Vet bills are on the rise, and in 2025, more pet parents are turning to pet insurance for peace of mind and financial protection.
The number of insured pets in the U.S. hit 6.4 million in 2024—a 12.7% increase from the year before. With vet costs climbing and coverage options expanding, it’s no surprise that insurance for pets is booming.
Let’s explore what’s driving the trend.
Why Pet Insurance Is Important
Rising Vet Costs
Pet care expenses are climbing steadily, with vet bills increasing by 6–11% annually. For many families, a surprise illness or accident can mean thousands in unexpected costs. Pet insurance gives owners a financial safety net, making it easier to say “yes” to the care their pets need.
Pets Are Family
More than ever, pets are being treated like children—and that includes giving them access to quality healthcare. Pet insurance offers peace of mind that your dog or cat will get the best care, no matter what life throws their way.
Tech Makes It Easier
From mobile apps to tele-vet support, modern pet insurance is more accessible than ever. Some companies even offer real-time claims processing or reimbursements in under 24 hours.
What Does Pet Insurance Cover?
Most insurance plans for pets fall into three main categories:
- Accident-Only Plans: Covers injuries like broken bones, bites, or swallowed objects.
- Accident & Illness Plans: Adds coverage for conditions like cancer, diabetes, and infections.
- Wellness Add-Ons: Optional coverage for routine care like vaccines, dental cleanings, and flea meds.
Just like with human health plans, coverage and costs vary widely. That’s why it’s smart to compare plans based on your pet’s age, breed, and health history.
How Much Does It Cost?
In 2025, pet insurance averages about $56/month for dogs and $32 for cats. It may sound pricey, but when emergency surgeries, like a torn ACL, can cost over $3,000, coverage often pays off. Many pet parents only pay a small portion of those bills with a good plan.
Want help choosing the right coverage? Check out our tips on buying pet insurance.
Top Pet Insurance Providers in 2025
Looking for great coverage without overpaying? These pet insurance companies offer the best value in 2025, balancing comprehensive plans, budget-friendly pricing, and reliable customer service.
- Trupanion – Offers unlimited lifetime coverage with direct vet payments—no paying out-of-pocket and waiting for reimbursement. Great for serious illnesses or emergencies.
- Healthy Paws – Known for fast claims processing, no annual caps, and broad illness + accident coverage.
- Embrace – Highly customizable plans with wellness add-ons, dental care, and no per-condition payout limits.
- Fetch by The Dodo – Includes dental illness, holistic treatments, and even virtual pet training support.
- Lemonade – Tech-savvy and affordable, with fast claim approvals and strong coverage for young pets.
- Spot – Great entry-level option with flexible deductibles and routine care options—ideal for first-time pet parents.
- Pumpkin – Offers extensive coverage and preventive care options, with strong customer reviews and transparent pricing.
Not sure which plan is right for you? Take time to compare coverage details, monthly costs, and what matters most for your pet’s age, breed, and lifestyle.
Is Pet Insurance Worth It?
The pet insurance surge isn’t just a trend, but a shift in how we care for our animals.
With more options and better technology, 2025 is a great time to explore coverage and protect your pet for the long haul.
Whether you’re raising a rambunctious puppy or supporting a senior cat, a good insurance plan can offer the peace of mind every pet parent deserves.
