Comparing Dog Insurance
Find & Compare the Top Pet Insurance Companies
The best dog insurance plan is custom to your pet
By purchasing dog insurance, you promise the best healthcare for your dog.
Things to consider when searching for a health insurance plan for your dog:
What is the cost of available dog insurance options?
Factors like breed and age will determine deductibles and monthly premium offers. When it comes time to enroll in a pet plan, you need to ensure the pet insurance plan provides adequate coverage at an affordable price.
What do you want your plan to cover?
You should consider if you want a plan for emergencies, or do you want coverage for routine care included? It’s also important to look into pet insurers with the best pet health care network; this will ensure your pet is covered by nearly every licensed veterinarian, depending on what policy you opt for.
What are other pet owners saying about the provider?
We recommend choosing pet insurance companies that provide excellent customer service and clear cost information that you understand.
Here are the top pet insurance companies based on reviews from pet parents just like you!
US Providers
- US Providers
- US Discount and Pet Health Protection Providers
- Canadian Providers
- Provider
- Rating
- Review Count
- Deductible
- Age limit
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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 coveragefor pets as they age.
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Cost per month
Your monthly rate is determined by multiple factors, including your pet’s species, gender, breed, age, and zip code, and the deductible amount you choose.
Coverage
The Trupanion policy pays 90% of the bill for all eligible expenses once your deductible is met. Coverage includes: new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. If you want extra coverage for your pet, Trupanion has three additional riders you can add on for an extra fee.*Coverage varies by state. Please review your states policy for full coverage details.
Deductible
Customize your deductible to fit your budget, from $0 to $1,000, in increments of $5. Plus, Trupanion policy deductibles are per-condition and good for the life of your pet. That means no annual resets—once a deductible is met, you never have to pay the deductible for that condition again.
Age Limit
All new pets can enroll from birth until their 14th birthday, once your pet is enrolled, they are enrolled for their life
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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.
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Cost per month
Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage.Those rates vary based on species, age, breed as well as your location.
(Video) Top Pet Insurance Companies 2022 | Vet RecommendationsCoverage
We cover based on the actual vet bill and have options for 90%, 80%or 70% reimbursement.
Deductible
Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.
Age Limit
We have no age limits, but your pet will need to be at least 8 weeks old to enroll.
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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.
- Spot
9.5
142
$100, $250, $500, $750 or $1000 annually
At least 8 weeks old to enroll
Cost per month
Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.
Coverage
The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%
Deductible
$100, $250, $500, $750 or $1000 annually.
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
- Embrace
9.3
10224
$100 – $1,000 annually
At least 6 weeks old to enroll
Request a quote
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.
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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.
(Video) Best Pet Insurance in USA [Detail Reviews] 2022 | Top 10 US Pet Insurance Companies, Cost & Covers -
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 limitCoverage options available for senior pets.
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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.
- Pumpkin
9
47
See Also13 Examples of Good Customer Service and What You Can Learn From ThemTop 10 Resume Builders of 2022: We Tried Them All so You Don’t Have to“Якщо людині є що сказати – в “Yalantis” у неї завжди буде право голосу і можливості реалізувати свої амбіції”, – Дмитро Довгенко | Ukrainian Association of Business Leaders - UABL7 Quick Sites That Let You Check If a Link Is Safe$100, $250 or $500 annually
At least 8 weeks old to enroll
Cost per month
Plans start as low as $30 per month. Prices vary based on plan type, pet breed, age, and location.
Coverage
Every pet is covered by a 90% reimbursement rate to make it easier to say “yes” to the best possible care.
Deductible
3 options: $100, $250, and $500
Age Limit
No upper age limits. Pets must be at least 8 weeks old to enroll.
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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.
- AKC
8.8
879
$100 – $1,000 annually
At least 8 weeks old to enroll
(Video) Pet Insurance: What it costs, what it covers, and how to find the bestCost 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.
- Figo
8.7
582
$100, $250, $500, $750, $1,000 or $1,500 annually
At least 8 weeks old to enroll
Cost per month
$9 to $135 on average depending on chosen plan.
Coverage
You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible.The pay-out amount is based on your actual vet bill.
Deductible
$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.
Age Limit
Must be 8 weeks or older to enroll. No upper age limits apply.
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Cost per month
Plans can start at just $29
Coverage
Customizable reimbursement rates from 70% to 100% 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.
