Best Pet Insurance for Puppies and Kittens (Picks for New Pet Parents)
Bringing home a puppy or kitten is pure magic but it’s also a big responsibility (and not just the potty training kind). With so many unknowns in your pet’s first year, pet insurance for puppies and kittens is one of the smartest moves you can make.
From unexpected vet visits to vaccinations and accidents (hello, sock-eating puppies!), this guide will help you find the best pet insurance for puppies and kittens in 2025—just for you, new pet parents!
Most Vet-Recommended Pet Insurance Companies(Pros & Cons)
Why Pet Insurance is Crucial for Puppies and Kittens
Your pet’s first year is full of important milestones—and risks:
- Higher chance of accidents or illness
- Initial vaccinations and check-ups
- Spaying/neutering and early dental care
Vet visits during the first year can add up quickly. Pet insurance helps cover all these:
- ✅ Accidents and emergencies
- ✅ Illnesses and infections
- ✅ Wellness care (with add-ons)
- ✅ Diagnostic tests and medications
Bonus: Enrolling early means no pre-existing condition exclusions later!
Best Pet Insurance for Puppies and Kittens in 2025
After reviewing dozens of providers, here are our top picks for 2025 based on affordability, coverage, and new pet perks.
| Provider | Best For | Starting Price (Est.) |
|---|---|---|
| Lemonade | Best Overall for New Pet Parents | ~$14/month |
| Spot | Best for Custom Plans | ~$20/month |
| Embrace | Best Wellness Coverage | ~$22/month |
| Figo | Best Tech Features | ~$18/month |
| Fetch by The Dodo | Best for Extras & Travel | ~$24/month |
1. Lemonade – Best Overall for New Pet Parents
Lemonade keeps things simple and budget-friendly, which is exactly what you need when navigating your pet’s first year.
Why It’s Great:
- Affordable plans starting under $15
- AI-powered app for lightning-fast claims
- Optional wellness add-ons for vaccines, spay/neuter, and check-ups
Pros:
- ✅ Perfect for puppies/kittens under 1 year
- ✅ Quick digital claims
- ✅ Option to add preventive care
Cons:
- ❌ Limited phone support
- ❌ Doesn’t cover older pets or chronic conditions as well
Check out Lemonade Pet Insurance
2. Spot – Best for Customizable Puppy & Kitten Coverage
Spot is ideal if you want more control over your plan. Choose from multiple deductible, reimbursement, and limit options.
Highlights:
- Covers behavioral issues and alternative therapies
- 24/7 telehealth access
- No age limits for enrollment
Pros:
- ✅ Flexible plans tailored to your needs
- ✅ Behavioral and holistic treatment covered
- ✅ Great for young pets with unknown health histories
Cons:
- ❌ Premiums are slightly higher for full coverage
Embrace – Best for Wellness & Preventive Care
Embrace stands out with its Wellness Rewards add-on—perfect for budgeting those first-year vet visits.
Why It’s a Great Fit:
- Comprehensive accident & illness coverage
- Optional routine care add-on covers vaccines, microchipping, and more
- Diminishing deductible: save $50 each year you don’t file a claim
Pros:
- ✅ Ideal for covering early-life care costs
- ✅ Great for new pet parents who want peace of mind
- ✅ Includes coverage for hereditary conditions
Cons:
- ❌ Waiting periods may be longer for some conditions
- ❌ Slightly higher starting premium
Figo – Best Digital Experience for Tech-Savvy Pet Parents
Love using apps for everything? Figo offers a cloud-based Pet Cloud app with 24/7 vet chat—making life easier for busy new pet owners.
Features You’ll Love:
- Fast claims via app
- Live vet chat anytime
- GPS pet tag and reminder system
Pros:
- ✅ Great for busy schedules
- ✅ Transparent pricing
- ✅ Social features for pet parents
Cons:
- ❌ Some optional features cost extra
Fetch by The Dodo – Best for Travel, Dental & Extras
If you love extras (like dental, boarding, or travel protection), Fetch has one of the most feature-rich policies out there.
Great for New Pet Parents Who:
- Travel often with their pet
- Want full dental and holistic care
- Need extensive emergency coverage
Pros:
- ✅ Covers a wide range of conditions and treatments
- ✅ Good for frequent travelers
- ✅ Solid customer service
Cons:
- ❌ Slightly more expensive than others
- ❌ Website can be a bit overwhelming
What to Look for in Pet Insurance for Puppies & Kittens
When choosing insurance for your new fur baby, make sure the plan includes:
- ✔️ Coverage for hereditary and congenital conditions
- ✔️ Reimbursement for vet visits, tests, and medications
- ✔️ Option for wellness care (especially for vaccinations and spay/neuter)
- ✔️ Fast, easy claims process
Tip: Insure your puppy or kitten before their first vet visit to avoid exclusions for future conditions.
Conclusion: Protecting Your New Pet Starts Now
Regardless of whether you have a playful puppy or a mischievous kitten, their first year is of utmost importance for obtaining proper protection. It is crucial to anticipate potential hazards, such as ingesting unusual substances or falling from elevated surfaces.
So, what’s the best pet insurance for puppies and kittens in 2025?
- Choose Lemonade for affordable, straightforward coverage
- Pick Spot if you want to build a plan your way
- Go with Embrace for excellent wellness coverage
- Try Figo if you love managing everything from your phone
- Select Fetch for the most feature-packed coverage
