{"id":324679,"date":"2025-11-14T08:10:49","date_gmt":"2025-11-14T13:10:49","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88509"},"modified":"2025-11-14T08:57:53","modified_gmt":"2025-11-14T13:57:53","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/pet\/best\/","title":{"rendered":"The Best Pet Insurance Companies of 2025"},"content":{"rendered":"\n\n\n<h2 class=\"wp-block-heading\">Reviews Report&nbsp;<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Independent 2025 roundups consistently highlight Embrace and Figo as balanced, top\u2011value picks, with Trupanion standing out for direct\u2011to\u2011vet payments and no annual payout limits; Nationwide\u2019s 2024 pause of new pet policy sales changed the shopping landscape (<a href=\"https:\/\/www.nytimes.com\/wirecutter\/reviews\/best-pet-insurance\/\">Wirecutter<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/pet-insurance\/best-pet-insurance\/\">Forbes Advisor<\/a>; <a href=\"https:\/\/apnews.com\/\">AP<\/a>).<\/li>\n\n\n\n<li>Average accident &amp; illness premiums run roughly mid\u2011$50s\/month for dogs and low\u2011$30s\/month for cats, per industry data covering 2023 results published in 2024 (<a href=\"https:\/\/naphia.org\/industry-data\/2024-state-of-the-industry-report\/\">NAPHIA<\/a>).<\/li>\n\n\n\n<li>Veterinary services inflation has outpaced overall CPI since 2021, pressuring premiums and driving more flexible plan designs (e.g., adjustable deductibles\/reimbursement, optional exam\u2011fee riders) (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEMC\">BLS Veterinary Services CPI<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-pet-insurance-study\">J.D. Power<\/a>).<\/li>\n<\/ul>\n\n\n\n<p>Pet owners and experts agree: <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/pet\/is-pet-insurance-worth-it\/\">pet insurance is worth it<\/a>. Industry benchmarks show typical accident &amp; illness premiums around the mid\u2011$50s for dogs and low\u2011$30s for cats, with actual quotes varying by pet, location, and plan (<a href=\"https:\/\/naphia.org\/industry-data\/2024-state-of-the-industry-report\/\">NAPHIA<\/a>). With veterinary prices rising faster than overall inflation, coverage can help prevent tough trade\u2011offs between care and cost (<a href=\"https:\/\/data.bls.gov\/timeseries\/CUUR0000SEMC\">BLS Veterinary Services CPI<\/a>).<\/p>\n\n\n\n<p>To help you find the <a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#\">best pet insurance policy<\/a> for your pet and budget, we emphasized 2025\u2011relevant factors: coverage breadth (dental illness, behavioral care, hereditary conditions), exam\u2011fee options, waiting periods (including orthopedic\/ACL), claim speed and any direct\u2011to\u2011vet payments, digital tools, and price flexibility. We also considered recent satisfaction research on price and claims experience (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-pet-insurance-study\">J.D. Power<\/a>).<\/p>\n\n\n\n<p>Based on these findings, here are our top six pet insurance providers.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best\" title=\"The Best Pet Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 6 Best Pet Insurance Companies<\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#figo\">Figo<\/a>: Best for Technology \u2014 Optional 100% reimbursement in many states, 24\/7 Live Vet, modern app and unlimited annual limit options (<a href=\"https:\/\/figopetinsurance.com\/coverage\">Figo coverage<\/a>; <a href=\"https:\/\/www.nytimes.com\/wirecutter\/reviews\/best-pet-insurance\/\">Wirecutter<\/a>).<\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#petplan\">Petplan\u00ae<\/a>: Best for Boarding Emergencies \u2014 Now branded Fetch by The Dodo in many materials; known for strong dental\u2011illness and behavioral coverage options alongside core A&amp;I benefits (<a href=\"https:\/\/www.forbes.com\/advisor\/pet-insurance\/best-pet-insurance\/\">Forbes Advisor<\/a>).<\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#nationwide\" class=\"achor-toggles\">Nationwide\u00ae<\/a>: Best for Birds and Exotic Pets \u2014 Broad species eligibility historically; note Nationwide paused new pet policy sales in 2024 (<a href=\"https:\/\/apnews.com\/\">AP<\/a>).<\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>: Best for Pet Insurance Discounts \u2014 Coverage administered by Embrace, which includes exam fees and offers the $50 \u201cHealthy Pet Deductible\u201d credit each claim\u2011free year (<a href=\"https:\/\/www.embracepetinsurance.com\/coverage\">Embrace<\/a>).<\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#healthypaws\">Healthy Paws\u00ae: <\/a>Best for Fast Claims Processing \u2014 Simple plan with unlimited annual payout and a long track record of quick digital reimbursements (<a href=\"https:\/\/www.consumerreports.org\/pets\/pet-insurance-a6658706927\/\">Consumer Reports<\/a>).