Best Pet Insurance: What To Know, What To Ask & Who To Trust in 2025

If you're on the hunt for the best pet insurance, you've landed in the right spot. With so many options available, figuring out who to trust can become tricky quickly. But we're here to help. No matter if your furry friend is busy chasing squirrels or simply loves curling up for naps, the right pet insurance policy steps in when accidents and illnesses catch you off guard.

In 2025, savvy pet owners want policies with solid coverage, wellness perks, and wallet-friendly premiums. This guide details what to ask and how to spot the best one for your four-legged family member. Let's start with a brief overview of the top offers, and then get into more details.

Top 11 Pet Insurance Companies in 2025

1. Healthy Paws

2. Embrace Pet Insurance

3. Spot Pet Insurance

4. Figo Pet Insurance

5. Trupanion

6. ASPCA Pet Health Insurance

7. Pumpkin Pet Insurance

8. Lemonade Pet Insurance

9. Nationwide Pet Insurance

10. Pets Best

11. AKC Pet Insurance

What Is Pet Insurance and How Does It Work?

 

Pet insurance acts like a safety net for unexpected vet bills. You pay a monthly fee, called a premium, and in return, your furry friend's accidents and illnesses get covered based on the plan you choose. Whenever your pet needs medical care, you pay the vet first and then file a claim to get reimbursed.

Most pet insurance providers offer different policy types to fit various needs. Some plans cover accidents only, while others add illness and wellness coverage. This way, pet owners can pick a plan that suits their budget, making vet visits less of a financial headache.

Basic Definition & Policy Types

Pet insurance covers your four-legged friend's unexpected medical expenses. It's a contract between you and a pet insurance company, where you pay premiums, and they help cover certain costs when your pet gets sick or hurt.

There are a few common policy types. Accident-only plans focus solely on injuries. Accident and illness plans add coverage for sickness. And wellness plans cover routine care like vaccinations and checkups. Picking the right one depends on your pet's needs and your budget.

How Reimbursements, Premiums & Deductibles Work

When your pet gets vet treatment, you usually pay the bill upfront. Then, you submit a pet insurance claim to your provider for reimbursement of the covered expenses. The reimbursement amount depends on your policy's percentage. It's often between 70% and 90% of the costs.

Premiums are the monthly fees you pay to keep your pet's coverage active. Deductibles are the amounts you pay out of pocket before insurance kicks in. Choosing the right balance between premiums and deductibles can help you manage vet costs without surprises.

Do You Really Need Pet Insurance?

Vet visits can get expensive. Pet insurance offers a way to handle those costs without emptying your wallet. It's not just about emergencies, too. Some plans include wellness coverage for routine checkups, keeping your furry companion healthy long-term.

Having pet insurance means fewer worries about surprise medical bills. While some owners prefer to save money and take risks, many find peace of mind knowing their pets get the care they need without breaking the bank.

Rising Vet Costs & Emergency Expenses

From unexpected injuries to sudden illnesses, vet costs add up quickly. Without pet insurance, you might face out-of-pocket expenses that make it tough to give your furry buddy the care they deserve. Accident and illness plans help cover these surprise costs. They can reduce the financial stress when your pet needs urgent care or ongoing treatment.

Peace of Mind vs Out-of-Pocket Risk

Choosing pet insurance means swapping the risk of huge medical bills for manageable monthly premiums. Instead of worrying about how you'll cover an unexpected surgery or illness, you get peace of mind knowing a safety net is in place. Skipping insurance might save money upfront, but doing so leaves you vulnerable to expensive surprises. For many pet parents, the relief of having coverage outweighs the occasional premium cost.

What Makes a Pet Insurance Plan "The Best"?

Finding the best pet insurance plan means looking beyond the price tag. The right plan covers what matters most to you and your pet, with options that fit your budget and lifestyle. To make the choice easier, keep these key points in mind:

• Coverage Scope: Accidents, Illness, Wellness
• Reimbursement Rates & Deductible Options
• Customization & Add-Ons
• Ease of Claims & Customer Service Reputation

Coverage Scope: Accidents, Illness, Wellness

The best pet insurance plans cover a mix of accidents, illnesses, and wellness care. Having all three means your pet's health gets the full attention it deserves.

