Best Pet Insurance in 2025 (Your Guide to the Top 10 Companies)

Best Pet Insurance: Nationwide

3,071 reviews

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4.0

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Company Facts

Pet Insurance Rates

$23/mo

A.M. Best

A+

Complaint Level

Low

Pros & Cons

• Covers exotic pets (unique among insurers)
• Comprehensive wellness & illness plans
• Discounts for multiple pets

• Higher premiums than some competitors
• Some conditions have long waiting periods

» Nationwide Pet Insurance Review

3,071 reviews

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Top Customizable Plans: Geico

19,116 reviews

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4.4

Company Facts

Pet Insurance Rates

$19/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Pet Insurance Review

19,116 reviews

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Best Reimbursement Flexibility: Progressive

13,283 reviews

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4.3

Company Facts

Pet Insurance Rates

$18/mo

A.M. Best Rating

A+

Complaint Level

Med

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Pet Insurance Review

13,283 reviews

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Nationwide, Geico and Progressive offer the best pet insurance, with monthly coverage rates as low as $14. Nationwide leads for its affordable, comprehensive plans.

Geico stands out for its unique flexible plans and extensive coverage, such as acupuncture and behavioral therapy for pets, and Progressive excels for its wide range of illness benefits, such as accident-only coverage and dental coverage.

Our Top 10 Company Picks: Best Pet Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A+	Comprehensive Plans	Nationwide
	#2	25%	A++	Flexible Plans	Geico
	#3	10%	A+	Flexible Coverage	Progressive
	#4	17%	B	Reliable Service	State Farm
	#5	25%	A+	Customizable Options	Allstate
	#6	25%	A	Pet Care Discounts	Liberty Mutual
	#7	13%	A++	Multi-Pet Discounts	Travelers
	#8	25%	A+	Local Support	Erie
	#9	20%	A	Affordable Rates	Farmers
	#10	30%	A+	Trusted Reputation	Amica

This pet insurance guide will help you review the best pet insurance companies. We will help you find the best pet insurance suited to your budget and your pets’ needs. Compare pet insurance quotes from companies by entering your ZIP code now.

#1 — Nationwide: Top Overall Pick

Pros

• Extensive Coverage Selection:  Nationwide is the best pick for pet owners who want better security for their companions because it covers various hereditary and chronic illnesses.
• Coverage for Exotic Pets: Nationwide pet insurance review mentioned that not many providers cover birds, reptiles, and other exotic pets, and they are among the providers that do.
• Inclusion for Wellness Plan: Nationwide pet insurance plans include wellness rather than as an add-on so pet owners can budget for vaccinations and exams.

Cons

• Less Customization for Plans: Nationwide doesn’t allow pet owners to adjust deductibles or reimbursement rates.
• Higher Prices for Older Pets: Rates for senior pets are higher, making them not the best choice for pet owners on a budget.

#2 — Geico: Best for Flexible Plans

Pros

• 24/7 Vet Care: Geico insurance review said pet owners can be certain that their pets can get the best care with Geico’s 24/7 comprehensive vet care.
• Combine Pet Insurance: Existing policy owners of Geico can avail 20% discount by combining it with other policy.
• Personalized Options for Pet Owners: They have a plan that is flexible for pet owners, with them being able to freely customize their pet insurance plans in Geico’s mobile app.

Cons

• Pet Insurance Cost Varies by Breed: Larger and high-risk breeds may have higher premiums.
• No Exotic Pet Coverage: Policies are limited to cats and dogs.

#3 — Progressive: Best for Flexible Coverage

Pros

• Flexible Coverage Options: Progressive permits pet owners to select from several levels of reimbursement (70%, 80%, 90%), annual limits, and deductibles.
• 24/7 Vet Support: With Progressive’s telehealth support, pet owners can access consultations anytime.
• Multi-Pet Discount Up to 10%: Progressive insurance review mentioned that they also offer pet insurance, and you can even save when insuring more than one pet.

Cons

• Breed-Specific Premium Increases: Because of breed-specific health issues, certain breeds of dogs, for example, Great Danes or Bulldogs, can carry higher premiums.
• Cost Increases Annually: Premiums rise as pets age and may not be the best pet insurance for owners looking for an affordable plan.

