Best pet insurance for 2025
Find and compare the best pet insurance companies to keep your furry friends protected
COMPARE BRANDS
Why use Top-pet-insurance.com
-
Choose from leading insurance companies
-
Detailed reviews and in-depth comparisons
-
The best care for your pet
Why should I take out pet insurance?
Pet insurance can be a hugely beneficial safety net in case your furry friends like cats and dogs encounter any health issues. Veterinary bills can quickly start to pile up, and if you don’t have insurance, covering the costs of your pet’s treatment can quickly become a serious financial burden. The best pet insurance, however, allows you to pay an affordable monthly or annual premium and enjoy total peace of mind, knowing that if ever your pet does develop some kind of health problem or gets injured in an accident, the insurance company will help to cover the costs. We can help you find the best pet insurance for 2025 by comparing policies from leading companies.
Main types of pet insurance
There are three main types of pet insurance:
- Accident coverage takes cover of accidental injuries like broken bones, poisoning, eye and facial injuries, and other associated emergencies.
- Illness coverage covers viruses and bacterial infections, as well as diseases and other disorders like cancer, arthritis, allergies, urinary infections, vomiting, and obesity. It’s often recommended to get illness coverage on younger pets as pre-existing illnesses and health conditions on older animals may not be covered if you take out a policy later in their life.
- Wellness coverage, meanwhile, covers the cost of general animal wellness check-ups, annual exams, flea and tick treatments, dental cleaning, vaccinations, and spaying or neutering. It’s important to think carefully and choose the right kind of insurance to cover your pet.
What does pet insurance typically cover?
The exact conditions, diseases, disorders, and other issues covered by pet insurance will massively vary depending on the provider and policy you choose. Some plans can be much more comprehensive than others, covering a great range of possible eventualities, while others are more limited in terms of their coverage. Usually, check-ups, dental treatment, vaccinations, x-rays, ultrasounds, MRIs, rehabilitation, surgery, hospitalization, urgent care, cancer treatment, and euthanasia will be covered by a general pet insurance plan from a leading insurance company.
Want the best pet insurance? Start your search here
Fetch is ideal for pet owners looking for a straightforward insurance plan for their pets. The company offers just one plan eliminating confusion, yet it covers various types of accidents and illnesses. The plan does not include wellness coverage, but it offers a variety of other types of perks.
Reimbursement Rates
Fetch provides consumers with the option of choosing their deductible, copay, and maximum annual payout. The allows you to find a plan that works with your budget. If you choose a lower maximum annual payout, you will not receive as much reimbursement, but your premium will be lower.
Annual Benefit Limit
Your annual benefit limit will depend on the type of plan you choose.
Price Range
The amount you pay for insurance will depend on your pet’s sex, medical and behavioral history, whether they are spayed or neutered, and what their status is as an indoor/outdoor pet. However, most people will pay $35 a month for dogs and $25 a month for cats.
Services
Fetch covers more types of accidents and injuries than other insurance agencies. This includes everything from cuts and digestive issues to ruptures and serious diseases. They also cover things other providers don’t cover like dental issues, breed specific issues and exam fees for sick visits.
Customer Reviews and Support
Fetch has mostly positive reviews and has gotten four out of five stars on online review sites. Their website will address most customer FAQs. They also have a phone number you can call with additional questions.
Pros
- 15 day waiting period
- Customizable plans
- Reimbursement by direct deposit
Cons
- Plans for cats and dogs only
Spot Pet is one of the best-known brands in the pet insurance business, offering a friendly and innovative approach, wide coverage plans for both cats and dogs of all breeds and sizes, and some great reimbursement options too.
Spot Pet is definitely among the best pet insurance for 2025 for cat and dog owners, as well as those with multiple pets in the house, as you get exclusive discounts for each additional pet. It covers a wide range of veterinary bills for routine care, wellness, and treatment for injuries and illnesses too.
Reimbursement rate
Spot Pet offers really flexible plans, with a wide range of different reimbursement options for new holders to choose between. You can opt for three different values of reimbursement: 70%, 80%, and 90%. By offering this wide range of choices, Spot Pet allows you to customize your policy to meet your needs.
Annual benefit limit
As with the reimbursement options, Spot Pet offers a wide range of customization options when deciding on your annual limit. The lowest limit is $5k, but you can also choose $10k, $15k, $20k, and unlimited annual limits for your plan too.
