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9 Best Pet Insurance Companies for Dogs (2021)

To protect your dog from accidents and unexpected illnesses, consider investing in a pet insurance policy. Read our review of the best pet insurance for dogs to determine which provider is best for you and your pet.

A golden labradoodle on a grey couch with a woman reading behind him. Adobe

As a pet parent, the health of your four-legged friend is of utmost importance. A pet insurance policy can give you peace of mind that potential vet bills won’t break the bank and you’ll be able to handle your pet’s emergency as soon as possible. The This Old House Reviews team reviewed some of the best pet insurance companies and scored them on key metrics, such as customer service, reputation, plan options, monthly cost, and coverage, to help you find the best insurer for your pet.

To give you an idea of how much a pet insurance policy for your dog costs, we included sample quotes from each company for four-year-old dogs of different breeds located in Raleigh, North Carolina.

Top 9 Pet Insurance Companies for Dogs & Puppies

  1. Best Overall: Lemonade
  2. Most Comprehensive Plan: Prudent Pet
  3. Best Coverage Limit: Healthy Paws
  4. Best Deductibles: Embrace
  5. Best Holistic Coverage: Petplan
  6. Most Customizable Plans: Spot
  7. Best Digital Clinic: Pawp
  8. Best for New Pet Owners: ASPCA Pet Health Insurance
  9. Best for Dental Coverage: Pumpkin

1. Best Overall: Lemonade

With a score of 96 out of 100, Lemonade is the ‘Best Overall’ pet insurance provider for a number of reasons. The company operates on a charitable business model and donates unused premiums to a charity of your choice at the end of your policy term. It also has an impressive mobile app with AI technology for customer service, claims filing, and policy management. You can also use the app to keep track of your dog’s health.

Lemonade’s pet insurance plan for accidents and illnesses comes with impressive coverage limit options up to $100,000 at affordable prices. You also have the option to add wellness coverage for routine care, such as annual physicals or heartworm screenings. Additionally, for only a few extra dollars per month, Lemonade will cover vet visit fees and physical therapy, including acupuncture and chiropractic care.

Lemonade pet insurance is currently available in 35 states and Washington D.C. Get a free quote by filling out this easy online form and check if Lemonade is available in your area.

Lemonade Pros and Cons

Pros Cons
Pros Cons
✔ Has a helpful quote and sign-up tool on its website and mobile app ✘ Prices can be higher for animals with a medical history
✔ Has a 48-hour waiting period for accidents ✘ Plans exclude behavioral treatments
✔ Offers a $100,000 coverage limit option

Lemonade Plans

Lemonade offers one standard plan with an add-on for a wellness plan and extra coverage options. Policies exclude pre-existing conditions, elective procedures such as ear cropping or declawing, and behavioral treatments.

Here’s an overview of Lemonade’s coverage options:

  • Accident and Illness Plan: This standard plan covers diagnostics such as blood tests, urinalysis, and X-rays, specialty and emergency procedures, hospitalizations, surgeries, injections, and prescription medications after illnesses or injuries from accidents. The reimbursement options for this plan are 70%, 80%, and 90% and the coverage max options range from $5,000 to $100,000. You can also select an annual deductible of $100, $250, or $500.
  • Preventative Care Add-On: This optional package covers wellness exams, heartworm tests, internal parasite fecal tests, bloodwork, and three vaccines. This package has no annual deductible and covers 80% of costs with specific limits for each service or procedure. Adding this plan to your policy costs around $16–$25 extra per month, depending on the level of coverage you need.
  • Vet Visit Fees Add-On: This optional package covers additional costs such as vet visit fees and exam fees. For around just $4–$9 per month, you can add this package to your policy.
  • Physical Therapy Add-On: This optional package covers the costs of physical treatments, such as acupuncture and chiropractic care that your vet recommends. It usually costs between $1 and $3 per month.

