As a pet owner, your furry companions are like family, and their health is a top priority. Veterinary care costs have been rising, making pet insurance a vital investment for managing unexpected medical expenses.
In 2025, the pet insurance market in the USA is more competitive than ever, offering a variety of plans tailored to different needs and budgets.
This comprehensive listicle covers the top 20 pet insurance providers in the USA for 2025.
From budget-friendly options to premium coverage, we delve into their unique offerings, pricing, and benefits to help you make an informed choice for your beloved pet.
Factors to Consider When Choosing Pet Insurance In 2025
Selecting the right pet insurance involves more than just comparing prices. Here are the key factors you should evaluate:
- Coverage Scope: Does the policy cover accidents, illnesses, and wellness visits?
- Reimbursement Rates: Higher rates mean you pay less out-of-pocket.
- Deductibles: Understand whether the deductible is annual or per incident.
- Exclusions: Check for conditions or treatments that may not be covered.
- Waiting Periods: Be aware of the time before coverage begins.
Understanding these elements will help you pick the best plan tailored to your pet’s needs.
Top 20 Pet Insurance Companies in the USA for 2025
Pet insurance has become a necessity for pet owners, offering financial protection against unexpected veterinary costs. As the market grows, finding the best provider can be overwhelming.
This listicle breaks down the top 20 pet insurance companies in the USA for 2025, helping you make the best choice for your furry companion.
1. Healthy Paws
Healthy Paws is a popular pet insurance provider offering simple and reliable plans.
Also, known for unlimited annual and lifetime benefits, they cover hereditary and congenital conditions, making it a great option for pets prone to genetic issues.
With fast claim processing and a strong customer satisfaction record, Healthy Paws remains a top choice.
|
Features |
Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $35–$50 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Unlimited payouts, covers alternative care |
| Contact | Healthy Paws Website |
2. Trupanion
Trupanion is a standout for its innovative direct vet payment system, eliminating upfront costs for pet owners.
This company provides lifetime coverage for chronic and hereditary conditions without payout limits.
Trupanion also offers flexibility in choosing deductibles based on your budget.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $50–$75 |
| Reimbursement Rates | 90% |
| Special Features | Lifetime per-condition deductible |
| Contact | Trupanion Website |
3. ASPCA Pet Health Insurance
ASPCA Pet Health Insurance, endorsed by the American Society for the Prevention of Cruelty to Animals, is a great option for pet owners with multiple pets.
They offer customizable plans with wellness options and discounts, making it affordable and flexible. The coverage extends to behavioral issues, which is a unique feature.
| Features | Details |
| Coverage | Comprehensive and wellness options |
| Average Monthly Cost | $30–$45 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Discounts for multiple pets |
| Contact | ASPCA Website |
4. Nationwide
Nationwide offers one of the most extensive coverage ranges, including exotic pets like birds and reptiles. With options for accidents, illnesses, and wellness care, this provider ensures comprehensive protection for all types of pets.
They are known for their affordable multi-pet policies and network of participating veterinarians.
| Features | Details |
| Coverage | Accident, illness, and wellness care |
| Average Monthly Cost | $35–$60 |
| Reimbursement Rates | 50%–90% |
| Special Features | Exotic pet coverage, multi-pet discounts |
| Contact | Nationwide Website |
5. Figo
Figo is a tech-forward insurance company, perfect for pet owners who value digital tools.
Their mobile app provides 24/7 access to virtual vet consultations and allows you to store and manage medical records easily.
With flexible reimbursement options and no upper age limits, Figo is a strong contender.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $30–$50 |
| Reimbursement Rates | Up to 100% |
| Special Features | 24/7 virtual vet access, no age limits |
| Contact | Figo Website |
6. Embrace
Embrace is a comprehensive pet insurance provider that rewards responsible pet ownership. Its diminishing deductible feature reduces your costs by $50 annually for each claim-free year.
