Best Dog Insurance Companies & Plans

Explore top-tier dog insurance companies in the US, offering exceptional plans for comprehensive coverage tailored to your dog.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Dog Insurance

Embrace offers specialized dog insurance plans that combine affordability with comprehensive coverage. Their Wellness Rewards program and senior dog-friendly policies make them a standout choice. Customization options for deductibles, reimbursement levels, and coverage caps ensure a plan that fits your budget and your dog’s needs. Embrace excels in customer service and efficient claims processing, emphasizing your dog’s health and your peace of mind.

  • Average monthly cost for dogs – $35
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Dog Insurance

Spot’s dog insurance plans cover a broad spectrum of canine health needs, including accidents, illnesses, and preventative care. Their Gold and Platinum plans even include alternative therapy options. With no age limits, Spot is an excellent choice for dogs at any life stage. The company prides itself on adaptable policies, seamless claim handling, and robust customer support, ensuring your dog’s health and your satisfaction.

  • Average monthly cost for dogs – $54
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Dog Insurance

FIGO’s dog insurance plans are tailored to meet diverse needs, offering comprehensive coverage that includes chronic and hereditary conditions. Their standout feature is the Figo Pet Cloud app, which simplifies claims and policy management. With options for 100% reimbursement and no age limit for enrollment, FIGO is a top contender for flexible, tech-savvy dog insurance.

  • Average monthly cost for dogs – $29
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Dog Insurance

Fetch provides a one-stop solution for dog insurance, covering everything from accidents to holistic treatments. Their policy allows visits to any licensed vet across the US and Canada. With a focus on customizability and user-friendly digital platforms, Fetch makes managing your dog’s health care convenient and comprehensive.

  • Average monthly cost for dogs – $35
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Dog Insurance

Pets Best excels in offering a variety of dog insurance plans at competitive rates. They specialize in coverage for accidents and illnesses, including senior dog-friendly options. With flexible policy customization, smooth claims processing, and attentive customer service, Pets Best ensures a hassle-free experience focused on your dog’s well-being.

  • 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

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Dog Insurance

Trupanion stands out with its dog-specific insurance plan that offers direct vet payments and no payout limits, an ideal solution for chronic conditions. Their plan covers accidents, illnesses, and hereditary issues, with 90% reimbursement in most states. Trupanion is dedicated to uncomplicated and thorough care for dogs, with 24/7 support, but does not 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

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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Dog Insurance

Lemonade redefines dog insurance by integrating modern technology with affordable plans. Their coverage includes base accident and illness protection with optional wellness benefits. Renowned for its socially responsible model and swift claims process via an app, Lemonade allows dog owners to tailor their plans, including preventive care options, making it an excellent 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

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Insurance provides comprehensive coverage, including dental, behavioral, hereditary conditions, and some pre-existing conditions. Its inclusive accident and illness plan offers unique benefits like alternative therapies and prescription food supplements. With customizable deductibles and a uniform 90% reimbursement rate, Pumpkin caters to various 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

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Dog Insurance

Pumpkin offers a comprehensive plan for dogs that goes beyond the standard, covering dental and behavioral treatments and even some pre-existing conditions. Their unique benefits include coverage for alternative therapies and prescription food supplements. With a 90% reimbursement rate and no upper age limits, Pumpkin caters to a wide range of budgets and needs, emphasizing proactive and holistic dog wellness.

  • 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

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Dog Insurance

ASPCA’s dog insurance, in partnership with Crum and Forster, offers plans that are customizable and cover a wide range of canine health needs, including vet exam fees and microchipping. They provide flexible deductibles, coverage limits, and a 10% discount for multiple pets. With a 24/7 telehealth line and the freedom to visit any licensed vet, ASPCA’s dog insurance supports comprehensive wellness for your furry friend.

  • Average monthly cost for dogs – $36
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Dog Insurance

Metlife offers tailored dog insurance solutions for accidents, illnesses, and alternative treatments. With its legacy in the insurance industry, Metlife provides affordable, flexible plans for dog owners. Their focus on a smooth insurance experience combines efficient claims processing with responsive customer support, ensuring your dog’s health and peace of mind.

