With rising veterinary costs and advanced pet care options, pet insurance has become a smart investment for dog and cat owners in 2025. Whether it’s an unexpected surgery, chronic condition, or emergency visit, the right policy can save you thousands while ensuring your pet receives the best possible treatment. Leading providers now offer customizable coverage, fast digital claims, and optional wellness add-ons for routine care. Below are the top five pet insurance companies to consider this year.
1. Healthy Paws Pet Insurance
Healthy Paws offers comprehensive accident and illness coverage with unlimited lifetime benefits and fast claim payouts.
- Monthly Premium: Starts around $35 for dogs, $20 for cats
- Annual Coverage Limit: Unlimited
- Reimbursement Rates: 70%–90%
- Deductible: $100–$500 annually
- Best Features: Mobile app claims, direct vet payment in select clinics, no caps on specific conditions
- Best For: Pet parents seeking lifetime peace of mind with no maximum limits
2. Spot Pet Insurance
Spot offers highly customizable policies with flexible annual limits, reimbursement rates, and deductible options.
- Monthly Premium: $25–$50 depending on pet breed and age
- Annual Coverage Limit: $2,500 to unlimited
- Reimbursement Rates: 70%, 80%, or 90%
- Deductible: $100–$1,000
- Best Features: Includes behavioral therapy, exam fees, and option to add preventative care
- Best For: Pet owners who want tailored plans with full flexibility
3. Embrace Pet Insurance
Embrace offers coverage for both accidents and illnesses, along with an optional wellness rewards plan for routine care.
- Monthly Premium: Around $30–$60
- Annual Coverage Limit: $5,000 to unlimited
- Reimbursement Rates: 70%–90%
- Deductible: $200–$1,000 (annual)
- Best Features: Covers dental illness, alternative therapies, and offers Healthy Pet Deductible credit
- Best For: Owners of older pets or those who want to bundle accident, illness, and wellness care
4. Figo Pet Insurance
Figo stands out with its cloud-based Pet Cloud platform and 24/7 live vet chat included with all plans.
- Monthly Premium: $20–$45
- Annual Coverage Limit: $5,000 to unlimited
- Reimbursement Rates: 70%, 80%, 90%, or 100%
- Deductible: $100–$750
- Best Features: No upper age limits, direct deposit reimbursements, and fast mobile claims
- Best For: Tech-savvy pet owners who want 24/7 support and seamless digital tools
5. ASPCA Pet Health Insurance
Backed by the American Society for the Prevention of Cruelty to Animals, this provider offers trusted, well-rounded protection.
- Monthly Premium: $25–$60
- Annual Coverage Limit: $5,000 to unlimited
- Reimbursement Rates: 70%, 80%, or 90%
- Deductible: $100–$500
- Best Features: Multi-pet discounts, exam fee coverage, and optional preventive care plan
- Best For: Families with multiple pets looking for bundled savings and reputable backing
What Pet Insurance Typically Covers
- Accidents: Broken bones, bites, lacerations, swallowed objects
- Illnesses: Cancer, infections, digestive issues, diabetes
- Hereditary/Chronic Conditions: Hip dysplasia, allergies, arthritis
- Diagnostics & Treatments: X-rays, MRIs, lab tests, surgery, hospitalization
- Optional Wellness Care: Vaccines, dental cleanings, flea prevention (varies by plan)
Tips for Choosing the Right Pet Insurance
- Enroll Early: Younger pets get lower premiums and fewer exclusions for pre-existing conditions.
- Check Waiting Periods: Many plans have 14-day illness waiting periods and longer for orthopedic issues.
- Review Annual Limits: Choose unlimited coverage if you want maximum protection against catastrophic events.
- Understand Reimbursement: Know whether it’s based on vet bill, benefit schedule, or usual/customary rates.
- Compare Wellness Add-ons: If you want to cover annual checkups, vaccines, and dental care, add preventive coverage.
Pet insurance in 2025 is more customizable and accessible than ever. By choosing a plan that aligns with your pet’s age, breed, and health profile, you’ll be prepared for the unexpected while ensuring your furry friend gets the best care possible—without breaking your budget.