Losing your best friend because you can’t afford to pay a hefty veterinary bill is a life-wrecking experience. To avoid such a terrible situation, you can look up options to give your canine companion a safer, healthier, and happier future, without breaking the bank.

In 2018, there were about 90 million dogs dwelling in a household environment across the US. However, only about 1 percent of all dogs are insured from accidents and illnesses, meaning that more than 89 million dogs are still unfortunately left uninsured.

We get it! Dogs are dogs – they play like crazy, stumble and fall, and eat everything on their way – nothing bad ever happens to them. Until it does. Then you’re forced to pay the vet a visit and open up your pocket. 

To avoid spending a lot but still help your beloved canine, you should acquire a proper dog insurance plan or look up some alternative method that caters to this issue. And if you don’t know where to start looking, we’ve got you covered. Here, we have a comprehensive list of the best dog insurance companies you can find today.

So, dig in. Shortlist the options that seem most appealing to you, compare them, and pick the one that’s the best fit for your dog’s needs and your budget.

List of the Best Dog Insurance Companies on the Market

We decided to comprise this list with every company we deem worthy of providing proper dog insurance and healthcare coverage.

Here, you’ll read all about their rating, pros, and cons. We’ll also include a pricing quote chart for each company, so you can take a look at how they price their monthly premiums for several popular dog breeds.

Summary Table

CompanyAverage Monthly Premium Price*Claim Limit OptionsDeductibleReimbursement
Nationwide$93$10.000 – Unlimited, Benefits Schedule
$250

50%, 70%, 90%
Embrace$89$5,000 – Unlimited$200 – $1,00070%, 80%, 90%
Healthy Paws$64Unlimited$100 – $1,00050%, 60%, 70%, 80%, 90%
ASPCA$67$3,000 – $10,000$100 – $50070%, 80%, 90%
Figo$91$5,000 – Unlimited$100 – $1,50070% – 100%
VPI$93$10.000 – Unlimited, Benefits Schedule
$250

50%, 70%, 90%
Progressive$73$5,000 – Unlimited$50 – $1,00070%, 80%, 90%
Trupanion$174Unlimited$0 – $1,00090%
GEICO$89$5,000 – Unlimited$200 – $1,00070%, 80%, 90%
Bivvy$11$1,000 – $5,000$50 – $25050%
AKC$84$3,000 – $10,000$100 – $1,00070%, 80%, 90%
USAA$76$5,000 – Unlimited$200 – $1,00070%, 80%, 90%
Petplan$99$5,000 – Unlimited$250 – $50070%, 80%, 90%
Petco$95$5,000 – Unlimited$100 – $50070%, 80%, 90%
State Farm$174Unlimited$0 – $1,00090%
Hartville$95$2,500 – $10,000$100 – $50070%, 80%, 90%
PetFirst$87$2,000 – $10,000$50 – $50070%, 80%, 90%
Pets Best$73$5,000 – Unlimited$50 – $1,00070%, 80%, 90%
24PetWatch$93$5,000 – $20,000$100 – $1,00080%
Prudent Pet$110$10,000 – Unlimited$100 – $1.00070%, 80%, 90%
SPOT$95$2,500 – Unlimited$100 – $1,00070%, 80%, 90%
PetPartners$97$1,000 – Unlimited$100 – $1,00070%, 80%, 90%
PetPremiumN/A$3,000 – $10,000$100 – $50070%, 80%, 90%
Pumpkin$95$10,000 or $20,000$100 – $50090%
Eusoh$65$8,500$25080%
Pet Assure25% discountUnlimited$025%
Allstate$89$5,000 – Unlimited$200 – $1,00070%, 80%, 90%
MetLife$87$2,000 – $10,000$50 – $50070%, 80%, 90%
CostcoN/A$7,500 – $15,000$300 – $50070%, 80%, 90%
AAA$64Unlimited$100 – $75060%, 70%, 80%, 90%
AARP$89$5,000 – Unlimited$250 – $50070%, 80%, 90%
Liberty Mutual$97$5,000 – Unlimited$100 – $50070%, 80%, 90%
VCA$50Unlimited$0100%
Lemonade$33$5,000 – $100,000$100 – $50070%, 80%, 90%
APICN/A$1,000 – Unlimited$0 – $1,00070%, 80%, 90%
Wells Fargo Health AdvantageFull vet bill
Unlimited

$0

Credit-based payment
Banfield$50Unlimited$0100%
AAHA$99$5,000 – Unlimited$250 – $50070%, 80%, 90%
Wagmo$85$20,000$500 – $1,000100%
Odie$41$5,000-$40,000$50 – $1,00070%, 80%, 90%
Bingo$86$100,000$250 – $1,00080%
Companion Protect$72
$100,000
$50 for in-house vets; $100 for other vets90% for in-network vets; 80% for other vets
TrustedPals$98$4,000 – Unlimited$0 – $75070%, 80%, 90%, 100%
Pawp$19$3,000$0100%
Toto$92$2,500 – $15,000$100 – $50070%, 80%, 90%

*Prices vary depending on the dog’s breed, age, gender, and location. The above prices reflect a monthly premium for a mixed breed, 5-year-old, male dog based in New York. 

Without further ado, let’s jump into each company review.

1. Nationwide

  • AM Best Rating: A+
  • BBB Rating: A+

Where else would a dog lover find a decent cat healthcare coverage if not in a company comprised of dog lovers? Nationwide is a veteran in the pet industry, covering an all-encapsulating list of benefits that suit any dog’s breed, gender, age, and size.

Their plans include coverage for everything from hereditary and chronic diseases to holistic and alternative treatments. They impose no bilateral conditions, reimburse up to 90% of your vet bill, and are valid anywhere in the world.

Pros

  • Coverage for accidents, illnesses, and wellness;
  • Whole Pet with Wellness plan comes with a 90% reimbursement percentage;
  • Bilateral conditions are covered;
  • Exam period is not required;
  • Dogs are covered for accidents and illnesses anywhere in the world.

Cons

  • No coverage for pre-existing conditions and grooming;
  • Major Medical plan uses a benefits schedule system – this waives the 90% reimbursement method; instead, every incident has a set amount that you can be reimbursed with;

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$250
Annual Limit$10,000$10,000Per-incident
Reimbursement90%90%Per-incident
Monthly Premium$94.92$98.54$111.64

Read the full Nationwide Pet Insurance review.

2. Embrace

  • AM Best Rating: A+
  • BBB Rating: A+

If you’re a fan of discounts and great customer support, Embrace might be a good choice for you. They offer a thorough medical history review for your dog, so you’ll know what kind of coverage you get from the very beginning.

They’re famous for the Wellness Rewards program which includes dental cleaning, massages, vaccines, and more. Each year you don’t submit a claim with Embrace, they decrease your annual deductible by $50.

Pros

  • Annual deductible ranging from $200 to $1,000;
  • Top-industry Wellness Rewards plan;
  • Medical History Review;
  • Worldwide dog travel insurance;
  • 5% discount for military and 10% discount for multiple pets;
  • $50 decrease on deductible if you go claim-free for a full year.
Embrace Dog Insurance featuring a dog

Cons

  • No illness coverage for 15-year-old and older dogs (accident-only coverage available);
  • Bilateral conditions aren’t covered (not suitable for dogs prone to cruciate ligament problems);
  • Extra fees – $1 for monthly transactions and $25 enrollment fee.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$300$200
Annual Limit$15,000$5,000$10,000
Reimbursement90%80%80%
Monthly Premium$98.84$77.65$118.46

3. Healthy Paws

  • AM Best Rating: A++
  • BBB Rating: A+

Healthy Paws not only offer top-rated dog insurance, but they also care for all those animals in need of shelter and basic healthcare by regularly donating through their Every Quote Gives Hope™ program.

