3 Best Pet Insurance Companies Reviewed by Buyers in 2025

Complete and accident-only plans for dogs and cats. Pick your own veterinarian. Deductible options range from $100 to $500, with reimbursement rates ranging from 70% to 90%. Annual coverage limits range from $3,000 to $15,000.

Insures dogs and cats in 35 states and D.C. Sign up for a policy in just seconds. Covers diagnostics, procedures and medication. Fast claim payments. Add-ons for preventive care and physical therapy. Starts at $10/month.

Specializes plans for veterinary treatments related to illness and injury. Preventive health care and accident-only options available. No upper age limits. Covers alternative therapies. Get a quote online.

Three plans with limits ranging from $5,000 to unlimited. Includes ER visits, surgeries, cancer treatment and other treatments. Covers animals eight weeks old and up. File claims online, over the phone or via fax.

Offers one coverage plan. Work with any licensed vet. Claims are handled online and most are processed within two days. Policies can be underwritten by multiple providers.

Pet accident and illness insurance plans and wellness coverage. Starts at $20 or less per month. No payout limits, direct vet payments, live vet access and multiple-pet discount. 100% coverage for prescriptions. Cancel anytime.

Covers dogs and cats at any licensed vet in the U.S. or Canada. Get reimbursed up to 90% on unexpected vet bills. $1,000 in online vet visits included at no extra cost. Protects over 370,000 dogs and cats.

Offers comprehensive and accident-only plans. Get up to $1,000 annually for dental illnesses. No network of service providers. Choose your own vet. Offers an optional wellness rewards plan for routine care.

Get a plan for pets of all ages and breeds. Choose your reimbursement percentage up to 90%. Highly customizable and budget-friendly plans. 14-day waiting period before illness coverage begins.

Available in the US and Canada. Can be used at any licensed veterinary office. 30-day money-back guarantee for most states. No upper age limits. 14-day waiting period. No vet app. Submit all claims online.

Two basic plans with annual benefits from $2,000 to $5,000. An additional plan with a benefit up to $10,000 is available. Affiliated with MetLife. Plans for dogs from $15 a month. Plans for cats from $9 a month.

Offers one easy-to-understand plan with no payout limitations. Policies are underwritten by American Pet Insurance Company. Deductibles range from $0 to $1,000. Get a quote for specific pricing.

Includes access to trained veterinary professionals and reimbursements for covered medical costs. Plans start at $35 a month. Work with any vet. Must enroll before the pet turns 10 years old.

Offers pet insurance and health plans. Add-on routine care and wellness plans start at $16 a month with no deductible. Plans have custom limits, deductibles and reimbursements based on your pet’s needs. 24/7 Pet Helpline.

Offers pet insurance and pet protection plans. Apply on its website. Annual pet protection starts at $29.95 a year or $94.95 for a lifetime membership. Policies underwritten by The North River Insurance Company.

Shows plan prices in your area. Offers family plans for those with several pets. Get discounted medical care when you visit a veterinarian in the Pet Assure network. No waiting period.

Offers one base plan with multiple add-ons and premium options. Discounted coverage for breeders. 14-day waiting period for illnesses. Three-day waiting period for accidents. Covers some holistic and alternative care.

Offers custom and flexible pet insurance plans. 30-day money-back-guarantee. Zero breed or age restrictions. Discounts available. Comparatively higher premiums. Possible rate increases at renewal.

Virtual pet health app. For Apple and Android users. Available 24/7. Free month trial. Available across the United States. Prices start at $99 per year. Optional $3,000 emergency coverage for an additional fee.

Provides insurance policies for dogs and cats. Coverage includes illness and injury treatment, surgeries and prescription food. Plans cost as little as $1.50 per day. $0 deductible option available.

Specializes in pet health insurance. Underwrites for Trupanion and Pets Best. Offers wide, customizable coverage options for cats and dogs. Provides quick claims processing. Accessible customer service. Based in the U.S.

Offers comprehensive preventive care. Stable prices regardless of breed and age. No deductibles. Monthly and annual payment plans. One-time enrollment fee. Online estimates. Exclusive to Banfield Pet Hospitals.

Coverage for accidents and illnesses. Optional wellness plans. $15-$24 per month as of publishing. Coverage transparency. Waiting periods and annual limits apply. Reimbursement only. Not opening new policies.

Offers accident, illness and preventive care plans. Comprehensive coverage. Transparent policies. Customizable options. Online quotes and policy management. Annual limits apply. Up to 30 days for reimbursement.

Offers customized, comprehensive pet insurance plans for cats and dogs. Online portal. Excludes preexisting conditions and some incidents. Discounts available. Coverage varies by state. Annual limits apply.

Pet insurance company. Free quotes within two minutes. Monthly premiums start at $15 for cats and $20 for dogs. Accidents and illness coverage. Add-on wellness plan for additional cost. Waiting period applies.

Offers widely customizable, comprehensive coverage. 24/7 live veterinary support included. Money-back guarantee. Discounts available. Charges one-time administration fee. Expensive compared with others.

Pet insurance for cats and dogs nationwide. No breed restrictions. Many add-ons. Individual or employer-based group plans. No annual limit options. 30-day money-back guarantee. Monthly service fee. Some age-based restrictions.

Available nationwide. In business for over 25 years. No maximum payout limit. Customizable pricing on insurance plans. Add-ons available. Four claim filing options. Vet bills covered up to 90%.

Offers emergency coverage, routine coverage and a mix of both. Pays some claims in 24 hours. Wellness plans available in all 50 states. Hip dysplasia only covered in pets six years old or younger. Lets you go to any vet.

Offers insurance for dogs and cats. Plans come with a flat 10% copay and a $100 deductible. Multi-pet, military and animal welfare discounts available. Premiums don’t increase as the pet ages.

Provides an alternative to pet insurance through a health-sharing plan. Pets of all ages and breeds are eligible. Monthly subscription fee costs $17, but other fees may apply. Currently available throughout the U.S.

Provides accident-only and complete coverage for dogs and cats. Annual deductibles range from $100 to $500. Reimbursement rates are between 70% and 90%. Unlimited annual benefits available.

Offers accident only or accident and illness coverage for dogs and cats. Reimbursement rates range from 70% to 90%. Deductibles range from $100 to $1,000. Pets must be under 9 years old.

Offers customizable policies for cats and dogs at least eight weeks old. Allows pet owners to choose any licensed vet. Provides free quotes over the phone and a 30-day, money-back guarantee.