Logo
Icon Time
Last updated March 2025

2025’s Best Pet Insurance Plans

Your furry friend deserves the very best care. Trusted by over 10,000 pet owners since 2020, these plans deliver the coverage you need, at great value.

  • Top brands offering excellent service and fast claims payouts
  • Guaranteed lowest prices with exclusive deals
  • Accepted by all vets across the United States
Hero Cat And Dog
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 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
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
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
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 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
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
$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
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
  • 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
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.
$71.74/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
See Plans
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.
$26.31/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
Best Overall

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 “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
Back up to Plans

To keep Pet Insurance Gurus a free online resource, we may receive advertising/referral fees when you buy a pet insurance policy through links on this page. Our extensive, unbiased research of each insurance provider, and how they compare against each other also influences the rankings. We do not feature every insurance product on the market, rather we only showcase the most trusted insurance providers. Listings on this page do not imply endorsement. Learn more on our Terms of Service page.

cross