Table of Contents

    Best Dog Insurance Companies in 2021

    Written by Aneta Mircevska Updated on October 31, 2021

    If your dog has ever been injured or sick, you know how expensive veterinary care can be. A financial safety net you can fall back on can be very helpful in these sorts of situations. Pet insurance plans are the best safeguard against unforeseen injuries, illnesses, and other potential pitfalls that your dog might go through.

    Below, we will go over our unbiased opinion of the top dog insurance companies of 2021 in order to choose the best insurance company for your dog.

    What is the best pet insurance for your dog?

    PetFirst

    Read PetFirst's Full Review Here >>

    With so many options out there, finding the right insurance policy that works for your dog as well as your wallet can be time-consuming. We’ve made it our mission to review every insurer out there, and have pulled together our top ten from them all.

    What is Dog insurance?

    If you're a dog parent, you've probably already experienced a roller coaster of emotions when it comes to your pup. You've felt love and companionship as you've cuddled and played together, been exasperated as you've had to replace another pair of slippers that your pooch chewed through, gotten angry when a bigger dog chased yours at the dog park, and felt truly sad with your dog when you couldn't locate her favorite chew toy (note to self: check under the fridge).

    Still, there's one emotion that you never want to experience as a dog parent: the fear that you might not be financially capable of taking care of your dog when she's sick or injured. Even though we may not want to think about it, our canine companions get sick and hurt just as often as we do, and these conditions are apt to occur more frequently as they age.

    Over the past years, dog insurance has emerged as a reliable, feasible means of securing your dog's health requirements. The monthly or annual sums you pay into your dog insurance plan broaden the scope of treatments you can provide for your dog when she really needs them as well as the amount of treatments you can give her in a given year.

    How Does it Work

    If you've had any experience dealing with health insurance for yourself or your family members, the world of dog insurance should be pretty familiar. Dog insurance companies typically set up annual quotes for your dog's health insurance based on a trifecta of factors: your deductible, premiums, and reimbursement.

    The deductible is the amount of money you need to pay before your dog insurance starts paying your claims, the premium is the monthly or annual amount of money you contribute in addition to the deductible, and the reimbursement is the percentage of each claim that your dog insurance company pays. You can play around with these amounts to find a price that works for you - a higher deductible will lower your premium, while a higher reimbursement rate will raise it.

    Before you can start to get your dog insurance involved in treatment for your pup, each dog insurer has a waiting period. Typical waiting periods for illnesses last around two weeks, though the waiting periods for accidents can be much shorter. Some dog insurers put an annual cap on the amount of money they’ll pay within a year, while others don’t but may accordingly charge a higher premium.

    Many dog insurers today make it simple to get everything done online: get a quote, sign up, manage your account, even get reimbursed. Other perks you can look for in a dog insurer include direct-to-vet pay, so that you don't even need to wait to be reimbursed, multiple pet discounts, and 24/7/365 customer support line.

    Pet Insurance for Old Dogs

    The older your dog is, the harder it is to insure. Plus, your policy will no doubt be much more costly. We’ve reviewed the best insurance providers out there for older dogs - you can find all of our favorites right here.

    Dog Insurance by Breed

    Our Top Picks for Dog Insurance

    1. PetFirst – Best pet insurance if you’re looking for low deductibles
    2. Pawp – 24/7 online access to licensed veterinarians
    3. PetPremium – Available wellness plans
    4. Embrace – Generous rewards program
    5. Eusoh – Best comprehensive treatment coverage
    6. Healthy Paws – High rankings by customers
    7. PetPlan – Doesn’t include a limit on claims
    8. PetAssure – Great if you have multiple dogs
    9. Spot – Supplements and prescriptions coverage
    10. Pumpkin – Easy online quote tool

    How We Select the Best Dog Insurance Providers

    Some criteria by which we assess whether or not a pet insurance provider offers good services are the following:

    • There are several different options they offer, so you have the freedom to choose which one is best for your pet.
    • You don’t have to spend a fortune if your pet develops an ongoing illness or gets injured.
    • The vet bills are covered without a hassle in case your pet becomes ill or is injured.
    • There aren’t too many limitations when it comes to the coverage that the pet insurance provider offers.

    Top Dog Insurance

    Need a dog insurance policy? We’ve pulled together our top ten providers available right now for comprehensive and affordable coverage.

    1. PetFirst - Quick accident coverage and a multi-pet discount.

    Pro's

    • Coverage for accidents within 24 hours
    • Discounts for multiple pets
    • Deductibles are low
    • Reliable online knowledge base

    Con's

    • Low annual limits

    Established in 2004, PetFirst is the first choice for Americans everywhere for its desirable policies, especially when it comes to dogs. With low deductibles and almost immediate accident coverage, it ensures your pooch gets the care it needs and at an affordable price.