<\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/#petassure\" rel=\"nofollow\" class=\"achor-toggles\">Pet Assure<\/a>: Best for Pre-Existing Conditions \u2014 Not insurance; a 25% in\u2011network discount program with few exclusions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Compare the Best Pet Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-bordered table-striped table--bordered-top\"><table><tbody><tr><td><br><\/td><td>Reviews.com Score<\/td><td><strong>Vet Exam Fees Covered<\/strong><\/td><td><strong>Reimbursement Rate<\/strong><\/td><td><strong>Deductible<\/strong><\/td><\/tr><tr><td>Figo<\/td><td>\u2014<\/td><td>Optional add-on (varies by state)<\/td><td>70%\u2013100%<\/td><td>$100\u2013$750<\/td><\/tr><tr><td>Petplan<\/td><td>\u2014<\/td><td>Yes, for sick\/injury exams and virtual exams<\/td><td>70%\u201390%<\/td><td>$250\u2013$500<\/td><\/tr><tr><td>Nationwide<\/td><td>\u2014<\/td><td>Varies by plan<\/td><td>50%\u201390%<\/td><td>$250\u2013$500<\/td><\/tr><tr><td>Geico<\/td><td>\u2014<\/td><td>Yes (through Embrace)<\/td><td>70%\u201390%<\/td><td>$100\u2013$1,000<\/td><\/tr><tr><td>Healthy Paws<\/td><td>\u2014<\/td><td>No<\/td><td>70%\u201390%<\/td><td>$100\u2013$1,000<\/td><\/tr><tr><td>Pet Assure<\/td><td>N\/A*<\/td><td>Yes<\/td><td>25% discount<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of 2025. *Pet Assure is a discount plan, not insurance; Reviews.com score not applicable. Notes: Geico\u2019s coverage is administered by Embrace (<a href=\"https:\/\/www.embracepetinsurance.com\/coverage\">Embrace<\/a>). Nationwide paused sales of new pet insurance policies in 2024; existing policyholders remain covered (<a href=\"https:\/\/apnews.com\/\">AP<\/a>). Trupanion is a 2025 standout for direct\u2011to\u2011vet payment, fixed 90% reimbursement, no annual caps, and per\u2011condition lifetime deductibles (<a href=\"https:\/\/trupanion.com\/pet-insurance\/coverage\">Trupanion coverage<\/a>).<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"figo\" title=\"Figo\"><\/span>\n    \n\n                                                \n\n\n<section id=\"figo-pet-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Figo Pet Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for User Technology<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Figo supports up to 100% reimbursement (in many states), 24\/7 Live Vet chat, and a mobile-first Pet Cloud app for claims, records, reminders, and lost-pet tools. Plans offer high or unlimited annual limits and competitive pricing for many profiles.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26673875&#038;cr=28427&#038;last_updated=1599082135&#038;subid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$100\u2013$750\/yr.<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Deductible\n                                                    <span class=\"tooltip-content\">A deductible is the amount of money you pay out of pocket before insurance kicks in.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">70%\u2013100%<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reimbursement Rate\n                                                    <span class=\"tooltip-content\">This is the percentage of the vet bill that a pet insurance company will pay you after submitting a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        No. of Plans\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Figo supports up to 100% reimbursement (in many states), 24\/7 Live Vet chat, and a mobile-first Pet Cloud app for claims, records, reminders, and lost-pet tools. Plans offer high or unlimited annual limits and competitive pricing for many profiles.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Optional 100% reimbursement (state-dependent)<\/li>\n                            <li>Intuitive app and 24\/7 tele-vet<\/li>\n                            <li>Unlimited annual limit available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Exam fees require add-on in many states<\/li>\n                                        <li>No coverage for pre-existing conditions<\/li>\n                                        <li>Preventive care is separate (wellness add-ons)<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">What&#8217;s Covered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Illness\/accidents, diagnostics, surgery, rehab\/<span>PT<\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hereditary\/congenital conditions (if not pre-existing)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency care\/hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescriptions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Knee\/hip conditions (waiting periods may apply)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Exclusions<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventive care unless on wellness add-on<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Births\/pregnancy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exam fees without optional rider (in many states)<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"petplan\" title=\"Petplan\"><\/span>\n    \n\n                                                \n\n\n<section id=\"petplan\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Petplan<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Boarding in Emergencies <\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Now widely known as Fetch by The Dodo (formerly Petplan), this plan includes no-copay VirtualVet visits and can cover boarding if you\u2019re hospitalized. It\u2019s also frequently noted for strong dental-illness and behavioral coverage options among comprehensive A&#038;I plans.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672020&#038;cr=27350&#038;last_updated=1591304300&#038;rvitemid=346771-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare Rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$250\u2013$500\/yr.<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Deductible\n                                                    <span class=\"tooltip-content\">A deductible is the amount of money you pay out of pocket before insurance kicks in.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">70%\u201390%<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reimbursement Rate\n                                                    <span class=\"tooltip-content\">This is the percentage of the vet bill that a pet insurance company will pay you after submitting a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">1<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        No. of Plans\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Now widely known as Fetch by The Dodo (formerly Petplan), this plan includes no-copay VirtualVet visits and can cover boarding if you\u2019re hospitalized. It\u2019s also frequently noted for strong dental-illness and behavioral coverage options among comprehensive A&#038;I plans.