Choosing the Best Dog Insurance Plan

dog insurance plan

As a dog owner, ensuring your furry friend’s health and well-being should be one of your top priorities. However, veterinary care can be extremely expensive. An unexpected medical issue or injury could end up costing thousands of dollars. That’s where dog insurance plan comes in. By having insurance for your dog, you’ll have financial protection if your dog ever needs veterinary treatment.

In this comprehensive guide, we’ll explore the different types of dog insurance plans available and what each covers. We’ll also discuss important factors to consider when choosing insurance, like reimbursement levels, exclusions, routine care coverage, and more. By the end, you’ll have a solid understanding of your dog insurance options so you can pick the best plan for your pet’s needs.

Types of Dog Insurance Plans

There are a few main types of dog insurance plans for you to choose from. Understanding the differences between each will help narrow down which option is the best fit.

Accident and Illness Plans

Accident and illness insurance plans provide the most comprehensive coverage. These plans cover diagnostics, treatment and medications for both accidents and illnesses. Common conditions covered include things like cancer treatment, hip dysplasia surgery, torn ligaments/tendons from an injury, etc.


Plans may vary in their reimbursement levels. Look for a plan that reimburses 70-90% of vet bills after deductibles are met. Higher reimbursement rates are ideal, but also mean higher premium costs.

Accident-Only Plans

Accident-only plans are more limited in scope than accident and illness policies. They only cover treatment and costs associated with accidental injuries, not illnesses. Things like broken bones from falls or lacerations from a car accident would be covered.

These plans tend to have lower monthly premiums than comprehensive plans. However, common illnesses won’t be covered at all. So weigh the potential savings versus risk.

Routine Care or Wellness Plans

A routine care or wellness plan primarily focuses on covering the cost of annual exams, vaccinations, heartworm/flea preventatives, spay/neuter, and dental cleanings. They offer a fixed cost reimbursement for certain procedures each year or payment period.

These plans may also provide a smaller reimbursement for unexpected accidents or illnesses on top of routine coverage. But major medical issues typically wouldn’t be fully covered.

Additional Factors to Consider in dog insurance plan

Beyond type of coverage, there are other important elements to compare across dog insurance policies:

Age Limits

Many plans won’t cover pre-existing conditions. Make sure your pup is young enough to qualify based on the plan’s age limits. Opt for policies that cover dogs from 8 weeks up through their senior years.

Annual or Lifetime Limits

Check if there is an annual limit to claim reimbursements or an overall lifetime limit. Unlimited coverage is ideal to have financial protection long-term.


Deductibles are the amount you pay per condition before the insurance kicks in. Choose a deductible you’re comfortable meeting out-of-pocket initially, like $250-500.

Reimbursement Levels

As mentioned, look for policies that reimburse 70-90% of costs after deductibles. Ensure you understand exactly what is and isn’t covered too.


Common exclusions include pre-existing conditions, cruciate ligament tears, hip dysplasia, and dental issues. Make exclusions don’t leave your pup vulnerable if they apply.


Routine Care Coverage

Check the annual allowance and procedures included, as mentioned for wellness plans. Maximize routine care coverage if it’s important to your budget.

Vaccinations Coverage

Make sure core vaccinations your pup requires by law are covered under the plan.

Additional Perks

Some policies offer add-ons like pain medication coverage, third opinion referrals, or wellness discounts that sweeten the value.

Popular Dog Insurance plan Companies

Now that you understand the different types of plans and factors to weigh, here’s a overview of some top-rated dog insurance providers to consider:

Healthy Paws

Healthy Paws is one of the most recommended companies. They are known for their high reimbursement rates of 90% with no annual or lifetime limits. Exclusions are minimal too. Premiums may be higher than average though.


Trupanion’s accident and illness plans have no annual limits or controversial exclusions like hip dysplasia. Policies can transition with your pup if you move. Premiums are mid-range in cost.

ASPCA Pet Health Insurance

ASPCA insurance is an affordable option with comprehensive accident and illness coverage. Premiums are reasonable and they offer wellness discounts and preventative care reimbursement too.


PetPlan offers both accident-only and comprehensive plans. They are one of the few that will cover cruciate ligament injuries. Premiums are lower cost than some competitors.


Figo provides flexible month-to-month policies so you aren’t locked in. Customizable reimbursement levels allow you to pick a budget-friendly price point. Coverage is less extensive than other top picks though.

Pets Best

Pets Best has affordable premiums and covers newer conditions other insurers may not. Their claim process is very simple. However, some pet owners have reported customer service issues.

Making Your Selection

To choose the right dog insurance plan:

  • Determine your budget – Estimate potential vet costs and how much coverage you need.
  • Consider your dog’s health – Look at any pre-existing conditions or breed-related issues.
  • Research company reviews – Read about customer service and claims experiences.
  • Compare multiple quotes – Get customized rates from different insurers.
  • Read policy details closely – Ensure coverages meet your needs and protect against exclusions.
  • Ask about discounts – Inquire if multi-pet or wellness discounts are available.
  • Purchase early – Sign up when young for lifetime protection and lower rates.

With diligent research, you can pick an insurance plan that provides the coverage you require at a cost that fits your budget. Having protection in place is worth easing potential financial stress over vet bills down the road. Your loyal furry companion deserves the best care possible – insurance helps give you peace of mind they’ll receive it.


Choosing dog insurance is an important decision as a pet owner. By taking the time to understand your various options and coverage needs, you can select a plan tailored for your pup. Accident and illness coverage gives the broadest scope, while wellness or accident-only plans have different merits too. Be sure to compare factors like reimbursement rates, deductibles, exclusions, and price across leading insurance providers. Get multiple quotes so you aren’t overpaying.


Whether you go with Healthy Paws, Trupanion, ASPCA or another top-rated company, having pet insurance sets you and your four-legged friend up for financial protection. It lets you give your dog the veterinary care they require without issue. At the end of the day, knowing your furry pal has coverage that supports their lifelong health and happiness is so important as their loving owner. We hope this guide has equipped you with the knowledge to choose the ideal dog insurance plan for your situation. Let’s keep those puppy smiles smiling!