Did you know that nearly everyone owns a pet today?

Hence, we need to keep them safe by choosing to opt for dog insurance. Here, you will find out which canine insurance companies are the very best in terms of affordability, flexibility, and the overall quality of the service.

Did you know that nearly everyone owns a pet today? Hence, we need to keep them safe by choosing to…

Did you know that nearly everyone owns a pet today?

Hence, we need to keep them safe by choosing to opt for dog insurance. Here, you will find out which canine insurance companies are the very best in terms of affordability, flexibility, and the overall quality of the service.

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The Best Dog Insurance Options

COMPANY
STATS
FEATURES
PRICE
Zero deductibles
Zero forms to fill out
Pre-existing conditions included
Not age limit
FROM Around $10.00 per month
Yearly deductibles
No lifetime limit
Claims paid within 14 days
10% discount for more pets
FROM $13–$100 per month
Hereditary conditions are insured
Simple plan
No caps on claim payouts
FROM $15 to $90 per month
Annual deductible
Claims are paid within a week
App available for claim support via Android and iOS
10% discount for more pets
FROM $9–$135 per month
No vet records required to enroll
Pets covered when traveling in Canada or the US
5% discount for added pets
Optional hereditary condition coverage
FROM $25–$55 per month
Added routine care rider
No maximum age limit
Vet exam not required for coverage
Waiting periods are short
FROM Around $24.00 per month
No age restriction for hip dysplasia
One month money-return guarantee
No payout limits
Extra benefits
FROM $36–$100 per month
Insurance for exotic animals as well
Process claims within a month
Complete coverage plans offered
Owners can get a quote online
FROM $12 per month
Fit for different budgets
Covers canine behavioral issues
Covers lifetime expenses
FROM $10 per month
5% discount for purchasing plan online
No per condition or lifetime claims limit
Claims usually paid within a week
Exam fees for illness visits covered
FROM $34–$54 per month
Offers two levels of wellness care + benefits
Excellent claims satisfaction
App available to make things easier
Budget-friendly
FROM $30.06 per month

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Our Detailed Dog Insurance Reviews

Pet Assure Review

Pet Assure Dog Insurance Review

Best Pet Insurance for Dogs with Pre-Existing Conditions

Rating: 10

  • Process Time of Claim: Within 5 days
  • Benefit Limits: No set limits
  • Deductible: No deductibles
  • Premium (Monthly): $10.15

What sets this company apart from other canine insurance companies is that it isn’t considered an insurance plan.

Rather, Pet Assure insurance reviews reveal that it’s a program that offers discount services to pet owners and their furry family members.

In other words, instead of cashing out for monthly premiums and expecting reimbursement for a portion of the expenses, pet owners are required to pay a so-called membership fee in exchange for services at a reduced price.

What we liked most about Pet Assure is that there are no deductibles. Think about it: standard dog insurance companies typically include deductibles that need to be paid either yearly or upon visiting the vet due to a recent health problem.

Instead, dog insurance reviews reveal that with this policy, pet owners are only required to pay an annual or monthly premium.

Furthermore, there are no forms to be filled out. This means that once the pet owner signs up, the canine is insured without requiring any additional documentation.

Furthermore, no claim forms need to be filled out.

Most importantly, Pet Assure does not exclude pre-existing conditions, and there’s no waiting for any kind of coverage whatsoever. Furthermore, there are no age limitations.

However, we didn’t like the fact that pet owners can only use veterinarians that are approved by Pet Assure.

Also, top dog insurance reviews reveal that lab services, specialty services, and prescription medication and foods are not covered.

Pros:

  • A very convenient and simple plan
  • No wait for reimbursement
  • Owners can save money
  • Pre-existing conditions are covered
  • No age limit

Cons:

  • Vet coverage limited
  • Participating veterinarians may be expensive
  • No participating vets in Idaho, and only two in Milwaukee, Wisconsin
  • Some customers reported service issues

Embrace Dog Insurance Review

Embrace Dog Insurance Review

Best Dog Liability Insurance

Rating: 10

  • Process Time of Claim: Typically within 2 weeks
  • Benefit Limits: From 70% to 90% of annual fees
  • Deductible: From $200, $300, $500, $750, up to $1,000
  • Premium (Monthly): From $16

Embrace is not the most budget-friendly option on the list, but its quality of service and the broad range of coverage are superb.

The policies behind this top dog insurance company were rated A+ by the Better Business Bureau, and they’re underwritten by the American Modern Insurance Group.

First of all, this insurance company provides owners with a standard plan that comes with a broad range of coverage. It includes typical accidents and illnesses, as well as behavioral therapy, prosthetic limbs, and other alternative treatments.

