Best pet insurance for dogs


Overview of pet insurance for dogs

Pet health insurance can help cover veterinary costs in the event of unexpected accidents and illnesses. Pet insurance reimburses you for your veterinary bills when your dog becomes ill or injured. This can help provide you with the best treatment for your dog while protecting you from financial setbacks. The right pet insurance policy can give you peace of mind that your dog is being taken care of without being a financial burden.

How Much Does Pet Insurance for Dogs Typically Cost?

Average premiums cost between $20 and $50 per month. The cost of pet health insurance is based primarily on four factors:

  • Your dog’s age
  • Your dog’s breed
  • Your location
  • Your plan’s annual limit, annual deductible and reimbursement level

Accident only average premiums

  • Annual: $218.13
  • Monthly: $18.17

Average accident and sickness premiums

  • Annual: $594.15
  • Monthly: $49.51

Wellness coverage typically costs between $20 and $25 per month and is built into full coverage policies. For most pet owners, the cost of a wellness policy is what they would pay anyway, so it may not be worth getting a wellness plan. autonomous.

What is generally covered?

Different pet insurance companies offer different pet coverage options for dogs, so you may need to do some research to find the best health insurance for your dog. Depending on the plan, pet insurance policies may cover:


Accident coverage covers accident-related injuries and emergencies, such as torn ligaments, bites, cuts, fractures, swallowed objects, and toxic ingestions. It can also include a wide variety of accident-related services, such as x-rays, MRIs, ultrasounds, blood tests, sutures, medications, hospitalization and surgery.


Health coverage reimburses the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems and urinary tract infections (UTIs). It can also cover expenses ranging from diagnosing the condition to the treatments your dog needs to get better.


Prescription medications can help relieve pain, reduce inflammation, or fight infection. They can also cover medications to manage chronic conditions, such as thyroid problems. Many plans also cover prescription foods and supplements to help your dog with certain health conditions.

Other Common Hedging Services

Other common services that a pet insurance plan for dogs may cover are hereditary illnesses, congenital illnesses, chronic illnesses, emergency care, specialty care, alternative treatments, surgeries, wellness policies and much more. Each pet insurance company will offer different coverage options.

What is not covered?

Even the best pet insurance companies have exclusions, which are not included in your dog’s coverage. It is important to understand what they are to avoid any surprises. Here are the most common pet insurance exclusions for dogs.

Pre-existing conditions

Any medical condition suffered by a pet before the start of the policy is subject to exclusion. Some pet insurance companies look at the past 24 months or an animal’s entire life to establish pre-existing conditions. This also includes hereditary disorders. Some plans do not cover certain breeds due to the fact that they are predisposed to certain medical conditions.

Wellness care and preventive diseases

Most plans have a rider that provides preventative care. If not included, however, pet owners will have to pay for routine veterinary care out of pocket. If pets get sick because pet owners haven’t vaccinated their pets, the treatments likely won’t be covered.

Elective procedures

Most policies do not cover cosmetic surgeries or expenses not directly related to veterinary care. This typically covers tail docking, ear trimming, nail trimming, and cosmetic dental restoration for teeth such as veneers and crowns.

Bilateral conditions

A bilateral condition is a condition or disease that affects both sides of the body. If pets have a problem with parts of their knees, hips, and other conditions that can affect both sides of a pet’s body, they are not covered. Because a pet is at higher risk for the same condition on the other side of the body, if a pet has a pre-existing example of a bilateral condition, the other side is generally not covered. Some policies limit the condition to the first year only. So if problems arise after 12 months, then they will be covered.

Pregnancy and/or childbirth

Pet owners usually have to pay the costs related to pregnancy, breeding or birth.

Willful or negligent injury

Insurance companies will not cover deliberate injuries by a pet owner or anyone in the household. Injuries and illnesses caused by fighting, racing, cruelty or neglect are also not covered.

Waiting time

Most pet insurance policies have a traditional two-week waiting period. Some injuries, like bilateral issues, have other specific time periods.

How to choose the right insurance for your dog

There are many companies offering different pet insurance for your dog. As you research them, here are some important things to keep in mind.

Types of coverage

There are three types of pet insurance coverage: accident-only, accident and sickness, and wellness coverage. Each level determines the type of care your dog is covered for and the cost.

  • Accident Only (AO) Policies provide limited coverage. It does not cover most illnesses. It is less expensive than full coverage and is generally best for emergencies:
    • Accidents such as car accidents
    • Ingestion of foreign bodies (swallowed objects)
    • Lacerations
    • Poisoning
    • Ligament tears
  • Accident and Sickness (A&I) policies are also called “comprehensive” because they cover accidents as well as minor and major illnesses:
    • Accidents
    • injuries
    • Chronic illnesses (such as cancer, infections, and digestive issues)
    • infections
    • Diagnostic tests
    • Prescription drugs
    • Emergency care
  • Wellness policies cover routine and preventative care, such as annual exams, vaccinations and teeth cleaning. These policies tend to be addendums to A&I policies. If incorporated into an A&I policy, they may include:
    • Vaccination
    • Early detection diagnosis
    • Dental care
    • Consultations for good nutrition

Pet Insurance Plan Customizations

The cost of a plan will depend on various factors. Different pet insurance companies will offer additional endorsements that you can add to the policy. Here are more ways to customize your pet insurance plan for your dog.

  • Annual coverage limits Plans typically have an annual limit ranging from $5,000 to $20,000. Some plans offer even higher amounts, including unlimited coverage limits. However, these policies cost much more.
  • Refund percentage — Pet owners can customize the amount of reimbursement they receive for covered veterinary expenses. The most common repayment amounts range from 70% to 90%. Some insurers will cover up to 100% at a higher premium amount.
  • Annual deductible amounts — Pet owners can choose the annual deductible amounts. They can range from $100 to $1,000. The higher the deductible, the lower the premium amount.
  • Types of illnesses and accidents Many pet insurance companies allow pet owners to choose certain types of care. The most common include:
    • Diagnostic: Blood tests, X-rays, MRIs, CT scans and lab work
    • Procedures: Ambulatory, specialist and emergency care, hospitalization and surgery
    • Medication: Injections or prescription drugs

When looking for the best pet insurance for your dog, you need to look at the different costs and coverages. You need to choose an insurer who is experienced and knows what they are doing when it comes to pet insurance. Read reviews and research how long an insurer has been in business. Also research the insurer’s claims process to make sure it’s easy to submit a claim. The goal is to find an insurer that offers affordable options that provide the best level of coverage to meet your needs.


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