Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

Caring for your dog goes beyond regular walks, tug-of-war with rope toys and top-quality dog food. Your pup also needs to visit the vet on an annual basis — maybe more than once a year, depending on his health needs.

The annual cost of vet bills for a healthy dog is between $400-$500 on average for shots, teeth cleaning, blood work and more. Expect to pay more per year as your dog gets older. A surprise illness can put a dent in a pet owner’s budget — that’s what pet insurance is for.

Multiple companies now offer the best pet insurance for dogs. Don’t miss out on a savings opportunity that will benefit your most loyal friend.

Quick Look: The Best Dog Insurance

The Best Dog Insurance

The best pet insurance combines affordable coverage with an easy reimbursement process and excellent customer service. The last thing you want to worry about is filling out paperwork or navigating an unclear process. Here are some of your best options for a pet insurance company for your pooch.

1. Lemonade Pet Insurance

Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies. 

Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (no exotic animals). 

get started securely through Lemonade Pet’s website
Disclosure: Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,
Best For
Top-rated pet insurance
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Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies. 

Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (no exotic animals). 

Best For
  • Those who want to bundle with their home policy
  • Pet owners who prefer to buy and manage their policies online
  • Pet owners who want to customize their pet’s policy
  • Super customizable so you get everything your pet needs without paying for stuff you won’t use
  • Discount for having Lemonade home or renters insurance
  • Very high cap on annual limits
  • Only offers coverage for dogs and cats
  • Not available in all states

2. Spot Pet Insurance

Spot Pet Insurance is the No. 1 pet insurance is a leading provider that offers coverage for your dogs and even has a 24/7 vet helpline provided by VetConnect. Other insurance highlights:

  • Up to 90% reimbursement on eligible vet bills
  • No age cap on coverage
  • Plans start as low as $1 a day* — that’s less than a cup of coffee!

You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions. 

Spot’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send Spot the bill and get reimbursed.

Take 30 seconds to fetch your free quote now. 

*Rates vary based on plan type, species, breed, age and location

Get started securely through Spot Pet Insurance’s website
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Prescription food and supplements
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Spot Pet Insurance’s innovative approach provides user-friendly access to customizable coverage. Your dog or cat is covered without completing a medical exam. The policies cover veterinary bills, either partially or in full, when your pet goes in for a check-up or routine vaccination or needs care for injury, chronic illness or prescription coverage. Spot also covers implanting a microchip in your pet. You’ll also get 10% off of each additional pet you insure.

Best For
  • Cats and dogs of all breeds, sizes and ages
  • Insuring multiple pets
  • Customizing an insurance plan
  • Prescription food and supplements
  • Multiple pet discount
  • Covers prescription food and supplements
  • No upper age limit for coverage enrollment
  • 30-day money-back guarantee*
  • More reimbursement options: 70%, 80% and 90%
  • Doesn’t cover exotic pets

3. Pumpkin

You’re ready for a proactive approach to protect your dog, so look no further than Pumpkin Pet Insurance to cover your tail-wagger. 

Pumpkin allows customers to submit a claim online or it can provide a claims form if requested. After you’ve submitted your claim, Pumpkin will review the claim and determine whether it can be covered. Pumpkin’s site notes that you’ll receive reimbursement for 90% of the covered costs on your claim. 

Reach out to Pumpkin for a sample quote for your pooch. 

get a quote securely through Pumpkin Pet Insurance’s website
Best For
Families with multiple pets
1 Minute Review

Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.

Best For
  • Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
  • Families with multiple pets who can benefit from their discount for each additional pet’s policy
  • No upper age limit
  • Multiple pet discount
  • An extensive list of covered procedures
  • Plans only cover cats and dogs — no other pet types

4. Trupanion

Trupanion is available in all states and makes easy claims a big part of what it does. However, you should remember that there is much more to caring for your dogs. When you use Trupanion, you gain access to:

  • Coverage for hereditary conditions
  • Diagnostic coverage
  • Coverage for accidents, injuries and illnesses
  • Pet owner assistance package options
  • A recovery rider

Prices vary depending on the breed and type of coverage you choose, but remember that you should reach out to Trupanion or click here to learn more about pricing and the sort of coverage your dogs need.

Get started securely through Trupanion’s website
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1 Minute Review

Trupanion offers comprehensive pet insurance policies for cats and dogs of all sizes, breeds and ages. The cost of your cat or dog’s policy will depend on its age, breed, gender and the cost of veterinary care where you live. You can expect a 5-day waiting period for injuries and a 30-day waiting period for illnesses.

