May 22, 2024

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Choosing the best pet insurance for dogs is one of those tasks that’s easy to put off because it seems like a chore. But pet insurance plays an essential part in keeping your dog feeling their healthiest and happiest. When the vet bills are covered, you can focus on your pup’s care instead of stressing over how to pay.

Paying a low monthly premium for pet insurance is worth it when compared to dropping thousands of dollars to pay emergency vet bills. And in this day and age of stretched budgets and rising prices, unexpected bills can build a quick road to financial ruin. So, save your bank account and give your dog a better chance of surviving the unexpected by choosing a pet insurance plan for your dog today!

best pet insurance for dogs

Wading through all the companies on the market can seem like an impossible task, but our list of the best pet insurance for dogs will make sorting the options far more manageable. But before we look at the best companies for pet insurance, let’s answer your pet insurance questions to start you on your way.

Frequently Asked Questions About The Best Pet Insurance for Dogs

What is Pet Insurance?

Like your health insurance policy, pet insurance offsets the cost of medical expenses related to your dog’s care. Policies typically include coverage for diagnostics and treatments related to accidents and illnesses. But many brands will provide you with plan options, such as accident and illness coverage, accident-only policies, and wellness plan add-ons for yearly health care costs.

Simply put, pet insurance is way less of a hassle than insurance for people because you’re not limited by frustrating networks, allowing your dog to see the vet of your choice. And paying a monthly premium means big vet bills become a thing of the past because you’ve got insurance covering you and your pup!

What Do Pet Insurance Policies Cover?

With accident and illness plans, you can expect coverage for injuries related to accidents and most sicknesses, including those caused by hereditary conditions and congenital conditions. Think cancer, broken bones, stitches, and even ingesting things like toys or socks.

In the end, plans tend to cover the majority of costs. And because most pet insurance providers want you to get your money’s worth, you’ll probably be pleasantly surprised at what they will cover. Read over competitors’ websites and compare what they include in coverage and what they don’t as part of your pet insurance research.

best pet insurance for dogs

What Isn’t Covered by Pet Insurance?

Do pet insurance companies cover pre-existing conditions? That was probably one of your first questions, and it’s a good one. Typically, pre-existing conditions are not covered, and that’s one reason it’s crucial to get a pet insurance plan for your puppy or adult dog as soon as you bring them home. That way, you’re staying ahead of expensive illnesses and getting more for your money when it comes to your pup’s plan. That said, some companies will decide to cover a pre-existing condition if it heals and dogs don’t require treatment for a year or more.

While pet insurance covers a lot of expenses outside of pre-existing conditions, there are a few things they typically don’t, including such services as:
  • As mentioned, pre-existing conditions
  • Exam fees
  • Preventive or elective procedures
  • Grooming services
  • Breeding costs
  • Food, vitamins, and supplements

But always check with a company to see what they do and don’t cover because you don’t want to be surprised when it comes time to make a claim.

How Does Pet Insurance Work?

Pet insurance is easy to obtain and maintain! Get started with our handy pet insurance quote tool to compare prices and find your ideal policy. Then, click through to your chosen provider’s website to sign up. Once you’ve decided the nuances of your policy, you’ll pay a monthly premium based on your dog’s breed, age, and zip code, as vet costs vary from region to region.

To use your coverage, most companies offer an easy digital experience via their app, where all you have to do is upload a photo of your vet bill, and the reimbursement process begins. Once you’ve made your claim, you sit back and wait for your payback.

After your pup is enrolled for services, be aware that most pet insurance companies will have a waiting period before coverage begins. Usually, these timeframes average a few days for accident coverage and roughly two weeks for illnesses. Some carriers also impose longer waiting periods for issues like hip dysplasia and other orthopedic problems.

best pet insurance for dogs

How Much Does Pet Insurance Cost on Average?

The price of pet insurance for dogs varies, as costs are based on a range of factors, including your dog’s age, breed, and where you live. And with the ability to tailor options for annual maximum coverage, deductibles, and reimbursement amounts, prices will also vary. Some companies only offer unlimited yearly coverage, so you won’t find much wiggle room there. However, for pet insurance brands that offer choices in coverage amount, opting for the lower maximum coverage option can lower your policy price.