Accident coverage handles injuries from unexpected mishaps like broken bones or bites. Illness coverage steps in when your pet gets sick with anything from infections to chronic conditions.

Wellness coverage is the cherry on top. It helps pay for routine vet visits, vaccinations, and dental cleanings. Some wellness plans even cover prescription food.

Reimbursement Rates & Deductible Options

Reimbursement rates tell you how much the pet insurer will pay back after you submit a claim. Most companies offer rates between 70% and 90%. Higher rates mean more money returned, but this usually comes with higher premiums.

Deductible options affect how much you pay before coverage kicks in. You can choose annual deductibles, which apply once per year, or per-incident deductibles, which reset with each claim. Picking the right combination helps balance monthly costs and out-of-pocket expenses.

Customization & Add-Ons

Top pet insurance agencies offer customization, so you can tailor your plan to fit your furry friend's needs. You might add extra coverage for dental care, physical therapy, or prescription food. Some wellness plans include routine exam fees and vaccinations.

These add-ons help pet parents build a plan that suits their pet's lifestyle and health concerns. Customizing coverage means you're not paying for extras you don't need. Instead, you get support where it counts most.

Ease of Claims & Customer Service Reputation

A smooth claims process makes all the difference when you're dealing with huge vet expenses. The best pet insurance companies offer quick, hassle-free claims that get you reimbursed fast. They often have mobile apps or online portals to help ease the process.

Great customer service means pet parents get clear answers and support when questions pop up. Checking reviews and ratings helps you find pet insurers known for reliability and friendly service.

Key Factors To Consider Before Choosing a Pet Insurance Company

 

Picking the right pet insurance company involves more than just scanning prices. Keep these important factors in mind before making a decision:

• Monthly Premiums vs Coverage Offered
• Exclusions for Pre-Existing Conditions
• Annual vs Per-Incident Limits
• Breed-Specific Conditions & Age Restrictions
• Turnaround Time for Claims

Monthly Premiums vs Coverage Offered

Monthly premiums are what you pay to keep your pet's insurance active. Cheaper premiums might sound good, but they often come with higher deductibles or lower coverage limits. On the flip side, higher premiums usually mean better coverage and fewer out-of-pocket costs.

Finding the right balance depends on your budget and how much risk you're willing to take. The goal is to pick a pet insurance plan that offers solid protection without making your wallet wince every month.

Exclusions for Pre-Existing Conditions

Most pet insurance companies won't cover pre-existing conditions. This means illnesses or injuries that showed up before signing up usually don't qualify for coverage. However, some insurers differentiate between curable and chronic pre-existing conditions. Understanding these exclusions helps you choose a plan that covers your buddy's current and future health needs as much as possible.

Annual vs Per-Incident Limits

Pet insurance plans often set limits on how much they'll pay. These can come in two types: annual limits or per-incident limits. Annual limits cap the total payout for the whole year, while per-incident limits set a maximum for each separate illness or accident.

Annual limits can leave you exposed if your furry companion faces multiple health issues in a year. Per-incident limits might offer more flexibility but could mean smaller payouts for expensive treatments. Choosing the right type helps you get the best value.

Breed-Specific Conditions & Age Restrictions

Some pet insurance providers consider your pet's breed when setting coverage options. Certain canines are prone to specific health issues, which can affect premiums or coverage. Knowing your pet's breed risks helps you pick a plan that covers likely conditions without surprises.

Age restrictions also play a role. Many pet insurers have upper age limits or charge higher premiums for senior pets. Finding a company that welcomes older dogs and cats helps your furry friend stay protected at every life stage.

Turnaround Time for Claims

How quickly your pet insurance company processes claims can save you stress when vet costs pile up. Some insurers offer fast turnaround times, issuing reimbursements in just a few days. Others might take weeks, leaving you waiting longer to recover your money.

Choosing a provider with a reputation for speedy, hassle-free claims helps you avoid cash flow issues. You can then keep your focus where it belongs: on your pet's care. Always check reviews and ask about claim processing times before signing up.

