Compare Best Pet
Insurance
Companies 2025
Quickly Compare Top Providers in the Pet Insurance Industry
4.7
104,079 Reviews
- Up to 10% Discount When You Bundle With Renters, Home, or Car
- Best-In-Class Digital Claims Experience
- 5% Multi-Pet Discount
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Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage Add-On
Use any licensed vet in the U.S.
- Waiting Periods
- Accidents: None
- Illnesses: 14 days
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Policy Options
- $5,000 to $100,000 Annual Limit
- 70%, 80%, or 90% Reimbursement Rate
- $100, $250, $500, or $750 Deductible
4.6
27,254 Reviews
- Get Paid Back Fast with the Fetch Pet Insurance App
- Customize Your Price to Fit Your Budget
- All Vets Are in Network-Use Any Vet in US or Canada
-
Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage Add-On
Approved claims paid back in as little as two days via direct deposit
All vets are in network, including emergency vets & specialists
- Waiting Periods
- Accidents: 0 days
- Illnesses: Up to 15 days
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Policy Options
- $5,000 to Unlimited Annual Limit
- 70%, 80%, or 90% Reimbursement Rate
- $300, $500, $700 Deductible
*The orthopedic waiting period can be waived with a hip and knee exam showing your pet is in good health within the first 30 days of enrolling.
4.6
56,063 Reviews
- 10% Multi-Pet Discount
- Enroll Your Pet as Early as 6 Weeks Old
- 24/7 Pet Telehealth
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Coverage Overview
Accident and Illness Coverage
Optional Wellness Rewards Add-On
Use any licensed vet in the U.S.
- Waiting Periods
- Accidents: 0 days
- Illnesses: 14 days
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Policy Options
- $2,000 to Unlimited Annual Limit
- 70%, 80%, or 90% Reimbursement Rate
- $100 to $1,000 Deductible
4.6
8,516 Reviews
- Multi-Pet Discounts
- Microchipping Coverage Provided
- 30-Day Money-Back Guarantee
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Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage
Use any licensed vet in the U.S.
- Waiting Periods
- Accidents: 14 days*
- Illnesses: 14 days*
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Policy Options
- $2,500 to Unlimited Annual Limit
- 70%, 80%, or 90% Reimbursement Rate
- $100, $250, $500, $750 or $1,000 Deductible
* For most states. In some states, Spot plans have a next-day waiting period for accidents in CA, DE, LA, ME, MS, MT, NE, NH, OH, PA, and WA.
4.5
20,098 Reviews
- 24/7 Pet Helpline
- No Upper Age Limits on Accidents & Illness Plans
- Vet Direct Pay
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Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage Add-On
Use any licensed vet in the U.S. and Canada
- Waiting Periods
- Accidents: 3 days*
- Illnesses: 14 days
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Policy Options
- $5,000, $10,000, or Unlimited Annual Limit
- 70%, 80%, or 90% Reimbursement Rate
- $50, $100, $200, $250, $500, or $1,000 Deductible
*For most states. The waiting period for accidents is 0 days in DE, LA, ME, MS, NE, NH, and WA.
4.8
2,697 Reviews
- Unlimited 24/7 Live Vet Chat
- 75% of Claims Are Processed in 24 Hours
- #1 Rated on Trustpilot
-
Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage Add-On
Use any licensed vet in the U.S. and Canada
- Waiting Periods
- Accidents: 5 days
- Illnesses: 14 days
-
Policy Options
- $2,500, $5,000, $10,000, or Unlimited Annual Limit
- 70%, 80%, or 90% Reimbursement Rate
- $100, $250, $500, or $1,000 Deductible
4.5
11,135 Reviews
- No Upper Age Limits
- 24/7 Live Vet Chat Included for Customers
- 5% Multi-Pet Discount
-
Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage
Use any licensed vet in the U.S.
- Waiting Periods
- Accidents: 1 day*
- Illnesses: 14 days
-
Policy Options
- $5,000, $10,000, or Unlimited Annual Limit
- 70%, 80%, 90%, or 100%** Reimbursement Rate
- $100, $250, $500, or $750 Deductible
* Waiting period waived for NE, WA, MS, LA, NH, DE, and ME residents ** 100% reimbursement is available with deductibles of $500 and $750 but is not available with the unlimited annual limit selection
4.7
1,649 Reviews
- Wellness Options Available
- 10% Multi-Pet Discount
- No Upper Age Limits
-
Coverage Overview
Accident and Illness Coverage
Optional Wellness Coverage Add-On
Use any licensed vet in the U.S.
