Top 10 Pet Insurance Companies in 2025

1. Trupanion

Trupanion is widely recognized for offering comprehensive pet insurance with no payout limits. They provide coverage for a wide range of accidents and illnesses, including hereditary conditions. Trupanion’s straightforward plans and quick claims process make it a top choice for many pet owners.

2. Healthy Paws

Healthy Paws is known for its simplicity and strong coverage options. With no annual limits on payouts, this insurer covers accidents, illnesses, and even certain genetic conditions. Their mobile app allows users to file claims easily, making it one of the most user-friendly pet insurance providers.

3. Petplan

Petplan offers customizable plans with a focus on comprehensive coverage. They cover a wide range of conditions, including chronic and hereditary issues, as well as alternative treatments like acupuncture. Petplan’s extensive coverage and high reimbursement options make it an excellent choice for pets with ongoing health needs.

4. Embrace

Embrace stands out for its flexible plans, including optional wellness rewards for routine care like vaccinations and flea prevention. Embrace offers solid coverage for both accidents and illnesses, and its diminishing deductible reward is a unique feature that reduces your deductible each year you don’t make a claim.

5. Figo

Figo offers competitive pricing and robust coverage options for pet owners. Their plans include comprehensive coverage for accidents, illnesses, and even behavioral therapies. Figo’s cloud-based platform allows you to manage your policy, file claims, and access vet records on the go.

6. Nationwide

Nationwide offers a range of coverage options, from standard accident and illness plans to their Whole Pet with Wellness plan, which covers routine care like vaccinations and checkups. Their broad network of veterinarians and easy claims process make them a popular option for many pet owners.

7. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is a trusted name in the industry, offering customizable plans that can cover everything from routine care to major illnesses. Their plans are flexible, allowing you to choose from a variety of deductibles and reimbursement percentages. ASPCA is also highly regarded for its excellent customer service.

8. Pets Best

Pets Best offers affordable coverage with options for both accident-only and comprehensive accident and illness plans. Their plans come with no upper age limit, making them a great option for senior pets. Pets Best is also known for quick claims reimbursement, often processing claims in just 5 days.

9. Pumpkin

Pumpkin is a newer player in the pet insurance space but has quickly gained a reputation for offering reliable coverage at an affordable price. They provide comprehensive plans with options for preventive care and are known for their clear policy language and easy claims process.

10. Lemonade Pet Insurance

Lemonade has rapidly become a favorite in the pet insurance world due to its tech-driven approach and budget-friendly pricing. With customizable plans that cover accidents, illnesses, and wellness care, Lemonade offers an efficient and transparent process, making it a great option for cost-conscious pet owners.

Conclusion

Choosing the right pet insurance company is essential for ensuring your pet gets the best possible care without breaking the bank. Whether you're looking for comprehensive coverage, affordability, or specific options like wellness care, these top 10 pet insurance providers offer a variety of plans to meet your needs. Always compare policies, read customer reviews, and carefully consider your pet’s health to make the most informed decision.