By Dan Simms
Updated Jan 12, 2023
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Every dog owner wants the best for their furry friends, and choosing the right pet insurance helps ensure your buddy lives a healthier, happier life. Comparing pet insurance for dogs can be difficult, so we’ve analyzed the top pet insurance companies, so you don’t have to. We rank pet insurance providers based on their coverage for dogs, pricing structure, reputation, and more.
Here are the best pet insurance companies for dogs, based on our extensive research and expert analysis.
The following table summarizes important details about the best dog insurance providers. These quotes were gathered for a mixed breed of medium size of around 50 pounds. Please note that most insurers have different pricing based on breed and your dog’s weight, so your numbers may vary.
|Provider||Premiums||Deductible||Reimbursement Rates||Annual Limits||Coinsurance||BBB Rating*|
|Lemonade||$15 to $50||$100, $250, or $500||70%, 80%, or 90% (based on deductible)||$5,000, $10,000, $20,000, $50,000, or $100,000||30%, 20%, or 10%||D|
|Spot||$15 to $25||$100, $250, $500, $750, or $1,000||70%, 80%, or 90%||$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited||30%, 20%, or 10%||A|
|Wagmo||$20 to $59||$250, $500, or $1,000||90% or 100%||$5,000, $10,000, or unlimited||10% or 0%||B-|
|Embrace||$25 to $55||$200, $300, $500, $750, or $1,000||70%, 80%, or 90%||$5,000, $8,000, $10,000, $15,000, or $30,000||30%, 20%, or 10%||A+|
|Healthy Paws||$30 to $65||$250 or $500||70% or 80%||Unlimited||30% or 20%||A|
|Figo||$15 to $74||$100 to $750||70%, 80%, 90%, or 100%||$5,000, $10,000, or unlimited||30%, 20%, 10%, or 0%||B+|
|Fetch||$35 to $45||$250 to $1,000 (in $50 increments)||70%, 80%, or 90%||$5,000, $10,000, $15,000, or unlimited||30%, 20%, or 10%||A+|
|Trupanion||$47 to $140||Up to $1,000 with a high degree of customization||Up to 100%||Unlimited||10%||Not rated|
* Better Business Bureau ratings are accurate as of December 2022.
Our top pick for dog insurance is Lemonade pet insurance. Lemonade offers affordable pet insurance with reasonable monthly premiums and generous coverage limits. The company offers the best balance of cost, coverage, and customizability. Dedicated to helping pet owners keep their cats and dogs healthy, Lemonade also has excellent customer satisfaction, with many positive customer reviews mentioning its easy-to-use mobile app and website.
Lemonade’s core policy includes accident-and-illness coverage with optional riders for overall wellness and vet visits. Common covered accidents, illnesses, and other conditions include:
The preventative care add-ons let pet parents decide if they want to pay more for extra coverage or are comfortable with the base plan. These include:
Lemonade doesn’t cover pre-existing conditions, meaning any health problems that arose before you purchased the insurance policy won’t be covered. It also has age limits for coverage ranging between 6 and 14 years old, depending on your pet’s breed. Additional exclusions include the following:
Monthly premiums vary based on your dog’s age and breed. For example, a 3-year-old pug policy usually has monthly premiums of around $35. You can add vet visit fees for an additional $8 per month and preventative coverage for an additional $20 a month, on average.
Lemonade also offers discounts for dog owners who bundle pet insurance with auto or home insurance, allowing for more overall cost savings.
Learn more: Lemonade pet insurance review
Get a quote: Request a free quote from Lemonade to compare to estimates.
Despite offering an impressive variety of custom options to enhance your pet’s coverage, Spot’s pet insurance plan is one of the best in the business. The company’s rates are slightly higher than some competitors, but you’ll be hard-pressed to find policies in any price range that can match Spot’s coverage options.
Spot has two plans: the Accident-Only Plan and the Accident and Illness Plan. Both plans also offer reimbursements for prescriptions, a nice touch that many pet insurance providers make an add-on (for more money).
Spot separates wellness coverage from its basic plans, allowing pet owners to choose if they want coverage for vaccinations, dental care, fecal tests, and other preventative treatments. This provides the flexibility to craft an insurance plan with no unneeded extras.
However, Spot doesn’t offer coverage for pre-existing conditions. It also doesn’t cover conditions that crop up during waiting periods.
Spot’s prices are slightly higher than the competition. Using the same 3-year-old pug we did for Lemonade, Spot’s price comes to $48 per month. That includes a deductible of $500, an annual limit of $2,500, and a reimbursement rate of 70%. The company offers policies with annual limits ranging from $2,500 to $10,000 and an option for unlimited for people who want the most peace of mind.
Get a quote: If you think Spot might be your best dog insurance option, you can request a free quote to help with your decision.
