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9 Best Pet Insurance Plans For Dogs 2024

By: Kelli Brinegar

Kelli Brinegar

For more than five years, Kelli Brinegar has been using her ability to write and her passion for research to tell the tale of what cats are thinking and why. She has provided care to more than 30 cats in her lifetime.Read more
| January 3, 2024

Reviewed by: Dr. Theresa Fossum

Reviewed by:

Dr. Theresa Fossum

Meet Dr. Theresa (Terry) W. Fossum, DVM, MS. Ph.D., Diplomate ACVS – a remarkable animal lover whose passion for animal care and innovative solutions has left an indelible mark on the veterinary world. As the CEO of both Phoenix Animal Wellness and Epic Veterinary Specialists, she's ensuring dogs and cats receive the highest level of care and compassion.Read more
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Choosing the best pet insurance for dogs is one of those tasks that feels like a monumental chore when really selecting a plan is an easy task. So, why wait when pet insurance plays such an essential part in keeping your dog feeling their healthiest and happiest. Plus, insurance for your dog helps to keep your wallet in a healthier state of full! When the vet bills are covered, you can focus on your pup’s care instead of stressing over how to pay.

Paying a low monthly premium for pet insurance is worth it when compared to dropping thousands of dollars to pay emergency vet bills. And in this day and age of stretched budgets and rising prices, unexpected bills can build a quick road to financial ruin. So, save your bank account and give your dog a better chance of surviving the unexpected by choosing a pet insurance plan for your dog today!

best pet insurance for dogs

The 9 Best Pet Insurance Companies for Dogs

Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Pets Best
Company
Company
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Pets Best
Annual Coverage
Annual Coverage
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
$5,000 or Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
No
No
Yes
No
Yes
Yes
No
Yes
What They Do Best
What They Do Best
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
Best for plan customization
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
4.3 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
No
No
No
No
Yes
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
$35.81 per month
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
90%, 80%, or 70%
Annual Deductible
Annual Deductible
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
$50, $100, $200, $250, $500, or $1,000
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote

#1 – Lemonade Pet Insurance

Best Value

Maximum Annual Coverage - Up to $100,000

Reimbursement Options - 90%, 80% or 70%

Annual Deductible Options - $100, $250, or $500

Wellness Plan Option - Yes

Multi-Pet Discount- Yes

Compare Quotes

Lemonade makes our list of the best insurance for dogs because they’ve created a hassle-free insurance experience built for the 21st century. When you download the Lemonade app or visit their website, you can sign up in seconds and cover your dog with a plan tailored to your needs and budget. And with a choice of coverage caps that runs up to $100,000, you can create a budget-friendly dog insurance plan while creating financial peace of mind.

Unlike other insurance companies, Lemonade is insurance driven by social good. Lemonade donates unclaimed premiums to charities chosen by policyholders, including to several animal rights causes.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $20.00 per month

Use this link to take advantage of the best possible price. No promo code needed.

#2 – Embrace Pet Insurance

Best for Superior Benefits

Maximum Annual Coverage - $5,000 - $30,000

Reimbursement Options - 90%, 80%, or 70%

Annual Deductible Options - $200, $300, $500, $750, or $1,000

Wellness Plan Option - Yes

Multi-Pet Discount- Yes

Compare Quotes

Embrace allows you to choose annual coverage maximums between $5,000 – $30,000.  Coverage for exam fees will also bring you average savings of $50-$250 every time you visit the vet. And having a healthy pup earns you discounts with Embrace because every year your dog makes it without insurance reimbursement, you’ll get $50 off your deductible. Pre-existing conditions that prove curable are eligible for coverage after twelve months of your dog being symptom and treatment free.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $42.35 per month

#3 – Many Pets

Covers Curable Pre-Existing Conditions

Maximum Annual Coverage - Unlimited

Reimbursement Options - 90%, 80%, or 70%

Annual Deductible Options - $100, $250, or $500

Wellness Plan Option - Yes

Multi-Pet Discount- No

Compare Quotes

With Many Pets, you can visit any licensed veterinarian, and there are no caps on payouts, copays, or care. Bloodwork, lab work, imaging scans, medications, surgery, in-office procedures, and hospitalizations, including emergency care, are all covered with Many Pets. And unlike many of their competitors, they cover curable pre-existing conditions once your dog has been free of symptoms and without treatment for eighteen months, excluding cruciate ligament injuries or hip dysplasia.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example – $30.00 per month

#4 – Trupanion Pet Insurance

Best For Paying Claims Directly to Veterinarian

Maximum Annual Coverage - Unlimited 

Reimbursement Options - 90%

Annual Deductible Options - $0 to $1,000

Wellness Plan Option - No

Multi-Pet Discount- No

Compare Quotes

Trupanion gives you control by eliminating confusing deductibles and letting you choose the percentage of the covered costs. While they don’t cover exam fees, preventative care, or pre-existing conditions, they do cover expenses such as diagnostics, surgery, advanced dentistry, medications, supplements, rehabilitation, and more. Your policy with Trupanion will see you reimbursed for 90% of veterinary costs from illness and injury. And you can take your pup to any veterinary, emergency care, or specialty hospital in the US, Canada, Puerto Rico, and Australia, including US and Canadian military installations. Coverage is open to all dogs and cats from birth to 14 years of age, regardless of breed.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $68.25 per month

