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Best Pet Insurance 2025

Cover anything from unexpected emergencies to routine check ups with the best pet insurance for dogs and cats. Get a personalized pet insurance Florida quote today and save thousands on costly vet bills.

Last Updated: August 07, 2025
Caleb's Pick
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🔥 Get up to 90% Cash Back on Vet Bills

  • Covers Accidents, Illness & Preventive Care
  • Prescriptions, Specialists, Dental and more
  • Visit Any Vet in the US, 24/7 Vet Helpline
  • 10% Multi Pet Discount, One Annual Deductible
#2
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🏅"Best Annual Unlimited Coverage" by Forbes

  • Reimburses Up to 90%, No Max Annual or Lifetime Payouts
  • Backed by Chubb - a Trusted Name in Insurance
  • Covers Accidents, Illness, Hereditary Conditions & More
  • Most Claims are Processed in 2 Days
#3
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🐕‍🦺 Exam Fees Covered + 10% Multi-Pet Discount

  • Up to 90% Cash Back at Any US Vet
  • Complete Coverage, Accident-Only & Preventive Care
  • Behavioral Issues, Dental & Hereditary Conditions
  • Customizeable Plans to Fit Your Budget
#4
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Progressive Pet Insurance by Pets Best

  • Protect Your Pet & Wallet from Unexpected Vet Bills
  • Coverage for Accidents, Illnesses, Hospitalization, Surgeries & more
  • Plans are Flexible & can Cover up to 90% of Your Vet Bills
#5
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🐕‍ Pet Insurance Starting as low as $10 per Month

  • Save Big on Tests, Vaccines & Essential Care

  • Coverage for Spaying, Neutering & Microchipping Available
  • Up to 10% Off with Bundle or Multi-Pet Discount
  • Unclaimed Premiums are Donated to Charities of Your Choice

*Not available in all states. 

Caleb's Pick
Our Partner
VIEW RATES

🔥 Get up to 90% Cash Back on Vet Bills

  • Covers Accidents, Illness & Preventive Care
  • Prescriptions, Specialists, Dental and more
  • Visit Any Vet in the US, 24/7 Vet Helpline
  • 10% Multi Pet Discount, One Annual Deductible

What is the best pet insurance for dogs and cats?

The best pet insurance offers comprehensive coverage for accidents, illnesses, and routine care, with flexible plans to fit any budget. Look for a top rated pet insurance provider with a high reimbursement rate, low deductibles, and no caps on payouts. Quick claim processing and excellent customer service are also key factors. Ensure the policy covers breed-specific conditions and provides options for wellness coverage to keep your pet healthy. Compare pet health insurance plans and choose the best dog insurance or cat insurance from the trusted providers above.

 

How does pet insurance work?

Medical insurance for dogs and cats helps cover your furry friend's medical expenses. You pay a monthly premium, and when your pet needs care, you can visit any licensed vet and pay the bill. Then, you submit a claim to your insurance provider who reimburses you for a portion of the costs based on your policy's coverage and deductible.

Is pet insurance worth it?

Pet health insurance can be worth it for many pet owners, as it helps cover unexpected veterinary costs. By paying a monthly premium, you can save significantly on expensive treatments. For instance, pet surgeries can cost over $5,000, while cancer treatments can exceed $10,000. With medical insurance for pets, you could be reimbursed for up to 90% of these costs. Pet insurance ensures your pet gets the necessary treatments and the best possible care, without having to make tough decisions based on cost.

Advertiser Disclaimers & Disclosures:

Spot Pet Insurance:

Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms visit spotpet.com/sample-policy. Products, schedules, discounts, and rates may vary and are subject to change. 10% multi-pet discount is available on all pets after the first. More information available at checkout.

Embrace Pet Insurance:

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC(Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. For full terms and conditions, visit www.embracepetinsurance.com

MetLife Pet Insurance:

1 “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards.

*Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2024 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

Fetch Pet Insurance:

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.