Comparing Puppy & Dog Insurance Plans

Comparing Puppy & Dog Insurance Plans

Find & Compare the Top Pet Insurance Companies

The best dog insurance plan is custom to your pet

By purchasing dog insurance, you promise the best healthcare for your dog. 

Things to consider when searching for a health insurance plan for your dog:

What is the cost of available dog insurance options?
Factors like breed and age will determine deductibles and monthly premium offers. When it comes time to enroll in a pet plan, you need to ensure the pet insurance plan provides adequate coverage at an affordable price. 

What do you want your plan to cover?
You should consider if you want a plan for emergencies, or do you want coverage for routine care included? It’s also important to look into pet insurers with the best pet health care network; this will ensure your pet is covered by nearly every licensed veterinarian, depending on what policy you opt for. 

What are other pet owners saying about the provider?
We recommend choosing pet insurance companies that provide excellent customer service and clear cost information that you understand. 

Here are the top pet insurance companies based on reviews from pet parents just like you!

PetInsuranceReview US Insurers

  • PetInsuranceReviewUS Insurers
  • PetInsuranceReviewUS Discount and Pet Health Protection Providers
  • PetInsuranceReviewCanadian Insurers
  • Insurer
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 9.8
    610
    $100, $250 or $500 annually
    At least 8 weeks old to enroll

    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.

  • 9.8
    112
    $250, $300 or $500 annually
    At least 6 weeks old to enroll

    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.

  • 9.7
    49836
    $0 to $1,000 per condition
    Can enroll pets from birth

    Cost per month

    Your monthly rate is determined by multiple factors, including your pet’s species, breed, age at the time of enrollment, and gender. Other factors include what deductible amount, if any, you choose and the average cost of veterinary care in your area.  

    Coverage

    The Trupanion policy pays 90% of the bill for all covered expenses once your deductible is met. Plus, we cover: Hereditary conditions (like hip dysplasia, diabetes, etc.) Congenital conditions (like heart disease, cataracts, or liver disease) Unidentified conditions (like vomiting or diarrhea, cough, sudden weight changes, etc.) and the diagnostic tests needed to identify them We also offer a Recovery and Complementary Care rider to expand your policy to include additional treatments like: Acupuncture Chiropractic Care Hydrotherapy Physical Therapy And many more

    Deductible

    Customize your deductible to fit your budget, from $0 to $1,000. You can choose to lower your deductible within the first 30 days of enrollment, or increase it at any time. Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is paid, it stays paid. Forever.  

    Age Limit

    All cats and dogs under the age of 14 can enroll. Birthdays are for celebrating; so unlike other providers, we don’t factor getting older into your pet’s rate. If you enroll your cat or dog at 6 weeks, they’ll always be 6 weeks—and priced like a 6 week old—in our eyes.  

  • 9.7
    7010
    $250, $500 or $750 annually
    At least 8 weeks old to enroll

    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.

  • 9.7
    134
    $100, $250, $500, $750 or $1000 annually
    At least 8 weeks old to enroll

    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.

  • 9.7
    124
    $100, $250 or $500 annually
    At least 8 weeks old to enroll

    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.

  • 9.5
    21346
    $0 to $1,000 annually
    No age restriction to enroll

    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.

  • 9.3
    10223
    $100 – $1,000 annually
    At least 6 weeks old to enroll

    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.

  • 9.3
    153
    $100, $250 or $500 annually
    At least 8 weeks old to enroll

    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.

  • 9.2
    98
    $100 – $1,000 annually
    At least 8 weeks old to enroll

    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.

  • 9.1
    5591
    $100, $250 or $500 annually
    At least 8 weeks old to enroll

    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.

  • 9.1
    86
    $100, $250 or $500 annually
    At least 8 weeks old to enroll

    Cost per month

    $12 – $80, depending on your chosen plan.

    Coverage

    Select either the Accidents Only Coverage or Total Coverage plan. Both plans have annual limit options of $2,500, $3,000, $4000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. You can also select a Reimbursement percentage of 70%, 80% or 90% and an Annual Deductible of either $100, $250 or $500. The Total Coverage plan covers accidents and illnesses, hereditary and congenital conditions. Behavioral Treatments, as well as Alternative Therapies are covered. The Accident Only Plan does have allowances for Alternative therapies. Both plans offer a Wellness plan as an extra option.

    Deductible

    $100, $250 or $500 annually.

    Age Limit

    Pets must be at least 8 weeks old to enroll. There is no upper age limit.

