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 dog insurance companies are the very best in terms of affordability, flexibility, and the overall quality of the service.

Quick Glance at the Best Companies

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Embrace

Best Dog Liability Insurance

  • There’s no lifetime limit
  • No per-incident limits on claims
  • Optional wellness rewards offered
  • Claims are usually paid within two weeks

Pet Assure

Best for Dogs with Pre-Existing Conditions

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

Healthy Paws

Best Value

  • Hip dysplasia covered
  • The plan is simple
  • No caps on claim payouts
  • Enrollment for dogs up to 14 yrs.

Wagmo

Best Insurance & Wellness Plan Combo

  • Insurance and wellness plans
  • Multi pet and renewal discounts
  • Works with any licensed veterinarian
  • Very transparent

MetLife

Best with Added Riders

  • Offers a wide range of coverage
  • Coverage increases after 12 mo.
  • Added routine care rider
  • There is no maximum age for pets

Petplan

Best Free Puppy Insurance

  • 5% discount for online sign-up
  • Zero per-condition or lifetime limits
  • App for Android and iOS users
  • Vet exam fees are covered

Each Dog Insurance Company in Detail

Embrace

star 10

Best Dog Liability Insurance

  • 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

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 2022, 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

Cons

  • Only pets aged 14 or younger qualify for illness or accident coverage
  • Pre-existing conditions not covered

Pet Assure

star 9.9

Best for Dogs with Pre-Existing Conditions

  • Process Time of Claim: Within 5 days
  • Benefit Limits: No set limits
  • Deductible: No deductibles

What sets this company apart from other dog insurance companies is that it isn’t considered an insurance plan. Furthermore, 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, 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 dog is insured without requiring any additional documentation. Plus, 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, lab services, specialty services, prescription medication, and foods are not covered.


Pros

  • + A very convenient and simple plan
  • + No wait for reimbursement
  • + Pre-existing conditions are covered
  • + No age limit

Cons

  • Vet coverage limited
  • Participating veterinarians may be expensive

Healthy Paws

star 9.8

Best Value

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

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 2022, 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
  • + The plan is simple
  • + No caps on claim payouts
  • + Enrollment for dogs up to 14 yrs.

Cons

  • Does not cover the examination fee portion of the dogs 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

Wagmo

Best Insurance & Wellness Plan Combo

  • Process Time of Claim: Within a week
  • Benefit Limits: A per-incident limit of $10,000 or lifetime limit of $100,000
  • Deductible: $250, $500, or $1000

Wagmo offers two types of plans — insurance and wellness. The first covers emergency and catastrophic care for accidents and illness, while the latter refers to annual preventive and routine care (annual vet exam fees, vaccines, etc.). You can pair these plans or buy them separately.

The complete list of what is covered can be found on Wagmo’s website, but here are some examples: prescription medications (50%), hospital stays, surgeries, ultrasounds, prosthetics, hip dysplasia (only for pets under 6 years of age, though), and a number of other accidents, injuries, and illnesses.

The company doesn’t cover pre-existing conditions, prescription food, dental surgery, birth expenses, and several other matters. To get your quote, you need to fill out a questionnaire and provide basic info about your pet. Insurance plans start at $13, while wellness plans are available at $20, $36, or $59 per month.

Wagmo points out that some companies offer unlimited life coverage and charge more for it. This company doesn’t ask you to pay for coverage you won’t use, so they limited it to $100,000. Wagmo insurance plans involve three deductible options: $250, $500, or $1000. Once you meet your deductible, the company will cover 100% of the bill. All in all, we love how transparent and trustworthy Wagmo is.


Pros

  • + Insurance and wellness plans
  • + Multi pet and renewal discounts
  • + Works with any licensed veterinarian
  • + Very transparent

Cons

  • Pre-existing conditions not covered
  • Hip dysplasia coverage has an age limit

MetLife

star 9.8

Best with Added Riders

  • 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

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 dogs of different ages.

They offer 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 dog 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, after a waiting period of 12 months, your dog 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.


Pros

  • + Offers a wide range of coverage
  • + Coverage increases after 12 mo.
  • + Added routine care rider
  • + There is no maximum age for pets

Cons

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

Petplan

star 10

Best Free Puppy Insurance

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

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. They 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.

We loved that 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 dog is treated.

Finally, as one of our best–rated 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 for online sign-up
  • + Zero per-condition or lifetime limits
  • + App for Android and iOS users
  • + Vet exam fees are covered

Cons

  • Must take dog to the vet within 48 hours of injury or illness
  • No wellness plan

 

Our Methodology for Ranking the Top Dog Insurance Companies

When selecting the most amazing pet insurance companies and putting together comprehensive reviews, 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 throughout 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 insurance to get for a dog?

We firmly believe that dog 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 fewer out-of-pocket expenses before the plan begins to cover the animal’s vet care needs. Furthermore, various dog insurance plans offer a per-condition deductible instead of an annual one.

This is excellent for dogs 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, some dog insurance plans don’t offer maximum benefit limits.

What Does Dog Insurance Not Cover?

When evaluating the 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 dogs and some don’t cover animals with pre-existing conditions. Nevertheless, there are insurance plans that do cover past conditions. However, this is only if the dog 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, some plans 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.

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

How to Select an Insurance Company for Your Dog

Choosing an 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 dog.

The Policy’s Coverage

Sadly, pets can face numerous medical issues, from tooth problems to cancer and heart disease. This is where a quality 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 customers 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: 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: Some 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.
  • 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 dogs 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 and 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 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 every month. 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 dog 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 dog.

Here are some of the most common factors that may change your quote:

  • Dog insurance costs more than cat insurance
  • Insuring an older dogs 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?

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?

Unfortunately, no. 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 dog’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.

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 you’ll use the information we provided to your advantage.

Keep your pet safe—they deserve it!