10 Best Pet Insurance Companies for 2025

The best pet insurance companies are State Farm, Nationwide, and Progressive, recognized for their outstanding affordability and all-encompassing protection.

These companies provide a wide range of coverage options and flexible plans, distinguishing themselves with their extensive and tailored insurance solutions.

Their offerings are designed to address various needs, from routine care to unexpected emergencies, ensuring that you have the right level of protection for your pet.

Our Top 10 Picks: Best Pet Insurance Companies

Their services are designed to ensure that your pet remains well-protected and receives the care it needs, giving you peace of mind that you’re making a sound investment in your pet’s health and well-being.

Explore our pet insurance guide for additional details and find pet insurance quotes using our free quote comparison tool.

Pet Insurance Costs and Discounts Across Top Providers

When choosing pet insurance, both cost and discounts play crucial roles in finding the right plan for your furry friend. A plan that balances affordability with comprehensive coverage ensures that your pet receives necessary medical care without causing financial strain.

To help you navigate your options, we’ve compiled a detailed overview of monthly rates and available discounts from leading pet insurance providers. Careful consideration of these factors allows you to select a pet insurance plan that fits your budget while offering the best protection for your pet’s health and well-being.

Pet Insurance Monthly Rates by Coverage Level & Provider

Compare monthly rates for pet insurance across various providers. For minimum coverage, rates start at $28 with State Farm and go up to $33 with Allstate and Nationwide. For full coverage, prices range from $55 with State Farm to $64 with Allstate. Enhance your understanding with our review “State Farm vs Farmers, Geico, Progressive, Allstate: The Best?”

Pet Insurance Discounts From the Top Providers

Save on pet insurance with top discounts: AAA has multi-pet and membership savings, Allstate and Progressive offer multi-pet, employee, and bundling deals, and American Family and State Farm provide multi-pet and loyalty discounts.

Farmers and Geico feature multi-pet and bundling options, Nationwide adds employer discounts, The Hartford offers multi-pet and employee savings, and USAA provides military discounts. Explore these for the best savings.

By comparing monthly rates and exploring the various discount opportunities, you can make an informed decision that balances affordability and comprehensive coverage for your pet. Take advantage of these insights to secure the best protection at the most cost-effective price.

Key Considerations for Selecting the Best Pet Insurance Company

Choosing the right pet insurance company is an important decision for pet owners. It provides peace of mind knowing that your furry friend will be protected in case of accidents or illnesses. When considering different pet insurance companies, several key factors should be taken into account.

• Coverage: When choosing pet insurance, review the coverage details to ensure it includes accidents, illnesses, and hereditary conditions. Some policies also cover routine care like vaccinations and check-ups. Be aware of limitations and exclusions, such as breed-specific restrictions or pre-existing conditions, to select a policy that best suits your pet’s needs.
• Cost: When considering pet insurance, compare premiums, deductibles, and out-of-pocket expenses to find a policy that fits your budget. Consider the coverage provided, as a higher premium might offer more comprehensive protection. Evaluate co-pays and any additional costs to determine the policy’s overall affordability.
• Customer Service: Choose a pet insurance company known for reliable and responsive customer service and quick claim processing. Read reviews and testimonials from other pet owners to gauge the company’s service quality. Contact companies directly to ask about their customer support and responsiveness.
• Claim Process: Understand the claim process before choosing pet insurance. Check the requirements for filing, such as necessary veterinary records, and if online submission is available. Consider the average processing time and the company’s reputation for handling claims efficiently and fairly to ensure timely reimbursements.

By considering these factors, you can make an informed decision when choosing a pet insurance company. For additional details, explore our comprehensive resource “8 Questions to Ask When Considering Pet Insurance.”

Remember to thoroughly research each provider, compare their offerings, and assess their customer service and claim processes. Taking the time to find the right pet insurance company will provide you with the necessary coverage and support for your beloved pet.

Tips for Selecting the Ideal Pet Insurance Plan

Choosing the right pet insurance plan is crucial for ensuring that your furry friend receives the best possible care without causing financial strain. With numerous options available, it’s important to carefully evaluate various factors to find a policy that suits your pet’s unique needs and your budget.

