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Best Pet Insurance

Best Pet Insurance

Having a pet is a bliss, and when they suffer, their owners hurt, too. Pet insurance makes things easier when the unexpected injury or illness happens. Parents can find peace of mind knowing they have their furry children’s back in case the worse things happen. That is why pet insurance is helpful and needed, and not just a marketing tool from insurance providers.

Best pet insurance of 2025

Editors' choice

Healthy Paws

Editor's rating:
No payment caps
Extensive medical coverage
No add-ons
Mobile app
Budget-friendly

Lemonade

Editor's rating:
Quick reimbursement process
Customizable policy
Several handy add-ons
Responsive customer support
Comprehensive coverage

Embrace Pet Insurance

Editor's rating:
PawSupport
Mobile app
Exam fees coverage
Wellness plan
Editors' choice

Healthy Paws

Editor's rating:
Starting price: $12.29/mo
Main features
  • No payment caps
  • Extensive medical coverage
  • No add-ons
  • Mobile app
  • Easy claim submission
  • Can pay vets directly
  • Senior maximum enrollment age
  • Charitable donations
  • No exam and wellness coverage
  • Long waiting period
  • No multi-pet discounts
Summary
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Among the rising number of companies that provide pet insurance plans,  is a name that stands out, and with good reason. The company offers pet parents reasonably priced, customizable policies that far outshine most of its competitors in terms of coverage. The lack of payment caps is particularly appealing.

It’s a worthwhile investment in more ways than one, since the Healthy Paws Foundation helps countless nonprofit pet rescue organizations with various donations. What’s more, the company has a dedicated, compassionate team working hard to help unfortunate pets receive the expensive, often lifesaving treatments that they require. The company also has a refer a friend scheme and other programs that result in rewards.

Special offers
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Extra discounts in voluntary benefits program
Affinity discounts through membership organizations
Refer a Friend program
Budget-friendly

Lemonade

Editor's rating:
Starting price: $10/mo
Main features
  • Quick reimbursement process
  • Customizable policy
  • Several handy add-ons
  • Responsive customer support
  • Quick reimbursement process
  • Customizable policy
  • Several handy add-ons
  • Responsive customer support
  • Up to 6-month waiting period for some conditions
  • Not available in some states
Summary
View summary

Lemonade‘s main goal is to simplify the experience of getting insurance, from pets to housing and cars. Offering a unique blend of reliability and clarity, Lemonade includes coverage of diagnostics, procedures, and medication in cases of unexpected accidents and illnesses.

Prices start at $10 per month. However, the final price is determined by the pet’s age, breed, and location. It’s also possible to get a feel of what Lemonade looks like by going through its quote flow.

Special offers
View offers
5% off Lemonade with multi-pet policy
10% discount on Lemonade bundles
Comprehensive coverage

Embrace Pet Insurance

Editor's rating:
Starting price: $11.60/mo
Main features
  • PawSupport
  • Mobile app
  • Exam fees coverage
  • Wellness plan
  • Exam coverage
  • 24/7 PawSupport
  • Mobile app
  • Personalized policy
  • Reimbursement caps
  • No direct vet payment
Summary
View summary

There’s nothing worse than getting an expensive bill you weren’t expecting. Pet owners often struggle with this, but pet insurance services like exist to make their lives easier. This provider offers diverse services at reasonable prices, presenting its insurance plans in a transparent and easy-to-understand way.

Embrace Pet Insurance has something for everyone, covering illnesses, conditions, accidents, injuries, and even dental diseases. With prices starting at $13.32 per month for dogs and 11.60 for cats, it makes sure insurance remains accessible.

Special offers
View offers
$50 annual deductible decrease with Embrace Pet Insurance
10% discount for enrolling multiple pets
5% discount on Embrace Pet Insurance for active or former military members
15-day money-back guarantee of Embrace Pet Insurance

Other pet insurance

Pet insurance reviews

When choosing a pet insurance company, it is crucial to do your research by reading independent reviews such as ours written by experts and experienced users to get a clear idea of what is offered.

Pet insurance comparison

Objectively put aside two pet insurance providers to analyze exactly what is being covered, how long they have been in business for and the conditions of each firm before making a final decision.

How to choose the right pet insurance

When choosing the most appropriate insurance, ask yourself two main questions: ‘What are my financial possibilities?‘ and ‘What are my pet’s needs?‘.

Obviously, pet insurance needs to fit your own financial possibilities. In this regard, look at three main aspects:

  1. What is the company’s monthly premium? Can I pay it monthly?
  2. What is the deductible? Does the company offer an annual deductible or a lifetime, per-illness one? Can I afford it?
  3. What is the provider’s reimbursement level? Can I afford paying upfront, knowing that the company will send me its part of the vet invoice later on?

As about the second question, ask yourself:

What are my pet’s condition predisposition? It is a purebred pet, and if yes, what are the typical conditions that characterize my pet’s health?

  1. What are my furry friend’s medical records? Does it show signs of preexisting conditions?
  2. What does the insurance provider cover?
  3. Can I afford to pay a bit extra for a wellness plan? If yes, what exactly does it cover?

Finding the answers to all of these questions and then looking for a pet insurance firm that covers what you and your pet need will help you choose the right pet insurance. Remember, the most important one is what exactly the provider covers.

Make sure you fully understand the pet insurance company’s coverage. If you have any unclarities, make sure to contact the firm and find out exact answers. You don’t want to wake up in a scenario where your pet gets seriously ill only to find out that the treatment for that condition not only that it is extremely expensive, but it is not covered, either.

Dog insurance

Dogs are prone to a set of conditions that are extremely costly, like cancer, diabetes, heart worm or rabies. To avoid unfortunate events, dog insurance is meant to help owners treat them.

 

Cat insurance

Our feline pals are also prone to certain conditions, such as diabetes, cancer, or respiratory infections. Their cure sometimes costs thousands of dollars. Cat insurance will help the parent pay for these treatments.

 

Pet insurance 101

What is pet insurance?
Costs involving pet insurance
How do I enroll my pet?

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