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Best Pet Insurance Providers
Pets are like family and deserve the best medical care possible when things go awry. Unfortunately, veterinary costs and treatments can be wildly expensive, often leaving pet parents to make extremely difficult decisions. That’s where pet insurance can help. Much like health insurance for humans, the best pet insurance provides coverage for illnesses and accidents, allowing you to spend more time caring for your pet and less time worrying about how to pay for their care.
Having gained popularity in recent years, pet insurance is now offered by many providers, with pet insurance costs much lower than those for humans. Recognizing the importance of this decision, we’ve reviewed the top pet insurance companies and ranked them based on key criteria, including cost, reimbursement types, and exclusions.
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Trusted Company Reviews #1 Pick for 2025
- Payments made directly to veterinarians
- Up to 100% coverage on qualifying expenses
- No payout limits on yearly care costs
Why we love it 💖
Careplus by Chewy customers can experience up to 100% coverage with no annual limits.
Our Highest Rated Pet Insurance Companies
- Wide range of policy options to fit any budget
- Live telehealth visits with all policies
- Up to 100% coverage of pet medications and supplements
- Some plans are available with no waiting period
- 24/7 On-Demand Pet Telehealth
- Wellness package add-ons
- No pre-requisite vet exam necessary for enrollment
- Deductible options as low as $100
- Discounts for bundling with car, rent, home, or term-life insurance
- Preventative care add-on
- Congenital and hereditary condition coverage
- Deductibles as low as $100
- Hip Dysplasia coverage on all accident and illness policies
- Extra office visits for senior pets
- Dental illness coverage
- 5% Veterans discount
- 24/7 Telehealth Care
- Prescription coverage
- 90% expense reimbursement
- Up to $40,000 annual coverage
What is pet insurance?
Pet insurance policies work similarly to human health insurance policies. They design each plan to cover the financial cost of veterinary services and pet health needs as they arise. Typically, the policies are affordable and cover a wide range of services. However, it is essential to familiarize yourself with the exclusions of each policy to avoid any unexpected fees.
Is pet insurance necessary?
Choosing to purchase a pet insurance policy is a personal decision that depends on several factors. Pet healthcare can be very expensive, especially when surgery or hospitalization are required. Unfortunately, accidents and illnesses occur without warning and often leave pet parents scrambling to manage a sudden financial burden.
To make matters worse, veterinarians require payment at the time of service, leaving no time to save or pay in installments. If you are certain that you will always have savings available to pay for your fur-baby’s care, you might opt not to purchase a policy.
However, an affordable pet insurance policy ensures that you always have options when it comes to covering these unexpected and hefty costs.
How does pet insurance work?
Once you purchase a pet insurance policy, you’ll pay a monthly fee to cover the premium. When your pet requires medical attention, you’ll take your pet to the veterinarian. In most cases, you’ll pay your veterinarian directly and then file a pet insurance claim by submitting the receipt to your insurance company with a request for reimbursement. Your insurance company will then reimburse you for any qualifying expenses as outlined in your policy.
Be sure to read your policy carefully, as most policies are subject to a deductible and coverage caps. For instance, let’s say your pet’s veterinarian bill is $500, and all the necessary care is covered.
If you haven’t used your policy yet during the policy year, your deductible will apply to this visit. Let’s assume you have a $250 deductible. Now, the insurance company will look at your chosen reimbursement rate. If you’ve chosen 90% and have not yet met your maximum annual coverage for the year, you’ll receive $225. Future vet bills may be reimbursed more fully once you meet your deductible.
How will the pet insurance company send my money?
In most cases, your pet insurance company will directly deposit reimbursement funds into your bank account. However, in some instances, you may be permitted or required to receive a paper check in the mail.
Is pet insurance accepted everywhere?
If your policy pays your veterinarian directly, you must first confirm that your insurance company works with the veterinarian in question. However, for most pet insurance plans, you may use the veterinarian of your choice since you’ll be submitting your receipt, often on a mobile app, to the insurance company directly.
Best Pet Insurance Companies Compared
| Payment type | Max annual coverage | Reimbursement Options | Deductible | |
| Careplus by Chewy | Direct Pay or Reimbursement | $20,000-Unlimited | 80%-90% | $250, $500, $1,000 |
| Spot | Reimbursement | $2,500-Unlimited | 70%, 80%, 90%, 100% | $100, $250, $500, $750, $1000 |
| Lemonade | Reimbursement | $5,000-$100,000 | 70%, 80%, 90% | $100, $250, $500, $750 |
| Embrace | Reimbursement | $5,000-Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1000 |
| Odie | Reimbursement | $5,000-Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1000 |
Careplus by Chewy
Best Overall
Trusted Company Reviews Rating Score for Careplus by Chewy: 9.6
Review
Our #1 pick for the best pet insurance brand is easily Careplus by Chewy. Trusted pet partners Chewy, Lemonade, and Trupanion have teamed up to develop the most comprehensive and convenient pet insurance policy on the market.
