Best Pet Insurance For Dogs In America
What is the Best Pet Insurance Company for Dogs?The best pet insurance company for dogs is Odie Pet Insurance. Some owners value low monthly premiums, while others prioritize comprehensive coverage, fast claims processing, or coverage for chronic conditions. Choosing the best provider depends on whether you value affordability, flexibility, or long-term care support.
Provider
Best For..
Notable Feature
Odie
Overall Value and Flexibility
2-day accident coverage, fully customizable policies
Lemonade
Budget-Friendly Plans
Plans from $10/month, Ai-powered fast claims
Figo
Shortest Accident Waiting Period
1-day accident coverage, 24/7 live vet chat
Spot
Customizable Coverage
Deductibles from $100, full policy control
Embrace
No Annual Coverage Limits
Optional unlimited annual coverage, holistic care
HealthyPaws
Fast Claims Processing
Claim processed in ~2 days, simple mobile tools
Pets Best
No Age Limits
Covers senior dogs with 24/7 vet access
Trupanion
Direct Vet Pay
Pays vet directly at checkout, no reimbursement delays
Fetch
Boarding Fee Coverage
Covers boarding fees if owner is hospitalized
Best Pet Insurance for Dogs Overall: OdieOdie Pet Insurance is the best-kept secret in the dog insurance world — but not for long. Tucked away behind the giants of the industry, Odie is quietly redefining what top-tier, affordable, and customizable dog insurance should look like. While older providers rely on outdated models and overpriced plans, Odie offers modern, tech-forward coverage that blends transparency, value, and unmatched personalization — making it the perfect fit for today’s dog owners who want smart protection without the fluff. They make insurance human. No confusing jargon. No bait-and-switches. Just honest coverage that works.
Best Budget Pet Insurance for Dogs: LemonadeLemonade Pet Insurance is redefining what budget-friendly coverage should look like — sleek, affordable, and shockingly comprehensive. With plans starting as low as $10/month, Lemonade proves that low cost doesn’t have to mean low value. Powered by AI-driven claims and a fully digital experience, it offers lightning-fast reimbursements, customizable options, and a modern, app-first interface that today’s dog parents love.
Best Pet Insurance with Short Waiting Periods for Accident Coverage: FigoFigo Pet Insurance is the go-to choice for pet parents who refuse to wait when accidents strike. With one of the industry’s shortest accident waiting periods — just 1 day — Figo stands out as the insurer that acts fast when your dog needs care the most. Add to that their sleek mobile app, customizable plans, and 24/7 live vet chat, and you’ve got a provider that delivers instant peace of mind. If speed matters, Figo is the fast-acting friend every dog deserves.
Best Pet Insurance for Coverage Customization: SpotSpot Pet Insurance is the ultimate “build-your-own-policy” provider for dog owners who crave flexibility. From deductible choices as low as $100 to customizable annual limits and reimbursement rates, Spot lets you tailor your plan to match your dog’s needs and your budget. Whether you want basic accident protection or full-blown wellness add-ons, Spot adapts — not the other way around. If one-size-fits-all isn’t your style, Spot delivers the personalization that turns good coverage into perfect coverage.
Best Pet Insurance for No Annual Coverage Limit: EmbraceEmbrace Pet Insurance breaks the ceiling on coverage — literally. With its optional unlimited annual benefits, Embrace is ideal for dog owners who want complete peace of mind, especially for breeds prone to chronic or high-cost conditions. There’s no cap to hold you back, just expansive protection that grows with your dog’s needs. Pair that with top-rated customer service, coverage for alternative therapies, and a vanishing deductible feature, and it’s clear: when it comes to limitless care, Embrace leads the pack.
Best Pet Insurance for Fast Claims Processing: Healthy PawsHealthy Paws Pet Insurance is the speed champion when it comes to claims. Known for processing most claims within two business days, they’ve built a reputation for delivering lightning-fast reimbursements without the red tape. No confusing paperwork, no delays — just a streamlined digital experience backed by stellar customer service. For dog owners who value quick support when emergencies strike, Healthy Paws ensures your finances recover as fast as your furry friend does.
