Best Dog Insurance Companies & Plans
Take a look at the best dog insurance companies in the US. They offer great plans with all the coverage the dog may need. We looked at many different insurance options and found the 15 best dog insurance companies.
Overall Rating 4.6 / 5
Embrace Dog Insurance
Embrace offers specialized dog insurance plans that are affordable and comprehensive. They are a leading choice thanks to their Wellness Rewards program and senior dog-friendly policies. The plans can be tailored to fit different budgets and dog-specific needs, with options for deductibles, reimbursement levels, and coverage caps. Embrace is known for its great customer service and quick claims processing.
- Average monthly cost for dogs – $35
- Maximum annual coverage – Unlimited
- Deductible – $100 to $1,000
- Max age limit – 14 years
Overall Rating 4.5 / 5
Spot Dog Insurance
Spot’s dog insurance plans cover many canine health needs, including accidents, illnesses, and preventive care. Their Gold and Platinum plans even include alternative therapy options. Spot is a top choice for dogs of any age. The company is proud to offer flexible policies, hassle-free claims processing, and excellent customer support, guaranteeing your dog’s health and satisfaction.
- Average monthly cost for dogs – $54
- Maximum annual coverage – Unlimited
- Deductible – $100, $250, $500, $750, and $1,000
- Max age limit – No limit
Overall Rating 4.5 / 5
FIGO Dog Insurance
FIGO’s dog insurance plans fit various needs, providing full coverage that includes chronic and hereditary conditions. The Figo Pet Cloud app makes filing claims and managing your policy easy.
FIGO is a top contender for flexible, tech-savvy dog insurance. It offers options for 100% reimbursement and no age limit for enrollment.
- Average monthly cost for dogs – $29
- Maximum annual coverage – $5,000 to unlimited
- Deductible – $100 to $750
- Max age limit – No limit
Overall Rating 4.4 / 5
Fetch Dog Insurance
Fetch provides a one-stop solution for dog insurance, including accidents and holistic treatments. Their policy allows visits to any licensed vet across the US and Canada. Focusing on customizability and user-friendly digital platforms, Fetch gives you the convenience and comprehensive coverage you need.
- Average monthly cost for dogs – $35
- Maximum annual coverage – $15,000
- Deductible – $250 to $500
- Max age limit – No limit
Overall Rating 4.3 / 5
Pets Best Dog Insurance
Pets Best are experts in accident and illness coverage, including options for senior dogs.
With flexible policy customization, easy claims processing, and helpful customer service, Pets Best makes focusing on your dog’s well-being simple.
- Average monthly cost for dogs – $30
- Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
- Deductible – $50 to $1,000
- Max age limit – No limit
Overall Rating 4.3 / 5
Trupanion Dog Insurance
Trupanion’s dog-specific insurance plan is a solid choice for those looking for coverage that includes direct vet payments and no payout limits, perfect for managing chronic conditions. The plan covers accidents, illnesses, and hereditary issues, with 90% reimbursement in most states. Trupanion provides straightforward and comprehensive care for dogs, with 24/7 support, but doesn’t include wellness or preventive care.
- Average monthly cost for dogs – $70
- Maximum annual coverage – Unlimited
- Deductible – $0 to $1,000
- Max age limit – 14 years
Overall Rating 4.2 / 5
Lemonade Dog Insurance
Lemonade brings a new approach to dog insurance, combining cutting-edge technology with affordable plans. Their coverage includes basic accident and illness protection and optional wellness benefits. Lemonade is known for its socially responsible model and quick claims process via an app.
Dog owners can customize their plans, including preventive care options, so it’s a great choice for tech-savvy pet parents.
- Average monthly cost for dogs – $31
- Maximum annual coverage – $100,000
- Deductible – $100, $250, $500
- Max age limit – 14 years
Overall Rating 4.2 / 5
Pumpkin Pet Health Insurance
Pumpkin Pet Insurance covers dental, behavioral, hereditary and some pre-existing conditions. The plan covers accidents and illnesses and offers unique benefits, like alternative therapies and prescription food supplements. Pumpkin has customizable deductibles and a uniform 90% reimbursement rate, so it can fit into a variety of budgets. The absence of upper age limits and a preventive care add-on further underscore its commitment to holistic, proactive pet wellness for all life stages.