Now, is the amount of the deductible important? Yes! Both the deductible and reimbursement amounts you choose will make an impact on your monthly rate. The deductible, or how much of the bill you pay as your portion, can range anywhere from fifty dollars to one thousand. Reimbursement amounts are figured in percentages, and when setting up your plan, you typically have choices of 70%, 80%, or 90%. Some providers, however, offer amounts for reimbursement as low as fifty percent.

And when considering what differences the deductible and reimbursement amount options can create, remember these two factors:
  • The higher the deductible option you choose, the lower your premium will be.
  • Your premium will be higher if you opt for a higher reimbursement amount.

Certain factors will result in pet insurance plan discounts:
  • Multiple Pet Discount – For families with more than one furry member, multiple pet discounts can save five to ten percent on policy costs.
  • Pay Premiums Annually – Some pet insurance companies will offer a five to ten percent discount if your pay the entire premium amount in one yearly sum.
  • No Claims Made for a Year – At the time of your annual renewal, some providers will offer a percentage off your policy after a year with no claims at renewal.
  • Military Discount – Many of the best pet insurance companies offer discounts for military members and veterans.
  • Bundle Discount – Insurance companies that provide insurance for other aspects of life, like home and auto, will usually offer a ten percent discount for bundling all your policies under their umbrella.

Find out how much pet insurance costs for your dog with our handy comparison tool!

Does My Dog’s Breed Affect the Cost of Pet Insurance?

Yes, breed matters concerning policy premiums because dog breeds suffer from various hereditary health issues. And treating certain genetic diseases can be expensive. So, when doing all the insurance math magic, providers consider this when calculating your dog’s monthly cost for coverage. But don’t worry about your dog being denied coverage because of their breed. Most companies will cover all breeds, from small to tall!

Do Indoor Pets Need Insurance?

All pets, whether they live solely indoors or frequent the outdoors, would benefit from a pet insurance policy because whether outside or inside, sickness and injury can happen anywhere and anytime.

What Are the Benefits of Having Pet Insurance for Your Dog?

For most dog parents, purchasing pet insurance comes down to peace of mind. Sadly, veterinarians report pets not covered by insurance are significantly less likely to survive a major emergency, as many families cannot afford a vet bill of thousands. Experts recommend setting aside at least $5,000 for your dog’s emergency care. But if that’s not possible, pet insurance can save the day financially so you can focus on your pup’s care and not stress over bills.

Now that we’ve answered your questions let’s get down to it! Who are the best pet insurance companies for dogs?

The 9 Best Pet Insurance Companies for Dogs


Annual Coverage

Annual Coverage

Up To $100,000



$5,000 or Unlimited


$10,000 or Unlimited

$5,000 – $30,000


$5,000 or Unlimited

Multi-pet Discount?

Multi-pet Discount?










What They Do Best

What They Do Best

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

Best for plan customization

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.5 / 5

4.1 / 5

4.3 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)










Example Quote for 1 Year Old 30 lb Mixed Breed

Example Quote for 1 Year Old 30 lb Mixed Breed

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month


$35.81 per month

Reimbursement Amount

Reimbursement Amount

90%, 80%, or 70%

90%, 80%, or 70%


100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

90%, 80%, or 70%

100% or 90%

90%, 80%, or 70%

Annual Deductible

Annual Deductible

$100, $250, or $500

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

$50, $100, $200, $250, $500, or $1,000

#1 – Lemonade Pet Insurance

Best Value

Maximum Annual Coverage – Up to $100,000

Reimbursement Options – 90%, 80% or 70%

Annual Deductible Options – $100, $250, or $500

Wellness Plan Option – Yes

Multi-Pet Discount– Yes

Lemonade makes our list of the best insurance for dogs because they’ve created a hassle-free insurance experience built for the 21st century. When you download the Lemonade app or visit their website, you can sign up in seconds and cover your dog with a plan tailored to your needs and budget. Maya, Lemonade’s virtual insurance agent, will walk you through the process, allowing you to customize payout percentages, annual deductible amounts, and max coverage limits. And with a choice of coverage caps that runs up to $100,000, you can create a budget-friendly dog insurance plan while creating financial peace of mind.

