9 Best Pet Insurance Companies of April 2025

Pet insurance is an important consideration for any pet owner, as it can help cover unexpected veterinary costs and ensure that your furry friend receives the care they need. With so many options available, it can be overwhelming to choose the right pet insurance policy. To help you make an informed decision, we have compiled a list of the best pet insurance providers for April 2025.

Spot is a standout choice for pet insurance, offering unlimited coverage with no age restrictions. This means that your pet will be covered for any illness or injury, regardless of their age. Spot’s comprehensive coverage can give you peace of mind knowing that your pet will receive the best possible care without financial constraints.

Figo is another top contender, providing 100% reimbursement and unlimited payouts. This means that you will be reimbursed for the full cost of your pet’s medical expenses, with no limits on how much you can claim. Figo’s generous reimbursement policy ensures that you won’t have to worry about out-of-pocket expenses when it comes to your pet’s health.

For pet owners with pre-existing conditions, AKC is the best option for coverage. AKC offers comprehensive coverage for pre-existing conditions, ensuring that your pet will receive the care they need, even if they have a pre-existing medical condition. This can be a lifesaver for pets with chronic illnesses or injuries.

Pumpkin is a top choice for pet owners looking for preventive care coverage. Pumpkin includes an excellent preventive pet care package, which covers routine check-ups, vaccinations, and preventative treatments. This can help you keep your pet healthy and happy, while also saving money on routine veterinary expenses.

When it comes to choosing the best pet insurance policy, it’s important to consider factors such as coverage options, reimbursement rates, and pre-existing condition coverage. By evaluating these factors and choosing a reputable insurance provider, you can ensure that your pet receives the best possible care without breaking the bank. Trust Money Magazine’s expert recommendations to help you find the best pet insurance policy for your furry friend. When it comes to protecting your furry family members, finding the best pet insurance company is essential. One company that stands out among the rest is the American Kennel Club (AKC) pet insurance. With a range of coverage options and unique benefits, AKC pet insurance is a top choice for pet owners looking to provide comprehensive care for their animals.

One of the standout features of AKC pet insurance is its coverage for pre-existing conditions. Unlike many other pet insurance companies that exclude pre-existing conditions from coverage, AKC offers a unique policy that covers illnesses and injuries sustained before the policy’s effective date or during the waiting period. To qualify for this coverage, pet owners must keep the policy active for 365 days. Once this waiting period has elapsed and the policy renews, any pre-existing issues that were initially excluded will be fully covered.

In addition to its coverage for pre-existing conditions, AKC pet insurance offers a range of other benefits. Pet owners can choose to add on extra coverage for preventive care, end-of-life expenses, veterinary exam fees, behavioral therapy, and issues related to breeding. This comprehensive coverage ensures that pets receive the care they need throughout every stage of their lives.

While AKC pet insurance offers a wide range of benefits, there are a few drawbacks to consider. One downside is that there is no coverage for dental illnesses, except for tooth extractions due to injury. Additionally, hereditary and congenital conditions are not covered unless pet owners purchase the HereditaryPlus rider, which can add to the overall cost of the policy.

Overall, AKC pet insurance is a top choice for pet owners looking to provide comprehensive coverage for their animals. With its unique policy that covers pre-existing conditions and a range of additional benefits, AKC pet insurance offers peace of mind knowing that your furry family members are protected. Residents of Florida, California, and Washington who are pet owners must enroll their furry friends before their second birthday in order to qualify for an add-on to their pet insurance coverage. This add-on is offered by AKC Pet Insurance, a reputable provider known for its high upper age limit for enrollment and generous annual reimbursement limits compared to other competitors with annual caps.

One of the standout features of AKC Pet Insurance is the inclusion of up to six months of pet travel insurance, allowing pet owners to have peace of mind while on the go with their furry companions. However, it is important to note that the plan does have limited wellness benefits and caps dental illness coverage at $1,000 a year. Additionally, certain conditions such as patellar luxation and hip dysplasia are excluded for the first six months of coverage.

When it comes to plan options, pet owners can choose between accident and illness coverage or accident-only coverage. Annual payout limits range from $5,000 to $30,000, with reimbursement rates of 70%, 80%, or 90%. Pet owners can also select an annual deductible ranging from $100 to $1,000, depending on their budget and coverage needs. Waiting periods for illnesses are set at 14 days, ensuring that pets can receive timely care when needed.

In terms of discounts, AKC Pet Insurance offers a 10% multi-pet discount, as well as a 5% military discount and a 5% to 10% healthy pet discount. This makes it easier for pet owners to afford comprehensive coverage for all of their furry family members.

For those looking for a pet insurance provider that rewards responsible pet ownership, Embrace is a top choice. Embrace offers comprehensive coverage that is on par with the best pet insurance providers on the market. The company will reimburse pet owners for the diagnosis and treatment of most accidents and illnesses that aren’t pre-existing, including exam fees, diagnostics, medication, surgery, ambulance, and hospitalization if necessary.

One of the unique features of Embrace is the Healthy Pet Deductible, which rewards pet owners for keeping their pets healthy. If a pet owner doesn’t exceed $300 in claims in the year prior to the discount period, they can earn a 5% discount off their monthly premium the first year they qualify. This discount increases to 10% if they also qualify the following year, making it even more affordable to provide quality care for their furry companions.

Overall, both AKC Pet Insurance and Embrace are top choices for pet owners looking for comprehensive coverage and affordable premiums. By enrolling their pets early and taking advantage of discounts, pet owners can ensure that their furry friends receive the care they need without breaking the bank. Military members, veterans, and their eligible relatives now have the opportunity to access all of Embrace’s pet insurance benefits at a discounted rate of 25%. This is great news for those who serve our country and their families who are looking to provide the best care for their furry companions. Embrace pet insurance offers a range of coverage options to ensure that pets receive the medical attention they need without breaking the bank.

