Selecting the right pet insurance is an essential but challenging aspect of being a responsible pet owner. A good policy ensures financial protection, covering a broad range of needs, from accidents and infections to chronic illnesses and cancer. However, the best plan varies depending on your pet's unique requirements. Here's a guide to help you navigate through the top pet insurance options for 2025, along with tips to secure the best coverage for your companion.
Best Overall Pet Insurance: Spot
Spot leads the pack with comprehensive plans made for the medical realities of pet parenthood.
Pet insurance has made enormous strides in recent years, and Spot is leading the pack with comprehensive plans made for the medical realities of pet parenthood.
Its basic “accident and illness” policy covers as a matter of course what other companies consider extras and add-ons. Plus its waiting periods are reasonable, and it lets pet parents choose between a wide range of deductibles, reimbursements, and maximums. We think it’s a shoo-in for the number-one spot.
- Unusual perk: For vet-recommended behavioral treatments (think aggression or separation anxiety), Spot will cover sessions with a certified trainer. That’s something a lot of pet insurance companies won’t do.
- Worth watching: Because it has cost ceilings on the low side for various kinds of preventive care, Spot’s wellness add-on is a little lackluster. We don’t think this poses a major problem , but it’s worth factoring into your budget.
Notable features for Spot
- Accident and illness coverage; wellness add-on available
- Option for unlimited coverage, up to 90% reimbursement, and deductible choices
- “Curable” pre-existing conditions may be eligible for treatment if symptom-free for 6 months
- 15-day waiting period for illnesses, including hip and knee issues
- Exam fees covered (when related to accident and injury)
- No upper age limit
- Covers alternative therapies like acupuncture, chiropractic care, and rehabilitative therapy, plus broad dental and behavioral treatments
- 10% multi-pet discount on all additional pets
- 24/7 pet telehealth provided by VetAccess
Best Coverage: Lemonade
Lemonade is one of the strongest pet insurance options out there thanks to its impressive coverage. We gave preference to Spot because they cover most (but not all) of Lemonade’s offerings in one pre-built plan—but some pet parents might like Lemonade better, since it lets them pick and choose.
- Unusual perk: Lemonade’s plans can be customized to cover exam fees, physical therapy, dental illness, behavioral conditions, and end-of-life care—plus more traditional preventive treatments.
- Worth watching: Pricing. Some of Lemonade’s really appealing perks are tucked away in add-ons, which will nudge your monthly premiums a little higher.
Notable features for Lemonade
– Accident and illness coverage; wellness add-on available
– Option for up to $100k annual coverage, up to 90% reimbursement, and deductible choices
– “Curable” pre-existing conditions may be eligible for treatment if symptom-free for 12 months in some states
– 14-day waiting period for illnesses, 30-day waiting period for cruciate ligament events
– Exam fees covered with add-on
– Pets over 14 years of age can’t enroll
– Dental, alternative, physical and behavioral therapies, and end-of-life care covered with add-ons
– 5% multi-pet discount, 10% discount if you bundle home insurance
– No vet helpline available
Best Pet Insurance for Puppies: Pets Best
Pets Best is the Swiss Army knife of options, with reasonable coverage across a wide range of pet health problems and three tiers of accident and illness plans, ranging from modest to generous.
- Unusual perk: The combination of a high-value wellness add-on and a free 24/7 pet telehealth service helps offer peace of mind to new pet parents who have vaccinations, spaying/neutering, and microchipping to get through.
- Worth watching: Especially strict policies around pre-existing conditions and chronic illnesses make this a rough plan for pets enrolling as seniors. Also of note is Pets Best’s language around injuries caused by repetitive behavior; repeat mischief can leave a pet uncovered for the same health issue for 18 months.
Notable features for Pets Best
– Accident and illness coverage; wellness add-on available
– Option for unlimited coverage, up to 90% reimbursement, and deductible choices
– Waiting periods vary from state to state
– Exam fees covered by some but not all accident and illness plans
– No upper age limit
– Some dental and alternative treatment coverage, little to no behavioral treatment coverage
– 5% multi-pet discount when more than one pet is enrolled on BestBenefit plans
– 24/7 pet helpline
– Some direct vet pay available
Best for Dental: Fetch Pet Insurance
Fetch offers strong coverage with a range of deductible and reimbursement options. Together with some especially well-targeted perks, your pet’s alternative and homeopathic treatments, including up to $1,000 in vet-recommended behavioral therapy, could be covered.
The real winner, though, is their broad dental coverage. Dental issues are one of the most common and most underestimated vet expenses that can hit out of nowhere and leave a massive hole in your wallet.
