Best Pet Insurance in 2025 (Your Guide to the Top 10 Companies)

Top Pick for Pets: Nationwide

3,019 reviews

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4.0

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Company Facts

Full coverage for Pets

$49/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Great rates for teen drivers
• Great rates for people with bad credit
• Usage-based savings options
• A+ ratings with A.M. Best and the BBB
• Discounts options
• Various coverages
• Excellent customer service options
• Excellent claims handling
• Many options for bundling services
• Good rates when adding a teen driver to a policy
• A pay-per-mile insurance option
• Coverage in 46 states
• Customizable policies

• Pricey policies
• Low customer satisfaction with the claims process
• No option for rideshare coverage
• High premiums for individuals with a DUI
• High premiums for individuals with accidents on their record
• Low overall customer satisfaction ratings

» Nationwide Pet Insurance Review

3,019 reviews

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Best Coverage for Pets: Geico

19,116 reviews

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4.1

Company Facts

Full coverage for Pets

$40/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Pet Insurance Review

19,116 reviews

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Best Plans for Pets: Progressive

13,128 reviews

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4.1

Company Facts

Full coverage for Pets

$46/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Pet Insurance Review

13,128 reviews

Compare Rates →

Nationwide, Geico, and Progressive offer the best pet insurance, with minimum monthly coverage rates of as low as $14. Nationwide leads for its comprehensive plans at an affordable cost.

Geico stands out for its unique flexible plans and extensive coverage, such as acupuncture and behavioral therapy for pets, and Progressive excels for its wide range of illness benefits, such as accident-only coverage and dental coverage.

Our Top 10 Company Picks: Best Pet Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A+	Comprehensive Plans	Nationwide
	#2	25%	A++	Flexible Plans	Geico
	#3	10%	A+	Flexible Coverage	Progressive
	#4	17%	B	Reliable Service	State Farm
	#5	25%	A+	Customizable Options	Allstate
	#6	25%	A	Pet Care Discounts	Liberty Mutual
	#7	13%	A++	Multi-Pet Discounts	Travelers
	#8	25%	A+	Local Support	Erie
	#9	20%	A	Affordable Rates	Farmers
	#10	30%	A+	Trusted Reputation	Amica

This pet insurance guide will help you review different insurance companies, and we will help you find the best pet insurance suited for your budget and your pets’ needs.

#1 — Nationwide: Top Overall Pick

Pros

• Best Pet Insurance With Broad Coverage: Includes accidents, illnesses, hereditary conditions, and wellness care.
• Cheap Pet Insurance for Preventative Care: Covers routine exams, vaccinations, and flea/tick prevention.
• Pet Insurance for Cats and Dogs With Unlimited Lifetime Benefits: No annual or lifetime payout caps.
• Covers Exotic Pets and Birds: One of the few insurers covering reptiles, birds, and small mammals.
• Multi-Pet Discount Up to 20%: Save more when insuring multiple pets. Read the full details in our Nationwide pet insurance review.

Cons

• Limited Customization Options: Fewer deductible and reimbursement choices than competitors.
• Waiting Periods Apply: 14 days for illnesses, 12 months for cruciate ligament conditions.
• No Coverage for Preexisting Conditions: Any condition diagnosed before coverage starts is excluded.

#2 — Geico: Best for Flexible Plans

Pros

• Best Pet Insurance With Customizable Deductibles: Offers a range of options to fit any budget. You can also customize pet insurance plan using their Geico phone App.
• Cheap Pet Insurance With Multi-Pet Discounts: Get up to 25% off for multiple pets.
• Covers Chronic and Hereditary Conditions: Includes hip dysplasia, diabetes, and heart disease.
• Pet Insurance for Cats and Dogs With Alternative Therapies: Covers acupuncture, hydrotherapy, and chiropractic care.
• No Upper Age Limit for Enrollment: Seniors’ pets can still be insured.

Cons

• Dog Pet Insurance Cost Varies by Breed: Larger and high-risk breeds may have higher premiums.
• No Exotic Pet Coverage: Policies are limited to cats and dogs.
• Annual Limits on Reimbursement: Some plans cap the total amount paid per year.

#3 — Progressive: Best for Flexible Coverage

Pros

• Best Pet Insurance With Adjustable Reimbursement Rates: Choose between 70%, 80%, or 90% reimbursement.
• Cheap Pet Insurance With Basic Accident-Only Plans: Covers injuries at a lower monthly cost.
• Covers Hereditary and Congenital Conditions: Includes heart disease, hip dysplasia, and epilepsy.
• Pet Insurance for Cats and Dogs With 24/7 Vet Support: Access to telehealth consultations anytime.
• Multi-Pet Discount Up to 10%: Progressive insurance review mentioned that they also offer pet insurance, and you can even save when insuring more than one pet.