What To Ask Pet Insurance Companies Before You Sign Up

Before signing on the dotted line, it pays to ask pet insurance companies the right questions. These queries set the stage for deeper conversations about wellness coverage, claim speed, waiting periods, vet networks, and what happens if you move or switch vets. Getting clear answers helps you find the best fit for your pet and budget.

Are Wellness Visits or Dental Cleanings Included?

If you want coverage beyond accidents and illnesses, ask your insurer if preventive services are available in their policies or as add-ons. Having dental and wellness coverage can save you money on regular vet visits and help catch health issues early. However, not all plans include them. So, look for pet wellness plans that cover routine exams, vaccinations, and dental care as part of their package for wider coverage.

How Are Claims Processed and How Fast?

Before signing up, ask about average turnaround times and whether they offer 24/7 support for claim questions. The easiest pet insurers let you file claims online or through an app, speeding up the process. Some even offer direct payments to your vet, so you don't have to front the costs. Fast claims processing means you get reimbursed quickly, keeping your finances steady.

Is There a Waiting Period for Coverage?

If you want faster coverage, be sure to ask about waiting times before you buy. Most pet insurance plans include a waiting period before coverage kicks in. This means a set number of days after signing up, during which you can't file claims for new accidents or illnesses. Waiting periods protect insurers from people buying insurance only after their pet gets sick.

Can I Visit Any Vet or Do You Require In-Network Providers?

If your pet insurer limits vet options, you might face extra hassle or out-of-network fees. Many companies allow you to visit any licensed veterinarian, giving you the freedom to choose. This flexibility is great if you have a trusted vet or travel frequently. Some companies, however, have in-network vet requirements to keep costs down.

What Happens if I Move States or Switch Vets?

Before committing, ask about the insurer's policies on relocations and vet changes. Knowing this can save you from unexpected gaps in coverage or the hassle of reapplying. Some pet insurance companies let you transfer your policy seamlessly to a new state or vet. Others might have restrictions or require you to start fresh.

Top 11 Best Pet Insurance Companies in 2025

Picking the best pet insurance company can feel overwhelming with so many options available. To make your search easier, we've rounded up the top 11 pet insurance providers for 2025. These companies stand out for their coverage, customer service, and value.

1. Healthy Paws

Healthy Paws earns top marks as a pet insurance provider thanks to its simple, no-limit plan and speedy claims. Pet parents love how easy it is to get reimbursed. Plus, they love the freedom to visit any licensed veterinarian nationwide.

Overview. Healthy Paws offers one comprehensive policy with no maximum annual or lifetime payouts. They cover accidents, illnesses, hereditary conditions, cancer, emergency care, and alternative treatments. Most claims get processed within two days.

What They Offer. The plan reimburses up to 90% of vet costs for new accidents and illnesses, with no per-incident or lifetime caps. You can use any licensed vet, including specialists and emergency clinics. The plan covers dogs and cats, from puppies and kittens up to seniors.

Pros & Cons:

• Pros: Fast claims, broad coverage, no payout limits, any vet allowed
• Cons: No wellness coverage, pre-existing conditions excluded, no add-ons

2. Embrace Pet Insurance

Embrace Pet Insurance offers a flexible, comprehensive plan designed to protect pets against accidents and a wide range of health conditions. With unique coverage for dental illnesses and breed-specific issues, Embrace aims to give owners peace of mind no matter their pet's health history.

Overview. Embrace covers accidents, illnesses, chronic conditions, cancer, dental illness (up to $1,000/year), and hereditary and congenital conditions. They also include complementary treatments like acupuncture and rehabilitation, with options for prescription drug coverage and exam fee add-ons. Embrace handles pre-existing conditions uniquely by potentially covering curable ones after a symptom-free period.

What They Offer. Their plans include customizable annual limits, deductibles, and reimbursement levels up to 90%. They cover emergency care, specialist visits, surgeries, and diagnostic testing. They also offer a 24/7 pet advice line called PawSupport. Wellness Rewards is available as an optional membership to help with routine care like grooming, vaccinations, and training.

