Comparing Dog Insurance

Comparing Dog Insurance

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 Providers

  • PetInsuranceReviewUS Providers
  • PetInsuranceReviewUS Discount and Pet Health Protection Providers
  • PetInsuranceReviewCanadian Providers
  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 9.8
    620
    $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.

  • 9.7
    50589
    $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, gender, breed, age, and zip code, and the deductible amount you choose.  

    Coverage

    The Trupanion policy pays 90% of the bill for all eligible expenses once your deductible is met. Plus, they cover: All new accidents and illnesses Hereditary conditions (like hip dysplasia, diabetes, etc.) Congenital conditions (like heart disease, cataracts, or liver disease) Chronic conditions (like allergies, or cancer) Diagnostic Tests Medically-necessary hospital stays Prescribed medications and supplements Prosthetic carts To see the full list of what we cover and what we don’t, check out our Sample Policy here There are three additional riders to expand your policy: Recovery and Complementary Care rider Acupuncture Chiropractic Care Hydrotherapy Physical Therapy Behavioral modification Homeopathy Naturopathy Rehabilitative Therapy Pet Owner Assistance rider Advertising and reward for lost pets Boarding fees if you are hospitalized Liability coverage for third-party property damage Cremation or burial for death due to accident or illness Vacation cancellation costs due to accident or illness Breeding rider Whelping Queening Other injuries associated with breeding

    Deductible

    Customize your deductible to fit your budget, from $0 to $1,000, in increments of $5. Plus, Trupanion policy 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 are enrolled for their life

  • 9.7
    7031
    $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
    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.

  • 9.6
    115
    $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.

  • 9.5
    139
    $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.

  • 9.3
    10224
    $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
    154
    $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
    5606
    $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
    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
    7018
    $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
    1427
    $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.

  • Provider
  • 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

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 9.8
    21
    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

    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

    $100 – $1,150 annually, options vary by pet age.

    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.

  • 9.6
    115
    $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.

  • 9.4
    23756
    $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.

    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

    Offers a flexible deductible from $0 – $1000, in $5 increments, to fit any budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for a 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.

  • 9.4
    7
    $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

  • 7.8
    496
    $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.

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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