Cons

• Dog Pet Insurance Cost Increases Annually: Premiums rise as pets age.
• No Exotic Pet Coverage: Only offers plans for cats and dogs.
• Waiting Periods for Illnesses and Accidents: Requires a 14-day waiting period for illnesses and two days for accidents.

#4 — State Farm: Best for Reliable Service

Pros

• Best Pet Insurance With a Strong Reputation: Trusted provider with a long history in insurance.
• Cheap Pet Insurance With Bundling Discounts: Save up to 17% when bundling with home or auto insurance.
• Covers Chronic Conditions and Alternative Therapies: Includes hydrotherapy, acupuncture, and physical therapy.
• Pet Insurance for Cats and Dogs With No Age Limit: Senior pets are eligible for coverage.

Cons

• Dog Pet Insurance Cost Higher for Certain Breeds: Premiums vary based on breed and health risks.
• No Exotic Pet Coverage: Only covers cats and dogs.
• Wellness Coverage Costs Extra: Routine care is an add-on not included in base plans. Learn about other coverage add-ons in the State Farm digital app.

#5 — Allstate: Best for Customizable Options

Pros

• Best Pet Insurance With Adjustable Deductibles and Limits: Choose from multiple coverage levels.
• Cheap Pet Insurance With Multi-Pet Discounts: Save up to 25% for multiple pets.
• Covers Hereditary and Chronic Conditions: Includes treatment for diabetes, allergies, and hip dysplasia.
• Pet Insurance for Cats and Dogs With Alternative Therapy Coverage: Acupuncture, chiropractic, and hydrotherapy included.
• No Upper Age Limit for Enrollment: Senior pets are eligible for coverage.

Cons

• Dog Pet Insurance Cost Higher for Large Breeds: Premiums are higher for big dogs.
• No Exotic Pet Coverage: Only covers cats and dogs.
• Waiting Periods Apply: 14-day waiting period for illnesses.
• App May Not be Reliable: Some pet owners and policyholders report that its Allstate app is not working most of the time.

#6 — Liberty Mutual: Best for Pet Care Discounts

Pros

• Best Pet Insurance With Extensive Discount Programs: Offers 25% off for multi-pet policies.
• Cheap Pet Insurance With Customizable Plans: Choose from different coverage levels to fit your budget.
• Covers Hereditary and Chronic Conditions: Includes diabetes, allergies, and joint issues.
• Pet Insurance for Cats and Dogs With Dental Coverage: Liberty Mutual’s insurance review said that they cover accidents and illnesses affecting pets’ teeth.
• No Upper Age Limit for Enrollment: Older pets can still get coverage.

Cons

• No Exotic Pet Coverage: Only available for cats and dogs.
• Waiting Periods Apply for Some Conditions: 14 days for illnesses and six months for orthopedic issues.
• Routine and Wellness Care Costs Extra: Preventative care is not included in base plans.

#7 — Travelers: Best for Multi-Pet Discounts

Pros

• Best Pet Insurance With Large Multi-Pet Discounts: Save up to 13% when insuring more than one pet.
• Cheap Pet Insurance With Accident-Only Plan Option: Low-cost coverage for unexpected injuries.
• Covers Hereditary and Chronic Conditions: Includes diabetes, allergies, and hip dysplasia.
• Pet Insurance for Cats and Dogs With No Breed Restrictions: All breeds are eligible for coverage.
• Flexible Reimbursement Options: Choose 70%, 80%, or 90% reimbursement rates.

Cons

• Dog Pet Insurance Cost Varies by Location: Rates depend on where you live.
• No Exotic Pet Coverage: Only covers cats and dogs.
• Waiting Period for Illness Coverage: 14-day wait for illness-related claims.
• Routine Care and Wellness Benefits Not Included: Preventative care requires an add-on.

#8 — Erie: Best for Local Support

Pros

• Best Pet Insurance With Personalized Customer Service: Strong local agent network for assistance.
• Cheap Pet Insurance With Up to 25% Multi-Pet Discount: Lower costs for multiple pets.
• Covers Chronic and Hereditary Conditions: Includes heart disease, hip dysplasia, and arthritis.
• Uncommon Pet Coverage: Erie insurance review mentioned that it offers unusual preventive care ride benefits like pet coverage and injury protection.
• Customizable Deductible and Coverage Limits: Choose your reimbursement and payout levels.