• Assess Your Pet’s Needs: Consider your pet’s age and breed-specific health risks, as well as whether the plan covers any pre-existing conditions, to ensure it provides comprehensive coverage tailored to your pet’s needs. Read our “One Quote That Convinced Me to Get Life Insurance” to learn about additional benefits.
• Compare Coverage Options: Examine each policy’s coverage for accidents, illnesses, hereditary conditions, and routine care, while also checking for exclusions or limitations like breed-specific conditions or age-related restrictions to ensure it meets your pet’s specific health needs.
• Evaluate Costs: Compare monthly or annual premiums, assess annual and per-incident deductibles, and evaluate co-pays and reimbursement levels to find a plan that fits your budget and financial needs.
• Check Claim Processing: Understand the claim submission process, including available methods (online, mail, or app), required documentation (vet records and invoices), and average processing times to ensure a user-friendly and efficient experience.
• Research Customer Reviews: Assess customer service by reading reviews for feedback on responsiveness and support during the claims process. Choose a provider with a strong reputation for efficient and fair claim handling, based on positive experiences from other pet owners.

By carefully considering these factors, you can select a pet insurance plan that provides the necessary coverage and support for your pet while fitting your financial situation.

Taking the time to research and compare options will help you make an informed decision, ensuring peace of mind for both you and your beloved pet’s health.

Top 10 Pet Insurance Companies in the U.S.

State Farm, Nationwide, and Progressive are the best pet insurance companies, offering peace of mind and financial protection for pet owners.

By understanding the factors to consider, reviewing top pet insurance companies, and comparing their pros and cons, you can make an informed decision that suits both your pet’s healthcare needs and your budget.

#1 – State Farm: Top Overall Pick

Pros

• All-Inclusive Pet Insurance Plans: Offers comprehensive coverage that includes accidents, illnesses, and, in some cases, routine care through pet insurance.
• Reliable Claims Process: State Farm’s extensive experience ensures efficient handling of claims for pet insurance. Find out more in our State Farm review.
• Well-Established Insurance Brand: Known for its longstanding reputation in the insurance industry, which extends to its pet insurance offerings.

Cons

• Potentially Higher Cost: The broad range of coverage options may lead to higher premium rates, especially when it comes to pet insurance.
• Limited Customization Options: The standard pet insurance plans might not offer much flexibility, which can make it difficult to customize coverage to meet your pet’s specific needs.

#2 – Nationwide: Best for Extensive Options

Pros

• Diverse Plan Choices: Offers a broad spectrum of pet insurance plans, allowing you to select the one that best fits your pet’s needs. Learn more in our Nationwide review.
• Inclusive Coverage: Plans frequently offer distinctive features such as wellness coverage, which might not be provided by other pet insurance companies.
• Strong Nationwide Presence: Well-regarded for providing reliable pet insurance across various regions.

Cons

• Complex Plan Selection: The numerous choices can be daunting, making it challenging to navigate and choose the most suitable pet insurance plan.
• Higher Premiums for Comprehensive Plans: The broad range of coverage options could result in higher monthly premiums for pet insurance.

#3 – Progressive: Best for Flexible Plans

Pros

• Adjustable Coverage Levels: Offers considerable flexibility in selecting coverage limits and add-ons, tailored to individual needs, including options for pet insurance.
• Cost-Effective Options: Frequently offers competitive rates and the flexibility to adjust your pet insurance plan as required.
• Variety in Add-Ons: Offers a range of optional extras, enabling you to enhance your pet insurance as required. Read our State Farm vs. Progressive review to learn more.

Cons

• Possible Coverage Gaps: The flexibility could lead to overlooking essential coverage if the pet insurance plan isn’t chosen with care.
• Complex Policy Details: The customizable nature of the pet insurance plans can make it more challenging to understand the policy details.

#4 – USAA: Best for Member Benefits

Pros

• Exclusive Member-Only Perks: Special benefits and discounts on pet insurance are available exclusively for military families and their dependents.
• Comprehensive Pet Coverage: Offers a wide range of coverage options tailored to meet the varied needs of pets, including pet insurance, which is discussed in our USAA review.
• Support Tailored to Military Families: Offers outstanding service and advantages specifically designed to meet the unique needs of military personnel, including pet insurance.

Cons

• Eligibility Restrictions: Pet insurance plans are only available to current and former military personnel, as well as their families.
• Potential Premium Increases: Member-specific benefits could result in higher pet insurance costs compared to standard plans.