Unlike other insurance companies, Lemonade is insurance driven by social good. Lemonade donates unclaimed premiums to charities chosen by policyholders, including to several animal rights causes.

Wellness Add-Ons & Multi-Pet Discounts: In addition to wellness options for adult dogs, Lemonade offers a preventative care package designed especially for puppies and kittens with coverage for spaying or neutering, microchipping, flea medication, and up to six vaccines or boosters. Covering more than one pet with Lemonade will earn you a 5% discount, and if you want to combine your monthly policy fees into one annual payment, you’ll enjoy an additional 5% discount. Plus, if you also have Lemonade renters, homeowners, or car insurance policy, you’ll enjoy a 10% bundle discount.

Waiting Periods: Lemonade has three different waiting periods before you can file a claim: two days for accidents, fourteen days for illnesses, and six months for cruciate ligament events.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $20.00 per month

Use this link to take advantage of the best possible price. No promo code needed.

#2 – Embrace Pet Insurance

Best for Superior Benefits

Maximum Annual Coverage – $5,000 – $30,000

Reimbursement Options – 90%, 80%, or 70%

Annual Deductible Options – $200, $300, $500, $750, or $1,000

Wellness Plan Option – Yes

Multi-Pet Discount– Yes

Embrace allows you to choose annual coverage maximums between $5,000 – $30,000. Coupling this flexibility in max coverage with multiple options for deductibles and reimbursements, you can tailor your policy to your budget. Coverage for exam fees will also bring you average savings of $50-$250 every time you visit the vet. And having a healthy pup earns you discounts with Embrace because every year your dog makes it without insurance reimbursement, you’ll get $50 off your deductible. Pre-existing conditions that prove curable are eligible for coverage after twelve months of your dog being symptom and treatment free.

Wellness Add-Ons & Multi-Pet Discounts: Add Embrace’s optional Wellness Rewards and cover routine care for annual wellness exams, vaccination, spay/neuter surgery, flea, tick, heartworm preventatives, training, and grooming. A multi-pet discount will save you 10 – 15% on your policies.

Waiting Periods: All Embrace insurance policies have a 14-day waiting period for illnesses. Waiting periods for accidents are 48 hours. All dogs have a 6-month waiting period for orthopedic conditions. You can reduce the waiting period for orthopedic conditions to fourteen days by submitting to the Orthopedic Exam and Waiver Process.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $42.35 per month

#3 – Many Pets

Covers Curable Pre-Existing Conditions

Maximum Annual Coverage – Unlimited

Reimbursement Options – 90%, 80%, or 70%

Annual Deductible Options – $100, $250, or $500

Wellness Plan Option – Yes

Multi-Pet Discount– No

With Many Pets, you can visit any licensed veterinarian, and there are no caps on payouts, copays, or care. Bloodwork, lab work, imaging scans, medications, surgery, in-office procedures, and hospitalizations, including emergency care, are all covered with Many Pets. And unlike many of their competitors, they cover curable pre-existing conditions once your dog has been free of symptoms and without treatment for eighteen months, excluding cruciate ligament injuries or hip dysplasia.

Wellness Add-Ons & Multi-Pet Discounts: Many Pets Preventative Care Plan add-on covers costs for routine wellness visits, vaccines, parasite testing and prevention, dental cleanings and at-home dental care, vitamins, supplements, aromatherapy, and more. They also include supplements and treatments to help with stress, anxiety, skin, coat, bone, and joint care. Many Pets does not offer a multi-pet discount at this time.

Waiting Periods: Many Pets has a 15-day policy waiting period that begins after purchase.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example – $30.00 per month

#4 – Trupanion Pet Insurance

Best For Paying Claims Directly to Veterinarian

Maximum Annual Coverage – Unlimited 

Reimbursement Options – 90%

Annual Deductible Options – $0 to $1,000

Wellness Plan Option – No

Multi-Pet Discount– No

Trupanion gives you control by eliminating confusing deductibles and letting you choose the percentage of the covered costs. While they don’t cover exam fees, preventative care, or pre-existing conditions, they do cover expenses such as diagnostics, surgery, advanced dentistry, medications, supplements, rehabilitation, and more. Your policy with Trupanion will see you reimbursed for 90% of veterinary costs from illness and injury. And you can take your pup to any veterinary, emergency care, or specialty hospital in the US, Canada, Puerto Rico, and Australia, including US and Canadian military installations. Coverage is open to all dogs and cats from birth to 14 years of age, regardless of breed.

