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Top Dog Insurance Companies Buying Guide: 2022 Edition

More than 80 million US households own at least one pet — in most cases, a dog. A routine visit to the vet can cost anywhere between $500 to $5000. Emergency visits can be exceedingly steep in comparison to general visits.

There is no denying that veterinary treatments can be expensive and can put a huge financial burden on pet owners.

That’s why every pet owner must invest in pet insurance. But which insurance should you choose? This list takes an analytical look at the top 10 best dog insurance companies of 2022.

To choose the best one for your dog, give this buying guide from The Upper Pawside a thorough read.

ASPCA Pet Insurance Logo

ASPCA Pet Insurance

Best For: Multiple Pets

Starting Price: $150 per year

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Overview

American Society for the Prevention of Cruelty to Animals, a.k.a ASPCA, was founded in 1886. Since 2006, ASPCA came together with Hartville Pet Insurance to offer insurance policies to pet owners. With more than 1 million members, ASPCA is one of the largest insurance establishments in the world.

ASPCA prides itself in offering simple to understand, customizable, and budget-friendly insurance policies for your dogs.

Pros

  • Highly customizable and flexible plans.
  • Choose annual limits, deductible, and reimbursement rates as per preference.
  • Guaranteed full refund (where applicable) within 30 days.
  • Extra 10% off for every additional pet enrolled.
  • Covers pre-existing conditions that go symptom-free for 180 days.
  • Works with any licensed vet operating in the US.
  • You can choose for complete coverage or accident-only coverage but add on preventive care if need be.
  • 24×7 telehealth line for pets.

Cons

  • Cannot make any alterations to the plan you’ve chosen before the next term begins.
  • Deductible options are limited up to $500.
  • No unlimited coverage policy. The maximum annual coverage you can get is $10,000.

Available Plans

ASPCA offers two plans — an accidents-only plan, and a full-coverage plan. You can purchase a Preventive Care package for an additional fee.

Plan Pricing

The annual limit for the most affordable plan is $3000, while for the most expensive plan, the limit is $10000.

Waiting Period

For accident-only coverage, there is a waiting period of 14 days.

Verdict

If you have multiple dogs (or other pets) in your household, then look no further than ASPCA. It offers some of the best deals and discounts on customizable insurance policies. They provide top-notch services and leave no customer unattended, which is a bonus.

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Pet First Pet Insurance logo

PetFirst Pet Insurance

Best For: Regular Checkups

Starting Price: $125 per year

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Overview

PetFirst Pet Insurance began its humble journey in Indiana. But soon it catapulted itself to become a name to reckon with. So much so that MetLife acquired PetFirst in 2020. The insurance company currently provides some of the best services and holds an impressive portfolio.

Pros

  • Customizable plans with adjustable deductibles and reimbursements.
  • Applicable with any licensed vet all over the US.
  • 10-day guaranteed processing time for claims
  • One of the shortest waiting periods for accident and illness coverage.
  • Family program for multiple pets at heavily discounted rates.
  • Additional 10% discount for those who work in animal welfare.
  • Experienced insurance service provider with a robust network
  • Economical policies

Cons

  • Restricted coverage limit.
  • No coverage for pre-existing conditions.
  • For accident-related expenses, you need to pay a deductible every time you use the insurance.

Available Plans

You can take your pick from an accident and illness plan, or a wellness plan. Each plan offers a different set of benefits and exclusions.

Plan Pricing

The base price of insurance policies for dogs is $15.

Waiting Period

There is no waiting period for accidents. However, for illnesses, you have to wait for a maximum of 15 days before using the policy.

Verdict

If you’re looking for an insurance policy that covers the basics, PetFirst Pet Insurance is the one for you. It offers the best possible services at very affordable rates. The policy will take care of your dog’s regular vet visits without burning a hole in your pocket.