Not only that, but as the best dog insurance for 2020, Embrace offers coverage for prescription drugs and wellness plans in all of its policies.

What about benefits and flexibility?

In short, these plans don’t provide owners with unlimited benefits. Instead, Embrace’s plans offer annual benefit limits that range from $5,000 to $30,000.

This isn’t too bad, as customers can easily lower the premiums and fully customize options tailored to their own needs.

Furthermore, this is great dog insurance for multiple dogs. It offers customers a selection of annual deductibles ranging from $200 to $1,000. However, reimbursement options range from 70% to 90%.

Pros:

  • There’s no lifetime limit
  • No per-incident limits on claims
  • Optional wellness rewards offered
  • Claims are usually paid within two weeks
  • A discount of 10% for more pets

Cons:

  • $25 enrollment fee and $1 transaction fee per month
  • Only pets aged 14 or younger qualify for illness or accident coverage
  • Pre-existing conditions not covered
  • Pets not covered outside the US

Healthy Paws Review

Healthy Paws Dog Insurance Reviews

Best Value Pet Insurance

Rating: 9.6

  • Process Time of Claim: Typically within two days
  • Benefit Limits: 70%, 80%, and 90% of annual fees
  • Deductible: $100, $200, $500, up to $750
  • Premium (Monthly): From $25

Healthy Paws has been a go-to for pet owners since 2009 due to its superb customer service, the absence of caps on lifetime and annual payouts, and its annual deductible.

The company was rated A+ by the BBB, and it’s underwritten by the Chubb Group. Another reason we love Healthy Paws is that it started a foundation in 2009 to help homeless pets.

As the second-best insurance for dogs in 2020, it offers excellent coverage without any caps on claim payouts. Healthy Paws’ policies cover illnesses and accidents, but not pre-existing conditions.

Furthermore, when it comes to congenital and hereditary conditions, the restrictions are non-existent.

Healthy Paws’ policy covers hospital stays, hip dysplasia for animals younger than six (if it isn’t a pre-existing condition), emergency care, and treatments like physical therapy, hydrotherapy, and acupuncture.

On the downside, this dog insurance company doesn’t provide an optional wellness plan.

Along with providing practically the best dog insurance, it offers policies with no caps or limits, including per-incident, lifetime, or annual.

Another reason we love Healthy Paws is the company includes unlimited coverage in its standard plan. Whereas other insurers may offer unlimited benefits only after purchasing a top-level plan.

Furthermore, the insurer offers pet owners a customizable annual deductible, which is helpful for controlling costs.

Pros:

  • Hip dysplasia covered (as long as the canine is enrolled before the age of 6)
  • The plan is simple
  • Reasonable prices
  • No caps on claim payouts
  • Pets can be enrolled up to the age of 14

Cons:

  • Does not cover the examination fee portion of the canine’s visit to the veterinarian
  • Hip dysplasia is only covered for pets before they turn 6
  • Owners need to wait a year for Healthy Paws coverage to kick in
  • $25 single-time enrollment fee

Figo Insurance Review

Figo Dog Insurance Review

Best Pet Insurance for Tech-Savvy Owners

Rating: 9.5

  • Process Time of Claim: Within 14 days
  • Benefit Limits: $5,000, $10,000, or unlimited
  • Deductible: $100–$1,500
  • Premium (Monthly): $20–$80

We believe Figo appeals to tech-savvy clients because the company is all about its totally paper-free claims process through Pet Cloud.

With Pet Cloud, clients are offered the ability to consult a licensed vet via video chat, use a mobile app and online portal to file claims or search for a lost pooch, and much more. The company was founded in 2012 as a vital component of Google’s Tech Hub Network. 

This Figo dog insurance review focuses on how amazing it is that all of the company’s policies offer pet owners with a broad range of coverage at a budget-friendly price.

Keep in mind that the lowest level plan offers standard coverage for illnesses, accidents, behavioral problems, and prescriptions, whereas the upper-level plans offer coverage for locating a pet that has been lost.

Also, canines with pre-existing conditions (that are curable) qualify for coverage if they haven’t displayed any symptoms or signs within 18 months after the last treatment’s date.

Based on the dog insurance comparison chart from 2020, Figo offers pet owners with benefit limits between $5,000 and $10,000, as well as unlimited or annual deductibles ranging from $100 to $1,500.

As for reimbursement, the insurer offers four reimbursement options of 70%, 80%, 90%, and 100%.

However, pet owners need to be aware that this insurer’s standard plan is more on the expensive side. In fact, the premiums range between $20 and $80.