#4 — State Farm: Best for Reliable Service

Pros

• Reliable Customer Service: State Farm insurance review is reputed for offering top-notch customer service, and it assists pet owners with claims or policy changes for their cats and dogs.
• Established Trust: State Farm is a well-established insurer that offers pet owners peace of mind through its pet insurance coverage.
• Bundling Discounts: Purchasing pet insurance alongside other insurance policies can help pet owners get 20% off discounts.

Cons

• Higher Costs for Certain Breeds: Premiums vary based on breed and health risks.
• Wellness Coverage Costs Extra: Routine care is an add-on that is not included in base plans. Learn about other coverage add-ons online in the State Farm digital app.

#5 — Allstate: Best for Customizable Options

Pros

• Insure All-Kinds-Of Pet: Pet owners can save 25% if they insure multiple pets at home.
• Pet Add-Ons: Pet owners can save with Allstate’s pet insurance policy because dental care and cleaning procedures are added to the plan without an extra premium charge.
• Flexible Pet Options: Pet owners can pick and choose coverage limits and reimbursement rates with Allstate’s customizable options for pet insurance plans.

Cons

• No Exotic Pet Coverage: Covers only cats and dogs.
• App May Not Reliable: Some pet owners and policyholders report that the Allstate app is not always working.

#6 — Liberty Mutual: Best for Pet Care Discounts

Pros

• Extensive Discount Programs: Liberty Mutual insurance review said it offers 25% off for multi-pet policies.
• Low-Cost Pet Insurance: Pet owners can choose the coverage level for their pet policies to fit their budgets.
• Vast Health Coverage: Liberty Mutual pet insurance covers hereditary and chronic conditions, which include diabetes, allergies, and joint issues.

Cons

• Long Waiting Periods: To fully utilize the insurance plan, diseases would need at least 14 days, and orthopedic illnesses would need 6 months.
• Costly Preventative Care: Routine and wellness care costs extra and is not included in the base plans.

#7 — Travelers: Best for Multi-Pet Discounts

Pros

• Huge Multi-Pet Discounts: If you insure more than one pet, Travelers offers pet insurance that can save you up to 13% on discounts.
• Affordable Pet Insurance: Travelers Insurance Review & Complaints said they offer low-cost coverage for unexpected injuries.
• No Breed Restrictions: All breeds are eligible for coverage for dogs and cats.

Cons

• Cost Varies by Location: Dog pet insurance rates depend on where you live.
• Limited Insurance Included: Routine care and wellness benefits or preventative care require an add-on.

#8 — Erie: Best for Local Support

Pros

• Personalized Customer Service: Best pet insurance due to a strong local agent network for assistance.
• Save With Pet Insurance: Up to 25% multi-pet discount, which means lower costs for multiple pets.
• Uncommon Pet Coverage: The Erie insurance review mentioned that it offers unusual preventive care ride benefits, such as pet coverage and injury protection.

Cons

• Higher Cost With Age: Older dog pets see increasing premiums in insurance.
• No Exotic Pet Coverage: Only available for cats and dogs.

#9 — Farmers: Best for Affordable Rates

Pros

• Low Monthly Costs: Farmers insurance review mentioned that they are the best pet insurance for offering budget-friendly plans for all pet owners.
• Alternative Therapy Coverage: Acupuncture, hydrotherapy, and physical therapy are included for cats and dogs for pet insurance.
• No Age Limit: For enrollment, older pets can still receive coverage.

Cons

• Cost Varies by Breed: Some dog breeds have higher premiums.
• Waiting Periods Apply: 14 days for illnesses and six months for orthopedic conditions.

#10 — Amica: Best for Trusted Reputation

Pros

• Strong Customer Reputation: Amica’s pet insurance has high claims service and reliability ratings.
• Earn Big: Save up to 30% with Amica on multiple pets and also offer policyholders 90% reimbursements for pet bills.
• No Payout Caps: Pet insurance for cats and dogs with no annual or lifetime limits on eligible claims.
• Effective Claims Process: Fast and easy online claims filing and pet insurance reimbursement.

