Compare the Best Dog Insurance Companies (Updated March 2024)

Comparing the best dog insurance policies can be very challenging. That’s why we’re dedicated to making the process as simple as possible. To date our users have left over 150,000 honest reviews of the top dog insurance providers in the country. We analyze these reviews to come up with an honest ranking for each provider.

Unlike some other websites, we never get paid to promote an insurance company and we never give our own opinion. The following rankings are based entirely on the experiences of real pet parents just like you. Use our handy comparison chart to find the best dog insurance for you!

 

PetInsuranceReview US Providers

  • PetInsuranceReviewUS Providers
  • PetInsuranceReviewUS Discount and Pet Health Protection Providers
  • PetInsuranceReviewCanadian Providers
  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.9
    13,852
    $100 – $1,000 annually
    At least 6 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.

    Pros & Cons:

    • Easy to submit claims
    • Fast payments
    • Great customer service
    • Diminishing deductible of $50 for every year a claim is not filed
    • Limited range of options for annual coverage and deductibles
    • Limited coverage for alternative treatments

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury $10,000 limit
    • Hospitalization $10,000 limit
    • Rehabilitation $10,000 limit
    • Continual Care $10,000 limit
    • Emergency Visits $10,000 limit
    • Surgery $10,000 limit
    • Dental Trauma $10,000 limit
    • Foreign Object Ingestion $10,000 limit
    • Congenital or Hereditary Conditions $10,000 limit
    • Cancer Treatments $10,000 limit
    • Dietary Supplements As part of our wellness plan - $250 limit
    • End of Life: Burial and Cremation $250 limit
    • Illness $10,000 limit
    • Specialists $10,000 limit
    • Prosthetics $10,000 limit
    • End of Life: Euthanasia $10,000 limit
    • Prescription Drugs $10,000 limit
    • Outpatient Care $10,000 limit
    • Bilateral Conditions $10,000 limit - There is a bilateral exclusion on pre-existings. If one side is pre-existing, then so is the other side.
    • Travel Coverage $10,000 limit - Accidents and Illnesses while travelling abroad would be covered. Travel related expenses and travel interruption are not.
    • Vet Exam Fees $10,000 limit
    • Medical Imaging $10,000 limit
    • Organ Transplants $10,000 limit
    • Wellness Cover $250 limit
    • Lab Tests $10,000 limit
    • Behavioral Treatments $10,000 limit - Must be performed by a licensed vet

    Plan Summary

    Embrace Pet Insurance is a top-rated pet health insurance provider for dogs and cats in the United States. Embrace offers one simple yet comprehensive accident and illness insurance plan and every policy comes standard with the industry’s only diminishing deductible feature, the Healthy Pet Deductible. Embrace also offers Wellness Rewards, an optional preventative care product that is unique to the market. Wellness Rewards reimburses for routine veterinary visits, grooming, vaccinations, training, and much more with no itemized limitations. Embrace continues to innovate and improve the pet insurance experience for pet parents across the country with personalized plans, dependable claims payments, and the MyEmbrace online customer portal.

  • 4.9
    9,654
    $250, $500 or $750 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.

    Pros & Cons:

    • Easy claim submission process
    • Quick reimbursement times (in as less as 48 hours in some instances)
    • Great communication
    • No annual converge limit on claim payouts
    • Compassionate customer service reps
    • No wellness or routine care coverage
    • No enrollment allowed for pets over the age of 6
    • No coverage for vet exam fees for accidents or illnesses

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Unlimited
    • Hospitalization Unlimited
    • Rehabilitation Unlimited
    • Continual Care Unlimited
    • Emergency Visits Unlimited
    • Surgery Unlimited
    • Dental Trauma Unlimited
    • Foreign Object Ingestion Unlimited
    • Congenital or Hereditary Conditions Unlimited
    • Cancer Treatments Unlimited
    • Dietary Supplements Unlimited
    • End of Life: Burial and Cremation
    • Illness Unlimited
    • Specialists Unlimited
    • Prosthetics Unlimited
    • End of Life: Euthanasia Unlimited
    • Prescription Drugs Unlimited
    • Outpatient Care Unlimited
    • Bilateral Conditions Unlimited
    • Travel Coverage Unlimited - Travel is included while traveling in the US or Canada
    • Vet Exam Fees
    • Medical Imaging Unlimited
    • Organ Transplants
    • Wellness Cover
    • Lab Tests Unlimited
    • Behavioral Treatments

    Plan Summary

    Healthy Paws has one simple plan that covers accidents and illnesses with no maximum limits on payouts; no per incident payout caps, no annual payout caps and no lifetime payout caps. Their goal is to offer the best coverage possible while still keeping plans affordable. Healthy paws was rated the best pet insurance company by customers in 2015, 2016, 2017 and 2018 at Petinsurancereview.com, Consumersadvocate.org, Petinsurancequotes.com and other leading review sites. The simple act of getting a free pet insurance quote from Healthy Paws results in a cash donation towards a homeless pet’s medical care. They deliver that care by making cash grants to pet adoption organizations specifically for life-saving vaccines, spay/neuter surgeries, and advanced medical treatments. If you are unable to pay your vet at the time of treatment you can contact Healthy Paws and ask them to pay your vet directly. If your vet or vet hospital is willing to accept payment from Healthy Paws they will work with your vet to speed up Healthy Paws getting access to your pet’s medical records and the processing of your claim. This direct payment option is available for any licensed vet across the United States; it is not limited to any particular network of vets.

  • 4.9
    1,668
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.

    Pros & Cons:

    • High reimbursement rates
    • Easy claim submission process
    • Includes coverage for boarding and kennel fees of up to $1,000
    • Flexibility in coverage options
    • No wellness plan coverage
    • 6-month waiting period for pre-existing cruciate ligament issues and hip dysplasia
    • Difficulty in changing coverage
    • Misleading policy exclusions

    Plan Limits

    • Per Condition Limit If your pet has a pre-existing condition—but it doesn’t reoccur or need treatment for 365 days—the condition will be covered going forward.
    • Lifetime Limit No annual policy limit means that there is no limit to the amount of money that you could be paid in a given year on all of your unexpected vet bills. Fetch pet insurance will continue paying you back.
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
    • Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.
    • Rehabilitation Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
    • Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.
    • Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.
    • Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
    • Dental Trauma We cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
    • Foreign Object Ingestion Yes
    • Congenital or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.
    • Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
    • Dietary Supplements Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
    • End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.
    • Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
    • Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
    • Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.
    • End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.
    • Prescription Drugs Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
    • Outpatient Care Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
    • Bilateral Conditions Yes, but the only bilateral exclusion we have on our policies is on the knees.
    • Travel Coverage We don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.
    • Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
    • Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
    • Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.
    • Wellness Cover Fetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
    • Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
    • Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

    Plan Summary

    Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

  • 4.9
    748
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.