Pros:

  • Annual deductible
  • Claims are usually paid within a week
  • Figo dog insurance reviews mention a discount of 10% for multiple pets
  • For an additional cost, vet exam bills can be covered as well
  • Available app for Android and iOS users

Cons:

  • For knees, there’s a waiting period of 6 months
  • For illnesses, there’s a waiting period of 2 weeks
  • An admin fee of $9 + $2 monthly or a $10 annual fee
  • No wellness plan

AKC Dog Insurance Review

AKC Dog Insurance Review

Best Pet Insurance for Multiple Dogs

Rating: 9.6

  • Process Time of Claim: Typically within less than a week
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100–$1,000
  • Premium (Monthly): From $20

The American Kennel Club, or AKC for short, joined up with PetPartners in 2003 to make sure pets of any breed and size can stay safe and sound.

Here’s what you need to know about the policy.

First, we believe one of the key features of this dog insurance policy is that pets don’t require a vet exam for enrollment. Furthermore, the majority of claims are processed in a week or less.

Every AKC pet health insurance policy has an annual deductible, which means that pet owners are only required to meet their deductible once per insurance policy period. Also, at enrollment, the majority of AKC plans let pet owners select their own deductible.

Another reason why we believe AKC deserves a place on our list is that there is no maximum age limit for canines.

Furthermore, owners can insure puppies starting at their 8th week on the planet.  Additionally, pets over the age of 9 are suitable for accident coverage.

On the flip side, AKC insurance reviews reveal that AKC’s base policy is limited as it fails to cover the cost of vet exam fees and elective procedures. Of course, pet owners can choose to add these to their coverage for an additional sum.

Finally, AKC’s travel coverage is limited as well. Unfortunately, pets who are traveling outside of Canada and the States won’t have vet care coverage.

Pros:

  • Vet exam not required for enrollment
  • A discount of 5% for multiple pets
  • Annual deductible
  • 30-day certificate
  • No maximum age limit

Cons:

  • Limited base policy
  • Pets not covered outside of Canada and the US
  • Illness coverage for dogs over the age of 9 is nonexistent

Petfirst Dog Insurance Review

petfirst Dog Insurance Review

Best Pet Insurance Policy with Added Riders

Rating: 9.9

  • Process Time of Claim: Typically within 2 weeks
  • Benefit Limits: Three different benefit limit schedules of $5,000, $10,000, and $20,000
  • Deductible: $50–$500
  • Premium (Monthly): From $12

Next up, we have Petfirst, one of the most rapidly growing dog insurance companies in North America.

These dog insurance plans offer pet owners with plenty of options when it comes to annual benefit amounts, as well as chronic care coverage. Furthermore, there are no per-incident or lifetime limits for canines of different ages.

So without further ado, here’s our Petfirst insurance review.

To start, we need to mention that there are three popular plans for pet owners to consider.

These are the Cost-Conscious, Recommended, and Additional Coverage plans. It doesn’t matter how old your canine is, as all three plans allow pets of various ages. Keep in mind that the reimbursement for all three plans is 80%.

We loved the fact that accidents, illnesses (including hereditary and chronic conditions), hospitalizations, diagnostic tests, surgeries, and exam fees are covered in the plans.

Furthermore, Petfirst reviews reveal that after a waiting period of 12 months, your canine is also covered for intervertebral disc disease, medical cruciate, and cranial cruciate ligaments.

On the flip side, pre-existing conditions, elective procedures, breeding, pet supplements, grooming, and parasite treatments remain uncovered.

On a positive note, we liked the fact that Petfirst offers a routine care rider. This is nearly the best insurance for dogs if you want to reduce your yearly costs for vaccinations or wellness checkups.

Also, the claims are processed within 14 days, making it easy for pet owners to get reimbursement.

Pros:

  • Company offers a wide range of coverage 
  • After 12 months, possible additional coverage for medical cruciate and anterior cruciate ligaments
  • Added routine care rider
  • Fast claim turnaround
  • There is no maximum age for pets

Cons:

  • Deductibles are per incident
  • Yearly maximums
  • Premiums are fairly high
  • Doesn’t cover routine wellness

Trupanion Dog Insurance Review

trupanion Dog Insurance Review

Best Lifetime Pet Insurance

Rating: 9.7

  • Process Time of Claim: Typically within 2 weeks
  • Benefit Limits: 90%
  • Deductible: Can be customized from $0 to $1,000
  • Premium (Monthly): From $36

We highly suggest Trupanion for canine owners who are searching for a reliable company that offers unlimited insurance for pets.

