6 Best Pet Insurance Companies

Our Expert Take

Our analysis rates the Pets Best Elite plan as one of the top choices for 2025. The plan is known for combining wide-ranging coverage with affordability. You can choose your annual limit, deductible, and reimbursement percentage, making the plan highly flexible for your budget.

Pets Best covers accidents, illnesses, surgeries, diagnostics, hereditary conditions, and prescription medications. You can add a wellness plan for veterinary checkups, vaccinations, and preventive treatments. The straightforward claims process and short waiting periods also appeal to many pet owners.

Expert reviewers give high ratings for transparency and customization. The coverage is effective for both dog and cat insurance, helping you manage both planned and unexpected vet expenses.

Consumer Sentiment Index

Pet owners consistently rate Pets Best Elite highly for its flexible coverage and customer service. Many prefer to choose an annual limit that suits their needs, with options ranging from $5,000 to unlimited coverage.

A review of recent sentiment surveys shows that users value the simple mobile app for filing claims and tracking reimbursements. Complaints mainly focus on specific exclusions, such as pre-existing conditions and certain dental procedures.

The Consumer Sentiment Index for this plan is higher than average among pet insurers, with users appreciating the clear policy details and helpful support. Strong marks for coverage breadth make it an attractive choice for both new and experienced pet owners.

Pros & Cons

Pros:

• Adjustable annual limits, deductibles, and reimbursement levels
• Covers dogs and cats of all ages
• Fast and easy claims process, often through an app
• Optional wellness plan for preventive care
• Generally lower average premiums versus other top plans

Cons:

• Pre-existing conditions are not covered
• Excludes some dental and elective procedures
• Reimbursement checks can take several days
• Some wait periods for orthopedic conditions

Choosing Pets Best means accepting some common insurance exclusions but gaining strong flexibility and competitive pricing.

Customer Satisfaction Survey

Recent survey data shows that most customers find Pets Best Elite Plan reliable and easy to use. More than 85% of surveyed policyholders report satisfaction with the claims experience and customer support.

Many users highlight how the plan helps them afford sudden treatments for dogs and cats. Negative comments generally mention confusion about coverage limits or frustration with wait times for claim approvals.

The vast majority, however, say they would recommend Pets Best to friends and family looking for dependable pet insurance. The plan’s strong satisfaction scores place it ahead of many competitors in both coverage and service.

Plan Details

The Pets Best Elite Plan offers three annual coverage limit options: $5,000, $10,000, or unlimited. You can choose a deductible between $50 and $1,000, with reimbursement rates of 70%, 80%, or 90% of covered veterinary expenses. A multi-pet discount is available if you insure more than one pet.

Optional add-ons include coverage for vet exam fees, wellness care, and microchipping. The plan is available nationwide. Older pets may have age restrictions for enrollment, but there is no age limit for keeping a continuous policy.

Coverage Details

Policyholders can select from several options for reimbursement and annual limits, allowing you to tailor the coverage to fit your budget and pet’s needs. Add-ons such as vet exam fee coverage, euthanasia, or microchipping help you customize your pet’s insurance plan.

Our Expert Take

Figo stands out for its user-friendly approach to pet insurance. You can manage your policy and claims online using a well-designed mobile app. This app helps track your pet’s health care, find vets, and even connect with other pet owners.

Figo’s policies cover accidents, illnesses, emergency care, surgeries, and hereditary conditions. You can tailor the coverage amount, annual limit, and deductible to fit your budget and your pet’s needs.

Multi-pet discounts are available if you are insuring more than one animal, which may lower costs. Vet direct pay allows the insurance company to pay your vet directly, reducing your out-of-pocket costs at the clinic.

Consumer Sentiment Index

According to recent reviews from sources like Forbes Advisor and Money, pet owners report high satisfaction with Figo’s claims process and tech tools. Figo is often considered a good value, especially for pets with minor pre-existing conditions that may still be covered.

A recent analysis shows Figo ranks among the best for customer experience, flexibility, and affordability. Most reviewers say Figo’s mobile app is a strong advantage, as it improves communication and transparency.

Negative feedback is generally about limits for older pets and premiums that rise as pets age. Many users report quick claims payments and helpful customer support, even during emergencies.

Pros & Cons

Pros:

• Wide range of coverage options
• Digital claims system and app
• Fast reimbursement, vet direct pay
• Multi-pet discounts available

Cons:

• Premiums can increase with age
• No wellness or routine care option
• Some limits for senior pets
• Waiting periods on some coverages

Figo lets you customize almost every part of your policy. Vet direct pay is a standout feature for many. Their focus on simple digital tools can make a big difference when dealing with stressful vet visits.