The standout feature of policies available through Careplus by Chewy is direct pay. Unlike other policies, which require you to pay your veterinarian bills before submitting a request for reimbursement, your Careplus by Chewy policy will provide payment directly to the veterinarian.
About
Besides the added convenience of direct pay, Careplus by Chewy policies also stand out for their excellent cost and coverage options. When selecting your policy, you can choose plans with $20,000 to unlimited benefits, up to 90% coverage, and deductibles as low as $250.
Features and Benefits
- Payments made directly to veterinarians
- Up to 100% coverage on qualifying expenses
- No payout limits on yearly care costs
- Wide range of policy options to fit any budget
- Live telehealth visits with all policies
- Up to 100% coverage of pet medications and supplements
- Some plans are available with no waiting period
Why We Chose
Careplus by Chewy clearly stood out against others in the field. Their options, cost, and ability to directly pay the veterinarian were unmatched by any other providers we reviewed.
Pros and Cons
Pros
- Policy pays the veterinarian directly
- A wide variety of customizable plans are available
- Some plans have no waiting period
Cons
- Pre-existing conditions excluded
- Some plans require a 14-day waiting period
| Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
| CAREPLUS BY CHEWY | Direct Pay or Reimbursement | $20,000-Unlimited | 80%-90% | $250, $500, $1,000 |
Spot
Most Customizable
Trusted Company Reviews Rating Score for Spot: 9.1
Review
If you’re looking for a fully customizable pet insurance plan, Spot has it! With options to adjust your maximum annual coverage, reimbursement percentage, and deductible tiers, you can create a plan that fits within your budget and caters to your top priorities. Even more exciting are their optional wellness packages, which cover care typically excluded in pet insurance plans.
About
Spot knows how much you love your pet, so they provide options and policies to fit any budget. Also, with no specific enrollment period or pre-requisite vet exam, you can sign up for a new policy at any time.
Features and Benefits
- 24/7 On-Demand Pet Telehealth
- Wellness package add-ons
- Microchip coverage with most plans
- No pre-requisite vet exam required for enrollment
- Deductible options as low as $100
- 30-day money-back guarantee
Why We Chose
The high cost of medical care should never stifle the love you have for your pet. That’s why we love Spot and their customizable plans. You can customize your deductible, coverage limits, and annual payout to create policies for as little as $15/month. If you have more than one pet, you’ll enjoy a 10% multi-pet discount for even more savings.
Pros and Cons
Pros
- Highly customizable and affordable
- Up to unlimited annual coverage
- Deductibles as low as $100
Cons
- Reimbursement option only, no direct pay to the vet
- Preventative care is available as an add-on only
- 14-day waiting period
| Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
| SPOT | Reimbursement | $2,500-Unlimited | 70%, 80%, 90%, 100% | $100, $250, $500, $750, $1000 |
Lemonade
Best Bundles and Add-Ons
Trusted Company Reviews Rating Score for Lemonade: 9.0
Review
Lemonade is a clear contender on our list of the best pet insurance providers and for good reason. Their options for bundling home, auto, term, and pet insurance make them a one-stop shop for all of your major insurance needs. Furthermore, they offer excellent add-ons that cover preventive care and end-of-life care, something often overlooked by most other providers.
About
Don’t let Lemonade’s relatively recent beginnings deter you. While the company is young, they’ve come out strong by focusing heavily on customer service, transparency, and affordability. New members will also be excited to find that they can choose a non-profit to receive donations from Lemonade each year, a further testament to their values.
Features and Benefits
- Discounts for bundling with car, rent, home, or term-life insurance
- Preventative care add-on
- End-of-Life care add-on
- Congenital and hereditary condition coverage
- Maximum annual coverage $5,000-$100,000
- Deductible plans as low as $100
Why We Chose
When compiling our list of the Top 5 Pet Insurance Providers, we knew immediately that Lemonade would earn a spot. Their members enjoy affordable plans with customizable deductibles and coverage options they can bundle with home, auto, and life insurance for deep discounts. Policyholders who want to ensure coverage for preventive care, end-of-life care, and congenital and hereditary conditions can access add-ons tailored to their specific needs.
