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Compare the Best Dog Insurance Companies (Updated April 2024)

Comparing the best dog insurance policies can be very challenging. That’s why we’re dedicated to making the process as simple as possible. To date our users have left over 150,000 honest reviews of the top dog insurance providers in the country. We analyze these reviews to come up with an honest ranking for each provider.

Unlike some other websites, we never get paid to promote an insurance company and we never give our own opinion. The following rankings are based entirely on the experiences of real pet parents just like you. Use our handy comparison chart to find the best dog insurance for you!

US Providers

Cost per month

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Deductible

Annual deductible options from $100 – $1,000.

Age Limit

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.

Embrace Pet Insurance is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan and every policy comes standard with the industry’s only diminishing deductible feature, the Healthy Pet Deductible. Embrace also offers Wellness Rewards, an optional preventative care product that is unique to the market. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace continues to innovate and improve the pet insurance experience for pet parents across the country with personalized plans, dependable claims payments, and the MyEmbrace online customer portal.

Cost per month

$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.

Coverage

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Deductible

You can choose an annual deductible of $100, $250, $500 or $750* *Choice depends on age of the pet

Age Limit

Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.

Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.

Healthy Paws has one simple plan that covers accidents and illnesses with no maximum limits on payouts; no per incident payout caps, no annual payout caps and no lifetime payout caps. Their goal is to offer the best coverage possible while still keeping plans affordable. Healthy paws was rated the best pet insurance company by customers in 2015, 2016, 2017 and 2018 at Petinsurancereview.com, Consumersadvocate.org, Petinsurancequotes.com and other leading review sites. The simple act of getting a free pet insurance quote from Healthy Paws results in a cash donation towards a homeless pet’s medical care. They deliver that care by making cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments. If you are unable to pay your vet at the time of treatment you can contact Healthy Paws and ask them to pay your vet directly. If your vet or vet hospital is willing to accept payment from Healthy Paws they will work with your vet to speed up Healthy Paws getting access to your pet’s medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any particular network of vets.

Cost per month

Plans average $35/month for dogs and $25 /month for cats

Coverage

You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Deductible

$250, $300 and $500

Age Limit

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.

Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

Cost per month

Policies start at $10/Month

Coverage

Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, 80%, or 90% after the deductible.

Deductible

$100, $250 or $500 annually.

Age Limit

Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage for pets as they age.

Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.

Lemonade Pet Insurance is a relatively new company, but it has quickly become one of the most popular pet insurance providers in the United States. The company has been praised for its user-friendly website and app, its affordable premiums, and its quick and easy claims process. They offer Accident and illness coverage, Wellness coverage, Dental coverage, Prescription drug coverage, and Behavioral health coverage.

Cost per month

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

Coverage

Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Deductible

If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limit

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.

With Trupanion, you not only get incredibly comprehensive coverage but you also get peace of mind 24/7/365 with Trupanions customer support and preapprovals, because they know that accidents don’t happen at the most convenient of times. You can choose your deductible from $0-$1000, in $5 increments and for some plans there are no deductibles at all! Trupanion is always thinking ahead, setting the industry standard, working to make pet insurance as easy and seamless as possible for vets and pet owners. A couple examples of this are they offer no deductibles, and are able to pay the vet directly, within seconds, at time of checkout- eliminating the reimbursement process, so you’ll get full coverage without having to pay the full amount at every vet visit. They won’t ever tell you that you’ve submitted too many claims or you’ve reached your payout limit, because they offer unlimited payouts on all eligible claims. Terms and conditions apply. See your states policy at Trupanion.com for full coverage details

Cost per month

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limit

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.

Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

Cost per month

Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.

Coverage

We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement.

Deductible

Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.

Age Limit

We have no age limits, but your pet will need to be at least 8 weeks old to enroll.

Our users have raved about how easy it is to submit claims through Prudent Pet. Some have also left great reviews highlighting Prudent Pet’s direct deposit of reimbursement payments. Great customer service seems to be another main theme with this provider.

