Comparing Puppy & Dog Insurance Plans: Find & Compare the Top Pet Insurance Companies

 

Best Dog Insurance Plans

Some say that, in life, you should expect the unexpected. You probably know that is easier said than done. Dog insurance provides invaluable peace of mind that your dog will be protected should the unexpected happen, regardless of your financial situation.

The best dog insurance is the one that is right for you. One dog insurance plan may not be a good fit for you, while another would be perfect. This is why it’s so important to compare pet insurance plans before committing to an insurance company. This way you can avoid any surprises later on.

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Choosing the best pet insurance plan isn't about finding the cheapest option. It’s all about finding the coverage that best meets your needs and budget; without sacrificing your pet’s health by giving him the best possible vet care.

There are numerous pet insurance providers to select from and each of them make lofty claims about what they can do for you and your pet. It's critical to evaluate different pet insurance companies after comparing them so you can find the best policy and price.

When it comes time to enroll in a pet plan, you need to make sure the pet insurance plan is one that provides adequate coverage at an affordable price.

Most pet insurance providers have affordable pet insurance plans but they also offer full complete coverage, so be sure to compare and find the best pet insurance for you!

It's also critical to look for pet insurance companies that provide excellent customer service, as you will want them to be there for you when you need it most. You will need to be able to interact with someone directly about your questions and concerns, as well as to receive cost information that is simple to understand. It's also important to look into pet insurers with the best pet health care network; this will ensure your pet is covered by nearly every licensed veterinarian, depending on what policy you opt for. Here are the top pet insurance companies based on reviews from pet parents just like you!

us

US Insurers

Cost per month Coverage Deductible Age Limit Rating* Review Volume

$15 - $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more.

You can choose a co-pay of 10%, 20%, 30% or 40%.

The pay-out amount is based on your actual vet bill.

You can choose an annual deductible of $100, $250, $500 or $750*

*Choice depends on age of the pet

Pets must be at least 8 weeks old and under 14 years old at time of enrollment.

Once enrolled, pets can stay insured regardless of age.

9.7 Out of 10
Reviews
6764
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Policies start at $10/Month

Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%,
80%, or 90% after the deductible. 

$100, $250 or $500 annually.

Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage
for pets as they age. 

9.7 Out of 10
Reviews
280
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Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.

We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement. 

Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.

We have no age limits, but your pet will need to be at least 8 weeks old to enroll.

9.7 Out of 10
Reviews
124
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Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.

Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.

3 options: $100, $250, and $500

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

9.7 Out of 10
Reviews
41
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Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment and gender and the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim. Premium changes over time are due to changes in the average cost of care for pets similar to yours based on claims made and inflation.

 

90% of eligible expenses are covered with all Trupanion policies (after deductible).

All plans cover:

  • Hereditary conditions (i.e. hip dysplasia, diabetes, etc.)
  • Congenital conditions (i.e. heart disease, cataracts, liver disease, etc.)
  • Unidentified conditions (i.e. vomiting/diarrhea, cough, change in weight, etc.)

Additional riders offer coverage for:

  • Recovery and Complementary Care (acupuncture, chiropractic, physical therapy, etc.)
  • Pet Owner Assistance (boarding costs if you are hospitalized, advertising a lost pet, etc.)

Plans do not cover:

  • Exam fees
  • Wellness, elective and cosmetic care
  • Taxes
  • Pre-existing conditions

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *Trupanion say:"This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer".

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The Trupanion policy allows you to enroll your pet from birth until their 14th birthday.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

9.6 Out of 10
Reviews
40490
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Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

$100, $250, $500, $750 or $1000 annually.

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

9.6 Out of 10
Reviews
106
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$13 - $100, depending on your chosen plan. 

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan.

The pay-out amount is based on your actual vet bill.

Annual deductible options from $100 - $1,000.

Pet must be at least 6 weeks old to enroll. 

New pets over 14 are eligible for accident-only coverage.

Once enrolled, pets can stay insured regardless of age. 

9.3 Out of 10
Reviews
10180
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Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

$100, $250 or $500 annually.

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

9.3 Out of 10
Reviews
149
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$5 - $90 depending on coverage options chosen.

You have a co-pay of 20% after your annual deductible. 

The pay-out amount is based on your actual vet bill.

Choose from $100 - $1,000 annual deductible.

Pets must be at least 8 weeks old to enroll with no upper age limit

Coverage options available for senior pets.
 

