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Top 10 Best Pet Insurance For Dogs In 2022 | A Complete Guide

Best Pet Insurance For Dogs

The human-animal relationship isn’t complicated. Pets are a trustworthy source of unconditional affection and a bundle of pleasure, and they are highly regarded as companions and effortlessly integrate into our everyday life.

A vital aspect of caring for your pet is keeping it healthy at all stages of its life. But as you all might have experienced, the significant expenses of a vet. Here are the Pet insurance plans, and the right coverage for your pet can cover all those unexpected medical expenses.

Many pet insurance policies cover up to 90% of your vet fees, making paying for your pet’s medical treatment easier. However, the percentage varies depending on the insurance and your preferences.

Furthermore, some surgeries and treatments are not covered. Some plans include annual or lifetime payment limitations, which might mean some expenditures aren’t covered.

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Veterinary care could cost you thousands of dollars if your pet is sick or injured in any situation. That is why pet insurance is recommended for your dog since it could save your hard-earned money.

There is no doubt that Americans love their pets. Dog owners spend $500 to $1,000 on their pets each year. Furthermore, a large portion of this money does not go towards medical bills.

Finding adequate coverage for your dog at a low monthly rate can also be challenging. To ease your hassle in finding the best pet insurance for your dog, here are the 10 best pet insurance companies.

  1. Healthy Paws – Best for Alternative Therapies
  2. ASPCA – Best for Hereditary and Congenital Conditions
  3. Spot – Best for Unlimited Coverage
  4. Pumpkin – Best for Puppies and Kittens
  5. Figo – Best for Reimbursement Options
  6. Embrace – Best for Older Pets
  7. Pets Best – Best for Treatment of Mobility Issues
  8. Lemonade – Best for Fast Claims Processing
  9. Trupanion – Best for Direct Payment to Vets
  10. Nationwide – Best for Exotic Pets Injuries.

If you struggle to pay a massive amount to vets and want to shorten the cost, pet insurance for your dogs can be a worthy investment. So, you can consider the above pet insurance companies.

What Is Pet Insurance?

Pet insurance is intended to assist owners of animals with covering the costs of veterinary care. It is a type of health insurance that offers similar coverage to human health insurance.

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It is a fact that only 26% of pet owners have pet insurance. However, one-third of the pet owners can not afford the medical expenses in times of sickness or injury.

The typical costly vet treatments will be covered by pet insurance. To get the proper pet insurance plan for you, you must evaluate and compare pet insurance options.

Quick deductibles and out-of-pocket expenditures before coverage begins, like human health insurance.

Most insurance companies will calculate the premium based on the average cost of veterinarian treatment in the owner’s area. It’s also possible that the coverage won’t cover all veterinarian treatments.

Why Do You Need Pet insurance?

The cost of treatment rises as vet services are getting more technologically advanced. The pricing of vet services is high because of the high cost of equipment, medications, and facilities.

Pet health insurance can assist by covering part or all of the costs of diagnosing, treating, and managing a sickness or injury in your pet.

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There is no secret formula for determining whether or not pet health insurance is appropriate for you and your pet. Consult your veterinarian and do some study on your alternatives.

Factors That Affect Your Purchase Of Pet Insurance For Dogs!

Your premium is the amount you will pay for your pet insurance policy, often presented as a monthly fee. However, many insurers will enable you to pay these premiums in annual installments.

The rates for your pet insurance plan are calculated based on the coverage selections and the amount of risk your pet offers to the insurance company. You should anticipate your premiums to rise if you have a dog with additional risk factors (such as specific breeds or old age) or if you want your plan to cover a more significant percentage of any qualifying charges.

Owning a pet in a low-cost location, on the other hand, or selecting a plan with moderate coverage limitations would typically result in reduced rates.

You have to consider some factors that can affect pet insurance plans.

– Breed

Some creatures are more expensive than others. According to the ASPCA, the average first-year cost of a new dog is $3,221, while the average price of a new cat is $1,904. You may expect to pay considerably more for your exotic pet’s upkeep if you have one.

– The Age Of Your Pet

Insuring older pets is more expensive than insuring younger dogs. Mostly, expenses are high when the pet is between 0 to 6 years. When you renew your pet insurance coverage as the pet grows older, your premiums may increase.

– Location

Your pet insurance prices are influenced by your state and zip code. The geographic location might affect your ability to get appropriate pet care and the expense of medical care.