Lemonade Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident and Illness Plan $18.50 $26.67 $17.00 $23.33
Accident and Illness Plan With Preventative Care $34.50 $42.67 $33.00 $39.33
Accident and Illness Plan With Vet Fees and Physical Therapy Coverage $23.67 $34.08 $21.75 $29.83

2. Most Comprehensive Plan: Prudent Pet

Prudent Pet scored a 95 out of 100 and stood out most for its comprehensive coverage in the Ultimate Plan, its most comprehensive pet insurance policy. In addition to providing an unlimited coverage limit for services and procedures from accidents or illnesses, such as cancer treatments and hospitalizations, this plan covers extra unexpected costs, such as advertising for a lost pet, boarding kennel fees, mortality benefits, and any costs associated with a vacation cancellation due to a sick pet.

Get an online quote to compare prices based on your dog’s specific breed, age, and location.

Prudent Pet Pros and Cons

Pros Cons
Pros Cons
✔ Has a vet help chat available 24/7 ✘ Its coverage caps aren’t customizable
✔ Offers a 30-day money-back guarantee ✘ Has higher premiums on accident and illness plans than many competitors
✔ Provides AI services for claims filing

Prudent Pet Plans

Prudent Pet offers three main plans in addition to two add-ons for wellness and vet exam fees. We recommend the Ultimate Plan for the most comprehensive coverage on the market. The reimbursement percentage options for each plan are 70%, 80%, or 90%, and the annual deductible options are $100, $250, $500, and $1,000.

Here’s an overview of the three plans and two add-ons:

  • Accident-Only Plan: This plan only covers accidents such as bite wounds, broken bones, hospitalizations, and swallowed objects, as well as surgery, radiology, diagnosis, and any prescription medications related to the accident or injury. The annual benefit limit for this plan is $10,000.
  • Essential Plan: This plan covers everything in the Accident-Only Plan, in addition to cancer treatments, congenital abnormalities, dental disease, digestive illnesses, eye or ear conditions, skin conditions, hereditary conditions, hip dysplasia, and urinary infections. The annual benefit max to cover vet bills is $10,000.
  • Ultimate Plan: This plan covers everything in the other plans, plus behavioral health and additional benefits, including $500 for advertising for a lost pet, $500 for boarding fees, $1,000 for a mortality benefit, and $1,000 for vacation cancellation fees. This plan also includes an unlimited coverage cap.
  • Wellness Coverage Add-Ons: Prudent Pet offers three wellness add-ons that cover routine and preventative care, such as vaccines or checkups. The Low Plan is a flat rate of $11.95 per month with a total of $210 in coverage, the Medium Plan is a flat rate of $19.95 per month with $315 in coverage, and the High Plan is $29.95 per month with $460 of total extra coverage.
  • Veterinary Exam Fee Coverage: This covers exam or consultation fees associated with any covered treatments. The pricing for this varies depending on your dog’s breed, age, and the plan you select.

Note: None of these plans cover pre-existing conditions.

Prudent Pet Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident-Only Plan $16.35 $23.98 $13.71 $17.91
Essential Plan $37.17 $54.51 $31.15 $40.70
Ultimate Plan $49.15 $72.09 $41.19 $53.83

3. Best Coverage Limit: Healthy Paws

Although Healthy Paws offers only one plan option, it stands out among competitors for its coverage limits, earning a score of 93.5 out of 100. Healthy Paws has no coverage cap for claim payouts, which includes per-incident, annual, or lifetime caps.

The company also has a comparison tool that recommends you to other companies when it considers quotes too expensive. For example, our quote on a Golden Retriever was $64.49, and Healthy Paws recommended seven other providers that could offer a better price. Use this online tool to get a free quote and compare pet insurance policy pricing.

Healthy Paws Pros and Cons

Pros Cons
Pros Cons
✔ Offers a 30-day money-back guarantee ✘ Offers only two deductible and reimbursement options
✔ Makes charitable donations with every filled-out quote ✘ Doesn’t provide wellness coverage
✔ Has an easy online quote and sign-up tool

Healthy Paws Plans

Healthy Paws offers only one plan with reimbursement options of 70% or 90% and deductible options of $250 or $500. The plan has unlimited coverage on payouts, provides general coverage for accidents and illnesses, and covers hereditary conditions, congenital conditions, chronic conditions, cancer, diagnostic treatments, X-rays, blood tests, ultrasounds, surgery, emergency or specialty care, and prescription medications.