Best For
  • Cats and dogs of all sizes, breeds and ages
  • Hereditary conditions
  • Illnesses and injuries
  • Available in all states
  • Covers diagnostic testing
  • Easy claims process
  • Can pay veterinarians directly at checkout
  • More expensive than most other providers

5. Prudent Pet

Prudent Pet is an excellent option if you want to customize your coverage. They have 3 plans to choose from: Accident Only, Essential and Ultimate. In addition to those plans you can add optional coverage packages like the Veterinary Exam Fee coverage or the Wellness Coverage Add-On. The Wellness plan will help cover your routine care for your pet such as vaccines and annual wellness checkups. 

The Vet Exam Fee coverage will help cover exam or consultation fees associated with the diagnosis and treatment of your pet for an eligible illness or accident. See below for a full list of included benefits and get started with a custom quote today.

get started securely through Prudent Pet’s website
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Live vet chat
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If you are looking for the right pet insurance policy for your dog, cat, bird or other pet, Prudent Pet insurance offers a variety of options for you. With free quotes, policies that are easy to grasp and an online portal, you will find it relatively easy to secure an insurance policy for your beloved pet through Prudent Pet insurance.


Best For
  • Emergency care coverage
  • Wellness care coverage
  • Pet owners who want comprehensive coverage
  • Coverage can be added as the need arises
  • Visit the veterinarian of your choice
  • No age limits
  • Flexible payment terms and multi-policy discounts
  • Potentially high premiums
  • Some reports of long waiting periods for claims processing

6. Liberty Mutual Pet Insurance

Liberty Mutual Pet Insurance covers a wide range of accidents and illnesses. There are no forced cancellations due to age and you have the flexibility to use any vet. 

If you insure your home or car with Liberty Mutual, getting coverage for multiple pets, or are an active or retired military members, you can use their stackable discounts option that may save you up to 20%. We like Liberty Mutual’s customized pet insurance because they offer 3 different plans: accident, accident and illness, or accident, illness and wellness with the ability to select the percentage you’ll get back from each vet visit up to 90%, your deductible and your annual maximum. 

Getting started with a quote is easy, and takes only minutes to complete.

Get started securely through Liberty Mutual’s website
Best For
Up to 90% reimbursement
1 Minute Review

Liberty Mutual is a major insurance provider offering pet insurance options for cats and dogs. The company offers 3 policy choices: an accident-only plan, an accident and illness plan and a plan that covers wellness and routine care along with both accidents and illnesses. You can get a policy quote online with just a few clicks and you can adjust your policy details to fit your needs.

Liberty Mutual’s pet insurance policies will not automatically cancel once your pet reaches a certain age, which can be a huge benefit for owners of older pets. While Liberty Mutual does not currently offer an illness-only plan, most pet owners will be able to find an affordable care option through the company’s customizable quote tool. Depending on your pet and policy, you may pay as little as $7 a month for coverage.


Best For
  • Pet owners who already have some type of Liberty Mutual insurance
  • Dog and cat owners up-to-date on veterinary care
  • Anyone looking for customizable benefits
  • Wellness benefits do not count toward annual maximum
  • Instant quotes available online
  • Allows policyholders to adjust deductible, maximum benefit and reimbursement
  • Does not offer coverage for animals besides dogs and cats
  • Pet must have a comprehensive veterinary exam before enrollment

7. Allstate Pet Insurance

Allstate Pet Insurance covers dogs and cats. They specifically mention that genetic and breed-specific conditions are covered in their policy, a welcome relief to lovers of breeds prone to certain health issues. Allstate won’t cover pre-existing conditions though, so it’s best to get it early in your pet’s life.

Here is a quick rundown or what Allstate Pet Insurance does cover:

  • Accidents and treatments for illnesses and diseases
  • Cancer and chemo 
  • Surgery, hospital stays and nursing care services
  • Labs, diagnostic tests (which include x-rays and MRIs)
  • Medications
  • Genetic and breed-specific conditions
  • Complimentary therapies
  • chronic/recurring conditions

They also have an optional Wellness Rewards plan that provides reimbursement for routine care, vaccinations, dental cleanings and more.

get started securely through Allstate’s website

What is Pet Insurance?

Pet insurance helps cover expenses if your pet becomes ill or is injured and can offset high vet bills. It’s similar to how health insurance works for humans.

You’ll pay a monthly premium for pet insurance, and in some cases, you can pay for a full year of pet insurance in advance and receive a discount. You’ll have to meet a deductible and possibly pay a copay when you take your dog to the vet. You pay the bill while there and then submit the bill for reimbursement.

