Compare pet insurance for working dogs

You can find pet insurance for a working or service dog, although not every insurance company covers them. Depending on the dangers involved with your pup’s work, you might consider extra coverage for injuries, liability or routine care. On the other hand, service dogs who perform low-risk tasks may need standard coverage.

Can working dogs get pet insurance?

Yes, most working dogs can get pet insurance. However, some insurance companies exclude coverage for pets with an occupation or for injuries related to that occupation. If you want to buy a policy, look for companies who will include working dogs.

You can contact customer service to find out its policy before buying insurance. A few companies may allow coverage if you declare your pet’s occupation ahead of time.

What coverage do working dogs need?

Because your canine acts as both a friend and a working buddy, yours may need wider coverage than the average pup. Coverage to consider:

• Accident and illness. Look for plenty of coverage to protect your pup’s working situation, especially if they’re at high risk for an accident. But consider illness coverage to keep your dog in champion shape so they don’t miss working days.
• Routine care. If you like staying on top of preventive care, a routine care policy could roll those costs into a monthly bill. Consider if you’ll use most of the benefits offered.
• Pet liability. You may need coverage for injuries or damage your dog causes to other people and their property. But since the damage would be work-related, you could check if your employer’s business insurance covers this risk first.
• Breeding and pregnancy. You could find this helpful if you plan to preserve your dog’s pedigree or if your dog works as a breeding dog.
• Lost pet. This optional coverage can help you recover your dog after getting lost. Some policies also reimburse you for your dog’s value.

Compare pet insurance for working dogs.

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Name	Product	Pets covered	Seniors accepted	Hereditary conditions	Chronic illness
Wagmo		Dogs, Cats				Get 100% of your vet bill reimbursed on covered accidents, injuries and illnesses for as little as $13/month.	Get quotes		loading Fetching your data...
Pawp		Dogs, Cats				For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.	Get quotes More Info		loading Fetching your data...
Petplan		Dogs, Cats				Cover unexpected vet bills from emergency exams, injuries, surgery and more.	Get quotes More Info		loading Fetching your data...
Embrace		Dogs, Cats				Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.	Get quotes More Info		loading Fetching your data...
Pet Assure		Dogs, Cats, Horses				Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.	Get quotes More Info		loading Fetching your data...
Pets Best		Dogs, Cats				Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.	Get quotes More Info		loading Fetching your data...
PetFirst		Dogs, Cats				Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.	More Info		loading Fetching your data...

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Pet insurance for by service dog occupation

Your canine friend can endure many injuries or illnesses while working beside you in the trenches. The dangers — and the protection needed — vary based on your dog’s occupation.

Service dogs

A service dog is any dog trained to perform tasks that help with a person’s disabilities. These dogs may help their owners identify important sounds, navigate or balance while walking, remind them to take medicine or even help during medical emergencies.

These dogs may benefit from accident coverage in case they suffer injuries while trying to help their owners. For example, a dog might suffer a leg injury while looking for someone to help with a medical emergency. Illness and wellness coverage can also keep these dogs in good health. Despite the wide coverage, you can cover your service dog’s insurance costs in creative ways to make them more affordable.

Guide dogs

A guide dog is a service dog that helps people with hearing or sight impairments. These dogs may help people navigate while walking around or draw attention to important sounds. The main risk for these dogs may involve injuries from other people or traffic on crowded streets. Guide dogs can also benefit from wellness or illness coverage to keep them in top condition for their work.

Emotional support dogs

Emotional support dogs are officially certified to provide comfort for their owners’ emotional needs. Because these dogs don’t perform special tasks, they may need standard pet insurance.

Herding and hunting dogs

Herding dogs help their owners drive a group of animals like cattle or sheep. They may round up the animals for vet checkups, feedings or transporting to another owner or location.

Hunting dogs may help their owners track quarry and dig for animals that burrow underground. They may also alert their owners when game is near.

Both herding and hunting dogs can suffer animal bites, cuts, fractures or broken bones, parasite infections and illnesses from working around other animals. An accident and illness policy can serve these active pups well, and wellness coverage can keep them in superior shape.

Police dogs

Police dogs support law enforcement work by tracking down specific scents or assisting with a police chase. These dogs face a variety of injuries from strained muscles and joints, cuts, fractures or broken bones and gunshot wounds. These hazards may be covered under business insurance for the police station. If not, a few companies offer coverage for these working dogs.

How much is pet insurance for working dogs?

You might pay anywhere from $30 to $50 per month to insure many breeds used for work, such as Golden Retrievers or German Shepherds. However, some companies may charge extra for certain pup occupations.

A few other factors that may affect your dog’s premium:

• Your dog’s size
• Breed, especially purebreds and those with hereditary conditions
• Cost of vet care at your location
• Type of work your dog performs

Bottom line

Working dogs can face a variety of accidents and injuries while performing special tasks for their owners. To make sure your dog serves you for a long time, consider which pet insurance gives the best protection for their needs.

Questions about pet insurance for working dogs

• Are there pet insurance companies that specialize in working dogs?

  Yes, you can find a few specialized companies for working and service dogs. However, several standard pet insurance companies cover working dogs if you declare their work before buying coverage.

• Does pet insurance cost more for service dogs?

  Not necessarily. Because service dogs often perform simple, low-risk tasks for their owners with disabilities, you might expect a standard premium for these pups.

• Does pet insurance cover traveling with my working or service dog?

  Each pet insurance company may have its own policy about covering travel. Some companies may exclude this situation since traveling increases the risk of your pet getting injuries or illnesses.

  If you contact your pet insurance and cannot receive this coverage, you can search for travel insurance policies with pet coverage. Some car insurance companies also offer optional coverage for pet injuries if you travel by car.