9 Best Pet Insurance Companies in 2025 (High Payouts for Vet Costs)

 

Healthy Paws, Trupanion, and Nationwide are the best pet insurance companies. Healthy Paws leads with unlimited lifetime coverage, up to 90% back on vet bills, and quick two-day claim approvals.

Our Top 9 Picks: Best Pet Insurance Companies

Trupanion stands out for paying vets directly, covering congenital conditions, and offering recovery care through its add-on. Nationwide is the only one that covers exotic pets.

Plus, it includes dental cleanings and vaccines with wellness plans, and it gives a 5% discount when you bundle it with a home or auto. Each starts at just $20 per month, making it easier to get solid pet insurance without overspending.

To see which pet insurance companies offer the best value where you live, enter your ZIP code and review plan features, reimbursement rates, and exclusions.

#1 – Geico: Top Overall Pick

Pros

• 25% Multi-Pet Discount: Geico pet insurance offers a 25% savings when two or more pets are insured together.
• $18 Monthly Starting Rate: Entry-level pet insurance includes accident-only coverage with a $100 deductible.
• 3-Day Claim Turnaround: Most pet insurance claims are processed within 72 hours via Geico’s online portal.

Cons

• $25,000 Annual Limit: Pet insurance plans cap total coverage annually, with no unlimited benefit option.
• No Preventive Care: Routine vet visits, vaccinations, and dental exams are not covered under Geico pet insurance. Compare Healthy Paws vs. Geico pet insurance to learn more.

#2 – Allstate: Best for Wellness Plans

Pros

• 25% Multi-Pet Discount: Save up to 25% on Allstate pet insurance for each additional pet.
• Wellness Plus Add-On: Allstate offers pet injury coverage for vaccines, heartworm tests, spaying/neutering, and annual dental cleanings.
• Chronic Condition Coverage: Includes long-term treatments for arthritis, diabetes, and thyroid disorders under standard pet insurance plans.

Cons

• $40+ for Premium Plans: Allstate pet insurance with full wellness and hereditary coverage can exceed $40 monthly.
• Coverage Restrictions: Genetic condition benefits may require breed-specific vet documentation before approval.

#3 – Liberty Mutual: Best for Policy Flexibility

Pros

• Flexible Plan Design: Choose deductibles from $250 to $1,000 and reimbursements of 70%, 80%, or 90%.  Explore the full Liberty Mutual insurance review to see how plans compare.
• Behavioral Issue Coverage: Includes compulsive licking, anxiety, and destructive behavior treatments.
• 25% Multi-Pet Discount: Apply a 25% discount when bundling pet insurance for multiple pets.

Cons

• No Emergency Vet Hotline: Liberty Mutual pet insurance lacks 24/7 live vet support.
• Coverage Restrictions: Out-of-network services like rehab therapy may require pre-authorization or be excluded.

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#4 – American Family: Best for Congenital Conditions

Pros

• Congenital Condition Coverage: Includes hip dysplasia and other hereditary issues from day one.
• $100 Deductible Option: Minimizes upfront vet bills for accident and illness plans starting at $18 monthly.  Uncover more coverage options and savings in our AmFam insurance review.
• 25% Multi-Pet Discount: Policyholders get 25% off pet insurance premiums when covering more than one pet.

Cons

• 14-Day Waiting Period: Coverage for accidents and illnesses begins two weeks post-enrollment.
• No Accident-Only Plan: Preventive care is bundled, limiting low-cost plan flexibility.

#5 – Nationwide: Best for Exotic Pets

Pros

• Exotic Pet Coverage: Protects birds, lizards, rabbits, and other species rarely included in traditional pet insurance.
• 20% Multi-Pet Discount: Offers a 20% discount when covering two or more animals under one Nationwide pet insurance policy.
• Whole Pet with Wellness Plan: Covers 90% of all vet bills, including exam fees, preventive care, and chronic conditions.

Cons

• Premium Increases by Age: Pet insurance costs rise substantially once a pet turns eight. Get the facts you need in this quick Nationwide vs. Progressive pet insurance overview.
• App Limitations: Claims tracking and real-time vet history updates are unavailable in the Nationwide mobile app.

#6 – Farmers: Best for Prescription Coverage

Pros

• Long-Term Prescription Coverage: Includes maintenance meds like insulin, allergy drugs, and thyroid treatments.
• Agent-Based Claims Help: Pet insurance policyholders can contact local agents for claims or coverage questions.
• 20% Multi-Pet Discount: Farmers applies a 20% discount when multiple pets are added under one policy.

