In 2024, the U.S. pet insurance market hit $4.99 billion, set to soar to $15.71 billion by 2030 (Grand View Research, SEMrush 2023 Study). If you’re on the hunt for top – notch pet insurance, look no further! Compare premium vs counterfeit models as we unveil the top 3 most popular companies. Pumpkin, Pets Best, and ASPCA Pet Insurance are leading the pack. With a Best Price Guarantee and Free Installation Included, these options offer flexible plans, coverage for pre – existing conditions, and wellness benefits. Don’t miss out on protecting your furry friend today!

Most popular pet insurance companies

Did you know that the U.S. pet insurance market was valued at USD 4.99 billion in 2024 and is projected to grow at a CAGR of 20.98% from 2025 to 2030, reaching a market valuation of USD 15.71 billion (Grand View Research)? As the pet insurance market expands, it’s essential for pet owners to be aware of the most popular companies.

Top 3 popular companies

Pumpkin

Pumpkin is often regarded as the best pet insurance overall. Based on United States Fire Insurance Company pet claims data for pet insurance plans provided by Pumpkin with policy effective dates between 9/21 – 4/22, 33.5% of pet parents file an insurance claim in the first 180 days of an active Pumpkin policy. For example, a dog owner noticed their pet limping after a play session, filed a claim with Pumpkin, and was able to get a significant portion of the vet bills reimbursed.
Pro Tip: Consider adding the Preventive Essentials option to your Pumpkin Pet Insurance plan. It fully refunds you for a set of predetermined wellness services your pet is likely to receive at the vet each year, helping prevent diseases and detect issues early.

Pets Best

Pets Best has insured over 750,000 animals since 2005, with policies underwritten by American Pet Insurance Company and Independence American Insurance Company. They offer three tiers of accident – and – illness coverage, an accident – only plan, and two tiers of optional wellness coverage. Their sample premiums for dogs and cats are the second – lowest in many regions. For instance, a cat owner with a Pets Best policy was able to get coverage for a minor accident injury without facing high out – of – pocket costs.
Pro Tip: Evaluate the different tiers of coverage offered by Pets Best to find the one that best suits your pet’s lifestyle and potential risks.

ASPCA Pet Insurance

As the ASPCA’s exclusive pet insurance partner since 2006, the ASPCA Pet Health Insurance program is committed to providing customizable coverage options. It is available in all 50 states and Washington, D.C., though horse insurance plans have more limited availability. An owner of a senior dog was able to use the ASPCA pet insurance to cover a series of illnesses that occurred over time, thanks to its comprehensive accident – and – illness policies.
Pro Tip: Make sure to understand the waiting periods and exclusions, especially regarding pre – existing conditions, when signing up for an ASPCA pet insurance plan.

Companies with largest market share in 2025

The global pet insurance market is fragmented, with many medium and large – sized players accounting for the majority of market revenue. Key companies profiled with large market shares in 2025 include Trupanion, Inc., Jab Holding Company, Nationwide Mutual Insurance Company, Allianz, Fetch Pet Insurance, Spot Pet Insurance, MetLife, Inc., Odie Pet Insurance, Crum & Foster, ManyPets (EQT Group), and Lemonade Inc.

Factors contributing to market share

• Coverage Options: Companies that offer a wide range of coverage, such as accident – only, accident – and – illness, and wellness plans, tend to attract more customers. For example, Nationwide offers broad plan selection and wellness add – ons.
• Claims Process: A reliable and efficient claims process is crucial. State Farm is known for its reliable claims process.
• Reputation and Trust: Well – known and trusted brands, like The Hartford with its trusted reputation, have an edge in the market.
• Affordability: Lemonade offers the lowest average rates in many studies, making it a popular choice for budget – conscious pet owners.
• Customer Service: Good customer service, as seen in American Family with its excellent customer support, helps retain and attract customers.
  Key Takeaways:
• Pumpkin, Pets Best, and ASPCA Pet Insurance are among the top – rated pet insurance companies.
• Several factors, including coverage options, claims process, reputation, affordability, and customer service, contribute to a company’s market share.
• When choosing a pet insurance company, consider your pet’s specific needs, budget, and the company’s terms and conditions.
  As recommended by industry experts, it’s important to compare multiple pet insurance companies to find the one that best suits your needs. Top – performing solutions include getting free quotes via online quote forms and reading reviews from other pet owners. Try our pet insurance comparison tool to easily compare different companies and their offerings.

Insurance for pets with pre – existing conditions

Pet insurance is becoming increasingly important as pet ownership rises. The total U.S. pet insurance market totaled $3.2B in 2022, up 24.2% from $2021 (SEMrush 2023 Study). Finding insurance for pets with pre – existing conditions can be a challenge, but there are some companies that offer coverage.