On the other hand, Figo does not offer a wellness plan for routine care. You may also notice rate hikes as your pet gets older.

Customer Satisfaction Survey

Customer survey results gathered by consumer review sites show Figo receives above-average marks for claims speed and ease of use. More than 80% of users surveyed found the claims submission process straightforward, especially through the app or online portal.

About 75% of surveyed pet owners said they would recommend Figo to a friend because of helpful support and fast responses to coverage questions. Some users highlighted direct payment to vets as their favorite feature, since it reduces their out-of-pocket expenses.

A few customers report confusion about waiting periods and coverage for pre-existing conditions. Still, most pet owners rate their overall experience as positive and say Figo delivered on promised benefits.

Plan Details

Figo offers three core plans: Essential with $5,000 annual coverage, Preferred with $10,000, and Ultimate with unlimited coverage. Policyholders can choose reimbursement rates of 70%, 80%, 90%, or 100%, and annual deductibles range from $100 to $750. Optional add-ons are available for routine wellness care, dental illnesses, and vet exam fees.

Figo is accessible for older animals, as there are no age restrictions on enrolling pets. All plans include 24/7 access to live vet chat, providing convenient support for urgent questions anytime.

Coverage Details

You can add coverage for preventive care, end-of-life expenses, and vet exam fees, but these are not included as standard. Microchipping is covered only under the wellness add-on. This lets you tailor your policy for exactly what your pet needs.

Our Expert Take

Chewy’s Essential Plus Plan, offered through CarePlus in partnership with Trupanion, stands out for covering major medical expenses like accidents and illnesses for both dogs and cats. It offers coverage from a young age with no upper age limits and no annual payout caps, making it perfect for long-term protection.

One key advantage is that Trupanion may pay vets directly, minimizing the need for reimbursement—something not all insurers offer. You’ll also benefit from Chewy’s customer service and claims support, streamlining plan management.

The plan effectively addresses serious health issues but is less focused on routine care unless you include a wellness option. For cat owners in particular, the strong illness coverage and clear policy terms—excluding pre-existing conditions—can make it a compelling choice.

Consumer Sentiment Index

Chewy’s insurance customers generally leave positive reviews, often praising the straightforward claims process and helpful support team during vet emergencies. On third-party review sites, the Essential Plus Plan typically earns ratings between 4 and 4.7 out of 5 stars.

Cat owners appreciate the illness coverage, while dog owners highlight support for emergency expenses. Some complaints mention exclusions for dental, breeding, or pre-existing conditions, and note that premiums can be higher than basic plans, but are often considered worthwhile for the coverage provided.Negative feedback mostly centers on denied claims for uncovered services, such as wellness care not included without an add-on. Still, most users report dependable protection and clear, responsive communication from Chewy.

Pros & Cons

Pros:

• No annual or lifetime payout limits
• Fast, direct payments to veterinarians (when available)
• Works for dogs and cats of all ages
• 24/7 customer service and access to a pet health helpline
• Option to add a wellness plan for routine care

Cons:

• Does not cover pre-existing conditions
• Routine and wellness care are only available if you pay for the extra wellness plan
• Premiums may be higher than some competitors
• Coverage options and underwriters may vary by location
• Some procedures and conditions, like dental illnesses, are not included

This summary helps you compare the Essential Plus Plan at a glance.

Customer Satisfaction Survey

A recent customer satisfaction survey of Chewy insurance users highlighted strong approval for the service. About 88% of respondents rated the claims process as “quick” or “very quick,” and 84% said the Essential Plus Plan made them feel more secure about handling vet expenses. Many also reported positive experiences with customer support, noting that questions were addressed clearly and promptly.

Some participants were confused about policy exclusions, particularly regarding wellness benefits that require purchasing a separate wellness plan. Cat owners, in particular, appreciated the fast response to illness claims, finding it especially helpful.

Plan Details

The Chewy Essential Plus Plan covers dogs and cats, but there may be age restrictions for new sign-ups. It reimburses medical costs related to accidents, illnesses, and hereditary conditions, with flexible options for deductibles and reimbursement percentages. Monthly premiums vary based on factors like your pet’s age, breed, and location, typically starting between $40 and $65.

However, the plan does not cover routine or preventive care, such as vaccinations or dental cleanings. It also excludes behavioral treatments and pre-existing conditions, so it’s important to review the coverage details carefully before enrolling.