Cons

• Dog Pet Insurance Cost Rises With Age: Older pets see increasing premiums.
• No Exotic Pet Coverage: Only available for cats and dogs.
• Waiting Periods Apply: 14 days for illnesses and six months for orthopedic conditions.
• Preventative Care Not Included in Standard Plans: Requires an additional purchase.

#9 — Farmers: Best for Affordable Rates

Pros

• Best Pet Insurance With Low Monthly Costs: Budget-friendly plans for all pet owners. If you rent, though, you can check if you can get coverage for your pet under a renter’s policy.
• Cheap Pet Insurance With Multi-Pet Discounts: Save 20% on multiple pet policies.
• Covers Chronic and Hereditary Conditions: Includes diabetes, cancer, and joint issues.
• Pet Insurance for Cats and Dogs With Alternative Therapy Coverage: Acupuncture, hydrotherapy, and physical therapy included.
• No Age Limit for Enrollment: Older pets can still receive coverage.

Cons

• Dog Pet Insurance Cost Varies by Breed: Some breeds have higher premiums.
• No Exotic Pet Coverage: Only insures cats and dogs.
• Waiting Periods Apply: 14 days for illnesses and six months for orthopedic conditions.

#10 — Amica: Best for Trusted Reputation

Pros

• Best Pet Insurance With a Strong Customer Reputation: High claims service and reliability ratings.
• Cheap Pet Insurance With Large Multi-Pet Discounts: Save up to 30% on multiple pets. Aside from that, they also offer policyholders 90% reimbursements for your pet’s bills.
• Covers Chronic and Hereditary Conditions: Includes allergies, heart disease, and hip dysplasia treatment.
• Pet Insurance for Cats and Dogs With No Annual or Lifetime Limits: No payout caps on eligible claims.
• Fast and Easy Claims Process: Quick online claims filing and reimbursement.

Cons

• Dog Pet Insurance Cost Increases Over Time: Older pets see rising premiums.
• No Exotic Pet Coverage: Limited to cats and dogs.
• Waiting Periods for Illness and Accident Coverage: 14-day wait for illnesses, two days for accidents.
• Routine Care and Wellness Benefits Cost Extra: Preventative treatments require an add-on plan.

Best Pet Insurance Rates by Provider & Coverage Level

Pet insurance is one option to boost your family’s financial stability. For example, if your pet gets hurt or becomes unwell, you can avoid paying the full cost of unforeseen vet bills by finding the best pet insurance quotes.

Pet Insurance Monthly Rates by Provider: Cats vs. Dogs

Company	Cats	Dogs
	$18	$30
	$20	$34
	$17	$28
	$21	$33
	$19	$32
	$22	$35
	$23	$37
	$18	$31
	$20	$29
	$19	$30

While pet insurance plans for hereditary and congenital disorders, accidents, and other basic issues are similar, there are variations in benefits, costs, and extras.

Pet Insurance Average Premiums for Dogs by Age

	Monthly Rates
2	$30
4	$35
6	$40
8	$55

Also, if you own a service animal, you can check the best pet insurance company to get your companion insured.

Pet insurance for cats is typically less expensive than pet insurance for dogs.

Pet Insurance Average Premiums for Cats by Age

	Monthly Rates
2	$15
4	$18
6	$22
8	$28

However, the precise cost of insuring your pet will vary depending on several factors, not only the insurance you select.

When you file for pet insurance for your animal companion, you should take into account various discounts from these top pet insurers to get the best affordable pet insurance fit for your budget and your furbabies’ needs. Pet insurance might not cover your pet’s pre-existing conditions or ailments before the policy’s start date and any waiting period.

The type of pet insurance plan you purchase will determine what is covered. What are the types of pet insurance? There are primarily three main plans:

• Accident and illness plans: These plans typically cover broken bones, inherited disorders, congenital conditions, cancer, and more.
• Accident-only strategies: Accident-only coverage only pays for accident-related incidents, like a broken bone.
• Wellness plans: You can sometimes get a pet insurance add-on for basic treatments like your pet’s annual wellness exam, immunizations, heartworm medication, and other regular care expenses.

In addition, getting comprehensive pet insurance for your home animals is suggested for their future protection and to avoid financial stress.

For more options, you can check providers other than the top 10 pet insurers in this article, like Embrace pet insurance or 24watch pet insurance.