Cons

• Limited Mobile Features: The app lacks tools for uploading receipts and tracking vet visits. See how it compares in our comprehensive Farmers insurance review.
• Referral-Only Specialty Care: Access to specialists like cardiologists may require vet referrals under Farmers pet insurance.

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#7 – State Farm: Best for Claims Simplicity

Pros

• Direct Claims Processing: State Farm will pay vets directly after you file a pet insurance claim, and most claims are processed in 24 hours.
• Simple Quote Process: Coverage levels, deductibles, and reimbursement rates are clearly displayed during the online quote.
• Top-Tier Financial Strength: A++ A.M. Best Rating ensures consistent pet insurance claim reimbursements.

Cons

• No Holistic Coverage: Pet insurance plans do not include massage, acupuncture, or other alternative therapies.
• Fewer Custom Options: Plans only offer fixed deductibles and capped coverage tiers. Learn what to expect from policies in our State Farm insurance review.

#8 – The Hartford: Best for Senior Pet Owners

Pros

• AARP Member Benefits: Seniors with AARP memberships get exclusive rates and discounts through Fetch and The Hartford pet insurance companies.
• Chronic Care Benefits: Includes diabetes supplies, arthritis meds, and mobility device reimbursements.
• 80% Reimbursement Rate: Most eligible claims are reimbursed at a consistent 80% rate.

Cons

• Age Limit of 14: Pets must be enrolled before their 15th birthday to qualify. Find out which providers offer the most affordable pet insurance today.
• No Wellness Add-Ons: Hartford pet insurance does not offer optional routine care packages.

#9 – Progressive: Best for Digital Tools

Pros

• Instant Quote Engine: Generates accurate pet insurance quotes and plan summaries in under two minutes.
• 24/7 Virtual Vet Access: All pet insurance plans include unlimited vet chat through a mobile app or desktop.
• 10% Multi-Pet Discount: Small but helpful discount applied to pet insurance for additional pets. Compare coverage and pricing in our Lemonade pet insurance vs. Progressive pet insurance guide.

Cons

• Single Wellness Option: Only one preventive care package is available for add-on.
• 7–10 Day Claim Timeline: Reimbursements may take longer compared to faster-processing competitors.

#1 – Healthy Paws: Top Overall Pick

Pros

Unlimited Lifetime Coverage: Healthy Paws offers pet insurance with no annual or per-incident caps. Learn what makes it a top pick in this Healthy Paws pet insurance review.
Up to 90% Reimbursement: Choose 70%, 80%, or 90% reimbursement after a deductible as low as $100.
10% Multi-Pet Discount: Save 10% per pet when you insure multiple animals under the same account.

Cons

No Wellness or Preventive Add-On: Healthy Paws pet insurance does not include options for dental cleanings or vaccinations.
Enrollment Cutoff at Age 14: Pets must be under 14 years old to qualify for new coverage.

#2 – Trupanion: Best for Immediate Payouts

Pros

Express Pay at Checkout: Trupanion pays the vet directly via Express Pay at over 7,000 clinics. See what makes it stand out in our Trupanion pet insurance review.
90% Fixed Reimbursement: All pet insurance plans cover 90% of eligible expenses, with no payout cap.
Recovery & Complementary Add-On: Optional rider covers acupuncture, hydrotherapy, and physical therapy.

Cons

No Custom Reimbursement Levels: Trupanion doesn’t allow changing from the default 90% rate.
Premiums Often Exceed $60: Monthly cost for large or older pets regularly tops $60 without discounts.

#3 – Nationwide: Best for Smooth Claims Process

Pros

Covers Exotic Pets: Only major pet insurance company that insures birds, reptiles, and small mammals.
5% Bundling Discount: Save 5% when you bundle pet insurance with auto or home coverage. Find out if it fits your needs by checking our Nationwide insurance review.
Whole Pet with Wellness: Their top-tier plan covers hereditary issues, dental cleanings, and vaccinations.

Cons

$1,000 Annual Cap: Most basic plans have an annual limit of $1,000, restricting claim totals.
Slower Claims Reimbursement: Claims may take up to 30 days to process and be paid.

#4 – Pets Best: Best for Budget-Friendly Policies

Pros

$9 per Month Accident-Only Plan: Entry-level pet insurance starts at just $9 monthly, covering emergency accidents.
Adjustable Deductibles: Customize your deductible from $50 to $1,000 to control premium costs.
5% Multi-Pet Discount: Enroll multiple pets to receive a 5% discount on monthly premiums. See how it handles orthopedic claims in this Pets Best insurance review.

