This time I will discuss the Best Pet Insurance For Dogs so that you can select the ideal one for your pet. There are numerous options available, but the insurance you select should adequately cover your dog’s health issues without straining your finances. From detailed plans to budget-friendly options, I’ll outline the best selections for 2025.
Key Feature & Best Pet Insurance For Dogs
| Provider | Key Feature |
|---|---|
| Healthy Paws | Unlimited lifetime coverage with fast claims processing |
| Embrace | Diminishing deductibles and alternative therapy coverage |
| Fetch by The Dodo | Includes dental, behavioral, and holistic care benefits |
| Figo | 24/7 live vet chat and cloud-based pet health management |
| Lemonade Pet Insurance | Fast digital claims with affordable, customizable wellness options |
| Trupanion | Pays vets directly with 90% coverage and no payout limits |
| ASPCA Pet Insurance | Offers wellness add-ons and multi-pet discounts backed by a trusted brand |
| Nationwide | Covers dogs and exotic pets with broad policy choices |
| Pumpkin | No age limits and comprehensive preventive care coverage |
1. Healthy Paws
Healthy Paws is the best pet insurance provider for dogs in 2025 as they offer an accident and illness plan with unlimited lifetime benefits which is best for chronic conditions such as cancer.
They cover accidents, illnesses, hereditary conditions, diagnostics, surgeries, and alternative therapies with 70% – 90% reimbursement and a deductible of $100 – $500. The claims process via a mobile app takes 2 – 10 days.
They do not cover wellness or accident-only plans, exam fees, or prescription food. Premiums ($40 – $100/month) increase with age, there is a 15-day waiting period for illnesses and 12 months for hip dysplasia. Best for long-term comprehensive coverage breeds such as Labradors.
Healthy Paws Features
- Per-incident and annual limits are absent, allowing for unlimited lifetime benefits.
- Claims are typically processed within a few days.
- Accidents, illnesses, and surgeries are all comprehensively covered.
- There are no hidden fees within the simple policies.
2. Embrace
Embrace offers customizable accident and illness plans with coverage for accidents, illnesses, hereditary conditions, diagnostics, surgeries, behavioral treatments, and alternative therapies.
Its diminishing deductible features ($50/year claim-free) which reduces costs over time, makes it economical. Reimbursement of 70% -90% with $100 – $1,000 deductibles makes it flexible along with post limit of $5,000-unlimited.
Optional wellness rewards enhance scope by covering routine care. The average premium is $75/month with a six-month waiting period for orthopedic claims (which can be waived) and a 14-day wait for illnesses.
No upper age limit and 10% discounts for multi-pets add value. Though lower costs might be appealing to German Shepherd owners seeking holistic care, limited scope for wellness may deter some. Embrace is best suited for comprehensive long-term coverage along with owners seeking to add multiple pets.
Embrace Features
- Claims not filed will lower the deductible over time.
- Range of therapies covered includes acupuncture and chiropractic care.
- Policies for accidents and illness coverage are flexible.
- For routine care such as vaccinations and checkups, there is a wellness add-on.
3. Fetch by The Dodo
Fetch by The Dodo is a pet insurance that covers accidents, illnesses, hereditary conditions, diagnostics, surgeries, as well as unique dental (covers every tooth) and behavioral therapy.
Its reimbursement policies range between 70% – 90%, with a coverage of $5,000-$15,000, and deductibles between $250-$700 which makes it flexible.
It does not offer wellness or accident-only plans, and claims processing may take up to 10 days. Monthly premiums of $50-$80 are applicable with a 15-day illness waiting period, and 6 month’s waiting period for coverage on crutiate ligaments.
There is no upper limit on age and discounts of 10% for multiple pets are appealing to many. Rescue dogs suffering with anxiety or Pugs requiring dental care may benefit, but there are no preventive care options with lower coverage limits which may be unappealing to some.
Fetch by The Dodo Features
- Coverage includes dental care, behavioral therapy and other forms of holistic care.
- Needs-based customizable coverage options.
- Step-by-step guidance on care is available via a pet health helpline.
- Out-of-pocket costs are alleviated with fast claims reimbursement.
4. Figo
Accident and illness plans from Figo cover a wide range of situations including accident, illness, hereditary conditions, diagnostics, surgeries, alternative therapies as well as exam fees.
Its reimbursement policies are flexible between 70%-100%, with deductibles of $100-$750, and a minimum of $5,000 up to unlimited coverage which is appealing with flexible policies. The Pet Cloud app, available for diagnostics and telehealth, provides 24/7 accessible healthcare enhancing convenience.
There is an optional wellness program which has limited scope. Monthly premiums are between $50-$90 however, this will increase with claims for full reimbursement but Figo has waivable waiting periods for 6 months on orthopedic coverage and 14 days on illness claims.
As there is no age limit, this is also suitable for senior dogs. Best suited for active breeds, such as Border Collies or tech-forward owners, but limited options may not meet preventive care needs.
Figo Features
- Health questions can be resolved via 24/7 live vet chat.
- Managing dog health records is made easier with pet records kept on the cloud.