What makes Healthy Paws so amazing is that they have no annual or lifetime limits on their coverage, they offer direct vet bill payments, and you can transfer your dog insurance policy to anyone else with no interruptions to its effect.

Pros

  • No per-incident, annual, and lifetime limits on coverage;
  • Option for direct vet bill payment;
  • Regular donations on every quote for homeless animals;
  • Option for policy transfer to another person;
  • Claim processing is 2 days on average.

Cons

  • Lack of a wellness plan option;
  • Age restrictions for older pets – dogs older than 4 can’t enroll in New York, and dogs over 6 won’t be covered for hip dysplasia in all states. Also, across all of the US dogs over 8 have claim limitations on their coverage.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age246
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$500$500
Annual LimitUnlimitedUnlimitedUnlimited
Reimbursement80%70%70%
Monthly Premium$84.40$105.22$78.51

4. ASPCA Dog Insurance

  • AM Best Rating: A
  • BBB Rating: A+

The ASCPA is a wonderful organization working tirelessly to diminish animal cruelty and help those in need. They also offer dog insurance through ASPCA Pet Health Insurance, which is great because it allows for pre-existing conditions coverage if your dog has been healthy for 6 months.

The company also boasts decent claim processing times, options for direct vet bill payments, and even offers coverage for vaccines, tick and flea prevention, and dental cleanings. 

Pros

  • No dog’s age restrictions;
  • 8-9 days on average for claim processing;
  • Coverage for curable pre-existing conditions;
  • Option for direct vet bill payment;
  • Wellness plan available;
  • Accident-only plan available;
  • 30-day money-back guarantee.

Cons

  • ASPCA dog insurance plans aren’t very flexible. You are allowed to customize your policy once a year;
  • There have been customer complaints about receiving lower reimbursement than expected;
  • Transaction fees of $2/month if you’re not set up with annual billing.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$10,000$7.000$7,000
Reimbursement90%80%80%
Monthly Premium$90.76$88.52$93.26

5. Figo

  • AM Best Rating: A-
  • BBB Rating: B

Offering a really comprehensive dog health coverage handled through an impressive smartphone app, Figo is definitely a most reliable option for anyone seeking some peace of mind regarding their dog’s wellbeing.

Their plans are as flexible as they are affordable. Dogs are not age-restricted and Figo reimburses claims quickly and up to 100% – not a standard in the pet insurance industry.  

Pros

  • Dog insurance policy is extremely flexible with annual deductible starting at $100 and capping at $1,500, reimbursement percentage going from 70% to 100%, and annual claim limits ranging from $5,000 to unlimited;
  • The Figo Pet Cloud is a fantastic app for handling all things dog;
  • 24/7 live vet access;
  • No upper age limits for dogs;
  • 10% discount for multiple pets.

Cons

  • Lack of a wellness plan option;
  • Exclusions for bilateral conditions and behavioral therapy;
  • $2 monthly transaction fee if you don’t pay for a full year.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$250$500
Annual Limit$10,000$5,000$10,000
Reimbursement100%80%80%
Monthly Premium$92.94$89.13$106.75

6. VPI

  • AM Best Rating: A+
  • BBB Rating: A+

Veterinary Pet Insurance is the first US company that introduced dog insurance in 1982. In 2009 they were acquired by Nationwide and now their insurance policies are administered by them.

It’s important to know that they offer a vet helpline – live veterinary guidance about your dog’s health, from general questions to identifying urgent care needs. 

Pros

  • Extensive coverage for every dog healthcare area: accidents, illnesses, wellness, routine, and preventive care;
  • Option for Unlimited claim payout and 90% reimbursement rate;
  • Coverage for bilateral conditions;
  • Worldwide travel insurance;
  • Live vet helpline;
  • Exclusive plans and discounts available to employees.

Cons

  • Their Major Medical plan is set up with a benefits schedule (less effective than the reimbursement method);
  • The Wellness plan excludes grooming.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$250
Annual Limit$10,000$10,000Per-incident
Reimbursement90%90%Per-incident
Monthly Premium$94.92$98.54$111.64

7. Progressive

  • AM Best Rating: A+
  • BBB Rating: A+

Pets Best is the company behind Progressive’s dog insurance offers. They administer their policies which cover your four-legged family members for wellness, accidents, and illnesses. 

Their monthly premiums are quite affordable and can be as low as $1/month. Worth noting is that if you have auto insurance through Progressive, you can be reimbursed with up to $1,000 on your veterinary costs if you have a dog injured in a car accident.

Pros

  • Affordable BestBenefit Accident and Illness Plan;
  • Accident-Only Plan available;
  • Optional Wellness Routine Care Plan;
  • Option for direct vet bill payment;
  • Customizable policies;
  • Extra benefits for accidents with every auto insurance policy.

Cons

  • No coverage for exam fees, cremation, and burial;
  • Progressive doesn’t allow bundling their pet insurance policies with those of other companies.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$500$500
Annual LimitUnlimitedUnlimitedUnlimited
Reimbursement90%80%90%
Monthly Premium$80.87$113.16$100.69

8. Trupanion

  • AM Best Rating: Unrated
  • BBB Rating: A

Trupanion is one of those companies that are very upfront with what they offer. Knowing exactly what your policy will include sets you up with peace of mind that there’ll be no surprises in the future.

Their dental coverage and the option for fast direct payment of your vet bill are some of the notable features that Trupanion is recognized for in the insurance industry.

Pros

  • Deductible can be as low as $0;
  • 90% reimbursement rate on an unlimited claim coverage;
  • Top-notch dental care insurance;
  • No bilateral exclusions;
  • Additional options for physical therapy, acupuncture, hydrotherapy, and behavioral therapy and training;
  • 30-day money-back guarantee.

Cons

  • Trupanion doesn’t use an annual deductible. They have per-incident deductibles which are much costlier;
  • Dogs over 13 aren’t eligible for coverage;
  • Expensive options: a $35 enrolment fee and 20% increase on premiums each year.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Per-Incident Deductible$500$500$500
Annual LimitUnlimitedUnlimitedUnlimited
Reimbursement90%90%90%
Monthly Premium$125.63$215.57$131.81

9. GEICO

  • AM Best Rating: A+
  • BBB Rating: A+

GEICO is an extremely popular company in the insurance industry, offering everything from home and auto, to life and pet insurance. It should be noted that they sell their pet insurance through Embrace

Here are the pros and cons for signing up your pup with an Embrace insurance policy:

Pros

  • Flexible options for annual deductible;
  • Optional accident-only dog insurance plan;
  • One of the best wellness plans in the industry;
  • Your dog is insured wherever you travel;
  • Discounts for multiple dogs and military members and their families;
  • Lower deductible if you don’t submit any claims on a yearly basis.

Cons

  • Bilateral and pre-existing conditions are not covered;
  • Senior dogs can receive only accident-only coverage if they’re older than 14 (they can’t sign up for illness coverage);
  • $25 entry fee and $1 monthly transaction fee.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$300$200
Annual Limit$15,000$5,000$10,000
Reimbursement90%80%80%
Monthly Premium$98.84$77.65$118.46

10. Bivvy

  • AM Best Rating: A
  • BBB Rating: N/A

If you’re up for an affordable dog insurance plan offered by a young company that’s trying to find its place on the market, try Bivvy.