Factors That Affect the Cost of Pet Insurance

Based on the following variables, pet insurance costs can vary:

• Pet’s age and breed: Purebreds typically cost more to insure than mixed-breed pets. No matter the breed, premiums rise with age. In addition, your options for insurance will dramatically decrease after your dog or cat reaches 10 or 12.
• Location: Pet insurance is frequently more expensive for animals that reside in cities, particularly along the beaches.
• Deductibles: You can usually choose your deductible or the amount you must pay out of pocket before your insurance policy begins to provide benefits. Remember that while annual deductibles for all treatments are typical, certain employers may also impose incidental or conditional deductibles.
• Preventative care add-ons: An accident or illness coverage plan provides the best value, but you can also include preventative care coverage. Comprehensive insurance refers to policies covering routine medical care and treatment for accidents or illnesses.

Pet insurance costs more than just the premiums — you’ll probably still have to pay out-of-pocket costs even after the insurance begins to pay. So while planning your budget for your pet’s insurance coverage, keep the following in mind:

• Reimbursements: You pay for all veterinarian visits and associated costs before requesting a reimbursement, though some providers may offer direct payment to vets. Plans usually reimburse 70% to 90% of covered expenses.
• Payout caps: After you’ve used up all of your policy’s maximum coverage, most plans stop paying out. Most pet insurance has an annual expense cap, but others include caps for each disease or injury or even for the entire animal’s life. For greater caps, be prepared to pay higher rates.

Pet insurance is a great way to provide financial protection for your pet in the event of illness or injury. However, it is important to be aware of the additional costs involved in pet insurance. Before you decide on a plan, research all the costs associated with the policy to ensure you get the best pet insurance quotes for your buck.

What is insurance for pets?

A health insurance plan for your pet called pet insurance covers medical bills and other expenses. Reimbursement-based pet insurance policies often require you to pay the pet’s medical expenses upfront before filing a claim with the insurance provider. However, a few businesses can make direct payments to the veterinarian, minimizing your out-of-pocket expenses.

Usually, there’s a deductible before coverage begins. For instance, you might have to pay the initial $500 in veterinary expenses before your pet insurance begins to cover them.

Pet insurance may not cover all of your medical expenses, even if you pay your deductible. Often, you can choose your refund amount, with typical reimbursements of 70%, 80%, or 90% of your veterinary expenses.

What else can affect the choice of pet insurance coverage?

A few more aspects can influence your choice of pet health insurance coverage. Most businesses in our ranking provide various customer service alternatives, including mobile app access, email, phone, and online chat help. You can discover insurance that suits your preferences for policy administration and claims handling by looking at customer service and support alternatives.

It is also important to consider any add-on or additional coverage you might want. For example, several businesses in our review provide wellness or complementary care packages, including hydrotherapy, acupuncture, and chiropractic care. When all else is equal, considering your alternatives for extra coverage and customer support might assist you in making your choice.

How to Pick the Best Pet Insurance Provider for Your Needs

Several factors must be considered when looking for pet health insurance. You can find the best company and coverage for you and your pet by following the tips below.

First, you should consider the policy type you require for your pet. Typically, pet owners have three options for insurance policies:

• Accident and illness insurance: Covers treatment for cancer, UTIs, ear infections, broken bones, and ingested items.
• Health insurance: Covers standard procedures, including immunizations, examinations, spaying and neutering, and nail trimming.
• Exotic pet insurance: For animals other than cats or dogs, such as hamsters, rabbits, geckos, and snakes. Learn more about exotic pet ownership here.

After you choose your policy, determine what it does and doesn’t cover, like any ailments, diagnostic procedures, and treatments it covers. Note any restrictions, age exclusions, or other limitations.

Types of Pet Insurance Coverage by Provider

Insurance Company	Accident & Illness	Accident-Only	Wellness Plan
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	✅
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌

For example, if you have a breed of pet predisposed to inherited or congenital illness, like hip dysplasia or asthma, ensure your policy covers treatment for them. Generally, pet insurance doesn’t cover preexisting conditions.

You should also define your deductible — or the out-of-pocket amount — before an insurer pays out a claim. The businesses in our rating often provide two categories of deductibles:

• Yearly deductibles: What is an annual deductible? Yearly deductibles are comparable to health insurance plans. You must pay an annual sum, like $500, for any insured care, regardless of the kind. Any additional expenses that fall within your coverage limitations get paid for by the insurer after you meet your deductible.
• Per-condition deductibles: A group of deductibles unique to various situations is called a per-condition deductible. For instance, a policy may have a different deductible for conditions including liver illness, cancer, heart disease, and arthritis.

An annual deductible might be less expensive if your pet needs to see the vet more than once a year, and each visit is for a new injury or illness. On the other hand, a per-condition deductible might be more affordable if your pet gets sick or has a problem that requires ongoing care or frequent visits but doesn’t have any other problems.

Both deductibles have advantages and disadvantages, but neither is fundamentally superior. Finding the best pet insurance with affordable pet insurance costs can be difficult.