- Comprehensive coverage means lower reimbursement rates with claims covering accidents, illnesses, and wellness, but more flexibility.
- Claim and plan management are simplified via a mobile app.
5. Lemonade Pet Insurance
Offering reasonable accident and illness plans, Lemonade covers accidents, illnesses, hereditary conditions, diagnostics, surgeries, and medications with 70-90% reimbursement, $100-$750 deductibles, and $5,000-$100,000 limits. Optional dental, behavioral, and wellness add-ons increase flexibility.
AI claims processing is instant via app, with prices starting at $10/month. Available in 37 states, with 14-day illness and 6-month cruciate ligament waiting periods. Young and healthy dogs, such as Shih Tzus, are mostly supported.
However, restrictive senior dog underwriting, limited availability, and greater availability may deter some. Budget-focused owners looking for comprehensive coverage will appreciate Lemonade’s low cost and speedy claims.
Lemonade Pet Insurance Features
- Coverage for accidents and illnesses on affordable, budget-friendly plans.
- Claim processing through the app is streamlined and fast.
- Optional wellness coverage for routine preventative care.
- Pricing and policies are transparent and easy-to-navigate.
6. Trupanion
Trupanion covers accidents, illnesses, hereditary conditions, diagnostics, surgeries, and medications with a focus on emergencies under their accident and illness plans. They reimburse at 90% with a $0-$1,000 per-condition deductible.
Premiums usually sit at $72.40/month and there’s a 30-day illness and 5-day accident waiting period. No annual or lifetime caps and direct vet payments if the vet is enrolled significantly reduce upfront costs.
Options are limited due to the lack of wellness and accident-only plans. Great Danes who commonly suffer from expensive conditions find the most benefit from these plans.
Emergency-minded owners appreciate Trupanion’s direct payments and unlimited payouts, but those with a tighter budget may find the costs and long waiting period unappealing.
Trupanion Features
- Most treatments and procedures are covered at 90 percent, with payments made directly to the vet.
- No limit or cap on payout and claims makes cover for expensive treatment ideal.
- Includes hereditary and congenital conditions.
- Easy policy with no hidden exclusions, flexible payment options available.
7. ASPCA Pet Health Insurance
Supporting a reputable name, ASPCA Pet Health Insurance offers coverage on accidents, illnesses, hereditary conditions, diagnostics, surgeries, and alternative therapies ($100-$500 deductibles, $5,000-$10,000 limit) with 70-90% reimbursement.
Wellness plans are available with coverage for pre-existing conditions after being symptom-free for 180 days. Premiums average out to $50-$70/month, with a waiting period of 14 days and slower claim processing (up to 15 days).
There’s no age limit and multi-pet discounts of 10% are provided. Best for multi-pet households or pets that suffer from allergies, though some may be put off by slower claim processing and lower limits.
ASPCA Pet Health Insurance
- Comprehensive coverage for accidents, illnesses, and wellness care is provided under one plan.
- Multi-pet discounts available for families with more than one pet.
- Reputable ASPCA, which supports animal welfare, backs this advertisement.
- Some plans feature no waiting periods for specific treatment, ensuring quicker access to care.
8. Nationwide
Nationwide offers a diverse range of plans, including accident, illness, and wellness coverage. Coverage includes accidents, illnesses, hereditary conditions, diagnostics, surgeries, and medications, with a reimbursement of $70-90% and $100-500 deductibles.
This insurance is noteworthy for covering exotic pets, making it ideal for diverse households. Premiums For pets $60-$80/month, with a waiting period of 14 days for illness and a 12-month wait for cruciate ligament surgery.
Multi-pet discounts of 5-10% are offered. Best suited for owners with exotic pets or those who need routine care, with limited coverage for dogs over 10. The high cost may also be unsuitable for dog-owners seeking affordable insurance for younger pets.
Nationwide Features
- Provides coverage for exotic pets, in addition to dogs, making it versatile for all types of animals.
- Whole pet plan and several other plans available for extensive coverage.
- Preventive care coverage such as vaccinations and flea/tick prevention is available.
- Discounts available for households with multiple pets.
9. Pumpkin
Pumpkin provides reimbursement ranging from $5,000 to unlimited caps, $100-$1,000 deductibles, and 90% reimbursement for accidents, illnesses, hereditary conditions, diagnostics, therapies, surgery, and exams.
Routine care is also provided under an add-on called Preventive Essentials, but there’s a waiting period of 14 days that includes hip dysplasia. Average premiums are $61.79 monthly with no age limit, which benefits older dogs such as Golden Retrievers.
Their plan is better suited for longitudinal care, especially with the 10% multi-pet discount. Moreover, they face some restrictions such as lack of an accident-only plan and limited add-ons. These terms make it a favorable plan for older dogs requiring ongoing care.
Pumpkin Features
- There is no age limit regarding enrollment making it easier for older dogs to get insured.
- Preventive care is offered for vaccinations and wellness exams.
- Claims come with the policy’s mobile app which makes managing policies easy and processes them quickly.
- Accidents, illness, and surgical procedures are all covered under the policy with extensive clear terms of the policy.