    Learn more about it here.

    2. Pawp - Covers any emergency at any time.pawp

    Pro's

    • Covers all emergencies
    • Provides up to $3000 emergency funding
    • Up to six pets per plan
    • 24/7 Online Access to licensed vets

    Con's

    • Wellness coverage

    Pawp is a great choice for dogs, not least because of its emergency coverage. With 24/7 access to licensed vets, you can check in and get that much-needed consultation on your dog whenever you need it.

    You can find out everything you need to about Pawp right here.

    3. PetPremium - Suitable for any price range.

    Pro's

    • Personalized coverage
    • Wellness is available
    • All budgets accepted
    • Behavioral care available

    Con's

    • Continued care restrictions

    PetPremium is known for fairly affordable policies but more prominently for sharing its expertise on your dog’s nutrition with tailored plans. It makes the process of applying for pet insurance straightforward and you can have a policy up and running in no time.

    See what we think about PetPremium in more detail here.

    4. EmbraceElite policies for your pet since 2003.Embrace Pet Insurance Logo

    Pro's

    • Rewards programs
    • Responsive customer service
    • Deductible at no extra cost
    • Exam coverage

    Con's

    • Doesn’t cover preexisting conditions

    For almost 20 years, Embrace has been protecting thousands of pets across the US with affordable, comprehensive insurance policies. Though it doesn’t cover preexisting conditions, the rewards program and responsive customer service are a couple of features that set it apart.

    Learn more about it right here.

    5. Eusoh - Unique community-based insurance.Eusoh Logo

    Pro's

    • Transparent on pricing
    • No age limit
    • Can use any vet
    • Comprehensive treatment coverage

    Con's

    • Plans aren’t customizable

    The only thing holding Eusoh back is that its plans are static, and there’s no personalizing available. Other than that, it’s one of the best providers of dog insurance out there right now. Pricing is upfront and there’s no age limit on your pet.

    Click here to find out more.

    6. Healthy Paws -Easy claims and fast reimbursements.

    Pro's

    • Claims are easy to submit
    • Reimbursements are quick
    • Unlimited lifetime coverage
    • Customer ratings are high

    Con's

    • No wellness plan

    With unlimited coverage for a lifetime and fast reimbursements, Healthy Paws deserves a place on our top ten list. Though there’s no wellness plan, there’s on offer here - all backed up by affordable policies and reliable, responsive customer service that’s there when you need it.

    Get our thoughts on Healthy Paws here.

    7. PetPlan -No claims limit and many other features.

     

    Pro's

    • Coverage across USA and Canada
    • No limit on claims
    • Exam fees are covered
    • Covers advertising for lost pets

    Con's

    • No discount for multiple pets

    Covering up to 90% of your vet fees, PetPlan makes providing the proper care for your dog an affordable possibility. Going as far as paying exam fees for illness screenings, you can count on this insurer to deliver high quality policies for the right price.

    Get the full picture on PetPlan here. 

    8. PetAssure - Many unique benefits.PetAssure Logo

    Pro's

    • No deductibles
    • Pre-existing conditions are covered
    • Multi-pet discount
    • All medical procedures are covered

    Con's

    • Not typical pet insurance

    PetAssure isn’t your typical policy provider, and doesn’t technically provide insurance. That said, the service you can get for your dog includes protection for all medical procedures and covers pre-existing conditions. What’s more, multi-pet discount is available for those with more than one dog. 

    Find our thoughts on PetAssure right here. 

    9. Spot - Set your own reimbursement options.Spot

    Pro's

    • Covers supplements and prescriptions
    • Multiple reimbursement options
    • Multi-pet discount
    • No upper age limits

    Con's

    • Doesn’t cover exotic pets

    Spot is one of the most popular out there right now when it comes to pet insurance. With multi-pet discount and prescriptions covered should your dog need medicine, you can save even more money compared to what you would with other providers.

    Learn more about Spot here. 

    10. Pumpkin -Make your dog covered in almost every scenario. Pumpkin Logo

    Pro's

    • Most procedures are covered
    • No upper age limit
    • Multi-pet discount
    • Covers dental

    Con's

    • No choice on reimbursement rates

    Pumpkin is ideal for dog and cat owners because it specializes in coverage for these animals and doesn’t offer policies for any others. Anyone looking to boost their insurance policy can add Essential Preventative Care, which includes wellness exams, vaccines, and more.

    See if Pumpkin is for you here.

    Why Do I Need Dog Insurance?