- Average monthly cost for dogs – $109
- Average monthly cost for cats – $61
- Maximum annual coverage – Unlimited
- Deductible – $100, $250, $500, or $1,000
- Max age limit – No limit
Overall Rating 4.2 / 5
Healthy Paws Dog Insurance
Pumpkin offers a complete plan for dogs that goes beyond the standard coverage, including dental and behavioral treatments and some pre-existing conditions. They also offer coverage for alternative therapies and prescription food supplements, which is unique. With a 90% reimbursement rate and no upper age limits, Pumpkin is great for various budgets and needs.
- Average monthly cost for dogs – $72
- Maximum annual coverage – $5,000
- Deductible – $250 or $500 (under 6 years), $500-$1,000 (6 years and older)
- Max age limit – No limit
Overall Rating 4.0 / 5
ASPCA Dog Insurance
In partnership with Crum and Forster, the ASPCA’s dog insurance offers plans to customize and cover a wide range of canine health needs, including vet exam fees and microchipping. The plans are flexible in terms of deductibles and coverage limits, and they offer a 10% discount for multiple pets. With a 24/7 telehealth line and the freedom to visit any licensed vet, the ASPCA’s dog insurance fully supports your furry friend.
- Average monthly cost for dogs – $36
- Maximum annual coverage – $10,000
- Deductible – $100 to $500
- Max age limit – No limit
Overall Rating 4.0 / 5
Metlife Dog Insurance
Metlife provides customizable dog insurance options for accidents, illnesses, and alternative treatments. With a long history in the insurance industry, Metlife gives dog owners affordable, flexible options. Their focus on a smooth insurance experience combines efficient claims processing with responsive customer support.
- Average monthly cost for dogs – $30
- Maximum annual coverage – $10,000
- Deductible – $50 to $2,500
- Max age limit – No limit
Overall Rating 4.0 / 5
ManyPets Dog Insurance
ManyPets is one of the few pet insurance companies that covers pre-existing conditions, which is pretty unusual in the industry. With competitive pricing and customer-friendly policies, ManyPets offers quick claims processing and doesn’t increase premiums after a claim. This makes it a good option for pet owners seeking comprehensive, hassle-free dog insurance.
- Average monthly cost for dogs – $30
- Maximum annual coverage – Unlimited
- Deductible – $250, $500
- Max age limit – No limit
Overall Rating 3.9 / 5
Wagmo Dog Insurance
Wagmo offers a mix of traditional accident and illness coverage and new dog wellness plans that tackle various pet care needs. Their wellness plans make preventive care easier and more affordable. Since they offer flexibility in policy customization, Wagmo ensures a user-friendly insurance experience with strong customer support.
- Average monthly cost for dogs – $49
- Maximum annual coverage – up to $20,000*
- Deductible – $250, $500, $1,000
- Max age limit – No limit
Overall Rating 3.8 / 5
Prudent Dog Insurance
Prudent Pet provides comprehensive, customizable dog insurance with a variety of plans, including accident-only options. Known for its flexibility and customer-centric approach, Prudent Pet lets pet owners customize policies to fit their needs. With competitive pricing and a simple claims process, it’s a great option for affordable and hassle-free dog insurance.
- Average monthly cost for dogs – $45
- Average monthly cost for cats – $40
- Maximum annual coverage – $5,000 or unlimited
- Deductible – $50, $100, $200, $250, $500 or $1000
- Max age limit – No limit
Overall Rating 3.8 / 5
Hartville Pet Health Insurance
Hartville provides customizable dog insurance plans that are affordable and versatile. Plans are available to suit different budgets and needs, covering accidents, illnesses, and preventive care. At Hartville, the claims process is simple, and the customer service team is dedicated to supporting the clients in managing their dog’s health.
- Average monthly cost for dogs – $49
- Maximum annual coverage – $10,000
- Deductible – $100, $250 or $500
- Max age limit – No limit
What is Dog Insurance?
Dog insurance is a type of best pet insurance companies & plans that cover medical expenses related to a dog’s health, such as accidents, illnesses, surgeries, and sometimes routine care. The dog’s owner pays the monthly premium, and the insurance helps to offset the cost of veterinary treatments, making healthcare more affordable for pets.
Here is how dog insurance works:
Dog insurance works in a similar way to human health insurance, providing financial coverage for your dog’s medical expenses.
Dog insurance can help cover some of the costs if your dog needs to see a vet for:
- routine check-up
- emergency
- ongoing health issues
You usually pay the vet directly and then submit a claim to the insurance provider, who reimburses you based on your plan’s coverage. The details of dog insurance include paying a monthly or annual premium for your chosen plan, which determines how much coverage you get.
