If you’re a pet owner, you know that your furry friend is a member of the family. And just like any family member, it’s important to ensure they receive the best care, especially when health issues arise. Pet insurance can be a lifesaver, helping to offset unexpected veterinary costs. But with so many options out there, it can be overwhelming to choose the right one for your pet.
We’ve compiled a list of the top 10 pet insurance companies in the US, focusing on their plans, pricing, and coverage options. Here’s everything you need to know to make an informed decision.
1. Healthy Paws Pet Insurance
Overview: Healthy Paws is often considered one of the best options for comprehensive coverage. They offer coverage for accidents, illnesses, surgeries, and more.
Plans: They offer a single, customizable plan that covers accidents, illnesses, and emergency care. There’s no cap on payouts, which is a huge advantage.
Prices: Premiums typically start around $40 per month for dogs and $25 for cats, depending on your pet’s breed, age, and location.
Benefits:
- No annual or lifetime limits on payouts.
- Fast claim processing.
- Coverage for holistic and alternative treatments.
Read Also – 2025 Pet Insurance Review: Finding the Best Coverage for Your Furry Friend
2. Lemonade Pet Insurance
Overview: Lemonade is known for its simple, user-friendly approach to pet insurance. They offer affordable policies and an easy-to-navigate app for managing your account.
Plans: Lemonade offers three plans: Accident Only, Accident & Illness, and a top-tier plan that adds coverage for preventive care.
Prices: Premiums start as low as $15–$20 per month, making it one of the most affordable options.
Benefits:
- Fast, digital claim processing through the app.
- 24/7 vet chat support.
- Transparency in pricing and coverage.
3. Trupanion
Overview: Trupanion is known for its straightforward coverage and comprehensive plans. It covers 90% of vet bills after the deductible, and there’s no payout limit.
Plans: They offer a single, customizable plan that covers a wide range of services, including surgeries, medications, and diagnostic tests.
Prices: Premiums can range from $35 to $70 per month, depending on the pet’s age, breed, and location.
Benefits:
- No payout limits.
- 90% reimbursement rate.
- 24/7 access to vet consultations via their app.
4. Pets Best
Overview: Pets Best offers a wide range of affordable plans, including accident-only coverage and more comprehensive illness and injury policies.
Plans: Their plans include Accident-Only, Basic Accident & Illness, and a top-tier plan that covers wellness care, including vaccinations and check-ups.
Prices: Starting at around $12 per month for accident-only plans, with more comprehensive coverage plans starting at $35.
Benefits:
- Optional wellness coverage for routine care.
- 24/7 vet helpline.
- Fast claims processing.
Read Also – Spot Pet Insurance Review 2025: Is It the Right Choice for Your Furry Friend?
5. Embrace Pet Insurance
Overview: Embrace is a solid option for families looking for customizable coverage. Their policies cover a wide range of conditions, including dental care and wellness treatments.
Plans: Embrace offers a customizable plan with various deductibles and reimbursement options, as well as a wellness rewards program.
Prices: Premiums typically range from $20 to $60 per month, depending on the pet’s health and age.
Benefits:
- Comprehensive coverage options, including dental care.
- Wellness rewards program.
- 24/7 vet support.
6. Nationwide Pet Insurance
Overview: Nationwide is one of the largest pet insurance providers in the US, offering both accident-only and comprehensive coverage plans. They are especially known for their coverage of exotic pets.
Plans: Plans range from accident-only coverage to comprehensive illness and wellness care, including routine visits and vaccinations.
Prices: Premiums start around $40 per month for dogs and $30 for cats.
Benefits:
- Coverage for exotic pets (birds, reptiles, etc.).
- Optional wellness and preventive care.
- Large provider network.
7. Figo Pet Insurance
Overview: Figo offers a high-tech approach to pet insurance, with a digital platform that makes managing your pet’s health easy. They provide comprehensive coverage for both accidents and illnesses.
Plans: Figo offers three plans: Essential, Preferred, and Ultimate, each providing varying levels of coverage.
Prices: Premiums typically start at $30 to $40 per month for cats and $45 to $60 per month for dogs.
Benefits:
- High-tech app for easy claims and account management.
- No caps on coverage.
- Access to 24/7 vet chat.
Read Also – Best Pet Insurance: Reddit’s Top Picks and Honest Reviews
8. ASPCA Pet Health Insurance
Overview: Offered by the American Society for the Prevention of Cruelty to Animals (ASPCA), this insurance provider offers customizable plans with an emphasis on providing excellent customer service.
Plans: ASPCA offers three plans: Accident-Only, Complete Coverage, and a higher-tier plan for wellness care.
Prices: Premiums start around $20 per month for accident-only coverage and can go up to $50 per month for more comprehensive plans.
Benefits:
- Discount for multiple pets.
- Coverage for prescription medications.
- Preventive care options available.
9. Petplan
Overview: Petplan provides flexible, comprehensive coverage, including alternative therapies and dental treatments. Their plans are designed for pets of all ages, including older pets who may be harder to insure.
Plans: Petplan offers accident and illness coverage with optional add-ons like wellness plans and dental care.
Prices: Premiums range from $40 to $60 per month for dogs and $20 to $40 for cats.
Benefits:
- Covers hereditary and congenital conditions.
- Coverage for alternative therapies like acupuncture and chiropractic care.
- Flexible plans for older pets.
10. PetFirst Pet Insurance
Overview: PetFirst is known for offering straightforward, affordable plans. They offer a variety of coverage options for pets of all ages, making them a popular choice for families with young and older pets.
Plans: PetFirst offers accident-only and accident & illness coverage, along with additional options for wellness care.
Prices: Premiums start at around $10 to $40 per month.
Benefits:
- 24/7 vet helpline.
- Fast claims reimbursement.
- Optional wellness coverage.
Read Also – Nationwide Pet Insurance Review: Pros, Cons, and What You Should Know in 2025
How to Choose the Best Pet Insurance for You
When selecting the right pet insurance company, there are several key factors to consider:
- Coverage Options: Make sure the policy covers the services your pet needs, such as emergencies, surgeries, or routine visits.
- Premiums: Prices can vary depending on your pet’s breed, age, and where you live, so compare quotes to find the most affordable option.
- Reimbursement Rate: Look for a provider with a high reimbursement rate (90% is ideal).
- Exclusions: Review any exclusions, such as pre-existing conditions, to avoid surprises.
- Customer Service: Choose a provider with strong customer support, including easy claims processes and 24/7 vet access.
Conclusion
Investing in pet insurance can provide peace of mind, knowing that your pet’s healthcare needs are covered without draining your savings. The companies listed above represent some of the best options in the US, offering a variety of plans, prices, and benefits. Make sure to assess your pet’s specific needs and budget to find the best plan for you and your furry companion.
Read Also –
Best Pet Insurance: Reddit’s Top Picks and Honest Reviews
Spot Pet Insurance Review 2025: Is It the Right Choice for Your Furry Friend?
2025 Pet Insurance Review: Finding the Best Coverage for Your Furry Friend