Price range
Prices with Spot Pet are part of what make this insurance company so appealing to pet owners across America. If we look at a typical plan for a 2-3 year old cat or dog with a $5k animal limit and 80% reimbursement, you can pay as low as $19 per month. You can also get discounts for every additional pet.
Services
Part of what makes Spot Pet such a good option is its customizability. The company really gives you a lot of flexible options when creating your plan. It offers plenty of coverage too, including check-ups, vaccinations, injury and illness care, prescriptions, and microchips.
Customer reviews and Support
Customers generally seem to be very satisfied with this pet insurance company, and it has received a lot of 5-star reviews online. If you need any help with Spot Pet, there’s an FAQ section on the site, as well as a call center you can contact.
Pros
- Highly flexible plans
- Great rates
- No upper age limits
Cons
- Doesn't cover exotic pets
Pumpkin is a newer pet insurance company. It takes a slightly different approach in that it focuses on preventative care rather than medical costs alone. This lowers medical expenses and keeps pets healthier.
Reimbursement Rates
Pumpkin offers a 90% reimbursement rate for all dog breeds ages 8 weeks and up.
Annual Benefits Limit
The provider offers annual benefit limit options of $10,000, $20,000, and unlimited for dogs and $7,000, $15,000, and unlimited for cats.
Price Range
Plans range in cost according to the size and breed of your dog or cat. Cat plans start at around $43 a month and dog plans start at around $68 a month. They also have a preventative plan which starts at $87 for dogs and $55 for cats.
Services
Pumpkin’s health insurance plan includes nonessential dental treatments, vet sick visits, treatments for accidents and injuries, lab tests, surgery, diagnostic tests, hospital visits and prescriptions. Their preventative plan includes vaccines, tests, and wellness exams.
Customer Reviews and Support
Pumpkin has mostly good online reviews getting an average of 4 to 5 stars. They provide an informative website, FAQs, and a customer service phone number.
Pros
- 14 day waiting period
- Comprehensive preventative insurance plan
- High reimbursement rates
Cons
- Expensive
Embrace offers one plan for accidents and injuries but gives pet owners the option of customizing the plan in accordance with their needs. They also offer wellness rewards and an efficient online portal. They give $2 back to pet charities for every policy they open.
Reimbursement Rates
Reimbursement rates will vary depending on your deductible. However, your deductible will go down by $50 each year that you don’t claim a reimbursement. They offer reimbursement rates of up to 90%.
Annual Benefit Limits
Most plans have a $5000 annual benefit limit.
Price Range
The amount you pay for your pet insurance will vary depending on their breed, age, health conditions, and other factors. However, the sample monthly cost for dogs is $29.71 and the sample month cost for cats is $12.22.
Services
Embrace offers a wide range of services. They cover dental illnesses, congenital conditions, chronic conditions, preventable conditions, orthopedic conditions, and cancer. They provide coverage for specialist care, complementary treatments, rehabilitation, emergency care, diagnostic testing, hospitalization, and prescriptions.
Customer Reviews and Support
Embrace has a contact and help center as well as separate phone numbers for policy quotes and purchases, and customer care.
Pros
- Diminishing deductible
- Up to 90% reimbursement rates
- Wellness rewards
Cons
- Pre-existing conditions not covered
Why top-pet-insurance.com
-
Unbiased and informed reviews and comparisons
-
Reviews are regularly updated with latest info
-
Exclusive access to the best deals on the internet
-
We only work with reputable pet insurance brands
-
In-depth research and simple comparison process
What cover should the best policy provide
-
Reimbursement rate
The reimbursement rate for any pet insurance plan basically tells you how much of your vet bills and treatment costs will be reimbursed. It's usually measured as a percentage, and the best brands will give you a few different reimbursement rate options to choose from.
-
Annual benefit limit
The annual benefit limit tells you the maximum amount of cash that will be covered per year on your plan. So, if your plan has a limit of $10k, you'll be entitled to $10k worth of vet bill coverage for that year. It's always good to find flexible limit options.
-
Price range
Price range determines how much the insurance actually costs per year, and this will vary depending on the type of animal you want to protect, along with its age, size, and any pre-existing conditions too. The best companies offer fair, affordable plans for every pet.