This pet owner’s favorite was founded back in 1999, and it’s underwritten by the American Pet Insurance Company.

When it comes to coverage, Trupanion dog insurance reviews reveal that the insurer’s plan covers up to 90% of suitable expenses for unexpected injuries and illnesses, including congenital and hereditary conditions.

Most importantly, you can rest assured that your canine will be insured for a lifetime. However, Trupanion coverage does not include pre-existing conditions.

As for benefit limits, Trupanion will fund 90% of all suitable expenses for the whole lifetime of the pet. However, expenses deemed unsuitable include sales tax, preventative care, exam fees, pre-existing conditions, and wellness care.

Another feature that places Trupanion among the best dog insurance options is its deductible policy. The policy is customizable, and it ranges anywhere from $0 up to $1,000 (based on the condition). 

What we liked most about this dog insurance company is that it doesn’t make its customers wait for reimbursement. As a matter of fact, it’s the only insurer that pays its portion of the owner’s vet fees directly to the veterinarian electronically.

In other words, pet owners only need to fund 10% for covered costs and 100% for non-covered costs (including exam fees and sales tax).

Pros:

  • Trupanion reviews reveal that there are no age restrictions for hip dysplasia
  • No payout limits and 90% reimbursement
  • Optional benefits are offered for added costs
  • Money-back guarantee of 30 days
  • Canine is covered in Canada, Puerto Rico, and the US

Cons:

  • Single-time administration fee of $35
  • Premiums increase up to 20% each year
  • Pets older than 14 are not suitable for enrollment
  • No wellness plan

Nationwide Dog Insurance Review

Nationwide Dog Insurance Review

Best Flexible Pet Insurance

Rating: 9.6

  • Process Time of Claim: Within a month
  • Benefit Limits: 50%, 70%, and 90%
  • Deductible: $250
  • Premium (Monthly): $36

Nationwide has processed over 2 million claims since 2018, and it has insured over 700,000 pets—we believe this is truly impressive.

Not only does this insurer provide pets with medical and wellness coverage in a single plan, but it allows pet owners to freely use any veterinarian. This means that owners aren’t required to change veterinarians in order to find one that accepts the insurance.

As a top dog insurance company, Nationwide gives pet owners two options: benefit schedule or a percentage of the invoice.

The first type reimburses pet owners with a set amount based on the insurer’s schedule, while the latter reimburses owners with a percentage of the service costs (a maximum of 90%).

We suggest opting for a percentage of the invoice, as pet owners who go for a benefit schedule need to pay attention to what the insurer deems equitable.

Other dog insurance reviews on consumer reports reveal that Nationwide will exclusively reimburse pet owners for the covered bills minus any deductible the owner needs to pay.

Owners who choose to file a claim over the internet usually receive reimbursement within a couple of days.

What about Nationwide dog insurance coverage?

Nationwide offers three different coverage plan levels, Whole Pet with Wellness, Major Medical, and Pet Wellness.

We want to highlight the first one, as it covers injury, illness, and wellness all in one plan. What’s more, it includes vaccinations, lab tests, medications, surgery, chronic conditions, and annual exams.

According to the pet insurance comparison chart, Nationwide has some exclusions as well.

These include developmental disorders and congenital anomalies, hereditary disorders, grooming, knee injuries, behavioral therapy or training, and pre-existing disorders.

However, if a pet owner has proof from the veterinarian that their canine is completely cured of the problem, the pre-existing condition can be covered after six months.

Pros:

  • Owners can get a quote over the internet in no time, according to most Nationwide dog insurance reviews
  • The company also insures exotic pets
  • Some plans don’t offer maximum coverage (filing claims is more flexible)
  • Different options suitable for different budgets

Cons:

  • Major Medical and Whole Pet with Wellness require a waiting period of two weeks
  • The company requires a waiting period of one year for ACL surgery 
  • Nationwide is not available in all 50 states
  • As the pet ages, the premiums increase

ASPCA Dog Health Insurance Review

ASPCA Dog Health Insurance Review

Best Affordable Dog Insurance

Rating: 9.7

  • Process Time of Claim: Within two weeks
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100, $250, and $500
  • Premium (Monthly): $9.95–$24.95

Canine owners who are passionate about fighting animal cruelty probably know the ASPCA as an organization dedicated to educating the public about inhumane animal treatment while rescuing canines and other creatures.

However, the ASPCA also licensed its famous name to C&F Insurance Agency, Inc., a company that offers insurance for dogs.

First, ASPCA dog health insurance provides customers with two plans: one for illness and accident, and another for accidents only.