  • 9
    46
    $100, $250 or $500 annually
    At least 8 weeks old to enroll

    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, and $500

    Age Limit

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

  • 8.9
    7004
    $50 – $1,000 annually
    At least 7 weeks old to enroll

    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.

  • 8.8
    879
    $100 – $1,000 annually
    At least 8 weeks old to enroll

    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.

  • 8.7
    582
    $100, $250, $500, $750, $1,000 or $1,500 annually
    At least 8 weeks old to enroll

    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.

  • 7.8
    1418
    $50 – $500 annually
    At least 8 weeks old to enroll

    Cost per month

    $16 – $100, depending on your chosen plan.

    Coverage

    You have a co-pay of 10% – 30% after your deductible. The pay-out amount is based on your actual vet bill.

    Deductible

    $50 – $500 per incident.

    Age Limit

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

  • 6.8
    1174
    $100 – $1,000 annually
    At least 8 weeks old to enroll

    Cost per month

    $11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.  

    Coverage

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

    Deductible

    $100 – $1,000 annually.  

    Age Limit

    Pet must be at least 8 weeks old to enroll. Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.  

  • Insurer
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 9.4
    9
    No Deductible
    No age Limits

    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

  • Insurer
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 10
    3
    Aged based annually
    At least 7 weeks old to enroll

    Cost per month

    As low as $15.50 per month for cats and $17.28 per month for Dogs

    Coverage

    Furkin 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

    Aged based annual deductible. See Furkin Policy Document for full details.

    Age Limit

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

  • 9.8
    112
    $250, $300 or $500 annually
    At least 6 weeks old to enroll

    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.

  • 9.7
    6
    $200 annually
    At least 7 weeks old to enroll

    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

  • 9.4
    23495
    $0 – $1000 per condition
    Can enroll pets from birth

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip code. Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.  

    Coverage

    90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice. Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods. Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and Complementary Care Rider. Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 seconds. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest. Needs* varies by state disclaimer.  

    Deductible

    Offers a flexible deductible from $0 – $1000, to fit any budget. A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet’s life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

    Age Limit

    Pet must be at least 8 weeks old and under 14 years old to enroll. Once enrolled, pets stay insured regardless of age and coverage will not change. Can enroll your pet from birth until their 14th birthday.  

  • 7.9
    493
    $100 – $700 annually
    At least 7 weeks old to enroll

    Cost per month

    $19 – $89, depending on your chosen plan.

    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.

  • 6.8
    1174
    $100 – $1,000 annually
    At least 8 weeks old to enroll

    Cost per month

    $11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.  

    Coverage

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

    Deductible

    $100 – $1,000 annually.  

    Age Limit

    Pet must be at least 8 weeks old to enroll. Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.  

  • 4.4
    223
    $100 – $500 annually
    At least 8 weeks old to enroll

    Cost per month

    Premiums will vary depending on your plan choice, breed and location.

    Coverage

    Choose between 4 levels of cover for Accident, Illness and Dental treatment. Secure 1 offers $1,000 per Accident cover, $1,000 Illness cover per condition, per year and $200 Dental cover. Secure 2 offers $2,500 per Accident cover, $2,500 per condition, per year Illness cover and $300 Dental cover. Secure 3 offers $5000 per Accident cover, $5,000 per condition per year cover and $400 Dental cover. Secure 4 offers unlimited cover for Accidents and Illness and $600 per year Dental cover, and Wellness cover. Plans offer 80% coverage (20% co-insurance) after annual deductible satisfied.  

    Deductible

    Annual- Age Based Deductibles Deductible A $100 – $500 Deductible B $200 – $700 *Secure 4 with Wellness Care Deductible A $250 -$500 Deductible B $300 – $700  

    Age Limit

    Pet must be at least 8 weeks old to enroll. No age limit  

FAQ

The important answers to help you make an informed decision.

faq

What does dog insurance cover?

Pet health 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 pet insurance plan that works for you and your pet so that your pet will always be cared for.

How much does dog insurance cost?

Choosing the best pet insurance plan isn’t about finding the cheapest option. It’s all about finding the coverage that best meets your needs and budget; without sacrificing your dog’s health.

The cost of dog insurance will vary depending on what is included in your individualized policy. The coverage included in plans can range from basic accident and illness coverage to complete nose-to-tail protection.

Most insurers offer varying co-payment and deductible options, and the age and breed of your pet and where you live can also affect your pet insurance premiums. It is important to compare a range of insurers to find a policy that best suits your individual needs and budget.

What are pre-existing conditions, and are they 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 health insurance for your pet while they’re still young. Most pet insurance companies will enroll pets as young as six weeks old.

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