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Dog Insurance Overview



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.



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




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
Accidents
Illnesses
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.

Looking for Your Breed? 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.

New York Atlanta Los Angeles
 $46/mo. $41/mo. $43/mo.

Dig Deeper: 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.

Dig Deeper: 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

 

Harris and Mitchell

"A friend sent me a Facebook message about PetInsuranceQuotes.com so I decided to check it out. I'm sure like most pet owners I was aware of pet insurance but completely uneducated. I've seen the brochures in my vets office but never really considered it. If you've never had a major issues with your pet it can seem ridiculous, however my friend Paula, who sent me the link, has spent over $10,000 on her cocker spaniel..."

Read More

 

Georgie and Neil

"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 Petfinder.com and fell in love with his picture and his story. Georgie had all the proper shots and exams before we picked him up but we still took him to our regular veterinarian after picking him up..."

Read More

 

Gina and Barb

"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. We love taking him to the beach and on hikes through the mountains. In September Bart ran down a ravine during one of our hikes and suffered a severely broken leg. My husband had to carry him 2 miles to our car because he couldn't put any weight on the leg..."

Read More

 

Dino and Holley

"I made a claim for my dog Dino 2 weeks ago and just got a check yesterday, which prompted me to share how wonderful my experience has been with ASPCA pet health. Dino is a small, mixed breed with some terrier in him. He's a ball chaser and hasn't been a chewer until 2 weeks ago. Dino decided it was a good idea to chew through my son's shoelaces..."

Read More

 

Oscar and Claire

"Oscar has been my child since the day I picked him up at the shelter. I purchased a Nationwide policy for him because it had the broadest coverage and highest payout. Last month while Oscar and I were on one of our Saturday hikes he had a sever accident. He was running along a creek bed chasing squirrels and slipped on a rock tearing up his knee. He needed emergency care and scheduled surgery to repair the knee. The total bills were $4,200 and Nationwide paid 90% of the total. It was stressful enough worrying about Oscar and helping him recover. I can't imagine having to worry about how I was going to pay his medical bills..."

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

 

Labrador Retriever puppy Gus

Pictured: Gus and Melissa playing


Read More Stories: Pet Insurance Reviews

 

Protect Your Pet Today

 

Edited by: Nick Braun


Related Content

 

 
 
 

Common Pet Health Problems

 

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