Pre-existing conditions, preventative care, routine care, spay or neuter procedures, and vet bills related to a visit or exam fees are all excluded in Healthy Paws’ plan.

Healthy Paws Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident and Illness Plan $43.63 $64.49 $34.88 $52.99

4. Best Deductibles: Embrace

Tied with Healthy Paws, Embrace scored a 93.5 out of 100. Not only does Embrace offer five deductible options of $200, $300, $500, $750, or $1,000, allowing you to customize your monthly premium, but it also allows you to select annual coverage limits of $5,000, $8,000, $10,000, $15,000, or $30,000, as well as a reimbursement percentage of 70%, 80%, or 90%.

Not to mention, Embrace has a benefit called the Healthy Pet Deductible, which helps decrease your deductible by giving you a $50 credit each year that you don’t submit any claims on your dog—this will reduce your out-of-pocket spending whenever you do need to file a claim.

To get a free quote from Embrace and learn more about its diminishing deductible, fill out this easy online form.

Embrace Pros and Cons

Pros Cons
Pros Cons
✔ Covers hip dysplasia ✘ Has limited customer service hours
✔ Has a wellness add-on that includes a 100% reimbursement ✘ Doesn’t have an unlimited coverage cap
✔ Offers a free medical history review

Embrace Plans

Embrace offers an Accident and Illness Plan and provides wellness coverage at an additional cost. With the Accident and Illness Plan, you’ll need to provide a recent vet report from within the last 12 months or get a free medical history review within the first 14 days of coverage to be eligible for coverage.

Here’s an overview of what’s included in Embrace’s standard plan and additional coverage option:

  • Accident and Illness Plan: This plan covers accidents and illnesses, such as cancer, chronic conditions, congenital conditions, dental trauma, and genetic conditions. It also covers procedures and services related to these incidents, such as exam fees, prescription drugs, allergy testing, X-rays, lab tests, and physical therapy.
  • Wellness Rewards for Routine Care: This protection covers 100% of the cost of routine care up to the selected annual rewards option of $250, $450, or $650. This can include flea or heartworm medications, microchips, spay or neuter surgery, acupuncture, vaccinations, grooming, teeth cleaning, and more.

Embrace Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident and Illness Plan $38.03 $52.51 $30.18 $60.96
Accident and Illness Plan With Wellness Rewards for Routine Care $73.45 $87.93 $65.60 $96.38

5. Best Holistic Coverage: Petplan

With an impressive score of 91.5 out of 100, Petplan is an ideal pet insurer with comprehensive policies that cover your dog’s accidents and illnesses. It covers up to $1,000 for behavioral therapies your vet recommends for your dog, and it also offers complete coverage for holistic care, including chiropractic care, homeotherapy, acupuncture, stem cell therapy, and other alternative therapies.

Get a free quote on Petplan’s website to check prices on your dog’s policy.

Petplan Pros and Cons

Pros Cons
Pros Cons
✔ Covers your dog’s exam fees, which are often excluded by competitors ✘ Requires dogs to have annual check-ups to keep coverage
✔ Covers ACL or other ligament issues after six months ✘ Doesn’t offer wellness or routine care coverage add-ons
✔ Offers an unlimited coverage option, which excludes any payout limits

Petplan Plans

Although Petplan offers only one plan for accidents and illnesses and doesn’t offer any wellness or routine care add-ons, your premium and policy coverage can be customized with a $5,000, $15,000, or unlimited coverage cap, a $250, $300, or $500 annual deductible, and a 70%, 80%, or 90% reimbursement rate.

A Petplan policy covers treatments, vet visits, and procedures your dog may need, such as surgery, cancer treatments, tooth extractions, hospitalization, rehabilitation, lab tests, diagnostic testing, prescription medications, and more.