Prudent Pet works with any vet in the U.S. and is dedicated to providing pet owners with insurance that is simple, and easy to understand . We cover both accident and illnesses and have a preventive/wellness plan that can be added on to any policy at an additional cost. Filing claims is simple and can be done with a photo through our online portal.

Cost per month

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

$100, $250 or $500 annually.

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.

ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete CoverageSM plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.

Cost per month

The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.

Coverage

Reimbursement for up to 90% of vet costs.

Deductible

Customizable deductibles from $50-$500

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.

Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!

Cost per month

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

$100, $250 or $500 annually.

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.

Hartville Pet Insurance, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.

Cost per month

$5 – $90 depending on coverage options chosen.

Coverage

You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.

Deductible

Choose from $100 – $1,000 annual deductible.

Age Limit

Pets must be at least 8 weeks old to enroll with no upper age limit Coverage options available for senior pets.

Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.

Pet Partners offers three levels of pet insurance: Basic, Advanced, and Ultimate. Each level offers different levels of coverage and reimbursement rates. Pet Partners pet insurance is available to all pets, regardless of age, breed, or health history. To enroll, your pet must be spayed or neutered and up-to-date on all vaccinations.

Cost per month

Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

$100, $250, $500, $750 or $1000 annually.

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.

Spot Pet Insurance is the only pet insurance recommended by Cesar Millan. They are committed to educating pet parents about the benefits pet insurance has to offer, making more affordable animal care across the U.S. for pet parents. Their Accident & Illness plan covers accidents, injuries, illnesses, chronic conditions like cancer and more, and features simplified reimbursement based on percentage of submitted claims. Preventive Care is available at an additional cost. There is no network; bring your pet to any licensed vet in the US, emergency or specialty clinic for the attention they deserve.

Cost per month

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill.

Deductible

$50 – $1,000 annually.

Age Limit

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.

Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.

Cost per month

$5 – $90 depending on coverage options chosen.

Coverage

You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill.

Deductible

Choose from $100 – $1,000 annual deductible.

Age Limit

Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.

Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.

AKC Pet Insurance is a good option for pet owners who are looking for comprehensive coverage at a competitive price. The company offers a wide range of plans to fit different needs, and its claims process is easy to use. AKC Pet Insurance covers a wide range of medical expenses, including accidents, illnesses, and routine care. The company also has a good reputation for excellent customer service.

Cost per month

$9 to $135 on average depending on chosen plan.

Coverage

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible. The pay-out amount is based on your actual vet bill.

Deductible

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Age Limit

Must be 8 weeks or older to enroll. No upper age limits apply.

Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

Figo Pet Insurance is committed to making lives easier for pets and their people. Their cloud-based technology enables pet parents to manage the lives of their pets on-the-go through their Pet Cloud. The Pet Cloud app significantly enhances the way Figo engages with pet parents by providing an A.I. claims experience, live veterinary chat, alerts, records management and more to seamlessly manage their policy and make pet parenting a breeze.

Cost per month

Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Coverage

Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

Deductible

3 options: $100, $250, $500 and $1000

Age Limit

No upper age limits. Pets must be at least 8 weeks old to enroll.

Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.

Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Their best-in-class plan offers many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, and dental illness coverage, plus the same coverage as your pet ages. About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.

Cost per month

Varies by pet location, age, and breed

Coverage

Pet Accident and Illness coverage and offer a non-insurance wellness product.

Deductible

Deductible options vary by state and pet age. Common deductibles include $0, $100, $250, $500, and $750

Age Limit

Pet must be at least 8 weeks old or younger than 14 to purchase. No age cap on renewals.

Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

Many Pets is a pet insurance company that offers policies that cover a wide range of veterinary expenses including accidents, illnesses, and preventive care. They offer a clear and concise explanation of their policies, and they make it easy to compare different plans. They also have a team of experienced customer service representatives who are available to answer any questions you may have.

Cost per month

$9.95 to $21.95 per month depending on whether you have cats or dogs and how many.

Coverage

Pet Assure is a savings plan that offers a 25% discount on all veterinarian treatment from participating practices for in house medical services and can be used alongside Pet Health Insurance.

Deductible

No Deductible

Age Limit

No age Limits

Learn more about Pet Assure’s discount plan and read customer reviews so you can make an informed choice about how you cover veterinarian care costs.