    Pros & Cons:

    • Some of the most affordable premiums out there
    • Comprehensive coverage
    • Great customer service
    • Easy claims process and quick payment times
    • No coverage for alternative therapies
    • 6-month waiting period for coverage of cruciate ligaments
    • Exam fees not covered in base policies

    Plan Limits

    • Per Condition Limit Our wellness package has limits on preventative care, but we don’t have per condition limits.
    • Lifetime Limit None.
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation Yes with the Extended Accident and Illness package
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma Yes if caused by an accident
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements Not at this time
    • End of Life: Burial and Cremation Not at this time
    • Illness
    • Specialists Yes - depending on the condition
    • Prosthetics Not at this time
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions Yes - unless it is considered a pre-existing condition
    • Travel Coverage Not at this time
    • Vet Exam Fees Yes with the Extended Accident and Illness package
    • Medical Imaging
    • Organ Transplants Not at this time
    • Wellness Cover Yes with the Preventative and Wellness package
    • Lab Tests
    • Behavioral Treatments Not at this time

    Plan Summary

    Lemonade Pet Insurance is a relatively new company, but it has quickly become one of the most popular pet insurance providers in the United States. The company has been praised for its user-friendly website and app, its affordable premiums, and its quick and easy claims process. They offer Accident and illness coverage, Wellness coverage, Dental coverage, Prescription drug coverage, and Behavioral health coverage.

  • 4.8
    59,986
    $0 to $1,000 per condition
    Can enroll pets from birth
    Plan Details...

    Cost per month

    Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.

    Coverage

    Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

    Deductible

    If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion 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 can be enrolled for life

    Why Our Users Picked It:

    Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.

    Pros & Cons:

    • Excellent customer service
    • Easy and straightforward claims submission
    • Reliable coverage and timely payments
    • Comprehensive coverage of many health issues and medical procedures
    • Higher monthly premiums than some others
    • Does not cover vet exam fees
    • 12-Day waiting period before coverage takes effect

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Per Condition
    • Direct Pay

    What is Covered?

    • Accident and Injury Unlimited
    • Hospitalization Unlimited
    • Rehabilitation Unlimited with Recovery & Care Rider
    • Continual Care Unlimited
    • Emergency Visits Unlimited
    • Surgery Unlimited
    • Dental Trauma Unlimited
    • Foreign Object Ingestion Unlimited
    • Congenital or Hereditary Conditions Unlimited
    • Cancer Treatments Unlimited
    • Dietary Supplements Unlimited
    • End of Life: Burial and Cremation
    • Illness Unlimited
    • Specialists Unlimited
    • Prosthetics Unlimited
    • End of Life: Euthanasia
    • Prescription Drugs Unlimited
    • Outpatient Care Unlimited
    • Bilateral Conditions Unlimited
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging Unlimited
    • Organ Transplants Unlimited
    • Wellness Cover
    • Lab Tests Unlimited
    • Behavioral Treatments

    Plan Summary

    With Trupanion, you not only get incredibly comprehensive coverage but you also get peace of mind 24/7/365 with Trupanions customer support and preapprovals, because they know that accidents don’t happen at the most convenient of times. You can choose your deductible from $0-$1000, in $5 increments and for some plans there are no deductibles at all! Trupanion is always thinking ahead, setting the industry standard, working to make pet insurance as easy and seamless as possible for vets and pet owners. A couple examples of this are they offer no deductibles, and are able to pay the vet directly, within seconds, at time of checkout- eliminating the reimbursement process, so you’ll get full coverage without having to pay the full amount at every vet visit. They won’t ever tell you that you’ve submitted too many claims or you’ve reached your payout limit, because they offer unlimited payouts on all eligible claims. Terms and conditions apply. See your states policy at Trupanion.com for full coverage details

  • 4.8
    21,391
    $0 to $1,000 annually
    No age restriction to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.

    Pros & Cons:

    • Simple claim process
    • Quick payment in as little as 24 - 48 hours
    • Comprehensive coverage
    • High reimbursement rates
    • Coverage for dental cleanings
    • 12-month waiting period for coverage of cruciate ligaments or meniscus (knee) injuries
    • Lack of flexibility in choosing premiums and deductibles

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Unlimited
    • Hospitalization Unlimited
    • Rehabilitation Unlimited
    • Continual Care Unlimited
    • Emergency Visits Unlimited
    • Surgery Unlimited
    • Dental Trauma Unlimited
    • Foreign Object Ingestion Unlimited
    • Congenital or Hereditary Conditions Unlimited
    • Cancer Treatments Unlimited
    • Dietary Supplements Unlimited - if prescribed by veterinarian to treat a condition
    • End of Life: Burial and Cremation Unlimited
    • Illness Unlimited
    • Specialists Unlimited
    • Prosthetics Unlimited - if prescribed by veterinarian to treat a condition
    • End of Life: Euthanasia Unlimited
    • Prescription Drugs Unlimited
    • Outpatient Care Unlimited
    • Bilateral Conditions Unlimited - conditions affecting both sides of the body
    • Travel Coverage Unlimited - medical coverage only while travelling away from home. Cancellation of trip due to pet's illness is not covered
    • Vet Exam Fees Unlimited
    • Medical Imaging Unlimited
    • Organ Transplants Unlimited
    • Wellness Cover Unlimited
    • Lab Tests Unlimited
    • Behavioral Treatments Unlimited - if prescribed by veterinarian to treat a condition

    Plan Summary

    Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

  • 4.7
    11,279
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.

    Pros & Cons:

    • Simple and streamlined claims process
    • Awesome customer service
    • Extensive coverage of many conditions and treatment options
    • Some of the most affordable premiums in the space
    • No special waiting periods for cruciate ligament issues or other specific conditions
    • Limited choices of deductible
    • Highest annual coverage option is only $10,000 (other providers offer unlimited annual coverage)

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Hospitalization Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Emergency Visits Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Illness
    • Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Prosthetics
    • End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Bilateral Conditions Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
    • Vet Exam Fees Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Organ Transplants Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
    • Lab Tests Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

    Plan Summary

    ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete CoverageSM plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.

  • 4.7
    423
    $50 to $500 annually
    At least 8 weeks old to enroll
    Plan Details...

    Cost per month

    Plans can start at just $29

    Coverage

    Reimbursement for up to 90% of vet costs.