Although we highly recommend the first plan for obvious reasons, pet owners with tight budgets can opt for the latter. 

However, the Complete Coverage plan ensures your pooch is covered in case of illnesses, hereditary conditions, behavioral conditions, and accidents.

Another reason this is among the best-rated dog insurance is that it covers the majority of medical treatments (for conditions that are covered), including testing, hospitalization, exam fees, vaccinations, and surgery.

However, there is a two-week waiting period for illness and accident coverage.

When it comes to annual reimbursement caps, it entirely depends on the benefit limit chosen by the customer at enrollment.

The expenses this insurer won’t cover are the following: pre-existing conditions, cruel treatment, knee and ligament conditions, and other expenses such as pregnancy, alternative treatments, and breeding.

This affordable dog health insurance option offers three annual deductibles for customers: $100, $250, or even $500. Additionally, the ASPCA offers 70%, 80%, or up to 90% of reimbursement for eligible expenses.

Pros:

  • Customizable policies are available
  • Excellent for people looking for budget-friendly options
  • Reimbursement rates, deductibles, and annual limits can be changed
  • Canine’s behavioral issues are covered
  • Canine’s lifetime expenses, even burial, are covered

Cons:

  • Two-week waiting period for coverage of specific illnesses, knee injuries, and accidents
  • Pre-existing conditions are not covered
  • Some customers reported low reimbursements
  • Lack of unlimited claim options

Petplan Dog Insurance Review

Petplan Dog Insurance Review

Best Free Puppy Insurance

Rating: 9.9

  • Process Time of Claim: Less than a week
  • Benefit Limits: 70%, 80%, and 90%
  • Deductible: $100–$1,000
  • Premium (Monthly): From $20

Petplan, a top-quality insurance company founded in 2003, not only offers dog insurance in the States, but Canada as well. Here’s why people with dogs and cats love them.

Petplan provides customers with impressive coverage for both canines and felines. The coverage completely includes illnesses and accident-related conditions with zero restrictions on genetic conditions.

Furthermore, Petplan’s coverage extends to non-routine vet exams, advanced testing, and even hospital stays. Also, the insurer offers cheap dog dental care for periodontal illness and dental injuries.

However, your dog needs to have an annual checkup for the coverage to be valid.

Petplan’s benefit limits are similar to the ones that Healthy Paws offers. In other words, Petplan gives its customers unlimited coverage.

Furthermore, customers can select from different annual benefit limits, giving pet owners full flexibility. 

As for the deductibles, they’re per condition, meaning that the customer needs to meet a deductible every time the canine is treated.

Finally, as one of our bestrated dog insurance companies, Petplan reimburses fees based on veterinary expenses.

Best of all, animal lovers can get four weeks of completely free kitten and puppy insurance through the breeders partnering with this insurance company.

Pros:

  • 5% discount offered for users who purchase the insurance plan online
  • Zero per-condition or lifetime limits
  • Available app for Android and iOS users
  • Exam fees for illness visits are covered
  • Pets are covered when traveling in Canada or the States

Cons:

  • The best dog insurance reviews reveal that to be eligible for coverage, owners need to take their canine to the vet’s office within 48 hours of injury or illness
  • No discount for more pets
  • Annual dental and health check-ups are required to be eligible for coverage
  • No wellness plan

Progressive Insurance for Dogs Review

Progressive Dog Insurance Review

Best Pet Insurance with Wellness Benefits

Rating: 9.7

  • Process Time of Claim: Within two weeks
  • Benefit Limits: 90%
  • Deductible: $250
  • Premium (Monthly): $9 for accidents only, and $16–$26 for illness and accidents

Even though this insurance company is most famous for its auto and home insurance, it also excels in protecting your furry family member.

In fact, in 2007, Progressive joined forces with Pets Best to offer customers the very best insurance plans for canines and felines.

Right off the bat, we were impressed by how much the policy can cover, making it one of the best dog insurance plans.

For instance, accidents, cancer care, acupuncture, lab testing, injections, X-rays, hospitalization, and surgeries are covered by Progressive. 

However, customers need to keep in mind that conditions and treatments such as anal gland expression, behavioral treatment, chronic conditions, pregnancy, spaying/neutering, and vaccines are not included. Unfortunately, cremation and burial are not included either.

Pet owners who want coverage for some of the common preventative treatments that aren’t included can receive it by acquiring a wellness plan. Progressive offers customers the Essential Wellness plan for $16 per month and a Best Wellness plan for $26 per month.

This is why we awarded Progressive with the title of best dog insurance with wellness benefits.