For example, pet insurance rates in California tend to be higher than in Tennessee because of the higher veterinary expenses in California.

– Plan Type

There are several different pet insurance coverage from which to pick. Some simply cover accidents, while others cover diseases as well. The price you pay will be determined by the plan you select.

– Deductible

The deductible on your plan is the amount you must pay out of pocket before the insurance provider pays its portion. Some insurance companies may allow you to pick the deductible for your plan; the more significant the deductible, the lower your premiums will generally be.

– Reimbursement

Your pet insurance plan may reimburse you for a percentage of your pet’s care expenditures, and you may pick the portion you want to cover. Choosing a higher reimbursement rate means the coverage will cover more of your pet’s bills, which means you’ll pay more in premiums.

– Limit Of Benefits

Usually, pet insurance policies will cover substantial charges up to a certain amount. These benefit caps might be set for a lifetime, an annual period, or even a specific condition. The greater the limitations, the higher your insurance rates will be.

– Billing Schedule

If you pay for a year’s coverage in advance, certain carriers may give you a discount. Moreover, paying your premiums per month may be more expensive.

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– Discounts

Check whether the carrier you’ve picked gives savings on plans and coverage. Discounts on pet insurance are commonly available for:

  • Multiple pet insurance
  • Combining several policy types
  • Purchasing a policy through the internet
  • Working for a particular company

Some carriers may also provide cost-cutting benefits over time, including lower deductibles if your pet remains healthy.

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You’re likely concerned about how you’d pay for an expensive vet bill if you own a pet. A pet insurance policy protects you from paying the entire vet bill if your pet is injured or ill.

Pet insurance policies cover the same things, such as injuries and genetic and congenital disorders, but there are differences in benefits, costs, and added features.

And if you’re wondering where to get the best pet coverage, we’ve got you covered there.

Just keep reading, and you’ll be on your way to providing the most excellent care for your companion in no time.

1. Healthy Paws

For dogs, Healthy Paws has only one accident and illness coverage. There are no per-incident, yearly, or lifetime benefit restrictions, and you may pick between a $100 and $500 deductible.

Healthy Paws’ mobile app allows for speedy claim processing, with most claims being handled within two days. If you can’t afford the upfront veterinarian expense, it provides a direct payment alternative instead of reimbursement.

Healthy Paws is excellent for registered pets while they are young, as the insurance options and reimbursement prices for older pets are more limited.

Why Choose Healthy Paws?

We chose Healthy Paws because most insurance plans exclude alternative therapies. However, Healthy Paws policies include all treatments prescribed by a veterinarian and performed by a chiropractor.

Therapies include acupuncture, chiropractic care, hydrotherapy, physical therapy, laser therapy, and massage therapy.


  • No per-incident, annual, or lifetime caps
  • Quick claim processing
  • Covers alternative therapy for diagnosed conditions
  • Direct payments available under certain conditions


  • No hip dysplasia coverage for dogs enrolled at six years or older
  • Only a single policy offered
  • Limited coverage options for senior pets
  • Office exams aren’t covered


Cats and dogs can get accident-only, accident and sickness, or preventative care from the American Society for the Prevention of Cruelty to Animals (ASPCA). Horse owners may insure their horses, but only in specific states.

The ASPCA’s premium prices are among the most reasonable in the market, and the organization is also more adaptable to critical insurance conditions than its competitors.

While other policies limit coverage for genetic or congenital disorders based on your pet’s age at enrollment, ASPCA assures coverage regardless of your pet’s age at registration as long as the problems aren’t pre-diagnosed.

Treatable pre-existing conditions are also covered if your pet has been symptom-free for at least 180 days. Other businesses may need you to wait up to a year.

This insurer also fails to impress with its long claim processing time. Pet care is costly, and waiting 30 days for health insurance isn’t a strong selling point, especially since other rivals process claims in days.

Why Choose ASPCA?

We chose the American Society for the Prevention of Cruelty to Animals (ASPCA) as the best pet coverage for congenital or genetic problems. However, it does not exclude coverage for certain illnesses if you enroll your pet beyond a specific age.

Your pet will be insured entirely promptly because of the short 14-day waiting period.


  • Standout coverage for hereditary illnesses
  • No upper age limit for enrollment
  • Curable conditions are covered after 180 days
  • It covers stem cell therapy and microchipping


  • Claims processing may take up to 30 days
  • Monthly payments incur a transaction fee
  • The website is not user friendly

3. Spot

Spot makes it simple to optimize your pet’s coverage. It’s one of the few organizations that offer insurance with a full (100%) coverage option. 

