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Last updated October 2025

2025’s Best Pet Insurance Plans

Over 100,000 pet owners have trusted our free service to compare and choose the best pet insurance—with the guaranteed lowest price, no risk.

Plus, when you buy pet insurance through us we donate $15 to the following charities—giving a helping paw to pets and animals in need!

Hero Cat And Dog
All Pets
Cats
Dogs
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$23.44/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around pet insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1

79,253 people ranked Lemonade as 4.9 on

Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$39.56/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$40.79/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$54.26/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$30.38/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit
  • Founded in 2019 and underwritten by Trisura Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$51.87/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Embrace offers multi-pet discounts, exam fee coverage, and a free 24/7 pet helpline
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$106.53/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$55.89/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • After a 365 day waiting period and continuous coverage, AKC may cover curable pre-existing conditions
  • AKC offers a 24/7 Vet Helpline to speak directly with a vet professional about your pet's health
  • Founded in 2003 and underwritten by Independence American Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$45.70/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • MetLife allows up to three pets on one deductible and has holistic therapy coverage with many customizable options
  • They are unique in that they offer virtually no waiting period on specific expenses
  • Founded in 1868 and underwritten by Metropolitan General Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$49.32/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Liberty Mutual makes it easy to save on pet insurance via bundling discounts
  • They offer lifetime coverage which means your policy will not be automatically terminated due your pets age
  • Founded in 1912 and underwritten by Liberty Mutual Holding Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Show More
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$23.44/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around pet insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
Best Overall
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$16.94/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around cat insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1

79,253 people ranked Lemonade as 4.9 on

Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$20.63/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$23.89/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$17.36/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets
  • Founded in 2019 and underwritten by Trisura Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$21.37/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Pumpkin Cat Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$28.51/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$39.87/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$22.55/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • After a 365 day waiting period and continuous coverage, AKC may cover curable pre-existing conditions
  • AKC offers a 24/7 Vet Helpline to speak directly with a vet professional about your pet's health
  • Founded in 2003 and underwritten by Independence American Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$20.72/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • MetLife allows up to three pets on one deductible and has holistic therapy coverage with many customizable options
  • They are unique in that they offer virtually no waiting period on specific expenses
  • Founded in 1868 and underwritten by Metropolitan General Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$27.61/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Liberty Mutual makes it easy to save on pet insurance via bundling discounts
  • They offer lifetime coverage which means your policy will not be automatically terminated due your pets age
  • Founded in 1912 and underwritten by Liberty Mutual Holding Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Show More
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$16.94/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around cat insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
Best Overall
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$26.31/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around cat insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1

79,253 people ranked Lemonade as 4.9 on

Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$44.84/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$46.24/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$32.63/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets
  • Founded in 2019 and underwritten by Trisura Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$63.48/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Pumpkin Cat Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$57.71/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$123.20/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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$55.25/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Liberty Mutual makes it easy to save on pet insurance via bundling discounts
  • They offer lifetime coverage which means your policy will not be automatically terminated due your pets age
  • Founded in 1912 and underwritten by Liberty Mutual Holding Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$51.94/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • MetLife allows up to three pets on one deductible and has holistic therapy coverage with many customizable options
  • They are unique in that they offer virtually no waiting period on specific expenses
  • Founded in 1868 and underwritten by Metropolitan General Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$64.22/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • After a 365 day waiting period and continuous coverage, AKC may cover curable pre-existing conditions
  • AKC offers a 24/7 Vet Helpline to speak directly with a vet professional about your pet's health
  • Founded in 2003 and underwritten by Independence American Insurance Company
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Show More
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$26.31/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around cat insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • 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
See Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
Best Overall

Ranking Methodology

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

  • Based on a weighted national average monthly price based on a 2-year-old Labrador Retriever and 2-year-old American Shorthair with a $500 deductible and this is how we calculate the “average 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
  • Claim satisfaction

Frequently Asked Questions

We don't accept payment for listings or ranking changes. Every provider is shown based on merit — never financial gain.

Pet Insurance Gurus is an A+ rated, BBB-accredited business. Since 2020, we've helped over 100,000 pet owners protect their furry family members. Unlike many competitors, we're a U.S.-based company headquartered in San Francisco, California.

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We may earn a commission if you buy a policy through one of our links which allows us to keep our service free. Companies can't pay to appear in or influence our rankings — our recommendations are 100% independent.

Pet Insurance prices are regulated by law. You won't find a lower price anywhere else for a policy found on Pet Insurance Gurus.

No matter which pet insurance provider you choose, U.S. law gives you 30 days to cancel for a full refund—no questions asked, as long as no claims are made. Check pet insurance off your list and enjoy instant peace of mind with fast sign-up and immediate coverage from most plans.

You don't pay anything to use this site. If you click a link and buy a policy, we may earn a commission from a pet insurance provider, however, this does not affect how we rank or recommend plans.

We don't collect personal information. You can browse our website and compare pet insurance providers with complete privacy — no phone number, no email, and no personal details are required.

To help you compare, we show the average cost of a standard policy for a 2-year-old Labrador Retriever Dog and a 2-year-old American Shorthair Cat, across all 50 US states. Since your pet is unique, your final quote will be different — click through to your provider choice for a personalized quote.

When you buy pet insurance through us we donate $15 to the following charities — giving a helping paw to pets and animals in need!

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We help you narrow your options and build confidence in your shortlist. Every pet and owner is different, so the final decision will always be yours.

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