Pros & Cons:

• Pros: Covers dental illness, breed-specific conditions, and offers exam fee coverage; customizable plans; 24/7 pet support line
• Cons: Wellness Rewards is not insurance but a separate membership, some waiting periods vary by state, excludes pre-existing conditions

3. Spot Pet Insurance

Spot Pet Insurance offers up to 90% cash back on covered vet expenses and the freedom to visit any licensed vet in the U.S. or Canada. Their 24/7 telehealth helpline adds an extra layer of support for pet parents anytime, anywhere.

Overview. Spot covers accidents, illnesses, hereditary and congenital conditions, behavioral issues, dental illnesses, and more. Their plans include accident-only and accident-and-illness options. There's an optional wellness add-on that reimburses routine care like vaccines and dental cleanings. Claims are easy to submit via app or online, with fast reimbursements through check or direct deposit.

What They Offer. Coverage extends to diagnostics, treatments, surgeries, specialist care, emergency services, and alternative therapies like acupuncture and stem-cell treatment. Wellness plans cover spay/neuter, flea and heartworm prevention, and routine exams. Multi-pet discounts help lower premiums for households with more than one pet.

Pros & Cons:

• Pros: Covers a wide range of conditions, includes behavioral health, flexible wellness add-on, multi-pet discounts, 24/7 telehealth support
• Cons: Wellness coverage is an add-on, some advanced treatments require prior approval, premiums vary by location and pet profile

4. Figo Pet Insurance

Figo Pet Insurance stands out for its tech-savvy approach and customizable plans. Founded in 2013 and based in Chicago, Figo combines broad coverage with user-friendly tools to make managing your pet's health simple and stress-free.

Overview. Figo offers three main plans—Essential, Preferred, and Ultimate—ranging from $5,000 annual reimbursement to unlimited coverage. Their plans cover accidents, illnesses, chronic conditions, hereditary and congenital disorders, cancer treatments, dental illness, and alternative therapies like acupuncture and chiropractic care.

What They Offer. Figo allows visits to any licensed vet worldwide, including specialists and emergency clinics. Their mobile app simplifies claims with quick uploads, real-time tracking, and direct reimbursements. Additional features include 24/7 live vet access, digital health records, and pet recovery assistance through their Pet Tag program.

Pros & Cons:

• Pros: Highly customizable plans, unlimited coverage option, easy claims via app, global vet access, 24/7 vet support
• Cons: Premiums can vary by location and pet profile, wellness coverage requires add-ons, some advanced treatments need approval

5. Trupanion

Trupanion's plan covers new, unexpected illnesses and injuries with no payout limits. This means your pet gets the care they need without you worrying about maxed-out coverage. Plus, their standout VetDirect Pay™ system pays the vet directly at checkout. You don't have to front the money and wait for reimbursement.

Overview. Trupanion offers one simple, comprehensive plan covering surgeries, diagnostics, advanced dental work, medications, and more. They don't use traditional deductibles. Instead, you pick a payout percentage, say 90%, and they cover that part of the eligible costs.

What They Offer. Unlimited payouts, no per-incident or lifetime caps, and 24/7 customer support. The plan excludes wellness or preventive care like vaccines and exam fees, and has waiting periods of 5 days for injuries and 30 days for illnesses.

Pros & Cons:

• Pros: No payout limits, VetDirect Pay™ system speeds up care, simple plan, great for unexpected bills
• Cons: No coverage for routine care or exam fees, waiting periods apply

6. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance brings trusted coverage backed by the American Society for the Prevention of Cruelty to Animals. Their plans offer solid protection to keep your pet healthy, with options to fit different budgets and needs.

Overview. Choose from a Complete Coverage plan that handles accidents, illnesses, hereditary conditions, dental disease, and alternative therapies, or an Accident-Only plan for injury-focused coverage. They also offer a Preventive Care add-on to help with routine wellness, like vaccines and dental cleanings.

What They Offer. Flexible deductibles, reimbursement rates, and annual limits let you tailor your plan. Coverage works nationwide with any licensed vet in the U.S. or Canada. Plus, you get a multi-pet discount and a 30-day money-back guarantee.

Pros & Cons:

• Pros: Wide coverage options, customizable plans, multi-pet discounts, nationwide vet access
• Cons: No coverage for pre-existing conditions, waiting periods apply, wellness care is optional

7. Pumpkin Pet Insurance

Pumpkin Pet Insurance delivers solid, all-around coverage for pets of all ages and breeds. Backed by Zoetis, a trusted name in animal health, Pumpkin's plans cover accidents, illnesses, hereditary conditions, and behavioral issues.