That means you’re not responsible for any bill copayments. Furthermore, the organization offers a low ($100) deductibles option, further lowering your out-of-pocket healthcare costs.

Choosing a low copayment or a low deductible, on the other hand, will result in higher coverage rates. Spot’s charges are already more significant than the average for young dogs. 

Although the firm has no maximum age restriction for insuring new animals, making it a suitable option if your furry friends are aged.

Why Choose Spot?

We chose Spot for how effectively it caters to pet owners who want coverage that maximizes their pet’s health.

Even though selecting for minimal or no copayments and a modest deductible tends to push up the cost of any insurance.

A spot is an excellent option for elderly pets, as it has no age restrictions.


  • Deductible starting at $100
  • Unlimited annual coverage is available
  • Covers alternative therapies such as acupuncture and hydrotherapy
  • No upper age limit


  • Higher-than-average premiums for young pets
  • Limited knee and ligament coverage (bilateral condition policies)
  • No weekend customer service availability

4. Pumpkin

Pumpkin has low-cost programs with the option of adding preventive healthcare packs for young dogs and cats that aren’t covered by regular coverage. 

One annual wellness checkup charge, four puppy immunizations, and one yearly fecal test are included in the company’s puppy preventative care packs.

Pumpkin will cover lab testing for parasites and refund the cost of up to four immunizations for your puppy. These add-ons, dubbed Pumpkin Preventive Essentials, aren’t accessible in all states.

Why Choose Pumpkin? 

We chose Pumpkin’s because pet insurance policies include some of the most comprehensive coverage available. The company provides a wide range of diagnostic, treatment choices, and options for pets with injuries or diseases.

Moreover, it provides both comprehensive and non-insurance preventative care choices for young animals at a reasonable price.


  • No upper age limit
  • Coverage for prescription food
  • Short (14-day) waiting period for all conditions, including knee and hip dysplasia
  • 30-day money-back guarantee


  • No customizable reimbursement levels
  • Annual coverage limits apply ($10,000 for dogs, $7,000 for cats)
  • Limited deductible options ($100 to $500, so it will likely be more expensive)

5. Figo

FIGO allows pet owners to lower their copayments to 0%, and also 100% reimbursement option is offered by FIGO (Such deductibles are typically 10%). However, the amount will be compensated throughout your pet’s lifespan.

If you’re looking for a policy with 0% copay, unlimited payout benefits, or both, you should expect higher premiums.

In addition to the limitations on hereditary conditions, Figo also does not offer riders. Vets can charge additional coverage for vet examination fees, but they cannot charge for preventative care or wellness.

Mobile phone support is very prevalent on the Figo Pet Cloud app. Using the app, you can make payments, maintain your pet’s insurance documentation, and call a qualified veterinarian at any time of day or night.

Why Choose Figo?

In contrast, most other insurance companies only cover approximately 90% of the expenses. At the same time, Figo represents the best insurance coverage for reimbursement alternatives.

Furthermore, pet owners can receive up to 100 percent reimbursement and eliminate their copayments.


  • Up to 100% reimbursement
  • No upper age enrollment limit
  • Low deductible options
  • Free 24/7 vet helpline
  • Short 3-day waiting period for injuries and 14 days for illnesses


  • No coverage on hereditary conditions if a pet is enrolled after 2nd birthday
  • 6-month waiting period for knee injuries and orthopedic conditions
  • It doesn’t cover preventative care

6. Embrace

Embrace is prepared to cover pets up to 15 years old for accidents and illnesses. You can still get insurance beyond that age, but just for accidents, and it’s unusual because most firms won’t cover pets above ten.

As stand-alone insurance, Embrace does not provide wellness benefits. However, pet owners can enroll in the Wellness Rewards program and contribute a certain amount toward the cost of preventative treatment.

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Because leftover funds do not transfer to the following year, be sure your yearly payments meet the projected amount of preventative care.

Another advantage of Embrace pet insurance is that the deductibles are getting down. Embrace will lower your yearly deductible by $50 if you do not obtain a claim refund.

If you’ve previously submitted a claim within that time limit, all policies have a 30-day money-back assurance or a prorated return.

Why Choose Embrace?

Insurance coverage for aging dogs should not be denied when they are most in need. Embrace provides full insurance to pets under 14 years of age and accident-only coverage, and Embrace comes up as one of the best pet insurers for older pets.


