Pet owners seek reliable pet insurance that balances coverage, cost, and claims speed. In 2025, top providers stand out through customizable plans, unlimited payouts, fast reimbursements, and strong customer satisfaction. This data-driven ranking draws from major reviews (U.S. News, Forbes Advisor, NerdWallet, Consumer Reports, and user feedback) to highlight the best options for dogs and cats.
1. ASPCA Pet Health Insurance
ASPCA Pet Health Insurance tops many 2025 rankings for its broad coverage and flexibility. It offers accident-and-illness plans with customizable deductibles ($100–$500), reimbursement rates (70–90%), and annual limits up to unlimited. Wellness add-ons cover routine care, and it includes horses in select states. Policyholders praise its 24/7 vet helpline and no upper age limit. Average monthly premiums hover around $50–$80 for dogs and $30–$50 for cats.
2. Trupanion
Trupanion earns high marks for its lifetime coverage model with no annual or per-condition limits. It covers accidents, illnesses, and hereditary conditions (after waiting periods) with direct vet payment options. Customers highlight fast claims (often within days) and 98% renewal rates. Premiums start higher ($60–$120/month for dogs), but unlimited payouts make it ideal for chronic issues.
3. Pets Best
Pets Best shines for affordability and direct vet payment. It provides up to 90% reimbursement, unlimited annual limits, and low deductibles starting at $50. Coverage includes prescription food and alternative therapies. Forbes Advisor and other sites rank it among the top for cats. Monthly costs often fall below industry averages ($40–$70 for dogs).
4. Figo Pet Insurance
Figo stands out with “Powerups” add-ons like lost pet rewards, liability coverage, and boarding fees. It offers 100% reimbursement options, short waiting periods, and dental illness coverage. Forbes Advisor praises its value for dogs. Premiums remain competitive ($45–$90/month).
5. Lemonade Pet Insurance
Lemonade delivers low rates and a user-friendly app. It covers accidents, illnesses, and some curable pre-existing conditions after waiting periods. Bundling with other policies saves 10%, and it donates unclaimed premiums to charities. Ideal for young pets, with strong Reddit and review scores.
6. Embrace Pet Insurance
Embrace offers healthy pet discounts (up to 10% for low claims) and covers curable pre-existing conditions after 12 months. It includes behavioral therapy and alternative treatments. Waiting periods shorten with vet waivers. Premiums suit medium-risk breeds ($50–$100/month).
7. Spot Pet Insurance
Spot provides comprehensive plans with 24/7 telehealth and prescription food coverage. It covers hereditary conditions and offers multi-pet discounts. High Trustpilot ratings reflect quick claims (2–10 days). Costs align with averages ($50–$90/month).
8. Pumpkin Pet Insurance
Pumpkin features 90% reimbursement for seniors and short 14-day orthopedic waiting periods. It covers behavioral therapy and end-of-life costs. Strong for cats and wellness-focused owners.
9. MetLife Pet Insurance
MetLife covers exotics and offers family plans with shared deductibles. It includes short waiting periods and direct payment options. Good for multi-pet households.
10. Healthy Paws
Healthy Paws provides unlimited coverage with no per-condition limits. It covers alternative therapies and processes claims digitally. Popular for high-risk breeds.
Key Comparison Factors
| Rank | Company | Best For | Avg. Monthly Cost (Dog) | Unlimited Coverage | Direct Vet Pay | Multi-Pet Discount |
|---|---|---|---|---|---|---|
| 1 | ASPCA | Customizable plans | $50–$80 | Yes | No | Up to 10% |
| 2 | Trupanion | Chronic conditions | $60–$120 | Yes | Yes | No |
| 3 | Pets Best | Affordability | $40–$70 | Yes | Yes | 5% |
| 4 | Figo | Add-ons | $45–$90 | Yes | No | 5–10% |
| 5 | Lemonade | Young pets | $40–$80 | Yes | No | 10% (bundle) |
| 6 | Embrace | Healthy pet discounts | $50–$100 | Yes | No | 10% |
| 7 | Spot | Quick claims | $50–$90 | Yes | No | Yes |
| 8 | Pumpkin | Seniors | $50–$90 | Yes | No | 10% |
| 9 | MetLife | Exotics & families | $50–$85 | Yes | Yes | Shared deductible |
| 10 | Healthy Paws | Unlimited simplicity | $50–$100 | Yes | No | No |
Final Thoughts
The best pet insurance in 2025 depends on your pet’s breed, age, and needs. Enroll young to avoid pre-existing exclusions and lock in lower rates. Compare quotes from multiple providers, read sample policies, and prioritize unlimited coverage for peace of mind. Pet insurance transforms unpredictable vet bills into manageable monthly payments—choose one that fits your budget and lifestyle today.