    Dog insurance is beneficial for any dog parents who want to be able to give their dog the best medical treatment but who don’t have access to endless pools of cash. With dog insurance you set up monthly payments that you know you can meet and say goodbye to worrying about what will happen if and when your dog gets sick or hurt.

    In some ways, it’s easier to explain who might not need dog insurance. If your dog is over 14, most dog insurers sadly won’t offer coverage for them, or if they do it will be a very limited plan. Similarly, pet parents of dogs suffering from one or more pre-existing conditions may not have a lot to look forward to with dog insurance, since most dog insurers are unwilling to cover pre-existing conditions.

    If you don’t fall into either of these categories, though, dog insurance is a safe bet. Just as you wouldn’t advise any human family member to forego health insurance and hope for the best, you don’t want your pup to be left in the lurch when trouble comes knocking in the form of a broken limb or grave disease.

    What Does it Cover?

    Coverage changes from dog insurer to dog insurer, so if there are specific conditions you’re worried about you should browse different dog insurance reviews and websites to see if they’re covered. For the most part, though, dog insurers include what you would expect from a health insurer: hospitalization and surgery, tests, cancer treatments, genetic and chronic conditions.

    If you opt for an accident-included plan, you’ll also be covered in cases of car accidents, cuts, and other mishaps your mischievous pup can get into. Some insurers also include alternative therapies, prescription drugs, and exam fees in their plans as well.

    What’s not covered from the start? Typically, dogs over 14 and pre-existing conditions won’t be covered by your dog insurer, though there are exceptions to this rule. Likewise, because many breeds of dogs are subject to hereditary orthopedic conditions many dog insurers have limitations on how soon you can insure your dog for these conditions or whether you can insure them at all. Finally, wellness treatments such as routine grooming, preventative care, dental care and shots are usually only available as add-ons and not through the primary insurance plan.

    As always, if you have any questions about what a dog insurer covers you can check out its website or give it a call, which is also a good chance to take its customer service out for a test drive.

    Is Dog Insurance Worth It?

    Once you've made the decision to become a dog parent, getting dog insurance is the next logical step. After all, adopting a dog is a little bit like getting married in the sense that you're committing to your dog in times of health - and in times of sickness.

    Dog insurance makes the times when your dog is just under the weather, very ill or badly injured less stressful by having a financial system in place to make sure she's well cared for. While it does force you to budget for your pet's health, it also expands the type of treatments and number of treatments you're able to give your dog.

    Sure, during a year in which your dog only has sniffles and a few scratches you may feel like you've overpaid for your dog insurance. However, your dog insurance really shows up for you when your year isn't going so well and you're making multiple trips to the vet for treatments that can get costly. Without insurance, you may not be able to resolve all of those issues and give your dog the best quality of life.

    Common Health Issues Dog Insurance Should Cover

    Unlike playing the stock market, investing in your dog’s healthcare is a move you’ll never regret. If you’re new to the dog insurance game, here are some of the common health issues a dog insurer should really cover to make your investment worthwhile:

    • Cancer in dogs
    • Hip dysplasia and other orthopedic conditions
    • Congenital and chronic conditions
    • Hospitalization and surgery
    • Alternative therapies like hydrotherapy and acupuncture
    • Blood tests
    • Specialist appointments
    • Cuts and stitches
    • Car accidents
    • Dental treatments after an accident
    • X-rays and ultrasounds

    No dog insurer is perfect, and it’s unlikely that you’ll find a pet insurance company that ticks off every health condition or treatment you have your heart set on. That said, most dog insurers take pains to make it very clear what they do and do not cover so that you can make an informed decision.

    Dog insurance has made a huge difference in the amount and quality of care we’re able to provide for our dogs, and we would recommend it to anyone who’s thinking of getting a dog or who already has one. 

    FAQ

    What are some common diseases my dog can get?

    Some common diseases for a dog include heartworm, diabetes, cancer, ringworm, rabies, and parvovirus.

    Do you legally need to insure your dog?

    Since 2016, having your dog microchipped has been a legal requirement. However, there isn’t a law that states that your dog should have pet insurance. If you decide to buy a pet insurance policy for your dog, it will be entirely your decision.

    Does pet insurance for my dog automatically renew each year?

    Usually, at the end of each year, your insurance will be renewed automatically unless you contact your pet insurance provider and ask for them not to renew your insurance policy.

    Is it worth getting lifetime pet insurance for your dog?

    In case your dog develops a long-term illness, such as arthritis or diabetes, it would be ideal to get lifetime pet insurance coverage. The reason for this is because lifetime policies are usually a lot more comprehensive than the policies that are time-limited and offer coverage for short-term injuries and illnesses.

    Do dog insurance prices go up with age?

    Usually, the premiums of the pet insurance plan are likely to increase as your dog gets older.