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logo of Progressive Pet Insurance

Progressive Pet Insurance

Best For: Value for Money

Starting Price: $72 per year

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Overview

Progressive Pet Insurance is a comprehensive yet affordable pet policy provider. The company offers its policies through its partnership with Pets Best. Progressive Pet Insurance is highly customizable and very pocket friendly. It works with any licensed vet in the US and Canada.

Pros

  • Cost-effective, with plans starting at as low as $1
  • You pay only one yearly deductible.
  • Unlimited annual coverage for accident and illness plans.
  • Fast claim processing, you get the money  directly reimbursed to your bank account.
  • You can take your pick from premium monthly, quarterly, or annual payment plans.
  • You can enroll even senior pets.

Cons

  • No coverage for behavioral treatments.
  • Not flexibility in annual limits.
  • No coverage for pre-existing conditions.

Available Plans

Progressive Pet Insurance offers three different types of plans: an accident only plan, the BestBenefit plan for both accidents and illnesses, and BestWellness/ EssentialWellness plans for routine care.

Plan Pricing

The cheapest plan for dogs starts at $9.

Waiting Period

There is a waiting period of 3 days for accidents and injuries. For illnesses, the waiting period goes up to 14 days.

Verdict

If you are looking for a pet insurance plan that offers value for money, Progressive Pet Insurance is your best bet. It is incredibly affordable and offers some of the most comprehensive, and well-curated benefits.

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embrace pet insurance

Embrace Pet Insurance

Best For: Large Breed Dogs

Starting Price: $145 per year

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Overview

Even before it sold its first-ever insurance policy in 2006, Embrace Pet Insurance won the Wharton Business Plan competition in 2003. For good reason, it is one of the very best on this list. Currently, Embrace Pet Insurance partners with Geico to offer some of the best pet insurance policies in the market.

Pros

  • Policies are flexible – you can customize the plans to suit your budget.
  • If you don’t file a claim for 365 days, your annual deductible decreases by $50.
  • They provide upto 90% money back guarantee.
  • You can access their 24×7 pet healthline.
  • They conduct a comprehensive evaluation of your pet’s health. They provide coverage for curable pre-existing conditions that go symptom free for 12 months.

Cons

  • There is a restricted deductibles limit. While $200 is the lowest, $30000 is the highest.
  • There is a waiting period of 6 months if your dog undergoes orthopaedic treatment.

Available Plans

Embrace offers two plans to choose from— an accident and illness coverage plan, and an accident-only coverage plan.

Plan Pricing

The basic plans for dogs start at $12.

Waiting Period

There is a 2 day waiting period for accidents and a 14 day waiting period on illnesses. You cannot fast track the process.

Verdict

If you’re struggling to find a good insurance policy for your large breed dog, Embrace is the policy provider to go for. Their plans are extensively customizable, there is no room for error. There is something for every budget and every need.

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logo of FIGO

Figo Pet Insurance

Best For: Best for All-Round Care

Starting Price: $92 per year

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Overview

Founded by Rusty Sproat in 2013, Figo is Chicago-based pet care company that offers a range of bespoke insurance plans and policies for dog owners. The company claims its policies are “made by pet people, for pet people”. Apart from insurance, Figo has an app that connects you with other pet owners.

Pros

  • Get 24*7 access to an exclusive Figo cloud app where you can reach out to experts, any time of the day.
  • No upper age limit is applicable on pets.
  • You get a 30-day money back guarantee.
  • You get coverage for pre-existing conditions that have not shown symptoms for 12 months after last treatment.
  • Super fast claim processing in less than 3 days.

Cons

  • You won’t get any coverage for the cost of examination fees.
  • There is no coverage for wellness plans.

Available Plans

There are three plans to choose from — an Essential plan, a Preferred plan, and an Ultimate plan. Each plan comes with its benefits and drawbacks.

Plan Pricing

For an average-sized dog, the base plan starts at $22. You can customize each plan by tweaking the reimbursement, deductibles, and annual coverage limit.

