Pet Disability Insurance Market Report 2026

The pet disability insurance market size has grown rapidly in recent years. It will grow from $4.43 billion in 2025 to $5.13 billion in 2026 at a compound annual growth rate (CAGR) of 15.8%. The growth in the historic period can be attributed to increasing awareness of pet disability risks, rising veterinary rehabilitation services, growing pet longevity rates, expansion of advanced treatment options, increasing expenditure on pet healthcare.

The pet disability insurance market size is expected to see rapid growth in the next few years. It will grow to $9.19 billion in 2030 at a compound annual growth rate (CAGR) of 15.7%. The growth in the forecast period can be attributed to increasing demand for lifelong disability coverage, rising adoption of tele-veterinary assessments, expansion of personalized insurance plans, growing focus on post-treatment care, increasing integration with rehabilitation service providers. Major trends in the forecast period include increasing adoption of comprehensive disability coverage, rising demand for rehabilitation and mobility support benefits, growing use of digital claims and assessment tools, expansion of flexible policy structures, enhanced focus on long-term care coverage.

The rising demand for specialized pet care is expected to drive growth in the pet disability insurance market. Specialized pet care involves advanced or customized health and wellness services designed to address specific medical, physical, or behavioral needs of pets beyond standard checkups. This demand is increasing due to the stronger emotional bonds between pet owners and their pets, which encourages greater investment in advanced medical treatments. Pet disability insurance supports specialized pet care by covering the high costs of treatments and rehabilitation, ensuring pets receive expert care without placing financial burdens on their owners. For example, according to the American Veterinary Medical Association, a US-based nonprofit, about 6.4 million pets in the U.S. were insured in 2024, up from 5.7 million in 2023, with dogs representing 75.6% and cats 23.5% of the insured population. Thus, the growing need for specialized pet care is fueling the expansion of the pet disability insurance market.

The rising pet ownership is expected to drive the growth of the pet disability insurance market in the coming years. Pet ownership refers to the number of households that have at least one pet, reflecting consumer interest in pet care, companionship trends, and disposable income allocated for pets. The increase in pet ownership signals greater awareness of pet health needs, higher spending on veterinary care, and a growing demand for insurance solutions, which fuels the need for pet disability coverage. For example, in March 2025, according to the American Pet Products Association, a US-based trade association, 94 million U.S. households owned at least one pet, up from 82 million in 2023. Therefore, the rising pet ownership is driving the growth of the pet disability insurance market.

In April 2024, Independence Pet Holdings, Inc., a US-based holding company, acquired Pets Best Insurance Services, LLC, for an undisclosed sum. This acquisition aims to expand Independence Pet Holdings’ presence in the North American pet insurance market by adding Pets Best to its portfolio, enhancing its multi-brand strategy, and strengthening its capacity to offer customized insurance products. Pets Best Insurance Services, LLC is a US-based provider of pet health insurance covering dogs and cats with accident, illness, and wellness plans.

Major companies operating in the pet disability insurance market are Trupanion Inc., Anicom Holdings Inc., Lemonade Inc., Embrace Pet Insurance Agency LLC, Fetch Inc., PetPartners Inc., ManyPets Inc., Petplan Pet Insurance, Oneplan Pet Insurance, ASPCA Pet Health Insurance, Healthy Paws Pet Insurance LLC, Figo Pet Insurance LLC, Pumpkin Insurance Services Inc., Prudent Pet Insurance Agency LLC, American Kennel Club Pet Insurance, Animalia Pet Insurance, Spot Pet Insurance Services LLC, Hartville Pet Insurance, PetFirst Healthcare Inc., Pets Best Insurance Services LLC, Companion Protect LLC, Pawp Inc., Pet Assure LLC.

North America was the largest region in the pet disability insurance market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the pet disability insurance market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the pet disability insurance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The pet disability insurance market includes revenues earned by entities through specialist consultations, chronic condition management, emergency and specialist care and telehealth services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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