Comprehensive Dog Insurance Comparison
24PetWatch
About: 24PetWatch specializes in plans covering accidents, illnesses, and some routine care. They offer unique lost pet recovery services and microchip registration.
Starting Price: $35/month
Deductible: $100 - $1,000
- Includes microchip registration
- Lost pet recovery services
- Comprehensive coverage options
Pros:
- Comprehensive coverage for accidents and illnesses
- Unique recovery services
Cons:
- Higher premiums compared to competitors
- Limited routine care options
AKC Pet Insurance
About: Backed by the American Kennel Club, AKC Pet Insurance offers customizable plans, including coverage for hereditary conditions and breeding dogs.
Starting Price: $25/month
Deductible: $100 - $1,000
- Customizable plan options
- Coverage for hereditary conditions
- Ideal for breeders and pedigree owners
Pros:
- Affordable premiums
- Customizable for specific needs
Cons:
- Does not cover pre-existing conditions
- Claims processing can be slower
Animalia
About: Animalia provides holistic pet care, offering coverage for accidents, illnesses, and alternative therapies like acupuncture and hydrotherapy.
Starting Price: $20/month
Deductible: $200 - $1,000
- Covers alternative therapies
- Affordable monthly premiums
- Comprehensive accident and illness plans
Pros:
- Holistic care options included
- Flexible and affordable plans
Cons:
- Routine care coverage is limited
- Shorter claim filing window
Fetch by The Dodo
About: Fetch offers robust accident and illness coverage with up to 90% reimbursement on vet costs and no upper age limit for coverage.
Starting Price: $35/month
Deductible: $250 - $1,000
- Up to 90% reimbursement
- No upper age limit
- Comprehensive coverage
Pros:
- High reimbursement rates
- No age restrictions for coverage
Cons:
- Higher premiums for older pets
- Routine care not included
Figo
About: Figo stands out with its cloud-based pet health management app and customizable insurance plans. Their 24/7 virtual vet access makes them ideal for tech-savvy pet owners.
Starting Price: $30/month
Deductible: $100 - $750
- Cloud-based pet health app
- 24/7 virtual vet access
- Customizable plans to suit your needs
Pros:
- Innovative tech integrations
- Comprehensive and flexible coverage options
Cons:
- Higher premiums for older pets
- Routine care not included
Healthy Paws
About: Healthy Paws is known for offering unlimited lifetime benefits with no caps on claims. Their plans are simple and comprehensive, making them a top choice for many pet owners.
Starting Price: $25/month
Deductible: $100 - $750
- Unlimited lifetime benefits
- No annual or lifetime caps
- Quick claims processing
Pros:
- No payout limits on claims
- Simple and comprehensive coverage
Cons:
- No routine or preventive care coverage
- Premiums can increase with pet age
Embrace Pet Insurance
About: Embrace offers customizable plans and a diminishing deductible feature that rewards claim-free years. Their Wellness Rewards add-on helps cover routine care costs.
Starting Price: $13/month
Deductible: $200 - $1,000
- Diminishing deductible rewards
- Wellness Rewards program for routine care
- Coverage for alternative therapies
Pros:
- Customizable plans to fit your needs
- Comprehensive wellness add-ons
Cons:
- Higher premiums for older pets
- Does not cover pre-existing conditions
Nationwide Pet Insurance
About: Nationwide is one of the largest pet insurers in the U.S., offering plans for dogs, cats, and exotic pets. Their wellness plans include coverage for routine exams and vaccinations.
Starting Price: $35/month
Deductible: $250 - $1,000
- Covers exotic pets as well as dogs and cats
- Optional wellness plans for routine care
- Comprehensive accident and illness plans
Pros:
- Coverage for exotic pets
- Wellness plans available for routine care
Cons:
- Premiums can be higher for older pets
- Claims processing times may vary
Fetch by The Dodo
About: Fetch by The Dodo provides extensive accident and illness coverage, offering up to 90% reimbursement with no upper age limit. Their focus is on covering unexpected medical costs for pets of all ages.
