Pet ownership in the United States comes with love, companionship, and significant veterinary costs. That’s where pet insurance becomes a smart investment. Whether it's for emergencies, chronic illnesses, or routine care, pet insurance can save you thousands in veterinary bills.
In this article, we’ll cover the top pet insurance companies in the USA, along with sample quotes, coverage features, pros and cons, and what makes each provider stand out in 2025.
1. Healthy Paws Pet Insurance
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Founded: 2009
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Coverage Type: Accidents & illnesses (no routine care)
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Sample Quote:
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Dog (2-year-old Golden Retriever): ~$42/month
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Cat (2-year-old Domestic Shorthair): ~$20/month
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Reimbursement Options: 70%, 80%, 90%
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Annual Deductible: $100–$500
Pros:
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Unlimited lifetime benefits
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Fast claims processing via mobile app
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Highly rated customer service
Cons:
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No wellness coverage
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No coverage for older pets (14+ years)
✅ Best for comprehensive accident & illness coverage without caps
2. Embrace Pet Insurance
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Founded: 2003
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Coverage Type: Accident, illness & optional wellness
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Sample Quote:
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Dog: ~$35/month
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Cat: ~$18/month
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Reimbursement Options: 70%, 80%, 90%
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Annual Deductible: $200–$1,000
Pros:
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Covers exam fees and alternative treatments
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Offers wellness rewards program
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Diminishing deductible feature
Cons:
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Some limits on annual reimbursement
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Slightly higher prices for older pets
✅ Best for flexible and wellness-inclusive plans
3. Spot Pet Insurance
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Founded: 2019 (underwritten by United States Fire Insurance Company)
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Coverage Type: Accident, illness, and wellness add-on
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Sample Quote:
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Dog: ~$35/month
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Cat: ~$18/month
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Reimbursement Options: 70%, 80%, 90%
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Annual Deductible: $100–$1,000
Pros:
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Covers behavioral issues
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Customizable policies
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Offers 30-day money-back guarantee
Cons:
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Claims may take longer to process
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Limited vet direct pay options
✅ Best for young pet owners seeking customizable options
4. Fetch by The Dodo (formerly Petplan)
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Founded: 2003
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Coverage Type: Accidents & illnesses
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Sample Quote:
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Dog: ~$45/month
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Cat: ~$22/month
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Reimbursement Options: 70%, 80%, 90%
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Annual Deductible: $250–$500
Pros:
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Includes holistic therapies and dental care
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Covers vet exam fees
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Extensive coverage including virtual vet visits
Cons:
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No wellness plan
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Premiums may be high for older pets
✅ Best for comprehensive illness protection
5. ASPCA Pet Health Insurance
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Founded: 1997
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Coverage Type: Accident, illness & wellness
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Sample Quote:
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Dog: ~$35/month
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Cat: ~$17/month
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Reimbursement Options: 70%, 80%, 90%
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Annual Deductible: $100–$500
Pros:
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Offers multi-pet discount (10%)
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Covers hereditary and chronic conditions
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Trusted ASPCA branding
Cons:
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Basic plans may not cover dental
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Waiting periods on some conditions
✅ Best for multi-pet households
6. Figo Pet Insurance
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Founded: 2013
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Coverage Type: Accidents & illnesses
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Sample Quote:
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Dog: ~$39/month
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Cat: ~$18/month
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Reimbursement Options: 70%, 80%, 90%, 100%
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Annual Deductible: $100–$750
Pros:
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24/7 virtual vet access
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Cloud-based pet health management
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Optional wellness plans
Cons:
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Doesn’t cover routine care unless added
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Limited coverage for older pets
✅ Best for tech-savvy pet parents
7. Trupanion
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Founded: 2000
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Coverage Type: Accidents & illnesses (no wellness)
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Sample Quote:
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Dog: ~$60/month
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Cat: ~$30/month
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Reimbursement Options: 90% only
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Deductible: Per-condition lifetime deductible
Pros:
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Direct payment to vet at checkout
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Unlimited coverage for life
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Consistent reimbursement model
Cons:
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Higher upfront cost
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Less customizable than competitors
✅ Best for vet direct pay and unlimited lifetime benefits
Summary Comparison Table
| Insurance Company | Avg. Dog Quote | Avg. Cat Quote | Reimbursement Options | Wellness Add-on | Best For |
|---|---|---|---|---|---|
| Healthy Paws | $42/mo | $20/mo | 70–90% | ❌ | Unlimited coverage |
| Embrace | $35/mo | $18/mo | 70–90% | ✅ | Customization & wellness |
| Spot | $35/mo | $18/mo | 70–90% | ✅ | Flexible plans |
| Fetch | $45/mo | $22/mo | 70–90% | ❌ | Comprehensive illness |
| ASPCA | $35/mo | $17/mo | 70–90% | ✅ | Multi-pet families |
| Figo | $39/mo | $18/mo | 70–100% | ✅ | Digital tools |
| Trupanion | $60/mo | $30/mo | 90% only | ❌ | Direct vet pay |
Read Also: Top 10 Most Reliable Life Insurance Companies in the US (Life Insurance)
FAQs
Is pet insurance worth it in the USA?
Yes — with rising veterinary costs, pet insurance helps cover accidents, illnesses, and sometimes even routine care, saving you money in the long run.
What’s the most affordable pet insurance for dogs?
ASPCA and Spot offer competitive prices for dogs starting at around $30–$35/month with broad coverage.
Can I use any vet with pet insurance?
Most pet insurers allow you to visit any licensed veterinarian in the USA. Some like Trupanion even offer direct payments to vets.
What does pet insurance not cover?
Most policies do not cover:
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Pre-existing conditions
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Cosmetic procedures
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Breeding-related expenses
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Experimental treatments
Can I get pet insurance for older pets?
Yes, but options may be limited. Providers like Embrace and ASPCA have broader eligibility for older pets, though premiums may be higher.
Conclusion
Pet insurance is a powerful financial tool for ensuring your furry family members get the care they need, without burdening your wallet. Each of these top pet insurance companies in the USA offers unique benefits, so be sure to compare quotes, coverage, and exclusions before enrolling