    Deductible

    Customizable deductibles from $50-$500

    Age Limit

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

    Why Our Users Picked It:

    Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.

    Pros & Cons:

    • Lower pricing than many providers in the market
    • A wide range of coverage options
    • Friendly and knowledgeable customer service reps
    • Easy and fast claim process
    • 6-month waiting period for cruciate ligament issues and intervertebral disc disease
    • Potential technical issues with the mobile app

    Plan Limits

    • Per Condition Limit $2,000 - $10,000
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

    Protect your pet’s health and your wallet with MetLife Pet Insurance. Plans can start at just $29 and you can easily customize your deductible and reimbursement rates so it works for you. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!

  • 4.7
    164
    $100, $250 or $500 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.

    Pros & Cons:

    • Flexible coverage options
    • Annual coverage limits range from $2,500 to unlimited (great option for senior pets)
    • Optional wellness plan
    • Doesn’t cover alternative care
    • Potential premium increases
    • Longer times to reimbursements

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Covered up to the selected annual limit ($2,500-Unlimited)
    • Hospitalization Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Emergency Visits Covered up to the selected annual limit ($2,500-Unlimited)
    • Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Congenital or Hereditary Conditions
    • Cancer Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Dietary Supplements Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Illness
    • Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Prosthetics
    • End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Bilateral Conditions Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
    • Vet Exam Fees Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Organ Transplants Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
    • Lab Tests Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
    • Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

    Plan Summary

    Hartville Pet Insurance, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.

  • 4.7
    110
    $100 – $1,000 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.

    Pros & Cons:

    • Exceptional and friendly customer service
    • Fast payments
    • Customizable policies
    • Lower premiums than some
    • Limited options for older pets
    • Exam fees are additional cost
    • Hip dysplasia and congenital and hereditary conditions only available when pets are enrolled at 2 years of age or younger

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

    Pet Partners offers three levels of pet insurance: Basic, Advanced, and Ultimate. Each level offers different levels of coverage and reimbursement rates. Pet Partners pet insurance is available to all pets, regardless of age, breed, or health history. To enroll, your pet must be spayed or neutered and up-to-date on all vaccinations.

  • 4.7
    4,287
    $100, $250, $500, $750 or $1000 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.

    Pros & Cons:

    • Simple and fast claim process
    • Awesome customer service
    • Fast payments
    • Transparent quote process
    • Optional wellness plan available
    • Limited coverage (compared to others)
    • 14-Day waiting period for accident coverage (some providers only require 1-2 days)

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Covered up to the selected annual limit ($2,500-Unlimited)
    • Hospitalization Covered up to the selected annual limit ($2,500-Unlimited)
    • Rehabilitation Covered up to the selected annual limit ($2,500-Unlimited)
    • Continual Care Covered up to the selected annual limit ($2,500-Unlimited)
    • Emergency Visits Covered up to the selected annual limit ($2,500-Unlimited)
    • Surgery Covered up to the selected annual limit ($2,500-Unlimited)
    • Dental Trauma Covered up to the selected annual limit ($2,500-Unlimited)
    • Foreign Object Ingestion Covered up to the selected annual limit ($2,500-Unlimited)
    • Congenital or Hereditary Conditions Covered up to the selected annual limit ($2,500-Unlimited)
    • Cancer Treatments Covered up to the selected annual limit ($2,500-Unlimited)
    • Dietary Supplements Covered up to the selected annual limit ($2,500-Unlimited)
    • End of Life: Burial and Cremation Covered up to the selected annual limit ($2,500-Unlimited)
    • Illness Covered up to the selected annual limit ($2,500-Unlimited)
    • Specialists Covered up to the selected annual limit ($2,500-Unlimited)
    • Prosthetics Covered up to the selected annual limit ($2,500-Unlimited)
    • End of Life: Euthanasia Covered up to the selected annual limit ($2,500-Unlimited)
    • Prescription Drugs Covered up to the selected annual limit ($2,500-Unlimited)
    • Outpatient Care Covered up to the selected annual limit ($2,500-Unlimited)
    • Bilateral Conditions Covered up to the selected annual limit ($2,500-Unlimited)
    • Travel Coverage If a pet is traveling within the U.S., it's territories of Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
    • Vet Exam Fees Covered up to the selected annual limit ($2,500-Unlimited)
    • Medical Imaging Covered up to the selected annual limit ($2,500-Unlimited)
    • Organ Transplants Covered up to the selected annual limit ($2,500-Unlimited)
    • Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
    • Lab Tests Covered up to the selected annual limit ($2,500-Unlimited)
    • Behavioral Treatments Covered up to the selected annual limit ($2,500-Unlimited)

    Plan Summary

    Spot Pet Insurance is the only pet insurance recommended by Cesar Millan. They are committed to educating pet parents about the benefits pet insurance has to offer, making more affordable animal care across the U.S. for pet parents. Their Accident & Illness plan covers accidents, injuries, illnesses, chronic conditions like cancer and more, and features simplified reimbursement based on percentage of submitted claims. Preventive Care is available at an additional cost. There is no network; bring your pet to any licensed vet in the US, emergency or specialty clinic for the attention they deserve.

  • 4.5
    7,166
    $50 – $1,000 annually
    At least 7 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.

    Pros & Cons:

    • Simple and streamlined claims submission process
    • Transparent communication
    • Affordable premiums
    • Great customer service that has been called “courteous and responsive” by users.
    • Varying deductible options to choose from
    • Wellness coverage available
    • 6-month waiting period for coverage of cruciate ligament issues
    • No coverage for alternative treatments

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Up to limit selected ($5,000- unlimited)
    • Hospitalization
    • Rehabilitation
    • Continual Care Up to limit selected
    • Emergency Visits Up to limit selected ($5,000- unlimited)
    • Surgery Up to limit selected
    • Dental Trauma Up to limit selected
    • Foreign Object Ingestion Up to limit selected
    • Congenital or Hereditary Conditions Up to limit selected
    • Cancer Treatments Up to limit selected
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness Up to limit selected
    • Specialists Up to limit selected
    • Prosthetics Up to limit selected
    • End of Life: Euthanasia Up to limit selected
    • Prescription Drugs Up to limit selected
    • Outpatient Care Up to limit selected
    • Bilateral Conditions If pre-existing, not covered
    • Travel Coverage Canada, Puerto Rico, and US Territories
    • Vet Exam Fees
    • Medical Imaging Up to limit selected
    • Organ Transplants
    • Wellness Cover Up to limit selected if optional additional coverage plan available
    • Lab Tests Up to limit selected
    • Behavioral Treatments Exam and Rx only

    Plan Summary

    Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.