  • High upper age limit for enrollment
  • Yearly diminishing deductible
  • It Covers curable pre-existing conditions
  • High annual reimbursement limit option


  • Only covers dogs and cats
  • No unlimited benefit options
  • Limited wellness benefits

7. Pets Best

Accident and illness insurance is available from Pets Best and various healthcare plans to replace your pet’s routine care.

Most insurers need pets to be at least 8 weeks old before they can be insured. However, Pets Best will cover pets as young as seven weeks, and there is no higher age restriction so that you may ensure older pets.

Treatments for mobility concerns aren’t typically covered by insurance. But Pets Best covers wheelchairs and assistive devices when a vet recommends treating a covered injury or sickness.

However, Pets Best has bilateral exclusions. This means your pet has already been diagnosed with a problem on one side of its body, such as blindness in one eye, hip dysplasia, or luxating patellas.

Pets Best will not cover the ailment if it affects the opposite side; this is a pre-existing condition.

Why Choose Pets Best?

We chose Pets Best because of the wide range of coverage options and low deductibles. It also provides coverage for puppies and kittens as young as 7 weeks old. It’s also one of the few insurance companies covering wheelchairs and prosthetics.


  • Covers pets as young as seven weeks with no upper age limit
  • Direct payments available
  • Coverage for prosthetic devices and wheelchairs
  • Wide range of deductibles


  • Parasite treatments not covered
  • Policy upgrades are not available until the renewal date
  • Bilateral exclusions apply

8. Lemonade

Lemonade offers a complete accident and sickness policy with preventive healthcare. Preventive care includes yearly examinations, immunizations, and heartworm and parasite tests.

A supplementary rider is offered to cover vet checkup expenditures and alternative therapies like acupuncture.

Excess premium payments are also donated to NGOs chosen by policyholders. Lemonade is only accessible in 36 states right now, and you can register for updates on the company’s website.

Why Choose Lemonade?

Lemonade was chosen because of its unique AI-powered technology, which promises to provide claims via the app relatively rapidly.

Many pet owners may be interested that a portion of the company’s profits is donated to the charity of their choice.


  • Quick claims processing — in minutes rather than weeks via mobile app
  • Multiple discounts, including for bundling with homeowners insurance, insuring multiple pets, and making a single, annual payment
  • A portion of payments goes to pet-related charities.


  • Only available in 36 states
  • Limited information online
  • Must submit past 12 months of medical records along with exam
  • Rates are partially based on credit score
  • No 30-day “free look” period

9. Trupanion

Trupanion has a single insurance plan that covers both cats and dogs. Moreover, traditional advantages include diagnostic tests, surgery, hospitalization, and prescription drugs.

Insurance includes alternative therapies, dental diseases, prosthetic devices, and prescription food.

You don’t need to claim if your vet uses Trupanion’s direct payment program; Trupanion funds the vet directly. As a result, policyholders won’t have to worry about paying large upfront payments or filing compensation claims.

Its coverage, on the other hand, is extensive. Your pet will receive 90% compensation on all valid claims if you can afford higher-than-average rates.

Moreover, there are no payment restrictions per event, year, or lifetime.

Why Choose Trupanion?

Typically, pet owners must pay the full vet charge before being reimbursed. Your veterinarian may file a claim and get it delivered quickly with Trupanion’s direct payment software. You are not required to pay any money out of pocket.


  • The company pays vets directly
  • No payout limits for any benefits (per incident, monthly, or lifetime)
  • Free 30-day coverage with partnering shelters, breeders, or vets
  • Lifetime per condition deductibles
  • Enrollment is available in the US, Puerto Rico, Canada, and Australia


  • High premium rates
  • Per-condition deductible
  • No preventive care coverage
  • No multi-pet discounts
  • Only one plan option

10. Nationwide

The only pet insurer of this magnitude to provide Avian and Exotic Pet coverage is Nationwide. Most birds, reptiles, and small mammals can be covered, including farm animals and pot-bellied piglets.

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To receive a quotation or enroll in exotic pet insurance, contact 844-244-3691. Although, dog and cat health coverage may be purchased straight on Nationwide’s website.

Nationwide provides 3 accident and sickness policy choices and two wellness care packages for these dogs.

Why Choose Nationwide?

We chose Nationwide as the top exotic pet insurance provider because it provides comprehensive coverage for a wide range of unusual animals.

Pet owners should rest easy knowing that reliable insurance would cover up to 90% of their expenditures for such animals.