- Provider
- Rating
- Review Count
- Deductible
- Age limit
-
Cost per month
$9.95 to $21.95 per month depending on whether you have cats or dogs and how many.
Coverage
Pet Assureisa savings plan that offers a 25% discount on all veterinarian treatment from participating practicesfor in house medical servicesand can be used alongside Pet Health Insurance.
Deductible
No Deductible
Age Limit
No age Limits
- Provider
- Rating
- Review Count
- Deductible
- Age limit
-
Cost per month
As low as $15.50 per month for cats and $17.28 per month for dogs.
Coverage
Comprehensive accident & illness coverage with up to 80% reimbursement. Use any licensed vet in Canada or the U.S.All plans include coverage for exam fees & taxes, 24/7 telehealth powered by Vetsdirect Limited, and over $3000 in additional pet owner support benefits annually.
Deductible
$100 – $1,150 annually, options vary by pet age.
Age Limit
Pets must be at least 7 weeks and under 14 years old to enroll. Once enrolled, coverage will continue for as long as the pet remains enrolled.
(Video) Pet Insurance 👉 Is it REALLY worth it?? 🤔 Here's the sad truth... -
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.
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Cost per month
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.To view a full list of inclusions and exclusions, check out our sample policy here.
Deductible
Offers a flexible deductible from $0 – $1000, in $5 increments, to fit any budget.Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for a condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limit
All pets under 14 years old can enroll.Once enrolled, pets stay insured regardless of age.
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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 TherapiesAnesthesia & SurgeryApplicable TaxesBehavioural TherapyDental Tooth FractureDiagnosticsEmergency CareEuthanasiaExam FeesHospitalizationImaging – CT Scans, MRI and X-RaysMedical DevicesMedical ProceduresPrescription MedicationsReferral and Specialist FeesParasites
Deductible
$200 Annual Deductible
Age Limit
7 WeeksMust be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled
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Cost per month
$19 – $89, depending on your chosen plan.
Coverage
You have a co-pay of 10%, 20% or 30%.The pay-out amount is based on your actual vet bill and includes coverage of exam fees and taxes.
Deductible
$100 – $700 age-based annual deductible.
(Video) Is Pet Insurance Worth It? A Veterinarians AdviceAge Limit
Pet must be at least 7 weeks old to enroll.
FAQs
Which pet insurance has the best reviews? ›
- Lemonade: Best Overall. ...
- Spot: Most Customizable Plans. ...
- Healthy Paws: Best Coverage Limit. ...
- Figo: Best Extra Coverage Add-on. ...
- Embrace: Best Deductibles. ...
- Fetch: Best Holistic Coverage. ...
- Trupanion: Best for Direct Payments. ...
- ASPCA: Best for New Pet Owners.
- Lemonade: Most affordable plans.
- Spot: Most customizable.
- Healthy Paws: Our pick for unlimited coverage.
- Embrace: Our pick for savings.
- ASPCA: Most experienced.
- Fetch by The Dodo: Our pick for therapy coverage.
μ Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc, which is authorised and regulated by the Financial Services Authority as an insurance company and to undertake insurance mediation under Registration No . 202323 .
Is it worth shopping around for pet insurance? ›Can you afford to pay that bill? If not, pet insurance might be worth considering. Pet insurance helps cover the cost of medical care for your furry friend. It can reimburse you for expenses like cancer treatment, emergency care, prescription medications and surgery.
Does nationwide pet insurance increase with age? ›While most pet insurance companies do indeed raise premiums along with the pet's age, there is one that doesn't: Trupanion. All the rest that we looked at—including Embrace, Nationwide, and even ASPCA—increase premiums with age.
Can I get pet insurance after diagnosis? ›Can you get pet insurance after a diagnosis? Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type. The policy simply wouldn't cover any pre-existing conditions, diagnosed or not.
Is there pet insurance with no waiting period? ›There are no pet insurance plans available without waiting periods. Every pet insurance company has waiting periods before your animal can be covered for care. The reason is simple: pet insurance companies want to make certain people buy coverage before their animals get sick.
At what age is pet insurance the Cheapest? ›Our analysis found that the best prices were after a pet's first birthday until around age six. As your pet gets older, pet insurance costs can increase when you renew the policy.
How can I get discount on pet insurance? ›- Multi-pet enrollment. Most providers offer discounts for insuring multiple pets. ...
- Employer-sponsored plans. ...
- Employee unions. ...
- Wholesale clubs. ...
- Special interest clubs. ...
- Bundling multiple policies. ...
