Best Dog Insurance Plans of June 2021

Lisa Scott

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.

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 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.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Preventive and routine care to help keep your pet healthy
  • 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 age limit on pets - older dogs and cats are covered

Unlimited

Annual Coverage

90%

Reimbursement Rate

Overview

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.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Extensive dental care to protect your pet's smile

Unlimited

Annual Coverage

90%

Reimbursement Rate

Overview

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.

What we like

  • Extensive dental care for helping keep pets smiling
  • 24/7 pet help line for pet-related healthcare advice
  • Pre-existing conditions covered if considered curable
  • Reduce annual deductible if no reimbursement for the year

What we don't

  • Maximum pet age of 14 years for illness coverage
  • One time enrollment fee of $25

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.

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

User friendly mobile app for easy navigation

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

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.

What we like

  • Routine care to take care of vet check-up costs and proactive healthcare issues
  • Offers deductibles as low as $50
  • Short waiting periods for coverage to kick in
  • Wide range of reimbursement rates to have more control on finances

What we don't

  • Maximum annual limit is $10,000
  • Pre-existing health conditions are not covered

Is dog insurance worth it?

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. 

How does dog insurance work?

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:

  • Premium: This is the amount paid by dog owners for purchasing the insurance policy. Premiums can be paid monthly, quarterly, or annually. 
  • Deductible: The amount paid by the pet owner before coverage kicks in. Some pet insurance agencies require you to pay the deductible just once a year, while others require pet owners to pay the deductibles after every incident that happens with their pet.
  • Reimbursement: Percentage of the bill paid by the insurer after the deductible. Pet insurance agencies require you to take your dog to any licensed veterinarian. You will be required to pay the bill out of your pocket and submit your claim for reimbursement.
  • Annual limit: The insurer will indicate the coverage amount it will pay each year. Once you exceed this amount, you will be required to pay out of your pocket. The agency will set the annual limit based on the policy and some insurance providers allow you to customize your plan to select a limit that suits your budget.
  • Co-insurance: Co-insurance refers to the percentage that you need to pay for the vet bill. If your reimbursement rate is 80%, then your co-insurance is 20% (100% minus 80%).
  • Co-payment: On some items, such as prescription drugs, the insurer has set up a specific amount that you also need to pay. For instance, If the prescription drugs for your dog costs $100, the insurance provider pays $80, and you will pay $20. Therefore, your co-payment is 20% ($20/$100).

What does dog insurance cover?

Some of the coverages offered by insurance providers include: 

  • Accident coverage: Covers injuries and emergencies related to accidents, such as broken bones, torn ligaments, toxic ingestions, bites, and cut wounds. In addition, services related to accidents like surgery, X-ray, ultrasound, MRI, medication, and hospitalization are usually covered in the insurance policy as well. 
  • Illness coverage: It covers expenses for diagnosing health issues and therapeutic treatment. Both major and minor illnesses such as cancer, digestive problems, arthritis, UTI, ear infections, among others that are usually covered. Illness coverage also covers prescription medication used to manage chronic conditions and inflammation.
  • Wellness coverage: Most insurance agencies provide this wellness coverage as an add-on and cover medical bills for your pet’s wellness tests, preventable diseases, and vaccinations. 

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.

How are dog insurance costs determined?

The costs of the dog insurance are based on several factors, including:

  • Breed type: Some breeds are prone to hereditary diseases and have different life expectancies, which translates to higher medical bills and more veterinary visits.
  • Pet age: Older dogs have weaker immune systems compared to younger dogs, and Illness chances increase with age resulting in higher insurance premiums. 
  • Deductibles and reimbursement levels: High reimbursement levels require higher monthly premiums, and low deductibles require higher monthly premiums.  
  • Chronic or pre-existing conditions: Most insurance agencies do not cover pre-existing conditions. However, some allow you to pay an extra amount to provide coverage for these conditions. 
  • Location: The costs of dog insurance in some States are high compared to others. 

What to look for in dog insurance?

If you are shopping around for the best dog insurance plan, you may need to consider the following factors: 

  • Prescription coverage: Some policies exclude certain prescription drugs such as supplements. You can find out from your provider if they have approved to co-pay on drugs.
  • Waiting period: This refers to a period of qualification before the insurance coverage kicks in. For most insurance providers, the average waiting period on illness coverage is 14 days, and some providers have waiting periods as short as one day on accident coverage. 
  • Veterinarian and treatment agency: Most of the insurance providers do not limit you to a preferred veterinarian, but they require you to visit a licensed veterinary clinic. If your pet requires any special care, you need to find out if your provider allows you to visit specialists since most agencies provide this feature at an extra cost. 
  • Reputation: Before you enroll your dog with an insurer, you need to do some background checks on the agency. Some of the elements to watch out for include efficiency, reliability, and reimbursement of claims. 
  • Exclusions: Some of the common exclusions are pre-existing conditions, hereditary defects, alternative therapies, and behavioral conditions. Check with the provider if these exclusions might be covered at an extra cost. 
  • Routine wellness care: Some insurance agencies offer a comprehensive policy that includes routine wellness plans, such as heartworm testing, dental care, and immunizations. However, most agencies provide this coverage as an add-on policy. 

When should you get dog insurance?

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.

How to choose the best dog insurance plan?

Choosing an insurance policy can seem tough at times but here is what you should consider: 

  • Operates in your state: Some dog insurance providers are licensed to operate in all states while others are restricting to certain areas.
  • Compare dog Insurance plans: Compare pet insurance rates, annual limit, reimbursement rates, and coverage with other competitors in the market.
  • Review discounts: Some insurance agencies help you to save money by offering discounts on multiple pets.
  • Compare out of pocket costs: While an insurance agency helps you with unexpected vet expenses, you will need to pay a certain percentage of the bill based on your reimbursement rate and co-payment.