10 Best Pet Insurance Providers - April 2025
Cover anything from unexpected emergencies to routine check ups with the best pet insurance for dogs and cats. Get a personalized pet health insurance quote today and save thousands on costly vet bills.
🔥 Get up to 90% Cash Back on Vet Bills
- Covers Accidents, Illness & Preventive Care
- Prescriptions, Specialists, Dental and more
- Visit Any Vet in the US, 24/7 Vet Helpline
- 10% Multi Pet Discount, One Annual Deductible
🦮 Unlimited Reimbursement at Any Vet
- Covers Illnesses, Conditions & Accidents
- Add Dental & Prescription Coverage
- Wellness Plan for Routine Check-ups, Grooming & Training
- Over 18 Years of Pet Insurance Expertise
🐕 Pet Insurance Starting as low as $10 per Month
- Save Big on Tests, Vaccines & Essential Care
- Coverage for Spaying, Neutering & Microchipping Available
- Up to 10% Off with Bundle or Multi-Pet Discount
- Unclaimed Premiums are Donated to Charities of Your Choice
*Not available in all states.
🦴 Covers Exam Fees + 10% Multi-Pet Discount
- Up to 90% Cash Back at Any US Vet
- Complete Coverage, Accident-Only & Preventive Care
- Behavioral Issues, Dental & Hereditary Conditions
- Customizeable Plans to Fit Your Budget
🐶 Affordable Plans Starting at Less than $1/Day
- Save Up to 90% on Vet Bills
- Flexible Coverage, No Upper Age Limits
- Providing Comprehensive Pet Insurance for Over 900,000 Pets
- Multiple Wellness Plan Options
🐕🦺 Flexible Premium & Deductible Options
- No Maximum Annual or Lifetime Payouts
- No Enrollment or Administrative Fees
- Most Claims Processed Within 2 Days
- Trusted by More than 620,000 Pet Parents
🔥 Get up to 90% Cash Back on Vet Bills
- Covers Accidents, Illness & Preventive Care
- Prescriptions, Specialists, Dental and more
- Visit Any Vet in the US, 24/7 Vet Helpline
- 10% Multi Pet Discount, One Annual Deductible
What is the best pet insurance for dogs and cats?
The best pet insurance offers comprehensive coverage for accidents, illnesses, and routine care, with flexible plans to fit any budget. Look for a top rated pet insurance provider with a high reimbursement rate, low deductibles, and no caps on payouts. Quick claim processing and excellent customer service are also key factors. Ensure the policy covers breed-specific conditions and provides options for wellness coverage to keep your pet healthy. Compare pet health insurance plans and choose the best dog insurance or cat insurance from the trusted providers above.
How does pet insurance work?
Medical insurance for dogs and cats helps cover your furry friend's medical expenses. You pay a monthly premium, and when your pet needs care, you can visit any licensed vet and pay the bill. Then, you submit a claim to your insurance provider who reimburses you for a portion of the costs based on your policy's coverage and deductible.
Is pet insurance worth it?
Pet health insurance can be worth it for many pet owners, as it helps cover unexpected veterinary costs. By paying a monthly premium, you can save significantly on expensive treatments. For instance, pet surgeries can cost over $5,000, while cancer treatments can exceed $10,000. With medical insurance for pets, you could be reimbursed for up to 90% of these costs. Pet insurance ensures your pet gets the necessary treatments and the best possible care, without having to make tough decisions based on cost.
Spot Pet Insurance
Coverage Options:
Spot Pet Insurance provides accident-only, illness, and wellness plans with flexible coverage options. Pet owners can customize coverage levels, adjust deductibles, or cancel anytime without penalty. Premiums vary based on pet age, breed, and location, with reimbursement rates ranging from 70% to 90%. Discounts are available for multiple pets.
- Accident-Only Plan: Covers injuries resulting from accidents, such as broken bones, bite wounds, and swallowed objects. This plan does not cover illnesses.
- Accident & Illness Plan: Includes everything in the Accident-Only Plan, plus coverage for illnesses like cancer, infections, and chronic conditions. Policyholders can choose annual coverage limits ranging from $2,500 to unlimited, with reimbursement options of 70%, 80%, or 90%, and deductibles between $100 and $1,000.
- Preventive Care Add-Ons: Optional add-ons that reimburse for routine care such as vaccinations, annual exams, dental cleanings, and flea/heartworm prevention. Policyholders can select from different levels of coverage to suit their needs.
Additional Benefits:
Spot includes coverage for alternative therapies, behavioral treatments, and microchipping. Access to a 24/7 vet helpline is also provided for added peace of mind.
Exclusions and Limitations:
Excludes pre-existing conditions, elective procedures, and certain breed-specific issues. Waiting periods include 14 days for illnesses and two days for accidents.