Although good for starters, Bivvy offers a low reimbursement rate and is quite limited on claim payout, so it might not be suitable for everyone.

Pros

  • Monthly premiums range from only $9/month to $15/month;
  • Optional wellness plan available for an affordable price;
  • No veterinary exam required for enrollment;
  • Coverage for hereditary and congenital conditions, endodontic treatments, and euthanasia;
  • No bilateral exclusions.

Cons

  • Only 50% reimbursement rate;
  • Deductibles are per-incident and priced at $50 – $250;
  • Low annual limits ($1000 – $5,000) and low lifetime limit ($25,000);
  • Currently only available in a dozen states (AL, AZ, CO, CT, GA, IA, IL, IN, KS, LA, MD, MI, MN, MO, NC, OH, OR, SC, TN, TX, UT, VA, and WI).

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateConnecticutOregonTexas
Per-Incident Deductible$100$250$100
Annual Limit$2,000$3,500$2,000
Reimbursement50%50%50%
Monthly Premium$11$11$15

11. AKC Dog Insurance

  • AM Best Rating: A-
  • BBB Rating: A+

The AKC has been promoting responsible dog ownership for over a century. Now, in partnership with PetPartners, they offer dog insurance to AKC customers.

With various options to choose from and several discount options, AKC members can find the AKC Pet Insurance policies most suitable for maintaining the wellbeing of their purebred dogs.

Pros

  • Basic Coverage plan with a minimal per-incident payout limit;
  • Custom Coverage plan with options for unlimited payouts;
  • Comprehensive add-ons for wellness, exam, hereditary conditions, and final respects coverage;
  • No veterinary exam required for enrollment;
  • 5-10% discount options for AKC members;
  • Free 30-day dog insurance policy for AKC members.

Cons

  • Bilateral conditions are not covered;
  • $3-$4 monthly transaction fees;
  • Dogs over 9 years are ineligible for illness coverage.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$100$250$500
Annual Limit$15,000$10,000$10,000
Reimbursement90%90%20%
Monthly Premium$92.55$96.21$100.49

12. USAA Dog Insurance

  • AM Best Rating: A+
  • BBB Rating: A+

Here, we’ll recap the notable features that come with opting for dog insurance by Embrace since USAA Dog Insurance is administered by them.

Everything you get with Embrace will come included on your USAA dog insurance. The only difference is that you’ll get a bigger discount if you order through USAA.

Pros

  • An Embrace dog insurance policy is 15% cheaper if you’re a USSA member;
  • Coverage for curable pre-existing conditions (if the dog goes symptom-free for 12 months);
  • Worldwide dog travel insurance;
  • One of the shortest waiting periods for accidents in the industry (48 hours);
  • Wellness plan available;
  • Accident-only plan available.

Cons

  • Only military members and their close families can become a part of the USAA. So, this is the only group eligible for a 15% discount at Embrace.
  • Dogs that are 14 or older can sign up for illness coverage (they can get only accident coverage);
  • $1 monthly transaction fees.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$300$200
Annual Limit$15,000$5,000$10,000
Reimbursement90%80%80%
Monthly Premium$84.01$66$100.69

13. Petplan

  • AM Best Rating: A+
  • BBB Rating: A

Dogs are a huge part of the Petplan family. Their team dedicates time to learn how they function and what’s best for their health, so they regularly update their dog insurance policies to provide the best possible healthcare coverage.

One of the most recognizable Petplan features is their End of Life policy. Currently, they even offer COVID-19 coverage for dogs.

Pros

  • Coverage for viruses like COVID-19 with reimbursement of up to $1,000 for online vet visits with no deductible and copayment;
  • No age, annual, or lifetime limits;
  • Coverage for exam visits and boarding fees if your dog is hospitalized for four or more days;
  • 30-day money-back guarantee;
  • Coverage for emergency situations – advertising and reward for lost or stolen dog, canceled vacation due to a dog emergencies, etc.

Cons

  • Strict eligibility control – to claim coverage by Petplan, you must take your dog to the vet within 48 hours of the appearance of symptoms;
  • No wellness and preventive care plans available;
  • Expensive monthly premiums; 

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaTexas
Annual Deductible$250$300$500
Annual Limit$15,000$15,000$15,000
Reimbursement90%80%80%
Monthly Premium$85.69$88.58$98.90

14. Petco

  • AM Best Rating: A
  • BBB Rating: B

Everyone knows Petco for being a supplier for all things dog, from food and prescriptions to grooming and training, even adoptions and sitting services. The latest addition to their offers is dog insurance.

With Petco, your canine BFF will receive affordable, but proper accident and illness coverage, with all the perks that come along. 

Pros

  • Flexible and affordable accident and illness coverage for dogs, starting at $1/day;
  • Reimbursement rate of 90%;
  • Excellent options for grooming and training;
  • Option for direct vet bill payment;
  • Free pet concierge service comes included with each plan;
  • 30-day free look period.

Cons

  • No wellness and routine care plans available;
  • A considerable amount of negative responses by customers claiming they’ve been denied reimbursement due to pre-existing conditions reasons.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$15,000$10,000$10,000
Reimbursement90%80%80%
Monthly Premium$101.05$115.25$109.41

15. State Farm

  • AM Best Rating: Unrated
  • BBB Rating: A

Trupanion, a company we reviewed above, is behind State Farm’s dog insurance policy administration.

Being a popular choice because of their great dental care coverage and their approach towards bilateral conditions, Trupanion excels in other areas as well. Here are their pros and cons:

Pros

  • Trupanion Express – a direct vet bill payment option;
  • Options for extra Recovery and Complementary care coverage which includes acupuncture, behavioral modification, chiropractic treatment, hydrotherapy, and more;
  • Unlimited payouts;
  • 90% reimbursement rate;
  • Coverage for bilateral conditions;
  • Top dental care dog insurance;

Cons

  • One of the most expensive options in the industry with a 20% increase in monthly premiums on a yearly basis and a $35 enrollment fee;
  • No wellness plan available;
  • Deductibles are per-incident;
  • Dogs are age-restricted (maximum enrollment age is 13). 

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Per-Incident Deductible$500$500$500
Annual LimitUnlimitedUnlimitedUnlimited
Reimbursement90%90%90%
Monthly Premium$125.63$215.57$131.81

16. Hartville

  • AM Best Rating: A
  • BBB Rating: A+

Hartville is another dog insurance company offering comprehensive dog insurance while keeping things short and simple. 

If you opt for their policy, you can track everything regarding your dog’s coverage online from an app offering a streamlined and intuitive experience.

Pros

  • Flexible policies with several deductible and reimbursement options to choose from;
  • Preventive Care plan available;
  • Accident-Only coverage available;
  • Amazing app where you can submit claims, add more dogs to your policy, set up your direct deposit, pay your vet bill, locate nearby vet clinics, etc.

Cons

  • Hartville’s Preventive Care coverage lacks many of the features similar companies offer for the same type of coverage.
  • Reimbursement for the Preventive Care plan is also quite limited;
  • Coverage for senior dogs gets exponentially more expensive each year.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$10,000$7.000$7,000
Reimbursement90%80%80%
Monthly Premium$90.76$88.52$93.26

17. PetFirst

  • AM Best Rating: A-
  • BBB Rating: A+

PetFirst covers dogs and puppies from nose to tail all the way since 2004. Now they are administered through MetLife, although their policies remain pretty much the same.