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>No age limits<\/li>\n                            <li>Sick exam fees covered<\/li>\n                            <li>Dental-illness and behavioral coverage options<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Doesn&#8217;t cover preventive care under A&#038;I<\/li>\n                                        <li>Orthopedic waiting periods may apply<\/li>\n                                        <li>Pre-existing conditions excluded<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">What&#8217;s Covered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Illness\/accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hereditary\/congenital conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescriptions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgery\/rehabilitation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diagnostics\/imaging\/ultrasounds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advertising\/reward costs<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Exclusions<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventive care (unless on wellness add-on)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Elective procedures<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Nationwide\"><\/span>\n    \n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Exotic Pets &#038; Birds<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide historically offered broad coverage (including wellness options) and is notable for birds and exotic pets. Note: it paused sales of new pet insurance policies in 2024; existing policyholders remain covered.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.petinsurance.com\/?rvitemid=335651-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$250\u2013$500\/yr.<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Deductible\n                                                    <span class=\"tooltip-content\">A deductible is the amount of money you pay out of pocket before insurance kicks in.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">50%\u201390%<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reimbursement Rate\n                                                    <span class=\"tooltip-content\">This is the percentage of the vet bill that a pet insurance company will pay you after submitting a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        No. of Plans\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide historically offered broad coverage (including wellness options) and is notable for birds and exotic pets. Note: it paused sales of new pet insurance policies in 2024; existing policyholders remain covered.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Exotic pets and bird coverage<\/li>\n                            <li>Covers preventative care (select plans)<\/li>\n                            <li>Multi-pet discount<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Lower reimbursement tiers possible<\/li>\n                                        <li>Orthopedic waiting periods may apply<\/li>\n                                        <li>New policy sales paused in 2024<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">What\u2019s Covered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Illness\/accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hereditary\/congenital conditions (varies by plan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescriptions and diagnostics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgery\/rehabilitation<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Exclusions<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hip dysplasia or hereditary issues may have limits (by plan)<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Geico\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico-pet-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico Pet Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico\u2019s pet insurance is administered by Embrace, which offers multiple discounts (multi-pet, pay-in-full, spay\/neuter) and includes exam fees in standard A&#038;I coverage. Embrace also features the $50 Healthy Pet Deductible credit each year you don\u2019t receive a claim reimbursement.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.geico.com\/pet-insurance\/\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$100\u2013$1,000\/yr.<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Deductible\n                                                    <span class=\"tooltip-content\">A deductible is the amount of money you pay out of pocket before insurance kicks in.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">70%\u201390%<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reimbursement Rate\n                                                    <span class=\"tooltip-content\">This is the percentage of the vet bill that a pet insurance company will pay you after submitting a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        No. of Plans\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico\u2019s pet insurance is administered by Embrace, which offers multiple discounts (multi-pet, pay-in-full, spay\/neuter) and includes exam fees in standard A&#038;I coverage. Embrace also features the $50 Healthy Pet Deductible credit each year you don\u2019t receive a claim reimbursement.