#5 – Farmers: Best for Reliable Service

Pros

• Consistent Service Quality: Known for dependable customer service and a trustworthy claims process for pet insurance.
• Broad Coverage Options: Offers extensive coverage to address a wide variety of pet health needs, including pet insurance.
• Proven Track Record: Farmers has a reputation for stability and reliability in the pet insurance sector. For a complete list, read our Farmers review.

Cons

• Potentially Higher Premiums: Dependable service might involve additional expenses, possibly leading to increased monthly premiums, including for pet insurance.
• Less Plan Flexibility: Limited options for customizing pet insurance plans compared to more flexible providers.

#6 – Geico: Best for Extensive Network

Pros

• Wide Network of Providers: Offers access to an extensive network of veterinarians, providing greater flexibility in selecting your pet’s care provider.
• Affordable Insurance Plans: Known for providing competitively priced pet insurance options, which you can learn about in our Geico review.
• Comprehensive Care Coverage: Offers comprehensive pet insurance coverage for a wide range of veterinary services and treatments.

Cons

• Possible Network Limitations: Even with an extensive network, some specialized care may not be included in the coverage of pet insurance.
• Inconsistent Customer Experience: Service quality can vary, affecting overall satisfaction with the pet insurance policy.

#7 – AAA: Best for Membership Perks

Pros

• Exclusive Discounts for Members: Offers unique discounts and benefits for AAA members, adding extra value to pet insurance, which is detailed in our AAA review.
• Broad Coverage: Offers extensive coverage options, making it suitable for a variety of pet health situations with pet insurance.
• Additional Membership Benefits: Includes other AAA perks that complement pet insurance, like roadside assistance.

Cons

• Membership Requirement: Benefits and discounts, including pet insurance, are available exclusively to AAA members, restricting access for those who are not part of the organization.
• Higher Premiums for Member Benefits: The additional benefits and discounts could lead to higher overall premiums compared to standard plans, including those for pet insurance.

#8 – Allstate: Best for Competitive Rates

Pros

• Budget-Friendly Premiums: Offers attractive rates for pet insurance, making it a cost-effective choice. Read our Allstate review to learn what else is offered.
• Wide Coverage Options: Offers extensive coverage that caters to a range of pet health requirements through pet insurance.
• Responsive Customer Service: Renowned for its effective and supportive customer service, improving the experience of pet insurance.

Cons

• Limited Customization: Coverage options might be less flexible compared to those offered by more adaptable pet insurance providers.
• Potential for Higher Costs with Extensive Coverage: Although the rates for pet insurance are competitive, more extensive plans could still be quite costly.

#9 – American Family: Best for Customer Service

Pros

• Exceptional Customer Support: Renowned for offering top-notch service and support for pet insurance policyholders. Find out more in our American Family vs. Travelers review.
• Extensive Coverage Choices: Offers a wide variety of choices to guarantee thorough coverage for pets, including pet insurance.
• Discounts for Multiple Pets: Offers financial advantages for those who insure multiple pets, helping to lower the total expenses through pet insurance.

Cons

• Potentially Higher Premiums: Top-notch support might involve higher premiums than those offered by some other providers, especially when it comes to pet insurance.
• Limited Coverage for Specialized Treatments: Some specialized or alternative treatments might not be included in their standard pet insurance plans.

#10 – The Hartford: Best for Trusted Reputation

Pros

• Well-Established Trust: Known for a solid reputation and reliability in the insurance industry, including pet insurance.
• Broad Coverage: Offers extensive pet insurance that covers a wide array of health issues and treatments. Compare The Hartford vs. Auto Club Enterprises review for a full comparison.
• Reliable Claims Handling: Highly regarded for its effective and reliable management of pet insurance claims.

Cons

• Potentially Higher Insurance Costs: The excellent reputation and extensive coverage may result in higher premium costs for pet insurance.
• Less Flexible Coverage Options: Limited customization compared to more flexible pet insurance plans.

Finding Affordable Coverage for Your Furry Friend

With a range of discounts and extensive coverage options, you can ensure your pet receives the best care without breaking the bank. Compare quotes and explore various plans to find the perfect fit for your pet’s needs and your budget. For more insights, see our guide “Comparing Plans and Getting an Insurance Plan that Works for You.”

See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool below.