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Doggo pet insurance review Oct 2020

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With round-the-clock support, customer experience and policy perks are this company’s main draw.

  • Get a quote if you favor short waiting periods.
  • Pick something else if you need the cheapest policy you can find.

Dogs, Cats

Pets covered

From 8 weeks old to No upper limit

Age

$100 to $500

Deductible

From 70% to 90%

Reimbursement

Details

Average monthly cost $40
In-network only No
Types of policy Accident, Illness
Chronic disesase Yes
Cancer coverage Yes
Dental coverage Not Offered
Multi-pet discount
Bundling discount
Paid in ful

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Doggo offers all the coverage you need plus some, giving you the freedom to treat your dog’s or cat’s aggression, anxiety or dental problems. Its customer service availability also adds a major plus — that way you can find answers to your policy questions any time of day.

On the other hand, you won’t be able to file claims conveniently through an app, and you might find a cheaper policy with the same or more coverage elsewhere. For pricing, your location and out-of-pocket costs make a major difference with Doggo.

Try a quote with Doggo and then compare with other pet insurance companies to find the right match.

How much is Doggo pet insurance?

Expect to pay anywhere from $40 to $80 per month for your dog, or $20 to $40 for your cat. These premiums trend on the pricey side for pet insurance, although location is a major factor with Doggo.

You’ll pay around $20 for cats or $40 for dogs with other pet insurance companies. Raising your out-of-pocket costs can make a huge difference if you need cheaper premiums with this company.

BreedAgeGenderDeductibleReimbursementMaximum benefitMonthly rate
CatDomestic shorthair2 yearsFemale$50070%$5,000$18.94
CatDomestic shorthair2 yearsFemale$25090%$10,000$40.18
DogMixed breed – medium size2 yearsFemale$50070%$5,000$38.42
DogMixed breed – medium size2 yearsFemale$25090%$10,000$78.39

Which discounts can I get?

You can snag a 10% discount for every pet you insure with this company.

How do I sign up?

Doggo claims that you can sign up in 90 seconds through its online quoting tool. Get started with these steps:

  1. From the homepage, click Get a Quote.
  2. Enter your pet’s name and choose whether they’re a dog or cat. Click Let’s go!
  3. Fill in your ZIP code, breed, birth date and your email address, clicking to continue as you go.
  4. View your quote and adjust your deductible and reimbursement. You can also add coverage or other pets. Click Continue.
  5. Review and edit your coverage options. If you like your quote and coverage, tap to continue.
  6. Fill in your payment information and review your details. Then, finalize your pet insurance purchase.

Pros and cons of Doggo pet insurance

Pros

  • Extra coverage. Additional protection for dental illnesses, behavioral treatments and holistic care come standard.
  • No special waiting periods. Most companies require a separate waiting period for conditions like hip dysplasia. Doggo keeps all its waiting periods the same length — 15 days.
  • 24/7 live chat. Get your policy questions answered quickly through chat support.
  • Few complaints. Few bad reviews suggest that Doggo’s customers are happy with their experience.

Cons

  • Expensive pricing in some areas. If you live in a large metro area like New York City, you might not get the best pricing compared to competitors.
  • No app. Most pet insurance companies provide an app to access your account and file claims on the go. Doggo does offer an online customer account, though.
  • No accident-only policies. The company doesn’t advertise this basic type of policy, so you’ll have to look elsewhere if you don’t need illness coverage.

Doggo pet insurance reviews and complaints

Doggo receives a 4.2 out of 5 star rating on Trustpilot as of September 2020. However, you won’t find many customer reviews on this or other review sites. One reason for the lack of reviews is that Doggo doesn’t back its own insurance products directly.

Doggo, a Crum & Forster-backed company

Doggo is underwritten by the Crum & Forster group of companies, a trademark of the United States Fire Insurance Company.