Its plan also includes up to $1,000 for TeleVet services online or over the phone, advertising and reward money when a pet is lost or stolen, boarding fees if you’re hospitalized for more than four days and need help taking care of your dog, and reimbursement for vacation cancellation fees.

Petplan Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident and Illness Plan $32.66 $44.05 $40.94 $39.82

6. Most Customizable Plans: Spot

Spot performed well in our review, earning a score of 91 out of 100 for the best customizable plan options. We recommend this provider to pet parents who want a range of different premium price points to choose from based on their selection from six annual limits, three reimbursement percentage options, and five deductibles.

To get a free quote and compare plan pricing, fill out this easy online form.

Spot Pros and Cons

Pros Cons
Pros Cons
✔ Has an unlimited coverage limit option ✘ Doesn’t cover dogs under eight weeks old
✔ Offers a user-friendly quote tool and claims process ✘ Has a 14-day waiting period for accidents
✔ Provides a 10% multi-pet discount ✘ Offers limited preventative care

Spot Plans

Spot offers an Accident-Only plan with minimal coverage at lower monthly premiums and a standard Accident and Illness Plan. For both policies, the customizable reimbursement options are 70%, 80%, and 90%, the available annual deductibles are $100, $250, $500, $750, and $1,000, and the annual benefit limit options are $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited. Coverage for both plans excludes any pre-existing conditions, cosmetic procedures, and breeding costs.

Here’s an overview of Spot’s pet insurance plans and wellness add-ons:

  • Accident-Only Plan: This plan covers injuries and accidents, such as swallowed objects, toxic ingestions, bite wounds, broken bones, torn ligaments, and cuts. It also covers therapy, end-of-life expenses, X-rays, medical supplies, tooth extractions, medications, stem cell therapy, microchip implantation, and other procedures or services needed after an accident.
  • Accident and Illness Plan: This plan covers everything in the Accident-Only Plan, in addition to procedures or services related to your dog’s illness, cancer treatments, and treatments for behavioral problems.
  • Gold Preventative Care: This plan covers dental cleanings, annual exams, heartworm and flea prevention, deworming, heartworm tests, urinalysis, blood tests, fecal tests, and three vaccinations with specific coverage amounts for each exam or procedure. This plan is priced at a flat rate of $9.95 extra per month.
  • Platinum Preventative Care: This protection add-on covers everything in the Gold Preventative Care plan but has higher maximums for each exam, procedure, and medication. It also includes spay or neuter coverage. This plan is priced at $24.95 extra per month.

Spot Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident-Only Plan $19.98 $21.40 $19.98 $21.40
Accident and Illness Plan $34.60 $44.91 $28.55 $44.91

7. Best Digital Clinic: Pawp

We scored Pawp a 90 out of 100 for its unique pet care services. Rather than operating like a typical pet insurance company, Pawp offers a digital clinic with unlimited 24/7 access to licensed veterinarians online through video calls and chat. Pawp also provides a $3,000 emergency fund with each membership to cover accidents and illnesses.

To get a free quote from Pawp, fill out this simple online form and sign up for a membership within seconds.

Pawp Pros and Cons

Pros Cons
Pros Cons
✔ Covers emergencies related to pre-existing conditions with limitations ✘ Only provides $3,000 of coverage
✔ Has upfront vet bill payments, rather than reimbursements ✘ Doesn’t have wellness coverage
✔ Doesn’t have deductibles ✘ Doesn’t have a Better Business Bureau (BBB) profile or rating

Pawp Plans

Instead of offering a standard pet insurance plan, Pawp will pay a single emergency vet bill up to $3,000. This emergency fund has a $0 deductible and a $0 co-pay and can only be used once a year. Using the fund also requires approval from a Pawp vet who will determine whether or not your dog’s condition requires emergency care.

This fund can cover emergencies from pre-existing conditions, as long as there were no symptoms before the effective start date or during the waiting period of the policy. It can also cover immediate treatments for kidney disease, high blood pressure, organ dysfunction, or heart failure, in addition to vet fees.

