Keep Your Pet Protected, No Matter What Life Brings
Best Pet Insurance Companies of 2025
Protect your pet and your wallet with the best pet insurance. From unexpected accidents to routine care, find the perfect plan to keep your furry friend covered!
9.7
Exceptional
Top-Rated Pet Insurance
- High claims approval rate
- Multi-pet discount
- 30-Day money back guarantee
- Any vet, any specialist – nationwide.
- Chosen by 3,958 pet owners this week
BEST DEAL GUARANTEED!
Save 10% when you insure multiple pets!
Close Details
What We Like
- Embrace Pet Insurance offers comprehensive coverage with up to 90% reimbursement on vet bills, customizable plans, and a $100 annual deductible option. Covers accidents, illnesses, genetic conditions, prescription meds, and more. Choose any vet nationwide, enjoy fast claims processing, and get a 10% multi-pet discount. Instant quotes, no gimmicks!
What To Consider
- Wellness visits and prescriptions aren't covered unless you purchase optional add-ons.
Suitable For
- Fast Payment
- Customizable
- Emergencies Covered
- Easy Claim Process
- Multi-pet Discounts
9.5
Great
Ai-Driven Insurance for the 21st Century
- Affordable monthly premiums
- Quick AI-driven claims processing
- Optional wellness add-ons
- Covers diagnostics, procedures, and medications
BEST PRICE ON WEB DEAL
Save 10% when you bundle with other Lemonade insurance products!
More Details
What We Like
- Lemonade Pet Insurance stands out with its budget-friendly plans and lightning-fast AI claims processing. Coverage includes accidents, illnesses, medications, and even alternative therapies. Optional add-ons help cover wellness visits, vaccines, and routine care. Plus, a portion of your premium goes to charitable causes!
What To Consider
- Doesn’t cover pre-existing conditions, and some treatments (like dental cleanings) require wellness add-ons. Availability may vary by state.
Suitable For
- Fast Payment
- Customizable
- Emergencies Covered
- Easy Claim Process
- Multi-pet Discounts
9.3
Great
Pet Insurance for All Ages
- Up to 90% reimbursement
- Hassle-free claims process
- Visit any licensed vet
- No breed or age restrictions
SAVE $150 NOW!
10% off for Serving Military, Veteran, 1st Responder and Healthcare Workers
More Details
What We Like
- MetLife Pet Insurance offers straightforward, customizable plans with competitive pricing and quick claims processing. Coverage includes accidents, illnesses, chronic conditions, and even alternative therapies. There are no age or breed restrictions, and you can visit any licensed vet in the U.S. Their 24/7 virtual vet chat adds extra peace of mind, and multi-pet discounts are available.
What To Consider
- Routine and preventative care (including teeth cleanings) aren’t included unless you purchase an optional wellness plan.
Suitable For
- Multi-pet coverage
- Customizable
- Emergencies Covered
- Visit any licensed vet
9.2
Good
Comprehensive Pet Insurance
- Direct vet payments available
- Customizable coverage options
- 24/7 vet helpline
- Wellness plan add-on
More Details
What We Like
- Pets Best offers affordable and flexible pet insurance plans with customizable deductibles and reimbursement rates. Their direct vet payment option speeds up the claims process, making it convenient for pet owners. 24/7 access to a vet helpline is a major plus, providing expert guidance whenever needed. Optional wellness plans cover routine care like vaccines and dental cleanings, making Pets Best a well-rounded choice.
What To Consider
- Routine care, alternative therapies, and some specialized treatments require additional wellness plan add-ons. Pre-existing conditions are not covered, and premiums may increase as pets age.
Suitable For
- Fast Payment
- Emergencies Covered
- Cover Wellness Visits
- Preferred By Veterinarians
9.1
Good
Protect your pet and your finances
- No payout caps
- High customer satisfaction
- Fast and easy claims process
- Covers accidents, illnesses, hereditary conditions, and alternative treatments
More Details
What We Like
- Healthy Paws is a top-rated pet insurance provider known for its unlimited lifetime benefits, meaning no caps on how much you can claim. Their claims process is fast and hassle-free, with direct deposit reimbursement for quicker payouts. Coverage includes hereditary conditions, alternative therapies like acupuncture and hydrotherapy, and emergency treatments. With no per-incident, annual, or lifetime limits, pet parents can rest assured they’ll always have financial support for their pet’s medical needs.
What To Consider
- No wellness plan options—Healthy Paws only covers accidents and illnesses. Premiums may increase as pets age, and there’s a waiting period for hip dysplasia coverage in some cases.
Suitable For
- Fast Payment
- Customizable
- Emergencies Covered
- Easy Claim Process
Tip
The best pet insurance provides financial protection against unexpected vet bills, covering accidents, illnesses, and more. It ensures your pet gets the care they need while giving you peace of mind.
How We Score
Brand Reliability
Real-World Testing
Product Diversity
Our Top 3 Picks
GUIDE TO
Pet Insurance
for dogs
ABOUT PET INSURANCE
Why Should You Consider Pet Insurance?
Dogs are beloved members of the family, and caring for their health can sometimes involve unexpected expenses. From routine checkups and vaccinations to injuries and illnesses, vet bills can add up quickly. Pet insurance can offset these costs, providing peace of mind and helping you focus on what truly matters—your dog’s well-being.
Like human health insurance, you pay a premium, and the insurer reimburses eligible vet expenses, so it’s important to understand policy coverage options.