PetFirst is known for their dedicated insurance plans for young puppies and those for senior dogs. They have some awesome waiting periods as well.

Important: After 2 years of being acquired by MetLife, PetFirst has finalized its rebranding into the new company. Existing policyholders will retain the same coverage conditions as they did during their time with PetFirst. From now on, new customers will be redirected to MetLife’s website and obtain pet insurance policies through them.

Pros

  • There is no waiting period for accidents coverage with PetFirst, and illnesses coverage becomes available after a 14-day waiting period;
  • Deductible can be as low as $50;
  • Besides the different options for puppies and senior dogs, PetFirst has a routine care plan available as well;
  • Multipet discount, as well as discounts for vet clinic staff and animal specialists;
  • Online knowledgebase with thorough resources.

Cons

  • Only a 14-day free look period (competitors usually offer a 30-day free look period);
  • No accident-only coverage available;
  • The Routine Care plan uses a scheduled benefits system (not as effective as annual claim limit options).

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$10,000$10,000$10,000
Reimbursement90%80%80%
Monthly Premium$82.42$105.51$112.74

18. Pets Best

  • AM Best Rating: Unrated
  • BBB Rating: A+

Pets Best’s founder, Dr. Jack L. Stephens, is known as the father of the pet insurance industry. Since its inception in 2005, Pets Best offers comprehensive and affordable dog insurance policies that cater to all types of dog owners.

Pros

  • Flexible options on the accident and illness plan to please every dog parent;
  • Two tiers for preventive care coverage;
  • No age restrictions for dogs;
  • No payout restrictions for lifetime coverage;
  • Direct vet bill payment option;
  • 24/7 Vet Hotline;
  • 5% discount for multiple pets on one policy;
  • 30-day money-back guarantee.

Cons

  • Waiting periods and claim processing are prolonged due to the COVID-19 pandemic;
  • $2 monthly transaction fee (waived if you opt for annual billing);
  • Exclusions for bilateral conditions, cremation, burial, and alternative therapies.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$500$500
Annual LimitUnlimitedUnlimitedUnlimited
Reimbursement90%80%90%
Monthly Premium$80.87$113.16$100.69

19. 24PetWatch

  • AM Best Rating: A
  • BBB Rating: A+

Servicing both the US and Canada, 24PetWatch is one of the most popular insurance choices for dog owners. They receive hundreds of claims on a daily basis, and only last year they paid out over $42 million in reimbursements.

Dog parents love 24PetWatch because they’re fast, customizable, thorough, and most importantly – kind and caring towards every customer on a personal level.

Pros

  • Flexible and customizable dog insurance policies;
  • Fast claim processing and short waiting periods;
  • Coverage for hereditary and congenital conditions;
  • Coverage for hospitalization, surgeries, and alternative treatments;
  • Coverage for emergencies such as lost dog recovery costs, boarding kennel fees, etc;
  • Coverage for curable pre-existing conditions if the dog doesn’t demonstrate symptoms for 2 years;
  • 5% off for dogs set up with a microchip.

Cons

  • Costly monthly premiums;
  • No unlimited payout option available;
  • $2.5 monthly transaction fee;
  • Age restrictions for dogs (those older than 9 can’t enroll for an insurance policy with 24PetWatch).

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Per-Incident Deductible$250$250$250
Annual Limit$10,000$20,000$10,000
Reimbursement80%80%80%
Monthly Premium$81.91$80.52$78.97

20. Prudent Pet

  • AM Best Rating: A
  • BBB Rating: A+

It’s always the toughest when you’re starting a new business. Most startups fail in their first year of business, but some manage to climb up among their top competitors very quickly.

Prudent Pet belongs to the latter group – they were founded in 2018 but managed to score the number 1 spot on Trustpilot in the pet insurance category.

Pros

  • Prudent Pet is the #1 pet insurance company on Trustpilot;
  • Flexible options for accident and illness coverage;
  • Accident-only plan available;
  • Option for an affordable wellness program;
  • No age restrictions for dogs;
  • Unlimited claim payout coverage;
  • 24/7 Licensed Vet Chat;
  • 10% discount for multiple dogs;
  • 30-day free look period.

Cons

  • Prudent Pet doesn’t offer a mobile app for handling your dog insurance policy;
  • Many exclusions in coverage including bilateral conditions and alternative therapy;

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$500$250
Annual Limit$10,000$10,000$10,000
Reimbursement80%80%80%
Monthly Premium$99.67$105.82$104.19

21. SPOT

  • AM Best Rating: A
  • BBB Rating: B

Another novice on our list of dog insurance providers is SPOT which was founded in 2019 and has Caeser Millan on board – the famous dog trainer from the “Dog Whisperer” TV show.

Caesar vouches for SPOT and believes that if you put your dog’s fate in their hands, they’ll never let you down.

Pros

  • Highly-customizable accident and illness coverage;
  • Two tiers for preventive care available;
  • A medical exam for eligibility is not required;
  • Chronic conditions and alternative therapy coverage;
  • 24/7 medical helpline with whiskerDocs;
  • 10% discount for multiple dogs;
  • 30-day money-back guarantee.

Cons

  • SPOT is a very young business and needs more time to prove its reliability;
  • Bilateral conditions are excluded from coverage;
  • Hefty prices for complete coverage and a $2 monthly transaction fee.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$10,000$7,000$7,000
Reimbursement90%90%90%
Monthly Premium$103.73$95.82$100.78

22. PetPartners

  • AM Best Rating: A-
  • BBB Rating: A+

PetPartners makes the process of finding dependable dog insurance less stressful for dog parents. They opened the doors of their pet insurance business back in 2002 and since then they have offered a sense of calm to thousands of dog owners in the event of a health emergency. 

Pros

  • Basic accident and illness coverage with one of the most affordable monthly premiums in the industry;
  • Custom add-ons including Wellness, Inherited & Congenital, Exam & Office Visits, and Memorial coverage;
  • 24/7 Vet Helpline by a specialized customer care team;
  • Amazing mobile app – TrailTrax® for accessing medical records, discovering vet clinics and dog parks, and getting discounts at partnering businesses.

Cons

  • PetPartners’ Basic Coverage is quite cheap, but lacks some essential features such as exam fees and hereditary conditions;
  • Dogs over 5 get limited coverage options;
  • Dogs over 9 aren’t eligible for enrollment.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual LimitUnlimitedUnlimited$10,000
Reimbursement90%80%80%
Monthly Premium$88.49$92.84$100.49

23. PetPremium

  • AM Best Rating: A
  • BBB Rating: A+

PetPremium is well-known in the pet insurance industry for offering transparent pricing and straightforward insurance policies, so you’re always aware of what you’re investing in.

The company concentrates on preventive care and its mantra revolves around prevention rather than cure.

Pros

  • PetPremium puts an accent on dog health monitoring and promoting healthy practices with two plans for Preventive Care;
  • Website with one of the most extensive knowledgebases in the industry;
  • Great customer support center;
  • Low annual deductible;
  • Option for accident-only coverage.

Cons

  • No option for unlimited claim payouts;
  • The price for the most complete coverage plan is on the higher end;
  • Negative experiences regarding claim approval.

