Pet Insurance Quotes

Get FREE Quotes!

Dog Insurance Overview

Compare Pet Insurance Plans and Prices


What is Dog Insurance?

Dog insurance is health insurance for your dog. It covers unexpected veterinary costs from emergencies and major medical treatment.

Some companies also offer wellness coverage to cover routine care expenses like regular checkups and vaccinations.

Your dog is part of the family. And when it comes to your pooch's health you want the best.

Whether you have a new puppy or an older dog, we can help you find the perfect insurance coverage.

You and your dog are 100% unique, so we wanted to provide as much information as possible to ensure you make the perfect decision.

How Much is Pet Insurance for a Dog?

Dog Breeds Avg.
Mixed Breed Dog $39/mo.
Labrador Retriever $45/mo.
Yorkshire Terrier $42/mo.
Golden Retriever $47/mo.
Dachshund $51/mo.
Chihuahua $49/mo.
German Shepherd $50/mo.
Shih Tzu $43/mo.
Boxer $55/mo.
English Bulldog $53/mo.
Average for All Dogs $43/mo.

Prices for full, major medical coverage

Did You Know?

According to the AVMA 67% of dog owners consider their pet a family member!

Best Dog Insurance Plans

Dog laying on the ground yawning

There are 12 pet insurance companies in America and all o f them offer coverage for dogs. Choosing a company to protect your dog is a big deal because it can mean the difference between getting paid for a claim and getting left holding the bag.

Here is a chart of the best pet insurance companies for puppies and dogs in the U.S.


Dig Deeper: Rating Methodology

Coverage Options


There are three different coverage 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!

Dip Deeper: Find Your Dog's Breed

Get free pet insurance quotes

Specific Health Issues


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

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

Facts & Statistics

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. 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. 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

How Much Does it Cost?

Dog Insurance Cost

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

Dog Breed Cost *
Mixed Breed $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.

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 will be.

Pet Insurance Cost

Is Dog Insurance Worth It?

If dog insurance wasn't worth the cost then it wouldn't exist. There are over 1 million pets that are insured in the U.S. and over 90% of them are dogs... that's over 900,000 dogs that are insured!

The #1 reason dog owners purchase pet insurance is peace of mind. As you can see from the dog health issues list previously, veterinary care can cost thousands of dollars if your pooch needs emergency care or life-saving treatment.

The bottom line is this, how much would you pay for veterinary care on your dog to save their life? If the answer is $5,000 to Unlimited then dog insurance coverage is worth the investment for you.

Is Pet Insurance Worth It?

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

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. He had a rough start to life from what I was told. I quickly learned Baron was going to be quite a project for me. He was afraid of everything and everyone. From day one, he would come to work with me every day so he could be by my side and see what the world had to offer..."

Read More


Gus and Melissa

"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. Going through that experience really changes your perspective as a dog owner because you realize how awful it feels when your dog needs life-saving treatment. You also learn, through that experience, how expensive the emergency room visits, diagnostics, tests, surgery and treatment are. In less than 24 hours your vet bills can exceed $5,000 before they even know what's wrong. Luckily for us we had pet insurance for Beau..."

Read More


Yellow Labrador Retriever Puppy

Pictured: Gus and Melissa playing

Read More Stories: Pet Insurance Reviews


Small Dogs

Small dogs are versatile. They can sit on your lap while you watch your favorite TV show or chase tennis balls in the backyard. Small dogs are unique. They need to be cared and looked after differently than bigger dogs. From the food you feed your small dog to the leash you choose small dogs are different than big dogs. And in honor of small dogs we decided to create a pet insurance guide dedicated to the small dogs of America!

Learn more about dog insurance


Top 10 Health Issues in Small Dogs

These health issues aren't exclusive to small dogs, but they are more prevalent in small breed dogs, so it's important to be aware of them as you evaluate pet insurance coverage. Also keep in mind that smaller dog breeds live longer than larger dogs so the likelihood of an illness is higher.

Condition Cost to Treat
Dental Problems $250 to $1,500
Intervertebral Disc Disease $3,000 to $9,000
Luxating Patella $1,500 to $3,000
Brachycephalic Syndrome Varies
Collapsed Trachea Varies
Hip Dysplasia $4,000 to $6,000 per hip
Legg-Perthes Disease $2,000 to $4,000
Cherry Eye $500 to $1,000 per eye
Ectropion $300 to $1,500 per eye
Pancreatitis Varies

Sources: petMD, Petplan, Pedigree, VetStreet

Want to learn more about your specific dog breed? Check out our detailed health profiles of the top 20 most popular small dog breeds.

Small Dog Breed
Bichon Frise
Boston Terrier
Cavalier King Charles Spaniel
Chinese Crested
Cocker Spaniel
French Bulldog
Jack Russell Terrier
Miniature Pinscher
Miniature Poodle
Miniature Schnauzer
Mixed Breed Dog
Pembroke Welsh Corgi
Pug Dog
Rat Terrier
Scottish Terrier
Shih Tzu
Silky Terrier
Toy Poodle
West Highland White Terrier
Yorkshire Terrier

Protect Your Pet Today


Related Content


Pet Insurance Providers and Reviews


Find Pet Insurance Locally


Breed Specific Medical Issues


Common Pet Health Problems


Get FREE Quotes! BBB Business Review

We’ve generated over 1 million quotes and sold thousands of plans.
About Us

Magruff's Story

“Our pet insurance plan saved us $4,300 when our dog Magruff needed hip surgery.” - Lou & Kim
Pet Insurance Reviews

Why Use Us?

  • Compare all 12 companies
  • Save 25% by comparing rates
  • Fast, free and 100% independent

See How We Can Help

Pet Insurance?

Pet insurance pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.

Learn More

Compare Plans & Prices From the Top Companies

Healthy Paws Pet Insurance ASPCA Petplan Pet Insurance Pets Best Insurance

Embrace Pet Insurance Nationwide Trupanion FIGO