  • 4.4
    889
    $100 – $1,000 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.

    Pros & Cons:

    • Great customer service (easy to get a human on the phone)
    • Simple claim submission process
    • Quick payments
    • Unlimited annual coverage available
    • No dental coverage
    • Additional coverage required for hereditary and congenital conditions
    • Pets with certain medical histories are only offered accident coverage

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

    AKC Pet Insurance is a good option for pet owners who are looking for comprehensive coverage at a competitive price. The company offers a wide range of plans to fit different needs, and its claims process is easy to use. AKC Pet Insurance covers a wide range of medical expenses, including accidents, illnesses, and routine care. The company also has a good reputation for excellent customer service.

  • 4.4
    2,398
    $100, $250, $500, $750, $1,000 or $1,500 annually
    At least 8 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.

    Pros & Cons:

    • Only 1-day waiting period for accident coverage
    • Wellness coverage available
    • Simple claims process
    • Up to 100% reimbursement available
    • Extra costs for vet exams
    • 6-month waiting period for orthopedic problems (in some cases can be waived if your vet signs a waiver)
    • Does not offer an accident-only plan

    Plan Limits

    • Per Condition Limit None
    • Lifetime Limit None
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Unlimited
    • Hospitalization Unlimited
    • Rehabilitation Unlimited
    • Continual Care Unlimited
    • Emergency Visits Unlimited
    • Surgery Unlimited
    • Dental Trauma Unlimited
    • Foreign Object Ingestion UnlimitedUnlimited - Only if the pet did not require decontamination 2 or more times within the 18 months prior to the policy effective date or within the waiting periods
    • Congenital or Hereditary Conditions Unlimited
    • Cancer Treatments Unlimited
    • Dietary Supplements Unlimited - Limited to prescription foods that are used to treat existing bladder stones or crystals.
    • End of Life: Burial and Cremation Unlimited - If the pet passes during the policy period as a result of illness or injury and meets the coverage requirements.
    • Illness Unlimited
    • Specialists Unlimited - *In addition, the examination fee for a specialist can be covered depending on whether the optional exam fee coverage was added.
    • Prosthetics Unlimited
    • End of Life: Euthanasia Unlimited - If deemed medically necessary by licensed vet and it is the result of a covered accident or illness.
    • Prescription Drugs Unlimited
    • Outpatient Care Unlimited
    • Bilateral Conditions Unlimited
    • Travel Coverage $1,000 - If deemed a life threatening condition and vacation was preplanned.
    • Vet Exam Fees If plan is selected with that option
    • Medical Imaging Unlimited
    • Organ Transplants Unlimited - Requires preapproval
    • Wellness Cover Unlimited
    • Lab Tests Unlimited
    • Behavioral Treatments $1,000

    Plan Summary

    Figo Pet Insurance is committed to making lives easier for pets and their people. Their cloud-based technology enables pet parents to manage the lives of their pets on-the-go through their Pet Cloud. The Pet Cloud app significantly enhances the way Figo engages with pet parents by providing an A.I. claims experience, live veterinary chat, alerts, records management and more to seamlessly manage their policy and make pet parenting a breeze.

  • 4.3
    996
    $100, $250, $500 or $1000 annually
    At least 8 weeks old to enroll
    Plan Details...

    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, $500 and $1000

    Age Limit

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

    Why Our Users Picked It:

    Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.

    Pros & Cons:

    • Exceptional and caring customer service
    • Reliable and hassle-free coverage
    • Comprehensive coverage options
    • Covers vet exam fees
    • Up to 90% reimbursement rates
    • No accident-only plan available
    • 14-day accident waiting period (some providers only require 1 - 2 days for this coverage)

    Plan Limits

    • Per Condition Limit None
    • Lifetime Limit None
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury Included
    • Hospitalization Included
    • Rehabilitation Included
    • Continual Care Included
    • Emergency Visits Included
    • Surgery Included
    • Dental Trauma Included
    • Foreign Object Ingestion Included
    • Congenital or Hereditary Conditions Included
    • Cancer Treatments Included
    • Dietary Supplements Included
    • End of Life: Burial and Cremation Included
    • Illness Included
    • Specialists Included
    • Prosthetics Included
    • End of Life: Euthanasia Included
    • Prescription Drugs Included
    • Outpatient Care Included
    • Bilateral Conditions Covered up to the annual limit
    • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home).
    • Vet Exam Fees Sick exam fees covered, plus one annual wellness exam with optional preventive care plan
    • Medical Imaging Included
    • Organ Transplants Included
    • Wellness Cover Covered by optional preventive care plan
    • Lab Tests Included
    • Behavioral Treatments Included

    Plan Summary

    Pumpkin’s mission is to help pet owners say “yes” to the best care for their pets. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component – preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives. Their best-in-class plan offers many things that are excluded in some plans, such as sick exam fees, coverage for preventable illnesses, and dental illness coverage, plus the same coverage as your pet ages. About Pumpkin: Pumpkin Insurance Services Inc. (Pumpkin) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the Pumpkin Prevent Essentials product and its administration. Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. More information available at checkout.

  • 3.2
    2,087
    $0, $100, $250, $500, and $750 annually
    At least 8 weeks old to enroll
    Plan Details...

    Cost per month

    Varies by pet location, age, and breed

    Coverage

    Pet Accident and Illness coverage and offer a non-insurance wellness product.

    Deductible

    Deductible options vary by state and pet age. Common deductibles include $0, $100, $250, $500, and $750

    Age Limit

    Pet must be at least 8 weeks old or younger than 14 to purchase. No age cap on renewals.

    Why Our Users Picked It:

    Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

    Pros & Cons:

    • Lower premiums than many pet insurance companies and for unlimited annual coverage as well
    • Kind and knowledgeable customer service reps
    • Optional wellness plan
    • Coverage for vet exam fees
    • No coverage for alternative therapies
    • Not available in all 50 states

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions As long as they are not pre-existing
    • Cancer Treatments
    • Dietary Supplements As long as they are prescribed to treat a covered Text condition
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions As long as they are not pre-existing
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover Separate plan that must be purchased
    • Lab Tests
    • Behavioral Treatments Excluded

    Plan Summary

    Many Pets is a pet insurance company that offers policies that cover a wide range of veterinary expenses including accidents, illnesses, and preventive care. They offer a clear and concise explanation of their policies, and they make it easy to compare different plans. They also have a team of experienced customer service representatives who are available to answer any questions you may have.

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.3
    12
    No Deductible
    No age Limits
    Plan Details...