9.2 Out of 10
Reviews
98
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$12 - $80, depending on your chosen plan.

Select either the Accidents Only Coverage or Total Coverage plan. Both plans have annual limit options of $2,500, $3,000, $4000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. You can also select a Reimbursement percentage of 70%, 80% or 90% and an Annual Deductible of either $100, $250 or $500.

The Total Coverage plan covers accidents and illnesses, hereditary and congenital conditions. Behavioral Treatments, as well as Alternative Therapies are covered.

The Accident Only Plan does have allowances for Alternative therapies.

Both plans offer a Wellness plan as an extra option.   

$100, $250 or $500 annually.

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

9.2 Out of 10
Reviews
83
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Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

$100, $250 or $500 annually.

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

9.1 Out of 10
Reviews
5554
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Depends on your chosen plan.

You have a co-pay of 10%, 20% or 30% after your deductible.

The complete sick visit, including the exam fees, are covered. The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada, including ER and specialty hospitals.

Comprehensive non-routine dental coverage for oral disease and injuries, including periodontal disease, extractions, and advanced treatments such as root canal therapy are covered as standard in the policy with no dental condition limits. 

 

Alternative, holistic and homeopathic therapies are covered as standard on every policy at no extra cost, including acupuncture, physical therapy and hydrotherapy.

 

Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits for policies with a $15,000 or greater annual limit. 

 

Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.

 

No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.

 

Behavioral treatments, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling, are covered for policies with an annual limit of $15,000 or more.

Annual deductible from $250 to $1,000.

Per condition deductibles from $250 to $2,500 also available.

Pet must be at least 6 weeks old to enroll. 

No upper age limits for enrollments apply.

9.1 Out of 10
Reviews
5392
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$6 and up, depending on your chosen plan.

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. 

Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states).

Two optional Wellness plans to cover routine care. 

24/7 Pet Helpline, powered by whiskerDocs is included on all policies. 

The pay-out amount is based on your actual vet bill. 

$50 - $1,000 annually.

Pet must be at least 7 weeks old to enroll. 

Pets Best does not restrict coverage or availability for older pets.

9.0 Out of 10
Reviews
6924
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$5 - $90 depending on coverage options chosen.

You have a co-pay of 20% after your annual deductible. 

The pay-out amount is based on your actual vet bill.

Choose from $100 - $1,000 annual deductible.

Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.

8.8 Out of 10
Reviews
872
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$9 to $135 on average depending on chosen plan.

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible.   

The pay-out amount is based on your actual vet bill.

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Must be 8 weeks or older to enroll. No upper age limits apply.

8.8 Out of 10
Reviews
578
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$17-$65 max, depending on the monthly expenses in the community.
The current average for dogs is $45 and $33 for cats.

Comprehensive: accident, illness, and wellness. ~80% reiumbursement, based on the average national pricing for a procedure. A regional variance in veterinary costs is taken into account.

$250 out-of-pocket

No age limits

8.3 Out of 10
Reviews
17
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$16 - $100, depending on your chosen plan.

You have a co-pay of 10% - 30% after your deductible. 

The pay-out amount is based on your actual vet bill.

$50 - $500 per incident.

Pet must be at least 8 weeks old to enroll. 

No upper age limits apply.

7.7 Out of 10
Reviews
1348
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$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.

 

You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.

 

$100 - $1,000 annually.

 

Pet must be at least 8 weeks old to enroll.

Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.

 

6.3 Out of 10
Reviews
998
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us

US Discount and Pet Health Protection Providers

Cost per month Coverage Deductible Age Limit Rating* Review Volume

$9.95 to $21.95 per month depending on whether you have cats or dogs and how many.

Pet Assure is a savings plan that offers a 25% discount on all veterinarian treatment from participating practices for in house medical services and can be used alongside Pet Health Insurance.

No Deductible

No age Limits

9.4 Out of 10
Reviews
9
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canada

Canadian Insurers

Cost per month Coverage Deductible Age Limit Rating* Review Volume

Monthly cost varies due to multiple factors including: your pet's breed, age at enrollment, and gender, the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.

 

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 minutes. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest.

 

Offers a flexible deductible from $0 - $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet's life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

 

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

 

9.4 Out of 10
Reviews
19872
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$16 - $60, depending on your chosen plan.

You have a co-pay of 10%, 20% or 30% after your deductible. 

Non-routine exam fees, including at ER and Specialists, are covered.