Coverage Details

If you have more than one pet, you can save with a multi-pet discount. Vet visits and exam fees are included in the coverage. Microchipping, though important for pet safety, is not covered under the Essential Plus Plan. Euthanasia and related end-of-life expenses can be reimbursed when linked to a covered condition.

Our Expert Take

Embrace is known for its broad accident and illness coverage, making it a popular choice for pet owners seeking reliability. You can also add optional wellness plans, which cover routine care such as vaccinations and annual checkups. Embrace provides various reimbursement levels and annual deductible choices, letting you adjust your plan to fit your budget.

Industry analysts often point out Embrace’s straightforward claims process and clear policy language. Waiting periods for accidents are typically two days, while illness coverage has a 14-day waiting period. No pet insurance offers immediate coverage, but Embrace’s timelines are among the shortest.

An important feature is the diminishing deductible, which lowers by $50 each year when you don’t file a claim. This reward system can help you save money in the long term. Coverage limits are competitive, with choices up to $30,000 per year in many states.

Consumer Sentiment Index

Embrace receives consistently positive feedback from customers for its quick reimbursements and easy-to-use app. Many pet owners highlight the helpfulness of the customer support team.

Ratings on independent review sites tend to fall between 4.0 and 4.6 out of 5 stars. Users point out that the claims approval process is clear, and funds are often returned within days of approval.

However, some customers note occasional premium increases as pets age or as veterinary costs in their area rise. Complaints about denied wellness claims are less common than average, thanks to Embrace’s clear policy wording. Consumers seem to view Embrace as a dependable option with above-average service quality.

Pros & Cons

Pros

• Short waiting periods: 2 days for accidents, 14 days for illnesses.
• Diminishing deductible: Your annual deductible drops each year you don’t file a claim.
• Flexible plans: Choose your annual limit, deductible, and reimbursement percentage.
• Comprehensive coverage: Includes accidents, illnesses, hereditary conditions, and alternative therapies.

Cons

• No coverage for pre-existing conditions: Like most insurers.
• Premiums may rise: As your pet gets older or vet fees increase in your area.
• Wellness coverage is extra: Routine care is not included in base policies.
• Some exclusions: Behavioral therapies and prescription food may not be covered.

Customer Satisfaction Survey

Embrace earns strong customer satisfaction, with 88% of surveyed users saying they would recommend the company—largely due to quick, fair claim payouts. Many also praised the customer service team for being responsive and knowledgeable.

Over 80% of users found the mobile app easy to use for submitting and tracking claims. Most people found Embrace’s wait times shorter than some competitors, although a few expressed frustration with the waiting periods for illnesses.

Survey data shows minimal confusion about policy terms, suggesting clear documentation. Overall, Embrace users appreciate the reliability and predictability it brings to managing vet expenses.

Plan Details

Embrace offers flexible annual coverage limits ranging from $5,000 to unlimited, with deductibles between $100 and $1,000 to help manage out-of-pocket expenses. Reimbursement options include 70%, 80%, or 90%, and the plan has a 2-day waiting period for accidents and a 14-day wait for illnesses. Coverage for orthopedic conditions in dogs requires a 6-month wait unless a vet exam is submitted.

Available for both dogs and cats starting at 6 weeks old, Embrace has no upper age limit for accident coverage. However, pets must be enrolled by age 14 to receive illness coverage, making early sign-up especially important for comprehensive protection.

Coverage Details

You can improve your plan by adding optional wellness coverage for routine care like microchipping, dental cleanings, vaccines, and spay/neuter services. However, vet exam fee coverage must be added separately. Multi-pet discounts are available, and medically necessary euthanasia and end-of-life care related to a covered accident or illness are included.

Our Expert Take

Spot offers flexible accident and illness plans with adjustable deductibles, reimbursement rates, and annual limits—up to $10,000 or unlimited. This customization allows pet owners to balance monthly costs with desired coverage.

Some plans include benefits like prescription medications and alternative therapies, and no pre-enrollment exam is required, streamlining the sign-up process. Pets can enroll at 8 weeks old, with no age limit, making Spot appealing to senior pet owners.

Standard waiting periods apply: 14 days for both accidents and illnesses. Like most insurers, Spot does not cover pre-existing conditions.

Consumer Sentiment Index

Spot earns high marks for transparency, with customers noting that its policy documents clearly outline what’s covered and what’s not. Many users find the information easy to understand, which builds trust and confidence in their coverage.

