Best Cheap Pet Insurance Of 2025

Pet insurance can be incredibly helpful if your pet is injured or is diagnosed with a serious illness. But it’s another monthly expense — one that gets bigger as your furry family member gets older.

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To help protect your budget, CNBC Select has named the most affordable pet insurance companies. (See our methodology for more information on how we made our picks)

Who’s this for? Spot gives pet parents a 10% discount for adding more than one fur baby to a policy.

Standout benefits: Spot’s wellness plan starts 24 hours after purchase and includes spaying/neutering and dental treatments, which many other pet insurers exclude.

Who’s this for? Pets Best doesn’t have an upper age limit for coverage, making it a good choice if you have a senior dog or cat.

Standout benefits: Pets Best offers an unlimited coverage option so you don’t have to worry about bumping up against an annual limit.

Who’s this for? Figo Pet Insurance offers 15% off for Costco members and waives the $15 enrollment fee for Costco Executive members.

Standout benefits: While most insurers cap reimbursement at 80% or 90%, Figo has a 100% reimbursement option.

Who’s this for? Lemonade combines affordability and convenience with an AI-powered interface that it says settles nearly 40% of claims in seconds. Upload your claim on the website or mobile app and your reimbursement is wired directly to your bank account.

Standout benefits: Save up to 10% if you bundle your pet insurance policy with renters, homeowners or car insurance from Lemonade.

Who’s this for? MetLife is one of just a few insurers that insurers exotic pets, including birds, snakes, turtles and rabbits

Standout benefits: There’s no waiting period for accident coverage and your deductible can drop by up to $50 every year you don’t file a claim.

Who’s this for? CarePlus by Chewy reimburses up to 100% of costs for prescription medication, food and supplements.

Standout benefit: CarePlus offers direct vet pay with plans underwritten by Trupanion, so you don’t have to wait to be reimbursed.

Who’s this for? AKC Pet Insurance is the only pet insurance company we’ve found that covers incurable pre-existing conditions. (You’ll need to have your policy for 12 months for the benefit to kick in.)

Standout benefits: AKC also covers expenses relating to breeding, something most pet insurers won’t.

Founded in 2019, Spot offers accident-only, accident and illness and preventative care plans, with a 10% discount for enrolling multiple pets. Accident and illness plans include vet exam fees, microchipping, prescription pet food and end-of-life expenses.

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Since its founding in 2005, Pets Best has insured over 750,000 animals with policies underwritten by American Pet Insurance Company and Independence American Insurance Company. Annual deductibles run as low as $50 and owners can choose an unlimited annual coverage limit. There is a 5% multi-pet discount.

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Chicago-based Figo is a breakout online provider, generating $77 million in premiums in 2023. For each year you don’t file a claim, your deductible will drop by $50. Figo also has a 5% military discount and a 5% multi-pet discount.

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Lemonade offers pet insurance in about 29 states and Washington, D.C. You can earn 10% off for bundling pet insurance with Lemonade auto, renters, homeowners or other policies. New enrollments are limited to dogs 14 and younger, though some high-risk breeds have lower limits.

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Metlife started insuring pets when it acquired PetFirst in 2020 and policies cover birds, lizards and other exotic pets. There’s a 5% multi-pet discount and up to three animals can be enrolled on one plan with a single deductible.

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Launched by Chewy in 2022, CarePlus offers accident-only and accident and illness plans underwritten by Trupanion and Lemonade. In addition to discounts for Costco members, plans include unlimited access to telehealth services and discounts on supplements bought from Chewy.

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AKC Pet Insurance is a standout for its coverage of pre-existing conditions after 365 days of continuous coverage, although it doesn’t cover dental procedures and some common illnesses. Registered purebreds may be eligible for the first 30 days of coverage free. Dogs over 9 are only eligible for accident-only policies.

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According to the North American Pet Health Insurance Association, accident and illness pet insurance averaged $56.30 per month for a dog and $31.94 for a cat in 2023. Accident-only pet insurance was cheaper, at $17 per month for a dog and $9.68 for a cat.

For the pet insurance companies we selected for this list, the average monthly cost for an accident and illness plan was $42.04 a month for a dog and $26.15 a month for a cat.

Depending on the type of plan, pet insurance can cover injuries, diseases and routine care. There are three main policy types:

Accident-only policy

The most basic policy, this covers injuries and accidents, including broken bones, bites, swallowed objects or substances. Depending on the plan, it may pay for hospitalization, blood work, x-rays, ultrasounds, laboratory tests, surgery and prescriptions.

Accident and illness policy

The most common type of plan, accident and illness policies add coverage for diseases like respiratory infections, cancer, arthritis, hypothyroidism, ear infections and urinary tract infections. These conditions are generally covered only if they are diagnosed after your pet has been enrolled. Treatments for alternative and holistic therapies may be included, but read your policy to be sure

Wellness plan

Usually offered as an add-on to an accident and illness policy, a wellness plan covers routine care like vaccines, checkups, microchipping, preventative care and teeth cleaning. Some wellness plans include coverage for spaying and neutering new pets.

Pet insurance rarely covers pre-existing conditions, or medical issues your pet had before enrolling in coverage and completing the waiting period. Some pet insurance companies will cover pre-existing conditions that have been “cured,” meaning they haven’t shown symptoms or required treatment for a set period of time. AKC Pet Insurance will cover incurable and chronic conditions after one year.

Pet insurance also rarely covers elective procedures like ear cropping, tail docking or declawing. In addition, most pet insurers won’t cover costs associated with pregnancy or breeding.

You should review your policy to determine if it covers end-of-life care including pain management, euthanasia and burial/cremation.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every pet insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of pet insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

To determine the most affordable pet insurance companies, CNBC Select analyzed 15 leading pet insurance companies based on cost.

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