- Unusual perk: While some plans only cover physical damage to teeth (think chipping) or canine teeth, Fetch covers treatment for injury and disease in every adult tooth, plus gum disease. It doesn’t cover routine cleanings, since that’s preventive care—but neither do most other accident and illness plans.
- Worth watching: Fetch is in the process of rolling out a wellness plan and more coverage options—but for the moment, you’ll have to contact their call center at 1-866-984-0104 to learn about additional selections available to you.
Notable features for Fetch Pet Insurance
– Accident and illness coverage
– Option for unlimited annual coverage, up to 90% reimbursement, and deductible choices
– “Curable” pre-existing conditions may be eligible for treatment if symptom-free for 12 months
– Up to 15-day waiting period for illnesses, 6-month waiting period for hip and knee issues (waivable with exam)
– Exam fees covered (when related to accident and injury)
– No upper age limit
– Excellent dental coverage; some coverage for behavioral and alternative therapies
– No multi-pet discount
– No vet helpline available
Best Pet Insurance for Senior Pets: Prudent Pet
Prudent Pet offers a lot of flexibility with their plans. You can opt in to more affordable, basic coverage than what other companies typically offer. That can be a good choice for elderly pets, whose pre-existing conditions may keep them from benefitting from a policy with all the bells and whistles.
Have a super senior on your hands? Prudent Pet guarantees that your pet’s coverage won’t shrink as they age. There’s no upper age limit, and physical and alternative therapies are often covered if prescribed by a vet.
Unusual perk: Prudent Pet’s waiting periods are senior-friendly. Knee and ligament issues, for example, require a six-month wait that can be waived if your pet receives a clean bill of health within 30 days of your plan’s start date.
Worth watching: Prudent Pet’s most bare-bones option is, well, pretty bare. It’s important to read the sample policies for the lowest-cost plans to make sure you feel good about your level of coverage.
Notable features for Prudent Pet
– Accident and illness coverage; wellness add-on available
– Option for unlimited coverage, up to 90% reimbursement, and deductible choices
– “Curable” pre-existing conditions may be eligible for treatment if symptom-free for 12 months
– 14-day waiting period for illness, waivable 6-month waiting period for knee and ligament issues
– Exam fees are an add-on
– No upper age limit
– Strong end-of-life expenses coverage; some coverage for behavioral, dental, and alternative treatments
– 24/7 pet telehealth line
Best for Customer Service: Pumpkin
Pumpkin, Spot, and the ASPCA® Pet Health Insurance program all offer very similar accident and illness plans, though with different customization options for your deductible, annual limit, and reimbursement rate. Pumpkin’s plans tend to offer the fewest customizations, especially where your reimbursement rate is concerned, and they don’t have a vet telehealth line. But their coverage is generally equally strong, with similar benefits in key places, like remarkably short waiting periods.
Unusual perk: Pumpkin has the highest Trustpilot score out of the three, with widely praised customer service—a perk that can significantly improve your ability to maximize your plan’s benefits.
Worth watching: Unlike Spot and the ASPCA® Pet Health Insurance program, Pumpkin doesn’t currently offer an accident-only plan (a kind of limited pet insurance that only covers eligible treatments for accidents, not illnesses or diseases).
Notable features for Pumpkin
– Accident and illness coverage; wellness add-on available
– Option for unlimited coverage, 90% reimbursement, and deductible choices
– “Curable” pre-existing conditions may be eligible for treatment if symptom-free for 6 months
– 15-day waiting period for illnesses, including hip and knee issues
– Exam fees covered (when related to accident and injury)
– No upper age limit
– Covers alternative therapies like acupuncture, chiropractic care, and rehabilitative therapy, plus some dental and behavioral treatments
– 10% multi-pet discount on all additional pets
Final Thoughts
The right pet insurance for you will depend on your pet’s age, health, and specific needs. Whether you seek comprehensive coverage for a puppy, excellent dental care for a senior dog, or flexible coverage options, these plans offer strong benefits tailored to modern pet ownership.
Quick Tips to Secure the Best Policy:
- Assess Your Pet’s Needs: Consider their age, health, and lifestyle.
- Compare Providers: Gather quotes from multiple insurers to ensure the best fit and value.
- Understand the Policy: Be clear on what is covered, excluded, and included in add-ons.
- Plan Ahead: Secure coverage before major health concerns arise to avoid exclusions.
Investing in pet insurance not only protects your finances but ensures your beloved pet receives the best care possible—allowing you to focus on creating joyful memories together.