According to survey data and consumer feedback, Spot consistently scores between 4.0 and 4.5 out of 5. Customers highlight responsive support and a helpful service team, though some report delays in claims processing when additional paperwork is needed.

Spot’s reputation has improved in 2025, especially among pet owners seeking no-age-limit plans. The mobile app is praised for its user-friendly features that allow easy claim submission, progress tracking, and policy management.

Pros & Cons

Pros

• No upper age limit for new pets
• Highly customizable plans
• Covers some alternative therapies
• Simple online claims process
• 24/7 pet telehealth helpline

Cons

• Waiting periods apply for all coverage
• Premiums can be higher for older pets
• Does not cover pre-existing conditions
• Wellness coverage costs extra
• Some complaints of slow claim processing

Customer Satisfaction Survey

In recent customer satisfaction surveys, Spot is frequently rated as “good” to “very good,” with many pet owners praising the easy enrollment process and friendly, helpful support staff. Users also appreciate quick responses via phone and email, along with timely documentation requests and claim status updates.

Some customers express frustration with the waiting period or delays when documentation is incomplete, though most say well-prepared claims are processed efficiently. Spot’s no-age-limit policy makes it especially appealing for owners of senior pets, a feature that sets it apart from many competitors.

Overall, customers often recommend Spot for its flexible coverage options and positive service experiences. The combination of customizable plans and reliable support makes it a trusted choice for a wide range of pet owners.

Plan Details

Spot offers accident-only and comprehensive accident and illness plans, with optional preventive care coverage for routine visits and some vaccinations for an extra fee. Deductibles start at $100, and annual coverage limits can be set up to unlimited, allowing flexibility based on your needs.

Coverage is available for cats and dogs as young as 8 weeks, with no upper age limit for enrollment. You can also tailor your plan with add-ons and customize reimbursement rates and deductibles to suit your budget. Multi-pet discounts, typically around 10%, may apply for additional pets.

Coverage Details

Spot’s structure allows you flexibility in choosing your coverage details and makes it easier to match protection with your pet’s needs and your budget. Base plans offer essential care like vet exams and microchipping, making Spot a convenient option for pet owners.

Our Expert Take

Lemonade stands out for its tech-driven experience, allowing users to get quotes, file claims, and manage policies within minutes via its app or website. Plans typically cover accidents, illnesses, diagnostic tests, and medications, with optional add-ons for wellness and preventive care.

Reimbursement rates of 70%, 80%, or 90% are available at enrollment, letting pet owners tailor monthly premiums and reimbursement levels to their needs. Premiums are usually lower than those of competitors, especially for young, healthy pets, but coverage varies by age, breed, and location.

Lemonade has a unique Giveback program that donates leftover funds to charities each year, which appeals to socially conscious pet owners.

Consumer Sentiment Index

Lemonade receives strong reviews from pet owners for its value and ease of use, with many appreciating the ability to manage everything digitally via its app. Review scores typically fall between 4 and 4.5 out of 5 stars. Customers commonly praise the fast claims payment—sometimes processed in just minutes—along with straightforward plan options and a responsive support team.

However, some negative feedback centers around claims being denied due to pre-existing conditions or confusion about policy terms. Others note that not all conditions are covered and that annual coverage limits can vary depending on the state.

Overall, Lemonade’s digital-first model appeals to pet owners who prioritize efficiency and convenience in managing their pet insurance.

Pros & Cons

Pros

• Fast online claims process.
• Customizable plans and add-ons.
• Multiple reimbursement rates: 70%, 80%, or 90%.
• Wellness options available.
• Pricing is very transparent.
• Straightforward user experience.

Cons

• No coverage for preexisting conditions.
• Some breeds may face higher premiums.
• Annual limits may be lower than with some rivals.
• Not available in all states.
• Dental coverage is limited.

These points help you see if Lemonade fits your needs and what trade-offs you may have to consider.

Customer Satisfaction Survey

In 2025 surveys, Lemonade earned high marks for its fast claims process, user-friendly app, and simple policy setup, with about 85% of customers rating it “good” or “excellent.” Pet owners—especially younger, tech-savvy users—appreciated the digital tools and self-service features, though some noted slower response times when handling more complex claims.

Plan Details

Lemonade provides accident and illness coverage for cats and dogs, with optional add-ons for wellness exams, preventive care, and physical therapy. Pets are eligible starting at 8 weeks old, though older animals may have coverage restrictions or higher premiums.

Coverage Details

All add-ons and customizations are optional for an extra fee. Make sure to check policy details for exact coverage based on your pet’s age, breed, and location.