Pawp Sample Monthly Rates

Pawp has unique pricing when compared with other providers. Rather than quoting premiums based on details such as your location and your pet’s age, breed, and medical history, it simply charges a flat rate of $19 per month for all pets.

8. Best for New Pet Owners: ASPCA Pet Health Insurance

If you just got your first dog, we recommend ASPCA Pet Health Insurance since it offers a wide range of helpful resources, including articles with information on each breed’s common health issues. ASPCA Pet Health Insurance scored an 89 out of 100 in our review, making it a reputable choice among some of the best pet insurance providers in the industry.

Get a quote from ASPCA Pet Health Insurance by entering your location and pet’s details into this easy online tool.

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ASPCA Pet Health Insurance Pros and Cons

Pros Cons
Pros Cons
✔ Includes coverage for exam and vet visit fees ✘ Doesn't have a live chat on the website for customer service
✔ Has a waiting period of 14 days for ligament issues, which is shorter than the industry standard of 6–12 months ✘ Limits its maximum annual coverage option at $10,000, which is lower than many competitors
✔ Offers a local vet finder tool on its and mobile app and website

ASPCA Pet Health Insurance Plans

ASPCA Pet Health Insurance offers two plans: one for accident-only coverage at a lower premium and comprehensive accident and illness coverage for a bit more per month. Each plan’s premium can be customized by choosing between a 70%, 80%, or 90% reimbursement rate, a $100, $250, or $500 annual deductible, and $3,000, $4,000, $5,000, $7,000, or $10,000 annual coverage limits.

ASPCA Pet Health Insurance doesn’t cover pre-existing conditions, elective procedures, cosmetic surgeries, breeding or pregnancy issues, and grooming.

Here are more details about ASPCA Pet Health Insurance’s plans and wellness add-ons:

  • Accident-Only Coverage Plan: This plan includes coverage for accidents and injuries such as broken bones, toxic ingestions, and lodged foreign objects. Under this plan, your policy pays for any necessary treatments related to those covered accidents, such as diagnostic tests, surgery, hospitalization, specialty care, urgent care, and tooth extractions.
  • Complete Coverage™ Plan: This plan covers the treatments in the Accident-Only Coverage Plan and covers those same treatments when they’re related to an illness or other conditions like genetic disorders, hereditary conditions, behavioral disorders, congenital conditions, stomach illness, cancer, and more.
  • Basic Preventative Plan: For an additional $9.95 per month, you can purchase this add-on to cover your dog’s routine care with reimbursement for up to $250 per year. Coverage with this plan includes two vaccines, a fecal test, a heartworm test, a wellness exam, deworming, and a dental cleaning.
  • Prime Preventative Plan: For $24.95 per month, this add-on covers up to $450 per year for the same procedures in the Basic Preventative Plan in addition to spay or neutering, a health certification, flea or heartworm prevention, a bordetella vaccine, a blood test, and a urinalysis for your dog or puppy.

ASPCA Pet Health Insurance Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Accident-Only Coverage $21.40 $21.40 $21.40 $21.40
Complete Coverage $34.60 $48.10 $30.58 $48.10

9. Best for Dental Coverage: Pumpkin

Although Pumpkin scored an 86 out of 100, which is slightly lower than other top pet insurance companies, we found it to be the best pet insurance company for dental treatments. Unlike other insurers, it provides coverage for dental and periodontal illness and covers tooth extractions. Its coverage includes the related costs of exams, procedures, and diagnoses. While the company lost points for its high prices, its premiums are more affordable for smaller dogs, such as Yorkshire Terriers or small mixed breeds.

If you have a smaller dog or are looking for a plan with comprehensive dental treatment coverage, get an easy quote online from Pumpkin to compare pricing based on your pet’s details.