Pet owners who are looking to save money can opt for an accident-only plan that excludes illnesses. With this plan, customers get coverage with a deductible of $250 and a 90% reimbursement.

The best thing about this plan is that it comes at a rate of only $9 per month.

Pros:

  • Two levels of wellness care offered (plus benefits)
  • The claims filing process is simplified with an app
  • Caters to every budget

Cons:

  • Longer waiting periods
  • The standard policy doesn’t cover exam expenses
  • Progressive dog insurance reviews reveal that these policies are sourced by Pets Best and underwritten by an insurer that’s unrated
  • Cremation and burial not included

Our Methodology for Ranking the Top Dog Insurance Companies

There are a couple of important things we took into account when selecting the best of the best canine insurance companies.

When selecting the most amazing pet insurance companies and putting together comprehensive reviews, such as our Trupanion or Petplan insurance review, we took several factors into consideration. 

The most relevant factors included deductibles, benefit limits, annual and monthly premiums, exclusions for age limitations, waiting time for coverage, and coverage for pre-existing health conditions. 

Monthly vs. Annual Premiums

In the simplest terms possible, premiums are the amount of money paid monthly or yearly for your pooch’s insurance coverage.

Usually, higher premiums are linked with lower deductibles and lifetime maximums.

Pet owners need to understand that sometimes the best value dog insurance with higher premium plans provide more coverage for lab analysis, medication, and various other vet care necessities.

Even though selecting a plan with a lower premium is much more cost-effective on a monthly basis, pet owners might end up spending more money for vet care over the course of the pet’s life. This is due to higher deductibles and lower max benefits.

We searched for dog insurance plans that provide pet owners with different coverage levels with diversified benefit maximums and deductibles. 

So what’s the best dog insurance to get?

We firmly believe that canine lovers should be able to fully customize their pet’s insurance plan to their liking. This way, pet owners can choose a plan that not only meets all of their needs but is also budget-friendly.

Deductibles and Benefit Limits

Choosing a deductible is very important, as a lower deductible indicates less out-of-pocket expenses before the canine’s insurance plan begins to cover the animal’s vet care needs.

Furthermore, there are various dog insurance plans that offer a per-condition deductible instead of an annual one.

Dog insurance reviews reveal that this is excellent for pooches who only have a couple of health problems. However, a pet can get sick at any time, so these dog insurance plans are not the safest ones out there.

Most dog insurance plans offer maximum benefit limits.

The plans that come with lifetime or higher yearly benefits help owners feel more at ease in case their dog becomes ill.

But keep in mind, there are some dog insurance plans that don’t offer maximum benefit limits.

What Does Dog Insurance Not Cover?

When evaluating the best canine insurance plans, we made sure to check insurance exclusions.

Keep in mind that all dog insurance plans have exclusions, like lab services, prescription medication, specialty vet services, and examination fees.

Not only that, but some dog insurance plans won’t accept older canines, and there are some that don’t cover animals with pre-existing conditions. 

Nevertheless, there are insurance plans that do cover past conditions. However, this is only if the canine has been free of symptoms for a period of time and if the condition has been treated.

Nevertheless, some of the top-rated dog insurance choices offer owners extra compensation for different services like training and dog grooming.

Waiting Periods for Insurance

Finally, we compared these insurance plans by checking the waiting periods for coverage. Before coverage begins, the majority of plans include a waiting period ranging from a couple of days to a few weeks.

However, there are plans that include waiting periods for varying types of needs at the veterinarian’s office.

Our goal was to select dog insurance plans with minimal waiting periods for different health conditions and injuries.

How Much Is Dog Insurance?

Before making sure that we selected only the best of the best for you, we checked the pricing.

Keep in mind that just like car insurance or health insurance for humans, every dog owner’s insurance cost will be different.

It’s important to realize that animal insurance policy prices differ from pet to pet. They’re based on the pet’s age, gender, weight, and breed.

Even though it may be extremely budget-friendly, cheap dog insurance plans won’t come even close in quality to more expensive choices.

Nevertheless, the pricing and affordability of an insurance plan are entirely up to the budget of the pet owner.

Keep in mind that the more coverage an owner pays through the monthly premium, the less the owner will have to cash out when something goes wrong.

Our Guide to Selecting the Best Dog Insurance

Choosing the best dog insurance policy for your faithful companion can be daunting, as there are many companies out there in the wide world.

Here are the most important factors you need to consider before investing any money in an insurance policy for your canine.

The Policy’s Coverage

Sadly, pets can face numerous medical issues, from tooth problems to cancer and heart disease.