Wellness Add-Ons & Multi-Pet Discounts: At this time, Trupanion does not offer wellness options or multi-pet discounts.

Waiting Periods: Trupanion policies have a 5-day waiting period for injuries and a 30-day waiting period for illnesses.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $68.25 per month

#5 – Prudent Pet

Best Customer Reviews

Maximum Annual Coverage – $10,000 to Unlimited 

Reimbursement Options – 90%, 80%, or 70%

Annual Deductible Options – $100, $250, $500, or $1,000

Wellness Plan Option – Yes

Multi-Pet Discount– Yes

Choose from an array of plan types, including Accident Only, Essential for injuries or illness, or Ultimate for illness and injury with unlimited annual benefits. Plans also cover hereditary and congenital conditions, dental disease, and destructive behavioral issues. And Prudent Pet never denies coverage to dogs based on their age or breed. You can also chat with a veterinarian 24/7 when you’re part of the Prudent Pet family. Plus, they offer a 30-day money-back guarantee.

Wellness Add-Ons & Multi-Pet Discounts: Prudent Pet offers two optional add-ons, one that covers veterinary exam fees and another for wellness coverage that includes vaccines and annual checkups. Insure all the furry family and get a multi-pet discount of 10%.

Waiting Periods: Prudent Pet institutes a 5-day waiting period for accident coverage and a 14-day waiting period for illness coverage. There’s also a 6-month waiting period for all knee and ligament issues.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $73.46 per month

#6 – Healthy Paws Pet Insurance

Best for Paying Claims Fast

Maximum Annual Coverage – Unlimited 

Reimbursement Options – 90%, 80%, 70%, 60%, or 50%

Annual Deductible Options – $100, $250, $500, $750, or $1,000

Wellness Plan Option – No

Multi-Pet Discount– No

Healthy Paws’ top-rated pet insurance plans for dogs cover accidents, illnesses, cancer, emergency care, genetic and hereditary conditions, breed-specific conditions, and alternative care. With five options in deductible and reimbursement amounts, you can tailor policy costs to your budget with no problems. And with no caps on annual coverage and lifetime payouts, this best pet insurance for dogs option casts off worry over big bills while letting your pup stay with the doctor they know. Healthy Paws allows the use of any licensed veterinarian.

The claims process is insanely simple; just take a photo of your vet bill and submit it through the mobile app or online. Plus, most claims are processed within two days!

Wellness Add-Ons & Multi-Pet Discounts: At this time, Healthy Paws does not offer wellness options or multi-pet discounts.

Waiting Periods: After enrolling with Healthy Paws, your pup will incur a 15-day waiting period for accidents and illnesses before coverage begins and a 12-month waiting period for hip dysplasia.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $26.25 per month

#7 – Pets Best

Best for Plan Customization

Maximum Annual Coverage – $5,000 or Unlimited 

Reimbursement Options – 90%, 80%, 70%

Annual Deductible Options – $50, $100, $200, $250, $500, or $1,000

Wellness Plan Option – Yes

Multi-Pet Discount– Yes

Pets Best offers plans that cover accidents, illnesses, cancer, emergency care, and chronic, hereditary, and congenital conditions. And because their plans allow flexibility with customizable annual limits, annual deductibles, and 70, 80, or 90% reimbursement options, you can cover your pup’s medical bills while keeping your monthly rate low. They even offer a deductible option that’s only fifty dollars, and this ability to play with coverage options gives Pets Best an edge in the field, making them one of the best pet insurance options for dogs.

Plus, you can even choose to have them pay your vet directly, so you don’t even have to fuss with getting it done. You’ll also have access to the Pets Best 24/7 Emergency Vet Hotline. And when it comes to pre-existing conditions, issues like broken legs or kennel cough, once healed or cured, are no longer considered pre-existing conditions.

