The Best Dog Insurance Companies of 2019

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border collie with cone needing the best pet insurance for dogs

One in three pets in the U.S. will need emergency veterinary care each year. Fortunately, this care is improving year on year. More and more research and development has made it possible for our pets to receive excellent medical care. But this all comes at a price – hefty veterinary bills! Enter dog insurance!

Depending on your coverage options, insurance premiums can be between $ 25 and $ 70 per month for dog insurance. Having the right dog insurance policy can make all the difference when disaster strikes. Knowing that you can give your beloved hound all the vet care that they need is true peace of mind for pet parents.

There are So Many Dog Insurance Plans to Choose From!

When deciding on our human health insurance, we research and compare different policies, pay-outs, and benefits. Why would you go to any less trouble for your canine companion? Pet insurance is quite a new concept. However, it hasn’t taken long for a bunch of different companies to jump on the proverbial bandwagon. With all the different pet insurers and policies out there, how do you decide which one is the right one for you and your pooch?

What to Look for in the Best Pet Insurance Plan for Your Dog

There are several things to take into consideration when choosing a pet insurance plan for your four-legged friends:

  • How much coverage do you want? Only for surgeries and emergency care?
  • Or, would you want Fido’s insurance plan to cover checkups and preventative care too?
  • Are the insurance providers credible/ethical? Look into their track record.
  • Make sure that the policy you choose covers hereditary conditions common to your dog’s breed.
  • You will want a plan that allows you to choose your own veterinarian.
  • Do they cover pre-existing conditions such as hip dysplasia?

hurt golden retriever with the best dog insurance

Our Favorite Pet Health Insurance Companies of 2019

We are here to help you with this difficult decision. So we have listed a few of our favorite pet health insurance companies. What made us decide on these?

These companies offer plans that cover:

  • Accidents as well as illnesses.
  • Also, hospitalization, surgery, specialist care, and prescription medication.
  • They have policies that cover alternative treatments, diagnostic tests, and emergency care.
  • Most importantly, hereditary, congenital, and chronic conditions too.

Nationwide Pet Insurance

Nationwide has been insuring pets since 1982. It’s the first company to introduce pet insurance to the United States. Nationwide offers dog health insurance policies for illness, injury, and wellness care.

Healthy Paws Pet Insurance

The great thing about Healthy Paws Pet Insurance is that they have no maximum limits on payouts. Similarly, they have no per-incident caps, no annual caps, and no lifetime caps. Choose any licensed veterinarian and submit your claim with their handy app!

Embrace Pet Insurance

Embrace ranks as one of the highest U.S. pet insurance companies. They provide comprehensive insurance products and offer a diminishing deductible feature. In addition, Embrace allows pet parents to personalize the policy features to suit their needs.


The great thing about Petplan pet health insurance? They don’t discriminate because of your pet’s age. Cats and dogs from the age of 6 weeks and beyond may enroll with Petplan.

Petplan does not insure for preventive and routine visits. However, they do reimburse 100 % on exam fees for a sick visit! In addition, they do not need extra riders for coverage of chronic and hereditary conditions.

sick dog needing dog health insurance

ASPCA Pet Insurance

To make the reimbursement process simple and easy, ASPCA is an insurance company that has its very own app. Just take a picture of your vet bills, briefly describe your pet’s situation, and send it off with the app. In a short space of time, your reimbursement will be directly deposited into your bank account.

VPI Pet Insurance

Veterinary Pet Insurance is a Nationwide Insurance company. The monthly premium for their Whole Pet with Wellness plan is approximately $ 80 per month. The annual deductible is $ 100. Co-pay with Nationwide is no more than 10 %. Meanwhile, other companies may require a co-pay of 20 % or more.

Figo Pet Insurance rated Figo Pet Insurance as the best pet insurers for three years running! They have a very cool app with loads of helpful features:

  • Access to a vet any time of the day or night with their Live Vet 24/7 chat.
  • Set reminders to let you know when to de-worm, de-flea or vaccinate your doggo.
  • The A.I. claims assistant will help you submit claims quickly and easily.
  • And, the Figo Pet Cloud app connects you with all things pet related.

Pets Best Insurance

A vet founded Pets Best Insurance! If you choose Pets Best for your dog insurance, you automatically gain access to a 24/7 pet helpline.

Pets Best pride themselves on personalized service and fast claims. They also have a range of plans to suit your needs and budget. Choose what you want to be covered for, annual deductibles, and whether you would prefer 70, 80, or 90 % reimbursement.

Progressive Dog Health Insurance

Progressive Insurance has three different dog insurance plans to suit your needs and your budget. The most affordable Accident Only Plan covers accidental injuries only. The BestBenefit Accident and Illness Plan covers accidents and illnesses. No matter how serious your pooch’s injuries or illness, you’re covered. Great peace of mind! Their Wellness Routine Care Plan will help you pay for routine vet checks, vaccinations, and teeth cleaning.

Trupanion Pet Insurance

Dogs covered by Trupanion can visit any veterinarian, specialist, or emergency hospital in the U.S, Canada, or Puerto Rico! Trupanion has one simple plan that covers everything over and above routine and preventive checkups. For example, there are no payout limits. Your dog or cat receives unlimited insurance coverage for their entire lifetime!

While some insurance companies have a waiting period of six months before full coverage takes effect. Trupanion full cover comes into effect after only 30 days.

woman with vet bill thinking about the dog insurance cost

Pet Insurance Cost: Is Pet Insurance Really Worth It?

Is the cost of dog insurance worth it?

If having pet insurance means that your furry friend will have better vet care, we say yes! It’s not something that pet owners want to think about. But, what if your pooch is diagnosed with something that requires costly medical treatment? Having invested in dog insurance might mean the difference between a few extra months, maybe even years! Once again, the argument for dog insurance gets a resounding yihaa!

Common Questions About Dog Insurance

How does dog insurance work?

How much does dog insurance cost?

Can dog insurance cover all pet medical expenses?

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Disclosure: Bear in mind that some of the links in this post are affiliate links and if you go through them to make a purchase may earn a commission. Keep in mind that we link these companies and their products because of their quality and not because of the commission we receive from your purchases. The decision is yours, and whether or not you decide to buy something is completely up to you.