Cost per month

Plans average $35/month for dogs and $25 /month for cats

Coverage

You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Deductible

$250, $300 and $500

Age Limit

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Users like that they can obtain a policy that offers a 90% reimbursement rate. Some also mentioned Fetch’s friendly and helpful customer service.

Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

Cost per month

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Deductible

Age-based annual deductible of $100, $150, $200, $250 or $300.

Age Limit

Dogs: 8 weeks through 10 years, 11 months Cats: 8 weeks through 12 years, 11 months Accident Only plan option can be offered regardless of upper age limits

Many users raved about how easy it is to get a quote from Spot. Quite a few people also mentioned friendly customer service and quick reimbursement payments.

Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.

Cost per month

As low as $15.50 per month for cats and $17.28 per month for dogs. Furkin is currently waiving their $35 enrollment fee.

Coverage

Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S. All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.

Deductible

As low as $100 annually

Age Limit

Pets must be at least 7 weeks and under 14 years old to enroll. Once enrolled, coverage will continue for as long as the pet remains enrolled.

Some of the things users had to say about this company are “Exceptional customer service,” “Seamless sign up,” and “Best monthly price with lowest deductible.”

Furkin Pet Insurance provides comprehensive accident and illness coverage for dogs and cats. Other than pre-existing conditions and routine/preventive care, we’re here to help you and your pet with just about all other unexpected accidents and illnesses. With Furkin, you also get sick visit exam fees, taxes, and 24/7 telehealth included, plus over $3,000 in additional pet owner support benefits each year.

Cost per month

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limit

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Many users raved about Trupanion’s direct billing. They also will pay up to 90% of the bill, depending on the plan. Users also appreciate the excellent customer service.

Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.

Cost per month

As low as $10.19 per month for cats and $15.20 per month for Dogs

Coverage

PHI Direct will cover: Alternative Therapies Anesthesia & Surgery Applicable Taxes Behavioural Therapy Dental Tooth Fracture Diagnostics Emergency Care Euthanasia Exam Fees Hospitalization Imaging – CT Scans, MRI and X-Rays Medical Devices Medical Procedures Prescription Medications Referral and Specialist Fees Parasites

Deductible

$200 Annual Deductible

Age Limit

7 Weeks Must be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled

Users appreciate the quick and easy claims process. Many mentioned the great customer service and online support.

Cost per month

Monthly costs vary based on your pet’s species, age, and location, as well as your chosen plan. Customize coverage to suit your pet’s needs and your budget.

Coverage

You have a co-pay of 10%, 20% or 30%. The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.

Deductible

$100 – $700 age-based annual deductible.

Age Limit

Pet must be at least 7 weeks old to enroll. There is no upper age limit.

Awesome customer service and prompt payments are just a couple of the reasons users are happy with this provider.

What Does Dog Insurance Cover?

Dogs are our best friends and precious family members. So when they become ill or injured, we want to be able to get them the care they need. Dog insurance is a great way to help your pup while also sparing your own savings account.

To answer that question, we’ve got to separate dog insurance plans into three categories:

Accident and Illness Plans

This is the most common type of dog insurance. An accident and illness plan covers the expenses associated with an accident or sudden illness. This means things like diagnostic tests, prescription medications, treatments, hospitalization, and surgeries will be covered under this plan.

Accident-Only Plans

Some people choose to go with an accident-only plan because they are usually cheaper than accident and illness plans. But remember, you get what you pay for. So while an accident-only plan will cover expenses related to an accident, they won’t cover the expenses associated with an illness, such as if your dog suddenly has an acute pancreatitis attack or your cat is diagnosed with cancer. Both acute (sudden) and chronic illnesses often require hospitalization, diagnostic testing and medications, so you may be looking at a bill for thousands of dollars. Just keep this in mind.

Wellness Plans

These types of dog insurance plans essentially cover preventative care. They do not, however, cover expenses related to accidents and illness. Many insurance providers will offer wellness plans as an add-on option to accident and illness insurance. There are a handful of companies that offer wellness plans as a standalone policy. Products and services covered under a wellness plan include:

What’s Not Usually Covered by Dog Insurance?

