1. Healthy Paws Pet Insurance
- Why It’s Trusted: Simple plans with unlimited lifetime benefits.
- Coverage: Accidents, illnesses, genetic conditions.
- Pros: No annual limits, fast claims processing.
- Cons: No wellness plan.
- Best For: Pet owners looking for comprehensive accident and illness coverage.
2. ASPCA Pet Health Insurance
- Why It’s Trusted: Backed by a reputable organization.
- Coverage: Accidents, illnesses, alternative therapies.
- Pros: Multiple plan options, wellness add-ons.
- Cons: Slightly higher premiums for older pets.
3. Embrace Pet Insurance
- Why It’s Trusted: Customizable plans with wellness rewards.
- Coverage: Chronic conditions, exam fees, alternative therapies.
- Pros: Covers behavioral therapy, dental illness.
- Cons: Limited coverage for exotic pets.
4. Figo Pet Insurance
- Why It’s Trusted: Tech-driven platform with cloud-based claims.
- Coverage: Illness, accidents, hereditary conditions.
- Pros: 24/7 virtual vet visits, 100% reimbursement option.
- Cons: No direct vet payment feature.
5. Lemonade Pet Insurance
- Why It’s Trusted: Affordable rates and easy digital experience.
- Coverage: Accidents, illnesses, optional wellness.
- Pros: AI-powered claims, charitable donations.
- Cons: Limited availability in some states.
6. Nationwide Pet Insurance
- Why It’s Trusted: One of the oldest pet insurers in the U.S.
- Coverage: Dogs, cats, birds, and exotic pets.
- Pros: Comprehensive plans, wellness coverage.
- Cons: Premiums can be higher for full coverage.
7. Spot Pet Insurance
- Why It’s Trusted: Flexible coverage options and affordable plans.
- Coverage: Accidents, illnesses, wellness.
- Pros: Covers microchipping, virtual vet visits.
- Cons: Waiting periods for certain conditions.
8. Trupanion
- Why It’s Trusted: Direct payment to vets, saving out-of-pocket costs.
- Coverage: Illnesses, accidents, hereditary conditions.
- Pros: No payout limits, lifetime coverage.
- Cons: Higher monthly premiums.
9. Pumpkin Pet Insurance
- Why It’s Trusted: Great for wellness and preventive care.
- Coverage: Illness, accidents, behavioral issues.
- Pros: Includes preventive care options.
- Cons: Limited plan customization.
10. Fetch by The Dodo
- Why It’s Trusted: Extensive coverage, including holistic care.
- Coverage: Illness, accidents, alternative therapies.
- Pros: Covers dental, alternative treatments.
- Cons: No 24/7 vet support.
11. Prudent Pet Insurance
- Why It’s Trusted: Highly customizable plans with add-ons.
- Coverage: Accidents, illnesses, exam fees.
- Pros: Covers up to 90% of vet bills.
- Cons: Premiums can increase with age.
12. AKC Pet Insurance
- Why It’s Trusted: Ideal for purebred dogs.
- Coverage: Accidents, illnesses, breeding-related issues.
- Pros: Lifetime coverage for hereditary conditions.
- Cons: Limited exotic pet coverage.
13. MetLife Pet Insurance
- Why It’s Trusted: Big name in insurance now offering pet plans.
- Coverage: Accident and illness, preventive care.
- Pros: Multi-pet discounts, wellness add-ons.
- Cons: Limited historical reputation in pet insurance.
14. Hartville Pet Insurance
- Why It’s Trusted: Affordable for budget-conscious owners.
- Coverage: Accidents, illnesses, wellness care.
- Pros: Covers alternative therapies.
- Cons: Annual limits on some plans.
15. Bivvy Pet Insurance
- Why It’s Trusted: Simplest low-cost pet insurance.
- Coverage: Basic accident and illness coverage.
- Pros: Very affordable monthly premium.
- Cons: Limited coverage options.
How to Choose the Right Pet Insurance
- Compare premiums, deductibles, and reimbursement rates.
- Check for breed-specific exclusions.
- Look for wellness add-ons if you need preventive care.
- Read customer reviews and claim process details.
Average Cost of Pet Insurance in the USA (2025)
- Dogs: $30–$70/month
- Cats: $15–$40/month
- Exotic pets: Varies by provider
FAQs
Final Thoughts
Choosing the right pet insurance ensures peace of mind and financial protection. The companies listed above are the most trusted in 2025 for their reliability, claim process, and customer satisfaction. Compare plans, read reviews, and pick one that fits your budget and your pet’s needs.
Q1: Which is the #1 most trusted pet insurance in the USA?
Healthy Paws and Embrace are often ranked the highest due to strong coverage and customer satisfaction.
Q2: Does pet insurance cover pre-existing conditions?
Most plans do not cover pre-existing conditions, so enroll your pet early.
Q3: Is pet insurance worth it for older pets?
Yes, but premiums are higher. Look for plans that cover chronic illnesses.
Q4: Which companies offer coverage for exotic pets?
Nationwide and some specialty insurers provide plans for birds and reptiles.
Q5: Can I customize my pet insurance plan?
Yes, companies like Embrace and Spot allow flexible customization.