A dog is like a son, most say. And as we know you want to protect it, we tell you which are the best dog insurance plans available in the USA.
Don’t risk paying expensive vet bills and losing your peace of mind!
Read on to find out what dog insurance is, which companies can insure your pet , and how to get cheap coverage in 2023.
What do dog insurance offer?
Nobody wants it, but our dog may have an accident or need medical attention. Pet insurance helps you pay for the veterinary expenses that your dog needs if it is injured or has a health problem.
Dog insurance can include everything from diagnostic tests, procedures and prescription drugs to preventative care like annual exams and vaccinations.
Keep in mind that almost all policies exclude pre-existing conditions and may exclude specific purebred pet conditions (or charge you more to cover them).
Types of medical insurance for dogs
Accidents. This coverage will protect your dog from expenses for injuries resulting from accidents, such as dislocations, broken bones, exposure to toxic substances, bites and other damages. In addition to therapies for recovery.
Diseases. A full coverage dog insurance will cover your pet from different common illnesses, from mild diarrhea to serious cancer treatments or heart disease.
Hereditary conditions. Although not all companies protect against congenital diseases. There are other insurers that do cover this type of thing, including behavioral problems in your canine. Just ask your agent if your plan includes it.
Preventive care. These basic plans usually include vaccinations, dental cleanings, laboratory tests, and the tests necessary to maintain your dog’s health.
In addition to all of the above, your dog will be able to access coverage with certain companies that allow it to receive holistic and alternative medicine treatment. But if it is about saving , you could stay with a plan that includes only accidents. Our advice is to consult an expert and compare prices.
Best dog insurance companies and plans
Nationwide
Their pet insurance plans start at $35 per month and you can choose to be reimbursed for a limited amount or a percentage of what you paid. Among its benefits are:
- Includes everything from routine care and preventive plans to plans for hereditary conditions and surgery
- You can use the vet of your choice
- Your claims and refunds are agile and you can submit them from your cell phone
Healthy Paws
One of the biggest advantages of this company is that it has no annual limits. So as soon as you exceed your annual deductible, the insurer will pay for all events covered by the policy during the year. Among its outstanding benefits are:
- Covers alternative care and does not limit congenital diseases
- It reimburses you up to 90% of veterinary and disease expenses
- Your dog’s coverage will not decrease, even if he ages
- Your pet will have access to any licensed veterinarian
ASPCA Pet Health
ASPCA has the advantage that it allows you to customize your furry plan according to your budget, thus being one of the cheapest dog insurances. Also, there is no age limit and you can make claims online.
Among its benefits are:
- It offers you a 10% discount for several pets and you only have to pay one premium for all your pets
- Its complete coverage includes behavioral problems of your dog and also hereditary diseases
- You can consult with any veterinarian, specialist or emergency clinic in the USA or Canada
- Your preventive plan includes vaccinations
Embrace Pet Insurance
Embrance is very affordable, offering you a catastrophic pet insurance plan with up to a $1,000 deductible plus $15,000 in coverage each year (no limits per incident). Among its benefits are:
- Your claims are fast and efficient
- Your dog can receive emergency care outside of business hours
- Their customer service is warm and personalized
- Offers dog insurance for chronic conditions, behavioral therapy, diagnostic tests, and more
PetFirst Pet Insurance
If you like to keep an eye on your dog’s care, this company can reimburse you for routine expenses, which is not common with other companies. Among its benefits are:
Your dog will receive dental cleanings, vaccinations, spaying and neutering as part of routine care. Which will save you about $235 a year on average- You can take your pet to the clinic, specialist or veterinarian of your choice in the United States
Trupanion
With Trupanion’s insurance, your pet will receive veterinary care regardless of the cost, since its dog coverage has no payment limits.
- Covers both hereditary and congenital conditions, as well as common illnesses and accidents
- Your dog can receive care in the United States, Puerto Rico and Canada
- Reimburses you 90% and never imposes payment limits
- You can request a quote through the website
PetsBest
The advantage of PetsBest is that it does not have an upper age limit. So you can insure your dog no matter if he is old or how old he is.
- Covers emergencies, cancer, illnesses and other situations for senior dogs
- Offers you a complementary wellness plan for routine care such as your dog’s vaccinations
- Their customer service is excellent and you can get help over the phone
Pet Assure
The difference between Pet Assure and other companies is that it acts as a discount program. That is, you pay a monthly fee, and then your pet receives the discounted services instead of being offered a refund. Among its benefits are:
- Offers everything from dental cleanings to emergency care and surgical procedures
- Covers wellness care and pre-existing conditions
- No waiting periods, deductibles or age limits
- You can quote from the company website
How to find cheap dog insurance?
Do you know how much dog insurance costs? The average fee is between $40 and $50 per month. However, the premium may be cheaper or more expensive depending on the characteristics of your dog and the insurer.
So how do I find cheap dog health insurance? There are many ways to lower the price of your rate. Here are some of them:
- Ask your insurance company to bundle your dog insurance with other policies
- If you have several dogs, insure them all with the same company and you will receive a 10% discount
- Are you military? Take advantage because you can receive a 5% discount on your pet’s insurance
- You can be reimbursed from 70% to 100% by choosing deductibles of $100, $250, $500 or $750.
Why get dog health insurance?
Between home visits, check-ups, clinical tests, hospitalization time and medicines, the costs can be very high. For this reason, dog insurance is essential support for your peace of mind and the health care of your pet.
Cancer treatment alone can cost almost $5,000 and surgery to treat a torn ligament (ACL) around $3,300.
Having pet insurance will prevent you from having to consider euthanasia as an option in case of serious illness. In addition to everything, you will be able to carry out preventive care for your dog year after year.
What does the price of insurance for my dog depend on?
Dog health insurance is like human health insurance. We don’t all pay the same.
So your pet will not pay the same as another dog of the same breed. The price of insurance for dogs varies according to:
The age and gender. An older dog 8 to 10 years old may have higher insurance rates than a young dog in good condition. On the other hand, an adult female dog may be less risky for insurers than a male puppy.
Place. Where your dog lives, and its conditions, will influence the fee you pay for your pet. If it is a safe place without elements that can cause an accident, your rate may be less than a farm owner who is a carpenter.
Risk. If your dog is a competition dog, he will be exposed to more accidents or injuries than other canines, so it may cost more to insure him.
Race. Insurance prices for purebred dogs are more expensive since they can suffer from some hereditary conditions. Likewise, there are other breeds that are healthier due to their texture and genetics.
Diseases. If your dog is prone to developing diseases due to his weight, size or his breed, you may have to pay a higher insurance. However, if your dog is young and at a healthy weight, you can find cheap pet insurance.
Deductibles, copays and premiums. Just like people’s health insurance, if you choose a higher deductible, your dog’s insurance premiums can drop considerably. Remember that you will have to make a co-payment when you request a service and pay a monthly premium for having your dog’s coverage active.
Get cheap dog insurance online
Your dog is part of the family and we know how much you love him. That’s why dog health insurance can give you peace of mind if your pet is injured, attacked by another dog, becomes seriously ill, and more.
Start with an online quote. It is easy, fast and free! Come to one of our nearby offices. Or if you prefer, get help over the phone from one of our friendly agents to choose cheap pet insurance.