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Flexible, customizable coverage via Embrace<\/li>\n                            <li>Multiple discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Service administered by a third-party (Embrace)<\/li>\n                                        <li>State-specific waiting periods apply (orthopedic for dogs)<\/li>\n                                        <li>Pre-existing conditions excluded<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">What&#8217;s Covered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents and illnesses (not pre-existing)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exam fees included (A&#038;I)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental illness, behavioral and alternative therapies (per policy terms)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional wellness add-ons<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Exclusions<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cosmetic procedures and breeding\/pregnancy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription diets under medical plan<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"healthy\" title=\"Healthy Paws\"><\/span>\n    \n\n                                                \n\n\n<section id=\"healthy-paws\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Healthy Paws<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Claims Processing<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Healthy Paws offers a simple accident &#038; illness plan with unlimited annual payout and fast digital claims, making it attractive if you want straightforward, high-coverage benefits without wellness add-ons.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.healthypawspetinsurance.com\/?rvitemid=307954-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$100\u2013$500\/yr.<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Deductible\n                                                    <span class=\"tooltip-content\">A deductible is the amount of money you pay out of pocket before insurance kicks in.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">70%\u201390%<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reimbursement Rate\n                                                    <span class=\"tooltip-content\">This is the percentage of the vet bill that a pet insurance company will pay you after submitting a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">1<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        No. of Plans\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Healthy Paws offers a simple accident &#038; illness plan with unlimited annual payout and fast digital claims, making it attractive if you want straightforward, high-coverage benefits without wellness add-ons.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Fast claims processing and payments<\/li>\n                            <li>Unlimited annual payout<\/li>\n                            <li>Online quote and comparisons<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Doesn&#8217;t cover exam fees<\/li>\n                                        <li>Hip dysplasia coverage may be limited by age at enrollment<\/li>\n                                        <li>No wellness add-ons<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">What&#8217;s Covered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Illness\/accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hereditary\/congenital conditions (if not pre-existing)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency care\/hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgery and diagnostics<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Exclusions<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventive treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Examination fee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"pet-assure\" title=\"Pet Assure\"><\/span>\n    \n\n                                                \n\n\n<section id=\"pet-assure\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Pet Assure<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Pre-Existing Conditions<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Pet Assure is a low-cost discount membership that takes 25% off in-network vet services with minimal exclusions. It isn\u2019t insurance and doesn\u2019t reimburse claims, but it can help for pre-existing conditions and routine care at participating clinics.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.petassure.com\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">None<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Deductible\n                                                    <span class=\"tooltip-content\">A deductible is the amount of money you pay out of pocket before insurance kicks in.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">25% Discount<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reimbursement Rate\n                                                    <span class=\"tooltip-content\">This is the percentage of the vet bill that a pet insurance company will pay you after submitting a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">1<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        No. of Plans\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Pet Assure is a low-cost discount membership that takes 25% off in-network vet services with minimal exclusions. It isn\u2019t insurance and doesn\u2019t reimburse claims, but it can help for pre-existing conditions and routine care at participating clinics.