The Best Pet Insurance Companies of 2025: A Comprehensive Overview

The Best Pet Insurance Companies of 2025: What You Need to Know

Pet ownership climbs, and so must pet insurance. People need good coverage. In 2025, we rated pet insurers in the United States. We looked at coverage size, financial strength, user reviews, and choice plans. Here, top insurers score 5 out of 5 stars in our study.

ASPCA: Best Pet Insurance for Broad Coverage

ASPCA Pet Insurance stands out for its wide coverage. It offers many plans and covers dogs, cats, and even horses.

Pros

• Covers alternative therapies, behavior problems, and birth conditions.
• Uses a short 14-day wait for cruciate injuries.
• Offers an accident-only plan for lower costs.

Cons

• Getting an online quote for unlimited annual coverage needs a phone call.

Why It's the Best
ASPCA shows its strength in generous rules. It covers dental illnesses, behavior issues, and even microchipping. A preventive plan adds dental cleaning and vaccines, all close together.

Sample Rates

• Dogs: Age 2: $36/month | Age 8: $86/month
• Cats: Age 2: $20/month | Age 8: $37/month

Embrace: Best Flexible Wellness Plan

Embrace Pet Insurance adapts with your pet’s needs. Its plans offer deep choices and a wellness package.

Pros

• Covers curable pre-existing conditions.
• Offers broad preventive care with its Wellness Rewards.

Cons

• Does not cover prescription food or supplements unless bought in a wellness plan.

Why It's the Best
Embrace helps tailor each plan. It pays for checkups, grooming, and nutritional add-ons, linking needs close and clear.

Sample Rates

• Dogs: Age 2: $36/month | Age 8: $67/month
• Cats: Age 2: $20/month | Age 8: $35/month

Hartville: Best Insurance for Straightforward Waiting Periods

Hartville Pet Insurance uses clear, short waiting times. Pet owners get coverage that feels direct.

Pros

• Offers unlimited annual coverage.
• Gives 24/7 vet advice when needed.

Cons

• Does not cover herbal supplements.

Why It's the Best
Hartville uses a simple 14-day wait for both accidents and illnesses. Its plan includes alternative therapies and preventive care, keeping each cost right next to the service.

Sample Rates

• Dogs: Age 2: $36/month | Age 8: $86/month
• Cats: Age 2: $20/month | Age 8: $37/month

MetLife: Best Pet Insurance for Discounts

MetLife Pet Insurance offers discounts that add value. It aids many groups with its savings.

Pros

• Deductibles drop each claim-free year.
• Covers accidents immediately, with no wait.

Cons

• Does not pay vets directly.

Why It's the Best
MetLife gives extra savings to first responders and military staff. These discounts, shown clearly, make the plan more cost efficient.

Sample Rates

• Dogs: Age 2: $38/month | Age 8: $80/month
• Cats: Age 2: $18/month | Age 8: $36/month

Pets Best: Best Pet Insurance for Dogs

Pets Best shines for dog insurance. It gives affordable plans that feel clear and close in detail.

Pros

• Offers many plan choices that fit your budget.
• Provides unlimited annual coverage.

Cons

• Some therapies and exam fees come only with pricier plans.

Why It's the Best
Pets Best gives flexible options. Its plan lets you pay vets directly for big bills. Each cost works with its care.

Sample Rates

• Dogs: Age 2: $32/month | Age 8: $71/month
• Cats: Age 2: $20/month | Age 8: $41/month

Spot: Best Pet Insurance for Cats

Spot Pet Insurance fits cat owners with care you can trust. Its plans cover special cat needs.

Pros

• Covers unique needs like behavior change and special food.
• Offers unlimited annual coverage.

Cons

• Does not let you pay your vet directly.

Why It's the Best
Spot keeps rates competitive. Its coverage and cost are close together, making it a smart choice for cat care.

Sample Rates

• Dogs: Age 2: $32/month | Age 8: $75/month
• Cats: Age 2: $18/month | Age 8: $32/month

Conclusion

Pet insurance matters to give your friend the best care. These companies give clear pros and cons that show strong points. ASPCA has wide coverage; Embrace makes flexible plans; and others each shine in their way. Look at your pet’s needs and your wallet before you choose.

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