Cons

6-Month Wait for Cruciate Ligaments: Conditions like ACL tears require a six-month waiting period.
No Direct Pay Option: You must pay the vet upfront and file claims separately for pet insurance reimbursement.

#5 – Embrace: Best for Wellness Benefits

Pros

Wellness Rewards Program: Offers reimbursement for grooming, spaying/neutering, and dental care up to $650 per year.
10% Multi-Pet Discount: Save 10% per pet when you add multiple animals to your plan. Uncover the key differences in our Embrace vs. Progressive pet insurance breakdown.
Diminishing Deductible: Deductible drops by $50 each claim-free year, down to $0 minimum.

Cons

Routine Care Requires Add-On: Wellness benefits are only available through the optional Rewards rider.
Limited Options for Seniors: New pet insurance policies for pets over 14 are limited to accident-only.

#6 – Figo: Best for Digital Convenience

Pros

Unlimited Coverage Option: Figo offers pet insurance plans with no annual caps, starting at $10,000 or unlimited.
70–100% Reimbursement: Choose from 70%, 80%, 90%, or 100% reimbursement options. Learn why unlimited coverage options stand out in this Figo pet insurance review.
Pet Cloud App: Includes 24/7 live vet chat, claims filing, and cloud document storage.

Cons

No Wellness Plan in Base Policy: Preventive care coverage requires purchasing the Powerups add-on.
Limited Phone Support: Figo provides mostly digital-only customer service for claims help.

#7 – Liberty Mutual: Best for Customizable Plans

Pros

Adjustable Reimbursement Rates: Choose 70%, 80%, or 90% reimbursement based on your pet’s needs and your budget.
Annual Limits Up to $10,000: Set annual payout max between $2,500 and $10,000. Learn which features make it unique in the Liberty Mutual insurance review.
10% Multi-Pet Discount: Receive a 10% discount when covering multiple pets under one account.

Cons

Routine Care Not Included: Preventive care like flea control and wellness exams requires an added rider.
Limited Online Tools: Liberty Mutual lacks a dedicated app for filing or managing pet insurance claims.

#8 – ASPCA: Best for Family Protection

Pros

Flexible Coverage Options: Choose between $5,000, $10,000, or unlimited annual limits. Explore plan options and discounts in this ASPCA pet health insurance review.
Microchip Coverage Included: All plans cover the cost of microchip implantation, saving up to $50.
10% Multi-Pet Discount: Save 10% on premiums by insuring more than one pet.

Cons

3–4 Week Reimbursement Time: Claims may take up to 28 days for payout, depending on plan type.
Manual Customization Required: You must adjust the deductible, limit, and reimbursement during signup for full control.

#9 – Pumpkin: Best for Preventive Care

Pros

90% Reimbursement Standard: All plans reimburse 90% of covered vet bills after the deductible. See how wellness coverage and pricing compare in our Pumpkin pet insurance review.
Includes Preventive Essentials: Wellness add-on covers annual vaccines, parasite screening, and exams.
10% Multi-Pet Discount: Get a 10% discount on each pet when enrolled under one Pumpkin plan.

Cons

No Accident-Only Option: All policies include full coverage starting at $30–$50 per month, limiting flexibility.
Average 14–28 Day Reimbursement: Claims often take 2–4 weeks to process and pay out.

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Monthly Pet Insurance Rates Vary Widely by Species

Monthly pet insurance rates vary widely by species. If you’re insuring both a cat and a dog, expect your dog’s rate to nearly double your cat’s. Dog insurance premiums tend to be higher because larger breeds often face more health issues and require pricier treatments.

Pet Insurance Monthly Rates for Cats vs. Dogs

Liberty Mutual’s $45 monthly dog rate means you’re paying over $500 a year, and that’s without routine care add-ons. However, you can modify Liberty Mutual pet coverage to fit your needs and budget.

On the flip side, Geico, State Farm, and Farmers also keep pricing steady for both dog and cat insurance, which helps when budgeting for both pets on one plan.

Learn More: Does State Farm offer pet injury coverage?

How Dog Age Impacts Pet Insurance Premiums

The older your dog gets, the more you’ll pay for pet insurance—and it adds up faster than most people expect. That’s because vet bills rise with age, and insurers adjust rates to match those risks.

