6 Best Pet Insurance Companies (2025)

Pet insurance offers peace of mind, ensuring your furry companions receive the care they need without overwhelming costs. In 2025, the pet insurance market continues to grow, with companies offering comprehensive plans tailored to various needs and budgets. Below, we explore six of the best pet insurance providers, selected for their coverage options, customer service, and value.

1. Healthy Paws

Healthy Paws stands out for its straightforward, unlimited coverage plans. With no caps on payouts, it’s ideal for pet owners seeking robust protection. The company covers accidents, illnesses, and hereditary conditions, with fast claim processing—often within days. Its mobile app simplifies submitting vet bills, and customer reviews praise the responsive support team. However, routine care and pre-existing conditions are not covered, so early enrollment is key.

2. Embrace

Embrace offers customizable plans, letting you adjust deductibles and reimbursement rates to fit your budget. It covers accidents, illnesses, and even alternative therapies like acupuncture. A unique feature is the “diminishing deductible,” which reduces your deductible for each claim-free year. Embrace also includes a wellness add-on for routine care. Claims are processed efficiently, though some users note slower response times during peak periods.

3. Trupanion

Trupanion is known for its direct-to-vet payment system, which can cover bills at checkout, sparing you upfront costs. It offers comprehensive accident and illness coverage with no payout limits and includes congenital conditions. The plan is less flexible, with fixed reimbursement rates, but its focus on simplicity appeals to those who want hassle-free care. Customer service is highly rated, though premiums may rise with pet age.

4. Pumpkin

Pumpkin provides broad coverage, including dental care, behavioral issues, and prescription diets, which many competitors exclude. Its plans are pricier but offer high reimbursement rates (up to 90%) and no age restrictions, making it a great choice for older pets. Pumpkin’s wellness add-on covers preventative care like vaccines. Users appreciate the transparent pricing and easy claims process, though coverage for pre-existing conditions remains limited.

5. Lemonade

Lemonade brings a tech-savvy approach to pet insurance, with AI-driven claims processing and a user-friendly app. It offers affordable plans covering accidents, illnesses, and diagnostics, with optional wellness packages. Lemonade’s “giveback” program donates unused premiums to animal charities, appealing to socially conscious pet owners. However, it’s not available in all states, and some users report delays in complex claims.

6. Figo

Figo emphasizes flexibility, with customizable plans and a 100% reimbursement option. It covers accidents, illnesses, and chronic conditions, with an optional wellness plan for routine care. Figo’s Pet Cloud app lets you manage claims, track vet visits, and even connect with local pet owners. The company boasts quick claim turnaround times, though some users mention higher premiums for older pets.

Choosing the Right Plan

Selecting the best pet insurance depends on your pet’s needs, your budget, and your priorities. Consider factors like coverage scope, reimbursement rates, deductibles, and whether you want wellness benefits. Enrolling young, healthy pets can maximize coverage and avoid exclusions for pre-existing conditions. Always read policy details to understand limitations and ensure the plan aligns with your vet care habits.

In 2025, these six companies—Healthy Paws, Embrace, Trupanion, Pumpkin, Lemonade, and Figo—offer reliable options to keep your pet healthy and your finances secure. Take time to compare quotes and find the plan that brings you calm, knowing your pet is protected.