Overview. Pumpkin offers accident and illness plans with no breed or age restrictions. They also provide a Preventive Essentials package for routine care like vaccines and dental cleanings. Their PumpkinNow™ feature lets you get reimbursed within 15 minutes for urgent expenses, even before paying your vet.

What They Offer. Coverage includes vet exam fees, advanced treatments like stem-cell therapy, dental illnesses up to $1,000 per year, and virtual vet visits. You can customize deductibles from $100 to $1,000 and get up to 90% back on eligible vet bills.

Pros & Cons:

• Pros: No age or breed limits, quick reimbursement options, extensive coverage including behavioral care
• Cons: Wellness care is optional, some exclusions apply

8. Lemonade Pet Insurance

Lemonade Pet Insurance brings a fresh, tech-savvy approach to protecting your furry friend. Their base plan covers accidents and illnesses, including diagnostics, surgeries, medications, and hospital stays. That's everything your pet might unexpectedly need.

Overview. Lemonade offers customizable plans with options for annual deductibles, reimbursement rates up to 90%, and flexible coverage limits. They cover dogs and cats from 8 weeks up to 14 years old, available in most U.S. states.

What They Offer. Choose optional add-ons like Preventative Care for routine vet visits, Dental Illness, Behavioral Conditions, Physical Therapy, and even End-of-Life services. Their fast mobile app lets you file claims easily, with most processed in 1 to 3 days.

Pros & Cons:

• Pros: Simple plans, easy claims via app, customizable coverage, quick payouts
• Cons: Limited availability in some states, wellness add-ons increase premium

9. Nationwide Pet Insurance

Nationwide Pet Insurance has been a trusted name for over 40 years, protecting more than a million pets across the country. They cover not just dogs and cats but also exotic pets like birds, reptiles, and small mammals. This makes them a great choice for all kinds of pet parents.

Overview. Nationwide offers flexible plans including accident-only, accident and illness, and wellness coverage. Their 24/7 VetHelpline app provides instant access to expert advice whenever you need it.

What They Offer. Coverage includes surgeries, emergencies, hereditary conditions, and routine care through optional wellness plans. Discounts apply for multiple pets, helping you save as you protect your furry family.

Pros & Cons:

• Pros: Covers exotic pets, customizable plans, 24/7 vet advice, multi-pet discounts
• Cons: No coverage for pre-existing conditions, some exclusions like grooming and boarding

10. Pets Best

Pets Best offers flexible pet insurance plans for both dogs and cats. They cover up to 90% of unexpected vet bills with no annual or lifetime payout limits. You can customize your deductible, reimbursement rate, and policy limits to fit your budget and your pet's needs.

Overview. Pets Best welcomes pets of all ages, with no upper age limits. They provide a 24/7 pet helpline staffed by veterinary experts. Their mobile app makes managing your policy and submitting claims a breeze.

What They Offer. Coverage options include accident and illness plans, accident-only plans for budget-conscious owners, and an optional routine care add-on for vaccinations and dental cleanings.

Pros & Cons:

• Pros: No upper age limits, customizable plans, 24/7 helpline, easy mobile app access
• Cons: $2 processing fee on premium payments, limited alternative therapy coverage

11. AKC Pet Insurance

AKC Pet Insurance has been the official pet insurance partner of the American Kennel Club since 2003. They offer customizable plans designed for dogs and cats of all breeds and ages.

Overview. Administered by PetPartners, AKC Pet Insurance covers accidents, illnesses, hereditary conditions, and even some pre-existing conditions after one year of continuous coverage. Their 24/7 vet helpline supports pet parents anytime.

What They Offer. Plans include accident and illness coverage, wellness add-ons, and unique options like breeding coverage and final respects coverage. You can tailor your deductibles, reimbursement levels, and annual limits to suit your budget and needs.