Wagmo is an innovative pet insurance provider that lets customers purchase wellness coverage for their dogs, even if they don’t have a pet insurance plan. Founded in 2018, the company is available in most states and offers a range of coverage options at competitive prices. While Wagmo isn’t the best for traditional accident-and-illness plans, its stand-alone wellness plans are enough to secure a spot on our list.
Wagmo divides its coverage into two plans. Its popular wellness plan covers vet visits, exam fees, prescriptions, and routine care like dental cleanings, heartworm treatments, and vaccinations.
The company recently introduced an accident-and-illness plan that acts more like a traditional pet insurance policy. It covers some genetic conditions, behavioral therapy, surgery for covered procedures, and bilateral conditions.
Unfortunately, Wagmo has two major drawbacks. First, the company imposes a $ 100,000 lifetime payout limit, meaning it will not cover any treatments your dog needs beyond $100,000. While $100,000 is a high limit, it might make some people uncomfortable knowing there is a lifetime cap. Second, Wagmo offers no optional add-ons. That might make it easier to decide if Wagmo is right for you and your dog, but it feels limiting compared to any plan that offers customization.
Wagmo’s dog insurance plans cost about $44 per month for the same dog breed and age we used above—a 3-year-old pug. Rates differ based on your dog’s age and breed, so your numbers may vary.
Get a quote: We recommend getting a dog insurance quote from Wagmo to see how it stacks up in coverage and cost for your needs.
Embrace offers accident-and-illness plans with several different deductibles, coverage limits, and reimbursement rates, making it easy to find the right policy. Embrace sets itself apart by reducing your plan’s deductible by $50 each year you don’t file a claim. This encourages pet owners to purchase coverage when their dogs are young and healthy and rewards them by offering low-cost coverage when their pets are older.
Embrace offers a comprehensive accident-and-illness plan and has an optional wellness add-on.
Embrace’s monthly premiums for our 3-year-old pug example cost around $39 per month. That price includes a $10,000 annual limit, a $750 deductible, and a 70% reimbursement rate.
While this is a competitive rate, the company earns the title of most affordable because it will decrease your deductible by $50 per year for every year you don’t file a claim. Embrace’s reimbursement rates are also competitive, offering plans with an annual coverage limit between $5,000 and $30,000.
Get a quote: You can get a free estimate for Embrace dog insurance to compare quotes.
Healthy Paws stands out from other pet insurance providers by making unlimited coverage a standard feature of all its policies. Most companies impose annual coverage caps to limit their risk, leaving customers to absorb any costs that exceed the coverage limit. Healthy Paws believes you shouldn’t worry about getting your dog the care it needs, regardless of the cost.
Healthy Paws offers a single accident-and-illness plan that covers cancer, common injuries, and congenital conditions and coverage for less-common treatments like canine chiropractic care and acupuncture. Unfortunately, its policies don’t cover exam fees, something included in many other companies’ basic plans. Like most other pet insurance companies, Healthy Paws excludes any pre-existing conditions.
Most Healthy Paws customers have good things to say about the company and are quick to praise its streamlined claims-filing process, which is handled via a mobile app. However, some policy owners say the $25 fee for signing up feels unnecessary.
The best feature of Healthy Paws pet insurance is that there are no annual or lifetime coverage limits. The company offers three deductible and reimbursement levels. For our example pet—a 3-year-old pure-bred pug—the monthly premium comes to $65. This includes unlimited payouts, a low $250 deductible, and an 80% reimbursement rate.
Get a quote: Healthy Paws offers free quotes for dog health insurance to help customers compare plans.
Pawp is our top pick for pet parents who have multiple pets they want coverage for. Pawp’s plans cost just $24 per month and cover up to seven pets each. Although this coverage isn’t traditional insurance, it’s a great way to cover vet visits and routine vet advice for multiple pets. Pawp makes it easy and affordable to get expert advice and even medications from professionals when you need them with a robust online platform.
Pawp works differently than most pet insurance companies because it doesn’t provide traditional insurance. Instead, it offers you access to vets online for advice, guidance, and medication prescriptions. Rather than paying to see a vet every time your pet needs one, all your visits are included in the low monthly fee.
Pawp only has one plan, which covers up to seven pets and comes at an unusually low cost of $24 per month. This plan is ideal for accident-prone pets and worried pet parents who find peace of mind in always having expert help available at their fingertips.
This single plan also covers in-person visits at any vet in the country. It comes with one option for a low annual coverage limit of $3,000, although some options for deductibles exist. These include $100, $200, or $500.
Pawp’s plans are a static $24, which doesn’t change with your pet’s breed or size. Our example pooch would cost $24 per month to cover with Pawp, as would any other dog.
Get a quote: Contact Pawp Pet Insurance to get a coverage quote for your dog.
Figo has the shortest waiting periods and fastest claims processing for any pet insurance company on our list. Figo also has more reimbursement levels than most competitors.
