Dog Insurance

Dog chasing a tennis ball

What is Dog Insurance?

Dog insurance is health insurance for your dog. It covers unexpected vet bills from accident and illness.


What Does it Cover?

There are two primary coverage options you can choose from when shopping for a health insurance plan for your dog.


Accidents and Illness Coverage

Standard pet insurance for dogs covers unexpected vet costs due to accidents and illnesses.

Accidents Illnesses
X-Rays, Blood Tests, etc. Surgery
Hereditary Conditions Hospitalization
Congenital Conditions Prescription Medications
Chronic Conditions Emergency Care
Cancer Specialty Care
Diagnostic Treatment Alternative Treatment
x Pre-Existing Conditionsx Preventative Care


Pro Tip: Pet insurance does not cover pre-existing conditions so it’s important to enroll in a plan while your dog is healthy!


Wellness and Preventative Care Coverage

Dog wellness plans cover expected vet bills that you have planned over the course of your dog’s life. Some pet insurance companies offer wellness plans as an optional addition to your standard accident and illness coverage.

Annual Exams Blood Tests
Vaccinations Microchip
Health Certificate Behavioral Exam
Heartworm Tests Urine Tests
Deworming Fecal Test


Benefits of Dog Insurance

If pet insurance wasn’t worth the cost then it wouldn’t exist! There are over 1 million dogs insured in North America and the #1 reason dog owners purchase pet insurance is ‘peace of mind.’ Here are some other benefits of dog health insurance:

  • Allows you to make decisions about your dog’s health without worrying about money
  • You can take your dog to any licensed vet, clinic or hospital with no restrictions
  • Allows you to budget each month for unexpected health issues that might pop up

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 insurance coverage is worth the investment for you.

Learn More: Is Pet Insurance Worth It?


How Does it Work?

Let’s assume you have an active pup who likes to chase after tennis balls. One unfortunate but common accident that happens are torn knee ligaments, which can require TPLO surgery. Outcomes for TPLO surgery are great, but the average cost for a single knee is $6,000!

Here is how much you would get paid back if you had a dog insurance plan in place before your dog got hurt.


Simple Claim Example

$6,000    Total cost of treatment
 x 90%    Your reimbursement level
– $250     Annual deductible
$5,150    Total claim paid to you


Grateful for Healthy Paws

“This year we found out that our pup was going to need TPLO surgery for a torn ACL, a procedure that costs around $6,000 per leg. Healthy Paws was great, their reps were super supportive, and they even followed up with us after the claim was filed and completed.” more Healthy Paws reviews

Dig Deeper: Pet Insurance Reviews


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Let’s face it, 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.


Frequently Asked Questions


Is My Dog’s Breed Eligible for Coverage?

Yes! All dogs, all breeds in all states are eligible for pet insurance coverage. They key is to enroll while your dog is young and healthy because pet insurance does not cover pre-existing conditions and the cost is lower for younger dogs.

Find your dog’s breed


Can a Dog of Any Age Enroll in a Plan?

Any dog of any age can enroll in a pet insurance plan. However, most companies require your dog to be at least eight weeks old at the time of enrollment. Some companies also have age limits for specific coverage, so it’s important to compare plans and prices to ensure that your pup is fully covered.


How Much is Pet Insurance for a Dog?

According to the North American Pet Health Insurance Association, the average policy costs $43/month. Here are five factors that determine how much you will pay.

  1. Type of Pet You Have
  2. Where You Live
  3. Your Pet’s Age
  4. Company You Choose
  5. Coverage You Select

More Frequently Asked Questions


Interesting Facts

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.

  • According to the AVMA 67% of dog owners consider their pet a family member!
  • A pet receives emergency medical care every 2 ½ seconds
  • Every six seconds a pet owner is faced with a vet bill of more than $3,000
  • Two out of every three pets will experience a significant health problem during their lifetime
  • 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 Vet Costs

And this year alone, pet owners will spend over $16 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.

Learn More: Dog Health Conditions


Puppy Insurance

Puppy insurance helps pay for veterinary treatment when your dog gets sick or injured. It reimburses you for treatment of broken bones, swallowed socks and hereditary conditions. Basically any unexpected health issues that your puppy might encounter will be covered.