24. Pumpkin

  • AM Best Rating: A
  • BBB Rating: N/A

Pumpkin is considered as one of the most robust solutions to dog insurance even though they’re in the business for only a year (they were founded in April 2020).

What’s special about Pupkin is that they are the first dog insurance provider offering wellness benefits for puppies.

Pros

  • Industry-leading accident and illness coverage;
  • Optional preventive pack recommended by certified vets;
  • First-class customer support by a dog-loving care team;
  • 90% reimbursement rate;
  • Coverage for curable chronic conditions;
  • Diagnostics and data analysis for prediction of future health complications;
  • Generous donations to vet clinics across the country.

Cons

  • Pumpkin doesn’t offer unlimited payout options;
  • Since Pumpkin is so new, there are not enough user testimonies to verify if they are really worth the bang for your buck.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$500$500
Annual Limit$10,000$10,000$10,000
Reimbursement90%90%90%
Monthly Premium$90.76$102.51$148.14

25. Eusoh

  • BBB Rating: A+

Eusoh is the first company on our list that doesn’t offer dog insurance in its true meaning – it’s rather an alternative method for providing coverage for your dog’s veterinary expenses.

It’s a community-based funding where you participate with a monthly fee and form a fund from which you’re reimbursed with 80% of your vet bill.

Pros

  • A suitable alternative to traditional dog insurance;
  • Community-based funding;
  • Low monthly fee of $17 + a contribution fee;
  • No age restrictions for dogs;
  • Worry-free policies covering accidents, illnesses, wellness, and routine care expenses;
  • Referral program rewards.

Cons

  • Eusoh’s waiting period is pretty lengthy – 30 days for the policy to go into effect;
  • Subscription commitment – with Eusoh you must sign up for a membership for a full year.

Pricing Quotes

BreedGerman Shepherd French Bulldog Labrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$250
Annual Limit$8.500$8.500$8.500
Reimbursement80%80%80%
Monthly Premium$65$65$65

26. Pet Assure

  • BBB Rating: A+

Continuing with another unconventional way to provide healthcare coverage for your furry friend.

With Pet Assure, you can get a 25% discount at most veterinary clinics in the country for one flat monthly fee. Valid for Canada and Puerto Rico as well.

Pros

  • 25% discount at every participating vet clinic (valid for in-house medical services);
  • Coverage for pre-existing conditions;
  • No restrictions when it comes to the dog’s age;
  • No annual limits, deductible, and waiting periods;
  • Low monthly fee compared to dog insurance premiums;
  • 45-day money-back guarantee.

Cons

  • Not a full substitute for dog insurance. Vet bills can cost thousands of dollars, so you’d still break a bank even with a 25% discount option.
  • Not applicable at every vet clinic;
  • Grooming and prescriptions aren’t discounted by Pet Assure.

Pricing Quotes

With Pet Assure you get a 25% discount on your vet bill at any participating vet clinic.

27. Allstate

  • AM Best Rating: A+
  • BBB Rating: A+

Allstate is known in the insurance industry for offering home, renters, auto, life, and business insurance. Now, in partnership with Embrace, they provide dog insurance that every American can use anywhere in the world.

These are the highs and lows coming with a dog insurance policy acquired with Embrace: 

Pros

  • Annual deductibles;
  • Medical history review;
  • Option for wellness coverage available;
  • Option for accident-only coverage available;
  • Coverage for curable pre-existing conditions;
  • Dog insurance coverage anywhere in the world.

Cons

  • Pre-existing and bilateral conditions are excluded;
  • No illnesses coverage for dogs older than 14 (they can get accident-only coverage);
  • $25 enrollment fee + $1 monthly transaction fee.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$300$200
Annual Limit$15,000$5,000$10,000
Reimbursement90%80%80%
Monthly Premium$98.84$77.65$118.46

28. MetLife

  • AM Best Rating: A-
  • BBB Rating: A+

MetLife is another insurance company providing coverage for most areas of one’s life. Since 2019, when they acquired PetFirst, they expanded their expertise to include dog insurance policies as well.

MetLife’s dog healthcare coverage services are administered by PetFirst and are primarily catered towards employees who want to use dog insurance as a job benefit. 

Pros

  • Convenient waiting periods – 0 days for accidents and 14 days for illnesses;
  • Low deductibles starting at $50;
  • Option for routine care coverage available;
  • Separate plans for puppies and senior dogs;
  • Deductible decreases by $25 each year you don’t submit a claim;
  • Various discounts;
  • Fantastic knowledgebase full of dog health guides and tips.

Cons

  • Scheduled benefits system for the routine care plan, meaning lower reimbursement payouts;
  • Option for accident-only coverage not available;
  • Short money-back guarantee (only 14 days).

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$10,000$10,000$10,000
Reimbursement90%$8080%
Monthly Premium$82.42$105.51$112.74

29. Costco Dog Insurance

  • AM Best Rating: A
  • BBB Rating: A+

Costco Dog Insurance is the only company on our list catering dog healthcare coverage only to Canadians.

In partnership with Pets Plus Us, Costco delivers cost-effective dog insurance to Canadian dog owners. Putting together a group of insurance products and services, Costco makes being a dog owner an effortless experience.

Pros

  • Costco members receive special discounts when acquiring a Pets Plus Us dog insurance policy;
  • Option for wellness coverage available;
  • Option for accident-only coverage available;
  • Extra perks through their Blue Ribbon Benefits program (pet concierge service, paid subscription to Modern Cat or Modern Dog magazine, and PetHelpFone™).
  • Coverage for every dog regardless of breed;
  • 4Life Guarantee;
  • Option for emergency medical coverage available.

Cons

  • US citizens can’t use the benefits of a Costo Dog Insurance policy;
  • No mobile app available;
  • Lack of digital claim processing options;
  • No unlimited claim payout option.

30. AAA Dog Insurance

  • AM Best Rating: A++
  • BBB Rating: A+

Healthy Paws is administering dog insurance policies for the AAA, but only in a handful of states. Their dog insurance plans pay on your actual veterinary bill and cover illnesses, injuries, emergencies, hereditary conditions, and much more.

Below are the most important takeaways coming with a Healthy Paws dog insurance policy.

Pros 

  • Anyone opting for Healthy Paws dog insurance through AAA is entitled to a 5% discount on their policy.
  • Direct vet bill payment option;
  • Short claim processing times;
  • No limits on lifetime coverage;
  • Charity work for dog shelters and homeless animals;
  • Annual deductible;
  • Option for policy transfer to another person.

Cons

  • Only available in the following states: DE, MD, OK, SD, DC, and parts of VA, PA, NJ, CT, OH, WV, KY, IN, and KS.
  • No option for wellness plan available;
  • Dogs older than 8 can’t set up a policy with Healthy Paws (in New York the age limit is 4 years).

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Per-Incident Deductible$250$500$500
Annual LimitUnlimitedUnlimitedUnlimited
Reimbursement80%70%70%
Monthly Premium$84.40$105.22$78.51

31. AARP Dog Insurance

  • AM Best Rating: A+
  • BBB Rating: A+

The AARP doesn’t in fact offer dog insurance on their own. They only provide an additional benefit for their members if they opt for a dog insurance plan through Petplan.

Every retiree who’s an AARP member will get up to a 10% discount on a Petplan dog insurance policy + a $35 prepaid Visa card.