Best Pet Insurance for No Age Limits: Pets BestPets Best throws age restrictions out the window — because every dog deserves care, no matter their years. Unlike many providers that limit coverage for senior pets, Pets Best welcomes dogs of all ages with open arms and robust protection. Whether you’re insuring a brand-new puppy or an aging companion, their inclusive policies, 24/7 vet helpline, and flexible plan options ensure your dog gets the care they need, whenever they need it. For lifelong coverage without barriers, Pets Best truly lives up to its name.
Best for Direct Pay: TrupanionTrupanion removes the middleman and pays your vet directly — no reimbursements, no waiting. Their patented direct pay system is a game-changer, covering up to 90% of eligible costs at checkout so you can focus on your dog’s care, not your credit card. Especially powerful in emergencies, Trupanion’s real-time payment system means less paperwork, less stress, and more trust between you, your vet, and your insurer.
Best Pet Insurance for Boarding Fee Coverage: Fetch by The DodoFetch by The Dodo offers a level of lifestyle coverage that most insurers overlook — including boarding fees if you’re hospitalized. This makes it an ideal choice for dog owners who want truly comprehensive protection, not just for their pets, but for their peace of mind. Alongside robust accident and illness coverage, Fetch includes perks like vacation cancellation protection and virtual vet visits. It’s more than insurance — it’s full-circle support for your dog and your life.
How much is pet insurance for dogs on average?In 2025, the average monthly cost of pet insurance for dogs ranges from $35 to $75, depending on your dog’s breed, age, location, and the type of plan you choose.
Accident-Only Plans: ~$20–$35/monthAccident & Illness Plans: ~$40–$70/monthComprehensive Plans with Wellness: ~$60–$90/monthLemonade starts as low as $10/month for basic accident coverage — ideal for budget-conscious owners.Odie averages $30–$50/month, with full customization to keep premiums lean.Embrace and Trupanion trend higher at $60+/month, but offer robust coverage with fewer exclusions.Bottom line? Most dog owners can expect to spend around $50/month for solid, mid-tier coverage — a small price for big peace of mind.
How much is full coverage pet insurance?In 2025, full coverage pet insurance for dogs typically costs between $60 and $100 per month. This level of protection includes everything from emergency and accident care to chronic illness treatments, diagnostics, surgeries, prescription medications, and often wellness care like vaccines and dental cleanings.
Best Rated Pet Insurance for Dogs from RedditWhen it comes to real-world experience, Reddit is where dog owners tell it like it is — and a few pet insurance companies rise above the rest. According to hundreds of threads and first-hand testimonials across r/dogs, r/pets, and r/petinsurance, the top-rated plans for dogs consistently come from Odie, Trupanion, and Healthy Paws.
Odie earns love for its transparent pricing, flexible options, and fast onboarding — praised as a “hidden gem” by budget-conscious Redditors.Trupanion is the go-to for emergency peace of mind, with direct vet pay and no reimbursement stress — especially appreciated by pet parents with high-risk breeds.Healthy Paws gets frequent praise for its lightning-fast claims and exceptional customer service, making it a staple in Reddit’s most upvoted pet insurance recommendations.PET INSURANCE WHERE YOU LIVE
Pet insurance by state.
With a Pet Insurance policy you can protect your cat or dog’s health.
Should anything happen to your fur babies at home or away pet health insurance will cover them.
Best Pet Insurance for PuppiesPuppies are adorable, unpredictable, and expensive — which makes early insurance coverage a must. The best pet insurance for puppies combines affordability, fast activation, wellness add-ons, and long-term flexibility to grow with your dog.