- Waiting Periods
- Accidents: 14 days
- Illnesses: 14 days
-
Policy Options
- $5,000 to Unlimited Annual Limit
- 80% or 90% Reimbursement Rate
- $100, $250, $500, and $1,000 Deductible
4.5
4,746 Reviews
- No Maximum Annual or Lifetime Payout
- Most Claims Are Processed Within 2 Days
- No Enrollment or Administrative Fees
-
Coverage Overview
Accident and Illness Coverage
No Optional Wellness Coverage Add-On
Most claims are processed within 2 days
Use any licensed vet in the U.S. or Canada
- Waiting Periods
- Accidents: Varies by state (0 days or 15 days)**
- Illnesses: 15 days**
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Policy Options
- Unlimited Annual Limit
- 50%, 60%, 70% or 80%* Reimbursement Rate
- $250, $500, $750, or $1,000* Deductible
*Reimbursement and annual deductible options will vary depending on your pet's age and breed. **Check your policy for details
How Our Review Process Works
We aggregate review data from platforms like Trustpilot, Consumer Affairs, Apple App Store, and Google Play Store. Each pet insurance company is scored based on a 1 to 5-star rating and the number of reviews received. We update these reviews regularly to give Pet Insurance Quotes users the most accurate and up-to-date information so they can make the best decision for their furry friends and their lifestyles.
What Is Pet Insurance?
Pet insurance is health insurance for your dog and cat. If your pet needs emergency care from an unexpected accident or illness, it can help cover the expensive vet bill. Some pet insurance providers offer additional coverage for routine and preventative care to keep your pet healthy between vet trips.
Know Before You Enroll: Waiting Periods
Pet insurance typically has a waiting period before coverage for accidents and illnesses begins. This period varies across providers and coverage types. For instance, if a plan has a 14-day waiting period, a pet's vet visit within 3 days of signing up will not be covered. Additionally, if a pet shows signs of illness during the waiting period, even if the plan is already in place, the illness will not be covered.
Why Pet Insurance Quotes?
Rising vet costs can make it hard for pet parents to afford care for their pets, especially when they need it most. You shouldn't have to choose between your pet's health or wallet. At Pet Insurance Quotes, our mission is to empower you to make confident decisions about your pet’s care—without the worry of financial stress. Since 2011, we’ve been helping pet owners nationwide find the right pet insurance for their needs. Our free platform makes it easy to understand how pet insurance works and decide when it’s the right investment for you.
How Much Is Pet Insurance?
Pet insurance rates are overseen and approved by your state’s Department of Insurance, where insurers file their pricing. This ensures that for a particular policy configuration, the quoted rate for your pet will remain consistent, no matter where you decide to buy the policy. However, rates can differ between insurance providers and are influenced by the following key factors:
Location
The cost of veterinary care in your area may be more or less expensive than in another area.
Type of pet
In most cases, dogs are more expensive than cats.
Breed
The breed of your pet can affect pricing, especially if they’re prone to developing any breed-specific conditions that will need veterinary care down the line.
Age
Older pets cost more to insure than younger pets since they’re more prone to accidents and illnesses. That’s why we recommend insuring your pet as soon as you can.
Deductible
How much of a yearly deductible you’re willing to pay will affect pricing. A higher deductible will lower your overall price, but you’ll have to pay more out of pocket before your insurance reimburses you.
Reimbursement
How much you’d like to be paid back will affect pricing. A lower reimbursement rate will bring down your overall price, but you might have to take more financial responsibility for your pet’s care.
Coverage add-ons
Any add-ons you choose to boost your base plan will raise your overall cost.
For a better idea of how much enrolling in pet insurance would
cost you, get a free quote from multiple providers.
What Is The Best Pet Insurance Plan?
Whether you’re bringing home an 8-week-old puppy or caring for a 3-year-old cat, there are plenty of pet health insurance options to consider. We suggest choosing a plan that includes coverage for accidents and illnesses as part of its standard offering, with the flexibility to add wellness coverage if desired. Most providers let you customize their plans to some degree. Below is our recommended setup for a plan that combines accident and illness coverage with optional wellness add-ons.
Annual Limit
$10,000+
This limit provides substantial coverage for accidents and illnesses without being overly costly for you or the provider.
Deductible
$300 - $500
This deductible is balanced and encourages some cost-sharing while still ensuring accessibility to care for most pet parents.
Reimbursement Rate
80%
This rate is balanced and covers most of the costs by the provider while fostering financial responsibility on your end.
Ready to start?
Your pet deserves quality care at every stage of life, and you deserve the confidence and peace of mind that comes with knowing you can afford any treatment they need. Get a quote today to find the best pet insurance plan for your best friend.
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