Cons

• Cost Increases Over Time: Older dog pets see rising premiums.
• No Exotic Pet Coverage: Limited to cats and dogs. But if you plan to get an exotic pet, ensure you know what legalities and liabilities to comply with when getting exotic pet ownership.
• Illness and Accident Coverage: A 14-day wait for illnesses and two days for accidents conclude a long waiting period for coverage.

Best Pet Insurance Rates by Provider & Coverage Level

Pet insurance is one option to boost your family’s financial stability. For example, if your pet gets hurt or becomes unwell, you can avoid paying the full cost of unforeseen vet bills by finding the best pet insurance quotes.

Pet Insurance Monthly Rates by Provider: Cats vs. Dogs

Company	Cats	Dogs
	$18	$30
	$20	$34
	$17	$28
	$21	$33
	$19	$32
	$22	$35
	$23	$37
	$18	$31
	$20	$29
	$19	$30

While pet insurance plans for hereditary and congenital disorders, accidents, and other basic issues are similar, there are variations in benefits, costs, and extras.

Pet Insurance Average Premiums for Dogs by Age

Also, if you own a service animal, you can check which provides the best pet insurance for service dogs and service animal companies to get your companion insured.

Pet insurance for cats is typically less expensive than dog insurance cost.

Pet Insurance Average Premiums for Cats by Age

However, the precise cost of insuring your pet will vary depending on several factors, not only the insurance you select.

When you file for pet insurance for your animal companion, you should take into account various discounts from these top pet insurers to get the best affordable pet insurance fit for your budget and your furbabies’ needs. Pet insurance might not cover your pet’s pre-existing conditions or ailments before the policy’s start date and any waiting period.

The type of pet insurance plan you purchase will determine what is covered. What are the types of pet insurance? There are primarily three main plans:

• Accident and illness plans: These plans typically cover broken bones, inherited disorders, congenital conditions, cancer, and more.
• Accident-only strategies: Accident-only coverage only pays for accident-related incidents, like a broken bone.
• Wellness plans: You can sometimes get a pet insurance add-on for basic treatments like your pet’s annual wellness exam, immunizations, heartworm medication, and other regular care expenses.

In addition, getting comprehensive pet insurance for your home animals is suggested for their future protection and to avoid financial stress.

For more options, you can check providers other than the top 10 pet insurers in this article, like Embrace pet insurance or 24watch pet insurance.

Factors That Affect the Cost of Pet Insurance

Based on the following variables, pet insurance prices can vary:

• Pet’s Age and Breed: Purebreds typically cost more to insure than mixed-breed pets. No matter the breed, premiums rise with age. In addition, your options for insurance will dramatically decrease after your dog or cat reaches 10 or 12.
• Location: Pet insurance is frequently more expensive for animals that reside in cities, particularly along the beaches.
• Deductibles: You can usually choose your deductible or the amount you must pay out of pocket before your insurance policy begins to provide benefits. Remember that while annual deductibles for all treatments are typical, certain employers may also impose incidental or conditional deductibles.
• Preventative Care Add-ons: An accident or illness coverage plan provides the best value, but you can also include preventative care coverage. Comprehensive insurance refers to policies covering routine medical care and treatment for accidents or illnesses.

Pet insurance costs more than just the premiums — you’ll probably still have to pay out-of-pocket costs even after the insurance begins to pay. So, while planning your budget for your pet’s insurance coverage, keep the following in mind:

• Reimbursements: You pay for all veterinarian visits and associated costs before requesting a reimbursement, though some providers may offer direct payment to vets. Plans usually reimburse 70% to 90% of covered expenses.
• Payout Caps: After you’ve used up all of your policy’s maximum coverage, most plans stop paying out. Most pet insurance has an annual expense cap, but others include caps for each disease or injury or even for the entire animal’s life. For greater caps, be prepared to pay higher rates.

Pet insurance is a great way to provide financial protection for your pet in the event of illness or injury. However, it is important to be aware of the additional costs involved in pet insurance. Before you decide on a plan, research all the costs associated with the policy to ensure you get the best pet insurance quotes for your buck.