Here’s where the best dog insurance plan comes in handy. It’s been created for the unexpected circumstances pet owners may face throughout the life of a pooch. 

Not only that, but certain dog breeds may be predisposed to certain health problems.

For instance, Pugs can develop eye problems, German Shepherds are more prone to hip dysplasia, and Golden Retrievers have a high chance of developing cancer.

What Makes a Good Policy?

Well, the policy you should be searching for is one that covers a broad range of conditions and has a limited list of exclusions.

Many of the best dog health insurance reviews reveal that even though wellness coverage might seem fantastic—as it covers routine procedures such as checkups and vaccinations—it also inflates the total amount of your monthly premium.

The Three Main Types of Dog Insurance Coverage

An insurance policy for pets includes three distinct types of coverage:

  • Wellness coverage: This type of coverage includes the cost of standard procedures such as vaccines, yearly exams, and anti-flea treatments.
  • Illness and accident care: Which is the best dog insurance? The insurance policy you should be looking for includes both illness and accident coverage. For instance, these may include broken bones, cancer, ear infections, toxic substance ingestion, and so on.
  • Protection against accidents only: This type of policy only protects your pet against accidental harm or injuries such as broken bones and dog bites from other canines.

Benefit Limits and Why They’re Important

Benefit limits are completely dependent on the company you choose for your furry companion. There are some plans that provide pet owners with benefits that are capped on a lifetime, yearly, or per-condition basis.

Furthermore, many of the companies that provide the best medical insurance for dogs also offer unlimited lifetime benefits to animal owners.

We highly recommend owners go for plans that offer unlimited lifetime benefits because the plans won’t come with a payout cap.

The Four Main Types of Benefit Limits

There are four different benefit limit types that are important for any pet owner:

  • Annual maximum: A number of companies have an annual limit, or they cap their payouts. This means that once a pet owner reaches the limit, he or she won’t be reimbursed for the money spent after. For example, check our Pets Best review above.
  • Annual per incident: This signifies the maximum amount the company will pay pet owners for a given procedure, illness, or condition in a year.
  • Lifetime maximum: This signifies the maximum amount the company will pay pet owners, either per condition or for their lifetime. We do not suggest lifetime maximums for pet owners with canines suffering from chronic diseases.
  • Unlimited lifetime: Here, the dog insurance company doesn’t have an upper limit regarding the amount of money paid to cover the vet bills.

Deductibles and Reimbursements

How do I choose dog insurance?

How do deductibles and reimbursements factor in?

These two terms often confuse pet owners, so here’s all you need to know about them.

The amount of money pet owners must pay from their own wallets before the insurance company takes over is called a deductible.

On the other side, the percentage of the total bill the insurance will pay is called a reimbursement.

The best dog insurance plans offer flexibility so owners can tweak the reimbursement and deductible to their own liking and needs.

Deductibles

First and foremost, pet owners who pay higher deductibles also pay lower premiums on a monthly basis. However, it’s important to realize that a deductible isn’t the same as a co-payment.

For instance, if a pet owner has a deductible of $400, then throughout the year, he or she will pay for everything before the initial $400.

Following this, the dog insurance plan will start taking effect, and a certain percentage of the total bill will be paid by the company.

Facts on dog insurance reveal that if an owner has a $1000 veterinary bill as well as a 90% reimbursement, the dog insurance company will cash out $900, while the owner will pay $100 from their own pocket.

The Three Types of Deductibles

Every pet lover should know about the following types of deductibles:

Per-Condition Lifetime

This type of deductible is based on the condition. When the deductible is valid, the dog insurance company pays for a specific condition based on the reimbursement model. It also resets for the lifetime of the pet. 

 

Per-Condition Annual

This type of deductible is similar to the previous one. However, it resets each year.

Annual Deductibles

This type of deductible includes all conditions, illnesses, and accidents in a single year. It resets when the year comes to an end.

 

Compare Dog Insurance Plans: Lower vs. Higher Deductibles

Lower deductibles:

  • Higher monthly premiums
  • Pet owners save money at the vet
  • Pet owners attain 90% coverage of qualified conditions sooner

Higher deductibles:

  • Lower monthly premiums
  • Pet owners may save money at the moment but can end up paying more in the future
  • Pet owners might wait longer to attain 90% coverage of qualifying conditions

The Three Types of Reimbursements

Most of the top dog insurance companies will employ three distinct reimbursement types:

Benefit Schedules

This type of reimbursement model isn’t as popular anymore, but it’s worth mentioning. In it, the dog insurance company has established a fixed amount that the owner will be reimbursed for each illness, procedure, or condition.

