Dog insurance provides you with the peace of mind that your pet is protected should the unexpected happen.
Should your dog need emergency veterinary care following an accident, or require treatment for an illness or health problem, dog health insurance helps cover the cost of your vet bills, so you can rest assured your dog can receive the best possible care.
With a growing range of dog health insurance policies and alternative methods of funding pet health care on the market, you can be sure to find the best option for you and your budget. As well as accident and illness cover, many providers now offer wellness plans covering the cost of routine veterinary care, and advanced treatment cover for conditions such as cancer, meaning you and your pet can concentrate on living life to the fullest.
How much does dog insurance cost?
The cost of your dog insurance will vary depending on what’s included in your policy. Your level of coverage, co-payment amount, deductible options, and even the age and breed of your dog and where you live, can all affect your monthly insurance premiums, which is why it’s important to compare a range of insurers to find a policy which best suits your individual needs and budget.
You can compare the best dog insurance plans from a range of US and Canadian pet insurance providers, and alternative methods of funding pet healthcare using the tables below and by reading thousands of pet insurance reviews provided by pet parents like you.
US Insurers
| US Insurers | Cost per month | Coverage | Deductible | Age Limit | Rating* | Review Volume | ||
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Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area. Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim. |
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. There is no coverage for travel costs to a veterinary practice or hospital or for house visits from your veterinarian. There is up to $100 coverage for cremation if death is a result of an accident and the optional Pet Owner Assistance Package has been selected. Trupanion pays off the invoice, up to “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest. |
Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time. A lifetime, per condition deductible means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *Trupanion say:"This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer". |
The Trupanion policy allows you to enroll your pet from birth for true lifelong coverage. All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage. Once enrolled, pets stay insured regardless of age and coverage will not change. |
Reviews
15766
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$13 - $100, depending on your chosen plan. |
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. |
Annual deductible options from $100 - $1,000. |
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. |
Reviews
9410
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Policies start at approximately $12 per month. |
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. |
Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250. |
No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions. |
Reviews
8721
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$6 and up, depending on your chosen plan. |
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. |
$50 - $1,000 annually. |
Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets. |
Reviews
5274
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$15 - $90, depending on breed, zip code, age of pet and choice of deductible and co-pay. |
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. |
You can choose an annual deductible of $100, $250, $500 or $750* *Choice depends on age of the pet |
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. |
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4560
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Depends on your chosen plan. |
You have a co-pay of 10%, 20% or 30% after your deductible. The complete sick visit, including the exam fees, are covered. The pay-out amount is based on your actual vet bill. Use your current veterinarian or any veterinarian in the US or Canada, including ER and specialty hospitals. Comprehensive non-routine dental coverage for oral disease and injuries, including periodontal disease, extractions, and advanced treatments such as root canal therapy are covered as standard in the policy with no dental condition limits.
Alternative, holistic and homeopathic therapies are covered as standard on every policy at no extra cost, including acupuncture, physical therapy and hydrotherapy.
Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits for policies with a $15,000 or greater annual limit.
Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.
No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.
Behavioral treatments, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling, are covered for policies with an annual limit of $15,000 or more. |
Annual deductible from $250 to $1,000. Per condition deductibles from $250 to $2,500 also available. |
Pet must be at least 6 weeks old to enroll. No upper age limits for enrollments apply. |
Reviews
4644
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Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location. |
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70% |
$100, $250 or $500 annually. |
No upper age limits. Pets must be at least 8 weeks old to enroll. |
Reviews
4690
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$16 - $100, depending on your chosen plan. |
You have a co-pay of 10% - 30% after your deductible. The pay-out amount is based on your actual vet bill. |
$50 - $500 per incident. |
Pet must be at least 8 weeks old to enroll. No upper age limits apply. |
Reviews
1038
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$5 - $90 depending on coverage options chosen. |
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill. |
Choose from $100 - $1,000 annual deductible. |
Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets. |
Reviews
550
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$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age. |
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill. |
$100 - $1,000 annually. |
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. |
Reviews
704
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$9 - $135, depending on your chosen plan. |
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. |
$50, $100, $200 or $500 annually. |
Pet must be at least 8 weeks old to enroll. Pet must be at least 8 weeks old to enroll. No upper age limits apply. |
Reviews
234
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$5 - $90 depending on coverage options chosen. |
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill. |
Choose from $100 - $1,000 annual deductible. |
Pets must be at least 8 weeks old to enroll with no upper age limit Coverage options available for senior pets. |
Reviews
91
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Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location. |
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70% |
$100, $250 or $500 annually. |
No upper age limits. Pets must be at least 8 weeks old to enroll. |
Reviews
66
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$12 - $80, depending on your chosen plan. |
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. |
$100, $250 or $500 annually. |
Pets must be at least 8 weeks old to enroll. There is no upper age limit. |
Reviews
51
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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. |
We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement. |
Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options. |
We have no age limits, but your pet will need to be at least 8 weeks old to enroll. |
Reviews
2
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US Discount and Pet Health Protection Providers
| US Insurers | Cost per month | Coverage | Deductible | Age Limit | Rating* | Review Volume | ||
|---|---|---|---|---|---|---|---|---|
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The One-time initial refundable deposit is $48 per pet. The monthly subscription fee is $10 per pet. Typical monthly costs will be $10-$58 max per month (Including the subscription fee of $10/month), depending on the number of claims submitted by our members to the community for reimbursement. |
Eusoh brings people together in the only community-based cost-sharing solution to cover the cost of veterinary expenses. Members submit claims and reimbursement is at 80% of each expense claim. |
$250 per pet per year. |
No age restrictions. |
Reviews
4
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$9.95 to $21.95 per month depending on whether you have cats or dogs and how many. |
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. |
No Deductible |
No age Limits |
Reviews
3
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Get a quote | ||
Canadian Insurers
| Canadian Insurers | Cost per month | Coverage | Deductible | Age Limit | Rating* | Review Volume | ||
|---|---|---|---|---|---|---|---|---|
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Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area. Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim. |
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 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest. |
Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time. 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. |
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. |
Reviews
8308
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Get a quote | ||
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$16 - $60, depending on your chosen plan. |
You have a co-pay of 10%, 20% or 30% after your deductible. Non-routine exam fees, including at ER and Specialists, are covered. The pay-out amount is based on your actual vet bill. Use your current veterinarian or any veterinarian in the US or Canada. |
Annual deductible from $100 to $2,500. Per condition deductibles from $100 to $2,500 also available. |
Pet must be at least 6 weeks old to enroll. No upper age limits apply. |
Reviews
3801
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$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age. |
You have a co-pay of 20% after your annual deductible. The pay-out amount is based on your actual vet bill. |
$100 - $1,000 annually. |
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. |
Reviews
704
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View Details | ||
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$19 - $89, depending on your chosen plan. |
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. |
$100 - $700 age-based annual deductible. |
Pet must be at least 7 weeks old to enroll. |
Reviews
266
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Premiums will vary depending on your plan choice, breed and location. |
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. |
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 |
Pet must be at least 8 weeks old to enroll. |
Reviews
168
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Premiums will vary depending on your plan choice, breed and location. Rates start at $11.84 per month for cats and $16.03 per month for dogs as of 1st July 2018. |
80% coverage (20% co-insurance) after annual deductible satisfied. |
Age based annual deductible $150 -$500 |
Pet must be at least 8 weeks old to enroll. Dog over the age of 8 years old are not eligible for enrollment Cats over 10 years old are not eligible for enrolment |
Reviews
7
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View Details | ||