Pros & Cons:

• Pros: Coverage for curable pre-existing conditions, customizable plans, 24/7 vet support, unique add-ons
• Cons: Pre-existing coverage requires 365 days of continuous coverage, not available in all states

Comparing the Best Pet Insurance Companies Side-By-Side

Choosing the best pet insurance company can feel overwhelming with the many great options we just talked about. To make this easier, here's a side-by-side comparison of the top 11 pet insurance providers we covered. This overview highlights key features such as monthly cost ranges, coverage types, claim processing times, and customer satisfaction ratings.

Company	Monthly Cost Range	Coverage Types & Customization	Claim Processing Time	Customer Satisfaction
Healthy Paws	$20 - $100+	Accident & Illness, No caps, Any vet	Most claims processed in 2 days	High ratings on multiple review sites
Embrace	$15 - $70+	Accident & Illness, Wellness add-ons	7 - 10 days	Strong customer service reputation
Spot	$15 - $80+	Accident & Illness, Accident only, Preventive care add-ons	3 - 5 days	Loved for affordability and ease
Figo	$20 - $90+	Accident & Illness, Wellness plans	5 days	High marks for tech-friendly service
Trupanion	$40 - $150+	Accident & Illness, No payout limits	5 - 7 days	Known for quick payouts and coverage
ASPCA	$15 - $70+	Accident & Illness, Wellness add-ons	10 - 14 days	Solid customer support
Pumpkin	$20 - $75+	Accident & Illness, Wellness plans	3 - 5 days	Praised for transparency and value
Lemonade	$10 - $70+	Accident & Illness, Preventive care	24 - 48 hours	Highly rated for fast claims
Nationwide	$30 - $120+	Accident & Illness, Wellness plans	5 - 7 days	Long-standing insurer with broad coverage
Pets Best	$20 - $80+	Accident & Illness, Routine care add-on	3 - 5 days	Positive feedback for flexibility
AKC Pet Insurance	$45 - $60+	Accident & Illness, Wellness, Breeding add-ons	7 - 10 days	Trusted brand with solid coverage

 

Monthly Cost Ranges

Pet insurance premiums vary widely depending on factors like your pet's age, breed, location, and the coverage level you choose. On the lower end, some plans start around $10 to $15 per month, especially for accident-only coverage or basic wellness add-ons. More comprehensive plans with higher reimbursement rates and unlimited coverage can push monthly costs to $100 or more.

For example, Lemonade offers some of the most affordable starting premiums near $10. Meanwhile, Trupanion's plans lean toward the higher end with rates, often exceeding $100 monthly due to their no payout limits. Most plans fall in the $20 to $80 range, balancing good coverage with affordable premiums.

Coverage Types & Customization Options

The best pet insurance companies offer flexible coverage that fits your furry friend's unique needs. Most provide accident and illness plans, which cover everything from broken bones to chronic conditions like allergies or diabetes. Many also offer optional wellness or preventive care add-ons that reimburse routine vet visits, vaccinations, and dental cleanings.

Customization plays a big role in managing costs and coverage. You can usually adjust your annual coverage limit, deductible amount, and reimbursement percentage to strike the right balance between monthly premiums and out-of-pocket expenses.

Some companies, like Embrace and Healthy Paws, allow unlimited vet visits, while others may set limits. Look for plans that offer breed-specific condition coverage and extras like alternative therapies or behavioral treatment to keep your pet fully covered.

Claim Processing Times

Fast claim processing can provide peace of mind when you're waiting to get reimbursed for vet bills. Most top pet insurers strive to process claims quickly, but times can vary.

Lemonade leads the pack with lightning-fast claim approvals, often paying out within 24 to 48 hours. Healthy Paws follows closely, with most claims processed in just two days. Spot, Pumpkin, and Pets Best also offer speedy turnarounds, typically around three to five days. Some insurers like ASPCA and Embrace may take a bit longer, averaging 7 to 14 days.

Customer Satisfaction Ratings

Customer satisfaction is a strong indicator of how well a pet insurance company delivers on its promises. Healthy Paws consistently earns top marks for outstanding service and hassle-free claims. Lemonade scores high praise for its user-friendly app and lightning-fast claim payouts.

Embrace and Spot also receive solid reviews for helpful customer support and flexible coverage options. Trupanion is well-loved for its dependable service and lifetime coverage, though some find premiums on the higher side. Nationwide, ASPCA, and Pets Best have loyal followings thanks to comprehensive plans and responsive customer care. 