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>All animals covered<\/li>\n                            <li>No deductibles or usage limits<\/li>\n                            <li>Money-back guarantee<\/li>\n                            <li>No waiting<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not full pet insurance<\/li>\n                                        <li>No medication or prescription discounts at some clinics<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">What\u2019s Covered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions (discount applies)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical procedures and sick visits (in-network)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Exclusions<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Out-of-network providers (no discount)<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Pet Insurance: What You Need to Know&nbsp;<\/h2>\n\n\n\n<p>Pet insurance works like health insurance for people: after you meet your deductible, the insurer reimburses a set percentage of covered costs. In 2025, most plans offer 70%, 80%, or 90% reimbursement, with some as low as 50% or up to 100% (Figo). Typical annual deductibles span about $100\u2013$1,000, though some carriers offer $0 to $2,500 options; Trupanion uses a per\u2011condition lifetime deductible with a fixed 90% payout and no annual caps (<a href=\"https:\/\/figopetinsurance.com\/coverage\">Figo<\/a>; <a href=\"https:\/\/www.metlifepetinsurance.com\/plan-options\/\">MetLife<\/a>; <a href=\"https:\/\/trupanion.com\/pet-insurance\/coverage\">Trupanion<\/a>).<\/p>\n\n\n\n<p>Many of the best pet insurance providers we reviewed have deductibles \u2014 similar to other types of insurance like <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\" rel=\"nofollow\" class=\"achor-toggles\">car insurance<\/a>, <a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\" rel=\"nofollow\" class=\"achor-toggles\">homeowners insurance<\/a>, or health insurance \u2014 that pet owners must reach before insurance kicks in. Typical reimbursement choices are 70%\u201390%, and common annual deductibles range from about $100 to $1,000; one major carrier (Trupanion) uses a per\u2011condition lifetime deductible with a fixed 90% payout and no annual caps (<a href=\"https:\/\/trupanion.com\/pet-insurance\/coverage\">Trupanion<\/a>).<\/p>\n\n\n\n<p>For example, if you have a $500 deductible plan and a 90% reimbursement rate when you discover your dog is sick. After a trip to the vet, your bill is $1,000. After paying your $500 deductible, your insurance will cover 90% of the last $500 \u2014 or $450 \u2014 so you only end up paying $550.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What pet insurance covers<\/h3>\n\n\n\n<p>Accident &amp; illness policies generally cover diagnostics (X\u2011rays, MRIs, bloodwork), treatments\/surgeries, hospitalization, and prescriptions. Most leading plans also cover hereditary\/congenital conditions if not pre\u2011existing; many now include or offer add\u2011ons for dental illness, behavioral therapy, rehab\/alternative therapies, and even end\u2011of\u2011life benefits depending on the carrier (<a href=\"https:\/\/www.embracepetinsurance.com\/coverage\">Embrace<\/a>; <a href=\"https:\/\/www.lemonade.com\/pet\/explained\/whats-covered\">Lemonade coverage<\/a>; <a href=\"https:\/\/www.aspcapetinsurance.com\/what-we-cover\/\">ASPCA coverage<\/a>).<\/p>\n\n\n\n<p>Some carriers support direct\u2011to\u2011vet payments to reduce upfront costs (notably Trupanion\u2019s Vet Direct Pay), and most now provide mobile\u2011first claim tools with fast digital reimbursements. Optional vet exam\u2011fee coverage is common, but inclusion varies by brand and state (<a href=\"https:\/\/vet.trupanion.com\/express\">Trupanion Express<\/a>; <a href=\"https:\/\/www.nytimes.com\/wirecutter\/reviews\/best-pet-insurance\/\">Wirecutter<\/a>).<\/p>\n\n\n\n<ul>\n<li>Prescriptions<\/li>\n\n\n\n<li>Ultrasounds<\/li>\n\n\n\n<li>Bloodwork<\/li>\n\n\n\n<li>Emergency vet visits<\/li>\n\n\n\n<li>Illnesses except pre-existing conditions<\/li>\n\n\n\n<li>Dental issues<\/li>\n\n\n\n<li>Congenital or hereditary conditions<\/li>\n\n\n\n<li>Medical procedures and surgery<\/li>\n\n\n\n<li>X-rays<\/li>\n\n\n\n<li>Accidents and injuries<\/li>\n\n\n\n<li>Rehabilitation after surgery<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Common pet insurance exclusions<\/h3>\n\n\n\n<p>Pre\u2011existing conditions are excluded industry\u2011wide. Many brands distinguish curable vs. incurable pre\u2011existing conditions; for example, ASPCA may cover certain curable conditions after 180 symptom\u2011 and treatment\u2011free days (knees\/hips typically excepted). Exam fees are not universally covered (some include them, others require an add\u2011on or exclude), and prescription diets\/supplements are commonly excluded under medical coverage (<a href=\"https:\/\/www.aspcapetinsurance.com\/what-are-pre-existing-conditions\/\">ASPCA pre\u2011existing conditions<\/a>; <a href=\"https:\/\/www.embracepetinsurance.com\/coverage\">Embrace<\/a>; <a href=\"https:\/\/www.lemonade.com\/pet\/explained\/whats-covered\">Lemonade<\/a>).