However, factors such as your pet’s breed type and age, pre-existing illnesses, and location can determine how much your premium rates would be for the best insurance for your pets.

Pet Insurance Discounts From the Top Providers

Insurance Company	Available Discounts
	Multi-Policy, Multi-Pet, Claim-Free, Automatic Payments, Paperless Billing, Early Enrollment, Early Renewals, Bundling with Auto/Home, No-Claims Bonus, Group Membership Discounts
	Loyalty, Bundling, No-Claims Bonus, New Policyholder, Pay-In-Full, Multi-Year Renewal, Pet Wellness Plan, Referral Discounts
	Multi-Policy, Long-Term Customer, Annual Payment, Pay-In-Full, Safe Pet Owner Discount, Bundling, Claim-Free Discounts, Group Membership Discounts
	Multi-Policy, Responsible Pet Owner, Paperless Billing, Early Signing, New Pet Enrollment, Pay-In-Full, No Claims, Long-Term Customer Discounts
	Multi-Pet, Membership Discounts, Early Enrollment, Claim-Free, Pay-In-Full, Bundling, Military Discounts, Senior Discounts, Loyalty Discounts
	Multi-Policy, Early Enrollment, Pay-In-Full, Paperless, Multi-Year Loyalty Discounts, Claim-Free, Long-Term Customer, Group Discounts
	Multi-Pet, Wellness Plan Discounts, Automatic Renewal, Safe Pet Owner, Long-Term Customer, Paperless Billing, No-Claims Bonus, Pay-In-Full
	Multi-Policy, Online Enrollment, Paperless, Pay-In-Full, Loyalty, No-Claims Bonus, Claim-Free, Senior Discounts, New Policyholder Discounts
	Multi-Policy, Safe Home Discount, Long-Term Customer, Claim-Free, Bundling, Paperless Billing, Auto-Pay, New Pet Discounts
	Multi-Pet, Bundling Discounts, Pay-In-Full, Claim-Free, Paperless, Multi-Policy Loyalty, Early Enrollment, Annual Payment, Referral Discounts

If you’re still looking to save on your pet insurance coverage, consider the following tips below:

• Choose a reimbursement percentage. Find a reimbursement percentage with monthly rates you can afford. The percentages of your veterinary charges that are typically reimbursed range from 60% to 100%, depending on the insurer.
• Find out what restrictions are available. Limits are the maximum sums that an insurer will cover (for example, $10,000 per year). While some insurers don’t have yearly limits, others do. If a policy contains an annual cap, your insurance company will only pay out costs up to that cap. You must pay for further expenses until the following policy year.
• See if you can alter your premiums. Some insurers allow consumers to tailor their premiums if they change one or more policy components. For example, you could get lower premiums if you lower your payout thresholds and reimbursement rate or increase your deductible. However, each adjustment could result in higher out-of-pocket costs.
• Look for exclusive offers. Some insurers provide discounts that can lower coverage costs. Discounts come in various forms and aren’t always available, though they could be for annual pay, multiple pets, military service, or employee benefits. For instance, Nationwide gives a 5% discount if you bundle other policies you have with the company, like home insurance.

While comparing pet insurance quotes can be discouraging, there are various ways for customers to find a policy that fits their needs and budget.

Claims Process by Top Providers for the Best Pet Insurance

Another factor you should consider when looking for the best pet life insurance for your furry companion is how pet insurers handle their claims processes and payouts.

Pet Insurance Claims Process by Provider

Insurance Company	Claim Filing Method	Average Claim Approval Time	Reimbursement Method	Mobile App Support	Direct Vet Payment Available
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, email, mail, fax	3-5 days	Check or direct deposit	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No

We have provided a list of the best pet insurance for your selection. Knowing this information can help you narrow down cheap pet insurance costs for your and your furry friend’s protection.

Read more: Healthy Paws Pet Insurance Review & Complaints

How We Conducted the Best Pet Insurance Analysis

Getting the best pet insurance for your four-legged friends at home can sometimes be overwhelming. Most pet insurance policies cover situations where your pet gets hurt or ill, and the policy occasionally gets divided into different accident and illness policies. However, wellness policies, plans, and riders are rare. Many businesses offer distinct wellness insurance policies, like Nationwide pet insurance that offers routine care or preventative care rides.

One thing to watch out for is the wellness rewards program that some businesses, like Embrace, offer. While they cover check-ups and other preventative care up to a specific sum each year, they aren’t insurance policies or riders. When comparing companies that provide wellness add-ons, check to discover whether the wellness plans are insurance policies.