Best Pet Insurance for June 2025
Getting pet insurance is a smart way to keep your pet healthy and your wallet happy. It helps cover those surprise vet bills and gives you peace of mind. ZenOffers only works with top-notch pet insurance companies to find you the perfect policy.
- Reimbursement for up to 90% of vet costs
- Coverage options for less than $1 a day
- Take your pet to any licensed vet, emergency clinic or specialist in the US
- Coverage for prescription foods, medicines, and alternative therapies
- Get a free quote in 2 minutes or less
- Huge savings on tests, vaccines, and essential care
- Coverage for preventative care, diagnostics, tests, and procedures
- Multiple pets? Enjoy additional discounts
- Quick claims, fast reimbursements
- Visit any licensed vet & save big
- No Maximum Annual or Lifetime Payouts
- No Enrollment or Administrative Fees
- Most Claims Processed Within 2 Days
- Trusted by More than 620,000 Pet Parents
pet parents
compared plans
with us this week.
Best Overall Pet Insurance
- Reimbursement for up to 90% of vet costs
- Coverage options for less than $1 a day
- Take your pet to any licensed vet, emergency clinic or specialist in the US
- Coverage for prescription foods, medicines, and alternative therapies
- Get a free quote in 2 minutes or less
Best Overall Pet Insurance
MetLife Pet Insurance
MetLife Pet Insurance provides affordable and comprehensive plans, offering pet owners peace of mind that their companions can receive the necessary care for long, healthy lives. Plans can easily be customized to your needs, and pet owners with more than one pet also have the option of choosing a Family Plan to cover all their pets on one policy with a single deductible. Their coverage extends to injuries, illnesses, medications, holistic treatments, and emergencies for both dogs and cats, complemented by a mobile app with 24/7 telehealth concierge chat access.
Pros
- Family plans — all your pets on one plan
- Zero day accident waiting period
- 24/7 telelhealth access
Cons
- Slightly slower average claim reimbursement – approx. 5 days
MetLife Pet Insurance – By the Numbers
Online experience
MetLife Pet Insurance offers a highly user-friendly online experience, featuring a streamlined quote tool and mobile app that contribute to its top satisfaction ratings on platforms like Trustpilot and NerdWallet. This digital convenience, along with 24/7 virtual vet access, simplifies pet care management for users.
Customizable Plans
MetLife provides highly customizable plans with adjustable limits, deductibles, and reimbursement rates, enabling pet owners to create coverage that fits their budget and needs. Noteworthy is MetLife's unique inclusion of chronic conditions, alternative therapies, and exam fees, as highlighted by industry reviews from NerdWallet and Forbes.
Multi-Pet Plans
MetLife Pet Insurance excels with its multi-pet plans, delivering both convenience and significant value through a single deductible for all enrolled pets and attractive multi-pet discounts. These unique features, highlighted by industry comparisons from Forbes and U.S. News, streamline billing and coverage management, making them ideal for households with multiple pets.
Claims Experience
MetLife Pet's claims process is straightforward, featuring online submission and direct deposit, which many users appreciate for its convenience. However, some reviews on platforms like Trustpilot and Reddit point to occasional delays and a lack of real-time tracking. While generally reliable, improving turnaround times and transparency could enhance the overall experience.
Customer Support
MetLife's knowledgeable representatives and 24/7 access to a virtual vet line provide strong value and peace of mind.
Lemonade Pet Insurance
Lemonade Pet Insurance offers affordable, customizable coverage for dogs and cats, with premiums starting as low as $10 per month. Their digital-first approach includes AI-powered claims processing, allowing many claims to be approved and paid within minutes. While the base plan covers accidents and illnesses, additional coverage for services like vet exam fees, dental illness, and behavioral therapy is available through optional add-ons. Lemonade also provides discounts for multi-pet households, bundling with other Lemonade insurance policies, and paying premiums annually. However, it's important to note that coverage is not available in all states, and certain breed or age restrictions may apply.
Pros
- Sleek digital experience with an easy-to-use app
- Charitable focus - Lemonade is a public benefit corporation. They take a flat fee on premiums up front. Then, they donate what’s left to meaningful causes customers choose—including animal welfare organizations.
- Discounts for bundling, multi-pet, and annual payment
Cons
- Not available in all 50 states
- Waiting periods - 14 days for illness and 30 days for orthopedic conditions
Lemonade Pet Insurance – By the Numbers
Online experience
Lemonade provides a modern, user-friendly digital platform through its mobile app and website, streamlining policy management and claims submission with an intuitive interface and AI-powered processing. However, some users have noted delays, particularly for complex or high-cost claims.
Customizable Plans
Lemonade offers flexible and customizable plans, allowing pet owners to adjust reimbursement percentages, deductibles, and annual limits. They also provide various add-ons, including coverage for dental illness, behavioral conditions, and physical therapy, to further tailor plans to individual needs.
Multi-Pet Plans
Lemonade accommodates multi-pet households by issuing individual policies for each pet, which ensures tailored coverage. While a traditional bundled discount isn't offered, a multi-pet discount is automatically applied to households insuring more than one pet.
Customer Experience
Lemonade's claims process, initiated through their app via video or voice recordings, often results in quick reimbursements for simple cases. However, some users have reported delays and denials, particularly for more complex or high-cost incidents.
Customer Support
Lemonade provides customer support through its app, email, and phone. While some users commend the responsiveness and helpfulness of the support team, others have reported challenges in reaching live representatives and experiencing communication delays.
Healthy Paws Pet Insurance
Healthy Paws offers comprehensive coverage for accidents and illnesses, including diagnostic tests, surgery, medications, and alternative therapies, with no limits on payouts per incident or over a pet's lifetime. This extensive coverage ensures pets receive the best possible care without financial constraints.
Pros
- No per-incident, annual, or lifetime caps on payouts
- Most claims processed within two days
- Company’s foundation has donated $2.3+ million to animal welfare charities
Cons
- No option for routine wellness care
- No discounts
Healthy Paws Pet Insurance – By the Numbers
Online experience
Healthy Paws provides a seamless online experience, with a user-friendly website and mobile app that allow for effortless policy management and quick claims submission via photo upload.
Customizable Plans
Healthy Paws offers customizable plans, though options are somewhat limited compared to other providers. Pet owners can select annual deductibles from $100-$1,000 and reimbursement levels between 50-90% (varying by age, breed, and location), but there are no additional riders or wellness packages, and choices may decrease for older pets.
Multi-Pet Plans
Healthy Paws allows customers to insure multiple pets under one account, but each pet requires a separate policy with no multi-pet discounts, meaning it doesn't offer the 5–10% savings typically found with other providers.
Claims Experience
Healthy Paws offers a fast and user-friendly claims experience, with most claims processed within two business days via their app or website, boasting a 99% success rate. Many users commend the simplicity of submission and prompt reimbursements.
Customer Support
Healthy Paws consistently receives high praise for its customer support, with many users highlighting the empathy and helpfulness of their representatives. Bankrate even ranked Healthy Paws's customer satisfaction highest among evaluated insurers, a testament to their responsive phone, email, and live chat services.
Must Read Articles
What is Pet Insurance?
Pet insurance helps cover unexpected veterinary costs for your furry friend. Just like human health insurance, you pay a premium and in return, you can get reimbursed for eligible medical expenses. Policies vary, but they often cover accidents, illnesses, surgeries, and sometimes even wellness care. This can protect you from facing hefty vet bills and ensure your pet gets the necessary treatment without financial strain. Compare pet insurance plans from MetLife
Is Pet Insurance worth it?
Whether pet insurance makes sense boils down to your personal circumstances. It's designed to cushion the blow of those surprise vet visits, like accidents or unexpected illnesses requiring surgery. You pay a monthly premium and then get reimbursed for eligible costs, which can save you from facing massive, unexpected bills. Keep in mind, plans vary, with some covering routine care like checkups and vaccinations. Compare pet insurance plans from Lemonade
How does Pet Insurance work?
Pet insurance works by helping you manage unexpected veterinary costs. You pay a regular premium to the insurance provider. When your pet needs veterinary care for a covered condition, you submit a claim for reimbursement of the eligible expenses.
Policies generally cover accidents, illnesses, surgeries, and sometimes wellness care. The specific coverage and reimbursement amounts vary depending on the plan you choose. Some plans offer options to adjust the deductible, reimbursement percentage, and annual limits, which can affect your premium cost.
Compare pet insurance plans from Healthy Paws