#5 – Prudent Pet

Best Customer Reviews

Maximum Annual Coverage - $10,000 to Unlimited 

Reimbursement Options - 90%, 80%, or 70%

Annual Deductible Options - $100, $250, $500, or $1,000

Wellness Plan Option - Yes

Multi-Pet Discount- Yes

Compare Quotes

Choose from an array of plan types, including Accident Only, Essential for injuries or illness, or Ultimate for illness and injury with unlimited annual benefits. Plans also cover hereditary and congenital conditions, dental disease, and destructive behavioral issues. And Prudent Pet never denies coverage to dogs based on their age or breed. You can also chat with a veterinarian 24/7 when you’re part of the Prudent Pet family. Plus, they offer a 30-day money-back guarantee.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $73.46 per month

#6 – Healthy Paws Pet Insurance

Best for Paying Claims Fast

Maximum Annual Coverage - Unlimited 

Reimbursement Options - 90%, 80%, 70%, 60%, or 50%

Annual Deductible Options - $100, $250, $500, $750, or $1,000

Wellness Plan Option - No

Multi-Pet Discount- No

Compare Quotes

Healthy Paws’ top-rated pet insurance plans for dogs cover accidents, illnesses, cancer, emergency care, genetic and hereditary conditions, breed-specific conditions, and alternative care. With five options in deductible and reimbursement amounts, you can tailor policy costs to your budget with no problems. And with no caps on annual coverage and lifetime payouts, this best pet insurance for dogs option casts off worry over big bills while letting your pup stay with the doctor they know. Healthy Paws allows the use of any licensed veterinarian.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $26.25 per month

#7 – Pets Best

Best for Plan Customization

Maximum Annual Coverage - $5,000 or Unlimited 

Reimbursement Options - 90%, 80%, 70%

Annual Deductible Options - $50, $100, $200, $250, $500, or $1,000

Wellness Plan Option - Yes

Multi-Pet Discount- Yes

Compare Quotes

Pets Best offers plans that cover accidents, illnesses, cancer, emergency care, and chronic, hereditary, and congenital conditions. And because their plans allow flexibility with customizable annual limits, annual deductibles, and 70, 80, or 90% reimbursement options, you can cover your pup’s medical bills while keeping your monthly rate low. They even offer a deductible option that’s only fifty dollars, and this ability to play with coverage options gives Pets Best an edge in the field, making them one of the best pet insurance options for dogs.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $35.81 per month

#8 – FIGO Pet Insurance

Shortest Waiting Periods

Maximum Annual Coverage - $5,000 or Unlimited 

Reimbursement Options - 100%, 90%, 80%, or 70%

Annual Deductible Options - $100, $250, $500, or $750

Wellness Plan Option - Yes

Multi-Pet Discount- Yes

Compare Quotes

One of the best pet insurance companies on the market, FIGO offers plans that cover common illnesses, accidents, emergencies, cancer, hereditary and congenital disorders, chronic conditions, and so much more. And with a choice of $5,000 or an unlimited amount for the maximum annual coverage amount, you have the power to create a plan that fits your pup’s medical needs and your budget. And a range of deductible and reimbursement options lets you decide what you want to pay out of pocket or how much you’d like to get back from your claims. FIGO also covers pre-existing conditions considered curable if your dog shows no signs or symptoms within 12 months of treatment.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $69.30 per month

Related: Best Pet Prescription Discount Cards

#9 – Wagmo Pet Insurance

Fastest Claims Process

Maximum Annual Coverage - Unlimited 

Reimbursement Options - 100%, 90%

Annual Deductible Options - $250, $500, or $1,000

Wellness Plan Option - Yes

Multi-Pet Discount- Yes

Compare Quotes

Wagmo offers a hassle-free digital experience for dog parents looking for affordable pet insurance that covers accidents and illness, plus the emergency and catastrophic care needed to treat them. And with flexible deductible options and reimbursement levels of ninety or one hundred present, you can mix and match to build your perfect package. Plus, their dog insurance plans start as low as $13 a month. In addition to covering the usuals like emergency care, imaging, cancer treatments, and hereditary and congenital conditions, Wagmo also includes coverage for prescriptions, pet ambulances, and even hip dysplasia.

Sample pet insurance plan rate for a one-year-old male medium mixed breed dog using the zip code 75001 (Texas) as an example: $15.00 per month

best pet insurance for dogs

The Best Pet Insurance for Dogs Is Just A Click Away

So, who’s the best pet insurance company for dogs? The answer depends on your furry friend’s needs and your budget, but surely, you’ll find the right choice for your dog’s health coverage on our list. Any of these nine companies offers a solid reputation, excellent customer care, and flexible plans to help you easily cover the vet bills.

And now that you’ve done your research, it’s time to compare the quotes. Use our handy tool to find out how much pet insurance for your dog will cost!

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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