Insurance For Pets Explained

A health insurance plan for your pet called pet insurance covers medical bills and other expenses. Reimbursement-based pet insurance policies often require you to pay the pet’s medical expenses upfront before filing a claim with the insurance provider. However, a few businesses can make direct payments to the veterinarian, minimizing your out-of-pocket expenses.

Usually, there’s a deductible before coverage begins. For instance, you might have to pay the initial $500 in veterinary expenses before your pet insurance begins to cover them.

Pet insurance may not cover all of your medical expenses, even if you pay your deductible. Often, you can choose your refund amount, with typical reimbursements of 70%, 80%, or 90% of your veterinary expenses.

Other Factors Affecting the Best Pet Insurance Coverage

A few more aspects can influence your choice of pet health insurance coverage. Most businesses in our ranking provide various customer service alternatives, including mobile app access, email, phone, and online chat help. You can discover insurance that suits your preferences for policy administration and claims handling by looking at customer service and support alternatives.

For example, several businesses in our review provide wellness or complementary care packages, including hydrotherapy, acupuncture, and chiropractic care. When all else is equal, considering your alternatives for extra coverage and customer support might assist you in making your choice.

It is also important to consider any add-on or additional coverage you might want. ASPCA pet health insurance can also be a great choice because it offers an excellent routine care package for pets.

How to Pick the Best Pet Insurance Provider for Your Needs

Several factors must be considered when looking for pet health insurance. By following the tips below, you can find the best company and coverage for you and your pet.

First, you should consider the policy type you require for your pet. Typically, pet owners have three options for insurance policies:

• Accident and illness insurance: Covers treatment for cancer, UTIs, ear infections, broken bones, and ingested items.
• Health insurance: Covers standard procedures, including immunizations, examinations, spaying and neutering, and nail trimming.
• Exotic pet insurance: For animals other than cats or dogs, such as hamsters, rabbits, geckos, and snakes. Learn more about exotic pet ownership here.

After you choose your policy, determine what it does and doesn’t cover, like any ailments, diagnostic procedures, and treatments it covers. Note any restrictions, age exclusions, or other limitations.

Types of Pet Insurance Coverage by Provider

Insurance Company	Accident & Illness	Accident-Only	Wellness Plan
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌
	✅	❌	✅
	✅	❌	❌
	✅	❌	❌
	✅	❌	❌

For example, if you have a breed of pet predisposed to inherited or congenital illness, like hip dysplasia or asthma, ensure your policy covers treatment for them. Generally, pet insurance doesn’t cover preexisting conditions.

You should also define your deductible — or the out-of-pocket amount — before an insurer pays out a claim. The businesses in our rating often provide two categories of deductibles:

• Yearly deductibles: What is an annual deductible? Yearly deductibles are comparable to health insurance plans. You must pay an annual sum, like $500, for any insured care, regardless of the kind. Any additional expenses that fall within your coverage limitations get paid for by the insurer after you meet your deductible.
• Per-condition deductibles: A group of deductibles unique to various situations is called a per-condition deductible. For instance, a policy may have a different deductible for conditions including liver illness, cancer, heart disease, and arthritis.

An annual deductible might be less expensive if your pet needs to see the vet more than once a year, and each visit is for a new injury or illness. On the other hand, a per-condition deductible might be more affordable if your pet gets sick or has a problem that requires ongoing care or frequent visits but doesn’t have any other problems.

Both deductibles have advantages and disadvantages, but neither is fundamentally superior. Finding the best pet insurance with the cheapest costs can be difficult.

However, factors such as your pet’s breed type and age, pre-existing illnesses, and location can determine how much your premium rates would be for the best insurance for your pets.