When shopping for a dog insurance plan, pay close attention to what the policy does not cover. Here are some common exclusions:

Pre-existing Conditions

What are pre-existing conditions? These refer to any health issues your dog had before you signed up with a policy. Most insurance providers do NOT cover pre-existing conditions. Some companies do have exceptions for health problems that were “cured” in the past. They will consider covering these after 180 – 365 days, depending on the specific policy.

Curable conditions may include the following:

Incurable pre-existing conditions are health issues that typically require ongoing treatment, medication and even surgery. Some examples include:

Hereditary or Congenital Conditions

Certain dog health issues are hereditary or present from birth. Examples include hip dysplasia and intervertebral disk disease. Some dog insurance policies exclude these conditions while others will cover them as long as symptoms were not present before enrollment.

Elective or Cosmetic Procedures

Those procedures such as cosmetic ear cropping or tail docking, that offer no health benefits to a dog, are typically excluded from coverage.

Breeding and Pregnancy

Most dog insurance plans exclude coverage for costs associated with breeding and pregnancy. Some do allow this coverage as an add-on.

How Does Dog Insurance Work?

Dog insurance works a bit differently than human insurance. Most plans work on a reimbursement basis. This simply means you pay the vet up front, then file a claim for reimbursement of eligible expenses. There are some dog insurance plans that pay vets directly so you’re only responsible for paying ineligible costs out of pocket.

When shopping for a dog insurance plan, you’ll want to pay close attention to the deductible, reimbursement percentage, and any annual limits. Most plans will allow you to choose what works best for your budget, so you can get a plan with an affordable monthly premium.

Like human insurance, your deductible must be met before the insurance company will issue any reimbursements. Once the deductible is met, the provider will issue payments based on the reimbursement percentage you selected, usually 65% to 90% of the costs.

It’s important to take all of this into consideration before selecting your policy. Many people focus solely on monthly premiums, but you really do get what you pay for. By choosing just a little higher of a monthly premium, you’ll find yourself needing to pay less of a deductible and receive a higher payout should an accident or illness occur. This can bring a lot of comfort and peace of mind during a very difficult time.

Waiting Periods

When someone enrolls their pup into a new dog insurance policy, there will be a waiting period before they can make any claims. These waiting periods help to prevent fraud because they make it impossible for someone to get coverage on a pre-existing condition or an accident that happened right before the policy was purchased.

Age Limits

Most dog insurance providers have put some kind of age restrictions in place. The majaority will require your pup to be at least six to eight weeks old before they are eligible to be insured. Some insurance companies have upper age limits to prevent enrollment of older pets. Many dog insurance providers on our list do NOT have any upper age restrictions, so even if you have a seniot dog, you can get excellent coverage.

Coverage

Dog insurance plans will cover all or most of the following:

What’s the Best Dog Insurance?

The best dog insurance for your pup will take many factors into consideration. There is no one-size-fits-all plan because the right one will offer your family the best coverage at the most reasonable price. This, of course, will vary depending on your dog’s breed, age, medical history and even your zip code.

To find the best dog insurance for your pup’s needs and your own budget it’s important to sit down and make a list of what matters most to you. This is where we encourage you to bring your veterinarian into the decision-making process. She can tell you what kinds of health issues your dog’s breed may be prone to. And believe it or not, certain breeds of dogs are more prone to accidents and trips to the emergency vet clinic (We’re talking to you Goldendoodles who tend to love eating socks!).

We know it can be overwhelming finding the best dog insurance for your fur baby. And that’s why we created this website! We use dog insurance reviews from real pet parents just like you to rank the best dog insurance policies on the market. So far we have over 150,000 reviews we use to rank the best providers. Based on our data, the following our the best dog insurance providers:

What’s the Best Senior Dog Insurance?

It can be incredibly difficult to watch our dogs age. Like humans, older dogs can experience many health issues such as arthritis, diabetes, and cancer. And of course, the more health issues your dog faces, the more vet bills you will be responsible for. Senior dog pet insurance is how many pup parents get their dog the care she needs without going into debt to do it. But how do you go about choosing the right pet insurance policy?

