The Best Pet Insurance Companies of 2025
Pet ownership grows fast. We care for pets. Insurance helps care. We rated companies well. We based our ratings on coverage, strength, reviews, and plan choices. Each company below earned 5 out of 5 stars.
ASPCA: Best for Broad Coverage
ASPCA offers plans that cover many pets. Coverage comes close with each feature.
Pros:
- Covers horses, cats, and dogs.
- Standard plans include alternative therapies, behavioral issues, and congenital conditions.
- A 14-day wait applies for cruciate injuries.
Cons:
- To get an online quote for unlimited annual coverage, you must call.
ASPCA insurance gives plans that meet many needs. It covers dental illnesses and microchipping. For lower rates, choose an accident-only plan. Preventive care covers dental cleaning, heartworm tests, and vaccines.
Sample Rates:
- Dogs (Age 2): $36/month
- Dogs (Age 8): $86/month
- Cats (Age 2): $20/month
- Cats (Age 8): $37/month
Coverage Details:
- Age Restrictions: Enroll any pet 8 weeks old; no maximum age.
- Plans Available: Accident and illness, accident-only, wellness.
- Waiting Periods: 14 days for accident and illness; immediate for preventive care.
Embrace: Best Flexible Wellness Plan
Embrace gives plans that you build yourself. Flexibility ties together wellness and care.
Pros:
- Covers curable pre-existing conditions.
- Many customization options.
- A vet exam can cut the orthopedic waiting period.
Cons:
- To cover prescription food and supplements, you must buy a wellness plan.
Embrace adds a comprehensive preventive care package called Wellness Rewards. It covers grooming, supplements, and routine check-ups.
Sample Rates:
- Dogs (Age 2): $36/month
- Dogs (Age 8): $67/month
- Cats (Age 2): $20/month
- Cats (Age 8): $35/month
Coverage Details:
- Age Restrictions: Start at 6 weeks; pets up to 14 years can get accident and illness.
- Plans Available: Accident and illness, accident-only, wellness.
- Waiting Periods: Two days for accidents, 14 days for illnesses; the orthopedic wait can shrink with a vet exam.
Hartville: Best for Straightforward Waiting Periods
Hartville gives clarity. Waiting periods sit close to their coverage.
Pros:
- Unlimited annual coverage is offered.
- A 24/7 vet helpline stands ready.
- Covers most curable pre-existing conditions after 180 symptom-free days.
Cons:
- Herbal supplements sit outside coverage.
Hartville links ease with full choices. It also covers alternative therapies and wellness plans.
Sample Rates:
- Dogs (Age 2): $36/month
- Dogs (Age 8): $86/month
- Cats (Age 2): $20/month
- Cats (Age 8): $37/month
Coverage Details:
- Age Restrictions: Coverage starts at 8 weeks.
- Plans Available: Accident and illness, accident-only, wellness.
- Waiting Periods: A steady 14 days for accidents and illnesses.
MetLife: Best for Discounts
MetLife drives discounts. Lower costs tie to safe, smart choices.
Pros:
- Deductibles drop yearly when you claim nothing in some states.
- Accident coverage starts immediately.
- Holistic and alternative care find a place.
Cons:
- Direct payments to vets are not allowed.
MetLife lets you shape your plan while ensuring accident care is prompt.
Sample Rates:
- Dogs (Age 2): $38/month
- Dogs (Age 8): $80/month
- Cats (Age 2): $18/month
- Cats (Age 8): $36/month
Coverage Details:
- Age Restrictions: No limits.
- Plans Available: Accident and illness, wellness.
- Waiting Periods: Immediate for accidents and wellness; 14 days for illness.
Pets Best: Best for Dogs
Pets Best suits dog owners. Their plans flex with what dog owners need.
Pros:
- Plans adjust easily.
- An option for unlimited annual coverage exists.
- There is no upper age limit.
Cons:
- Some therapies and exam fees sit only with higher-priced plans.
Pets Best offers competitive rates. It ties reimbursements directly to vets for added flexibility.
Sample Rates:
- Dogs (Age 2): $32/month
- Dogs (Age 8): $71/month
- Cats (Age 2): $20/month
- Cats (Age 8): $41/month
Coverage Details:
- Age Restrictions: Start at 7 weeks; no maximum age.
- Plans Available: Accident and illness, accident-only, wellness.
- Waiting Periods: Three days for accidents; 14 days for illnesses, six months for cruciate ligament issues.
Spot: Best for Cats
Spot tailors plans for cats. Its coverage sits close with your pet’s needs.
Pros:
- Covers unique costs like prescription food and behavioral help.
- Some pre-existing issues get covered after 180 symptom-free days.
- Unlimited annual coverage is included.
Cons:
- Direct vet payments are not allowed.
Spot keeps rates low and plans neat for cat owners.
Sample Rates:
- Dogs (Age 2): $32/month
- Dogs (Age 8): $75/month
- Cats (Age 2): $18/month
- Cats (Age 8): $32/month
Coverage Details:
- Age Restrictions: Start at 8 weeks; no maximum age.
- Plans Available: Accident and illness, accident-only, wellness.
- Waiting Periods: Three days for accidents; 14 days for illnesses.
In summary, these top companies of 2025 put plans close to pet owners. Each plan ties coverage directly to the needs of pets. Choose the plan that fits your pet and care style.
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