Wellness Add-Ons & Multi-Pet Discounts: Pets Best offers dog wellness plans that can be added to your dog’s medical coverage, helping dog parents cover regular vet visits, vaccinations, spay/neuter surgeries, and dental cleanings. And when you enroll more than one pet, you can earn a 5% discount on your policies.

Waiting Periods: Pets Best has waiting periods of three days for accidents, fourteen days for illness, and six months for cruciate ligament conditions. If you add a routine care plan, this coverage begins on your policy effective date.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $35.81 per month

#8 – FIGO Pet Insurance

Shortest Waiting Periods

Maximum Annual Coverage – $5,000 or Unlimited 

Reimbursement Options – 100%, 90%, 80%, or 70%

Annual Deductible Options – $100, $250, $500, or $750

Wellness Plan Option – Yes

Multi-Pet Discount– Yes

One of the best pet insurance companies on the market, FIGO offers plans that cover common illnesses, accidents, emergencies, cancer, hereditary and congenital disorders, chronic conditions, and so much more. And with a choice of $5,000 or an unlimited amount for the maximum annual coverage amount, you have the power to create a plan that fits your pup’s medical needs and your budget. And a range of deductible and reimbursement options lets you decide what you want to pay out of pocket or how much you’d like to get back from your claims. FIGO also covers pre-existing conditions considered curable if your dog shows no signs or symptoms within 12 months of treatment.

Plus, lightning-fast service means most claims close in an average of 2.6 working days. And as a customer with FIGO, you’ll have free 24/7 access to a licensed veterinary professional.

Wellness Add-Ons & Multi-Pet Discounts: FIGO Wellness Powerups options allow you the choice of three plan add-ons to help you cover more costs, including coverage for annual exams, vaccines, cremation/burial, lost pet services, vacation cancellation due to pet emergency, boarding fees, pet theft or loss, and more. You can also expect a multi-pet discount of five percent when you enroll all your furry ones for coverage with FIGO.

Waiting Periods: Figo has a one-day waiting period for accidents related to an injury. They also offer an Orthopedic Conditions waiver to eliminate the six-month waiting period for orthopedic conditions.  

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $69.30 per month

Related: Best Pet Prescription Discount Cards


#9 – Wagmo Pet Insurance

Fastest Claims Process

Maximum Annual Coverage – Unlimited 

Reimbursement Options – 100%, 90%

Annual Deductible Options – $250, $500, or $1,000

Wellness Plan Option – Yes

Multi-Pet Discount– Yes

Wagmo offers a hassle-free digital experience for dog parents looking for affordable pet insurance that covers accidents and illness, plus the emergency and catastrophic care needed to treat them. And with flexible deductible options and reimbursement levels of ninety or one hundred present, you can mix and match to build your perfect package. Plus, their dog insurance plans start as low as $13 a month.

In addition to covering the usuals like emergency care, imaging, cancer treatments, and hereditary and congenital conditions, Wagmo also includes coverage for prescriptions, pet ambulances, and even hip dysplasia.

Wellness Add-Ons & Multi-Pet Discounts: Wagmo Wellness helps pay for routine care like annual vet exam fees, bloodwork, vaccines, and even grooming. Wellness plan pricing starts at twenty dollars per month. Save up to 10% off when you cover multiple pets and earn an additional 15% off after a year with no claims at renewal. Wagmo does not offer a multiple-pet discount at this time.

Waiting Periods: Wagmo has no waiting periods for wellness plans, but everyday accident and illness coverage plans have a waiting period of fifteen days. For cancer treatments, the waiting period is thirty days.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $15.00 per month

best pet insurance for dogs

The Best Pet Insurance for Dogs Is Just A Click Away

So, who’s the best pet insurance company for dogs? The answer depends on your furry friend’s needs and your budget, but surely, you’ll find the right choice for your dog’s health coverage on our list. Any of these nine companies offers a solid reputation, excellent customer care, and flexible plans to help you easily cover the vet bills.

And now that you’ve done your research, it’s time to compare the quotes. Use our handy tool to find out how much pet insurance for your dog will cost!

Additional Frequently Asked Questions About Pet Insurance

Why is pet insurance necessary for dogs?