Customary and Usual

This type of reimbursement model is the least popular of the three. It implies that the dog insurance company has established a fixed amount for which it will reimburse the owner for each procedure.

Additionally, it’s based on the owner’s location.

Actual Cost

Facts on the best dog insurance reveal that once the owner pays the deductible, the dog insurance company will pay them a percentage of the initial vet bill.

Also, the majority of insurance plans that use this model allow owners to select the desired percentage.

Now, let’s say that the dog insurance plan you’ve selected has a reimbursement level of 100%. Furthermore, the deductible adds up to $50 and the annual max is $10,000.

So in this case, how does your dog insurance work?

If the canine is accidentally injured and the medical bills add up to $15,000, you need to pay the initial $50, while the pet insurer reimburses you for a total of $10,000.

However, you’ll have to take responsibility for paying the remaining funds, or $4,950 in this case.

Rates for Dog Insurance

We believe that a solid dog insurance cover typically costs between $30 and $70 each month. Of course, the cost of the insurance can vary depending on the pet owner’s budget and the needs of the canine.

Here are some of the most common factors that may change your quote from the best dog insurance companies:

  • Dog insurance costs more than cat insurance
  • Insuring an older canine costs more than insuring a younger one
  • Insuring large dogs is more expensive

However, the following does not directly affect the total cost of dog insurance premiums:

  • The pet’s weight gain or weight loss
  • Prior chronic conditions or medical history
  • The number of claims that have been submitted
  • The level of training the pet has

Frequently Asked Questions

What does dog insurance cover?

Dog insurance is a necessity for animal owners, as it covers vital medical costs in case of an emergency.

Not only that, but dog insurance plans help cover routine dog healthcare such as deworming and teeth cleaning.

Also, it helps pet owners pay for necessary treatments when the animal is sick. Even though insurance is typically for cats and dogs only, some companies offer exotic pet insurance for frogs, snakes, and iguanas.

Is there a dog insurance option that covers everything?

There will always be “exclusions” in a dog insurance plan. The most common exclusions include treating signs of abuse, ambulance costs, artificial limbs or other prosthetics, bilateral conditions, and dental costs (such as orthodontics, oral disease, and cleaning).

Other exclusions often include illnesses with a known vaccine (this is created to stop owners from neglecting vital vaccinations) and elective surgeries (such as desexing).

Furthermore, typically, dog insurance doesn’t cover organ transplants.

Is dog insurance worth it?

Absolutely. Since dog insurance is a safety net to help pet owners protect their furry family members against unexpected expenses, we highly recommend you check it out.

Obviously, dog insurance will take care of your canine’s veterinary bills and leave you feeling more at peace. Still, for some people, it may seem like just another unnecessary cost.

In this case, we suggest dog owners consider how they would deal with an unexpected medical bill if their pet suddenly fell ill.

Can you have 2 dog insurance policies?

Yes, you can. However, insuring your dog twice can cost you a lot of money, and there may be some issues when you have a claim.

To keep it simple, we highly recommend you make a single claim and stick to one policy.

Keep in mind that you can only claim through a single policy should you need coverage for veterinary fees related to theft, loss, accident, or illness.

Do most vets accept pet insurance?

Typically, veterinarians don’t directly accept dog insurance.

You and your vet need to make a joint decision about the medical care for your beloved pet. This means that the dog insurance company isn’t involved. 

In other words, pet owners pay the bills themselves, and after that, they submit a claim to the dog insurance company.

If the bills are covered, the dog insurance company will reimburse the owner for a percentage of the cost based on the plan’s coverage.

What is a pre-existing condition for dog insurance?

If your pet has a pre-existing condition, it means the animal has shown symptoms of an illness or injury before the coverage starts.

In fact, pet owners don’t need to know the formal name of the condition for it to be assessed as a pre-existing condition. The majority of dog insurance companies don’t cover pre-existing conditions.

For instance, a dog that has skin issues enrolls in a plan and is later diagnosed with an allergy is not suitable for coverage.

Does AAA offer pet insurance?

Yes, AAA offers dog insurance with the help of Healthy Paws.

The advantages offered are the following: 99% of claims are processed in only two days, any licensed vets can be used, and there are no caps on claim payouts.

Check out our detailed review on Healthy Paws to learn more.

Final Thoughts

We firmly believe paying the premiums that ensure your pet is protected is completely worth it, especially if an unfortunate disaster strikes all of a sudden out of nowhere.

Hopefully, we helped you select the best dog insurance for your loyal companion and that you’ll use the information we provided to your advantage.

Keep your pet safe—they deserve it!