-
Accidental injury
The best pet insurance policies will always provide accident coverage. This ensures that if your pet gets hurt in an accident and requires surgery or rehabilitation, the costs will be taken care of by your insurance provider.
-
Illness
Illness is another huge and integral aspect of any pet insurance policy, ensuring that your cat or dog will be covered if they develop any illnesses, diseases, or infections. This coverage should take care of prescription medicines, surgery, and other treatments too.
-
Emergency boarding
Emergency boarding may be another important aspect of a pet insurance plan. This will cover the costs if you have to seek out urgent boarding for your pet, for example if you fall ill and have to go to hospital, so aren't able to look after your furry friend.
-
Essential euthanasia
In some situations, the humane thing to do is to end a pet's life peacefully, rather than allowing them to go on living in pain. Euthanasia is never taken lightly, but if necessary, your pet insurance plan should cover the associated costs with this procedure.
-
Overseas travel insurance
If you plan on traveling with your pet to another country, some pet insurance plans will also provide coverage for this, helping you stay protected in case your pet gets hurt or falls ill while you're away from your home nation.
-
Routine care
A good pet insurance plan should also include coverage for routine care. This can include things like dental cleaning, annual check-ups, vaccinations and booster shots, and more, covering all the basics of regular routine care to keep your pet happy and healthy.
FAQ
-
How to reduce the cost of pet insurance?Many pet owners want to find the most affordable pet insurance plan possible, while still getting the coverage they need. There are several ways in which you can cut down on the cost of your premium. One of the easiest ways is to choose the highest possible deductible when signing up for your plan, as this will reduce its overall cost. If you set the annual limit and reimbursement rates lower, the premium will also get cheaper. A lot of leading pet insurance providers may also offer discounts for multiple pets or loyal customers, and some even run programs where you can save money by looking after your pet better and taking it for regular check-ups.
-
What do I need to run a pet insurance quote?Getting a pet insurance quote from a leading provider like Hartville, Spot, or the ASPCA is very simple. The process can vary depending on which site you use and which provider you're working with, but usually, all you'll need to fill out the forms is the name of your pet, its species, breed, age, and perhaps size or weight as well. You'll also need to enter some contact information so that the quoted plans can be emailed over to you. After providing the necessary info, you should be greeted with a screen showing you your quoted premium, and you can usually make adjustments to things like deductibles, reimbursement rates, and annual limits in order to modify the details and cost of your plan.
-
Is Pet Insurance Worth It?When you realize that routine veterinary care can cost several hundred dollars and urgent treatment or surgery can cost thousands, it's clear to see that pet insurance can save you a lot of money in the long run. We all hope that our pets will stay happy and healthy for years to come, and it's easy to overlook the importance of pet insurance when your dog or cat is young and full of life. However, as animals get older, the risks of various health conditions, disorders, and diseases begin to rise, and many pets can be affected by all kinds of physical issues as they get older. Pet insurance can provide much-needed peace of mind to any pet owner, as well as potentially saving your pet's life someday.
-
Is Pet Insurance Tax-Deductible?There are some ways in which you might be able to claim tax deductions on your pet insurance or simply the general costs of owning your pet, but the circumstances for this can be quite specific, so you need to do your research and speak with experts to learn more. If you require a pet for medical reasons, for example, like a guide dog for a visually impaired person or a therapy dog, you might be able to make a claim. You might also be able to obtain a deduction if you use a guard dog at your business or you happen to be a professional animal breeder. In and of itself, insurance isn't usually deductible for most pet owners, but it's a possibility in some of these aforementioned special cases.
-
What are the Price Factors on pet insurance?
- Location – Your location will affect the price of your pet insurance, as pets living in densely populated cities are generally be seen to be at a higher risk of injury than those living out in rural locations.
- Pets age – The age of your pet can have a huge bearing on the cost of your pet insurance too, as older animals are more likely to develop health issues and therefore will be more expensive to cover.
- Pet's breed – The breed of your pet can also be a key factor in determining the total cost of your insurance. Certain breeds, especially big dogs, are more at risk of health issues and have shorter lifespans, leading to higher premiums.
- Selected deductible/reimbursement level – If you choose a higher deductible, meaning you'll be paying a larger amount each time you make a claim, you'll get a lower premium. Similarly, if you choose a lower reimbursement level, your premium will be cheaper, and vice versa.