    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

    Why Our Users Picked It:

    Learn more about Pet Assure’s discount plan and read customer reviews so you can make an informed choice about how you cover veterinarian care costs.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

  • Provider
  • Rating
  • Review Count
  • Deductible
  • Age limit
  • 4.9
    635
    $250, $300 or $500 annually
    At least 6 weeks old to enroll
    Plan Details...

    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.

    Why Our Users Picked It:

    Users like that they can obtain a policy that offers a 90% reimbursement rate. Some also mentioned Fetch’s friendly and helpful customer service.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit If your pet has a pre-existing condition—but it doesn’t reoccur or need treatment for 365 days—the condition will be covered going forward.
    • Lifetime Limit No annual policy limit means that there is no limit to the amount of money that you could be paid in a given year on all of your unexpected vet bills. Fetch pet insurance will continue paying you back.
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
    • Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.
    • Rehabilitation Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
    • Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.
    • Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.
    • Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
    • Dental Trauma We cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
    • Foreign Object Ingestion Yes
    • Congenital or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.
    • Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
    • Dietary Supplements Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
    • End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.
    • Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
    • Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
    • Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.
    • End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.
    • Prescription Drugs Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
    • Outpatient Care Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
    • Bilateral Conditions Yes, but the only bilateral exclusion we have on our policies is on the knees.
    • Travel Coverage We don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.
    • Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
    • Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
    • Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.
    • Wellness Cover Fetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
    • Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
    • Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

    Plan Summary

    Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

  • 4.9
    147
    $100 - $300 annually
    At least 8 weeks old to enroll
    Plan Details...

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age at enrollment, and postal code.

    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

    Age-based annual deductible of $100, $150, $200, $250 or $300.

    Age Limit

    Dogs: 8 weeks through 10 years, 11 months Cats: 8 weeks through 12 years, 11 months Accident Only plan option can be offered regardless of upper age limits

    Why Our Users Picked It:

    Many users raved about how easy it is to get a quote from Spot. Quite a few people also mentioned friendly customer service and quick reimbursement payments.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type
    • Direct Pay

    What is Covered?

    • Accident and Injury Covered up to the selected annual limit
    • Hospitalization Covered up to the selected annual limit
    • Rehabilitation Covered up to the selected annual limit
    • Continual Care Covered up to the selected annual limit
    • Emergency Visits Covered up to the selected annual limit
    • Surgery Covered up to the selected annual limit
    • Dental Trauma Covered up to the selected annual limit
    • Foreign Object Ingestion Covered up to the selected annual limit
    • Congenital or Hereditary Conditions Covered up to the selected annual limit
    • Cancer Treatments Covered up to the selected annual limit
    • Dietary Supplements Covered up to the selected annual limit
    • End of Life: Burial and Cremation Covered up to the selected annual limit
    • Illness Covered up to the selected annual limit
    • Specialists Covered up to the selected annual limit
    • Prosthetics Covered up to the selected annual limit
    • End of Life: Euthanasia Covered up to the selected annual limit
    • Prescription Drugs Covered up to the selected annual limit
    • Outpatient Care Covered up to the selected annual limit
    • Bilateral Conditions Covered up to the selected annual limit
    • Travel Coverage Covered up to the selected annual limit
    • Vet Exam Fees Covered up to the selected annual limit
    • Medical Imaging Covered up to the selected annual limit
    • Organ Transplants Covered up to the selected annual limit
    • Wellness Cover Covered up to the selected annual limit
    • Lab Tests Covered up to the selected annual limit
    • Behavioral Treatments Covered up to the selected annual limit

    Plan Summary

    Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.

  • 4.9
    342
    As low as $100 annually
    At least 7 weeks old to enroll
    Plan Details...

    Cost per month

    As low as $15.50 per month for cats and $17.28 per month for dogs. Furkin is currently waiving their $35 enrollment fee.

    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

    As low as $100 annually

    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.

    Why Our Users Picked It:

    Some of the things users had to say about this company are “Exceptional customer service,” “Seamless sign up,” and “Best monthly price with lowest deductible.”

    Pros & Cons:

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit No lifetime limits
    • Deductible Type Once annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

    Furkin Pet Insurance provides comprehensive accident and illness coverage for dogs and cats. Other than pre-existing conditions and routine/preventive care, we’re here to help you and your pet with just about all other unexpected accidents and illnesses. With Furkin, you also get sick visit exam fees, taxes, and 24/7 telehealth included, plus over $3,000 in additional pet owner support benefits each year.

  • 4.8
    27,588
    $0 – $1000 per condition
    Can enroll pets from birth
    Plan Details...

    Cost per month

    Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal 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

    You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible 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.

    Why Our Users Picked It:

    Many users raved about Trupanion’s direct billing. They also will pay up to 90% of the bill, depending on the plan. Users also appreciate the excellent customer service.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit Unlimited
    • Lifetime Limit Unlimited
    • Deductible Type Condition
    • Direct Pay

    What is Covered?

    • Accident and Injury Unlimited
    • Hospitalization Unlimited
    • Rehabilitation Unlimited
    • Continual Care
    • Emergency Visits Unlimited
    • Surgery Unlimited
    • Dental Trauma Unlimited
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions Unlimited
    • Cancer Treatments Unlimited
    • Dietary Supplements Unlimited
    • End of Life: Burial and Cremation Unlimited - Covered with purchase of additional rider
    • Illness Unlimited
    • Specialists Unlimited
    • Prosthetics Unlimited
    • End of Life: Euthanasia
    • Prescription Drugs Unlimited
    • Outpatient Care Unlimited
    • Bilateral Conditions Unlimited
    • Travel Coverage Unlimited - If travelling in US and Canada.
    • Vet Exam Fees
    • Medical Imaging Unlimited
    • Organ Transplants Unlimited
    • Wellness Cover
    • Lab Tests Unlimited
    • Behavioral Treatments Unlimited - Covered with purchase of additional rider and if prescribed and performed by licensed veterinarian

    Plan Summary

    Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.

  • 4.8
    25
    $200 annually
    At least 7 weeks old to enroll
    Plan Details...

    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

    Why Our Users Picked It:

    Users appreciate the quick and easy claims process. Many mentioned the great customer service and online support.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

  • 4.1
    664
    $100 – $700 annually
    At least 7 weeks old to enroll
    Plan Details...

    Cost per month

    Monthly costs vary based on your pet’s species, age, and location, as well as your chosen plan. Customize coverage to suit your pet’s needs and your budget.

    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. There is no upper age limit.

