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The Best Pet Insurance Companies for Dogs

Barret WilliamsNovember 21, 2021

We receive compensation from advertisers, however, all opinions and analysis on this page are independent of payment considerations. Learn more about how we review products and learn about how we work with partners in our advertiser disclosure.


The Best Pet Insurance Plans for Dogs Overview

Dogs - they are people too. As a result, they need health insurance. We can see the doggo wagging their tail over your decision to research health insurance to cover them as they age, but it's not as easy as playing fetch! We've compared some top pet insurance providers on the market so you can spend less time digging for bones and more time taking walks.

Lemonade Logo
Lemonade Pet Insurance

4.9 / 5 Stars

Best for Bundling Discounts
- 4.9 / 5 Stars - Best for Bundling Discounts

Bundle your auto, home or renters insurance for additional discounts.

Get a Quote
At Lemonade's Website

  • Dog and Cat insurance. Baseline accident and illness coverage with add-ons for preventative care and wellness
  • Any licensed veterinarian is eligible. No network restrictions
  • Waiting periods: 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events
  • Discounts for multi policy households
  • America’s top-rated insurance, now for cats and dogs
  • Hassle-free digital experience. Lightning fast claims payment. Powered by AI.
  • Sign up in seconds. Get paid in minutes. Award-winning service.

Lemonade is shaking up the insurance industry with their easy-to-use pet insurance product. Offering a range of coverage levels for both dogs and cats, Lemonade may be a good fit for existing customers or pet owners looking to snag a competitive quote.

Read our Lemonade Pet Insurance Review.

Pets Best Logo
Pets Best

4.8 / 5 Stars

Best for Flexible Plans
- 4.8 / 5 Stars - Best for Flexible Plans

Pets Best offers flexible plans to help you find the right one for your budget. Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment.

Get a Quote
At Pets Best Website

  • Coverage Types: Cats, Dogs
  • Coverage Caps: $5k-Unlimited
  • Deductibles: $50-$1k
  • Accident Only Insurance Available: Yes
  • Multi-pet Discount: Yes, 5%
  • Comprehensive coverage at affordable prices
  • Choice of deductibles from $50 to $1000
  • Three reimbursement levels: 70%, 80%, and 90%
  • No upper age limit on enrollment
  • Choose $5000 annual or unlimited benefits
  • 24/7 veterinary support line for all customers

Pets Best offers a variety of price points to help you find a coverage plan that meets your budget. With multiple deductible options, three reimbursement levels and flexible annual benefit caps, you can build a plan that makes sense for your fur family. Quotes can be completed online in minutes.

Read our Pets Best Review.

Embrace Logo
Embrace Pet Insurance

4.8 / 5 Stars

Best for online user experience and for pets with curable pre existing conditions.
- 4.8 / 5 Stars - Best for online user experience and for pets with curable pre existing conditions.

Embrace has built an award winning online platform for managing your pet’s health needs.

Get a Quote
At Embrace's Website

  • Coverage Types: Cat, Dog, Curable Pre Existing conditions
  • Size of Network: National
  • Waiting period: 14-day waiting period for illnesses, accidents are 48 hours. 6-months for orthopedic conditions without a waiver.
  • Multi-pet Discount: 10%
  • Coverage designed to protect your pet in sickness and in health
  • Add-on routine care packages are available for wellness checkups, spay or neuter surgery, grooming and more
  • Policyholders get access to an exclusive pet health line that provides real-time guidance on everything from emergency care to diet and exercise. 
  • Diminishing deductible - each year you don't receive a claim payment, your deductible is decreased by $50
  • Embrace distinguishes between curable and incurable conditions and can offer coverage for curable conditions after your pet is symptom-free for 12 months

Embrace Pet Insurance offers an array of products that should meet the needs of many pet owners. The online experience is clean and user-friendly. Policyholder reviews of the service are generally positive, however, users have reported higher pricing than some competing products. The ability to insure an older pet, secure coverage for an at-risk purebred pet, or insure a pet with a pre-existing condition that has been cured and not shown symptoms for at least 12 months  may make a higher cost policy worth considering for some pet parents.

Read our Embrace Pet Insurance Review.

Wagmo Logo.jpeg
Wagmo Pet Insurance

4.8 / 5 Stars

Best for Pet Health Maintenance
- 4.8 / 5 Stars - Best for Pet Health Maintenance

Wagmo offers policies to help maintain your pet's health over time.