Embrace also offers wellness rewards as an add-on, covering routine care like vaccinations and dental cleanings, making it an excellent choice for proactive pet care.
| Features | Details |
| Coverage | Comprehensive plans |
| Average Monthly Cost | $25–$45 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Diminishing deductible, wellness rewards |
| Contact | Embrace Website |
7. Lemonade
Lemonade is a disruptor in the pet insurance market, offering straightforward and budget-friendly plans.
Their highly-rated mobile app enables quick and hassle-free claim approvals, often processed within minutes.
Lemonade focuses on providing essential coverage at affordable prices, making it ideal for budget-conscious pet owners.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $10–$30 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Affordable premiums, fast claim processing |
| Contact | Lemonade Website |
8. Spot
Spot offers unparalleled flexibility with fully customizable plans to match your pet’s needs. With options to include wellness care, it covers routine expenses such as vaccinations and dental checkups.
Spot also offers unlimited annual coverage options, ensuring peace of mind for pet owners.
| Features | Details |
| Coverage | Accident, illness, and wellness care |
| Average Monthly Cost | $20–$40 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Customizable plans, unlimited annual benefits |
| Contact | Spot Website |
9. Prudent Pet
Prudent Pet is known for its comprehensive plans and extensive coverage options. With unlimited annual benefits and multi-pet discounts, it’s a great choice for families with multiple pets.
Prudent Pet also offers additional perks, such as coverage for lost-pet advertising and boarding fees.
| Features | Details |
| Coverage | Comprehensive plans |
| Average Monthly Cost | $25–$60 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Unlimited benefits, multi-pet discounts |
| Contact | Prudent Pet Website |
10. Petplan (Fetch)
Petplan, now known as Fetch, specializes in accident and illness coverage for pets of all ages, including senior pets.
It offers unique benefits like coverage for dental diseases, which many other insurers exclude.
With flexible plans and extensive coverage, Fetch is a solid choice for pet owners seeking dependable and detailed coverage.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $20–$50 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Covers dental diseases, senior pet coverage |
| Contact | Petplan Website |
11. AKC Pet Insurance
AKC Pet Insurance is specifically tailored for breeders and show pet owners, providing specialized coverage for breeding-related expenses.
It also includes wellness and preventative care, making it a versatile option for all pet owners.
With customizable plans and an emphasis on niche needs, AKC is ideal for pedigree pet owners.
| Features | Details |
| Coverage | Accident, illness, and wellness |
| Average Monthly Cost | $25–$55 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Coverage for breeding-related expenses |
| Contact | AKC Website |
12. MetLife Pet Insurance
MetLife Pet Insurance stands out for its affordable pricing and flexible coverage options. It offers a variety of add-ons, including wellness care, which covers routine expenses such as vaccinations and dental cleanings.
Known for its excellent customer service and quick claims processing, MetLife is a reliable choice for budget-conscious pet owners.
| Features | Details |
| Coverage | Comprehensive |
| Average Monthly Cost | $10–$30 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Wellness plans and preventative care options |
| Contact | MetLife Website |
13. Pets Best
Pets Best is a highly-rated pet insurance provider known for its extensive coverage and fast claim processing. They offer accident, illness, and wellness plans, ensuring that your pet’s routine and emergency needs are covered.
With a 24/7 helpline for pet emergencies, Pets Best provides excellent value for pet owners seeking comprehensive support.
| Features | Details |
| Coverage | Accident, illness, and wellness |
| Average Monthly Cost | $15–$40 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | 24/7 helpline for emergencies |
| Contact | Pets Best Website |
14. 24PetWatch
24PetWatch offers comprehensive pet insurance with unique benefits, such as lost pet recovery services and microchipping coverage.
The company provides robust accident and illness coverage and is particularly focused on providing peace of mind for pet owners.
Their additional perks, like advertising costs for lost pets, make them stand out.
| Features | Details |
| Coverage | Comprehensive |
| Average Monthly Cost | $20–$60 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Includes microchipping and lost pet recovery |
| Contact | 24PetWatch Website |
15. Banfield Optimum Wellness Plans
Banfield Optimum Wellness Plans prioritize preventative care, focusing on keeping pets healthy rather than treating illnesses.
