Top 10 Pet Insurers in 2025

1. Trupanion

Trupanion is widely regarded as one of the top pet insurance providers due to its comprehensive coverage and no payout limits. It offers coverage for accidents, illnesses, hereditary conditions, and even certain breed-specific issues. Trupanion also provides direct vet payment, which simplifies the claims process.

2. Healthy Paws

Healthy Paws stands out for offering unlimited lifetime coverage without caps on reimbursements. With a straightforward, easy-to-understand policy, they cover accidents, illnesses, and hereditary conditions, making them a top choice for pet owners looking for both affordability and comprehensive care.

3. Pets Best

Pets Best offers flexible coverage options, including accident-only and full accident-illness plans. Known for fast claims processing, often reimbursing claims in just five days, Pets Best provides a user-friendly online experience and comprehensive coverage for both accidents and illnesses.

4. Embrace

Embrace offers customizable plans with the option to add wellness rewards for preventive care. Their diminishing deductible program, which reduces your deductible each year you don’t make a claim, is a standout feature. Embrace is particularly praised for its customer service and extensive coverage for chronic and genetic conditions.

5. Figo

Figo is a tech-savvy insurer with a user-friendly mobile app and cloud-based platform for managing your pet’s policy. They offer comprehensive coverage for accidents, illnesses, and preventive care, and their plans come with a variety of options for deductibles and reimbursement percentages. Figo is known for its modern approach to pet insurance.

6. Nationwide

Nationwide is one of the largest pet insurers in the U.S. They offer a range of plans, including their Whole Pet with Wellness plan, which covers routine care alongside accidents and illnesses. Their extensive network of veterinarians and easy claims process makes them a top contender in the industry.

7. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance provides flexible plans for both accidents and illnesses. They offer options for routine care coverage, including vaccinations, wellness exams, and flea prevention. Known for excellent customer service, ASPCA Pet Health Insurance is a trusted name in the industry.

8. Lemonade Pet Insurance

Lemonade is a newer player in the pet insurance world but quickly gained popularity due to its affordable rates and modern approach. The company uses AI to streamline the claims process, offering quick reimbursement and easy online management. Their policies cover a variety of accidents, illnesses, and wellness care.

9. Petplan

Petplan provides comprehensive coverage, including for hereditary and chronic conditions, as well as holistic treatments like acupuncture. They have a reputation for paying claims quickly and offering flexible plans with various deductible and reimbursement options. Petplan is well-regarded for its customer service and ease of use.

10. Bivvy

Bivvy is a budget-friendly pet insurer that offers straightforward coverage for accidents and illnesses with a simple pricing structure. Their plans have no age limits, and they don’t require a wellness add-on to access routine care coverage. Bivvy’s transparency and simplicity make it an appealing choice for pet owners on a budget.

Conclusion

Selecting the right pet insurance provider depends on your pet’s needs, your budget, and the type of coverage you require. From comprehensive coverage with no limits (like Trupanion) to budget-friendly options (like Bivvy), the top 10 pet insurers listed above cater to a wide range of needs. Be sure to review each plan carefully, considering factors such as premiums, deductibles, exclusions, and customer reviews, to find the best fit for your pet’s health and your peace of mind.