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 insurance policies on the market, you can be sure to find the best dog insurance plan to suit your needs and budget. As well as accident and illness cover, many providers now offer wellness plans to cover the cost of routine veterinary care, and advanced treatment options 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, your co-payment and deductible options, and even the age and breed of your dog, 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 pet insurance providers 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. 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 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". |
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
9293
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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. |
$100, $200, $300, $500 $750 or $1000 annually. |
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
8612
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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. |
Reviews
4009
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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
4055
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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
3906
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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
3292
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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
1309
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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
899
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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
547
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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
145
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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
29
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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
158
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$12 - $80, depending on your chosen plan. |
Limits are annual and selectable from the following: $2,500, $3,000, $4000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. |
$100, $250 or $500 annually. |
Pets must be at least 8 weeks old to enroll. There is no upper age limit. |
Reviews
48
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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
23
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