Pet insurance can provide financial support for unexpected veterinary bills, which can quickly rise into the thousands for serious illnesses or accidents. Moreover, pet insurance for dogs can sometimes cover preventative care services, which can help maintain the health and well-being of your pet. Thus, pet insurance provides both financial security and peace of mind for pet owners.

What factors affect the cost of pet insurance for dogs?

The cost of pet insurance for dogs can be influenced by a variety of factors including the dog’s breed, age, and health status. Other factors can include the coverage level chosen, the deductible amount, the percentage reimbursed, and even the geographic location where the pet resides. Each insurance provider may also have different pricing structures.

Does pet insurance cover pre-existing conditions in dogs?

Generally, pet insurance doesn’t cover pre-existing conditions, which are health issues that were present before the policy start date. However, some insurers may cover these conditions if they have been fully cured or if the dog has been symptom-free for a certain period. Always review the terms of the policy to understand what is and isn’t covered.

Can I get pet insurance if my dog is already old?

Yes, you can get pet insurance for an older dog, but it may be more expensive than for a younger dog due to the increased risk of health issues. Also, some insurance companies have age limits for new policies, so it’s important to check the details with each provider. It’s never too late to consider pet insurance for your furry friend.

How does pet insurance handle chronic conditions in dogs?

Pet insurance policies handle chronic conditions differently. Some policies may cover chronic conditions as long as the condition was not present or known at the time the policy was purchased. Others may only cover them for a certain period or up to a specified limit. Always review the terms and conditions of a policy before purchasing.

What is not covered under pet insurance for dogs?

While specific exclusions can vary by policy, commonly excluded items include pre-existing conditions, breeding or pregnancy-related costs, cosmetic procedures, and some specific diseases. Some policies may also exclude preventative care or routine check-ups unless you purchase additional wellness coverage. Always carefully read your pet insurance policy to understand what is and isn’t covered.

What should I look for when comparing pet insurance policies for dogs?

When comparing pet insurance policies, consider factors like what the policy covers (accidents, illnesses, preventative care, etc.), the cost of premiums, the deductible amount, the reimbursement percentage, and any exclusions. Also, consider the company’s reputation, customer service, and claim process ease. It’s important to find a policy that suits both your budget and your dog’s healthcare needs.

How does the reimbursement process work with pet insurance for dogs?

Typically, with pet insurance, you pay the vet bill upfront and then submit a claim to your pet insurance company for reimbursement. The company will then review your claim and, if approved, will reimburse you a percentage of the cost (after your deductible), according to the terms of your policy.

How quickly does pet insurance start covering my dog after I purchase a policy?

Most pet insurance policies have a waiting period before the coverage begins, which can range from a few days for accidents to several weeks for illnesses. This is to prevent people from signing up after their pet gets sick or injured. Check the policy’s terms and conditions for exact waiting periods.

Can I choose any vet with my pet insurance, or do I have to go to a specific network of providers?

Generally, pet insurance allows you to visit any licensed veterinarian, including specialists and emergency providers. Unlike human health insurance, pet insurance typically doesn’t restrict you to a network of providers. However, always verify this with your specific insurer.

What are some of the top pet insurance providers for dogs?

There are many reputable pet insurance providers, and the best one for you may depend on your specific needs and your dog’s health. Some popular providers include Trupanion, Healthy Paws, Embrace, and Nationwide. Remember to compare policies from several providers before deciding on the best fit for you and your pet.

Can I adjust my coverage level or deductible for my dog’s pet insurance as needed?

Yes, with most pet insurance companies, you can adjust your coverage level and deductible. However, any changes you make may affect the cost of your premiums and might not take effect immediately. It’s always best to contact your pet insurance company to understand how changes to your policy will impact your coverage and cost.

What happens to my pet insurance if I move or travel with my dog?

Typically, pet insurance policies will still cover your dog if you move or travel, as long as you are visiting a licensed vet. However, some policies might have geographical restrictions or may adjust your premiums based on your new location. It’s recommended to notify your pet insurance company if you move or plan to travel with your pet.

How can I reduce the cost of pet insurance for my dog?

