Best Cheap Dog Insurance Plans of July 2021

Lisa Scott

The earlier you sign your dog up for insurance coverage, the easier it will be to find an affordable, reasonable plan that helps you prepare for the unexpected and expensive vet costs. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

Unlimited

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $19, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $19
  • Allows coverage on 6 pets for $19 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

No exotic pet left out - every single one is covered

Unlimited

Annual Coverage

25%

Reimbursement Rate

Overview

Pet Assure is not like other traditional insurance providers that reimburse you on claims. Instead, the digital platform offers a flat rate discount of 25% on all pet-related medical costs when you visit a participating veterinary doctor. The discount program applies to your vet bills checkout after every visit.

What we like

  • Covers all health conditions (including pre-existing)
  • All animals are eligible for coverage
  • No exclusions on pet age
  • No deductibles
  • Visit participating vets as much as you like
  • Lost pet recovery service

What we don't

  • Not all vets participate in the discount program
  • Does not cover prescription drugs

Is cheap dog insurance worth it?

At some point in your dog’s life, there will likely be a time you need to take them to the vet. Depending on what’s wrong and what is needed to help them, a visit to the vet’s office can come at a high price.

This is why many pet owners typically get dog insurance – it helps significantly reduce the amount of money you spend out of pocket during vet visits and medical procedures that follow. Depending on what you are looking for in terms of coverage, it is easy to end up paying a high monthly premium.

Understanding how expensive dog insurance can be, lots of dog owners try to find cheap insurance that covers potential vet visits without breaking the bank. While they may not cover the same types of treatments and procedures as more expensive insurance providers, overall, dog insurance is worthwhile.

What does dog Insurance cover?

Most dog insurance providers offer options for plans, allowing owners to choose between accident-only coverage, illness coverage, or accident and illness coverage.

  • Accident only: Covers broken bones, wounds, torn ligaments, and the medical treatment associated with these accidents like x-rays, bloodwork, and more.
  • Illness only: Covers treatments for ailments including urinary tract infections and infections, and long-term illnesses like arthritis and hypothyroidism.
  • Accident and illness: Covers a combination of accident and illness treatments and procedures associated.
  • Wellness coverage: Some providers, though not all, offer wellness coverage for dogs. This includes routine wellness checks, shots, and more associated with regular vet visits. Some plans may include certain wellness add-ons, where you pay an additional monthly premium for specific wellness options.

Depending on the specific insurance provider, coverage for specific illnesses and injuries may vary. Coverage for pre-existing conditions or prescription costs may not be included. Additionally, insurance providers vary on what percentage of overall costs are reimbursed through dog insurance coverage – unlike human insurance, you will be required to pay for costs upfront, and after submitting a claim, your provider will reimburse you a percentage based on your plan.

How are dog insurance premiums determined?

Insurance providers take a number of details about your dog into consideration to determine a premium:

  • Age: How old your dog is at the start of your coverage will affect your monthly premium cost. Typically, the older your dog is, the more expensive your coverage will be.
  • Breed: There are some dog breeds that are considered riskier to cover than others. Dog breeds that are more susceptible to serious illnesses, or larger dogs, will cost more as they have shorter lifespans and more likely need medical attention in their lifetime.
  • Pre-existing conditions: Dogs that have pre-existing conditions at the time of their insurance coverage will generate a higher premium for coverage. Some insurance providers do not cover dogs with certain pre-existing conditions, like cancer.
  • Policy details: The specifics of your dog insurance policy will significantly impact your monthly premium.
  • Co-pay: If you are looking to pay a smaller co-pay, you will likely need to pay a higher monthly premium.
  • Deductible: Each insurance provider will have an annual deductible amount you are required to meet before you can apply for reimbursement.
  • Coverage: Accident-only coverage is usually the cheapest option, followed by illness-only coverage. If you are looking to get both accident and illness coverage with a wellness plan, you will likely pay a higher monthly premium.

How to choose the best cheap dog insurance plan?

There are plenty of options available for good, cheap dog insurance. As you are considering different choices, you will want to consider the following:

  • Determine what you need for coverage: Just because an insurance provider offers tons of add-ons and other options does not mean you need to take advantage of everything. Determine what coverage your dog needs based on their age, breed, and health records to see what kind of plan makes the most sense for you.
  • Compare plan offers and costs: Take a look at coverage options in your price range and compare what they cover. After confirming they will be able to cover your dog, look into what they have to offer in terms of procedure coverage, how much they will reimburse you for these treatments, and their deductible and co-pay requirements.
  • Ensure the provider is reputable: Be sure to confirm your potential insurance provider is reputable and trustworthy. You can find out a lot about a provider from customer reviews and their ratings from trusted organizations like the Better Business Bureau. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.