The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada.

Annual deductible from $100 to $2,500.

Per condition deductibles from $100 to $2,500 also available.

Pet must be at least 6 weeks old to enroll. 

No upper age limits apply.

9.1 Out of 10
Reviews
3898
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$19 - $89, depending on your chosen plan.

You have a co-pay of 10%, 20% or 30%.

The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.

$100 - $700 age-based annual deductible.

Pet must be at least 7 weeks old to enroll. 

7.9 Out of 10
Reviews
438
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$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.

 

You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.

 

$100 - $1,000 annually.

 

Pet must be at least 8 weeks old to enroll.

Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.

 

6.3 Out of 10
Reviews
998
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Premiums will vary depending on your plan choice, breed and location. 

 

Choose between 4 levels of cover for Accident, Illness and Dental treatment.

Secure 1 offers $1,000 per Accident cover, $1,000 Illness cover per condition, per year and $200 Dental cover.

Secure 2 offers $2,500 per Accident cover, $2,500 per condition, per year Illness cover and $300 Dental cover.

Secure 3 offers $5000 per Accident cover, $5,000 per condition per year cover and $400 Dental cover. 

Secure 4 offers unlimited cover for Accidents and Illness and $600 per year Dental cover, and Wellness cover.

Plans offer 80% coverage (20% co-insurance) after annual deductible satisfied.

 

Annual- Age Based Deductibles

Deductible A

$100 - $500

Deductible B

$200 - $700

 

*Secure 4 with Wellness Care

Deductible A

$250 -$500

Deductible B

$300 - $700

 

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

 

4.6 Out of 10
Reviews
205
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As low as $10.19 per month for cats and $15.20 per month for Dogs

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

$200 Annual Deductible

7 Weeks

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

0.0 Out of 10
Reviews
0
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As low as $15.50 per month for cats and $17.28 per month for Dogs

Furkin will cover:

Alternative Therapies

Anesthesia & Surgery

Applicable Taxes

Behavioural Therapy

Dental Tooth Fracture

Diagnostics

Emergency Care

Euthanasia

Exam Fees

Hospitalization

Imaging – CT Scans, MRI and X-Rays

Medical Devices

Medical Procedures

Prescription  Medications

Referral and Specialist Fees

Parasites

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

7 Weeks

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

0.0 Out of 10
Reviews
0
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How Does Pet Insurance Work?

Simply put, pet insurance helps you cover the cost of vet bills, so you can rest assured that your dog will receive the best possible care regardless of what your bank account looks like if the unexpected happens.

Similarly to car insurance, the cost of your dog insurance will vary depending on what’s included in your policy, as well as other factors like the age/breed of your dog and where you live.

When you choose a policy, you will pay a premium, usually paid monthly, to carry the insurance. Your chosen insurance policy will define what is covered, such as accidents only or more extensive coverage for wellness visits, etc.The policy you choose will also specify how much of the cost will be covered by your insurance policy and how much you will be responsible to pay. With cost and coverage clearly spelled out for you, there won’t be any unexpected surprises.

When your dog needs care that is covered by your policy, you will pay a deductible, which is stated in your policy. After your deductible, your dog insurance company will typically work with the licensed veterinarian to pay their portion of the cost of care. A representative from your chosen pet health insurance company can talk you through the specifics of how the claim process works for that company.

For example, if your policy offers 90% coverage for new illnesses with a $100 deductible, you will pay $100 at checkout and then 10% of the remaining balance. If your pet gets sick again in that year (or the time period of your deductible), you will only pay 10% of the vet bill, since your deductible will have already been met.

Pet health insurance is for every dog, whether big or small, old or young. The cost of veterinary care can add up very quickly, especially as your dog ages or if he/she has a chronic illness. Even if you believe you have enough money saved up for emergencies, the cost of treatment and follow-up care can cause a tremendous amount of financial burden to  you and your family. Dog insurance will lessen the blow of an unexpected accident or a long-term illness so that your money is still safe enough for you to enjoy your pet and your life.

By viewing dog health insurance as an investment and protection in case of emergency, it becomes less of a question of if you should consider dog health insurance and more of a question of which pet insurance policy is best for you and your dog.

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What Should I Keep In Mind When Searching For a Health Insurance Plan for My Dog?

Many factors go into your choice of which policy works best for you and your pet.