<\/p>\n\n\n\n<p>Orthopedic waiting periods for dogs (e.g., cruciate ligament issues) are common and often around six months unless you complete a qualifying orthopedic exam\/waiver where available (Embrace). Trupanion excludes exam fees and uses a 5\u2011day accident\/30\u2011day illness waiting period; wellness and preventive care (vaccinations, spay\/neuter) are typically available only via separate add\u2011ons or plans (<a href=\"https:\/\/www.embracepetinsurance.com\/coverage\">Embrace<\/a>; <a href=\"https:\/\/trupanion.com\/pet-insurance\/coverage\">Trupanion<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Further Reading<\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/healthy-paws-pet-insurance-review\/\">Healthy Paws Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/figo-pet-insurance-review\/\">Figo Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/nationwide-pet-insurance-review\/\">Nationwide Review<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/pet\/best-cheap\/\">The Best Cheap Pet Insurance<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Pet Insurance FAQ<\/h2>\n\n\n<div id=\"block_5eb458281caed\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best pet insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>It depends on your pet, budget, and desired features. In 2025, Embrace and Figo are strong starting points for many shoppers; include Trupanion if you value direct-to-vet payments and no annual caps, and compare against value picks like Lemonade and Pets Best. Verify state-specific waiting periods (esp. orthopedic), exam-fee coverage, dental\/behavioral benefits, and annual limits.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5eb458501caee\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is it worth it to get pet insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Yes for many households\u2014especially as veterinary services inflation has outpaced overall CPI in recent years, raising the cost of care. Choose a carrier with clear coverage terms and fast claims to maximize value, and tailor reimbursement\/deductible levels to your risk tolerance.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5eb458571caef\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average cost of pet insurance per month?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Recent industry data show typical accident &#038; illness premiums around the mid-$50s per month for dogs and low-$30s for cats. Quotes vary by breed, age, ZIP code, annual limit, reimbursement %, and deductible\u2014and premiums often rise as pets age.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5eb4589d1caf1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Will pet insurance cover vaccinations?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Vaccinations are preventive care and typically not covered under accident &#038; illness policies. If routine costs matter to you, look for a wellness add-on (availability varies by carrier and state).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5eb4596b1caf2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does pet insurance work?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Most plans use an annual deductible, then pay a set percentage (commonly 70%\u201390%) of covered costs. One notable exception is Trupanion, which has a per-condition lifetime deductible with a fixed 90% reimbursement and can pay many vets directly at checkout.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\">Pet Insurance Methodology<\/h3>\n\n\n\n<p>We evaluated pet insurers on coverage (including hereditary\/behavioral\/dental illness), exclusions and waiting periods (especially orthopedic\/ACL and bilateral rules), deductibles and reimbursement flexibility, payout limits (including unlimited options), digital claims experience and direct\u2011to\u2011vet payment availability, price benchmarks, and customer satisfaction signals. We incorporated current industry data and independent evaluations, including <a href=\"https:\/\/naphia.org\/industry-data\/2024-state-of-the-industry-report\/\">NAPHIA<\/a>, <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-pet-insurance-study\">J.D. Power<\/a>, <a href=\"https:\/\/www.nytimes.com\/wirecutter\/reviews\/best-pet-insurance\/\">Wirecutter<\/a>, and <a href=\"https:\/\/www.forbes.com\/advisor\/pet-insurance\/best-pet-insurance\/\">Forbes Advisor<\/a>.<\/p>\n\n\n\n<ul>\n<li>Coverage and exclusions: Priority on broad A&amp;I coverage (chronic\/hereditary), clear pre\u2011existing rules (including curable condition look\u2011backs), and options for exam\u2011fee, dental\u2011illness, behavioral, and alternative therapies.<\/li>\n\n\n\n<li>Deductibles and reimbursement: Favorable for wider, flexible options (e.g., 70%\u201390% or up to 100% reimbursement; $100\u2013$1,000 deductibles; per\u2011condition lifetime deductibles where relevant).<\/li>\n\n\n\n<li>Payout limits: Higher caps or unlimited options scored better.<\/li>\n\n\n\n<li>Claims experience: Preference for fast digital claims and, where available, direct\u2011to\u2011vet payment to reduce out\u2011of\u2011pocket strain.<\/li>\n\n\n\n<li>Price and satisfaction: Benchmarked against recent averages and considered satisfaction drivers identified in independent studies.<\/li>\n<\/ul>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report&nbsp; Pet owners and experts agree: pet insurance is worth it. Industry benchmarks show typical accident &amp; illness premiums around the mid\u2011$50s for dogs and low\u2011$30s for cats, with actual quotes varying by pet, location, and plan (NAPHIA). With veterinary prices rising faster than overall inflation, coverage can help prevent tough trade\u2011offs between care [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":359691,"parent":1770,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1272],"tags":[],"post_author":[16029],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Pet Insurance Companies of 2025 - Reviews.com<\/title>\n<meta name=\"description\" content=\"To help you find the best pet insurance policy for your four-legged friend, your budget, and your preferences, we scoured the market.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/pet\/best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Pet Insurance Companies of 2025 - 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