Best Dog Insurance in USA

Providing your canine companion with the best care doesn’t just involve belly rubs and walks in the park. Unexpected vet bills can quickly become a financial strain, leaving you with tough decisions about your beloved pup’s well-being. That’s where dog insurance steps in, offering a safety net for unforeseen medical expenses. But with countless options available, navigating the world of dog insurance can feel overwhelming. Fear not, fellow dog lover! This guide will lead you through the key considerations and help you discover the best dog insurance in the USA for your furry friend’s unique needs and budget.

Best Dog Insurance in USA

We’ll explore top-rated companies, compare coverage options, and answer crucial questions to ensure you make an informed decision. So, grab your leash, metaphorically speaking, and let’s embark on this journey together to find the perfect insurance plan for your tail-wagging best friend!

Top 10 Dog Insurance Companies USA

Embrace Pet Insurance

Known for its comprehensive coverage, flexible plans, and excellent customer service, Embrace is a popular choice for many dog owners. They offer accident-only, accident & illness, and wellness plans, with various reimbursement levels and deductibles to fit your budget. Embrace also boasts a 9.6 out of 10 rating on Trustpilot, indicating satisfied customers.

Pets Best

Pets Best shines with its customizable plans and wide range of coverage options, including accident-only, accident & illness, and wellness plans. They cater to various breeds and ages, even offering lifetime coverage for some plans. With a 9.3 rating on Trustpilot, Pets Best is another solid contender.

ASPCA Pet Health Insurance

Backed by the American Society for the Prevention of Cruelty to Animals (ASPCA), this company offers accident-only, accident & illness, and wellness plans. They stand out for their commitment to supporting animal welfare, donating a portion of each policy’s premium to the ASPCA. Their Trustpilot rating sits at 8.3.

Nationwide Pet Insurance

Nationwide offers accident-only, accident & illness, and wellness plans, with coverage for even exotic pets like rabbits and birds. They boast a broad network of veterinarians and have a decent rating of 8.0 on Trustpilot.

Healthy Paws Pet Insurance

Known for its straightforward accident & and illness plans with no deductibles, Healthy Paws is a favorite for those seeking simplicity. They offer unlimited annual payouts and a 9.4 rating on Trustpilot, indicating exceptional customer service.

MetLife Pet Insurance

MetLife provides accident-only, accident & illness, and wellness plans, with various customization options. They are known for their competitive rates and have a rating of 8.3 on Trustpilot.

Spot Pet Insurance

Spot offers accident-only and accident & illness plans with straightforward coverage and competitive pricing. They are known for their user-friendly app and have a rating of 8.1 on Trustpilot.

Lemonade Pet Insurance

Lemonade is a newcomer in the pet insurance space, offering accident-only and accident & illness plans with customizable add-ons and a transparent, flat-fee structure. While they lack a long track record, their innovative approach and 9.0 rating on Trustpilot are promising.

Figo Pet Insurance

Figo specializes in cat insurance but also offers accident-only and accident & illness plans for dogs. They are known for their focus on preventative care and have a rating of 8.6 on Trustpilot.

Prudent Pet Insurance

Prudent Pet offers accident-only and accident & illness plans with various deductible and reimbursement options. They cater to a wide range of breeds and ages, and their Trustpilot rating is 8.2.

Factors to Consider


What type of coverage do you need?

  • Accident-only: This covers unexpected injuries like broken bones or swallowed objects.
  • Accident & illness: This covers accidents and also illnesses like cancer or diabetes.
  • Wellness: This covers preventative care like vaccinations, spaying/neutering, and dental cleanings.

Reimbursement level

How much of the vet bill will the insurance cover?

Reimbursement levels typically range from 50% to 90%, with higher levels costing more in premiums.


How much will you pay upfront before the insurance kicks in? Deductibles can be annual or per-incident, and higher deductibles will lower your premium.


Some breeds are predisposed to certain health conditions, which can affect your premium.


Older dogs are more likely to have health problems, so premiums will be higher.


Vet costs can vary depending on your location, so factor that into your comparison.


Does the insurance company have a network of veterinarians you can use for discounted rates?

Customer service

What is the company’s reputation for handling claims and providing support?

Benefits of dog insurance

Financial Security

  • Reduced Stress: Knowing the insurance will cover a significant portion of vet bills allows you to focus on your dog’s health and well-being instead of worrying about the cost.
  • Peace of Mind: Unexpected illnesses or accidents can be expensive. Insurance helps avoid difficult financial decisions and allows you to prioritize your dog’s best care without breaking the bank.
  • Ability to Afford Advanced Treatments: Without financial constraints, you can explore potentially life-saving or life-enhancing treatments for your dog, regardless of their cost.

Improved Pet Care:

  • Early Detection and Treatment: With insurance covering diagnostics and treatment costs, you’re more likely to seek veterinary care sooner, leading to earlier diagnoses and potentially better outcomes for your dog.
  • Preventive Care Coverage: Some plans cover routine checkups, vaccinations, and even dental cleanings, promoting preventative measures for overall health and potentially reducing future costs.
  • Better Quality of Life: By allowing you to afford the recommended treatments, insurance can improve your dog’s quality of life and overall well-being.

Additional Benefits:

  • Multiple Plan Options: Choose coverage that fits your budget and needs, from accident-only plans to comprehensive accident & illness coverage with wellness add-ons.
  • Breeds and Ages Covered: Most companies offer plans for various breeds and ages, catering to your specific pet.
  • Network Discounts: Some insurers offer discounts at partnered vet clinics, further reducing costs.

How to claim dog insurance

Claiming dog insurance can vary slightly depending on your specific insurance provider and the specifics of your claim, but here’s a general outline of the process:

Before initiating a claim:

  • Review your policy: Ensure you understand your coverage details, including deductibles, reimbursements, and exclusions. Some policies may require pre-approval for certain procedures.

Gather documentation: Keep receipts for all veterinary bills, prescriptions, and medical reports related to the covered condition.

Contact your insurance provider: Most companies have dedicated claim lines or online claim filing options. Inform them of the situation and your intent to file a claim.

Filing the claim:

  1. Follow your provider’s instructions: They will likely ask you to submit a claim form, supporting documentation, and any required veterinary reports.
  2. Be thorough and accurate: Fill out the forms completely and provide all necessary information to avoid delays.
  3. Communicate promptly: Respond to any questions or requests for additional information from your provider promptly.

Claim processing:

  1. Review and processing: Your provider will review your claim and documentation to determine coverage and reimbursement amount.
  2. Deductible payment: You’ll usually be responsible for paying the deductible upfront before receiving any reimbursement.
  3. Reimbursement: Depending on your policy, you may be reimbursed directly to the veterinarian or receive a check after claim approval.