First Words
As veterinary costs continue to rise, securing a reliable pet insurance policy has become essential for pet owners seeking to manage unexpected medical expenses. With numerous providers in the US market, choosing the right plan can be overwhelming. This guide simplifies the process by comparing the top 10 pet insurance companies in the US for 2025, detailing their plans, pricing, coverage, and key advantages and disadvantages.
🏆 1. Pets Best
Overview: Pets Best offers customizable plans with a range of coverage options, making it a popular choice among pet owners.
Website Link: https://www.petsbest.com
Plans & Pricing:
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Accident-Only Plan: Starts at $9/month.
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BestBenefit Plan: Ranges from $35 to $58/month, depending on coverage limits and deductibles.
Coverage Highlights:
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Accidents and illnesses
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Hereditary and congenital conditions
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Emergency care
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Prescription medications
Pros: ✅
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Direct vet payment option
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No upper age limit for enrollment
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24/7 pet helpline
Cons: ❌
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Wellness coverage available only as an add-on
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Some plans have annual coverage limits
🥈 2. Embrace Pet Insurance
Overview: Embrace is known for its comprehensive coverage and flexible wellness plans.
Website Link: https://www.embracepetinsurance.com
Plans & Pricing:
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Accident & Illness Plan: Averages $30–$60/month.
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Wellness Rewards Add-on: Ranges from $18.75 to $52.09/month.
Coverage Highlights:
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Chronic conditions
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Alternative therapies
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Behavioral therapy
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Dental illness up to $1,000/year
Pros: ✅
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Diminishing deductible feature
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Covers exam fees
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Optional wellness plan
Cons: ❌
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No coverage for pre-existing conditions
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Six-month waiting period for orthopedic conditions
🥉 3. Healthy Paws
Overview: Healthy Paws offers a single, straightforward plan with unlimited lifetime benefits.
Website Link: https://www.healthypawspetinsurance.com
Plans & Pricing:
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Comprehensive Plan: Averages $39/month for dogs and $12/month for cats.
Coverage Highlights:
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Accidents and illnesses
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Hereditary and congenital conditions
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Alternative care
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Emergency care
Pros: ✅
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No annual or lifetime caps
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Fast claims processing
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High customer satisfaction
Cons: ❌
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No wellness or routine care coverage
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Limited coverage for older pets
4. Trupanion
Overview: Trupanion stands out with its unique direct payment to vets and lifetime per-condition deductibles.
Website Link: https://www.trupanion.com
Plans & Pricing:
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Comprehensive Plan: Averages $59/month for dogs and $32/month for cats.
Coverage Highlights:
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Accidents and illnesses
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Hereditary and congenital conditions
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Prescription medications
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Diagnostic tests
Pros: ✅
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Direct vet payment system
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No payout limits
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Covers 90% of eligible expenses
Cons: ❌
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No coverage for exam fees or wellness care
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Higher premiums for certain breeds
5. Figo Pet Insurance
Overview: Figo offers cloud-based pet health management and customizable coverage options.
Website Link: https://www.figopetinsurance.com
Plans & Pricing:
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Essential Plan: Starts at $10/month.
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Preferred Plan: Averages $30–$50/month.
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Ultimate Plan: Offers unlimited coverage.
Coverage Highlights:
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Accidents and illnesses
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Veterinary exam fees
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Alternative therapies
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Behavioral issues
Pros: ✅
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24/7 virtual vet visits
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100% reimbursement option
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No upper age limit
Cons: ❌
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Wellness coverage available only as an add-on
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Some plans have annual coverage limits
6. Lemonade Pet Insurance
Overview: Lemonade is known for its user-friendly digital platform and competitive pricing.
Website Link: https://www.lemonade.com/pet
Plans & Pricing:
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Base Plan: Starts at $10/month.
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Preventative Care Add-on: Ranges from $15 to $30/month.