PROCESS
How Does Pet Insurance Work?
research
Choose a Policy
After researching and selecting an insurance provider, you pick a plan that suits your dog’s needs—whether that’s accident-only coverage or a comprehensive policy.
payment
Pay the Premium
Pet insurance involves a regular payment (monthly or annually). The amount depends on factors like your dog’s breed, age, and the level of coverage you choose.
veterinarian care
Visit the Vet
When your dog needs medical attention, you pay the vet bill out of pocket at first. Be sure to save any invoices, receipts, and relevant medical documents.
file your paperwork
Submit a Claim
You then file a claim with your insurance provider, attaching the paperwork that details the treatment and costs. Many companies now offer user-friendly apps or online portals for quick claim submissions.
HOW TO CHOOSE
Choosing the Best Pet Insurance Coverage for Your Needs
Finding the right automatic litter box depends on your cat’s habits and your personal preferences. Consider these factors:
01
Accident-Only Coverage
What It Covers: Injuries from accidents like bites, broken bones, or ingested foreign objects.
What It Doesn’t Cover: Illnesses, routine checkups, preventive care.
02
Accident & Illness Coverage
What It Covers: Accidents (same as above) plus most illnesses or diseases.
What It Doesn’t Cover: Routine wellness care, elective procedures, pre-existing conditions.
03
Comprehensive (Wellness) Coverage
What It Covers: Accidents, illnesses, and often routine or preventive care (vaccinations, dental cleanings, annual exams).
What It Doesn’t Cover: Pre-existing conditions and certain elective or cosmetic procedures.
04
Additional Riders
What It Covers: Coverage for prescription foods, behavioral therapy, or alternative treatments like acupuncture.
What It Doesn’t Cover: May add extra cost to your premium.
HOW TO CHOOSE
Costs and Choice
Who Can Get Pet Insurance?
Many modern models feature sturdy construction and advanced sensors that trigger cleaning only when the box is empty. While occasional malfunctions can occur, most reputable brands are designed to handle regular daily use with minimal issues.
What Are the General Costs?
- Breed & Age: Larger or purebred dogs and senior dogs often have higher premiums.
- Location: Vet costs differ by region, so premiums may be higher in areas with expensive veterinary services.
- Coverage Level: Accident-only plans are cheaper than comprehensive plans.
- Deductible & Reimbursement Rate: Plans with a higher deductible and lower reimbursement rate typically have lower pre
How to Choose Your Insurance Company?
- Reputation: Look for companies with a strong track record and positive reviews from dog owners.
- Claim Process: Check how claims are submitted and reimbursed. Faster, more transparent processes are preferable.
- Customer Service: Opt for a provider with responsive customer support that can assist in emergencies.
- Policy Details: Make sure you fully understand deductibles, co-pays, waiting periods, and coverage exclusions before signing up.
BENEFITS & CONCERNS
Pros & Cons of Pet Insurance for Dogs?
PROS
Financial Security:
Helps mitigate large or unexpected vet bills, giving you peace of mind in emergencies.
More Treatment Options:
With cost being less of a concern, you can opt for the best treatment rather than the cheapest.
Preventive Care Coverage:
Some comprehensive plans include vaccinations, dental care, and wellness visits, reducing overall pet care costs.
Emergency & Specialist Care:
Covers high-cost treatments such as surgeries, cancer treatments, and emergency visits that might otherwise be unaffordable.
Flexibility & Customization:
Many policies allow you to tailor coverage based on your dog’s needs, breed, and age.
CONS
Monthly or Annual Premiums:
You’ll pay for coverage even if your dog remains healthy and never requires major medical care.
Exclusions & Waiting Periods
Pre-existing conditions, hereditary issues, or breed-specific health problems might not be covered or may have long waiting periods.
Claim Reimbursement Process:
Most insurance companies require you to pay the vet bill upfront and submit a claim for reimbursement, which can take time.
Coverage Limitations:
Some policies have annual, per-incident, or lifetime payout limits, which may not fully cover high medical costs.
Rising Premiums:
Large or rotating designs can take up more room, which may be challenging in smaller homes.
FREQUENTLY ASKED QUESTIONS
FAQs About Automatic Litter Boxes
Is pet insurance worth it?
Pet insurance can be highly beneficial if you worry about covering unforeseen medical costs. While you might not use it often if your dog stays healthy, even a single serious injury or illness can justify the premiums.
Can I insure an older dog or a dog with pre-existing conditions?
Many companies allow you to insure older dogs, but premiums may be higher. Pre-existing conditions usually aren’t covered, so it’s best to get insurance sooner rather than later to avoid coverage gaps.
Do all vets accept pet insurance?
Yes. Unlike human health insurance, pet insurance typically reimburses you rather than paying the vet directly. This means you can visit any licensed veterinarian and file a claim afterward.
How do I keep costs down?
You can manage costs by choosing a higher deductible or a lower reimbursement rate, but remember this means more out-of-pocket expenses if your dog needs extensive treatment. Comparing multiple insurers and selecting only necessary coverage (versus premium add-ons) can also help control costs.
ARTICLES
Latest Blog Posts
By: Nicole Etolen
DATE: March 27, 2025
By: Nicole Etolen
DATE: March 21, 2025
Disclaimers:
Embrace: Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. CareCredit is a credit product offered by Synchrony Bank. Embrace does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Embrace. For full terms and conditions, visit www.embracepetinsurance.com/coverage/embraceterms Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address. *Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI. (c) 2024 American Modern Insurance Group, Inc.
Pumpkin: For full terms, visit pumpkin.care/insurancepolicy. Underwritten by either Independence American Insurance Company (NAIC #26581), or United States Fire Insurance Company (NAIC #21113). Produced by Pumpkin Insurance Services Inc. (NPN #19084749; CA License #6001617).