Crum & Forster Pet Insurance has an A+ business rating with the Better Business Bureau (BBB). The BBB has received a handful of complaints and poor reviews, not enough to show concern about the company’s business practices.

Along with this rating, United States Fire Insurance holds a 0.39 rating on the 2019 National Association of Insurance Commissioners complaint index. The index scores businesses based on their number of complaints compared to the policies underwritten. Anything below 1.00 shows a below average number of complaints.

What pet insurance coverage does Doggo offer?

Doggo protects your pup or cat for a variety of standard conditions, plus a few that aren’t common with every pet insurance company.

  • Accidents. Whether you’re the parent of a mischievous pet or one that’s simply prone to accidental situations, you can get reimbursed for related vet costs.
  • Cancer treatment. Since many pet breeds risk this condition as they get older, Doggo covers chemotherapy, radiation and stem cell therapy, among other treatments for cancer.
  • Chronic conditions. You can claim recurring health problems like diabetes or arthritis on your policy.
  • Diagnostics. Find out exactly what’s ailing your dog or kitty with coverage for blood tests, X-rays, MRIs, CT scans and ultrasounds.
  • End-of-life expenses. If you have to euthanize your dog or cat for humane reasons, your policy covers the euthanasia, cremation or burial procedures. This doesn’t include funeral items like a casket.
  • Exam fees for covered conditions. If your furry friend is visiting the vet for a condition covered by your policy, the exam fee is covered.
  • Hereditary or congenital conditions. Genetic conditions or health problems that your pet was born with are covered as long as your furry friend doesn’t show signs before your waiting period ends.
  • Hospitalization and emergency services. If you feel the need to rush Fido to an emergency clinic, rest easy knowing that your policy helps with the finances.
  • Illnesses. Different sicknesses pop up over time and can range from minor to serious. Your policy can cover a number of unexpected conditions.
  • Prescription medication. If your vet prescribes medicine for a situation that’s covered by your policy, your pet insurance covers the medicine too.
  • Rehabilitation. Help your pet get better after an injury, illness or medical procedure with treatments like physical therapy.
  • Surgery. You’re covered if your pet gets in an accident or experiences an illness that requires surgery.

What extra benefits and add-ons does Doggo offer?

Not every insurer covers these conditions and treatments for your cherished dog or cat. Doggo includes this coverage at no extra cost to you:

  • Dental illness. Gain peace of mind over common canine dental conditions like gingivitis, a category not every pet insurer covers.
  • Behavioral treatments. Unlike many other policies, you can cover behavioral treatments for separation anxiety or aggression with Doggo.
  • Alternative treatments. Alternative or holistic types of treatments include telemedicine vet calls or stem cell therapy.
  • Microchipping. Your policy will pay for a vet to implant a microchip — helping you search for your pet if they get lost or run away.

A few other features and coverage options are included:

  • Live chat. Send your questions Doggo’s way through its 24/7 live chat feature for quick answers with no phone time.
  • Coverage in the US, Canada and Puerto Rico. Choose the licensed vet that you prefer in any of these three countries.
  • Preventive care. Add on coverage for routine services like spaying or neutering, vaccinations and dental cleanings. You’ll pay an extra $25 per month.

What’s not covered?

The company lists a number of situations that won’t be covered by your policy. Those include:

  • Pre-existing conditions.
  • Cosmetic or elective procedures.
  • Routine care like annual vet exams or dental cleanings.
  • Grooming and boarding.
  • Spaying or neutering.
  • Conditions caused by organized fighting, racing, law enforcement or personal protection.
  • Breeding and pregnancy.
  • Experimental treatments.
  • Funeral services and memorial items.
  • Vet house-call fees.
  • Nonmedical supplies like pet food or training devices.
  • Vitamins and supplements.

Alternatives to Doggo pet insurance

While Doggo offers solid coverage and benefits, see how its features stack up to other companies. That way you can find the right policy for your furry friend.

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
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Frequently asked questions about Doggo pet insurance

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