There are several ways to potentially reduce the cost of pet insurance. Some companies offer discounts if you insure multiple pets, while others may reduce premiums for pets that have been spayed or neutered. Also, increasing your deductible or reducing your coverage level can lower your premiums. However, keep in mind that this could result in higher out-of-pocket costs if your dog needs veterinary care.

Does pet insurance for dogs cover dental care?

Some pet insurance policies do cover dental care, but it’s usually limited to treatment required due to an accident or illness. Routine dental care, such as cleanings or check-ups, may not be covered unless you have a wellness plan or add-on that specifically includes it. Always check the details of the policy to understand what dental treatments are covered.

Are there breed-specific considerations when buying pet insurance for dogs?

Yes, breed can factor into pet insurance considerations, as certain breeds are prone to specific health conditions. Some insurance providers might charge higher premiums for these breeds or may exclude coverage for breed-specific conditions. It’s important to research and find a policy that appropriately covers your dog’s breed.

Is it worth getting a wellness plan with my dog’s pet insurance?

A wellness plan can be a valuable addition to your pet insurance policy if it aligns with your pet’s needs and your budget. These plans typically cover routine and preventative care, such as vaccinations, flea and tick prevention, and regular check-ups. If these costs would be a strain on your budget or if you want the convenience of having them covered, a wellness plan might be worth considering.

How do I file a claim with my pet insurance for my dog’s vet bill?

To file a claim, you’ll typically need to fill out a claim form provided by your pet insurance company, which usually includes details about the veterinary treatment your dog received. You’ll also need to provide the itemized invoice from your vet. Once completed, you submit these documents to your insurer, typically via email, online portal, or mail.

Can pet insurance for dogs be transferred or cancelled?

Yes, you can usually cancel your pet insurance policy at any time, though you may not be refunded for the remainder of the paid period. As for transfer, policies typically cannot be transferred directly to a new pet, but you can often cancel your existing policy and start a new one for a different pet.

Does pet insurance for dogs cover medications?

Most pet insurance plans do cover prescribed medications that are used to treat covered conditions. This can include anything from antibiotics for an infection to ongoing medication for a chronic condition. However, over-the-counter medications and prescriptions for excluded conditions may not be covered. (Also see our best pet prescription discount cards review)

What are the common limitations of pet insurance for dogs?

Pet insurance often has certain limitations, such as excluding pre-existing conditions and certain breed-specific issues. There may also be waiting periods before coverage begins, annual limits on how much the policy will pay out, and certain care like cosmetic procedures or breeding-related costs might be excluded.

Does pet insurance for dogs cover alternative therapies?

Some pet insurance companies do cover alternative therapies, like acupuncture, physiotherapy, or chiropractic care, provided they are recommended and performed by a licensed veterinarian. However, not all policies include these treatments, so it’s important to check the terms of a policy if this is a consideration for you.

Can pet insurance for dogs be used immediately upon enrollment?

Typically, there are waiting periods before your pet insurance coverage begins. These periods vary by insurer and by the type of coverage (e.g., accident or illness). This means you likely can’t use your insurance immediately upon enrollment for anything other than possibly accidents.

Are cancer treatments covered by pet insurance for dogs?

Most comprehensive pet insurance policies do cover cancer treatments for dogs, including chemotherapy, radiation, surgery, and prescribed medications. However, if cancer was a pre-existing condition before the policy was purchased, it may not be covered. Always check your specific policy details to confirm coverage.

Are allergies considered a pre-existing condition for pet insurance?

Yes, with most pet insurance companies, if your dog was diagnosed with or showed symptoms of allergies before the policy started, it would typically be considered a pre-existing condition. This means the insurance would likely not cover treatments related to these allergies.

However, some insurance companies may cover a pre-existing condition if the pet has been cured and symptom-free for a certain period of time, although this varies by insurer and doesn’t usually apply to chronic conditions like allergies.

Always check the policy’s definition of a pre-existing condition and its rules regarding coverage of such conditions. It’s important to fully understand these details before purchasing a policy.

Can my pet insurance policy be suspended if my dog is unwell?