Get a Quote
At Wagmo's Website

  • Coverage Types: Dog, Cat
  • Size of Network: Nationwide for wellness plans. Limited states for emergency insurance
  • Waiting Period: 15 days in most cases. 30 days for cancer
  • Multi-pet Discount: 5%
  • Wagmo allows you to customize your coverage, so you can get to a price point that works with your budget.
  • Wagmo is accepted at all vets across the U.S.
  • Wagmo offers both Pet Wellness and Pet Insurance plans. Pick only what is best for your pet.
  • Get reimbursed fast. Wagmo reimburses customers for expenses right away via Venmo, PayPal, and more!

Wagmo earns top marks for its reimbursement process, online experience and highly rated customer service.  Offering both traditional emergency pet insurance (based on your state) and a standalone wellness plan that can help maintain your pet’s health over time, we love the unique flexibility offered by Wagmo’s policies. Plan pricing is competitive with the market and the claims process is reported to be a breeze. The only negative on our radar is that pre-existing issues are not covered. 

Read our Wagmo Pet Insurance Review. Logo

5 / 5 Stars

Best Pet Insurance Aggregator
- 5 / 5 Stars - Best Pet Insurance Aggregator

Compare policies from multiple pet insurers at the once to find the right policy for you.

Get a Quote
At's Website

  • doesn't offer insurance, but they are a tool that allows you to compare personalized pet insurance quotes
  • Enter your pet's information once and get access to multiple quotes from popular brands like Trupanion, Embrace, and Pets Best
  • Compare offers and get the policy that is right for you
  • Tell about your pet
  • Get product recommendations based on your pet's breed and age
  • Compare offers from multiple pet insurance companies
  • Enroll in the policy that works best for your pet

If you're unsure of where to start your pet insurance search, one good option is to use a comparison service that will provide you with multiple real time quotes for insurance. The process is simple - provide your pet's information, and will send that along to multiple pet insurance providers and get back to you with quotes. From there, you'll be able to compare prices and policy coverage to find the offer that works best for you. 

Read our Review.

Summary of The Best Pet Insurance Companies for Dogs

Top 5 Best Pet Insurance for Dogs

(Swipe table to see more)
Lemonade Pet Insurance
4.9 / 5
Best for Bundling Discounts
Pets Best
4.8 / 5
Best for Flexible Plans
Embrace Pet Insurance
4.8 / 5
Best for online user experience and for pets with curable pre existing conditions.
Wagmo Pet Insurance
4.8 / 5
Best for Pet Health Maintenance
5 / 5
Best Pet Insurance Aggregator

How to Decide if a Dog Insurance Policy is for You

Dog insurance policies can be a bit complicated. There's coverage for accidents and illnesses, coverage for preventative care, network coverage, excluded breeds and preexisting conditions you need to consider. Here are the important elements to consider when reviewing pet insurance policies for your dog.

  1. What do you need to cover? What are you most concerned with when it comes to pet expenses? Are your annual checkups running close to $1,000 a year after medications, vaccinations and exam fees? If so,  a maintenance plan that offers coverage for preventative services may be best for you. If your annual expenses are light and accidents are your primary concern, a bare-bones policy will likely get you by.
  2. Can you go to your current vet? If you're already used to going to a specific vet, make sure your policy will reimburse any vet (or that yours is considered in network). The last thing you want is to have to run across town to the vet after your dog swallows a bag of socks. 
  3. Does your dog have a preexisting condition? Many policies will deny coverage for a dog with a preexisting condition. If your dog has a serious illness, seek out a policy that will cover an event after a dog has been deemed "cured" of the disease, or that will offer a terminal dog accident only coverage. 

How to Decide if a Dog Insurance Policy is for You

When reviewing the best pet insurance companies for dogs, we considered the following factors:

  1. Cost
  2. Access to vet care
  3. User reviews and experience
  4. Multi-pet discounts
  5. Time in business


Will my pet insurance cover a dog bite?

No. Dog bites are typically covered under your renters or homeowners policy. Pet insurance is for illness or health maintenance, not for injuries sustained by others. 

Is my dog breed excluded for coverage?

Some dog breeds that are at risk for certain diseases may be excluded by some carriers, or incur higher premiums. If you have an at risk dog, be sure to solicit quotes from multiple providers to ensure you're getting a good price. 

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We partner with financial institutions, lenders, and other advertisers to better provide you with the most up-to-date product information that can help you make the important decisions in your life, but our content is not financial advice. Your personal situation is unique to you.  We never allow our advertisers to influence our opinions, analysis or influence our star rankings.

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