Why Enroll a Puppy?

The absolute BEST time to enroll in pet insurance is when your dog is young and healthy.

Here are the top reasons that enrolling in pet insurance while your dog is a puppy makes a whole lot of sense.

  • Pet insurance costs less the younger your pet is. Sing up early for lower rates!
  • Pre-existing conditions are not always covered. Enroll while your puppy is healthy.
  • Puppies are prone to accidents and ingesting items. Insurance provides peace of mind.

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Emergency Care is Expensive

Emergency veterinary care can cost thousands of dollars. Most dog owners don’t realize how expensive it costs until they’re faced with a bill or decision at a veterinary hospital. See a list of potential puppy health conditions here.


Benefits of Puppy Insurance

  • Make decisions about treatment without worrying about money
  • Enroll as a puppy and keep your dog covered for life
  • Protect yourself against unexpected veterinary emergencies

Customer Reviews

There are a lot of options out there and not all coverage is created equal. Making the right decision can be the difference from a great experience and terrible experience. If you’d like to start narrowing down your search check out our list of the top puppy insurance plans.

Dive Deeper: Dog Insurance Reviews


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The Cost of Owning a Puppy

Getting a new puppy is a big responsibility. It is also a significant financial responsibility.

According to Petco, the first year owning a puppy will cost $511 to $6,600. The range depends on the type of breed, where you live and whether or not your puppy has any health issues. From year two on the annual cost of puppy ownership ranges between $287 to $2,485.


Coverage for Older Dogs

As a dog ages, the need for veterinary care increases. Because your pet is a part of the family, you’ll naturally want to provide for any medical needs that may arise, but senior pet care can be costly.

Fortunately, insurance can help make medical care more affordable; however, pet insurance for senior dogs is complicated and may present challenges that are generally not a concern with younger animals.

Age does not necessarily preclude your pet from getting insured, and at, you can get quotes and compare plans so that you can find the best pet insurance for older dogs.

As the owner of an elderly dog, however, there are a few things that you should be aware of when considering the purchase of insurance.

While it is generally possible to get insurance for older pets, this may not be the case for dogs of a more advanced age. Buying pet insurance for dogs over nine years of age may prove difficult with some pet insurance companies, as they may have age limits in place.

These insurance companies will not enroll pets that are 10 to 12 years old or older. Ideally, you will want to already have pet insurance for dogs over nine years old and should avoid letting it lapse.

Age is one of the factors that impacts how much you will pay for pet insurance. The older the dog is, the higher your costs will be, as the risk of diseases and illnesses increases with age.

Regardless of the age of your pet when it is originally insured, the price of coverage will rise as it gets older by as much as 5 to 10 percent a year. The actual cost of the insurance will depend on which insurance company you’ve chosen.

This is one of the reasons why getting a price quote from is so important when it comes to picking the best pet insurance for older dogs.

When comparing plans, there are important considerations other than finding the cheapest pet insurance for older dogs. For instance, there are certain problems that may limit the specific coverage that you are able to obtain.

Pet insurance will not, for example, cover pre-existing conditions. This means if you are attempting to sign up for insurance after your pet has become ill or injured, the insurer will not pay any claims that are associated with that specific ailment.

In some cases, an insurance company may refuse to insure your pet at all. If your elderly dog has a congenital or hereditary condition, however, claims may be covered, depending on the insurance provider.

Although these do not fall under the umbrella of pre-existing conditions, you will want to verify that they are covered by the insurance company that you choose.

One way to determine if your pet has a pre-existing condition is to request a free veterinary review. This rules out any pre-existing conditions that you are unaware of and can help prevent expensive surprises later.

There are many reasons to trust when you need to buy pet insurance for old dogs. We are highly knowledgeable and the only licensed pet insurance agency in the United States.

As an independent company, we’ll give you the tools to compare plans and prices from the top insurance providers. Our services are simple to use, fast, and 100 percent free. Get a quote or contact us for more information today!


Top Recommendations for Older Dogs

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Coverage for 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

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