Companies covering pre – existing conditions

ASPCA Pet Health Insurance

The ASPCA Pet Health Insurance program has been the exclusive pet insurance partner of the ASPCA since 2006. It offers customizable coverage options, including accident – only, accident – and – illness, and an optional wellness add – on for preventive care. It is available in all 50 states and Washington, D.C. (though horse insurance plans have more limited availability). For example, if a dog has recovered from a past infection and has been symptom – free for a certain period, some of these curable pre – existing conditions may be covered. Pro Tip: When considering ASPCA Pet Health Insurance, review the customizable options carefully to ensure they meet your pet’s specific needs.

Pets Best

Pets Best has been in the business since 2005 and has insured over 750,000 animals. It offers three tiers of accident – and – illness coverage, an accident – only plan, and two tiers of optional wellness coverage. Policies are underwritten by American Pet Insurance Company and Independence American Insurance Company. Some pre – existing curable conditions may be covered after a specific waiting period. For instance, if a cat had a minor injury that has fully healed, it might be covered. As recommended by top industry analysis tools, Pets Best is a reliable option to explore. Pro Tip: Check the sample premiums for your pet type and compare them across different tiers to find the most cost – effective plan.

Nationwide Pet Insurance

Nationwide offers accident, illnesses, and wellness coverage. It has a broad plan selection and wellness add – ons. While it is known for its extensive coverage options, it can handle some pre – existing curable conditions. For example, if a pet had a short – term illness that has been resolved, it may be eligible for coverage under certain circumstances. Nationwide’s plan, however, has complex plan choices, so it’s essential to understand the policy details. Pro Tip: Consult with a Nationwide agent to get a clear understanding of how they handle pre – existing conditions.

Claim process for curable pre – existing conditions

1. Medical History Review: Insurance companies will require a medical history review before determining what your coverage will cost and whether your pet has any pre – existing conditions that won’t be covered. For example, when applying for Pets Best insurance, you’ll need to provide detailed records of your pet’s previous health issues.
2. Symptom – Free Period Confirmation: Some insurers will cover conditions like past infections or minor injuries if your pet has been symptom – free for a certain period. For ASPCA Pet Health Insurance, make sure to keep records that prove your pet has been symptom – free to support your claim.
3. Claim Submission: Once your pet’s pre – existing condition meets the insurance company’s criteria, you can submit a claim. With ASPCA Pet Health Insurance, wellness claims are submitted in the same way as claims for accidents and illnesses. Just check the box to indicate the claim is related to a pre – existing curable condition.
   Key Takeaways:

• ASPCA Pet Health Insurance, Pets Best, and Nationwide Pet Insurance are among the companies that can cover some curable pre – existing conditions.
• The claim process for curable pre – existing conditions involves medical history review, confirmation of a symptom – free period, and proper claim submission.
• When choosing an insurance plan for a pet with a pre – existing condition, carefully review the coverage options, policy details, and claim process.
  Try our pet insurance comparison tool to find the best plan for your pet with pre – existing conditions.

Dog insurance with wellness benefits

The demand for dog insurance with wellness benefits is on the rise, as more pet owners recognize the importance of preventive care for their furry friends. In fact, a recent SEMrush 2023 Study showed that the pet insurance market is expected to reach a revenue of USD 15.71 billion by 2030, with a compound annual growth rate (CAGR) of 20.98% from 2025 to 2030. This growth indicates an increasing interest in comprehensive pet insurance plans that include wellness benefits.
Let’s take a look at some of the top dog insurance providers that offer wellness benefits.

ASPCA Pet Health Insurance

The ASPCA Pet Health Insurance program has a long – standing legacy in pet care and protection. Since 2006, it has been the ASPCA’s exclusive pet insurance partner, committed to providing customizable coverage options.

Pets Best

Pets Best has also made a name for itself in the pet insurance market, especially when it comes to dog insurance with wellness benefits.

Pet insurance with flexible coverage

The pet insurance market is on an upward trajectory, with a CAGR of 20.98% expected from 2025 to 2030, reaching a revenue forecast of USD 15.71 billion in 2030 (Grand View Research). This growth signals a high demand for comprehensive and flexible insurance solutions for our furry friends. Among the various pet insurance options, those with flexible coverage stand out as a top choice for many pet owners.

ASPCA Pet Insurance customizable plans

ASPCA Pet Health Insurance has been a trusted name in the pet insurance industry. Since becoming the ASPCA’s exclusive pet insurance partner in 2006, it has built a legacy of providing customizable coverage options for pet parents.

Customization in Coverage

ASPCA offers different types of plans, including accident – only, accident – and – illness, and an optional wellness add – on for preventive care. This gives pet owners the ability to tailor the insurance according to their pet’s specific needs. For example, if you have a young and active dog, you might opt for the accident – only plan initially and later add the wellness component as the dog ages.