Pros

  • Complete coverage for dog’s accidents and illnesses;
  • No age, annual, and lifetime limits;
  • AARP members receive up to 10% discount on a Petplan’s policy;
  • Military members, vet students, and vet specialists also receive a 10% discount;
  • Coverage for advertising and reward for lost or stolen dog;
  • 15% off on monthly premiums if you didn’t submit any claims the previous year;
  • 30-day money-back guarantee.

Cons

  • Tighter rules for claim payouts than other companies (claims must be submitted within 2 days after your dog becomes sick, or you wouldn’t receive a reimbursement);
  • More coverage restrictions for dogs older than 6.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$300$500
Annual Limit$15,000$15,000$15,000
Reimbursement90%80%80%
Monthly Premium$77.12$79.73$89.01

32. Liberty Mutual

  • AM Best Rating: A
  • BBB Rating: A+

Among the many insurance types offered by Liberty Mutual, such as life, accidents, property, and auto insurance, now you can get dog insurance too.

They offer coverage for all the medical expenses that concern your dog’s wellbeing.

Pros

  • Customize your dog insurance policy with multiple options to choose from;
  • Flexible plans for accidents, illnesses, and wellness, with a possibility to bundle any way you want;
  • Generous coverage for hundreds of conditions;
  • Well-developed customer portal;
  • Discount of up to 10% for multiple dogs.

Cons

  • Longer waiting periods and times for claim processing than competing companies;
  • Expensive monthly premiums for complete dog healthcare coverage which gets costlier as you add on more benefits.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$500
Annual Limit$10,000$10,000$10,000
Reimbursement80%90%80%
Monthly Premium$95.39$82.89$82.88

33. VCA

  • AM Best Rating: N/A
  • BBB Rating: A+

The Veterinary Centers of America boast over 6000 skilled veterinarians providing care for thousands of animals across the country since 1986. 

While they don’t offer dog insurance plans, they specialize in general, surgical, and professional wellness care for one flat monthly fee.

Pros

  • Complete wellness coverage for every dog regardless of breed – spaying/neutering, unlimited exams, dental coverage, vaccines, and much more;
  • Subscription starts at $50/month;
  • Discounts of up to 25%;
  • Available in 6 Canadian provinces as well;
  • myVCA – a dedicated app with a 24/7 vet helpline.

Cons

  • Customers have stated that VCA’s services can be different depending on which location you choose to go to;
  • No coverage for injuries or illnesses – since VCA is great only for the preventive care for your dog, boosting their offer with some insurance coverage would bring you more peace of mind.

Pricing Quotes

Memberships for wellness coverage at a VCA Center start from $50/month.

34. Lemonade

  • AM Best Rating: A
  • BBB Rating: N/A

Even though Lemonade has introduced dog insurance only recently (July 2020), they’ve received tons of positive reviews from customers.

Lemonade puts technology at the forefront to bring insurance policies that are up to date with all of the latest industry standards.

Pros

  • Transparent pricing and policies written in plain English are Lemonade’s top assets;
  • Lemonade is big on design and user experience, both for their website and mobile app;
  • Policy building and claim processing are handled by artificial intelligence;
  • Low monthly premiums;
  • No lifetime claim payout limits;
  • Annual deductible;
  • If bundled with their home insurance plans, you’d score 10% on your dog insurance policy.

Cons

  • Even though Lemonade is the only company on our list that offers dog insurance even in some European countries, they’re not fully spread across the entire US.
  • Low chances for enrolling large-breed senior dogs;
  • No coverage for behavioral therapy, microchipping, and final respects expenses.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaTexas
Annual Deductible$250$250$250
Annual Limit$20,000$10,000$20,000
Reimbursement90%90%90%
Monthly Premium$40.58$94.83$93.33

35. APIC Dog Insurance

  • AM Best Rating: Unrated
  • BBB Rating: A+

The American Pet Insurance Company is the underwriter behind four of the best dog insurance providers we included in this list – Trupanion, AKC Dog Insurance, Pets Best, and PetPartners.

In fact, Trupanion has owned APIC since 2007 but enables the rest of the companies under its umbrella to offer their own distinct insurance policies.

Pros

  • All companies impose no age restrictions for dogs, except Trupanion, which doesn’t enroll dogs older than 14;
  • PetPartners and AKC offer up to $16,000 annual limit, while Trupanion and Pets Best have an unlimited payout option;
  • Trupanion is geared towards veterinarians, Pets Best focuses primarily on consumers as an employment benefit, and AKC caters solely to their members;
  • All of the APIC brands are known for their short waiting periods for accident coverage;
  • Discount options depending on your preferred brand and plan.

Cons

  • Dog’s breed and age have a direct effect on the price of the insurance policy;
  • $2 – $3 monthly transaction fees ($35 entry fee for Trupanion);
  • No coverage for behavioral treatments (Trupanion offers it for an extra price).

Pricing Quotes

For Trupanion, AKC Dog Insurance, Pets Best, and PetPartners check prices above.

36. Wells Fargo Health Advantage

  • AM Best Rating: N/A
  • BBB Rating: N/A

If you feel that dog insurance is costly and doesn’t provide real value for your money, especially if you’re convinced that your dog won’t require much veterinary assistance throughout its lifetime, then you might want to look into Wells Fargo Health Advantage.

The Wells Fargo Health Advantage is a program offered at selected vet clinics and comes with a credit card. With this card, you can pay for any veterinary procedure your dog is treated for, and then pay back the amount with some interest.

Pros

  • No restrictions on dog’s age and breed;
  • No deductibles and monthly premiums;
  • No waiting periods;
  • Can be used for any type of medical procedure – illness, accident, wellness, etc.
  • Can be used for pre-existing and bilateral conditions;
  • You can use it for some of your own healthcare needs – dental, vision, and audiology care.

Cons

  • With the Wells Fargo Health Advantage credit card, you’d need to pay the full price for any procedure. There are interest rates when you pay back the money, and you won’t be reimbursed with any percentage of the vet bill.
  • Not enough information on how many vet clinics offer this program.

Pricing Quotes

With the Wells Fargo Health Advantage credit card, you pay the full price of your vet bill and return the money in time with interest.

37. Banfield Pet Hospital

  • AM Best Rating: N/A
  • BBB Rating: A+

If you’re looking for an alternative to VCA Animal Hospitals, Banfield Pet Hospital is right next door. They are available at about the same number of locations as VCA (around 1000) whenever you need a helping hand regarding your dog’s wellbeing.

Banfield doesn’t offer dog insurance – they have plans for preventive care for puppies and dogs. 

Pros

  • Tailored plans for puppies (Early Care and Early Care Plus) and dogs (Active Care, Active Care Plus, and Special Care);
  • Puppies receive everything from unlimited office visits and physical exams to vaccinations, deworming, a virtual dog care service, and more;
  • Dogs coverage includes all of the puppies perks plus dental cleaning, urine testing, preventive x-rays, and more;
  • Coverage for pre-existing conditions;
  • Simple pricing structure;
  • No waiting periods;
  • $15 discount for a membership for an additional puppy or dog;
  • Most Banfield hospitals operate on weekends and night hours too.

Cons

  • Wellness and preventive care plans at Banfield are more expensive than those you get at some dog insurance companies;
  • $60.95 entry fee;
  • No coverage for injuries and illnesses.

Pricing Quotes

Memberships at Banfield Pet Hospital depend on your dog’s age, breed, size, and location. They vary from $40 to $70 per month on average.