Pumpkin Pros and Cons

Pros Cons
Pros Cons
✔ Has text message customer service available ✘ Its reimbursement percentage isn’t customizable
✔ Offers a 10% multi-pet discount ✘ Has lower annual limit options than other pet insurance providers
✔ Includes microchip implantation in its coverage ✘ Doesn’t have a mobile app

Pumpkin Plans

Pumpkin offers one standard Pet Health Insurance Plan and a preventative wellness add-on. The policy comes with a 90% reimbursement and your choice of $100, $250, or $500 for the annual deductible. You also have the option of choosing between $10,000 or $20,000 for the policy’s annual limit.

Here’s an overview of Pumpkin’s coverage:

  • Pet Health Insurance Plan: This plan covers most common accidents and illnesses, such as digestive issues, hip dysplasia, urinary infections, broken bones, bite wounds, and cancer. Other covered treatments and procedures include radiology, cancer treatments, surgery, and alternative therapies. Additionally, this plan includes extra coverage for dental issues, microchip implantation, and exam fees.
  • Preventative Essentials Pack: This covers annual wellness exams, a full refund for up to two vaccines, one blood test for heartworms and tick diseases, and one fecal test for roundworms, hookworms, or whipworms.

Note: Pumpkin doesn’t cover pre-existing conditions that arise before the effective policy start date or during the 14-day waiting period.

Pumpkin Sample Monthly Rates

Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Breed Medium Mixed Golden Retriever Yorkshire Terrier Poodle
Pet Health Insurance Plan $57.69 $80.19 $50.98 $93.36
Pet Health Insurance Plan With Preventative Essentials Pack $76.64 $99.14 $69.93 $117.31

Our Conclusion

If you’re looking for pet insurance for your dog, we recommend starting your search with these nine providers, as they each offer unique features, coverage, and plan options that set them apart from the competition.

Get a quote from Lemonade for the best overall policies, Prudent Pet for the most comprehensive plans, Healthy Paws for the best coverage limits, Embrace for the best deductible options, Spot for the most customizable plans, Pawp for an impressive digital clinic, ASPCA Pet Health Insurance for new dogs, and Pumpkin for the best dental coverage.

Compare Top Pet Insurance Providers

Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan Spot Pawp ASPCA Pumpkin
Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan Spot Pawp ASPCA Pumpkin
Get a quote Lemonade.com PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com GoPetplan.com SpotPetIns.com Pawp.com ASPCAPetInsurance.com Pumpkin.care
Our score 96 95 93.5 93.5 91.5 91 90 89 86
Sample monthly premium* $18.50 $37.17 $43.63 $38.03 $32.66 $34.60 $19.00 $34.60 $57.69
Number of plans and add-ons 3 5 1 2 1 4 1 4 2
Waiting period 2 days for accidents and 14 days for illnesses 5 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 15 days for all conditions 14 days for accidents and 14 days for illnesses 14 days for accidents and 14 days for illnesses 14 days for accidents and 14 days for illnesses 14 days for all conditions
Customer service Email and chat on mobile app Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Contact form and phone with no weekend availability Email and live chat Contact form and phone with no weekend availability Email, text, phone, and live chat with limited hours
BBB rating** B A+ A A+ A+ A NR A+ A-

*Based on sample quotes for a mixed four-year-old dog in Raleigh, North Carolina

**Based on scores pulled from each company’s BBB profile as of September 1, 2021

How Pet Insurance for Dogs Works

Pet insurance is the best way to get peace of mind and know that you won’t owe an excessive amount of money when your dog gets sick or injured. Additionally, many pet insurance providers offer wellness packages to help keep your dog or puppy healthy with preventive and routine care.