Waiting Period

There is a waiting period of 1 day for injuries, while illnesses have a waiting period of 14 days.

Verdict

Figo is the quintessential dog insurance brand that you should reach out to if you want all-around pet care. There are a plethora of policy options to choose from. You will find something that is tailor-made to suit your needs.

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logo of Geico

Geico Pet Insurance

Best For: Budget-Friendly Personalization

Starting Price: $1

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Overview

What started as an auto insurance provider, has now become one of the best, leading pet insurance providers. Geico was established in 1936, and over the period, it has introduced some amazing pet insurance policies that are a value for the price.

Pros

  • You have the option of getting up to 90% of your vet bill reimbursed.
  • Get up to a 10% discount on your premiums if you enroll multiple pets at once.
  • The plans are highly customizable and you can always find something that fits your budget.

Cons

  • Does not cover pre-existing conditions.
  • Unlimited coverage on annual limits is not provided.

Available Plans

Geico offers only one plan to its customers which can be customized keeping different factors in mind.

Plan Pricing

The starting price of the plan can be as low as $1. It all depends on how you choose to customize it.

Waiting Period

A waiting period of 2 days applies to accidents. A waiting period of 14 days applies to illnesses.

Verdict

If you have a shoestring budget but seek the best insurance plan for your pets that will cover most of their medical expenses and take the financial load off your chest, Geico should be your preferred choice of company.

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24PetWatch Pet Insurance

24PetWatch Pet Insurance

Best For: Chronic Conditions

Starting Price: $340 per year

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Overview

24PetWatch Pet was established as a subsidiary of PetHealth in 2003. Several years down the line, 24PetWatch has successfully enrolled more than 10000 pets into their program and is a go-to brand for people across the United States of America and Canada.

Pros

  • Most licensed vets are a part of 24PetWatch Pet’s network.
  • Boarding fees and trip cancellation fees are covered by the company.
  • Covers the cost of treatment of hip dysplasia in dogs.

Cons

  • Dogs only till the age of 10 and cats only till the age of 12 can be enrolled in the program.
  • The premiums are expensive in comparison to what is offered by other insurance companies in the market.

Available Plans

24PetWatch differs from other pet insurance plans by providing 4 fixed plan structures that cannot be tweaked or altered. Each plan comes with a separate, but fixed annual limit and reimbursement rate. The four plans are namely, Extra, Classic, Super, and Champion.

Plan Pricing

The plans are relatively expensive with fixed annual limits starting from $3000 being the cheapest to $20000 is the most expensive limit offered.

Waiting Period

No waiting period for injuries due to accidents are applicable. For illness coverage, a waiting period of 14 days is a must.

Verdict

Truth be told, if you are under a tight budget, you might find better policies than 24PetWatch that will be inexpensive and more flexible with their plans and structures. However, if your pet is prone to acquiring chronic diseases and infections, 24PetWatch provides the best coverage.

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logo of USAA

USAA Pet Insurance

Best For: Coverage Offered

Starting Price: $68 per year

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Overview

USAA was established in 1922 by 25 army officials who wanted to set an insurance fund for their vehicles. Later, it collaborated with Embrace Pet Insurance and introduced itself as a pet insurance policy provider as well.

Pros

  • Flexible policies concerning pre-existing conditions can be witnessed.
  • Enjoy up to 25% additional discounts on your plans.
  • Multiple coverage plans are available to choose from.

Cons

  • An upper age limit of 14 years is applicable on pets. Pets above 14 years cannot be enrolled in the program.
  • The policy is exclusive for current and former military members only.

Available Plans

There is a basic accidents and illnesses plan and a wellness rewards plan offered by USAA Pet. 

Plan Pricing

The starting price of primary accidents and illnesses plans is approximately $13 to $15.

Waiting Period

2 days waiting period for accidents, whereas a 14 days waiting period for illnesses is applicable.