    Why Our Users Picked It:

    Awesome customer service and prompt payments are just a couple of the reasons users are happy with this provider.

    Pros & Cons:

    Plan Limits

    • Per Condition Limit
    • Lifetime Limit
    • Deductible Type Annual
    • Direct Pay

    What is Covered?

    • Accident and Injury
    • Hospitalization
    • Rehabilitation
    • Continual Care
    • Emergency Visits
    • Surgery
    • Dental Trauma
    • Foreign Object Ingestion
    • Congenital or Hereditary Conditions
    • Cancer Treatments
    • Dietary Supplements
    • End of Life: Burial and Cremation
    • Illness
    • Specialists
    • Prosthetics
    • End of Life: Euthanasia
    • Prescription Drugs
    • Outpatient Care
    • Bilateral Conditions
    • Travel Coverage
    • Vet Exam Fees
    • Medical Imaging
    • Organ Transplants
    • Wellness Cover
    • Lab Tests
    • Behavioral Treatments

    Plan Summary

What Does Dog Insurance Cover?

Dogs are our best friends and precious family members. So when they become ill or injured, we want to be able to get them the care they need. Dog insurance is a great way to help your pup while also sparing your own savings account.

But what exactly does dog insurance cover?

To answer that question, we’ve got to separate dog insurance plans into three categories:

Accident and Illness Plans

This is the most common type of dog insurance. An accident and illness plan covers the expenses associated with an accident or sudden illness. This means things like diagnostic tests, prescription medications, treatments, hospitalization, and surgeries will be covered under this plan.

Accident-Only Plans

Some people choose to go with an accident-only plan because they are usually cheaper than accident and illness plans. But remember, you get what you pay for. So while an accident-only plan will cover expenses related to an accident, they won’t cover the expenses associated with an illness, such as if your dog suddenly has an acute pancreatitis attack or your cat is diagnosed with cancer. Both acute (sudden) and chronic illnesses often require hospitalization, diagnostic testing and medications, so you may be looking at a bill for thousands of dollars. Just keep this in mind.

Wellness Plans

These types of dog insurance plans essentially cover preventative care. They do not, however, cover expenses related to accidents and illness. Many insurance providers will offer wellness plans as an add-on option to accident and illness insurance. There are a handful of companies that offer wellness plans as a standalone policy. Products and services covered under a wellness plan include:

  • Yearly checkups
  • Common vaccinations and vaccination titers
  • Heartworm testing
  • Heartworm, flea, and tick preventatives
  • Fecal tests and deworming
  • Routine laboratory tests
  • Microchipping
  • Routine spay/neuter surgeries

What’s Not Usually Covered by Dog Insurance?

When shopping for a dog insurance plan, pay close attention to what the policy does not cover. Here are some common exclusions:

Pre-existing Conditions

What are pre-existing conditions? These refer to any health issues your dog had before you signed up with a policy. Most insurance providers do NOT cover pre-existing conditions. Some companies do have exceptions for health problems that were “cured” in the past. They will consider covering these after 180 – 365 days, depending on the specific policy.

Curable conditions may include the following:

  • Bladder infections
  • Diarrhea
  • Ear infections
  • Gastrointestinal issues
  • Respiratory infections
  • Urinary tract infections
  • Vomiting

Incurable pre-existing conditions are health issues that typically require ongoing treatment, medication and even surgery. Some examples include:

  • Allergies
  • Arthritis
  • Cancer
  • Diabetes
  • Epilepsy
  • Heart disease
  • Hip dysplasia
  • Hyperthyroidism
  • Kidney disease
  • Orthopedic conditions
  • Any chronic condition

Hereditary or Congenital Conditions

Certain dog health issues are hereditary or present from birth. Examples include hip dysplasia and intervertebral disk disease. Some dog insurance policies exclude these conditions while others will cover them as long as symptoms were not present before enrollment.

Elective or Cosmetic Procedures

Those procedures such as cosmetic ear cropping or tail docking, that offer no health benefits to a dog, are typically excluded from coverage.

Breeding and Pregnancy

Most dog insurance plans exclude coverage for costs associated with breeding and pregnancy. Some do allow this coverage as an add-on.

 


How Does Dog Insurance Work?

Dog insurance works a bit differently than human insurance. Most plans work on a reimbursement basis. This simply means you pay the vet up front, then file a claim for reimbursement of eligible expenses. There are some dog insurance plans that pay vets directly so you’re only responsible for paying ineligible costs out of pocket.

When shopping for a dog insurance plan, you’ll want to pay close attention to the deductible, reimbursement percentage, and any annual limits. Most plans will allow you to choose what works best for your budget, so you can get a plan with an affordable monthly premium.

Like human insurance, your deductible must be met before the insurance company will issue any reimbursements. Once the deductible is met, the provider will issue payments based on the reimbursement percentage you selected, usually 65% to 90% of the costs.

It’s important to take all of this into consideration before selecting your policy. Many people focus solely on monthly premiums, but you really do get what you pay for. By choosing just a little higher of a monthly premium, you’ll find yourself needing to pay less of a deductible and receive a higher payout should an accident or illness occur. This can bring a lot of comfort and peace of mind during a very difficult time.

Waiting Periods

When someone enrolls their pup into a new dog insurance policy, there will be a waiting period before they can make any claims. These waiting periods help to prevent fraud because they make it impossible for someone to get coverage on a pre-existing condition or an accident that happened right before the policy was purchased.

Age Limits

Most dog insurance providers have put some kind of age restrictions in place. The majaority will require your pup to be at least six to eight weeks old before they are eligible to be insured. Some insurance companies have upper age limits to prevent enrollment of older pets. Many dog insurance providers on our list do NOT have any upper age restrictions, so even if you have a seniot dog, you can get excellent coverage.

Coverage

Dog insurance plans will cover all or most of the following:

  • Accident and Injury
  • Continual Care
  • Dental Trauma
  • Cancer Treatments
  • Illness
  • Bilateral Conditions
  • Medical Imaging
  • Lab Tests
  • Hospitalization
  • Emergency Visits
  • Foreign Object Ingestion
  • Dietary Supplements
  • Specialists
  • Prescription Drugs
  • Organ Transplants
  • Behavioral Treatments
  • Rehabilitation
  • Surgery
  • Outpatient Care

 


 

What’s the Best Dog Insurance?

The best dog insurance for your pup will take many factors into consideration. There is no one-size-fits-all plan because the right one will offer your family the best coverage at the most reasonable price. This, of course, will vary depending on your dog’s breed, age, medical history and even your zip code.