In 2025, Odie, Embrace, and Lemonade lead the pack:
Odie offers short waiting periods and customizable wellness coverage, making it a perfect fit for puppies with fast-growing needs.Embrace provides coverage for breed-specific hereditary issues and features a unique “vanishing deductible” — ideal for young, healthy pups.Lemonade is great for budget-focused pet parents, offering preventative care add-ons and a slick digital experience from day one.Start early, save big, and keep your puppy protected through every zoomie, tumble, and tail-chase. These providers make it easy — and smart — to insure your pup from the start.
What is the highest rated pet insurance?When it comes to consistent 5-star reviews, customer satisfaction, and long-term reliability, three names dominate the rankings: Odie, Healthy Paws, and Trupanion. These providers aren’t just popular — they’re praised across consumer review sites, Reddit threads, and industry watchdogs for doing what matters most: showing up when pet parents need them.
Odie is climbing the charts fast, known for its balance of affordability and customizable coverage. It’s being hailed as the “highest rated newcomer” by users seeking value without compromise.Healthy Paws has earned years of top marks for its unmatched claim speed, transparency, and compassionate service.Trupanion wins big with lifetime coverage, no payout caps, and direct-to-vet payment, which pet owners call “a financial lifesaver” during emergencies.If you’re looking for the top of the top — these are the highest rated for a reason. Trusted, proven, and pet-parent approved.
How much should you spend on pet insurance for a dog?Most dog owners in 2025 should expect to spend between $40 and $70 per month on pet insurance, depending on their dog’s age, breed, and health needs. If you’re insuring a puppy or a healthy adult dog, a mid-tier plan like Odie’s customizable coverage often delivers the best balance of cost and protection. For senior dogs or breeds prone to chronic conditions, spending closer to $75–$100 with providers like Embrace or Trupanion can offer long-term value by minimizing out-of-pocket expenses down the road.
What is the best level of pet insurance?The most recommended option is Accident & Illness coverage with customizable deductibles and optional wellness add-ons. This level gives you protection for everything from broken bones to cancer treatment, while also allowing preventive care like vaccinations and dental cleanings to be included.
What is the best level of pet insurance for dogs?For adult dogs, the best level of pet insurance is a comprehensive Accident & Illness plan with a moderate deductible and at least 80% reimbursement. This strikes the ideal balance between monthly affordability and broad protection against everything from injuries to chronic illnesses.
What is the best level of pet insurance for puppiesFor puppies, the best coverage includes Accident & Illness with wellness add-ons. Young dogs need early protection not just for accidents, but also vaccinations, flea/tick prevention, and routine vet visits.
What type of coverage is best for pet insurance?The best type of pet insurance coverage is a comprehensive Accident & Illness plan with optional wellness benefits. This level of protection covers the most common and costly veterinary needs — from emergency surgeries and infections to cancer treatments and chronic conditions — while also allowing you to add routine care like vaccinations, annual exams, and dental cleanings. Accident-only plans may be cheaper, but they leave gaps that can cost thousands if your dog develops a serious illness.
Dog Insurance PlansDog insurance plans in 2025 generally fall into three categories: Accident-Only, Accident & Illness, and Comprehensive Coverage with Wellness Add-Ons. Each plan type offers a different level of protection and price point, allowing dog owners to match coverage to their pet’s needs and their own budget.
Plan Type
What It Covers
Best For..
Typical Monthly Cost
Example Providers
Accident-Only
Injuries, accidents, toxic ingestion, broken bones
Young, healthy dogs; budget conscious owners
$20-$35
Lemonade, Figo
Accident & Illness
Accidents plus illnesses like infections, cancer, hereditary conditions
Most dogs; Balanced cost and coverage
$40-$70
Odie, Embrace, Spot
Comprehensive (with Wellness)
Everything in Accident & illness + preventive care like vaccines, dental, and wellness exams
Owners wanting full piece of mind and routine care coverage
$60-$90
Odie, Embrace, Lemonade
What is the typical monthly cost of pet insurance?In 2025, most dog owners pay between $40 and $70 per month for quality pet insurance. Budget plans start around $20, while full coverage with wellness can reach $90 or more. The sweet spot? Customizable Accident & Illness plans from providers like Odie and Spot that deliver top-tier protection without the premium price tag. It’s affordable peace of mind — and for most, worth every penny.
What is the best dog insurance?The best dog insurance in 2025 is Odie — a rising favorite for its rare mix of affordability, flexibility, and fast coverage activation. While legacy brands lean on reputation, Odie wins with real-world value: customizable plans, short waiting periods, and wellness options that adapt to your dog’s needs. For pet parents who want modern insurance that actually works for them, Odie is the top pick that more and more dog owners are switching to.
What is the cheapest dog insurance?In 2025, the cheapest dog insurance comes from Lemonade, with plans starting as low as $10 per month for basic accident coverage. It’s ideal for budget-conscious owners who want emergency protection without the extra frills. While coverage is limited, it’s fast, digital, and surprisingly efficient — making Lemonade the go-to for low-cost peace of mind.
Does free pet insurance exist?Truly free pet insurance is rare, but short-term coverage does exist — usually as a perk, not a plan. Some adoption centers and rescues offer 30-day accident-only policies, and a few providers include limited trials with new signups. While it won’t replace full coverage, it’s a helpful buffer for new dog owners until a permanent plan kicks in.
How can I pay less for pet insurance?To lower your pet insurance costs, customize your plan — and know where to look. Choose a higher deductible, reduce your annual limit, or opt for accident-only coverage if your dog is young and healthy. Insurers like Odie and Spot offer flexible plans that let you fine-tune pricing, while multi-pet discounts and wellness bundling can drive monthly premiums down even further.
Does ASPCA offer unlimited pet insurance?No, ASPCA Pet Insurance does not offer unlimited coverage. Their plans come with annual benefit caps, typically ranging from $5,000 to $20,000. While the coverage is solid and includes hereditary conditions and alternative therapies, it lacks the no-limit flexibility found in providers like Embrace or Trupanion — making ASPCA a reliable, but not limitless, option.
Is it worth it having insurance for a dog?Yes — pet insurance is absolutely worth it for most dog owners. From surprise accidents to chronic illnesses, vet bills can skyrocket without warning. Insurance turns those unpredictable costs into manageable monthly payments, helping you avoid painful financial decisions during emergencies. Whether it’s a broken leg or lifelong allergies, having coverage means your dog gets the care they need — and you get peace of mind when it matters most.
Pet Health Insurance for DogsPet health insurance for dogs is more than emergency coverage — it’s a safety net for their entire life. From routine care to chronic illness management, today’s top providers offer plans that protect against rising vet costs and evolving health needs. Brands like Odie, Embrace, and Trupanion lead the way with customizable options, lifetime condition coverage, and fast claims processing. For dog owners who want dependable care without financial surprises, pet health insurance is a smart, long-term investment.
Does Pet Insurance Pay You or the Vet?Most pet insurance plans reimburse you — but a few can pay the vet directly. Typically, you pay the vet upfront, submit a claim, and get reimbursed within days. However, providers like Trupanion offer real-time vet payments at checkout, eliminating out-of-pocket stress in emergencies. If you prefer avoiding reimbursements, choosing a provider with direct pay can make the process faster, easier, and more affordable when it counts most.
What Is Pet Insurance?Pet insurance is a policy that helps cover the cost of veterinary care, protecting you from unexpected medical bills. Like health insurance for humans, it reimburses you for covered treatments, surgeries, medications, and even wellness visits, depending on the plan. It’s designed to give pet owners financial peace of mind and ensure pets get the care they need, no matter the cost.
Types of Pet InsuranceThe main types of pet insurance include Accident-Only, Accident & Illness, and Comprehensive plans with wellness add-ons. Accident-Only covers injuries like fractures and ingestion; Accident & Illness includes treatment for diseases and chronic conditions; Comprehensive plans also include routine care like vaccines and dental cleanings. The right type depends on your budget and your dog’s health profile.
Pre-existing ConditionsMost pet insurance plans do not cover preexisting conditions — illnesses or injuries your dog had before your policy started. However, some providers distinguish between curable and incurable conditions, offering coverage for issues that have been symptom-free for a set time. It’s critical to enroll your dog early to avoid exclusions.
Covered AnimalsWhile most pet insurance plans focus on dogs and cats, some providers also cover exotic pets like birds, rabbits, and reptiles. For dog owners, nearly all major providers — including Odie, Spot, and Embrace — offer customizable plans to fit breed-specific needs, age, and health risks.
What are Pet Insurance Premiums?Premiums are the monthly cost of your insurance policy and are influenced by your dog’s age, breed, location, and coverage level. Younger, healthier dogs usually have lower premiums, while older dogs or high-risk breeds may cost more. Providers like Odie and Lemonade offer highly customizable plans that help manage premium costs without sacrificing essential coverage.
How Does Pet Insurance Work?Pet insurance works by reimbursing you for eligible veterinary expenses after you’ve paid the vet. Once you choose a plan, you’ll pay a monthly premium. When your dog needs care, you pay the bill, submit a claim, and the insurer reimburses a percentage (usually 70%–90%) after the deductible is met. Some providers, like Trupanion, offer direct vet pay, skipping the reimbursement step entirely. It’s a simple way to turn big, unexpected costs into predictable, manageable payments.
How To Find the Best Pet Insurance for DogsFinding the best pet insurance starts with understanding your dog — not just comparing providers. Every breed, age, and lifestyle brings different risks and priorities, so the right plan is the one tailored to your dog’s specific needs and your budget. With so many customizable options from top insurers like Odie, Embrace, and Spot, the real key is knowing what matters most for your pup.
Consider your dog’s potential health issuesBreed-specific conditions, age, and medical history play a major role in the coverage you’ll need. Large breeds may face joint issues, while others are prone to allergies or heart disease. Choose a plan that covers hereditary and chronic conditions early — before symptoms appear — to avoid exclusions.
Think about your dog’s lifestyleActive dogs, adventure dogs, and social dogs face more accident risks — and need broader coverage. Meanwhile, indoor or older dogs may benefit more from illness protection and wellness care. Matching your plan to your dog’s daily life helps you get the most value without overpaying for things you’ll never use.
Calculate your dog’s routine care expensesIf you’re regularly paying for vaccines, dental cleanings, flea meds, or wellness checkups, adding a wellness plan may save money long-term. Providers like Odie and Spot offer optional add-ons that make preventive care more affordable and predictable — especially for puppies and seniors.
Pet Insurance Coverage Made SimpleCompare Free Quotes & Get a Policy in Minutes.
How To Buy a Pet Insurance PlanBuying pet insurance is easier than ever — and takes just a few simple steps. With online tools and customizable plans from top providers like Odie, Lemonade, and Embrace, you can compare, apply, and get covered in under 10 minutes. The key is knowing what to look for — and acting before health issues arise.
1. Review pet insurance companies and ratesStart by comparing trusted providers based on coverage, price, waiting periods, and customer reviews. Look for plans that align with your dog’s health risks and your budget. Sites like Reddit, Trustpilot, and consumer review platforms offer real, unfiltered feedback from fellow pet parents.
Company
Coverage Amts
Ded. Options
Reimb.
Options
Multi-Pet Discount
Avg Mo. Cost
Accident Waiting Period
Illness Waiting Period
Odie
$5,000/
$10,000/
Unlimited
$100/$250/$500
70% / 80% / 90%
5%
$30-$50
2-days
14 days
Lemonade
$5,000/$10,000/$20,000/$50,000/$100,000
$100/$250/
$500
70% / 80% / 90%
5%
$10-$35
2-days
14 days
Figo
$5,000/$10,000/Unlimited
$100/$250/$500/$750
70% /80% /90% / 100%
5%
$45-$70
1-day
14 days
Spot
$2,500/
$3,000/
$4,000/ $5,000/
$7,000/
$10,000/
Unlimited
$100/$250/$500/$750/$1000
70% / 80% / 90%
10%
$40-$65
14-days
14 days
Embrace
$5,000/
$8,000/
$10,000/
$15,000/
Unlimited
$100/$250/$500/$750/$1000
70% / 80% / 90%
10%
$50-$70
2-days
14 days
Healthy Paws
Unlimited
$100/$250/
$500
70% / 80% / 90%
NONE
$60-$90
1-2 days
15 days
Pets Best
$5,000/
Unlimited
$50/$100/$200/$250/$500/$1,000
70% / 80% / 90%
5%
$35-$55
3-days
14 days
Trupanion
Unlimited
$0-1,000
(in $5 increments)
90%
NONE
$70-$100
immediate
30 days
Fetch by Dodo
$5,000/
$15,000/
Unlimited
$250/$300/$500/$700/$1,000
70% / 80% / 90%
10%
$45-$65
15-days
15 days
MetLife
$5,000/
$10,000/
$25,000/
Unlimited
$50/$100/$250/$500/$1,000
70% / 80% / 90%
10%
$30-$60
0-2 days
14 days
2. Apply for a policyOnce you’ve chosen a provider, complete an online application. You’ll enter your dog’s details — breed, age, health history — and choose your deductible, annual limit, and reimbursement rate. The more specific you are, the more accurate your quote.
3. Purchase coverageAfter applying, review the policy terms, confirm the waiting period, and activate your coverage. Keep a copy of your policy details and download the insurer’s app if available — most claims and vet communications are now handled digitally for faster service.
Best Pet Insurance for Dogs RedditRedditors don’t hold back — and when it comes to pet insurance, three names get consistent praise: Odie, Trupanion, and Healthy Paws. In threads across r/pets, r/dogs, and r/petinsurance, users highlight Odie as the best-kept secret, loved for its low costs, customizable coverage, and no-nonsense service. Trupanion stands out for direct vet payments and lifetime condition support, making it a favorite for breeds with chronic risks. Healthy Paws earns loyalty for its blazing-fast claims and exceptional customer support.
For Reddit’s dog-owning community, the best pet insurance is one that works when it really matters — and these providers prove it in real time, not just marketing copy.
FAQQ1: Is pet insurance really worth it for dogs?
Yes — it protects you from high, unexpected vet bills and ensures your dog gets care without delay. For many owners, it pays for itself after just one emergency.
Q2: What does pet insurance usually cover?
Most plans cover accidents, illnesses, surgeries, prescriptions, and chronic conditions. You can also add wellness coverage for routine care like vaccines and dental cleanings.
Q3: What isn’t covered by pet insurance?
Preexisting conditions, cosmetic procedures, and breeding-related issues are typically excluded. Always check the fine print.
Q4: How does the claims process work?
You pay the vet, submit your bill, and the provider reimburses you after your deductible is met. Some insurers, like Trupanion, pay the vet directly at checkout.
Q5: How soon does pet insurance start working?
Accident coverage usually kicks in within 1–3 days, while illness coverage often has a 14-day waiting period. Wellness add-ons may start immediately.
Q6: Can I use my insurance at any vet?
Yes — most pet insurance plans let you visit any licensed vet, specialist, or emergency clinic in the U.S.
Q7: What’s the best insurance for puppies or senior dogs?
Odie and Lemonade are top picks for puppies thanks to affordability and wellness options. Embrace and Pets Best are better for older dogs due to broad coverage and fewer age restrictions.
Q8: Can I get a discount for insuring multiple dogs?
Yes — many providers offer multi-pet discounts, typically 5–10%. Odie, MetLife, and Spot have some of the best multi-dog deals.
Q9: How do I pick the right coverage level?
Consider your dog’s age, breed, and lifestyle. Active or high-risk breeds benefit from comprehensive plans, while young, healthy dogs may only need accident coverage to start.
ABOUT THE AUTHOR | Sa El
Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.
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