Claims Process:
Claims can be filed online or via the Spot app, with quick reimbursement through direct deposit or check.
Embrace Pet Insurance
Coverage Options:
Embrace Pet Insurance provides accident-only, illness, and wellness plans with flexible coverage options. Pet owners can adjust coverage, switch plans, or cancel anytime without penalty. Premiums vary by pet age, breed, and location, with customizable deductibles and standard co-pays. Discounts are available for multiple pets and military families.
- Comprehensive Coverage: Covers accidents, illnesses, genetic conditions, cancer treatments, emergency care, and more. Policyholders can choose annual coverage limits ranging from $5,000 to unlimited, with reimbursement options of 70%, 80%, or 90%, and deductibles between $100 and $1,000.
- Essential Protection: Designed for pets aged 15 and older, this plan covers injuries from accidents such as broken bones, bite wounds, and swallowed objects. It includes a $5,000 annual limit, a $100 deductible, and a 90% reimbursement rate.
- Preventative Care Coverage: An optional add-on that reimburses for routine care such as vaccinations, annual exams, spaying/neutering, dental cleanings, and grooming. Policyholders can select annual reimbursement levels of $250, $450, or $650.
Additional Perks:
Unique benefits include coverage for alternative therapies, behavioral treatments, and even travel coverage.
Exclusions and Limitations:
Exclusions include pre-existing conditions, breed-specific issues, and certain treatments. Waiting periods apply for accidents, illnesses, and orthopedic conditions.
Claims Process:
Embrace makes claim submission easy through its app, online portal, or phone. Reimbursements are typically processed within 10-15 business days.
Lemonade Pet Insurance
Coverage Options:
Lemonade Pet Insurance offers accident and illness coverage with customizable plans. Pet owners can adjust deductibles, reimbursement rates, and annual coverage limits. Monthly premiums vary based on pet breed, age, and location. Preventive care add-ons are available for routine wellness needs.
- Accident & Illness Plan: Covers unexpected accidents and illnesses, including diagnostics, procedures, medications, and hospitalization. Policyholders can select reimbursement rates of 70%, 80%, or 90% and annual limits ranging from $5,000 to $100,000.
- Preventive Care Add-Ons: Optional wellness packages cover routine exams, vaccinations, parasite testing, dental cleanings, and heartworm/flea prevention. Two tiers are available, allowing flexibility for pet owners.
Additional Benefits:
Policyholders can bundle pet insurance with Lemonade's other offerings, such as renters and homeowners insurance.
Exclusions and Limitations:
Pre-existing conditions, elective procedures, and breed-specific hereditary conditions are not covered. Waiting periods include 14 days for illnesses and two days for accidents. Cruciate ligament injuries have a six-month waiting period.
Claims Process:
Lemonade's AI-driven claims process allows quick and seamless claims filing through their mobile app, with reimbursements typically processed within minutes for eligible claims.
Pets Best Pet Insurance
Coverage Options:
- BestBenefit Accident and Illness: Covers accidents, illnesses, surgeries, cancer, hereditary conditions, and more. Customizable coverage levels to fit budgets.
- Accident Only: Covers incidents like injuries and poisoning.
- Routine Care Add-Ons: Plans for wellness, vaccines, and dental cleanings. No deductible; coverage starts next day.
Additional Benefits:
Covers alternative therapies, dental, and behavioral issues. Valid with any licensed vet in the U.S., Canada, or Puerto Rico.
Cost and Pricing:
Premiums vary by pet age, breed, and location. Reimbursement options are 70%, 80%, or 90%. No age limits for coverage.
Exclusions and Limitations:
Excludes pre-existing conditions and elective procedures. 3-day wait for accidents, 14-day for illnesses.
Claims Process:
Submit claims online or via the app. Quick reimbursement through direct deposit or check.
Healthy Paws Pet Insurance
Coverage Options:
Healthy Paws offers one simple plan that provides you and your pet with no caps on claim payouts. You can visit any licensed veterinarian and your Healthy Paws plan will reimburse you based on your actual vet bill, as opposed to some plans that reimburse based on what they think the treatment for a specific condition should cost.
- Comprehensive Accident & Illness Plan: covers new accidents and illnesses including injuries, cancer, genetic conditions, alternative and emergency care.
Additional Benefits:
Healthy Paws offers coverage for alternative treatments such as acupuncture and chiropractic care.
Costs and Reimbursement:
Premiums vary based on pet breed, age, and location. Reimbursement rates range from 70% to 90%, with flexible deductibles.
Exclusions and Limitations:
Excludes pre-existing conditions, elective procedures, and preventative care. A 15-day waiting period applies for illnesses and two days for accidents.
Claims Process:
Claims can be filed online or through the Healthy Paws mobile app. Most claims are processed within two days, with direct deposit or check reimbursement.