The company also offers custom plan options through supplemental coverage packages, including one that pays for less-common events such as pet theft and boarding. However, Figo isn’t the best choice for pet owners who need to pay for innovative treatments or alternative therapies.
Figo has three primary insurance plans. The Essential Plan has a $5,000 coverage limit, the Preferred Plan caps annual coverage at $10,000, and the Unlimited Plan has no coverage limits. All three cover emergency care, hospitalization, cancer treatments, and non-pre-existing chronic conditions. Figo’s add-ons include a wellness package, vet exam coverage, and a miscellaneous package that covers boarding, pet theft, and third-party property damage.
In addition to excluding pre-existing conditions, Figo does not cover treatments related to hip dysplasia and orthopedic conditions during the first six months of your policy.
With Figo, you can shop among deductibles ranging from $100 to $750 and reimbursement rates of 70%, 80%, 90%, and 100%. That allows you to adjust your monthly premiums to fit your budget and risk tolerance. Choosing a high-deductible plan with a low reimbursement rate will yield a lower deductible, but you could pay more out of pocket if your dog needs serious medical attention.
Keeping with our example breed and age Figo’s cost to insure comes out to $56 per month. That includes a $10,000 annual payout limit, an 80% reimbursement rate, and a $250 deductible.
Get a quote: Figo provides free quotes for pet insurance for dogs, so it’s easy to get a quote to compare costs among other insurance plans.
Fetch Pet Insurance offers one comprehensive plan that covers accidents and illnesses. Fetch’s customizable deductibles, out-of-pocket limits, and reimbursement rates make it an insurer worth your attention. The company has outstanding customer reviews and maintains an A+ rating from the BBB, evidence of how well it treats customers and how easy it is to work with.
Fetch offers one plan that covers pet accidents and illnesses. The plan pays for various treatments and procedures, including cancer treatments; treatments for chronic conditions such as diabetes, asthma, and arthritis; dental diseases; and prescriptions. It also covers alternative treatments such as acupuncture, canine chiropractic services, and some homeopathic treatments.
However, Fetch doesn’t provide wellness coverage, not even as an add-on. This means that routine care checkups, vaccinations, teeth cleaning, spaying, and neutering are all excluded. Additionally, Fetch will not cover pre-existing conditions.
Fetch’s pricing structure is like that of other pet insurance providers. Customers can choose from several levels of deductibles, three reimbursement rates, and three coverage limits. The weakest part of Fetch’s policy is an annual coverage limit of $15,000. The company does not offer an unlimited plan.
The quote we got for our 3-year-old pug, as an example, came out to $42 per month. That included a $5,000 maximum annual payout, a $500 deductible, and an 80% reimbursement rate.
Get a quote: Fetch offers free quotes to make shopping around easy.
Trupanion offers the most deductible options of any provider on this list, allowing you to pick your deductible in $50 increments from $0 to $1,000. You can also get unlimited coverage and an above-average 90% reimbursement rate, although those options will come with unusually high monthly premiums.
In addition, Trupanion’s policies are among the most robust in the pet insurance business, covering more conditions than most of its competitors. The company is a solid choice for most dog owners, although its plans skew more toward protecting your pet from long-term illnesses and disease and less toward preventative care.
Trupanion offers one plan for accidents and illnesses. Its standard plan also provides for breed-specific conditions and some congenital disorders, something you won’t find from other insurers.
Trupanion has the following optional add-ons to help pet owners get the best coverage for their four-legged friends:
Wellness coverage isn’t included in Trupanion’s plans and is also unavailable as an add-on. You’ll have to pay out of pocket for vet exams and routine checkups.
We won’t sugarcoat it: Trupanion is expensive. The average monthly premium for dog coverage is $70, much higher than the other providers on our list. The quote we got for our example dog—a 3-year old pug—came out to $140, which is far higher than any other quote we got for the same age and breed.
However, Trupanion provides more comprehensive coverage and unlimited coverage. It also reimburses customers for 90% of covered care, making it more affordable when using your insurance.
The company also features a generous cancellation policy that allows you to cancel coverage within the first 30 days for a 100% refund.
Get a quote: You can get a free estimate for pet insurance from Trupanion to see where in the price range your estimate will fall.
Pet insurance plans can differ dramatically from one plan to the next, especially if you compare plans from different insurance companies. Knowing what’s important to you and your pooch is essential if you want to find the best plan for your dog.
Before you jump into the pet insurance market:
Knowing these facts will help you determine the various plan coverage limits you want in a pet policy.
One of the most important things to know about a pet health insurance policy before you purchase it is whether it has annual coverage limits. Most insurers set annual coverage limits that cap how much they’ll pay in a year. If your dog needs treatment that puts you over the annual coverage limit, you’ll have to pay for it yourself, even if it’s normally covered under your policy.