  • Coverage for exotic pets, including birds
  • Those with other Nationwide policies save 5% on pet insurance coverage
  • Visit any licensed vet, specialist, or emergency care provider anywhere in the world
  • Free 24/7 vet helpline
  • Low 50% reimbursement option


  • Only a single ($250) deductible option is available
  • Upper age limit on enrollment
  • Critical information on coverage and exclusions is hard to find
  • Limits the amount of reimbursement for standard procedures and conditions

Frequently Asked Questions (FAQ)

Does Pet insurance Only Cover Dogs?

Pet insurance isn’t only for dogs. Pet insurance for birds and exotic pets such as turtles, pot-bellied hogs, rabbits, frogs, and hamsters is available from some insurers.

For example, Nationwide provides avian and exotic pet health insurance. This plan provides coverage for pets for issues such as upper respiratory infections, eye infections, arthritis, and internal parasites.

Nationwide’s policy excludes poisonous species, endangered or threatened species, hybrids of domestic pets, species kept in groups or on display, or any species that are prohibited from possessing under state or federal law.

What Factors Determine The Cost Of Pet Insurance?

The cost of your insurance coverage is influenced by your pet’s size, breed, age, geographic location, and the term of your insurance and the firm that sells it both play a part.

Finally, by picking a quotation that fits your budget, you can choose what coverage is appropriate for you.

Do Pet Insurance Companies Offer Discounts?

Yes, there are savings available from many pet insurance providers. Many providers offer discounts when you cover many dogs to help make plans more affordable. There are also specific discounts available for veterans, active military members, and persons who work in animal-related fields.

Does Pet insurance Insure Dogs With Pre-existing Conditions?

In general, pet insurance does not cover any injury, disease, or other health issues that occur at the time of enrolment or during the subsequent statutory waiting period.

Pre-existing medical issues that a veterinarian has not formally diagnosed are included. Healthy Paws and some other insurers also form a bilateral exclusion.

This implies that if your pet experiences a ruptured tendon injury to one leg before registration or during the waiting time, the corresponding limb will not be covered in the event of similar damage.

How Much Is Pet Insurance For Dogs?

The average cost of a dog’s accident and illness insurance coverage is $585.40 per year or $48.78 per month. According to an industry survey, dog insurance is becoming more popular among pet owners, with a 15.6 percent increase in the number of covered dogs.

The cost of coverage varies depending on the plan you choose, with some policies having lifetime restrictions and others having yearly limits per medical condition.

Dog insurance costs can range from $10 to more than $100 per month, while most pet owners may pay between $30 and $50 per month for a plan that provides adequate coverage.

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With pet insurance coverage, you may have peace of mind knowing your furry companion will receive the medical treatment it requires in the event of an unexpected illness.

Now, Spot grabs your interest because of its personalized plans, or you desire Embrace’s deductible options.

Which Is The Best Pet insurance For Dogs In Texas?

Before final selection on a Texas pet insurance policy, examine variables such as coverage, cost, and add-on possibilities. For example, if you’re looking for something less expensive, Lemonade can be a good option.

Healthy Paws may be a better option for individuals looking for insurance with a few extras, such as rebates for lost pets and cancellation costs.

While Embrace is more expensive than some of its rivals, it may be an appealing choice for pet parents looking for alternative therapies and coverage of behavioral disorders.

Which Is The Best Pet insurance For Dogs in Pennsylvania?

After researching pet insurance quotes from several providers, we’ve determined that Lemonade generally offers the most reasonable pet insurance prices in Pennsylvania, with flexible deductibles, coverage caps, and reimbursement levels.

To get the best pet insurance for your needs at the lowest cost, compare multiple quotes in your area.

Final Thoughts

A healthy pet is a happy pet, and the pet’s health is vital. As a result, having insurance means you don’t have to worry about your pet’s health.

Your insurance provider will look after your pet and ensure that they receive adequate possible treatment. Therefore, these are the top10 pet insurance providers to look after your pets.

Introducing Eoin Park, an automotive blogger whose passion for cars was ignited during his education in automobile mechanics. With 11 years of hands-on experience in the auto industry, Eoin's expertise is unmatched. His favorite car, the Lincoln Corsair, 4Runner, exemplifies his love for durability and adventure. Eoin specializes in vehicles suited for long drives, blending comfort and performance seamlessly. Join him as he navigates the roads, sharing his insights and recommendations for the ultimate driving experience.


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