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Dog Insurance

Dog laying on the ground yawning

Dog Insurance Overview

If you're looking for pet insurance for your dog then you've come to the right place.

There are three different options you can choose from when shopping for a health insurance plan for your dog.

  • Major Medical Coverage - These plans account for over 98% of all pet health insurance plans purchased
  • Wellness Coverage - Some companies allow you to add wellness coverage to a standard major medical plan
  • Accident Only Coverage - These plans are less expensive than major medical plans, but only cover claims for accidents

It's important to note that no dog insurance company covers pre-existing conditions so it's important to enroll in a plan while your dog is healthy!

Find Your Dog's Breed Here!

Dog Insurance Companies

There are 12 American dog insurance companies and while some provide excellent coverage and service, others aren't even worth the money.

Company Customer Satisfaction Overall Rating

Healthy Paws Pet Insurance

Coverage Options:

Major Medical

Healthy Paws Overview





Veterinary Pet Insurance

Coverage Options:

Major Medical, Wellness

Nationwide Overview





Embrace Pet Insurance

Coverage Options:

Major Medical, Accident Only, Wellness

Embrace Overview





Petplan Pet Insurance

Coverage Options:

Major Medical

Petplan Overview





Pets Best Insurance

Coverage Options:

Major Medical, Accident Only, Wellness

Pets Best Overview





Trupanion Pet Insurance

Coverage Options:

Major Medical

Trupanion Overview





Figo Pet Insurance

Coverage Options:

Major Medical

Figo Overview





ASPCA Pet Insurance

Coverage Options:

Major Medical, Accident Only, Wellness

ASPCA Pet Health Insurance





PetFirst Pet Insurance

Coverage Options:

Major Medical, Wellness

PetFirst Overview





PetPremium Pet Insurance

Coverage Options:

Major Medical, Accident Only, Wellness

PetPremium Overview





AKC Pet Insurance

Coverage Options:

Major Medical, Wellness

AKC Pet Insurance Overview





24PetWatch Pet Insurance Logo

Coverage Options:

Major Medical, Wellness

24PetWatch Overview




More Coverage Details


Standard major medical plans cover your canine for unexpected health issues. However, some companies also offer wellness plans to cover routine care expenses. Here is a quick chart that shows what's covered by dog insurance plans, and what's not.

Coverage Major Medical
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Prescription Meds
Routine Care O
Pre-Existing Conditions X

✓ = Included   O = Optional   X = Excluded

Note: Unfortunately, dog insurance does not cover pre-existing conditions, so it's important to enroll while your pet is healthy and young.

Dog Health Facts & Stats

Unfortunately, far too many dog owners don't feel like they need pet insurance until it's too late. Here are 100 facts about veterinary care and why dog health insurance is a good idea whether you have a one year old Labrador or an eight year old Mastiff.

  • A pet receives emergency medical care every 2 ½ seconds
  • Every 6 seconds a pet owner is faced with a vet bill of more than $5,000
  • Two out of every three pets will experience a significant health problem during their lifetime
  • In 2015 expenses on veterinary care totaled $15.7 billion
  • The #1 reason people buy pet insurance, “Want to make decisions about their pet's health care without worrying about whether or not they can afford treatment."
  • The #2 reason is people buy is that they, “Have been faced with expensive vet bills in the past and want to avoid them in the future.”
  • The #3 reason people buy is, “Peace of mind.”


Common Dog Health Issues

And this year alone, pet owners will spend a staggering $15.7 billion on veterinary care. Just paw through the costs of some conditions that commonly affect canines.

Condition Cost to Treat
Canine Cancer $5,000 to $20,000
Canine Hip Dysplasia $4,000 to $6,000
Cardiac Issues $1,000 to $20,000
Cataracts $2,000 to $3,000
Congenital Heart Defect $15,000 to $20,000
Corneal Dystrophy $2,000 to $3,000
Cruciate Ligament Tear $3,000 to $10,000
IVDD $3,000 to $9,000
Liver Disease $2,000 to $5,000
Pancreatitis $10,000

Source: Dog Health Conditions

If Fido can't resist eating anything he puts his paws on, has an accident or gets sick, you want to know he can get the best veterinary care without breaking the bank.

Dog Insurance Cost

Here is a sample of dog pet insurance costs for the top 10 most popular dog breeds.

Dog Breeds Cost *
Mixed Breed Dog $38/mo.
Labrador Retriever $44/mo.
Yorkshire Terrier $41/mo.
Golden Retriever $46/mo.
Dachshund $50/mo.
Chihuahua $48/mo.
German Shepherd $49/mo.
Shih Tzu $42/mo.
Boxer $54/mo.
English Bulldog $52/mo.
Average for All Dogs $42/mo.

* Standard coverage for a three year-old

Full List of Dog Breeds

Here are five factors that determine how much you will pay for pet insurance.

  • Type of Pet You Have
  • Where You Live
  • Your Pet's Age
  • Company You Choose
  • Coverage You Select

Here are some sample costs across the country for a three year-old mixed breed dog. The most expensive the zip code you live in the higher your rates wil be.

New York, NY Atlanta, GA Los Angeles, CA
 $46/mo. $41/mo. $43/mo.

Source: Pet Insurance Cost

See Prices for Your Pet

Dog Insurance Reviews

We've help thousands of dog owners find the perfect pet insurance plan. Below are some dog insurance reviews and stories that will help give you an idea of what current customers have to say.

Pet Insurance Reviews

Pictured: Baron, Insured by Pets Best

"Enroll Your Dog TODAY"

"We picked up Gus from a breeder earlier this year and knew we wanted to insure him based on experience with past pets. Unfortunately we lost our last dog, Beau, to cancer and the vet bills were enormous..." Read More

- Melissa & Gus

"Petplan Answered the Phone at 3:00am"

"A friend sent me a Facebook message about so I decided to check it out. I'm sure like most pet owners I was aware of pet insurance but completely uneducated..." Read More

- Mitchell & Harris


"Now We're Prepared for Anything"

"My partner and I rescued Georgie 6 months ago from a shelter in Western PA. We've always wanted to rescue a dog and we finally built up the courage to do it! We found Georgie on and fell in love with his picture and his story..." Read More

- Neil & Georgie

"Baron and Veronique's Story"

"Baron was about one year old when I adopted him almost 7 years ago. He was malnourished likely abused and neglected as a puppy..." Read More

- Baron & Veronique (pictured above)

"Broken Leg Cost $6,000"

"We live near the beach in Central California. My husband Al used to be a writer for the Simpsons so we named our rescue lab Bart..." Read More

- Gina & Barb


Protect Your Pet Today


Edited by: Nick Braun

Related Content


Common Pet Health Problems


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