To start, we should mention that it is best to enroll your dog into an insurance plan as early as possible. When should you get pet insurance? Ideally before your pup starts to experience any health issues. Most pet insurance companies will not cover pre-existing conditions, so the earlier you purchase a policy the better.

How to Choose the Best Senior Dog Insurance

Go for Customizable Coverage

The best senior dog pet insurance will offer customizable coverage. This means you are able to choose a monthly premium that fits your budget while still getting the coverage your senior dog needs.

No Upper Age Limit

You’ll want to look for providers that have no upper age limit for enrollment. That means if you fall in love and adopt a 10-year-old senior Corgi from the local shelter, you’ll be able to insure her.

Go for an Unlimited Coverage Policy

Senior dogs tend to begin developing numerous health issues. You want a policy that will cover the most, not one that has a limit to how much they will cover each year.

Flexible Reimbursement Rates

Look for an insurance provider that offers a wide range of reimbursement rates. Some providers even have 100% reimbursement rates. This means once you reach your deductible, your vet bills will be fully reimbursed for the rest of the calendar year. Your monthly premium will be higher, but if you can afford it, a 100% reimbursement rate can be a lifesaver down the road, literally!

Look for Discounts

Senior dog pet insurance can be more expensive because older dogs are more likely to need veterinary care. Choose a provider that offers discounts to help offset your monthly premium fees. For instance, a company like Embrace offers several discounts. They provide a 15% discount for those who do not file a claim in 1 year. They will also reduce your annual deductible by $50 each year you do not file a claim.

How Much Does Senior Dog Insurance Cost?

There are a variety of factors that will influence your monthly premium. The biggest is the age of your pup. The older a dog gets, the more expensive it becomes to insure him. If you are enrolling an older dog for the first time, monthly premiums will most likely be higher than the average. For example, pulling some quick price quotes, an 11-year old medium-sized dog may cost around $100 a month to insure whereas a 3-year-old medium-sized dog may cost half that amount.

Breed is another factor that can influence monthly premiums. Certain breeds such as Boxers and German Shepherds are more prone to developing health conditions as they age.

And finally your zip code will affect the price of your monthly premium. If you and your fur baby live in a smaller, rural town you may pay less than if you both live in a large city.

The bottom line is, senior dog pet insurance will help you to pay for the costs of taking great care of your pup. And the providers on this list all offer excellent coverage.

Dog Insurance Costs – What are They Exactly?

Typically speaking, dog insurance costs more than cat insurance because dogs are usually larger, which makes them require more in the way of medications, sedation, supplies etc. during medical procedures. Since the costs are more, the insurance policies will reflect that.

Coverage premiums for a dog can range from $10 to $100 per month with average costs ranging between $30 and $50. There are a few factors that impact the premium you will pay, namely your dog’s breed, age, health history and your zip code. You will pay more for an older dog than you will a puppy simply because older dogs are more likely to face significant health issues requiring medical care. This is why it’s always a good idea to enroll your pup into a plan as early as possible so you can lock in a lower rate.

Most insurers offer accident & illness and accident only policies. Many will also offer add-ons to the plans that cover the cost of routine care, dental care, and preventative treatments and medications. Some plans pay vets directly but most will reimburse you.

How Does Breed Affect Dog Insurance Costs?

As we mentioned, premiums are significantly impacted by the breed of dog being covered. This is because there are certain dog breeds that carry a higher likelihood of developing health issues. Then there are those breeds that have less of a chance of developing health issues. These breeds usually carry lower insurance premiums.

The breeds that cost the least amount to insure, according to an analysis by LendEDU, are the:

Their data showed that the monthly premiums for these particular breeds range from $34 to $40 per month.

How to Save on Dog Insurance Costs

Many pup parents don’t realize there are ways to save on a great pet insurance policy. Here are a few:

Comparison Shop

You’ll want to take a bit of time to look at a short list of providers to see who offers the best policy. We make it incredibly easy to conduct a side-by-side comparison of multiple pet health insurers.