While Embrace pet insurance offers many benefits, there are a few drawbacks to consider. One limitation is that dental illness coverage is capped at $1,000 per year. This may be a concern for pet owners who anticipate high dental costs for their furry friends. Additionally, there is an extended waiting period of six months for conditions such as Intervertebral Disk Disease (IVDD), cruciate ligament injuries, patellar luxation, and hip dysplasia. This waiting period may pose a challenge for pet owners who need immediate coverage for these specific conditions. Another downside is that there is no coverage for natural supplements, vitamins, or food, which may be necessary for pets with certain health conditions.

Despite these drawbacks, Embrace pet insurance offers a range of benefits that make it a competitive option for military members, veterans, and their eligible relatives. One of the standout features of Embrace pet insurance is the option for up to 100% reimbursement with no annual limits. This means that pet owners can rest assured knowing that their furry companions will receive the care they need without worrying about reaching a maximum payout amount. Additionally, there is no upper age enrollment limit, so even senior pets can receive coverage under Embrace pet insurance.

Embrace pet insurance also offers low deductible options, making it more affordable for pet owners to access coverage for their furry friends. With deductible options ranging from $100 to $1,000, pet owners can choose a plan that fits their budget and provides the coverage they need. In addition, Embrace pet insurance has one of the most affordable premiums on the market, making it a cost-effective option for military members, veterans, and their families.

Another benefit of Embrace pet insurance is the short waiting period for accidents, which is just one day. This means that pet owners can enroll their furry companions in coverage and have peace of mind knowing that they are protected in the event of an accident. However, it is important to note that there is no coverage for hereditary conditions if the pet is enrolled after their second birthday, which may be a consideration for pet owners with specific breed concerns.

In conclusion, Embrace pet insurance offers a range of benefits for military members, veterans, and their eligible relatives. While there are some limitations to consider, such as the cap on dental illness coverage and the extended waiting period for certain conditions, the overall benefits of Embrace pet insurance make it a competitive option for those looking to provide quality care for their furry companions. With affordable premiums, high reimbursement rates, and low deductible options, Embrace pet insurance is a great choice for military families looking to protect their pets. Figo is a standout pet insurance provider that offers pet owners the flexibility to choose up to 100% reimbursement without annual payout limits and avoid copayments entirely. This unique feature sets Figo apart from other pet insurance companies in the market.

One of the key highlights of Figo is its 100% reimbursement option, which allows pet owners to reduce their copayment to 0%. This is a significant advantage as most pet insurance providers typically offer a minimum copayment of 10%. By opting for the 100% reimbursement option, pet owners can enjoy comprehensive coverage for their furry friends without having to worry about out-of-pocket expenses.

In addition to its reimbursement options, Figo also offers several endorsements that enhance coverage for pet owners. These endorsements include coverage for pet boarding, lost or stolen pets (including advertising costs and the value of the pet if it is not found), and pet liability insurance. These additional coverages provide peace of mind for pet owners, knowing that their pets are protected in various situations.

Another notable feature of Figo is its Pet Cloud app, which offers comprehensive mobile support for pet owners. Through the app, pet owners can easily contact a licensed veterinarian 24/7, manage their pet’s insurance documents, make payments, and perform other transactions. The convenience and accessibility of the Pet Cloud app make it a valuable tool for pet owners to stay connected and informed about their pet’s health and insurance coverage.

While Figo offers many benefits and features, there are some limitations to be aware of. Figo enforces strict limits on coverage for hereditary conditions such as hyperthyroidism, renal disease, and intervertebral disc disease (IVDD). These conditions are excluded from coverage if the pet is enrolled after its second birthday. Pet owners should carefully review the terms and conditions of Figo’s coverage to understand any limitations and exclusions that may apply to their pets.

Overall, Figo stands out as a top choice for pet insurance due to its innovative features, flexible reimbursement options, and comprehensive coverage. Pet owners looking for a reliable and transparent pet insurance provider should consider Figo for their furry friends’ health and well-being. Figo Pet Insurance is a popular choice for pet owners looking to protect their furry friends with comprehensive coverage. One of the standout features of Figo is their exam fee reimbursement and physical therapy riders, which are offered as separate add-ons to their base policy. This sets Figo apart from other insurers who include these benefits in their standard coverage.

In addition to their unique riders, Figo also offers quick claims processing, with claims being processed in minutes rather than weeks through their mobile app. This is a huge benefit for pet owners who want to get reimbursed quickly for their vet expenses. Figo also offers multiple discounts, making their policies more affordable for pet owners. Plus, a portion of the payments made to Figo go to charities, so customers can feel good about supporting a good cause while protecting their pets.

Figo offers customizable coverage options, allowing pet owners to tailor their policy to fit their needs and budget. However, it’s worth noting that Figo is only available in 38 states, so not all pet owners may be able to access their policies. Additionally, policies can only be adjusted at renewal, so pet owners should make sure they choose the right coverage from the start.

When it comes to plan options, Figo offers accident and illness coverage, as well as a wellness rider for preventive care. Pet owners can choose from annual payout limits ranging from $5,000 to $100,000, reimbursement rates of 70%, 80%, or 90%, and annual deductibles of $100, $250, or $500. Waiting periods are relatively short, with 2 days for accidents and 14 days for illnesses, so pet owners can start using their coverage quickly.

Overall, Figo Pet Insurance is a top choice for pet owners looking for comprehensive coverage with unique benefits like exam fee reimbursement and physical therapy riders. With quick claims processing, customizable coverage options, and multiple discounts available, Figo is a great option for pet owners who want to protect their pets without breaking the bank.