also imposes a six-month waiting period for orthopedic conditions, so there's a gap in coverage for breeds prone to joint and ligament issues, like German Shepherds, Golden Retrievers and Rottweilers.

Read our review: Figo Pet Insurance Review

MetLife

MetLife: Best Military Pet Insurance Customer Experience

COMPANY HIGHLIGHTS

MetLife is my top pick for discount size: 10%, the highest of my three picks. This discount is important because MetLife also has the highest average rate among my picks on this page ($45 a month, still 5% below the national average).

It also has the best customer service of the three. It's got tools for buying, managing and submitting claims where you'll rarely need agent support to get through.

But MetLife ranks 14th of 18 for coverage overall, well behind Pets Best and Figo, though its base plan does include a few specific benefits: exam fees, physical rehabilitation and alternative therapy, useful if your pet needs hydrotherapy, acupuncture or physical therapy after orthopedic surgery or a serious injury.

MetLife is also limited in customization: annual limits cap at $10,000, so there's no way to size up coverage for a purebred at high risk for an expensive hereditary condition, like brachycephalic obstructive airway syndrome in Bulldogs.

Read our review: MetLife Pet Insurance Review

What to Assess When Choosing the Best Pet Insurance for Military

Military families with pets need to think about qualifying for a military discount and keeping coverage intact through a permanent change of station or deployment. These choices can get you stronger long-term value instead of just the lowest premium.

  • Pet insurance discount for military: Look for 5% to 10% off premiums, with eligibility extending beyond active-duty service members to reservists, National Guard members, veterans and retirees. Check whether the discount applies only to new policies or continues at renewal.
  • Pre-existing condition terms: Most insurers exclude pre-existing conditions permanently, but some reinstate coverage for curable conditions once your pet has stayed symptom- and treatment-free for a set period. If your pet has a prior injury or illness, prioritize insurers with waiting periods under 12 months and clearly defined reinstatement criteria.
  • Waiting periods: Look for zero- to three-day accident waiting periods and under six months for orthopedic conditions. Some insurers waive illness or orthopedic waiting periods if your pet completes a qualifying vet exam shortly before or after enrollment, so coverage can start sooner.
  • Coverage for hereditary conditions: If your pet's breed is predisposed to inherited disease, check whether hereditary and congenital conditions are in the base policy or need an add-on, and whether coverage continues for the life of the policy once the condition becomes eligible.
  • Coverage for cancer: Compare the full scope of cancer benefits, not just whether cancer is covered at all. Look for diagnostics, surgery, chemotherapy, hospitalization, specialist care and prescription medications covered without disease-specific payout caps.
  • Coverage for chronic conditions: Look for plans that keep covering chronic conditions every policy year and include follow-up exams, diagnostic testing, prescription medications, therapeutic diets when eligible and rehabilitation.
  • Availability in all states: If you expect to relocate during your pet's lifetime, confirm your insurer covers most or all states you could be stationed in, and whether you can keep the same policy after a PCS.
  • Enrollment eligibility: Look for no upper age limit or breed restrictions on new enrollments, especially if you're adopting or insuring an older pet.

Best Pet Insurance for Military Buying Checklist

Use this checklist while researching providers and getting quotes, so you're comparing the same factors across every policy. Download the PDF version and check off each item as you go, letting you find the provider that best matches your pet's health needs while maximizing any military discount you qualify for.

Download: Military Pet Insurance Buying Checklist

  • blueCheck icon

    Find out your pet's specific health risks and needs

    Schedule a routine vet visit and ask which conditions your pet is most likely to develop based on its breed, age, size, lifestyle and family history, along with the range of diagnostic, treatment and surgery costs. Use this information to estimate how much financial protection you actually need.

    Reddit communities like r/dogs, r/cats or r/AskVet can add owner experience with treatment costs for the same breed.

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    Determine how much coverage you need

    Use what you've learned to decide how much of the vet bill you're comfortable covering yourself. A pet at higher risk for expensive conditions usually benefits from a higher annual limit ($10,000 to $20,000), a lower deductible ($100 to $250) and a higher reimbursement rate (80% or 90%), since the insurer covers more of each bill.

    If your pet has fewer expected risks and lowering your premium matters more, a lower annual limit (around $5,000), a higher deductible ($500 or more) and a lower reimbursement rate (around 70%) may still be enough. If you're unsure where to start, MoneyGeek's pet insurance coverage needs calculator gives a baseline recommendation from your pet's species, breed, location and age.

  • blueCheck icon

    Research providers with military discounts

    Shortlist insurers offering military discounts and confirm your eligibility as an active-duty service member, reservist, National Guard member, veteran or retiree. Then compare each company's sample policy on waiting periods, pre-existing condition rules, hereditary and chronic condition coverage. Check whether the discount applies only to new policies or continues at renewal.

  • blueCheck icon

    Read customer reviews

    Check Trustpilot, the Better Business Bureau and Reddit for how each insurer performs after purchase. Look for recurring comments on claim approvals, reimbursement speed, communication during claims, customer support and how disputes get handled (patterns across sources tell you more than isolated complaints).

  • blueCheck icon

    Get quotes

    Request quotes from every insurer using the same annual limit, deductible and reimbursement rate so the comparison is fair. Record both the standard and discounted premium because the largest percentage discount doesn't always add up to the lowest final price.

Best Pet Insurance Military Discount: FAQ

Get Pet Insurance Quotes for Military

No single policy fits every military family. If you relocate often, prioritize an insurer with broad state availability and flexible coverage; if your pet has higher health risks, a generous annual limit and full accident and illness coverage will matter more. Use the tool to compare quotes for military families and find the provider offering the best value for your situation:

Compare Military Pet Insurance Rates

Ensure you are getting the best rate for your pet insurance. Compare pet insurance quotes from the top pet insurance companies with military discounts.

About Ritchel Mendiola

Ritchel Mendiola, Pet Insurance Writer

Ritchel Mendiola is a Pet Insurance Content Writer at MoneyGeek. She produces coverage guides, provider comparisons and cost analyses so pet owners can understand their options and avoid overpaying.

Ritchel spent over four years as a News and Feature Writer at Asian Journal Publications, where she reported for the Asian Journal newspaper and Balikbayan Magazine, conducted interviews and covered media events. At MoneyGeek, she covers policy terms, exclusions, waiting periods and reimbursement structures the way she treated news facts. They're sourced, verified and reported accurately rather than summarized from marketing copy.

She joined MoneyGeek in late 2021 in the loans vertical and moved to pet insurance content, which she now leads. Her published work includes provider comparisons, breed-specific cost guides, age-specific coverage analyses and state-level pricing studies, all from the vertical's 5 million pet insurance profiles across 18 major providers and all U.S. states.

LinkedIn: https://www.linkedin.com/in/rianmendi/

Contact Email: ritchel.mendiola@moneygeek.com

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