  • Average monthly cost for dogs – Β $30
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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Many Pets Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ManyPets Dog Insurance

ManyPets stands out in the dog insurance market by covering pre-existing conditions, a rarity in pet insurance. With competitive pricing and customer-friendly policies, ManyPets offers quick claims processing and doesn’t increase premiums after a claim. This makes it a valuable choice 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

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Dog Insurance

Wagmo combines traditional accident and illness coverage with innovative dog wellness plans, addressing a range of pet care needs. Their wellness plans make preventive care more accessible and affordable. Offering flexibility in policy customization, Wagmo ensures a user-friendly insurance experience with strong customer support, focusing on your dog’s health and happiness.

  • Average monthly cost for dogs – $49
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

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 allows pet owners to tailor policies to their needs. With competitive pricing and a straightforward claims process, it’s a solid choice for accessible and stress-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

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville offers customizable dog insurance plans with a focus on affordability and versatility. Catering to various budgets and needs, their plans cover accidents, illnesses, and preventive care. Hartville’s commitment to a user-friendly claims process and dedicated customer service ensures a supportive experience in managing your dog’s health.

  • Average monthly cost for dogs – $49
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

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What is Dog Insurance?

Pet insurance is a specialized type of insurance policy designed specifically for pets, which functions similarly to health insurance for humans. It is designed to mitigate the financial impact of unexpected veterinary costs arising from your pet’s illnesses, injuries, and other health-related issues.

Purpose of Dog Insurance

The primary goal of dog insurance is to prepare dog owners for their pet’s healthcare needs financially. Veterinary treatments, especially those involving emergencies, chronic conditions, surgeries, or ongoing treatments, can be quite expensive. Dog insurance helps offset a significant portion of these costs, easing the financial strain on pet owners.

Why Dog Insurance is a Smart Choice

Dog insurance is a wise decision for pet owners, offering financial protection against unexpected veterinary bills and ensuring the best care for your dog’s health and well-being.

  • Emergency Financial Relief: Dog insurance helps manage the costs of unexpected veterinary emergencies, reducing financial stress during critical moments.
  • Access to Quality Care: Enables access to high-quality healthcare, including specialized treatments and surgeries, ensuring the best care for your dog without the constraint of high costs.
  • Customized Coverage: Tailor your policy to fit your dog’s specific needs and your budget, choosing from various levels of coverage and deductible options.
  • Peace of Mind: Provides reassurance that you can always afford necessary medical care, making health decisions for your dog easier and less financially driven.
  • Encourages Regular Health Checks: With coverage for routine care and preventive measures, dog insurance promotes regular vet visits for early detection and treatment of health issues.
  • Support for Chronic Conditions: Particularly beneficial for dogs with long-term health conditions, ensuring ongoing treatments are more affordable over your dog’s lifetime.

How Does Dog Insurance Work?

Dog insurance operates similarly to human health insurance, offering financial coverage for your dog’s medical expenses. When your dog requires veterinary care, whether for routine check-ups, emergency treatments, or ongoing health issues, dog insurance can help cover a portion of these costs.

You typically pay the vet directly and then submit a claim to the insurance provider, who reimburses you based on your plan’s coverage. The specifics of dog insurance include paying a monthly or annual premium for your chosen plan, which determines the extent of coverage. Policies vary in terms of deductibles, reimbursement rates, and coverage limits.

Choosing the Right Dog Insurance Company

Selecting the right dog insurance company involves:

  • Assessing Your Dog’s Needs: Consider your dog’s health risks based on breed, age, and pre-existing conditions.
  • Company Research and Comparison: Research insurers for their reputation and customer satisfaction. Compare policy details, including coverage, exclusions, and limitations.
  • Understanding Policy Details and Costs: Be aware of each policy’s inclusions, exclusions, and costs. Consider deductibles, co-pays, and available discounts.
  • Flexibility and Support: Check for policy customization options, the insurer’s customer support quality, and any additional benefits offered.
  • Making an Informed Decision: Consider trial periods and choose a plan that balances your current needs with long-term care for your dog.

Frequently Asked Questionsβ“πŸ™‹

What is dog insurance and why is it important?

Dog insurance covers the cost of veterinary care, ensuring dogs can receive necessary treatments without causing financial hardship for their owners.

How does dog insurance work?

Similar to human health insurance, dog insurance involves paying a premium for coverage, which then helps pay for eligible veterinary expenses.

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.