7 Best Pet Insurance Plans for Pet Parents in 2025 (Reviewed & Compared)
Quick Summary for Busy Pet Parents:
Looking for reliable and affordable pet insurance? We reviewed the 7 best pet insurance providers in 2025, based on cost, coverage, benefits, and real customer experiences. Whether you're covering a new pup or an older rescue, there's a plan here that fits your needs and budget.
Why Pet Insurance Matters More Than Ever
Vet bills can be unpredictable and expensive. A single emergency visit can cost hundreds—or even thousands—of dollars. Pet insurance helps cover these costs so you can focus on your pet's health, not your wallet.
Today’s pet parents treat animals as family members, and that means prioritizing their healthcare. But unlike human healthcare, there’s no universal pet health coverage. Pet insurance fills that gap, offering peace of mind by reimbursing a portion of eligible veterinary expenses—especially in emergencies or for chronic conditions.
But not all policies are created equal. Some cover only accidents, others include preventive care, dental, and even hereditary conditions. We reviewed and compared 7 of the best pet insurance companies in 2025 to help you find the right fit.
1. Pumpkin Pet Insurance — Best Overall Value
Pumpkin offers an excellent mix of affordability, coverage, and transparency. The average plan costs just $35.71 per month, with a 90% reimbursement rate and a $10,000 annual benefit. That’s a solid value, especially when you consider their generous inclusions.
One of the most appealing features is the lack of breed or age restrictions, making Pumpkin a reliable option for older pets and high-risk breeds. They also include coverage for dental illnesses and hereditary conditions—areas often excluded or offered at an extra premium.
Founded in 2020 and underwritten by United States Fire Insurance Company, Pumpkin is relatively new but has earned trust fast due to its modern, consumer-first approach.
Why Choose Pumpkin:
- No age or breed limits
- Covers hereditary and dental conditions at no extra cost
- Transparent, easy-to-understand policies
- Ideal for budget-conscious pet parents who still want thorough protection
👉 Check Out Pumpkin's Plans Here
2. Embrace Pet Insurance — Best for Multi-Pet Homes
Embrace is a strong contender thanks to its comprehensive plans and valuable extras. At $49.24 per month on average, Embrace offers a 90% reimbursement rate and a $10,000 annual benefit—but what really sets it apart are the add-ons.
They provide multi-pet discounts, exam fee coverage, and one of the best wellness packages available. The wellness add-on covers routine care like vaccinations, grooming, and even training classes—something many pet parents appreciate.
Embrace was founded in 2003 and is underwritten by American Modern Insurance. Their free 24/7 pet helpline is a huge bonus, letting you speak to veterinary experts anytime, which is great for late-night worries.
Why Choose Embrace:
- Multi-pet discounts = big savings
- Customizable wellness and preventive care options
- 24/7 pet helpline included
- Excellent for families with multiple pets or those who value routine care coverage
👉 See Embrace Plans and Discounts
Read Also; How to Choose the Right Pet Insurance Plan: A Complete Guide for Pet Owners
3. Figo Pet Insurance — Best Tech-Friendly Plan
Figo is built for the modern pet owner. For $42.27/month, you get a tech-forward experience with a sleek app that lets you track claims in real time, store pet records, and even connect with a vet via 24/7 video chat.
Coverage includes a 90% reimbursement rate and a $5,000 annual benefit. Figo stands out not just for its digital perks but for its simplicity—submitting a claim is fast and intuitive, which many users rave about.
Figo is underwritten by Independence American Insurance Company and was founded in 2013. Its blend of convenience and affordability makes it great for city dwellers, remote workers, or pet parents on the go.
Why Choose Figo:
- Instant access to vet support
- Intuitive, award-winning mobile app
- Fast digital claims processing
- Perfect for tech-savvy, busy pet parents
👉 Explore Figo's Digital Perks
4. ASPCA Pet Insurance — Most Trusted Brand
ASPCA Pet Insurance benefits from decades of trust. With more than 600,000 pets insured and over 2.2 million claims processed, it’s one of the most widely used pet insurance providers in the U.S.
Their plans start at an average of $41.63/month and include a 90% reimbursement rate with a $10,000 annual benefit. What sets ASPCA apart is its flexibility—they offer accident-only plans as well as more comprehensive preventive care coverage.
Founded in 1997 and underwritten by Crum & Forster, ASPCA is ideal for pet parents who want a recognizable name with a proven track record.
Why Choose ASPCA:
- Affordable accident-only options for budget-conscious users
- Long-standing trust and reliability
- Well-rounded plans for both new and experienced pet owners
- Strong support and reputation in the pet community
👉 Compare ASPCA Pet Insurance Options
5. Fetch by The Dodo — Best for Fast Reimbursements
Fetch stands out for its flexibility and speed. Plans cost around $56.27/month and include a 90% reimbursement rate with a $5,000 annual benefit. The biggest highlight? Fast claim processing—payouts arrive in as little as 2 business days.
You’re also free to visit any licensed vet in the U.S. or Canada, giving you flexibility whether you’re at home or traveling. Backed by over 400,000 insured pets and an “Excellent” rating on Trustpilot, Fetch is building strong customer loyalty.
Why Choose Fetch:
- Quick payouts via direct deposit
- Nationwide and cross-border coverage
- Strong customer reviews and support
- Great for frequent travelers or remote pet parents
👉 Get a Fetch Quote in Minutes
6. Liberty Mutual Pet Insurance — Best for Bundling Savings
Liberty Mutual isn’t just for home or auto anymore—their pet insurance product is a solid choice, especially for customers looking to bundle policies. With an average monthly premium of $61.27, Liberty Mutual offers a 90% reimbursement rate and a $5,000 annual benefit.
One standout feature is lifetime coverage—your policy won’t be canceled due to your pet’s age, which is rare in the industry. If you're already a Liberty Mutual customer, bundling can unlock significant savings.
Why Choose Liberty Mutual:
- Bundle with other Liberty Mutual policies for savings
- Lifetime coverage guarantees continued protection
- Strong legacy brand with decades of trust
- Convenient for households already using Liberty Mutual
👉 See Liberty Mutual Bundling Deals
7. Trupanion — Best for Unlimited Coverage
If cost isn’t your primary concern and you want the highest tier of protection, Trupanion is the gold standard. At $91.74/month on average, it offers unlimited coverage with no payout caps—perfect for chronic conditions or high-cost surgeries.
Trupanion is also unique in its Vet Direct Pay system, where they pay the vet directly at the time of service—no out-of-pocket payments or reimbursements needed.
Founded in 1999 and underwritten by American Pet Insurance Company, Trupanion is ideal for pet parents who want the ultimate in coverage, convenience, and peace of mind.
Why Choose Trupanion:
- Unlimited coverage = no stress over limits
- Vet Direct Pay means less hassle for pet parents
- Ideal for pets with pre-existing or chronic conditions
- Premium care for those who want top-tier protection
👉 Protect Your Pet with Trupanion
Final Thoughts: Which Pet Insurance is Right for You?
Every pet is different, and so are their needs. Here’s a quick recommendation based on your priorities:
- On a tight budget? → Go with Pumpkin or ASPCA
- Multiple pets? → Try Embrace
- Need tech & convenience? → Figo
- Fast payouts? → Fetch
- Already with Liberty Mutual? → Bundle up!
- Want unlimited coverage? → Trupanion is worth the premium
👉 Don’t wait until an emergency hits.
Pick the plan that fits your pet’s needs today and protect their health—and your wallet.
Read Also; How to Choose the Right Pet Insurance Plan: A Complete Guide for Pet Owners
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