To find the best dog insurance for your pup’s needs and your own budget it’s important to sit down and make a list of what matters most to you. This is where we encourage you to bring your veterinarian into the decision-making process. She can tell you what kinds of health issues your dog’s breed may be prone to. And believe it or not, certain breeds of dogs are more prone to accidents and trips to the emergency vet clinic (We’re talking to you Goldendoodles who tend to love eating socks!).

We know it can be overwhelming finding the best dog insurance for your fur baby. And that’s why we created this website! We use dog insurance reviews from real pet parents just like you to rank the best dog insurance policies on the market. So far we have over 150,000 reviews we use to rank the best providers. Based on our data, the following our the best dog insurance providers:

  • Embrace – Best for Superior Benefits
  • Spot – Best for Annual Coverage Choices
  • Pumpkin – Best for Senior Dog and Senior Cat Coverage
  • Figo – Best for Short Waiting Period for Accident Coverage
  • Lemonade – Best price for Puppies and Kittens
  • Trupanion – Best for Lowest Out-Of-Pocket Claims Costs

 


 

What’s the Best Senior Dog Insurance?

It can be incredibly difficult to watch our dogs age. Like humans, older dogs can experience many health issues such as arthritis, diabetes, and cancer. And of course, the more health issues your dog faces, the more vet bills you will be responsible for. Senior dog pet insurance is how many pup parents get their dog the care she needs without going into debt to do it. But how do you go about choosing the right pet insurance policy?

To start, we should mention that it is best to enroll your dog into an insurance plan as early as possible. When should you get pet insurance? Ideally before your pup starts to experience any health issues. Most pet insurance companies will not cover pre-existing conditions, so the earlier you purchase a policy the better.

How to Choose the Best Senior Dog Insurance

Go for Customizable Coverage

The best senior dog pet insurance will offer customizable coverage. This means you are able to choose a monthly premium that fits your budget while still getting the coverage your senior dog needs.

No Upper Age Limit

You’ll want to look for providers that have no upper age limit for enrollment. That means if you fall in love and adopt a 10-year-old senior Corgi from the local shelter, you’ll be able to insure her.

Go for an Unlimited Coverage Policy

Senior dogs tend to begin developing numerous health issues. You want a policy that will cover the most, not one that has a limit to how much they will cover each year.

Flexible Reimbursement Rates

Look for an insurance provider that offers a wide range of reimbursement rates. Some providers even have 100% reimbursement rates. This means once you reach your deductible, your vet bills will be fully reimbursed for the rest of the calendar year. Your monthly premium will be higher, but if you can afford it, a 100% reimbursement rate can be a lifesaver down the road, literally!

Look for Discounts

Senior dog pet insurance can be more expensive because older dogs are more likely to need veterinary care. Choose a provider that offers discounts to help offset your monthly premium fees. For instance, a company like Embrace offers several discounts. They provide a 15% discount for those who do not file a claim in 1 year. They will also reduce your annual deductible by $50 each year you do not file a claim.

How Much Does Senior Dog Insurance Cost?

There are a variety of factors that will influence your monthly premium. The biggest is the age of your pup. The older a dog gets, the more expensive it becomes to insure him. If you are enrolling an older dog for the first time, monthly premiums will most likely be higher than the average. For example, pulling some quick price quotes, an 11-year old medium-sized dog may cost around $100 a month to insure whereas a 3-year-old medium-sized dog may cost half that amount.

Breed is another factor that can influence monthly premiums. Certain breeds such as Boxers and German Shepherds are more prone to developing health conditions as they age.

And finally your zip code will affect the price of your monthly premium. If you and your fur baby live in a smaller, rural town you may pay less than if you both live in a large city.

The bottom line is, senior dog pet insurance will help you to pay for the costs of taking great care of your pup. And the providers on this list all offer excellent coverage.

 


 

Dog Insurance Costs – What are They Exactly?

Typically speaking, dog insurance costs more than cat insurance because dogs are usually larger, which makes them require more in the way of medications, sedation, supplies etc. during medical procedures. Since the costs are more, the insurance policies will reflect that.

Coverage premiums for a dog can range from $10 to $100 per month with average costs ranging between $30 and $50. There are a few factors that impact the premium you will pay, namely your dog’s breed, age, health history and your zip code. You will pay more for an older dog than you will a puppy simply because older dogs are more likely to face significant health issues requiring medical care. This is why it’s always a good idea to enroll your pup into a plan as early as possible so you can lock in a lower rate.

Most insurers offer accident & illness and accident only policies. Many will also offer add-ons to the plans that cover the cost of routine care, dental care, and preventative treatments and medications. Some plans pay vets directly but most will reimburse you.

How Does Breed Affect Dog Insurance Costs?

As we mentioned, premiums are significantly impacted by the breed of dog being covered. This is because there are certain dog breeds that carry a higher likelihood of developing health issues. Then there are those breeds that have less of a chance of developing health issues. These breeds usually carry lower insurance premiums.

The breeds that cost the least amount to insure, according to an analysis by LendEDU, are the:

  • English Springer Spaniel
  • Miniature Yorkshire Terrier
  • Goldendoodle

Their data showed that the monthly premiums for these particular breeds range from $34 to $40 per month.

How to Save on Dog Insurance Costs

Many pup parents don’t realize there are ways to save on a great pet insurance policy. Here are a few:

Comparison Shop

You’ll want to take a bit of time to look at a short list of providers to see who offers the best policy. We make it incredibly easy to conduct a side-by-side comparison of multiple pet health insurers.

Be sure to read ALL of the fine print and understand everything before enrolling. If you have questions, pick up the phone and speak with a rep.

Go for a Higher Deductible

As with human insurance, your choice of deductible will impact what you pay each month. Choosing between, say, a $300 deductible and a $750 deductible can significantly decrease how much you pay in premiums each month. Choosing a lower reimbursement rate will also bring down your monthly premium. But consider how nice it will be to have 90% of your vet bill taken care of by your insurance provider instead of just 65%.

Multi-Pet Discounts

Have more than one pet? Get them all enrolled into the same company and save big on costs. Ask prospective providers if they offer multi-pet discounts. Many do and you can save 10% – 15% a month.

 


 

What is Dog Dental Insurance?

Sadly, dental disease is very common in dogs. If left untreated, dental disease can lead to more serious medical conditions such as heart, liver, and kidney disease.

While there are things you can do at home to help protect your pup’s teeth and gums, such as daily brushing, your dog will also require professional cleanings at the vet’s office. These can be quite costly, which is why dog dental insurance can be a great idea.

Do I Really Need Dog Dental Insurance?

