9 Best Pet Insurance Companies: Pet insurance is a must for pet owners who don’t want to get stuck with big veterinary bills. There are many companies offering different plans, so it’s hard to pick the best one. This guide will help you choose the nine best pet insurance companies.
Why Pet Insurance Matters
Pet insurance helps pay for your pet’s medical costs. This includes accidents, illnesses, and preventive care. A good policy makes sure you can get good veterinary services without going broke.
What to Know About Pet Insurance
- Spot offers unlimited coverage for any age.
- Figo offers 100% reimbursement and unlimited payouts.
- AKC is the best option for coverage of pre-existing conditions.
- Pumpkin includes an excellent preventive pet care package.
Our Top Picks for 9 Best Pet Insurance Companies of March 2025
Note: The following companies are listed in alphabetical order.
- AKC: Best for health problems that were there before you got your pet
- Embrace: Best for coverage all over the world
- Figo: Best for options to get some of your money back
- Lemonade: Best for claims processed fast
- MetLife: Best for multiple pets
- Nationwide: Best for pets that are exotic
- Pets Best: Best for treatment of mobility issues
- Pumpkin: Best for puppies and kittens
- Spot: Best for coverage no limit
Comparison of the 9 Best Pet Insurance Companies
| Insurance Company | Best For | Coverage Options | Reimbursement Rates | Waiting Periods | Special Features |
|---|---|---|---|---|---|
| Healthy Paws | Unlimited coverage | Accidents, Illnesses | 70%-90% | 15 days | No claim limits, fast claims processing |
| Spot | Flexible plans | Accidents, Illnesses, Wellness | 70%-90% | 14 days | Customizable coverage options |
| Lemonade | Budget-friendly | Accidents, Illnesses | 70%-90% | 14 days | AI-driven claims process |
| Embrace | Older pets | Accidents, Illnesses, Dental | 70%-90% | 14 days | Covers alternative therapies |
| Trupanion | Direct vet payments | Accidents, Illnesses | 90% | 5 days | No payout limits, 24/7 customer support |
| Fetch | Best for cats | Accidents, Illnesses, Dental | 70%-90% | 15 days | Covers behavioral therapies |
| Nationwide | Exotic pets | Accidents, Illnesses, Wellness | 50%-90% | 14 days | Multi-pet discounts available |
| Pumpkin | Comprehensive coverage | Accidents, Illnesses, Preventive Care | 90% | 14 days | Covers hereditary conditions |
| Figo | Tech-friendly | Accidents, Illnesses, Wellness | 70%-100% | 14 days | 24/7 virtual vet consultations |
Conclusion
The best pet insurance depends on a few things: what your pet needs, how much you want to spend, and what coverage you want. Healthy Paws offers unlimited coverage, Trupanion lets you pay directly for your pet’s care, and Figo is great for pet owners who like technology. If you have an exotic pet, Nationwide is the best option. Look at the different policies and choose one that will make you feel at ease and keep your pet safe.
FAQs
What is the best pet insurance company?
- Best Overall: Pumpkin
- Best Budget: Lemonade Pet Insurance
- Best for Short Waiting Period for Accident Coverage: Figo
- Best for Customization: Spot
- Best for No Annual Coverage Limit: Embrace
- Best for Fast Claims Processing: Healthy Paws
What is a pet insurance company?
A pet insurance policy can help you pay for some of your pet’s surgery costs if your pet has an eligible illness or injury. However, it cannot pay for pre-existing conditions or exclusions. It’s important to check your pet insurance provider’s Policy Booklet to know what is and isn’t covered.
What type of pet insurance is pets best?
Plans from Pets Best Accident Only Plans.
This type of coverage protects pets in case of unexpected injury from an accident. This could include things like bone fractures, cuts, and torn nails.
Accident and Illness Plans.
Routine Care Plans.