Verdict

USAA offers a wide list of coverage against most illnesses and conditions for which a pet might need treatment. The only requirement is that you must be an ex or current military member to yield all the benefits of the various policies offered by USAA Pet.

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Hartville Pet Insurance

Hartville Pet Insurance

Best For: Easy Online Claims Process

Starting Price: $138 per year

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Overview

An extension to the Crum & Forster Pet Insurance Group, Hartville Pet Insurance was established in 1997 to provide the best policy plans through a seamless claim filing process to pet owners.

Pros

  • No upper age limit is applicable on any pets.
  • Hartville supports an easy cancellation process where you get a complete refund in case you don’t enjoy the program.
  • There are no hassles or restrictions to pay the annual premiums.

Cons

  • The policy plans are expensive for dogs over the age of 5.

Available Plans

Hartville offers two straightforward plans to choose from — an accidents-only plan, and an accidents and illnesses plan.  

Plan Pricing

The plans are incredibly customizable and the lower annual limit that is required to be paid for a plan is $5000.

Waiting Period

For any plan, a waiting period of 14 days is applicable before the plan commences.

Verdict

Have you browsed through various Pet insurance companies but found claim filing as an exhaustive and hassled process? Then Hartville is the right company for you.

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logo of Pets Best Pet insurance

Pets Best Pet Insurance

Best For: Affordable Premiums

Starting Price: $72 per year

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Overview

It was back in 2006 when Dr. Jack Stephens founded Pets Best Pet Insurance, after having founded Veterinary Pet Insurance, the first pet insurance company in the United States.

Pros

  • Inexpensive and the policies are easy to comprehend. 
  • Multiple online tools are available for easy accessibility.

Cons

  • Cremation and burial expenses are not covered.
  • Pre-existing conditions are not covered.

Available Plans

Three varieties of plans are available with Pets Best Pet — Accidents, Accidents and Illness, and optional Wellness plans.

Plan Pricing

For an accidents-only plan, the base price for dogs is $9, and for cats is $6.

Waiting Period

A 3-days waiting period for accidents and a 14 day waiting period for illnesses is applicable.

Verdict

Paying regular premiums can be financially taxing for a lot of us. It then becomes important to enroll your pets in a program where the premiums are affordable and you get access to quality services in return. Pets Best Pet Insurance is the right company for that.

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Logo of Prudent Pet Insurance

Prudent Pet Insurance

Best For: Covering Curable Pre-Existing Conditions

Starting Price: $180 per year

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Overview

Prudent Pet Insurance was founded in 2018 and is currently headquartered in Illinois. It offers detailed, yet customer-friendly policies that are informative and thoroughly planned.

Pros

  • If you don’t like the plan, you can get a complete refund within 30 days.
  • The plans are incredibly customizable. 
  • Curable pre-existing conditions are covered under the plans offered.

Cons

  • Some plans can get exorbitantly high in price.
  • Up to 25 treatments do not cut the list of things covered by Prudent Pet.

Available Plans

There is two plans available to choose from — accidents-only, and an accidents and illnesses plan.

Plan Pricing

There are only two annual coverage limits offered by Prudent Pet — a coverage of $10000, or unlimited coverage.

Waiting Period

Besides pet owners who are located in Maryland and New Hampshire, a waiting period of 15 days is applicable.

Verdict

It is highly unlikely for a pet insurance company to cover the cost of medical expenses due to a pre-existing condition. Prudent however provides coverage for curable pre-existing conditions along with several additional benefits, unlike no other pet insurer.

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logo of Healthy paws

Healthy Paws Pet Insurance

Best For: Emergencies

Starting Price: $144 per year

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Overview

Healthy Paws Pet was co-founded by Rob Jackson and Steve Siadek, back in 2009. It is touted as one of the best insurance companies that minimize financial burdens at the time of emergencies.

Pros

  • No claims have to be filled.
  • Unlimited payout limits offered.