Pet Insurance Discounts From the Top Providers

Insurance Company	Available Discounts
	Multi-Policy, Multi-Pet, Claim-Free, Automatic Payments, Paperless Billing, Early Enrollment, Early Renewals, Bundling with Auto/Home, No-Claims Bonus, Group Membership Discounts
	Loyalty, Bundling, No-Claims Bonus, New Policyholder, Pay-In-Full, Multi-Year Renewal, Pet Wellness Plan, Referral Discounts
	Multi-Policy, Long-Term Customer, Annual Payment, Pay-In-Full, Safe Pet Owner Discount, Bundling, Claim-Free Discounts, Group Membership Discounts
	Multi-Policy, Responsible Pet Owner, Paperless Billing, Early Signing, New Pet Enrollment, Pay-In-Full, No Claims, Long-Term Customer Discounts
	Multi-Pet, Membership Discounts, Early Enrollment, Claim-Free, Pay-In-Full, Bundling, Military Discounts, Senior Discounts, Loyalty Discounts
	Multi-Policy, Early Enrollment, Pay-In-Full, Paperless, Multi-Year Loyalty Discounts, Claim-Free, Long-Term Customer, Group Discounts
	Multi-Pet, Wellness Plan Discounts, Automatic Renewal, Safe Pet Owner, Long-Term Customer, Paperless Billing, No-Claims Bonus, Pay-In-Full
	Multi-Policy, Online Enrollment, Paperless, Pay-In-Full, Loyalty, No-Claims Bonus, Claim-Free, Senior Discounts, New Policyholder Discounts
	Multi-Policy, Safe Home Discount, Long-Term Customer, Claim-Free, Bundling, Paperless Billing, Auto-Pay, New Pet Discounts
	Multi-Pet, Bundling Discounts, Pay-In-Full, Claim-Free, Paperless, Multi-Policy Loyalty, Early Enrollment, Annual Payment, Referral Discounts

If you’re still looking to save on your pet insurance coverage, consider the following tips below:

• Choose a reimbursement percentage. Find a reimbursement percentage with monthly rates you can afford. The percentages of your veterinary charges that are typically reimbursed range from 60% to 100%, depending on the insurer.
• Find out what restrictions are available. Limits are the maximum sums that an insurer will cover (for example, $10,000 per year). While some insurers don’t have yearly limits, others do. If a policy contains an annual cap, your insurance company will only pay out costs up to that cap. You must pay for further expenses until the following policy year.
• See if you can alter your premiums. Some insurers allow consumers to tailor their premiums if they change one or more policy components. For example, you could get lower premiums if you lower your payout thresholds and reimbursement rate or increase your deductible. However, each adjustment could result in higher out-of-pocket costs.
• Look for exclusive offers. Some insurers provide discounts that can lower coverage costs. Discounts come in various forms and aren’t always available, though they could be for annual pay, multiple pets, military service, or employee benefits. For instance, Nationwide gives a 5% discount if you bundle other policies you have with the company, like home insurance coverage.

While comparing pet insurance quotes can be discouraging, there are various ways for customers to find a policy that fits their needs and budget.

Claims Process by Top Providers for the Best Pet Insurance

Another factor you should consider when looking for the best pet insurance for your furry companion is how pet insurers handle their claims processes and payouts. Providers outside the top 10 pet insurance companies, like 24petwatch insurance, offer easy claims filing and prompt and reasonable processing times.

Pet Insurance Claims Process by Provider

Insurance Company	Claim Filing Method	Average Claim Approval Time	Reimbursement Method	Mobile App Support	Direct Vet Payment Available
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, email, mail, fax	3-5 days	Check or direct deposit	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No
	Online portal, mobile app	10 days	Direct deposit or check	Yes	No

We have provided a list of the best pet insurance for your selection. Knowing this information can help you narrow down the cheapest pet insurance for your and your furry friend’s protection.

Read more: Healthy Paws Pet Insurance Review & Complaints

How We Conducted the Best Pet Insurance Analysis

Getting the best pet insurance for your four-legged friends at home can sometimes be overwhelming. Most pet insurance policies cover situations where your pet gets hurt or ill, and the policy occasionally gets divided into different accident and illness policies. However, wellness policies, plans, and riders are rare. Many businesses offer distinct wellness insurance policies, like Nationwide pet insurance that offers routine care or preventative care rides.

Comment
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One thing to watch out for is the wellness rewards program that some businesses, like Embrace, offer. While they cover check-ups and other preventative care up to a specific sum each year, they aren’t insurance policies or riders. When comparing companies that provide wellness add-ons, check to discover whether the wellness plans are insurance policies.

That’s why start comparing the best pet insurance companies now, and get your companions protected by entering your ZIP code in our free quote tool today.