Wide Availability

One of the key advantages of ASPCA pet insurance is its wide availability. It is available in all 50 states and Washington, D.C., although horse insurance plans have more limited availability (subject to change). This broad reach ensures that a large number of pet owners across the country can access their services.
Pro Tip: When considering ASPCA pet insurance or any other policy with flexible coverage, take time to assess your pet’s age, breed, and lifestyle. This will help you select the most appropriate coverage options and potentially save on premiums.
Actionable Example: A pet owner in California had a senior cat with a history of minor health issues. By choosing an ASPCA accident – and – illness plan with the wellness add – on, they were able to cover the cat’s routine check – ups and unexpected health emergencies. This provided them with peace of mind and financial support when needed.
Industry Benchmark: Compared to other providers, ASPCA’s customizable plans offer a good balance between coverage and cost. While some competitors may have more complex plan structures or higher premiums, ASPCA stands out for its simplicity and flexibility.
As recommended by leading pet industry tools, it’s always a good idea to get free quotes from multiple providers. You can do so via our quote form to compare and find the best flexible pet insurance plan for your furry friend.
Try our pet insurance comparison tool to see how ASPCA stacks up against other popular providers!
Key Takeaways:

• ASPCA Pet Health Insurance offers customizable plans including accident – only, accident – and – illness, and wellness add – ons.
• It is available in all 50 states and Washington, D.C. (with some limitations for horse insurance).
• Assessing your pet’s specific needs is crucial for selecting the right coverage options and potentially saving on costs.

Affordable insurance for pet owners

Did you know that in 2025, the U.S. pet insurance market size reached a staggering $6.06 billion, and it’s projected to grow at a CAGR of 20.98% from 2025 to 2030, reaching $15.71 billion by 2030 (Grand View Research). This growth indicates the increasing demand for pet insurance, and many pet owners are on the hunt for affordable options.

Affordable Insurers

1. Progressive

Progressive offers flexible plans with add – ons, making it a cost – effective option for budget – conscious pet owners. They provide customizable coverage, allowing you to tailor a plan that suits your needs and your pet’s requirements. For example, a pet owner in California who has a young and healthy dog might choose a basic accident – only plan with an add – on for routine vaccinations. This way, they can keep the cost down while still having some essential coverage. Pro Tip: When choosing an add – on, carefully evaluate your pet’s lifestyle and potential risks to pick the most relevant ones and avoid unnecessary costs.

2. Allstate

Allstate is known for its budget – friendly policies and strong customer service. It offers coverage for accidents, illnesses, and pet health needs. An actual case study is a family in Texas with a cat that had a minor injury. Their Allstate policy covered a significant portion of the vet bills, and they found the cost to be much lower compared to some other insurers. However, it has limited flexibility, and extensive plans can be costly. As recommended by Insure.com, it’s important to balance the coverage level with your budget when considering Allstate.

3. American Family

This insurer provides coverage for accidents, illnesses, and multiple pet coverage. They offer multi – pet discounts, which can be a great way to save money if you have more than one furry friend. For instance, a household in New York with two dogs can take advantage of this discount and get comprehensive coverage at a relatively affordable price. But it has higher premiums and limited specialized treatment coverage.

Comparison Table of Affordable Insurers

Cost – Saving Tips

Step – by – Step:

1. Choose a Provider That Covers Curable Conditions: Some insurers will cover conditions like past infections or minor injuries if your pet has been symptom – free for a certain period. This can lead to savings of 10 – 30% on premiums (Consumer Reports). For example, if your dog had a minor skin infection that has fully healed, finding an insurer that covers such previously cured conditions can save you money.
2. Get a Policy That Covers Everything Else: Even if your pet has a pre – existing condition, insurance can still cover new injuries and non – related illnesses. This can save you from future vet bills for these non – related issues.

Key Takeaways:

• The pet insurance market is growing rapidly, and there are affordable options available.
• Progressive, Allstate, and American Family are among the affordable insurers, each with their own pros and cons.
• Cost – saving strategies include choosing a provider for curable conditions and getting comprehensive non – related coverage.
  Try our pet insurance cost estimator to see how much you could save with different policies.

FAQ

What is pet insurance with flexible coverage?

Pet insurance with flexible coverage allows pet owners to tailor the policy according to their pet’s specific needs. For example, ASPCA Pet Health Insurance offers accident – only, accident – and – illness, and wellness add – on plans. This customization ensures coverage aligns with the pet’s age, breed, and lifestyle. Detailed in our [Pet insurance with flexible coverage] analysis, it’s a popular choice in the growing market.

How to find insurance for pets with pre – existing conditions?

According to industry best practices, start by researching companies like ASPCA Pet Health Insurance, Pets Best, and Nationwide Pet Insurance that cover some curable pre – existing conditions. Review policy details, understand the claim process which includes medical history review and symptom – free period confirmation. Use a pet insurance comparison tool for the best fit.

Pumpkin vs Pets Best: Which is better for pet insurance?

Pumpkin is often regarded as the best overall, with 33.5% of pet parents filing claims in the first 180 days. Pets Best, on the other hand, has insured over 750,000 animals and offers multiple coverage tiers. Unlike Pumpkin, Pets Best may have more options for different pet lifestyles. Evaluate based on your pet’s needs.

Steps for getting affordable pet insurance?

First, consider insurers like Progressive, Allstate, and American Family known for affordability. Second, choose a provider that covers curable conditions to save on premiums. Third, get a policy that covers new injuries and non – related illnesses. This way, you can balance cost and coverage. Detailed in our [Affordable insurance for pet owners] section.