Cons

  • No wellness plans are offered for preventive care of the pets.
  • Exam fees are not included.

Available Plans

A single accidents and illnesses plan is offered by Healthy Pet Paws.

Plan Pricing

Different prices are quoted which are based on the size, breed, and location of the pets.

Waiting Period

Besides pet owners who are located in Maryland and New Hampshire, a waiting period of 15 days is applicable.

Verdict

Health emergencies are inevitable when you have a furry companion in your house. Pet insurance is then bought to reduce the overall medical cost and financial burden which might otherwise leave you in a state of stress. Healthy pet paws offer some of the most comprehensive set of plans that are suitable for cases of emergencies.

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petplan pet insurance logo

Petplan Pet Insurance

Best For: Accident Coverage

Starting Price: $240 per year

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Overview

Petplan has been in business since 2003 where it has provided insurance to thousands of cats and dogs across the United States.

Pros

  • Get access to multiple online tools.
  • A huge network of vets is associated with the company.

Cons

  • Only a single plan is available to choose from.
  • The cost of preventive care is not covered.

Available Plans

There is only a single plan to offer by Petplan that can be customized according to your needs and preferences.

Plan Pricing

The monthly premiums depend on how you customize the plan according to the breed, size, age, and location of your pet.

Waiting Period

For accidents, a 2 to 3 days waiting period is applicable, whereas, for illnesses, 15 days waiting period is applicable.

Verdict

Dogs are particularly active creatures, and you are bound to find them jumping and bouncing from here to there. This makes this susceptible to injuries, both indoors and outdoors. If you think you are a parent to an energetic and zestful dog breed who has the probability of getting injured due to an unexpected accident, Petplan Pet Insurance is just the right kind of insurance company for you.

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Dog Insurance Comparison Chart

Policy Name No. Of Plans

Customizable

Pre-existing Condition Coverage

Upper Limit of Deductible Lowest Plan Price
ASPCA Pet Health Insurance 2 Yes Not Covered $500 $150 per year
PetFirst Pet Insurance 1 Yes Not Covered $50 $125 per year
Progressive Pet Insurance 4 Yes Not Covered $200 $1 per day
Embrace Pet Insurance 2 Yes Not Covered $30000 $12 per month
Figo Pet Insurance 3 Yes Covered for pre-existing conditions that have not shown symptoms for 12 months after last treatment. $1,500 $22
Geico Pet Insurance 1 Yes Not Covered $1000 $1
24PetWatch Pet Insurance 4 No Not Covered $1000 $340 per year
USAA Pet Insurance 3 Yes Not Covered - $8
Hartville Pet Insurance 2 Yes Not Covered $500 $100 per month
Pets Best Pet Insurance 3 Accident-only not customizable. Not Covered $1000 $6
Prudent Pet Insurance 2 Yes Not Covered $1000 $15
Healthy Paws Pet Insurance 1 Yes Not Covered $2500 $12.17
Petplan Pet Insurance 1 Yes Covered for pre-existing conditions that have not shown symptoms for 12 months after last treatment. - $20.16

Dog Insurance Buying Guide

Insurance helps you provide the right kind of medical care to your beloved pet, without having to think about robbing a bank. But, you must have questions.

How much does it cost to insure a dog? What are the factors that influence a policy? Is it cheaper to insure 2 dogs?

Well, you must consider a number of factors before enrolling your dog in insurance. Before you settle on the best dog insurance, read this guide thoroughly to make a smart decision.

 

dog checking the dog

Types of Pet Insurance

Accident-only

An accident-only insurance policy covers the cost of injuries that arise due to an unintentional or an unexpected accident.

Accident and Illness

An accident and illness insurance policy provides financial coverage against most of the veterinary treatment costs that occur due to an accident or an illness.

