The best pet insurance companies of November 2025

The best pet insurance companies of November 2025

A pet can add tremendous happiness to your life, but caring for one can also be costly. Pet insurance helps cover veterinary expenses—whether they stem from illness, injury, or routine services like vaccinations and dental exams.

What pet insurance covers
Coverage varies by policy and provider, but most plans fall into three main categories:

• Accident-only: Covers emergencies such as broken bones, ingestion of foreign objects, and traumatic dental injuries.

• Accident and illness: Includes everything in accident-only plans, plus coverage for illnesses, hereditary conditions, and prescription medications.

• Wellness plans: Pays for routine care like checkups, vaccinations, microchipping, dental cleanings, and spay/neuter procedures.

Most pet insurance providers do not cover pre-existing conditions your pet had before enrollment. However, some may cover conditions that have been fully resolved for a set period, such as healed fractures or past respiratory infections. Elective procedures, grooming, and expenses related to breeding, pregnancy, or birth are typically excluded as well.

Best pet insurance

• Best for cats: Pets Best
• Best for dogs: Lemonade
• Best for alternative therapies: ASPCA Pet Health
• Best for multiple pets: Pumpkin
• Best for senior pets: Figo
• Best for low deductibles: Embrace
• Best for pre-existing conditions: AKC Pet Insurance
• Best for preventative care: Spot
• Best for accident and illness coverage: Healthy Paws 
• Best for exotic pets: Nationwide