38. AAHA Dog Insurance

  • AM Best Rating: A+
  • BBB Rating: A+

Dog insurance endorsed by the highly-esteemed American Animal Hospital Association means we’re talking about top quality and reliability.

The AAHA represents the highest standard for accrediting veterinary professionals in the US and Canada, and now they provide dog insurance plans in partnership with Petplan.

Pros

  • Coverage for a vast amount of injuries and illnesses conditions;
  • No age, annual, and lifetime limits;
  • Coverage for emergencies such as vacation cancelation, advertising and reward for lost or stolen pet, etc.;
  • 30-day free look period;
  • Special discounts for military and veterinary professionals and students.

Cons

  • Expensive options compared to other similar dog insurance providers;
  • Strict rules to remain constant coverage (you’re allowed to claim reimbursement only if you’ve submitted a request within 48 hours after your dog is injured or displays symptoms);
  • Limited coverage for dogs over 6.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$300$500
Annual Limit$15,000$15,000$15,000
Reimbursement90%80%80%
Monthly Premium$85.69$88.58$98.90

39. Wagmo

  • AM Best Rating: A
  • BBB Rating: N/A

This spot is reserved for a company honoring technology while streamlining the processes of providing and handling dog insurance policies.

This is Wagmo, a dog insurance provider founded in NYC, powered up by strong female leadership.

Pros

  • Wagmo allows coverage for hip dysplasia (a bilateral condition) in pets younger than 6;
  • Three wellness plans that include grooming and dental care and have no waiting periods;
  • Simple pricing structure;
  • One of the fast claim turnarounds in the industry – claim processing is within a day;
  • 100% reimbursement.

Cons

  • The plans for accident and illness coverage aren’t available in every state, while wellness coverage is;
  • The plans for wellness coverage don’t include spaying/neutering and behavioral therapy;
  • Wagmo’s insurance policies lack flexibility.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$500$500
Annual Limit$20,000$20,000$20,000
Reimbursement100%100%100%
Monthly Premium$82.10$69.56$81.85

40. Odie

  • AM Best Rating: A- and B+
  • BBB Rating: N/A

As insuring dogs across the entire country gets more traction by the day, new insurance providers are coming out more often than ever.

One of those novices is Odie – a brand new option in the pet insurance industry offering up-to-date coverage for all dogs, optimized for every budget.

Pros

  • Odie’s insurance plans are highly-customizable with lots of options to mix and match and create a policy that best fits your needs and budget;
  • Optional benefits available:
    • Office Visits & Exam Fees;
    • Take-Home Prescription Medications;
    • Rehab, Acupuncture, & Chiropractic Care;
    • Routine Care Plans.
  • No waiting periods and no deductible for the routine care plans;
  • No restrictions for dog’s age and breed;
  • 24/7 Self-Service Portal;
  • 5-day digital claim processing.

Cons

  • Premiums can become expensive with each new option you add to the policy;
  • No coverage for spaying/neutering, behavioral therapy, and alternative treatments;
  • Odie is a new service that needs more thorough testing.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$500$500$500
Annual Limit$40,000$40,000$40,000
Reimbursement90%90%90%
Monthly Premium$45.54$77.62$94.01

41. Bingo

  • AM Best Rating: A
  • BBB Rating: N/A

Bingo is another newcomer on our list that caters insurance policies exclusively to dogs. They’re operating since 2020 and boast an awesome iOS app.

What’s great about Bingo is that they have so many optional benefits so you can choose exactly what your dog needs.

Pros

  • Coverage for accidents and illnesses with one simple plan;
  • Seven options for preventive and emergency coverage:
    • Wellness Benefit;
    • Prescription Drugs;
    • Dental Coverage;
    • Cancer Coverage;
    • Alternative Therapies;
    • Advertising and Reward;
    • Mortality Benefit.
  • Straightforward and intuitive iOS app;
  • Playtime feature with tips to keep your dog healthy and happy.

Cons

  • At this phase, Bingo isn’t available everywhere, and there’s no clear information on which states they currently operate in;
  • Their website is mostly still under construction, as they mainly focus on their app. 

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$250$250$250
Annual Limit$100,000$100,000$100,000
Reimbursement80%80%80%
Monthly Premium$83.13$69.38$82.11

42. Companion Protect

  • AM Best Rating: A
  • BBB Rating: N/A

A dog insurance policy obtained by Companion Protect is valid at every veterinarian clinic in the country. However, Companion Protect has their own network of vet clinics they collaborate with – the Vetwork. There, you can get additional benefits and more value for your money.

Pros

  • Companion Protect is very upfront when it comes to pre-existing conditions. They issue a dog health certificate which states everything you’re covered for, so you always know what to expect when it’s time to use your coverage.
  • 90% reimbursement with Vetwrok clinics (80% otherwise);
  • $50 deductible with Vetwork clinics ($100 otherwise);
  • 50% coverage for prescription food;
  • No upper age and breed restrictions;
  • No waiting periods;
  • 15% discount for multiple dogs, military, and animal welfare centers. 

Cons

  • Strict approvals prior to enrollment;
  • No wellness coverage available;
  • Companion Protect insurance plans lack flexibility.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$50$50$50
Annual Limit$100,000$100,000$100,000
Reimbursement90%90%90%
Monthly Premium$71.99$47.99$83.99

43. TrustedPals

  • AM Best Rating: A+
  • BBB Rating: N/A

Whether you want to stay ahead of your canine companion’s needs or take care of them when they’re sick or injured, TrustedPals is a most-suitable choice.

They include coverage not only for in-house procedures but also for stuff you take home with you.

Pros

  • Accident and illness insurance plan offers tons of options to choose from:
    • Annual deductibles ranging from $0 to $750;
    • Annual claim payout options ranging from $4,000 to unlimited;
    • Reimbursement percentage ranging from 70% to 100%.
  • Coverage for drugs, pet food, and supplements prescribed by your vet, included at no extra cost;
  • Option for wellness insurance available;
  • 5% discount for multi-pet, military, vet staff, first responders, and service dogs.

Cons

  • TrustedPals’ wellness plan doesn’t cover grooming and boarding;
  • It also uses a benefits schedule and allows for an annual coverage with a limit of $750;
  • Another drawback is not having a mobile app.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateNew YorkCaliforniaColorado
Annual Deductible$100$250$250
Annual LimitUnlimited$8,000$80,000
Reimbursement90%80%80%
Monthly Premium$106$73$82

44. Pawp

  • AM Best Rating: N/A
  • BBB Rating: N/A

Pawp joins our list as both a newcomer and an alternative way to dog insurance. They’re great for those who want to ensure their dog from accidents and emergency situations without having to spend a fortune.

Pros

  • A fund of $3,000 that you can use once per year;
  • Covering life-threatening accidents and emergencies (poisoning, choking, difficulties while breathing, severe blockages, seizures, and severe injuries);
  • One plan allows coverage for up to 6 pets;
  • Coverage for pre-existing conditions;
  • Direct vet bill payment;
  • No copay and no deductible;
  • Low membership – $19/month.

Cons

  • A video call with a veterinarian who needs to confirm the emergency is required in order to activate your emergency fund;
  • Coverage for only one emergency per year;
  • No coverage for illnesses and preventive care.

Pricing Quotes

Pawp’s emergency coverage costs $19/month and covers one emergency per year for up to $3,000.

45. Toto

  • AM Best Rating: A-
  • BBB Rating: A+

Last on our list is Toto, a company with a socially conscious purpose in mind. Their mission is to provide quality dog insurance while stimulating dog owners to be more responsible toward the less fortunate animals in their communities.