How to Choose the Best Dog Insurance Company
Here are each company’s key features to help you find the best dog insurance company for your needs:
| Insurance Company | Coverage Highlights | Tech Features | Best For | Monthly Cost |
|---|---|---|---|---|
| FIGO | Covers chronic conditions | Pet Cloud app | Tech-savvy owners | $29 |
| ManyPets | Covers pre-existing conditions | No waiting periods for policy changes | Pre-existing conditions, hassle-free changes | $30 |
| Metlife | Accidents, illnesses, hereditary conditions | Efficient claims process | Comprehensive coverage seekers | $30 |
| Pets Best | Flexible customization, senior options | Easy claims process | Senior dogs | $30 |
| Lemonade | Affordable, tech-driven, wellness options | Quick app-based claims | Tech-savvy, budget-conscious | $31 |
| Embrace | Comprehensive, senior dog focus | Quick claims | Senior dogs | $35 |
| Fetch | Holistic care, comprehensive | User-friendly digital platforms | Comprehensive care seekers | $35 |
| ASPCA | Customizable, covers microchipping | 24/7 telehealth line | Variety of needs, multi-pet households | $36 |
| Spot | Includes preventive care, no age limit | Flexible policies | All ages | $54 |
| Prudent Pet | Comprehensive, customizable, accident-only options | Customer-centric, flexible policies | Customized coverage needs | $45 |
| Wagmo | Accident and illness coverage, wellness plans | Flexible policy customization | Preventive care focus | $49 |
| Hartville | Accidents, illnesses, preventive care | Simple claims process | Budget-conscious, versatile needs | $49 |
| Healthy Paws | Simple, no annual limits | Mobile app, direct vet payments | Simple, straightforward needs | $72 |
| Trupanion | Direct vet payments, no limits | 24/7 support | Chronic conditions | $70 |
| Pumpkin | Comprehensive, includes unique benefits | 90% reimbursement | Holistic, proactive care | $109 |
Why Dog Insurance is a Smart Choice
Dog insurance is a smart move for pet owners. It protects you financially against unexpected vet bills and makes sure your dog gets the best care possible. Here are 6 reasons to get the dog insurance:
- Emergency Financial Relief. Dog insurance helps you manage the costs of unexpected veterinary emergencies, which can be a huge relief when you’re facing a critical moment.
- Access to Quality Care. It gives you access to top-notch healthcare, including special treatments and surgeries, so you can get the best care for your dog without worrying about high costs.
- Customized Coverage. You can tailor your policy to fit your dog’s specific needs and your budget. There are various levels of coverage and deductible options to choose from.
- Peace of Mind. Knowing that you can always afford the medical care your dog needs allows you to make health decisions for your dog without worrying about the cost.
- Encourages Regular Health Checks. With coverage for routine care and preventive measures, dog insurance encourages owners to take their dogs in for regular check-ups to treat any health issues quickly.
- Support for Chronic Conditions. This is especially helpful for dogs with long-term health issues, making ongoing treatments more affordable.
Why Trust American Paws Club
American Paws Club (APC) is a trusted source for finding the best dog insurance company and plan. We have expert-backed content, comprehensive reviews, and a strong focus on pet health and safety. All the info is checked regularly by vets, so you know it’s accurate and reliable.
Frequently Asked Questions❓🙋
What types of dog insurance policies are available?
Common types include accident-only, comprehensive, and wellness coverage, each offering different levels of protection for dogs.
Is dog insurance worth the investment?
Considering the potential high costs of veterinary care for dogs, especially in cases of emergencies or chronic conditions, dog insurance can be a valuable investment. It helps mitigate unexpected expenses, making it easier to provide the best possible care for your canine companion.
What are common exclusions in dog insurance policies?
Common exclusions in dog insurance policies can include pre-existing conditions, routine and preventive care (unless specified), breeding costs, and certain hereditary conditions. It’s important to thoroughly review a policy’s exclusions before purchasing.
How quickly can I get reimbursement after filing a claim for my dog?
The speed of reimbursement varies by insurer but typically, once a claim is filed and approved, reimbursement can be expected within a few days to a few weeks. Some companies offer direct deposit, speeding up the process.
How does a deductible work?
The deductible in dog insurance is the amount you’re responsible for paying out-of-pocket before your insurance coverage kicks in. This can be an annual or per-incident deductible, depending on the policy.
Can I choose my own veterinarian with dog insurance?
Most dog insurance policies allow you to choose any licensed veterinarian. Unlike human health insurance, there are usually no network restrictions.
Is there a waiting period before my dog insurance becomes effective?
Yes, most dog insurance policies have a waiting period, which is the time between the start of the policy and when coverage begins. This period can vary based on the insurer and the type of coverage.
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