Be sure to read ALL of the fine print and understand everything before enrolling. If you have questions, pick up the phone and speak with a rep.

Go for a Higher Deductible

As with human insurance, your choice of deductible will impact what you pay each month. Choosing between, say, a $300 deductible and a $750 deductible can significantly decrease how much you pay in premiums each month. Choosing a lower reimbursement rate will also bring down your monthly premium. But consider how nice it will be to have 90% of your vet bill taken care of by your insurance provider instead of just 65%.

Multi-Pet Discounts

Have more than one pet? Get them all enrolled into the same company and save big on costs. Ask prospective providers if they offer multi-pet discounts. Many do and you can save 10% – 15% a month.

What is Dog Dental Insurance?

Sadly, dental disease is very common in dogs. If left untreated, dental disease can lead to more serious medical conditions such as heart, liver, and kidney disease.

While there are things you can do at home to help protect your pup’s teeth and gums, such as daily brushing, your dog will also require professional cleanings at the vet’s office. These can be quite costly, which is why dog dental insurance can be a great idea.

Do I Really Need Dog Dental Insurance?

The short answer is, most likely yes. Having an insurance plan that includes dental exams and cleanings can help you protect your dog’s health while also protecting your wallet from sudden expensive surprises.

Routine cleanings require your dog to go under general anesthesia. This is so your vet can thoroughly examine your pet’s mouth for any signs of gum disease and tooth decay. These cleanings can get quite expensive should your pup need one or more teeth pulled.

What Does Dog Dental Insurance Cover?

This really depends on the provider, which is why it is so important to read all of the fine print before signing on the dotted line. Generally speaking, an accident-only insurance plan would only cover dental accidents, like a chipped tooth.

Accident and illness plans will usually cover both dental accidents and dental illness, such as gum disease. There can be exclusions, such as dogs who had symptoms of dental disease before enrollment into the plan.

Wellness plans may or may not cover dental cleanings. Some that do may have a set amount of coverage per year. It’s a good idea to make a short list of providers you are considering, and then get on the phone with each one to find out exactly what is covered in their dog dental insurance plans.

Does Dog Insurance Cover Neutering?

Spaying and neutering is typically covered under an added-on wellness plan. This is because neutering and spaying are considered preventative care procedures that don’t fit under a traditional “accident and illness plan” or an “accident-only plan.”

The following treatments and procedures are usually covered by a wellness plan:

Find out which pet insurance companies cover neutering.

Does Dog Insurance Cover Teeth Cleaning?

As we mentioned a bit earlier, good oral hygiene is as important for your dog as it is for you! Tooth and gum disease is common in dogs. It is a condition that is not only painful, but one that can lead to more serious illnesses such as heart, liver and kidney disease.

But professional teeth cleaning can be an expensive procedure. Because dogs need to be anesthetized while having their teeth cleaned, the procedure can typically cost between $300 and $700. And that’s without any tooth extractions. If some teeth are found to be rotten and need to be pulled, your bill will go even higher.

To answer the question “does dog insurance cover teeth cleaning?” we have to say ‘yes and no.’ Most accident and illness plans will not cover teeth cleaning because it is considered preventative care. In some cases, as in your dog breaks a tooth chewing on something hard or your vet diagnoses your dog with oral cancer, those issues can be treated with an accident and illness plan.

But routine teeth cleaning would not be covered under a regular plan but instead would require a wellness plan be added on.

Does Dog Insurance Cover Spaying?

With so many stray and abandoned dogs filling shelters around the country, it’s more important than ever to have your young pup spayed or neutered. But many pup parents wonder if dog insurance covers spaying. And rightly so. The cost of spaying a young pup can range from as low as $100 all the way up to $500, depending on where in the country you live.

It should also be mentioned that spaying is a far more extensive procedure than neutering and therefore costs more.

Like neutering, however, insurance providers consider spaying an elective procedure and so most will not cover it under their typical accident and illness plan or accident-only plan. But as mentioned earlier, there are quite a few dog insurance providers that do offer add-on wellness plans that cover spaying and neutering.

Does Dog Insurance Cover Vaccines?

