A dog insurance plan ensures your furry friend receives the best care and saves you money from large vet bills through reimbursements on illnesses, injuries, accidents, and wellness routine care. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.
ASPCA® Pet Health Insurance program offers coverage on accidents , illnesses, and preventive care at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and ensure your pet receives the best 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.
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.
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.
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.
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.
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.
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
Embrace pet insurance provides comprehensive coverage from accidents all the way to dental care. Their comprehensive coverage attracts pet owners with its affordable pricing, and polices that can be customized to suit the pet's needs.
Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island.
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.
PetFirst offers coverage for dogs and cats at an affordable price. Pet Parents are able to take charge of their monthly premiums by customizing a policy that suits their financial situation. It offers policy add-ons, such as preventive and wellness coverage that keeps your pet protected all year round. The agency operates in all States and allows pet parents to visit any licensed vet of their choice.
The insurance agency does not provide any restrictions on the maximum age limit allowing pet parents to enroll even older pets. According to PetFirst, every pet deserves the best healthcare coverage without discriminating on age.
A dog health insurance plan offers coverage for your dog during illnesses, incidences, and emergencies to cover the cost of veterinary services to keep your pet healthy.
The American Pet Products Association revealed that only 4% of dog owners have insurance coverage for their pets. The average costs of vet bills for dogs and puppies range between $500-$800. However, some surgery procedures cost up to $3,000 or more. These bills could break your savings account when emergencies occur. Dog insurance protects your finances and ensures your pet receives the best care. Additionally, you have full control of your dog’s health as you can visit any licensed vet and submit your claims for reimbursement.
Insurance agencies offer affordable premiums and high annual limits that help ensure your pet is protected all year round and saves you thousands of dollars on medical bills.
Depending on your insurance provider, some cover more health issues for your pet than others, such as pre-existing health conditions or hereditary conditions. Some agencies allow you to customize your policies to suit your financial budget and meet your pet’s needs. You can also include add-on policies (wellness coverage) that will cover wellness exams, vaccines, and etc.
Most insurance agencies require a medical examination to determine whether the dog has any pre-existing health or hereditary conditions, and the exam needs to be within the last 12 months from the date of sign-up. Most agencies also require a waiting period, usually two weeks, before coverage begins. Since they operate using the reimbursement-based model, pet owners are required to pay the veterinary bill first out of their pockets and then file a claim for reimbursement.
The claims department evaluates the claim, and if approved, the funds are deposited directly into your account. The process for reimbursement can take approximately five business days.
Below is what you need to understand in your policy:
Some of the coverages offered by insurance providers include:
It should be noted that pet insurance providers have exclusions in their coverage, and some of the exclusions can include breeding costs and cosmetic procedures.
The costs of the dog insurance are based on several factors, including:
If you are shopping around for the best dog insurance plan, you may need to consider the following factors:
Pet insurance protects you against unexpected expenses when your dog gets sick and needs treatment from a vet. The best time to insure your dog is when it is still young because premiums will be much lower compared to an older dog. Also, you are able to protect your dog’s health without worrying about a condition that develops before having insurance as most insurance agencies do not cover pre-existing conditions. Typically, the average minimum age for insuring puppies ranges between 6 to 8 weeks.
It is still important to insure older dogs to protect them from life-threatening conditions, such as diabetes and cancer. Your pet is more vulnerable to infections during old age, which may become costly since you may need to frequently visit the veterinarian.
Choosing an insurance policy can seem tough at times but here is what you should consider:
