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Name	Product	Pets covered	Seniors accepted	Hereditary conditions	Chronic illness
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...
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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How much does dog insurance cost?

You can expect to pay around $40 a month for dog insurance. However, your insurance premium depends on a variety of factors about your dog and chosen coverage:

• Age. Very young or old dogs have a higher risk for accidents and illness, leading to a higher possibility for filing a claim. In addition, your dog’s age at the start of your policy may make a difference.
• Gender. Gender can play a large part in the health risks for some breeds.
• Size. Larger dogs may have higher costs for treatment and medication, leading to higher insurance costs.
• Health. Many insurers offer lower premiums for neutering or spaying, for example, since these procedures can significantly reduce your dog’s health risks.
• Breed. Purebred dogs tend to suffer more health problems than mutts, making them more expensive to insure.
• Type of coverage. A plan that includes coverage for all risks or includes add-ons will cost more than an accident-only policy.
• Annual limit, copayment and reimbursement. The amounts you choose to pay out of pocket influences how much your policy costs.

What does dog insurance cover?

You can cover a variety of medical bills depending on the type of policy you purchase. Those include:

Wellness plan

A reward or reimbursement plan for routine and preventative care that may include:

Pet ownership

Safeguards you from unforeseen incidents and liability because you adopted a furry friend, which can cost you more than $5,000 overall. Those include:

• Liability. Includes injuries to others such as dog bites, plus damage to someone’s personal property.
• Advertising and reward. Reimburses the costs of advertising for your lost dog and paying the reward if returned to you.
• Boarding fees. Pays room and board for your pet if you’re hospitalized for an accident or illness.
• Vacation cancellation. Defrays the cost of cancelling a vacation trip if your dog needs emergency treatment.
• Burial or cremation. Covers funeral costs up to a certain amount.

What’s not covered by pet insruance?

You’ll come across several exclusions with dog insurance. However, check your policy for exclusions specific to each insurer before buying coverage. Common exclusions include:

• Pre-existing conditions
• Breeding or pregnancy
• Malicious injuries that you or another person or pet living in your home causes
• Fighting or racing incidents
• Cosmetic procedures, unless deemed medically necessary
• DNA testing or cloning

What limitations should I watch out for?

Your dog insurance may have a few rules to abide by in order to get coverage, like:

• Age limits. Most policies only cover dogs older than six or eight weeks old, although some insurers have plans for puppies. Also, older dogs might only qualify for accident-only insurance unless they were covered before a certain age. A common age limit for older dogs getting a more comprehensive policy is 15 years old.
• Exam fees. Insurers differ on whether they cover the exam or consultation fees, even if it’s for a covered accident or illness. You might look for a policy that offers this coverage, so you’re not paying out of pocket.
• Waiting periods. Each policy has waiting periods before you can use your coverage for certain conditions. You might wait three to five days for accident coverage and up to 30 days for illnesses, for example. Some policies have specific waiting periods for injuries like cruciate ligament tear, for example.
• Wellness visits. Your policy probably doesn’t cover routine checkups unless you buy a specific wellness plan or include wellness coverage.
• Alternative therapies. Insurers may include alternative therapy such as massage, behavioral training or acupuncture in all-risk policies or only through a wellness plan. Others may not cover alternative therapies at all.

Frequently asked questions about dog insurance

• Will insurers cover any dog breed?

  Most insurers don’t have dog breed restrictions. However, your premium may go up if your dog’s breed has a higher risk of health problems, such as pugs, bulldogs and labs.

• How do I know if my veterinarian takes my insurance?

  Most veterinarians don’t work with insurance networks. You should pay your vet bill upfront and file a claim with your dog insurance policy for reimbursement.

• Do I need liability coverage for my dog?

  It depends. You might want liability coverage if you have reason to believe your dog might cause expensive injuries or damage to other people or property. However, if you have another insurance policy that already covers this liability like farm insurance, you might opt out of additional coverage.