Vaccinations are usually covered only through a wellness plan. When your doggo gets a qualifying vaccine or titer, you can simply file a claim to get reimbursed up to the plan’s yearly limit.

As an example, you take your new puppy in for her bordatella vaccine. The total cost is $20. Your dog insurance wellness plan allows you up to $40 of vaccination reimbursements a year. You file a claim, get reimbursed for $20 and still have $20 more dollars to go toward any other vaccines or boosters.

Is pet vaccine coverage worth it?

Since vaccines are covered under a wellness plan, the real question to ask is whether it’s worth it to pay extra for wellness plan coverage. That really depends on your pet’s age and health needs. Some wellness plans cost an extra $15 a month. If you’ve brought home a new pup that will require multiple vaccines over the course of the year, plus they will need to be dewormed, spayed or neutered and microchipped, then a wellness plan can certainly make sense. For other pup parents, it might make more sense to pay for the spay surgery out of pocket.

Can I Get Multi Dog Insurance?

Not only can you, but you’ll typically save money by enrolling more than one dog or pet at the same time. But while you may enroll more than one dog at a time, each dog will have their own plan. You don’t buy one policy that covers all of the dogs or pets in your household. Though most providers make it incredibly easy to manage each plan’s coverage from one central account.

It actually works to your benefit to not have one plan for all of your pups but to rather have separate plans for each. In this way, you can have complete control over your deductible, coverage caps, reimbursement rates and monthly premiums. If you have pups of different breeds and ages and with different health issues, this can help you make the right financial decisions for your specific needs and budget.

If you’re not sure whether your short list of providers offers multi-dog discounts, get on the phone and ask them. Again, most dog insurance providers offer between 5% and 10% when you insure more than one pet through them.

The important answers to help you make an informed decision.

What is dog insurance?

Dog insurance is similar to human health insurance. It covers your dog’s veterinary bills in case of illness or injury. It can also cover things like pet wellness visits, dog dental cleanings, vaccinations, and the cost of spay/neuter procedures.

The most comprehensive plans cover everything from checkups to accidents and illness. Basic plans only cover accidents and unexpected injury or illness.

It’s essential to find a dog insurance plan that works for you and your pet so that your pet will always be cared for.

Are pre-existing conditions covered?

Most dog insurance providers won’t cover pre-existing conditions in any basic plan. Your insurance policy is unlikely to cover treatment related to these known conditions.

Some providers will include these pre-existing conditions on the higher-priced plans. A recurring health problem or a condition, such as diabetes or cancer, will typically be classified as a pre-existing condition by your insurer.

Because most pet insurance companies don’t cover pre-existing conditions, it’s important to take out dog insurance for your pup while they’re still young. Most dog insurance companies will enroll pets as young as six weeks old.

How are dog insurance costs determined?

Dog insurance costs are determined by multiple factors including your dog’s age, breed, health history and your zip code. You can quickly and easily get a customized quote from multiple providers.

How do I buy a dog insurance plan?

It all starts with doing some research to understand what a provider offers in terms of coverage and how much they charge for that coverage. You can do that research the hard way, by searching the Internet for information and creating your own comparison chart, or you can use our handy comparison chart to make the right pet insurance decision for you and your pup.

Is dog insurance worth it?

That’s a fairly easy question to answer. Simply ask yourself if tonight, your dog needed to be rushed to the emergency clinic because she was vomiting and listless, and it turned out she needed an operation to save her life and to be hospitalized for two days, and the total bill came to $8,000, would you be able to pay this bill or would you have to tap into your savings or worse, go into debt to save your pup’s life?

For most people, a dog insurance plan is completely worth the low monthly premium to get peace of mind.

Can I visit any vet?

Yes, a dog insurance plan allows you to visit any licensed vet or emergency clinic in the United States. This is great because it means even if you are on vacation with your pup, your insurance will work as long as the vet or clinic is licensed.

What is the best age to insure my dog?

When should you get pet insurance? As soon as possible. Young puppies can have sudden accidents and illnesses just like older dogs. Young pups are also cheaper to insure, so it really does benefit you to enroll your pup as soon as you bring her home!

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