Pets are family—and just like any family member, they deserve quality healthcare. But vet bills can be shockingly expensive, especially when accidents or serious illnesses occur. That’s where pet insurance becomes essential.
In 2025, more pet owners than ever are turning to insurance plans to protect their furry friends and their finances. Whether you’re a new pet parent or looking to switch policies, this guide will help you choose the best pet insurance for your needs this year.
Why Pet Insurance Matters in 2025
Veterinary costs have continued to rise. A single emergency visit can cost over $1,000. Surgeries and chronic condition treatments can run into the thousands. With pet insurance, you get peace of mind knowing you won’t have to choose between your pet’s life and your savings.
Benefits of pet insurance:
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Coverage for accidents, illnesses, surgeries, and medications
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Access to the best vets and specialists
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Reimbursement for emergency care
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Optional wellness add-ons for routine care (vaccines, exams)
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Predictable monthly costs
Key Features to Look For
When comparing pet insurance plans in 2025, consider these essential features:
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Customizable coverage – Choose the deductible, reimbursement rate, and max annual payout
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Fast claims process – Get reimbursed quickly through apps or online portals
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Chronic condition coverage – Important for pets with diabetes, allergies, or arthritis
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Hereditary condition coverage – Especially for purebred dogs and cats
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No lifetime limits – Ensures long-term support for aging pets
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Wellness coverage – Optional, but useful for vaccines, dental cleanings, and annual exams
Top Pet Insurance Providers in 2025
Here are the best pet insurance companies this year based on value, coverage, reputation, and customer service:
1. Healthy Paws Pet Insurance
Best for: Unlimited lifetime coverage
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Average Monthly Cost: $35–$70
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Coverage Highlights:
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Unlimited annual and lifetime benefits
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70%–90% reimbursement options
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Covers accidents, illnesses, cancer, emergency care
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Fast claims via mobile app (most within 48 hours)
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Waiting Period: 15 days for illness/accidents
Why it’s great: Simple, transparent, and trusted. Healthy Paws is consistently rated the #1 insurer by pet owners.
2. Spot Pet Insurance
Best for: Customizable plans and wellness coverage
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Average Monthly Cost: $25–$60
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Coverage Highlights:
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Choose your deductible, payout limit, and reimbursement rate
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Optional wellness plans
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Covers chronic, hereditary, and behavioral issues
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24/7 telehealth for pets
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Waiting Period: 14 days
Why it’s great: Spot gives you flexibility. Ideal if you want to tailor a policy to your pet’s needs and budget.
3. Lemonade Pet Insurance
Best for: Tech-savvy pet owners and fast claims
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Average Monthly Cost: $10–$45
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Coverage Highlights:
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Fast, AI-driven claims processing
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Preventive care add-ons
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Covers diagnostics, injuries, surgeries, and medications
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10% bundle discount if you use Lemonade for renters/home insurance
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Waiting Period: 2 days (accidents), 14 days (illness)
Why it’s great: Lemonade’s clean interface and quick reimbursements make it a favorite for younger pet parents.
4. Embrace Pet Insurance
Best for: Comprehensive coverage and optional wellness
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Average Monthly Cost: $30–$60
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Coverage Highlights:
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Includes exam fees and alternative therapies
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Wellness Rewards (reimbursement for routine care)
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Diminishing deductible each year you don’t file a claim
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Coverage for curable pre-existing conditions after 12 months
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Waiting Period: 2 days (accidents), 14 days (illness)
Why it’s great: Embrace goes above and beyond with unique perks like a vanishing deductible and flexible wellness options.
5. Figo Pet Insurance
Best for: 100% reimbursement option and cloud-based pet management
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Average Monthly Cost: $25–$55
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Coverage Highlights:
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70%, 80%, 90%, and 100% reimbursement levels
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Cloud-based mobile app to manage pet records and claims
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No upper age limits
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Optional wellness and vet exam coverage
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Waiting Period: 1 day (accidents), 14 days (illness)
Why it’s great: Figo is perfect for tech-savvy users who want an all-digital experience with full control over coverage levels.
Cost Comparison: Average Monthly Premiums (2025)
| Provider | Dog Coverage | Cat Coverage | Wellness Add-on |
|---|---|---|---|
| Healthy Paws | $45–$70 | $30–$50 | Not available |
| Spot | $30–$60 | $20–$40 | Yes |
| Lemonade | $20–$45 | $10–$25 | Yes |
| Embrace | $35–$60 | $25–$45 | Yes |
| Figo | $25–$55 | $15–$35 | Yes |
Note: Prices vary based on pet’s age, breed, and location.
What Does Pet Insurance Typically Cover?
| Covered Expenses | Included in Most Plans |
|---|---|
| Accidents (broken bones, poisoning) | ✅ |
| Illnesses (infections, cancer) | ✅ |
| Emergency care | ✅ |
| Surgeries & hospitalization | ✅ |
| Prescription medications | ✅ |
| Hereditary and chronic conditions | ✅ (varies by plan) |
| Wellness (vaccines, dental, exams) | ➖ (optional add-on) |
| Pre-existing conditions | ❌ (typically not) |
Tips for Choosing the Right Pet Insurance
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Enroll early – The younger your pet, the lower the monthly premium and the fewer exclusions.
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Compare reimbursement levels – 70%, 80%, and 90% options are standard. Choose based on how much out-of-pocket cost you can afford.
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Check for breed-specific exclusions – Some providers have restrictions for breeds prone to hereditary conditions.
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Read the fine print – Understand what’s excluded and any waiting periods.
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Use vet bill calculators – Some insurers provide tools to estimate how much you’ll save.
Final Thoughts
In 2025, pet insurance is no longer optional for many pet owners—it’s a smart financial tool and a way to ensure your pet receives the best care possible.
Whether you want simple accident coverage or a fully loaded policy with wellness care, the providers listed above offer the best pet insurance plans in the U.S. this year. Be sure to compare quotes, read policy details, and choose the plan that fits your pet’s unique health needs and your budget.
Because pets aren’t just animals—they’re family.