You might also see plans that have lifetime payout limits. These are usually between $50,000 and $100,000 and are linked to a specific pet. Lifetime limits cap how much your insurance company will pay over your dog’s entire lifetime, so make sure you choose a plan with a generous or no lifetime limit, especially if you have a breed with medical issues or hereditary conditions as pets age.
A deductible is the amount you need to pay before your insurance reimburses you for your dog’s treatments. Pet insurance deductibles are usually a few hundred dollars and reset at the start of each year.
Most pet insurance companies offer several deductible options. Plans with lower deductibles have higher monthly premiums, and plans with higher deductibles cost more each month. Choosing a plan with a higher deductible is risky since you’ll have to pay more out of pocket before your insurance company begins payouts.
A premium is the monthly price you pay for coverage. It’s determined by the level of coverage you select, coverage limits, the deductible amount, and your reimbursement rates.
Low-premium plans are more affordable if you don’t need to make many claims. If your dog gets sick and needs expensive treatment, a low-premium plan will seem less desirable because you’ll have to meet a higher deductible before the insurance company pays.
Before you purchase a pet insurance policy, know its reimbursement rate. No matter the plan, it typically won’t pay for 100% of your pet’s vet bills, even when your plan covers the procedure or visit. Instead, your policy will cover some percentage of the costs, usually 70% to 80%.
Sometimes you’ll see a plan specify a coinsurance rate instead of, or in addition to, a reimbursement rate. Coinsurance is how much you’re responsible for paying as the policyholder. It’s the other side of the coin to the reimbursement rate. For example, a pet insurance policy with an 80% reimbursement rate has a 20% coinsurance rate.
Finally, know that you can often save money on pet insurance by bundling it with your homeowners insurance (or renters insurance) and car insurance. Some companies offer significant discounts to customers who sign up for multiple policies, so you need to consider whether switching providers makes sense when shopping for pet insurance.
Many pet insurance companies also offer multi-pet discounts. Unfortunately, these are usually limited to dog and cat insurance, so you probably won’t be able to take advantage of multi-pet discounts if you have an exotic pet.
If you’re looking for the best pet insurance for your dog, Lemonade is our top recommendation. Lemonade has unbeatable prices for the levels of coverage and customization.
For more flexible coverage, Spot is your best bet. Spot offers unmatched control over your dog’s insurance coverage and policy options, making it the perfect choice for creating a handcrafted policy. Wagmo and Embrace are also solid choices if you need something more affordable and favor plans with lower monthly premiums.
Honorable mentions go to Nationwide and ASPCA Pet Health Insurance, popular options that we found to be a notch below the nine companies presented here.
The cost of pet insurance for a dog varies. It depends on your pet’s age and breed, location, insurance provider, and policy details. You should expect to pay between $20 and $50 a month for insurance for a young, healthy dog with no pre-existing conditions.
Some breeds, like Pitbulls and Rottweilers, are considered high-risk. The price to insure them is higher than average. Premiums are also significantly higher for older dogs.
You should also expect to pay more than the national average for pet insurance if you live in expensive areas like California or New York rather than in lower-cost-of-living regions such as the midwestern United States or central Canada.
Most pet insurance companies offer free premium quotes through their websites, making it easy to compare insurance providers while getting a sense of your monthly premiums. You can typically sign up for coverage online without scheduling an in-person appointment or calling an insurance agent. Most pet insurance companies are also happy to assign you coverage over the phone, which can be helpful if you have questions to get answered before committing to a policy. Be prepared to share your dog’s medical records with the insurance company when you request a quote. Pet insurance companies must know your animal’s medical history before they sign off on coverage and quote you a price.
Most pet insurance policies have waiting periods before their coverage kicks in. These periods can vary from as little as a few days to over a year, and many companies have different waiting periods for different conditions. Cruciate ligament injury coverage often has a 6-month waiting period, and hip dysplasia waiting periods can be 12 to 18 months.
Pet insurance coverage varies greatly between providers, but the most popular plans cover accidents, illnesses, and overall wellness. Accident coverage helps pay for surgeries, physical therapy, and prescription medications associated with unexpected injuries. Illness coverage usually includes reimbursements for chronic diseases such as arthritis, diabetes, cancer, dental illnesses, and genetic conditions.
Some policies include wellness coverage that helps you pay for routine health care for your pet. Wellness coverage is often worth the cost if you take your dog to yearly checkups because it covers vaccinations, diagnostic testing, flea and tick medication, and other regular care your pet needs.
Coverage for older pets is tricky. Some companies impose an upper age limit on new policies. You’re better off purchasing insurance when your dog is a puppy because coverage will extend for life, and you’ll get better rates and monthly premiums. You should be able to find a policy for an older dog if you shop around, but be prepared to pay significantly more than the average cost.
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