- Military members. ...
- Senior citizens.
- Petplan is the UK's No.1 pet insurer.
- Petplan insure over 1.3 million pets.
- Award winning pet insurance.
- Petplan covers things others don't.
- 98% of Covered for Life® claims paid.
- You won't pay more for claiming.
- Petplan have over 40 years experience helping to keep pets healthy.
Is petplan expensive? ›
PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.
What is a good annual limit for pet insurance UK? ›As a general rule, cover less than £5000 is likely to leave you with problems if your dog gets in a serious accident, and £7000 is the minimum most vets would consider to be fairly comprehensive.
What Vets Do Tesco pet insurance use? ›- Friendly, expert advice from qualified Royal College of Veterinary Surgeons.
- You'll speak to a nurse and could get a call back from a vet.
- 24/7 access to free phone and video calls.
- The option to upload photos whilst on a video or phone call.
Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.
Can I insurance my dog twice? ›Insuring your pet twice is perfectly legal, as long as you don't claim for the same thing with both pet insurance companies. However, having more than one pet insurance policy isn't recommended. Not only will you have to pay for two policies but you could also face problems if you need to make a claim.
How do pet insurance know about pre existing conditions? ›Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet's medical records in order to determine if your pet has any pre-existing medical conditions.
Does nationwide pet insurance cover 90%? ›Nationwide's Whole Pet with Wellness plan covers injury, illness and preventive care in a single plan, with 90% reimbursement on eligible veterinary expenses.
What is the annual limit for nationwide pet insurance? ›Maximum annual limit options
Nationwide Whole Pet with Wellness has only an unlimited coverage limit. The Whole Pet plan has a $10,000 cap and the Major Medical plan applies caps per condition.
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
What is considered a pre-existing condition? ›A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
Can insurance be denied for pre-existing conditions? ›
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
What pet insurance works immediately? ›There is one company that offers almost instant pet insurance coverage, Companion Protect. Companion Protect is a young company with no waiting periods, but it reviews your pet's medical records beforehand, which can potentially take a few days.
Does pet insurance Help with surgery? ›Pet insurance plans may cover medically necessary surgeries, including emergency surgeries and some preventative procedures. Optional or elective surgeries are usually not covered, and some surgeries may be excluded if they're related to a pre-existing condition.
Should you get pet insurance before going to the vet? ›I recommend getting pet insurance BEFORE ever bringing the pet in for an exam. In my experience, owners with pet insurance are able to make decisions based on expected prognosis rather than cost when they know that some or all of the veterinary care is covered.
At what age does dog insurance increase? ›Some pet insurers will increase your premiums because of a claim. And prices are likely to increase more steeply when your pet is older than 7 or 8. And for some breeds prices can start to increase at younger ages.
How Much Is pet insurance a month? ›Monthly premiums can range from as low as $10 to higher than $100, though most pet owners can expect to pay between $30 and $50 per month for a plan with decent coverage. Your pet's age, species and breed, as well as where you live and the coverage you choose, all factor into your insurance rates.
Can I insure an old dog? ›Lifetime pet insurance tends to be the most expensive option, but it can be the best choice for older dogs. If you want to make sure your pooch receives the care they deserve as they get older, this can cover your dog for life, as long as you renew the policy every year.
Does lemonade cover hip dysplasia? ›Lemonade offers one standard pet insurance plan that covers both accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more.
What is the annual deductible for pet insurance? ›Deductibles generally range from $50 to $1,000. The most common deductible chosen by pet owners is $250. When we think of a pet insurance deductible, we typically think of it as being an annual deductible because this is the most common.
How long does pumpkin take to review claims? ›Pumpkin has a 14-day waiting period for accidents and illnesses. Embrace also has a six-month orthopedic condition waiting period for dogs.
Is petplan ultimate worth it? ›
Petplan has a rating of 'Excellent' on Trustpilot with a score of 4.7 out of 5.0 stars from over 10,000 reviews. 85% of customers rated it as 'Excellent' citing a friendly and professional service and no problems when it comes to paying out claims.
What should I look for in dog insurance? ›These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.
How is petplan? ›Petplan's offerings and services are limited. It doesn't pay your vet directly for claims, and it also has a longer waiting period for accidents compared to other pet insurance companies. Petplan also doesn't offer lots of extras, like wellness coverage or a helpline.
Why is my dog insurance so expensive? ›Even if your pet is completely healthy now and you have never made a claim, your pet insurance may still increase. This is because your insurance company is pre-empting large insurance claims based on medical research and history of other pets of a similar breed and age.
