Is your furry friend covered in case of an unexpected vet visit? In 2025, more Americans than ever are turning to pet insurance to ensure their pets receive the best care—without draining their wallets. With a wide variety of coverage types, special options for low-income families, and even plans for pets with pre-existing conditions, there’s something for every household and budget.
Types of Pet Insurance Coverage
Pet insurance typically falls into three primary categories. Understanding these will help you choose the plan that best fits your pet’s needs.
Accident-Only Coverage
Accident-only plans are ideal for emergency situations, such as injuries from car accidents, swallowed objects, or broken bones. These policies are generally the most affordable and may be a good entry-level option for younger or generally healthy pets.
Top Providers in 2025
- Figo – Offers budget-friendly accident-only plans with fast claim processing.
- ASPCA Pet Health Insurance – Known for accessible pricing and broad national coverage.
Accident and Illness Coverage
These plans include coverage for both accidents and common illnesses like infections, allergies, and cancer. It’s the most popular type of pet insurance in 2025 and strikes a balance between coverage and cost.
Top Providers in 2025
- Healthy Paws – Offers unlimited lifetime benefits and covers hereditary conditions.
- Lemonade Pet Insurance – Known for low premiums, digital claims, and customizable coverage.
Comprehensive (Wellness + Medical) Coverage
These plans cover accidents, illnesses, and routine wellness care like annual checkups, vaccines, flea/tick prevention, and dental cleaning. While these are the most expensive, they offer full-spectrum care.
Top Providers in 2025
- Embrace Pet Insurance – Offers flexible wellness plan add-ons and discounts for spayed/neutered pets.
- Paw Protect by PetPartners – Covers everything from diagnostics to wellness exams.
Pet Insurance for Low-Income Families
Many providers now recognize the importance of pet care access for all income levels. Some offer reduced rates, sliding scale pricing, or grants.
Budget-Friendly Options
- Wagmo – Offers affordable wellness plans starting at $20/month, covering routine care.
- Pet Assure – A discount plan rather than insurance, with no exclusions or deductibles—ideal for families on a tight budget.
Charitable Support & Nonprofit Help
- RedRover Relief and The Pet Fund are nonprofits that help low-income pet owners with veterinary costs not typically covered by insurance.
Plans for Pets with Pre-Existing Conditions
Traditionally, pet insurance excluded pets with pre-existing conditions. In 2025, however, some insurers are starting to offer conditional coverage for these pets.
Providers That Help Cover Pre-Existing Conditions
- ASPCA Pet Health Insurance – Covers some curable pre-existing conditions after a 180-day symptom-free period.
Alternative Option: Pet Savings Plans
For pets with long-standing health issues, consider veterinary discount plans or healthcare credit options like CareCredit, which provide financial relief for recurring care needs.
How to Get Pet Insurance Quotes Online
Getting a pet insurance quote in 2025 is easier than ever. You can compare rates, customize coverage, and enroll entirely online.
Steps to Get a Pet Insurance Quote
- Visit the insurer’s website or a comparison site like Policygenius, PetInsuranceQuotes.com, or ComparePetInsurance.com.
- Enter your pet’s details: species, breed, age, and zip code.
- Customize your plan: Choose deductible, reimbursement level, and coverage type.
- Compare quotes: Evaluate premiums, coverage limits, and customer reviews.
- Enroll online: Complete the application, provide payment, and get instant coverage or wait through a short waiting period.
Get The Coverage You Need Today
In 2025, pet insurance is more flexible and accessible than ever before. Whether you’re looking for emergency-only coverage, comprehensive wellness plans, or support as a low-income pet owner or someone caring for a pet with a pre-existing condition—there’s an option for you. Taking the time to compare plans and get quotes online can lead to the best protection for your beloved pet—and peace of mind for you.