Coverage Highlights:
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Accidents and illnesses
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Diagnostic tests
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Medications
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Preventative care (with add-on)
Pros: ✅
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Fast claims processing
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Bundle discounts with other Lemonade policies
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Charitable giveback program
Cons: ❌
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Limited availability in some states
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No coverage for dental illnesses
7. ASPCA Pet Health Insurance
Overview: Backed by the American Society for the Prevention of Cruelty to Animals, this provider offers flexible plans.
Website Link: https://www.aspcapetinsurance.com
Plans & Pricing:
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Complete Coverage Plan: Averages $30–$50/month.
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Accident-Only Plan: Starts at $10/month.
Coverage Highlights:
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Accidents and illnesses
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Hereditary conditions
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Behavioral issues
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Alternative therapies
Pros: ✅
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Multiple plan options
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Covers exam fees
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30-day money-back guarantee
Cons: ❌
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Claims processing can take up to 30 days
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Limited coverage for older pets
8. Fetch by The Dodo
Overview: Formerly known as Petplan, Fetch offers comprehensive coverage with customizable options.
Website Link: https://www.fetchpet.com
Plans & Pricing:
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Comprehensive Plan: Averages $35–$70/month.
Coverage Highlights:
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Accidents and illnesses
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Dental care
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Behavioral therapy
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Alternative therapies
Pros: ✅
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Covers virtual vet visits
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No upper age limit
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Customizable coverage limits
Cons: ❌
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No wellness or routine care coverage
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Waiting period for hip dysplasia
9. Nationwide Pet Insurance
Overview: Nationwide is one of the few providers that cover exotic pets in addition to cats and dogs.
Website Link: https://www.petinsurance.com
Plans & Pricing:
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Major Medical Plan: Averages $35–$60/month.
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Whole Pet with Wellness Plan: Averages $60–$75/month.
Coverage Highlights:
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Accidents and illnesses
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Wellness exams
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Vaccinations
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Flea and heartworm prevention
Pros:✅
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Covers exotic pets
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Comprehensive wellness coverage
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Multi-pet discounts
Cons: ❌
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Higher premiums
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Limited customization options
10. Spot Pet Insurance
Overview: Spot offers flexible plans with a focus on preventive care options.
Website Link: https://www.spotpetins.com
Plans & Pricing:
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Accident & Illness Plan: Averages $25–$45/month.
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Preventive Care Add-on: Ranges from $10 to $25/month.
Coverage Highlights:
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Accidents and illnesses
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Behavioral issues
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Alternative therapies
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Preventive care (with add-on)
Pros: ✅
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30-day money-back guarantee
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No upper age limit
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Customizable deductibles and reimbursement rates
Cons: ❌
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Wellness coverage available only as an add-on
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Claims processing can take up to 30 days
📊 Comparison Table
| Provider | Basic Plan (Monthly) | Premium Plan (Monthly) | Key Features |
|---|---|---|---|
| Pets Best | $9 | $58 | Direct vet pay, 24/7 helpline |
| Embrace | $30 | $60 | Diminishing deductible, wellness add-on |
| Healthy Paws | $12 | $39 | Unlimited coverage, fast claims |
| Trupanion | $32 | $59 | Direct vet payment, 90% reimbursement |
| Figo | $10 | $50 | 100% reimbursement option, cloud-based platform |
| Lemonade | $10 | $40 | Fast claims, bundle discounts |
| ASPCA | $10 | $50 | Multiple plan options, exam fee coverage |
| Fetch | $35 | $70 | Virtual vet visits, customizable limits |
| Nationwide | $35 | $75 | Exotic pet coverage, wellness plans |
| Spot | $25 | $45 | Preventive care options, customizable plans |
Note: Prices are indicative and may vary based on factors such as pet breed, age, and location.
📝 Last Bark
Selecting the right pet insurance policy is crucial for ensuring your pet's health and your financial peace of mind. Consider factors like coverage limits, exclusions, premiums, and additional benefits when choosing a provider. Always read the policy documents carefully and compare multiple options to find the best fit for your needs.