Pros

  • Three plans to cover accidents and illnesses;
  • Different options for reimbursement, deductible, and payout limit to customize your plan;
  • Add-on for preventive care;
  • Short waiting periods;
  • Fast claim processing;
  • 20% of the profit is donated to help animals in need.

Cons

  • No coverage for breeding, grooming, parasites, and experimental treatments;
  • No coverage for end-of-life expenses for dogs older than 4;
  • No coverage for hereditary and congenital conditions for dogs older than 9.

Pricing Quotes

BreedGerman ShepherdFrench BulldogLabrador Retriever
Age248
GenderMaleMaleFemale
StateTexasCaliforniaColorado
Annual Deductible$250$500$500
Annual Limit$15,000$15,000$7,500
Reimbursement90%80%80%
Monthly Premium$59.94$89.50$123.57

Why Do You Need Dog Insurance?

For many dog parents, the first year of your pup’s life can be a challenging one. Whether you have a newborn pup in the family or you’ve just adopted a teenage doggo, getting everything up to date – from vaccinations to spaying/neutering – can be an uncalculated cost.

If you add up all the toys, clothing, dog beds, different foods, and supplements you’ll quickly become overwhelmed by the fact that this new canine family member is indeed a considerable expense.

So, it’s understandable that not many dog owners would be eager to opt for dog insurance. But imagine paying for an accident or an unexpected emergency on top of all the costs you already have. Vet bills can cost thousands of dollars and no one wants to be in the position to have to choose between draining their bank account and saving their pupper’s life.

There are so many insurance policies and healthcare plans for your dog out there. Taking some time to research and finding the right one will ensure that your pup receives proper healthcare, all without you having to go into debt.

Types of Dog Insurance

First things first – you need to make up your mind about what kind of health coverage you want for your dog. In this article, we’re covering an extensive list of dog insurance companies, so paying attention to what type of services they offer is crucial for making the best choice.

Each company on our list offers a combination of the following types of dog insurance:

  • Accidents coverage – for every time your dog is injured in any way;
  • Illnesses coverage – for those moments when your dog develops a disease or a medical condition;
  • Wellness (Preventive) care – everything for a healthy pup to stay disease-free;
  • End of Life coverage – for the sad times when we have to say goodbye to our beloved companions;
  • Dental Healthcare – everything concerning the overall health status of your dog’s mouth;
  • Emergency Situations coverage – for unexpected scenarios when you need an extra hand to handle the situation.
  • Alternative Therapies coverage – all those times when you want to try new, unconventional ways of healing.

Sleep on it and decide. Whether you need a single type of coverage or you think it would be better to combine several, there are definitely options above that can help you customize your insurance plan.

How to Choose Your Dog Insurance Plan

It can be hard to decide what’s best for your doggo when there’s so much to choose from. Making a rash decision can be detrimental in the long run. What if you end up with a coverage that’s not suitable for your dog’s needs and you spend so much in premiums on stuff you’d never need.

Carefully going over our list will help you narrow down your search and, ideally, discover the right option for you. Take note of your dog’s age, breed, size, and medical history so you’ll know what to expect from an insurance provider.

Here’s what you need to pay attention to when assessing an insurance company:

What’s the Company Rating?

You’ve noticed that we’ve included the AM Best and the BBB ratings for each company on the above list. These are great indicators of how a company performs in its industry.

The AM Best Rating is applied to insurance companies in order to indicate their financial strength and stability. The higher the grade a company is assigned with, the safer it is to expect a financial reimbursement. Grades go from poor (D) to superior (A++).

The BBB Rating is an indicator that measures trust and confidence in the services a company provides. Assigned by the Better Business Bureau, this rating demonstrates how much of an effort a company puts into resolving a potential complaint. Grades go from F to A+.

Additionally, scanning some reviewing sites such as Truspilot.com, Sitejabber.com, or Reviews.io can be of great importance. You can see how a company performs by accessing real user reviews and see what they have to say about their experience.

What Type of Coverage Does the Company Provide for Your Dog?

Always make sure to go through the “What We Cover” and “What We Don’t Cover” lists whenever you’re researching an insurance company. This will give you a general sense of what conditions and injuries your dog will be covered for if you sign up with them.

Take into consideration your dog’s breed, size, and underlying conditions. Dog insurance providers almost always exclude pre-existing conditions from their policies. Some have age restrictions and others use your dog’s breed and size to determine the price of your monthly premium.

How Much Coverage Can You Get and What Are the Limits?

It’s crucial to outline all the conditions listed on your dog’s insurance policy in order to know how much of the vet bill is your responsibility to pay and how much is covered by the insurance company.

  • Reimbursement Percentage – Always look to make the most out of your dog insurance plan. A plan that grants 80-90% reimbursement brings more value for your money as you’ll only need to participate with a 10-20% copay. In contrast, plans that reimburse only 60-70% will still leave you with a big bill to pay on your own;
  • Annual Limits – The annual limit represents the amount that you can be reimbursed with on a yearly basis. Some companies have unlimited payout options;
  • Lifetime Limits – In the same fashion as the annual limit, the lifetime limit is the payout you can receive for your dog’s entire lifetime. Most companies don’t impose a lifetime limit, but some do (for example $300,000);
  • Deductibles – A deductible is a fixed amount that usually ranges between $250 and $750, but it can be as low as $0 or as high as $1,500. Most policies commit you to pay a deductible once a year if you submit at least one claim, but there are some that require a per-incident deductible, meaning you have to pay the same amount every time your dog undergoes a different medical procedure.

With that being said, choosing your options wisely will result in more coverage in situations when you most need it. Picking unlimited claim payouts with high reimbursement rates turns out to be most beneficial in the long run even though it can cost you a higher premium.

Conclusion

Whether you have a tame puppy or a wild beast at home, every dog can get in harm’s way when you least expect it. But unlike us who have employment insurance or Medicare, they need to be set up with a proper dog insurance plan so we can ensure their safety is always prioritized.

In this article, we gathered 45 companies from which you can discover the right insurance plan for your dog. To make the most out of your budget, figure out what might be most important for your dog and compare the companies that offer the options suitable to your requirements.

To understand how different pet insurance companies stack up against each other, head over to our Pet Insurance Cost Comparison article.

F.A.Q.

What are the most common dog medical conditions?

There’s a head-spinning list of health problems that can affect your dog. The most common include dermatitis, ear infections, vomiting, worms, and ticks and fleas.

Are pre-existing conditions covered with a dog insurance policy?

Usually, pet insurance companies exclude pre-existing conditions from their policies, especially those affecting certain dog breeds (for example, Labradors are prone to developing joint problems). However, there are options to get coverage for chronic conditions. Some companies include coverage for “curable pre-existing conditions”, meaning they’ll cover any condition that your dog hasn’t displayed symptoms for a certain amount of time.

Is dog insurance worth getting?

Even if you think you have enough finances to cover every medical emergency for your dog, acquiring dog insurance can save you hundreds to thousands of dollars. This is more evident when you’re taking care of multiple pets – the veterinary costs in that situation can quickly skyrocket.

Why do vets charge so much for treating a dog?

As with everything else, prices at vet clinics are constantly on the rise. Veterinarian fees are quite high since clinics are responsible for covering the cost of the vet’s expertise and time, equipment and medication, and salaries for all of its staff (nurses, receptionists, etc.).