What do you get with petplan? ›- Vet fees. ...
- Complementary treatment. ...
- Dental. ...
- Third Party liability insurance. ...
- The cost of finding a lost pet. ...
- Purchase price. ...
- Hospital visits.
Petplan will cover these euthanasia costs provided your pet was suffering due to an injury or illness that your vet believes could not be treated. Costs related to cremation, burial or disposal are not covered. Euthanasia is covered by some pet insurers, but not all.
Does petplan cover MRI scans? ›We cover the cost of MRI scans, CT scans and ultrasounds so your vet can diagnose problems quickly.
What happens to pet insurance when pet dies? ›The "Death from Illness or Injury" section of pet insurance, when applicable, typically covers the purchase or donation price of your pet if it dies or has to be put to sleep by a vet as a result of an illness or injury.
What is the best UK pet insurance? ›- Petplan is the UK's No.1 pet insurer.
- Petplan insure over 1.3 million pets.
- Award winning pet insurance.
- Petplan covers things others don't.
- 98% of Covered for Life® claims paid.
- You won't pay more for claiming.
- Petplan have over 40 years experience helping to keep pets healthy.
PetPlan aren't cheap. In fact, they're among the most expensive pet insurers. How much you'll pay depends on; Your pets breeds.
How is petplan? ›
Petplan's offerings and services are limited. It doesn't pay your vet directly for claims, and it also has a longer waiting period for accidents compared to other pet insurance companies. Petplan also doesn't offer lots of extras, like wellness coverage or a helpline.
What should I look for in dog insurance? ›These can include (but are not limited to): the type of policy; age of your pet; your pet's health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums.
Is petplan ultimate worth it? ›Petplan has a rating of 'Excellent' on Trustpilot with a score of 4.7 out of 5.0 stars from over 10,000 reviews. 85% of customers rated it as 'Excellent' citing a friendly and professional service and no problems when it comes to paying out claims.
What is a good annual limit for pet insurance UK? ›As a general rule, cover less than £5000 is likely to leave you with problems if your dog gets in a serious accident, and £7000 is the minimum most vets would consider to be fairly comprehensive.
What Vets Do Tesco pet insurance use? ›- Friendly, expert advice from qualified Royal College of Veterinary Surgeons.
- You'll speak to a nurse and could get a call back from a vet.
- 24/7 access to free phone and video calls.
- The option to upload photos whilst on a video or phone call.
- Check if your pet is entitled to free treatment.
- Checking you have the level of cover to suit your pet's needs.
- Consider policies with a percentage of co-pay towards claims.
- Keeping your pet healthy.
- Considering spaying or neutering your pet.
Even if your pet is completely healthy now and you have never made a claim, your pet insurance may still increase. This is because your insurance company is pre-empting large insurance claims based on medical research and history of other pets of a similar breed and age.
Does pet insurance go up if you make a claim? ›Will my pet insurance costs go up if I make a claim? More than likely, yes. Your insurance provider may take the view that if you've made one claim, you're more likely to make another – bumping up your premiums as a result. The same is true if you've had to claim for accidents or for losing your pet.
Does Petplan cover diagnostic tests? ›Petplan's Covered For Life® insurance is designed to give pets like Murphy the best possible care. We offer a breadth of cover that allows you to go ahead with the diagnostic tests and treatment that your vet recommends.
Can I cancel Petplan at any time? ›premium you have paid for cover after that renewal date. If you cancel at any other time, we will refund any amount you have paid for cover after the cancellation date. You can find our contact details on the back of this booklet.
Is fetch and Petplan the same? ›
About Fetch by The Dodo
In 2019, Petplan was acquired by Warburg Pincus. In 2020, The Dodo acquired a minority stake in Petplan, rebranding it as Fetch by The Dodo. Its insurance policies are administered by Fetch Insurance Services, LLC and underwritten by XL Specialty Insurance Company and AXIS Insurance Company.
Pet Insurance companies do require medical records in order to enroll any pet in a policy. These companies employ teams of veterinary specialists that are trained to review your pet's medical records in order to determine if your pet has any pre-existing medical conditions.
Are male or female dogs cheaper to insure? ›Most insurance companies will cost you more if you have a male dog – this is because male dogs are more likely to get injured or into fights, causing pay outs. Female dogs can also recover better from disease than males, which can reduce their insurance costs.