There are three types of pet insurance plans:

  • Comprehensive: This type of plan covers accidents like a bite from another dog, but also illnesses such as cancer or diabetes.
  • Wellness coverage: Wellness coverage takes care of the costs of annual exams, vaccines, flea and heartworm prevention.
  • Accidents only: As the name implies, it only covers accidents, such as a broken leg or a swallowed bone.

Who Needs Pet Insurance for Dogs?

Any dog owner should consider purchasing pet insurance. It’s easier to set aside money for the predictable costs of dog ownership, such as a yearly vet visit, but an unexpected illness could cost thousands of dollars. Pet insurance for your dog ensures that your pup will receive the care he needs and you don’t have to worry about unpredictable medical costs.

What Does Pet Insurance Cover?

Pet insurance covers a variety of conditions and treatment options for your dog. Each policy provider has slightly different coverage options, so it’s a matter of weighing what’s most important to you. For example, Pet Plan pays vet exam fees, but Healthy Paws does not. The broader the coverage options, the more you’ll pay in premiums.

Your pet insurance won’t cover annual vet visits and blood work unless you select a plan with wellness coverage. Pet insurance will not cover preexisting conditions, either, and sometimes excludes hip dysplasia or other common ailments for your dog breed.

The purpose of pet insurance isn’t to cover the normal costs of owning an animal. Responsible pet owners can plan and budget for those expenses. Its purpose is to help out when your pet falls unexpectedly ill or is injured in an accident so you can avoid expensive vet bills.

Pet insurance also has coverage limits, or caps, on how much the insurer will payout. Learn what each of these limits means and if they’ll apply to your dog before you choose a policy.

  • Unlimited lifetime coverage: There’s no cap or limit on coverage after you’ve met your deductible. For example, at no point will the insurance company stop paying to cover claims. 
  • Annual maximum: Your pet insurance covers costs up to the annual maximum, which resets each year. Maximums can range from $2,500 to $25,000, which you select. Picking a higher maximum will lead to a higher premium.  
  • Annual per incident: The annual per incident caps the cost per incident, such as an illness, condition or procedure. The insurance company will stop paying out anything once you’ve hit the limit. 
  • Lifetime maximum: The lifetime maximum refers to the amount you pay either per condition or over your dog’s lifetime, after which the insurance company will no longer pay for any care.

Pet Insurance Rates for Dogs

The amount you’ll pay for pet insurance for your dog depends on the amount of coverage you select. For example, you’ll lower your premiums if you’re willing to pay a higher deductible. Your dog’s breed and age also play a factor in overall cost.

Here’s a list of the top 5 best dog insurance companies, their included coverage and sample prices.

Company Price Included Coverage
Lemonade Pet $10/month and up Blood tests, urinalysis and lab work, X-rays, CT scans, ultrasounds and MRIs
Outpatient care, speciality care and emergency care
Hospitalization and surgical procedures and injections and prescriptions
Spot Pet Insurance $10/month and upAccidents and injuries, behavioral issues, dental disease
Hereditary and congenital conditions, illnesses, preventative services
PumpkinCustom quotesAccidents and injuries, illnesses, veterinary care and services
Diagnostics and treatments, prescriptions
Emergency care and hospitalization, advanced care and microchipping
Alternative therapies and more
Liberty MutualCustom quotesAccidental injuries, euthanasia or anesthesia, ingestion of a foreign object and accidental death
Illnesses (ex: cancer, influenza, and kennel cough)
Alternative medicine and behavioral therapy
Hereditary and congenital conditions
Wellness exams and routine dental cleaning
Flea and tick prevention and heartworm tests and medication
Dietary food and supplements as well as prescriptions, boosters and vaccinations
Allstate PetStarts at $15-$30/monthAccidents, illnesses and diseases
Hospitalization, surgery and diagnostic testing
Medicines and alternative therapies
Treatment for chronic conditions
PrudentCustom quotes
Injuries + illnesses and diagnostic tests
Veterinary exam fees and surgery and specialized care
Eye, ear and skin conditions
Hereditary conditions
Hip dysplasia
Behavioral therapy

The Value of Pet Insurance

Pet insurance protects you from a worst-case scenario. Do your research so you choose a  company with good customer service and easy claims reimbursement.

Consider this scenario: Let’s say Fido breaks his leg. You could pay $2,700 to have the fracture repaired. If you’d purchased a pet insurance policy for $30/month that had a $150 deductible, your net savings would be over $2,100.

Talk to your vet about the health problems your animal might have later in life and the cost of treating them. Once you gather information on pet insurance policies and get a realistic idea of your dog’s future health costs, the decision to buy a pet insurance policy could be quite simple.