Here’s a helpful breakdown of how pet insurance policies usually work:

  • Reimbursement: With your pet insurance plan, you’ll be reimbursed for vet bills up to a certain percentage chosen by you during the sign-up process. Most companies offer a choice between 70%, 80%, or 90% reimbursement rates. Choose the highest reimbursement option for the lowest out-of-pocket expenses during a claim or the lowest reimbursement option for the cheapest pet insurance premium.
  • Deductibles: Top-rated pet insurance providers, such as Lemonade and Embrace, allow you to select your deductibles to customize your monthly premium. Deductibles are the amount you owe during a claim before coverage starts. For example, if you have a $3,000 vet bill and your deductible is $500, you’ll owe $500 before your provider reimburses you for the rest of the bill. Most providers give you an option between two and five deductible amounts between $100 and $1,000.
  • Coverage maximum: Many pet insurance companies offer a selection of different coverage maximums. For the most comprehensive coverage, look to providers like Healthy Paws, Prudent Pet, and Spot—all three companies offer unlimited payout caps.
  • Claims: Filing a claim with your pet insurance company usually involves sending in documentation from the vet, such as reports, invoices, and receipts. Once the company reviews your claim, you should receive your reimbursement up to the amount agreed upon in the policy within days to weeks. Some companies have a fast and easy claims-filing process. For example, Lemonade’s mobile app and website have AI technology that can handle your claims without involving a representative.
  • Waiting period: After your plan’s effective start date, you usually have to wait a few days before your provider will cover any procedures or vet visits. The industry standard waiting period is 14 days for illnesses and 2–14 days for accidents, but some companies offer different variations that will be specified in their policy details. Lemonade and Embrace have the shortest accident wait period of two days.
  • Exclusions: Pre-existing conditions aren’t covered by any pet insurance company. Pre-existing conditions are defined as any condition your dog has before the effective policy start date or during the dedicated waiting period. This could include chronic conditions or a curable emergency that may have happened just before you purchased your policy. However, most providers do cover vet bills related to hereditary or congenital conditions as long as your dog’s symptoms show up after the initial enrollment and waiting period.

Typical Pet Insurance Plans

Although each company offers unique policies that vary depending on your location, there are three typical pet insurance coverage structures offered by the top providers. Here’s everything you need to know about the common plan types and what they cover:

  • Accident-only plan: As the cheapest and most basic option, this plan is intended only for emergency situations related to accidents or injuries. We recommend purchasing accident-only coverage if you’re looking for basic protection for your dog and have a smaller budget. This option usually covers bite wounds, broken bones, swallowed objects, cuts, toxic injections, and torn ligaments.
  • Accident and illness plan: As the most comprehensive plan option for pet parents, this plan offers full coverage for a variety of accidents and illnesses. It includes everything covered by an accident-only plan, and it also covers procedures, medications, and hospitalizations related to illnesses. This option can also include coverage for cancer treatments and radiology.
  • Wellness plan: Built to cover preventative care and routine vet visits, this plan is great for pet owners who don’t want to worry about fees for vaccinations, annual wellness exams, blood tests, flea medication, and more. Wellness plans typically don’t have deductibles and pay up to specific limits for each procedure or service.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

Frequently Asked Questions

Is pet insurance worth the cost?

Since vet bills can be expensive during emergencies or hospitalizations, purchasing pet insurance coverage can help protect your wallet from excessive spending when your dog gets sick or injured. Luckily, most providers allow you to customize your premium by choosing coverage limits, reimbursement percentages, and deductibles.

How much does pet insurance for dogs cost?

Based on the sample quotes we received, the average premium rate for dog insurance is around $35.50 per month. However, the exact cost will vary depending on your location and pet’s details. We recommend reaching out to a few pet insurance providers to compare pricing and find a policy that fits within your budget.

Can I get pet insurance while my dog is sick?

No. All pet insurance companies exclude pre-existing conditions, so your policy won’t cover any existing illness or injury. However, you can still purchase a policy for coverage on other incidents that may occur in the future.

How do I get a pet insurance quote?

Most insurers feature an online quote tool on their website that allows you to click through a few questions and get an instant quote.

What are some other companies that offer pet insurance for dogs?

In addition to the nine pet insurance providers listed in this review, other pet insurance companies that cover dogs include Pets Best, Nationwide, Bivvy, and Figo.

Do these providers also cover cats?

With top-rated plans for both species, these providers are also the best pet insurance companies for cats. Not to mention, you can get a 10% discount from many of them by adding an additional pet to your policy, so they’re perfect for pet owners with both dogs and cats.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.