Pet Insurance Monthly Rates for Dogs by Age

At age two, you’re looking at around $30 a month, which is manageable for most budgets. By four, it climbs to $35, a small bump but a sign of what’s coming. At six, rates reach $40 as long-term issues like arthritis or allergies become more common. Choosing pet insurance that covers spaying at this stage can also help manage early-care costs before complications arise.

By eight, you’re paying $55 each month — almost double the starting rate. That’s an extra $300 a year if you wait too long to enroll. Starting sooner can help lock in a lower rate before your dog hits those higher-risk years.

What to Expect From Cat Insurance Costs

Pet insurance for cats starts out affordable, but like vet bills, it doesn’t stay that way forever. As your cat gets older, you’ll see those monthly rates start to climb — and it’s not by accident.

Pet Insurance Monthly Rates For Cats by Age

At age two, $15 a month is easy to manage and covers the basics. By four, the price bumps to $18 to account for things like routine blood tests or dental work. At six, $22 reflects more frequent checkups and the start of age-related issues like thyroid or kidney concerns.

By eight, it’s $28 a month—nearly double what you’d pay if you signed up early. That extra $13 a month adds up fast and doesn’t even include unexpected care. This matters even more if you’re looking for pet insurance for purebred cats since they’re often more prone to genetic conditions that drive up costs over time.

Cat Insurance Rates by Breed Dog Insurance Rates by Breed

Simple Ways to Make Pet Insurance More Affordable

Pet insurance can get expensive, mainly when covering more than one furry friend. With the right discounts, monthly premiums become much easier to manage, and those savings really add up.

Pet Insurance Discounts From Top Providers

Nationwide’s bundling deal stands out with 20% off when you combine pet insurance with another policy, saving around $120 a year on a $50 plan. Liberty Mutual and American Family offer the biggest 25% discount on pet insurance for multiple pets, making it a wise choice for families with more than one animal.

Pet insurance doesn’t have to cost a fortune. With a few smart choices, you can get solid coverage and still stay within budget. The best time to sign up is when your pet’s still young — rates are lower, and you’ll avoid exclusions for pre-existing conditions.

You can also bump up your deductible to bring your monthly cost down without giving up coverage for the big stuff. Paying the full year upfront instead of per month can save you around 7%, which adds up quickly.

And if you’re juggling multiple policies to get enough coverage, stick with companies that offer stackable discounts or pet insurance that pays your vet directly, so you’re not stuck paying large bills out of pocket and waiting for reimbursement.

What Pet Insurance Covers Beyond Emergencies

Pet insurance isn’t just there for emergencies. Some pet owners even combine multiple policies to get enough coverage across wellness, emergencies, and long-term treatments.

Knowing what each type of coverage really includes can make a huge difference when it comes to choosing the right plan for your pet.

Pet Insurance Coverage Options

Preventive care might not feel urgent, but it covers vaccines, screenings, and even flea meds—stuff that helps you catch problems early before they get serious. Emergency care and hospitalization coverage kick in when your pet needs surgery, a night at the animal hospital, or treatment after an accident.

If your pet struggles with anxiety or joint pain, plans that include behavioral therapy or acupuncture can save you hundreds on treatments you’d otherwise pay for out-of-pocket. Other key types of pet insurance you might need are:

• Accident Coverage: Steps in when your dog eats something it shouldn’t or your cat takes a bad fall—those visits can rack up hundreds fast.
• Illness Coverage: Helps with things like ear infections, digestive issues, or chronic problems that require follow-ups and prescriptions.
• Hereditary Condition Coverage: Essential policiy if you’ve got a purebred pet since breeds like bulldogs or Maine Coons are more likely to face expensive genetic issues.

If you’ve got more than one pet, look for discounts for bundling pet insurance with auto or home insurance through providers like Geico and Nationwide to help lower coverage costs.

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Top Companies That Offer The Best Pet Insurance

Geico, Allstate, and Liberty Mutual are among the best pet insurance companies because each offers standout benefits. Geico keeps monthly costs low with flexible limits and direct vet pay options.

Allstate includes wellness perks like spaying, vaccines, and dental care, while Liberty Mutual offers flexible policies where pet owners only pick the coverage they need. Since dog premiums can reach $55 and cat plans nearly double by age eight, buying pet insurance early helps avoid rising costs.

Some providers even offer pet insurance with no waiting period, giving you immediate coverage when it matters most. To find the right plan for your budget and pet’s needs, use our free comparison tool to compare the best pet insurance companies, check quotes by ZIP code, and review coverage options side by side.

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