The Ultimate Guide to the Best Pet Insurance Companies of 2025

Overview of the Best Pet Insurance Companies of 2025

We review the best pet insurance for 2025. We chose companies that cover well, stand strong financially, serve customers kindly, and offer many plans. Each provider earned a full score of 5 out of 5 stars.

ASPCA: Best for Broad Coverage

Highlights

ASPCA shines with broad care. It links many coverage choices close together, perfect for owners who need full care.

Pros

• It covers many conditions: dental issues, behavior problems, alternative care, and microchipping.
• It lets you choose types like accident-only plans.
• The wait for cruciate injury coverage is short—just 14 days.

Cons

• Unlimited annual options require a phone call for a quote instead of an online check.

Sample Rates

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

Plans Available

• Accident and illness
• Accident-only
• Wellness

Embrace: Best Flexible Wellness Plan

Highlights

Embrace builds flexible plans. It pairs wellness care with smart changes to suit each pet.

Pros

• It covers curable pre-existing conditions.
• It offers many ways to customize your plan.
• You can cut the orthopedic wait period with a vet exam.

Cons

• Prescription food and supplements are covered only if you choose the wellness plan.

Sample Rates

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

Plans Available

• Accident and illness
• Accident-only
• Wellness

Hartville: Best for Straightforward Waiting Periods

Highlights

Hartville makes waiting periods clear. Each step shows when your care will begin.

Pros

• It gives unlimited annual options.
• A 24/7 vet helpline stays close by for help.
• It covers most curable pre-existing conditions after 180 symptom-free days.

Cons

• It does not cover herbal supplements.

Sample Rates

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

Plans Available

• Accident and illness
• Accident-only
• Wellness

MetLife: Best for Discounts

Highlights

MetLife offers many discounts. It links immediate coverage with cost cuts.

Pros

• Deductibles drop every year if no claim occurs in some states.
• Accident care starts without a wait.
• It covers holistic and alternative care.

Cons

• It does not give the option for direct vet payments.

Sample Rates

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

Plans Available

• Accident and illness
• Wellness

Pets Best: Best for Dogs

Highlights

Pets Best makes plans just for dogs. It offers many choices tailored for your pet.

Pros

• It gives many ways to customize your option.
• It allows unlimited annual coverage.
• It welcomes dogs at any age.

Cons

• Exam fees and some therapies come only with higher-priced plans.

Sample Rates

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

Plans Available

• Accident and illness
• Accident-only
• Wellness

Spot: Best for Cats

Highlights

Spot focuses on cats. It links extra coverage with cat-specific needs.

Pros

• It covers things others miss, like prescription food and behavior help.
• It offers unlimited annual coverage as an option.

Cons

• It does not allow direct vet payments.

Sample Rates

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

Plans Available

• Accident and illness
• Accident-only
• Wellness

Conclusion

Choosing pet insurance needs care. Pet owners must check their needs and study each provider’s offerings. With these top companies, you see plans that pair comprehensive care, flexible options, and cost-saving discounts. Use these details to set up a plan that fits your pet’s health. Always talk to the insurer for more details and match the plan to your pet.

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