Pros and Cons
Pros
- Discounts for bundling with car, renter, home, or term-life insurance
- Add-ons for preventative care and end-of-life services
- Deductibles as low as $100
Cons
- No direct pay option
- No life telehealth coverage
- Long waiting periods for certain conditions
| Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
| LEMONADE | Reimbursement | $5,000-$100,000 | 70%, 80%, 90% | $100, $250, $500, $750 |
Embrace
Best for Breeds Prone to Hip Dysplasia
Trusted Company Reviews Rating Score for Embrace: 8.9
Review
Embrace Pet Insurance Company does something no other company will: it cares for pets with hip dysplasia. Rather than excluding hip dysplasia care for breeds such as German Shepherds, Mastiffs, Golden Retrievers, Pugs, Boxers, Great Danes, and others based on their genetics, it embraces their care needs and provides coverage. If your beloved pooch is prone to this painful condition, you need Embrace.
About
When your pet needs a little more medical attention than others, Embrace is the company that will provide it. Their policies stand out with coverage for hip dysplasia, dental care, and wellness, including extra office visits for senior pets.
Features and Benefits
- Hip Dysplasia coverage on all accident and illness policies
- Extra office visits for senior pets
- Dental illness coverage
- 5% Veterans discount
Why We Chose
Embrace’s pet insurance plans provide many of the same benefits as other top-tier competitors, including up to unlimited maximum annual coverage, up to 90% reimbursement on qualifying expenses, and deductible choices as low as $100. However, they also include coverage for hip dysplasia, even in dog breeds that are genetically predisposed to the condition. This inclusion is not available in any other plan we reviewed, making the Embrace policy a must-have for pet parents with these specific breeds.
Pros and Cons
Pros
- Hip dysplasia coverage
- Congenital disorder coverage
- Deductibles as low as $100
Cons
- 16-day illness waiting period
- 6-month orthopedic coverage waiting period
- No direct pay option
| Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
| EMBRACE | Reimbursement | $5,000-Unlimited | 70%, 80%, 90% | $100, $250, $500, $750, $1000 |
Odie
Simple and Affordable
Trusted Company Reviews Rating Score for Odie: 8.8
Review
While Odie is a relatively new pet insurance provider, we were impressed with how simple their policies are to purchase and use. Their policies are easily customized and can be purchased online, offering options to create either an illness and injury plan or an accident-only plan. An additional wellness package is available for those who’d like to add it on. Furthermore, all their plans provide 90% coverage of qualifying expenses and start at just $20 per month.
About
Odie Pet Insurance Company was founded in 2019 and acquired ManyPets pet insurance as of January 1, 2025. While they’re relatively new in the pet insurance market, they are making a name for themselves through their affordability and simplicity.
Features and Benefits
- 24/7 Telehealth Care
- Maximum deductible of $500
- Prescription coverage
- 90% expense reimbursement
- No breed or upper age limits
- Simple reimbursement process
- Premiums starting at $20 per month
- Up to $40,000 annual coverage
Why We Chose
During our review process, Odie earned a spot on our list of the Top 5 pet insurance companies due to its ease of use and affordability. While they may not offer all the bells and whistles of some other companies, they provide solid policies with coverage for the everyday needs of pets.
Pros and Cons
Pros
- No breed or upper age limits
- Simple reimbursement process
- Premiums starting at $20 per month
Cons
- Few customization options
- Long wait periods for some conditions
- Max of $40,000 annual coverage
| Payment Type | Max Annual Coverage | Reimbursement Options | Deductible | |
| ODIE | Reimbursement | $10,000-$40,000 | 90% | $250, $500 |
Frequently Asked Questions
These are some of the most common questions surrounding pet insurance providers.
Each pet insurance policy will clearly list the services it covers and those it excludes. In many cases, your pet insurance plan will cover care related to accidents and illnesses. To retain coverage for wellness visits and preventive care, you will need to purchase an add-on to your policy. When purchasing your policy, be sure to familiarize yourself with excluded services.
Each pet insurance company determines which services it will exclude from its policy. However, there are several standard exclusions that apply to most policies. These include care related to pre-existing conditions, breeding and whelping care, care due to neglect or abuse, and services necessary due to breed-specific congenital conditions. In some cases, you can purchase an add-on to your policy to cover some conditions or treatments that are excluded from the original policy.
The best time to purchase pet health insurance is before your pet becomes injured or ill. This might be when you first adopt your pet, or when you feel that your pet is aging and may soon require more care than when they were a puppy. However, waiting puts you at risk of incurring an expense before the waiting period is over or of having your pet diagnosed with a condition that will later be considered “pre-existing.”