2025’s Best Pet Insurance

We have helped 100,000+ pet parents select the ideal pet insurance policy for their animals since 2020.

  • Top brands offering excellent service and fast claims payouts
  • Guaranteed lowest prices with exclusive deals
  • Trusted by emergency veterinarians, groomers, service dog professionals, dog trainers and many more

STANDARD PLAN
COST

$42.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin has the best all-around comprehensive pet insurance policy at competitive rates
  • Their plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
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embrace

STANDARD PLAN
COST

$68.71/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Embrace plans have extensive coverage and they always have an option for a 90% reimbursement
  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Founded in 2003 and underwritten by American Modern Insurance
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lemonade
lemonade

STANDARD PLAN
COST

$36.31/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has excellent budget-friendly pet insurance policies available in 40 states
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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fetch insurance

STANDARD PLAN
COST

$46.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Fetch makes it easy to use any licensed vet in the U.S. or Canada
  • Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
  • Protecting 400K+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
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aspca pet insurance
aspca trustpilot

STANDARD PLAN
COST

$49.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • ASPCA offers affordable “accident-only” plans in addition to their preventative care coverage
  • ASPCA has insured more than 600,000 pets while processing more than 2.2 million claims
  • Founded in 1997 and underwritten by Crum & Forster
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STANDARD PLAN
COST

$51.24/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
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trupanion

STANDARD PLAN
COST

$91.74/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
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pumpkin insurance

STANDARD PLAN
COST

$42.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin has the best all-around comprehensive pet insurance policy at competitive rates
  • Their plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
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Ranking Methodology

We ranked the best pet insurance policies based on a variety of important factors including the following:

  • National average monthly price for a 2-year-old Labrador Retriever with a $500 deductible and this is how we calculate the “standard plan cost” shown above
  • Below are all the zip codes we used to get the national average prices for each pet insurance provider: AL (35206) | AK (99516) | AZ (85050) | AR (72205) | CA (90210) | CO (80238) | CT (06105) | DE (19904) | FL (33155) | GA (30331) | HI (96821) | ID (83712) | IL (60630) | IN (46229) | IA (50317) | KS (66109) | KY (40511) | LA (70112) | ME (04108) | MD (21209) | MA (02136) | MI (48201) | MN (55414) | MS (39211) | MO (63104) | MT (59101) | NE (68154) | NV (89117) | NH (03062) | NJ (07305) | NM (87120) | NY (10022) | NC (27603) | ND (58104) | OH (44102) | OK (73129) | OR (97229) | PA (19128) | RI (02909) | SC (29414) | SD (57108) | TN (38111) | TX (77054) | UT (84104) | VT (05408) | VA (23221) | WA (98108) | WV (25311) | WI (53225) | WY (82009)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews