Cheap Pet Insurance That Covers Everything 2025

Cheap Pet Insurance That Covers Everything 2025 is here for you but first check your requirements and choose your plan wisely.

Here are a few names of companies that provide the cheapest & best pet insurance that covers everything:

1. Nationwide

This company is a well-established pet insurance company in the United States, Founded in 1925 as Farm Bureau Mutual Automobile Insurance Company, and introduced a pet insurance scheme in 1982 is among the largest pet insurance providers Located in the US.

WEBSITE: Nationwide

Policy feature Details:

• Customizable deductible and copayment options.
• Reimbursement rates up to 90%.
• Annual limits up to $10,000.
• 24/7 claims support.

what do they cover?

• Accidental injury and illness coverage for dogs, cats, birds, and other small animals.
• Preventive care coverage for routine services like vaccination and dental cleaning.
• Chronic condition management for ongoing health issues.
• Optional coverage for exam fees, prescriptions, and alternative therapies.

2. Embrace

As a leading US-based pet insurance company, they offer comprehensive coverage and adaptable policies that cater to diverse pet needs.

WEBSITE: Embrace

Policy feature Details:

• Customizable deductible and copayment options.
• Reimbursement rates up to 90%.
• Annual limits up to $30,000.
• 24/7 claims support.

what do they cover?

• Comprehensive coverage for accidental injuries and illnesses affecting dogs and cats
• Preventive care coverage for routine services like vaccination and dental cleaning.
• Chronic condition management for ongoing health issues.
• Optional coverage for exam fees, prescriptions, and alternative therapies.

3. Figo

This company is a popular pet insurance provider in the US and is also known for its modern approach and comprehensive coverage.

WEBSITE: Figo

Policy feature Details:

• 100% reimbursement option for vet bills.
• No payout limits per condition.
• Annual limits up to $100,000.
• 24/7 claims support.

what do they cover?

• Comprehensive coverage for accidental injuries and illnesses affecting dogs and cats.
• Preventive care coverage for routine services like vaccination and dental cleaning.
• Chronic condition management for ongoing health issues.
• Alternative treatment coverage, including acupuncture, chiropractic care, and more.

4. PetPlan

A trusted pet insurance provider in the US, offering comprehensive coverage and a dedication to supporting pet health.

WEBSITE: PetPlan

Policy feature Details:

• 97% claims reimbursement rate.
• No payout limits per condition.
• Annual limits up to $22,000.
• 24/7 claims support.

what do they cover?

• Comprehensive coverage for accidental injuries and illnesses affecting dogs and cats.
• Preventive care coverage for routine services like vaccination and dental cleaning.
• Chronic condition management for ongoing health issues.
• Coverage for hereditary and congenital conditions.

5. Healthy Paws

Healthy Paws is a top-rated pet insurance provider in the US, known for its comprehensive coverage and excellent customer service.

WEBSITE: Healthy Paws

Policy feature Details:

• 90% reimbursement rate for vet bills.
• No payout limits per condition.
• No annual or lifetime limits.
• 24/7 claims support.

what do they cover?

• Comprehensive coverage for accidental injuries and illnesses affecting dogs and cats.
• There is no upper age limit for enrollment.
• Coverage for hereditary and congenital conditions.
• Optional wellness plans for routine care.

6. ASPCA Pet Health Insurance

ASPCA Pet Health Insurance offers customizable coverage options to help pet parents better care for their pets when they get hurt or sick. Since 2006, they’ve collaborated with the ASPCA as a strategic partner, offering dependable, budget-friendly, and trustworthy pet insurance solutions.

You can choose from a range of plans that cover accidents, illnesses, hereditary conditions, and behavioral issues, with flexible customization options and a 30-day satisfaction guarantee.

WEBSITE: ASPCA Pet Health Insurance

Policy feature Details:

• Coverage options include accidental injuries, illnesses, hereditary conditions, behavioral problems, and dental care.
• Customizable Plans: Choose your deductible, copayment, and coverage limits.
• Discounts: 10% multi-pet discount, 5% discount for annual payment.
• Preventive Care Option: Add coverage for routine services like vaccinations, dental cleanings, and wellness exams

7. MetLife Pet Insurance

MetLife Pet Insurance offers comprehensive coverage for dogs and cats, helping pet parents manage veterinary expenses.

WEBSITE: MetLife Pet Insurance

Policy feature Details:

• 24/7 claims support.
• Reimbursement rates up to 90%.
• Annual limits up to $20,000.
• No payout limits per condition.

what do they cover?

• Accidental injury and illness coverage.
• Optional wellness plans for routine care.
• Coverage for hereditary and congenital conditions.
• Dental coverage for accidents and illnesses.

8. Trupanion

Trupanion is a popular pet insurance provider in the US and Canada, and it is known for its comprehensive coverage and unique features.

WEBSITE: Trupanion

Policy feature Details:

• 90% reimbursement rate for vet bills.
• No payout limits per condition.
• No annual or lifetime limits.
• 24/7 claims support.

what do they cover?

• Comprehensive coverage for accidental injuries and illnesses affecting dogs and cats.
• Coverage for hereditary and congenital conditions.
• Dental coverage for accidents and illnesses.
• Optional wellness plans for routine care.

9. Spot Pet Insurance

Spot Pet Insurance is a relatively new player in the pet insurance market, but they’re making waves with their modern approach and comprehensive coverage.

WEBSITE: Spot Pet Insurance

Policy feature Details:

• 90% reimbursement rate for vet bills.
• No payout limits per condition.
• Annual limits up to $20,000.
• 24/7 claims support.

what do they cover?

• Comprehensive coverage for accidental injuries and illnesses affecting dogs and cats.
• Coverage for hereditary and congenital conditions.
• Dental coverage for accidents and illnesses.
• Optional wellness plans for routine care.

Questions to Ask Before Choosing a Policy

Does it cover pre-existing conditions?

Most plans don’t, but some may cover “curable” conditions after a waiting period.

What is the claims process like?

Check for ease of filing claims and reimbursement speed.

Is there a waiting period?

Policies usually include a short waiting period before benefits become effective.

Are there any caps or payout limits?

Look for plans with unlimited lifetime benefits to avoid running out of coverage.

While “cheap” and “comprehensive” don’t always go hand-in-hand, you can find affordable options. Monthly premiums typically range from $20 to $50 for dogs and $10 to $30 for cats. Factors that affect price include:

• Age of Pet: Older pets face higher premiums.
• Breed: Certain breeds have predisposed health issues.
• Location: Vet costs vary by location, affecting premiums.
• Customizations: Adding wellness, dental, and other riders increases costs.

Although there will be some things that no plan will cover, a number of insurers tend to offer better plans than most insurers. The focus here is on comprehending what the requirements of the pet are, which insurances are needed most, and how to get them. So by modifying your policy and utilizing the discounts, you can obtain the best and quite cheap coverage for your pet.

Putting money into pet insurance doesn’t just mean safeguarding your wallet, it also means that you help your pet receive excellent healthcare. Therefore, use the guidelines, steps, and information, and you will certainly locate a suitable insurance plan for your beloved pet.

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