Accident, Illness, and Wellness

Along with accident and illness costs, a wellness program covers the cost of all the non-medical expenses such as grooming, bathing, and other preventive care for pets.

an image of a puppy
Factors That Affect the Cost of Your Dog Insurance

Size

For a dog to remain healthy, it must weigh what it’s supposed to weigh.

Lack of exercise and a lethargic lifestyle can cause a significant increase in your dog’s weight, which can also contribute to various medical issues. If your dog is above a specific range of weight that is considered ideal for its breed, the chances for them to acquire a disease or an illness increases.

If such is the case, expect an increase in the cost of premiums applicable on insurance policies.

Breed

Certain breeds of dogs are prone to more health issues in comparison to others. Most insurance companies take the breed of the dog into account and factors it into the final cost of the insurance.

Age

The age of the dog affects the cost of the insurance. Some policies impose an upper limit so it becomes all the more difficult to get older pets enrolled into an insurance policy. This is simply because as dogs age, they tend to develop certain age-related ailments.

Location

Where you’re located has a direct impact on the price of the insurance policy. This is because the cost of veterinary care and medical expenses vary from place to place.
The price of the insurance policy is directly proportional to how expensive or affordable the vet treatments are at your location.

Common Indoor and Outdoor Risks in the Area

Policies that cover the cost of accidents only cover it for conditions where the injury was caused due to an unforeseeable and unintentional circumstance. Dogs can be exposed to various outdoor and indoor dangers that can cause them to harm themselves.

If your dog lives in an area where there is a higher probability for it to get exposed to a hazard, the cost of the insurance may increase.

Term and Length of Insurance Policy

You can buy insurance policies for a specific period. You can opt for lifetime insurance coverage if you wish to. But remember, longer the length of the policy, higher the cost.

Reimbursement Rate

Every pet insurance company provides a reimbursement rate to choose from, mostly between 70% to 90%. When you pay a bill to the vet, the insurance company reimburses you the amount of the bill proportional to the rate of reimbursement you chose.

Naturally, for higher reimbursement rates, the cost of monthly premiums is also high, and vice versa.

Deductible

Deductibles play a major role in deciding the cost of insurance. It is the amount you pay to the veterinarian before the start of your insurance coverage. The premium you pay for the dog insurance depends on your chosen deductible amount, which usually ranges from $0 to $1000.

Higher the deductible amount you choose, lesser the premium you have to pay.

Payout Limit

Payout limit is the maximum amount of money the dog insurance company is willing to pay back to you. If the bill exceeds the payout limit, the extra money has to be borne by you. The company will not be liable to cover the extra costs.

Usually, there is an annual limit that you’re eligible to receive from the company. Once you reach that limit, your insurance service provider won’t provide any more money to cover up your dog’s medical expenses.

Plan Type

There are three types of pet plans for you to choose from — accidents only plan, accidents and illnesses plan, and an optional wellness plan. The rate of each plan differs because the coverage of each plan is also different.

For example, an accident-only plan exclusively covers the cost of injuries that happen due to a mishap. This is generally less expensive than an accidents and illnesses plan, because the latter covers both injuries as well as diseases.

Policy Provider

Dog insurance companies are the purveyors of your insurance coverage — they decide the cost of your insurance plan.

There is a wide scope of customizing dog insurance plans according to your own needs. The companies evaluate the total cost of the plan according to your preferences and offer you the best option available.

dog sitting with family

Tips for Choosing the Right Pet Insurance For Your Dog

Enroll Your Pet When They Are Young

In comparison to younger pets, older pets are less healthy and are more prone to acquiring diseases and illnesses. Because it is more likely for an older pet to develop an illness, the pet insurance available for them will always be more expensive.

Therefore, enroll your pet in the best pet insurance for dogs as early as possible. The rates will always be better, the premiums will be lower, and your dog will stay insured throughout its life.

Research The Provider’s Credibility

There are multiple criteria to look for to check the credibility of the provider of the insurance policy.

