Compare Dog Insurance Policies | Best Pet Insurance

Trupanion US

Monthly cost varies due to multiple factors including: your pet’s breed, age at enrollment and gender and the chosen deductible and the cost of veterinary care in your area.

Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim. Premium changes over time are due to changes in the average cost of care for pets similar to yours based on claims made and inflation.

 

90% of eligible expenses are covered with all Trupanion policies (after deductible).

All plans cover:

  • Hereditary conditions (i.e. hip dysplasia, diabetes, etc.)
  • Congenital conditions (i.e. heart disease, cataracts, liver disease, etc.)
  • Unidentified conditions (i.e. vomiting/diarrhea, cough, change in weight, etc.)

Additional riders offer coverage for:

  • Recovery and Complementary Care (acupuncture, chiropractic, physical therapy, etc.)
  • Pet Owner Assistance (boarding costs if you are hospitalized, advertising a lost pet, etc.)

Plans do not cover:

  • Exam fees
  • Wellness, elective and cosmetic care
  • Taxes
  • Pre-existing conditions

Offers a flexible deductible from $0 – $1000, to fit any budget and can be raised or lowered at any time.

A lifetime, per condition deductible means that once the deductible is met for a condition your policy begins paying out at 90% for anything related to that condition for the rest of your pet’s life. *Trupanion say:”This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer”.

The Trupanion policy allows you to enroll your pet from birth until their 14th birthday.

Once enrolled, pets stay insured regardless of age and coverage will not change.

Get a quote nationwide

Policies start at approximately $12 per month.

Nationwide offers a variety of plans offering varying levels of coverage. 

The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees.

All Nationwide members have complimentary 24/7 access to vethelpline.

Annual deductibles range from $0 to $1,000.

Most popular annual deductible for Whole Pet with Wellness is $250.

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. 

Other plans may have age restrictions.

Get a quote Embrace

$13 – $100, depending on your chosen plan. 

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan.

The pay-out amount is based on your actual vet bill.

Annual deductible options from $100 – $1,000.

Pet must be at least 6 weeks old to enroll. 

New pets over 14 are eligible for accident-only coverage.

Once enrolled, pets can stay insured regardless of age. 

Get a quote Pets Best

$6 and up, depending on your chosen plan.

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. 

Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states).

Two optional Wellness plans to cover routine care. 

24/7 Pet Helpline, powered by whiskerDocs is included on all policies. 

The pay-out amount is based on your actual vet bill. 

$50 – $1,000 annually.

Pet must be at least 7 weeks old to enroll. 

Pets Best does not restrict coverage or availability for older pets.

Get a quote Healthy Paws Logo

$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more.

You can choose a co-pay of 10%, 20%, 30% or 40%.

The pay-out amount is based on your actual vet bill.

You can choose an annual deductible of $100, $250, $500 or $750*

*Choice depends on age of the pet

Pets must be at least 8 weeks old and under 14 years old at time of enrollment.

Once enrolled, pets can stay insured regardless of age.

Get a quote ASPCA Insurance

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

$100, $250 or $500 annually.

No upper age limits. Pets must be at least 8 weeks old to enroll.

Get a quote Petplan

Depends on your chosen plan.

You have a co-pay of 10%, 20% or 30% after your deductible.

The complete sick visit, including the exam fees, are covered. The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada, including ER and specialty hospitals.

Comprehensive non-routine dental coverage for oral disease and injuries, including periodontal disease, extractions, and advanced treatments such as root canal therapy are covered as standard in the policy with no dental condition limits. 

 

Alternative, holistic and homeopathic therapies are covered as standard on every policy at no extra cost, including acupuncture, physical therapy and hydrotherapy.

 

Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits for policies with a $15,000 or greater annual limit. 

 

Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.

 

No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.

 

Behavioral treatments, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling, are covered for policies with an annual limit of $15,000 or more.

Annual deductible from $250 to $1,000.

Per condition deductibles from $250 to $2,500 also available.

Pet must be at least 6 weeks old to enroll. 

No upper age limits for enrollments apply.

Get a quote Pet first

$16 – $100, depending on your chosen plan.

You have a co-pay of 10% – 30% after your deductible. 

The pay-out amount is based on your actual vet bill.

$50 – $500 per incident.

Pet must be at least 8 weeks old to enroll. 

No upper age limits apply.

Get a quote AKC Pet Insurance

$5 – $90 depending on coverage options chosen.

You have a co-pay of 20% after your annual deductible. 

The pay-out amount is based on your actual vet bill.

Choose from $100 – $1,000 annual deductible.

Pets must be at least 8 weeks old to enroll with no upper age limit. Coverage options available for senior pets.

Get a quote figo

$9 – $135, depending on your chosen plan.

You choose a reimbursement level of 70%, 80%, 90% or 100% after your deductible.   

The pay-out amount is based on your actual vet bill.

$100, $250, $500, $750, $1,000 or $1,500 annually. Deductibles offered depend on pet’s age and location.

Pet must be at least 8 weeks old to enroll.

No upper age limits apply.

Get a quote 24 Petwatch

$11 – over $100, depending on your chosen plan and other variables including but not limited to species, location, breed and age.

You have a co-pay of 20% after your annual deductible.

The pay-out amount is based on your actual vet bill.

$100 – $1,000 annually.

Pet must be at least 8 weeks old to enroll.

Dogs must be under 11 years to enroll and cats must be under 13 years old to enroll.

View Details Hartville Pet Insurance

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

$100, $250 or $500 annually.

No upper age limits. Pets must be at least 8 weeks old to enroll.

Get a quote PetPartners

$5 – $90 depending on coverage options chosen.

You have a co-pay of 20% after your annual deductible. 

The pay-out amount is based on your actual vet bill.

Choose from $100 – $1,000 annual deductible.

Pets must be at least 8 weeks old to enroll with no upper age limit

Coverage options available for senior pets.

 

Get a quote Prudent Pet Insurance Logo

Monthly rates start at $10 for Accident only and $16 for Accident & Illness coverage. Those rates vary based on species, age, breed as well as your location.

We cover based on the actual vet bill and have options for 90%, 80% or 70% reimbursement. 

Choose a deductible that works best for you and your family, we offer $100, $250 and $500 options.

We have no age limits, but your pet will need to be at least 8 weeks old to enroll.

View Details pet premium

$12 – $80, depending on your chosen plan.

Select either the Accidents Only Coverage or Total Coverage plan. Both plans have annual limit options of $2,500, $3,000, $4000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. You can also select a Reimbursement percentage of 70%, 80% or 90% and an Annual Deductible of either $100, $250 or $500.

The Total Coverage plan covers accidents and illnesses, hereditary and congenital conditions. Behavioral Treatments, as well as Alternative Therapies are covered.

The Accident Only Plan does have allowances for Alternative therapies.

Both plans offer a Wellness plan as an extra option.   

$100, $250 or $500 annually.

Pets must be at least 8 weeks old to enroll. There is no upper age limit.

View Details Spot Pet Insurance

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

$100, $250 or $500 annually.

No upper age limits. Pets must be at least 8 weeks old to enroll.

Get a quote

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