No, pet insurance policies generally cannot be suspended due to your dog’s illness. Once a policy is in place, it should provide continuous coverage according to the terms and conditions, regardless of your pet’s health status. It’s important to maintain your policy, especially when your pet is unwell, to ensure any ongoing or future treatments are covered.

Does pet insurance for dogs cover genetic or hereditary conditions?

Many pet insurance policies do cover hereditary and genetic conditions, provided they were not known or symptomatic before the policy start date. Coverage for such conditions varies by insurer, so it’s crucial to understand the terms and conditions of the policy.

What if I can’t afford the vet bill upfront for a claim reimbursement process?

Pet insurance typically operates on a reimbursement model, meaning you pay the costs upfront and are then reimbursed a percentage by your insurer. If you can’t afford the upfront costs, discuss payment options with your vet. Some vets offer payment plans. Alternatively, consider a pet insurance provider that pays vets directly.

Is behavioral therapy covered by pet insurance for dogs?

Some pet insurance plans do cover behavioral issues and the associated therapy costs, but coverage varies widely among insurers. Some cover consultations, diagnostics, and treatments for behavioral issues if they are linked to a covered medical condition. Check the policy terms to understand if and how behavioral issues are covered.

Can pet insurance for dogs cover the cost of euthanasia and cremation/burial?

End-of-life costs, such as euthanasia, cremation, or burial, are covered by some, but not all, pet insurance policies. If covered, there may be a specified limit. Always check the specifics of your policy to understand what end-of-life expenses are covered.

What is a bilateral condition in pet insurance for dogs, and how is it covered?

A bilateral condition refers to a health issue that can affect both sides of your pet’s body, like hip dysplasia or cataracts in both eyes. Some pet insurers consider a bilateral condition as one incident, meaning both sides would be covered under one incident limit. Others may treat each side as a separate condition with its own deductible and limit.

Does pet insurance for dogs cover the cost of rehabilitation therapy?

Coverage for rehabilitation therapy varies among pet insurance providers. Some providers offer coverage for prescribed rehabilitation therapy under their standard plans, while others might require you to purchase additional coverage. Always check your policy’s specifics regarding this kind of treatment.

Are prescription diets covered by pet insurance for dogs?

Generally, pet insurance does not cover the costs of prescription diets. However, some policies might cover prescription food if it’s being used to directly treat a covered medical condition. This coverage usually isn’t included in basic plans, so you’ll need to check your policy details.

What happens if I miss a premium payment for my dog’s pet insurance?

If you miss a premium payment, your pet insurance policy may be cancelled, depending on the terms and conditions of the policy. Some companies may provide a grace period. If you’re having trouble making payments, it’s best to contact your insurer to discuss possible options.

Is there pet insurance available that covers routine vaccinations for dogs?

Routine vaccinations are typically covered under wellness plans, not standard pet insurance policies. A wellness plan is an add-on that covers preventive care, like vaccinations, routine exams, and sometimes spay/neuter surgery. If you want coverage for routine vaccinations, you’ll need to look for an insurer that offers wellness plans in addition to standard pet insurance.

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? – We asked [33] Dog Owners and Here’s What They Said

Pet insurance is “worth it” if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. – Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. – Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it’s up to me! Great rates and options to pay back. Saved my bank account a number of times. – Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).

It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! – Leo

My vet one time said…my a “Dogs are Expensive” account. Whatever the going rate for pet insurance is…say $100…put that monthly in the “D A E” account. If you are ahead at the end of the year roll that money over….then, if you do need a big sum you have it, and if you don’t the $ is in your pocket and not the insurance company’s… whatever you decide..good luck! – Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine – hugh, expensive op so worth it. I don’t like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. – Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. – Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ – Holly

I’m furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes “through the roof.” I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! – Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. – Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance – Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! – Jan

Nope not worth it. I love my babies but, it’s like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won’t cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. – Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. – Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. – Erica

Worth it! Preventative/wellness services usually aren’t included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet… preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I’m getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 – with preexisting conditions. For all three of my dogs, it’s about $235/month (that’s with the optional wellness plans added for each). But if anything happens to any of my “kids”, I pay a $250 annual deductible, then ManyPets covers 80% – with no lifetime limit. – Andrea

Yes. It’s worth it. You never know what might happen. I see so many go fund me’s to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. – Blythe

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