Which Pet Insurance Is Best for Dogs vs Cats?

Dog insurance plans tend to focus heavily on accidents, illnesses, and breed-specific issues like hip dysplasia or ligament tears. Meanwhile, cat insurance often covers conditions common to felines such as urinary tract infections, kidney disease, and dental problems.

Certain insurers tailor their plans to better serve one species or the other. For instance, Healthy Paws and Embrace offer strong options for both dogs and cats, while some companies provide extra perks like behavioral coverage or wellness add-ons that suit specific needs.

Breed, Age & Health History Considerations

 

Some breeds are prone to specific conditions, like hip dysplasia in German Shepherds or urinary issues in Persian cats. These health issues affect coverage options or premiums. Also, older animals usually have higher vet costs, so look for insurers that cover senior pets without strict age limits.

Pre-existing conditions often impact eligibility, so it's important to understand how different companies handle them. For example, AKC and Embrace offer coverage for curable pre-existing conditions after certain waiting periods.

Alongside insurance, HolistaPet provides natural wellness products to support your pet's health throughout life stages. Our CBD chews, oils, and treats, for example, help calm anxious behaviors. We also have options for mobility, digestion, immunity, and dental care. All our products are natural, non-GMO, vegan-friendly, made in the U.S.A., and lab tested for quality and purity. You can't go wrong with our carefully formulated, pet-focused offerings.

Common Myths About Pet Insurance (Debunked!)

Pet insurance sometimes gets a bad rap, but a lot of that comes from myths that just don't hold up. Many pet parents hesitate to buy insurance because they think it's too expensive, won't pay out when needed, or is only for sick pets. Let's set the record straight on these common beliefs and help you make a confident choice for your furry friend.

"It's Too Expensive"

Many pet parents avoid insurance, thinking it will drain their wallets. But the truth is that pet insurance can actually save you big bucks when unexpected vet bills show up. Monthly premiums vary widely, with some plans starting as low as $10. It's more affordable than many assume.

Without insurance, emergency vet visits, surgeries, and chronic condition treatments can add up to thousands of dollars fast. With a solid plan, you can get up to 90% of those costs reimbursed. Plus, customizable deductibles and reimbursement options help you balance monthly payments and out-of-pocket costs. So, what seems pricey upfront can end up being a smart financial move.

"They Never Pay Out"

A common myth is that pet insurance companies rarely pay claims. The reality is that most reputable pet insurers have streamlined claims processes designed to get you reimbursed quickly and fairly. For example, Healthy Paws processes most claims within two days, and Lemonade can pay out in as little as 24 to 48 hours. Companies like Spot and Embrace offer simple online or app-based claim submissions.

Of course, approved claims depend on the policy's coverage terms and exclusions. But these insurers pride themselves on transparent policies and strong customer service. If you choose a reliable provider, you'll get the support you expect when vet bills pile up.

"Only Sick Pets Need Insurance"

Some owners think insurance is only for pets with existing health problems, but that's a risky assumption. The best time to buy pet insurance is when your furry friend is healthy and young. This way, you can avoid missing out on coverage for pre-existing conditions later.

Insurance helps cover unexpected accidents and illnesses that can happen to any pet, regardless of current health. Starting early means you're prepared for anything, from sudden injuries to chronic conditions.

Pro tip: Pairing insurance with wellness products, like HolistaPet's natural CBD treats and oils, can also help maintain your best friend's overall well-being from puppyhood or kittenhood through their golden years.

Final Thoughts: How To Choose the Right Pet Insurance for You & Your Pet

Choosing the best pet insurance means finding a plan that fits your furry friend's needs and your budget without surprises. Look for coverage that includes accidents, illnesses, and options for wellness care. Consider factors like claim speed, reimbursement rates, and how flexible the plan is for your buddy's breed and age.

Don't forget to explore natural wellness options alongside insurance. HolistaPet offers a wide range of CBD and non-CBD products designed to support calm behaviors, joint health, digestion, immunity, and more. Our natural, vet-approved formulas complement insurance coverage perfectly, helping you keep your cherished companion happy and healthy every day.