The short answer is, most likely yes. Having an insurance plan that includes dental exams and cleanings can help you protect your dog’s health while also protecting your wallet from sudden expensive surprises.

Routine cleanings require your dog to go under general anesthesia. This is so your vet can thoroughly examine your pet’s mouth for any signs of gum disease and tooth decay. These cleanings can get quite expensive should your pup need one or more teeth pulled.

What Does Dog Dental Insurance Cover?

This really depends on the provider, which is why it is so important to read all of the fine print before signing on the dotted line. Generally speaking, an accident-only insurance plan would only cover dental accidents, like a chipped tooth.

Accident and illness plans will usually cover both dental accidents and dental illness, such as gum disease. There can be exclusions, such as dogs who had symptoms of dental disease before enrollment into the plan.

Wellness plans may or may not cover dental cleanings. Some that do may have a set amount of coverage per year. It’s a good idea to make a short list of providers you are considering, and then get on the phone with each one to find out exactly what is covered in their dog dental insurance plans.

 


 

Does Dog Insurance Cover Neutering?

Spaying and neutering is typically covered under an added-on wellness plan. This is because neutering and spaying are considered preventative care procedures that don’t fit under a traditional “accident and illness plan” or an “accident-only plan.”

The following treatments and procedures are usually covered by a wellness plan:

  • Flea, tick and heartworm prevention medication
  • Parasite testing and treatment
  • Microchipping
  • Spaying or neutering
  • Routine dental cleanings

Find out which pet insurance companies cover neutering.

 


 

Does Dog Insurance Cover Teeth Cleaning?

As we mentioned a bit earlier, good oral hygiene is as important for your dog as it is for you! Tooth and gum disease is common in dogs. It is a condition that is not only painful, but one that can lead to more serious illnesses such as heart, liver and kidney disease.

But professional teeth cleaning can be an expensive procedure. Because dogs need to be anesthetized while having their teeth cleaned, the procedure can typically cost between $300 and $700. And that’s without any tooth extractions. If some teeth are found to be rotten and need to be pulled, your bill will go even higher.

To answer the question “does dog insurance cover teeth cleaning?” we have to say ‘yes and no.’ Most accident and illness plans will not cover teeth cleaning because it is considered preventative care. In some cases, as in your dog breaks a tooth chewing on something hard or your vet diagnoses your dog with oral cancer, those issues can be treated with an accident and illness plan.

But routine teeth cleaning would not be covered under a regular plan but instead would require a wellness plan be added on.

 


 

Does Dog Insurance Cover Spaying?

With so many stray and abandoned dogs filling shelters around the country, it’s more important than ever to have your young pup spayed or neutered. But many pup parents wonder if dog insurance covers spaying. And rightly so. The cost of spaying a young pup can range from as low as $100 all the way up to $500, depending on where in the country you live.

It should also be mentioned that spaying is a far more extensive procedure than neutering and therefore costs more.

Like neutering, however, insurance providers consider spaying an elective procedure and so most will not cover it under their typical accident and illness plan or accident-only plan. But as mentioned earlier, there are quite a few dog insurance providers that do offer add-on wellness plans that cover spaying and neutering.

 


 

Does Dog Insurance Cover Vaccines?

Vaccinations are usually covered only through a wellness plan. When your doggo gets a qualifying vaccine or titer, you can simply file a claim to get reimbursed up to the plan’s yearly limit.

As an example, you take your new puppy in for her bordatella vaccine. The total cost is $20. Your dog insurance wellness plan allows you up to $40 of vaccination reimbursements a year. You file a claim, get reimbursed for $20 and still have $20 more dollars to go toward any other vaccines or boosters.

Is pet vaccine coverage worth it?

Since vaccines are covered under a wellness plan, the real question to ask is whether it’s worth it to pay extra for wellness plan coverage. That really depends on your pet’s age and health needs. Some wellness plans cost an extra $15 a month. If you’ve brought home a new pup that will require multiple vaccines over the course of the year, plus they will need to be dewormed, spayed or neutered and microchipped, then a wellness plan can certainly make sense. For other pup parents, it might make more sense to pay for the spay surgery out of pocket.

 


 

Can I Get Multi Dog Insurance?

Not only can you, but you’ll typically save money by enrolling more than one dog or pet at the same time. But while you may enroll more than one dog at a time, each dog will have their own plan. You don’t buy one policy that covers all of the dogs or pets in your household. Though most providers make it incredibly easy to manage each plan’s coverage from one central account.

It actually works to your benefit to not have one plan for all of your pups but to rather have separate plans for each. In this way, you can have complete control over your deductible, coverage caps, reimbursement rates and monthly premiums. If you have pups of different breeds and ages and with different health issues, this can help you make the right financial decisions for your specific needs and budget.

If you’re not sure whether your short list of providers offers multi-dog discounts, get on the phone and ask them. Again, most dog insurance providers offer between 5% and 10% when you insure more than one pet through them.

The important answers to help you make an informed decision.

What is dog insurance?

Dog 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 dog insurance plan that works for you and your pet so that your pet will always be cared for.

Are pre-existing conditions 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 dog insurance for your pup while they’re still young. Most dog insurance companies will enroll pets as young as six weeks old.

How are dog insurance costs determined?

Dog insurance costs are determined by multiple factors including your dog’s age, breed, health history and your zip code. You can quickly and easily get a customized quote from multiple providers.

How do I buy a dog insurance plan?

It all starts with doing some research to understand what a provider offers in terms of coverage and how much they charge for that coverage. You can do that research the hard way, by searching the Internet for information and creating your own comparison chart, or you can use our handy comparison chart to make the right pet insurance decision for you and your pup.

Is dog insurance worth it?

That’s a fairly easy question to answer. Simply ask yourself if tonight, your dog needed to be rushed to the emergency clinic because she was vomiting and listless, and it turned out she needed an operation to save her life and to be hospitalized for two days, and the total bill came to $8,000, would you be able to pay this bill or would you have to tap into your savings or worse, go into debt to save your pup’s life?

For most people, a dog insurance plan is completely worth the low monthly premium to get peace of mind.

Can I visit any vet?

Yes, a dog insurance plan allows you to visit any licensed vet or emergency clinic in the United States. This is great because it means even if you are on vacation with your pup, your insurance will work as long as the vet or clinic is licensed.

What is the best age to insure my dog?

When should you get pet insurance? As soon as possible. Young puppies can have sudden accidents and illnesses just like older dogs. Young pups are also cheaper to insure, so it really does benefit you to enroll your pup as soon as you bring her home!

Get a quote today

Leave a review