1. Cost of Dog Insurance

One of the biggest things to consider is cost. You will want to determine what you can afford to pay for a monthly premium, as well as how well you might be able to manage the deductible should your dog get sick. Often, plans with a low monthly premium have a higher deductible and vice versa. If you don’t have much flexibility in your budget for a higher deductible, for example, it may be best to choose a plan that costs a little more each month in order to have a lower deductible.

2. Age Of Your Dog

The age of your pet is also important to consider. Many plans require that a puppy reach a certain age (often between six and eight weeks) before offering coverage. Additionally, some pet insurance policies do not cover senior dogs. Plans that do cover senior dogs may have varying levels of coverage as your pet ages, which can also affect the amount of your monthly premiums.

3. How Much Do You Want Your Dog Insurance Policy To Cover?

Finally, you’ll want to consider how much you want your pet insurance policy to cover. Besides accident and illness coverage, many providers now offer wellness plans that cover the cost of routine veterinary care, and advanced treatment for conditions such as cancer. Additionally, you’ll need to think about things such as dog dental care being included in your plan. Of course plans that cover more, often cost more so you will have to decide how much you will want to pay up front versus at the time your pet becomes sick or injured.

With a growing range of dog health insurance policies and alternative ways to fund pet health care, we're confident that you'll find the dog pet insurance options that work for your dog and your finances

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Frequently Asked Questions About Dog Insurance

Pet health insurance is basically the equivalent of 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.

Some dog insurance plans are more expensive than others so it's important to do your research to see how much dog insurance costs before purchasing one for your furry family member. The most comprehensive plans cover everything from checkups to any and all significant illnesses.

Most pet insurance plans have extensive coverage, while some insurance plans only cover certain, specific things. It's important to find a pet insurance plan that works for you and your pet, in the event of an unexpected emergency like an illness or injury

Your dog may not have experienced any serious health problems so far, but a nasty accident or sudden bout of illness may mean you are left forced to pay unexpected vet bills. Without financial support from a pet insurance company, you could be left paying significant amounts of money out-of-pocket. Pet insurance protects both your pet and your pocketbook.

Veterinary treatment for ongoing conditions can potentially add up to hundreds, or even thousands of dollars, which is why so many people prefer that the bulk of the cost of their pet’s health care will be taken care of, no matter what life has in store.

Some people choose not to get pet insurance because they believe that their dogs will never need treatment for anything serious and consider pet insurance as something that's only good for emergencies. Others find it important to have because it gives them peace of mind knowing they can afford to care for their pet if something were to happen to their beloved furry friend.

At Pet Insurance Review, we always recommend getting pet insurance.

From our point of view, and the point of view of many other pet owners, pet insurance is worth it for majority of pet parents.

To learn more, read "Is Pet Insurance Worth It?" This article explores this topic much more extensively.

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

Pet insurance costs are based on your:

  • Dog's age (older pets are usually more expensive)
  • Dog's Breed (there are breeds that are prone to issues, due to hereditary diseases)
  • Location (if you live in a city where there is a high crime rate, you will need to pay more than if you live in an area with low-crime or in an affluent neighborhood).

An example is  a 10-year-old dog named Lola who is spayed and Living in Houston, Texas. She is insured by Healthy Paws. The average monthly premium is $223.

The average cost of dog insurance varies from $15 to $200 per month. Dog insurance is a bit more expensive than cat insurance. But in general, the higher-priced plans have a higher deductible and will pay for more treatments before you pay anything out of pocket. The less expensive ones are not as comprehensive, and they are only meant to cover accidents.

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

If you want to learn more, read "Pet Insurance Cost: How much Is Pet Insurance, Is it affordable?". This article explores this topic much more extensively.

Most dog insurance providers won’t cover pre-existing conditions in any basic plan. This means that if your pet is suffering from a medical condition, or is showing signs of a medical condition before the date your policy starts or during the policy waiting period, any treatment related to the condition is unlikely to be covered by your insurance policy.

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 normally be classified as a pre-existing condition by your insurer. While any claims for treatment related to this condition will not be included, you’ll still be covered for accidents and any additional preventative care or wellness options under your plan.

Because pre-existing conditions aren’t covered by most pet insurance companies, it’s important to take out health insurance for your pet while they’re still young. The great news is that most pet insurance companies will enroll pets as young as 6 weeks old.

Find out more about insuring puppies here

https://www.petinsurancereview.com/how-it-works/insuring-puppies-and-kittens