You need to opt for a company that can be trusted lifelong by you. The company should not only be adept at keeping its promises but also have a reputable history and name. The pet insurance provider should be honest about their company’s clauses, have an extensive yet competent network, and leave no stones unturned in their efforts to deliver what they guarantee.

Consider How Much Coverage You Want

Healthcare costs have skyrocketed in the past few years. You can never be sure of when a health issue can strike your pet. If you are not prepared, your budget can go for a complete toss.

Opt for the maximum coverage that will be suitable for all the expenses and bills due to an emergency or illness. Go for an optimal yet realistic figure that will cover the rising cost of pet healthcare.

Read the Fine Print

Terms and conditions can be intimidating. But it is a good habit to go through all the conditions, restrictions, limitations, agreements, and clauses of the contract that you sign.

Reading the fine print is essential to enrolling in an insurance plan. The contract often contains important information that you might overlook at a cursory glance.

Ask Your Veterinarian for Advice

It is crucial to get your veterinarian’s advice and perspective on getting an insurance policy for your dog. Pet insurance can be a complex concept to understand.

Because most licensed vets are a part of the insurance company’s network, they can guide you to the best pet policies.

Do enough research and number crunching before you settle on one.

dog with the owners

Frequently Asked Questions

How Does Pet Insurance Work?

If you are a pet insurance policyholder, the overall cost of veterinary bills is reduced. The policy can cover the entire or a part of the bill. This is evaluated based on deductibles, annual coverages, and reimbursement rates.

Is Dog Insurance Tax Deductible?

Unless your dog is a certified service dog, you will not be allowed to deduct veterinary expenses on your tax returns.

What is Included in My Dog Insurance Coverage?

Coverage plans vary from company to company and policy to policy. However, there are some common conditions, the cost of which are covered by most dog health insurances. Some of them are as follows:

  • Accidents
  • Illnesses
  • Hospitalizations
  • Surgeries
  • Various veterinary treatments
  • Unintentional and unexpected injuries
  • Prescription medication

Is it Worth Getting Your Dog Insured?

Yes, very much so.
If you have health insurance and are wondering “Can you add your dog to your health insurance?” You cannot. This is where a good dog insurance plan comes into play.
If you are still confused and are thinking, is dog insurance worth it? make sure to go through this guide and get your queries resolved.

Will I Get to Choose My Veterinarian?

Most pet insurance companies have a huge network of veterinarians and clinics covered under them. You can visit any licensed vet or medical expert, pay the final bill, and the insurance provider will reimburse the amount into your account.

Will Routine Wellness Care Be Covered?

A typical health insurance plan only covers the cost of unexpected accidents and illnesses. In such cases, preventive care and wellness treatments for the dogs are not included.

However, most insurance companies come up with separate wellness plans that you can buy at an additional cost. Grooming, daycare, and other routine wellness care provided to the dogs fall under such plans.

What Does Pet Insurance Cover?

Pet insurance helps you to budget your expenses with regards to your pet’s health care in the best, most economical way. A quintessential pet insurance plan covers the expenses of all the basic conditions like accidents, illnesses, surgeries, congenital disorders, hospitalization fees, and various veterinary fees.

In some cases, pet insurance may also cover the cost of vaccines, burials and cremations, alternative treatments, and more. The coverage varies per insurance and according to its policies.

How Much is the Cost of Pet Insurance?

Again, the cost of pet insurance differs from company to company. Pet insurance is a thriving industry. The cost of each pet insurance policy is based on factors like age, breed, size, and location of the pet.
The good thing is that insurance plans are flexible and can be customized in a way where it can easily fit your budget.

dog sitting on the carpet

Is there such a thing as dog insurance? You now know there is. Your dogs deserve the best life that they can get. There is nothing better than giving it to them in the form of a pet insurance plan.

Go through this guide to gain insights on insurance for dogs. Get in touch with the above-mentioned dog insurance companies to find your pet a safety blanket. A happy dog means a happy you! So, get insurance today.