These plans include routine care like vaccinations, dental cleanings, and wellness exams.
With immediate coverage and a focus on regular maintenance, Banfield is an excellent option for proactive pet care.
| Features | Details |
| Coverage | Wellness plans only |
| Average Monthly Cost | $15–$30 |
| Reimbursement Rates | N/A |
| Special Features | Immediate coverage for wellness care |
| Contact | Banfield Website |
16. Hartville Pet Insurance
Hartville Pet Insurance is an excellent choice for owners of older pets, as it has no upper age limits for enrollment.
Its accident and illness coverage caters to pets with pre-existing conditions (not diagnosed or treated in the past year).
Hartville’s customizable reimbursement rates and affordable premiums make it a practical choice for comprehensive coverage.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $25–$50 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | No age restrictions |
| Contact | Hartville Website |
17. Eusoh
Eusoh is a unique alternative to traditional pet insurance, using a community-based cost-sharing model. Pet owners share veterinary costs, significantly lowering expenses.
With affordable monthly contributions and no complicated deductibles, Eusoh provides an innovative and budget-friendly way to manage pet healthcare.
| Features | Details |
| Coverage | Community health sharing |
| Average Monthly Cost | $17–$35 |
| Reimbursement Rates | 80% |
| Special Features | Cost-sharing model, no deductibles |
| Contact | Eusoh Website |
18. Costco Pet Insurance
Costco Pet Insurance offers exclusive discounts for Costco members, making pet insurance more accessible.
The plans, underwritten by a leading provider, cover accidents and illnesses, with flexible options for reimbursement and deductibles.
This is an ideal choice for members looking to combine affordability with quality coverage.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $15–$30 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Member discounts |
| Contact | Costco Website |
19. GEICO Pet Insurance
GEICO Pet Insurance provides low-cost coverage tailored for pet owners on a budget.
Backed by trusted underwriters, its accident and illness plans offer flexibility in reimbursement rates and deductible options.
GEICO’s streamlined claim process and customizable coverage make it an appealing choice for many pet parents.
| Features | Details |
| Coverage | Accident and illness |
| Average Monthly Cost | $10–$30 |
| Reimbursement Rates | 70%, 80%, or 90% |
| Special Features | Flexible deductibles and low-cost plans |
| Contact | GEICO Website |
20. Pumpkin
Pumpkin is a comprehensive pet insurance provider offering accident, illness, and wellness coverage.
It includes unique features like coverage for dental illnesses and routine wellness exams.
With a high 90% reimbursement rate, Pumpkin ensures your pet gets top-notch care while keeping your out-of-pocket costs minimal.
| Features | Details |
| Coverage | Accident, illness, and wellness |
| Average Monthly Cost | $20–$50 |
| Reimbursement Rates | 90% |
| Special Features | Includes dental illnesses and vaccinations |
| Contact | Pumpkin Website |
Why Pet Insurance Is Essential in 2025
Pet insurance provides financial security and peace of mind by covering unexpected veterinary expenses. Here’s why it’s an important consideration:
- Rising Veterinary Costs: Advanced treatments, surgeries, and medications can be expensive.
- Unpredictable Emergencies: Accidents or sudden illnesses can happen any time.
- Comprehensive Coverage: Many plans include wellness care, diagnostics, and chronic condition management.
By choosing the right insurance, you can focus on your pet’s recovery without worrying about financial constraints.
Takeaways
Choosing the right pet insurance is one of the most important decisions you can make as a pet owner. With veterinary costs on the rise, having insurance ensures your furry companions receive the best care without financial stress.
The top pet insurance companies in the USA offer a wide variety of plans tailored to different needs, from accident-only coverage to comprehensive wellness care.
Providers like Healthy Paws and Pumpkin stand out for their extensive benefits, while options like Eusoh offer innovative cost-sharing models.
Whether you’re looking for affordability, flexibility, or niche coverage for senior pets or exotic animals, the list of top 20 pet insurance companies in the USA covers every possibility.
Invest in pet insurance today to secure peace of mind, knowing your pets will always have access to top-quality veterinary care.