Starting Price: $35/month
Deductible: $250 - $1,000
- Up to 90% reimbursement on vet bills
- No upper age limit for coverage
- Comprehensive accident and illness plans
Pros:
- High reimbursement rates
- No age restrictions for pets
Cons:
- Higher premiums for older pets
- No routine care coverage
Pumpkin Pet Insurance
About: Pumpkin Pet Insurance emphasizes preventive care with wellness options that cover routine exams, vaccinations, and other essential treatments for pets. Their plans also feature high reimbursement rates.
Starting Price: $30/month
Deductible: $100 - $500
- Preventive care coverage available
- High reimbursement rates
- Comprehensive accident and illness plans
Pros:
- Includes coverage for wellness care
- Easy-to-understand plans
Cons:
- No coverage for alternative therapies
- Fewer customization options
Spot Pet Insurance
About: Spot Pet Insurance offers flexible plans with customizable deductibles and reimbursement levels. Their plans are designed to fit any budget, and they cover accidents, illnesses, and behavioral therapies.
Starting Price: $25/month
Deductible: $100 - $1,000
- Fully customizable coverage options
- No upper age limit for pets
- Behavioral therapy coverage included
Pros:
- Customizable plans for all budgets
- Comprehensive accident and illness coverage
Cons:
- No routine care included by default
- Claims processing can take time
Trupanion
About: Trupanion stands out with their direct payment system to veterinarians, removing the need for reimbursement claims. Their plans feature 90% coverage with no payout limits.
Starting Price: $59/month
Deductible: $0 - $1,000
- Direct payment to participating veterinarians
- 90% reimbursement on eligible claims
- No payout limits
Pros:
- Convenient direct payment system
- Comprehensive and straightforward plans
Cons:
- Higher premiums compared to other providers
- No routine care or exam fee coverage
TrustedPals
About: TrustedPals offers flexible pet insurance plans with customizable reimbursement rates and deductibles. Their policies are designed to cover pets of all ages, including older pets.
Starting Price: $20/month
Deductible: $100 - $750
- Flexible reimbursement and deductible options
- Covers pets of any age
- Comprehensive accident and illness coverage
Pros:
- Great flexibility in plan customization
- Coverage available for senior pets
Cons:
- Routine care not included
- Claims processing times may vary
ASPCA Pet Insurance
About: ASPCA Pet Insurance provides affordable and flexible plans, covering accidents, illnesses, behavioral therapy, and some wellness options. They are ideal for first-time pet insurance buyers.
Starting Price: $20/month
Deductible: $100 - $500
- Covers behavioral therapy
- Optional wellness care add-ons
- Affordable plans for basic coverage
Pros:
- Affordable entry-level premiums
- Behavioral therapy included in plans
Cons:
- Higher premiums for comprehensive plans
- Claims processing may take longer
Prudent Pet Insurance
About: Prudent Pet offers comprehensive and highly customizable plans, including wellness care add-ons and coverage for accidents and illnesses. They focus on providing peace of mind for pet owners.
Starting Price: $18/month
Deductible: $100 - $1,000
- Highly customizable plans
- Wellness coverage options available
- 24/7 vet helpline included
Pros:
- Flexible plans for any budget
- Wellness care add-ons available
Cons:
- Routine care requires an additional plan
- Premiums may increase with pet age
Odie Pet Insurance
About: Odie Pet Insurance focuses on affordability and offers comprehensive plans with low-cost wellness add-ons. Their simple pricing structure makes them appealing to budget-conscious pet owners.
Starting Price: $10/month
Deductible: $50 - $1,000
- Affordable premiums
- Low-cost wellness add-ons
- Comprehensive accident and illness coverage
Pros:
- One of the most affordable options
- Simple and easy-to-understand plans
Cons:
- Limited customization options
- No coverage for pre-existing conditions
Bivvy
About: Bivvy offers simple and affordable flat-rate insurance plans for dogs. Their plans focus on covering accidents and illnesses without unnecessary complexities, making them budget-friendly.
Starting Price: $10/month
Deductible: $50
- Flat-rate pricing for all pets
- Coverage for accidents and illnesses
- Simple and easy-to-understand plans
Pros:
- Very affordable monthly cost
- Simple coverage without extras
Cons:
- No routine care coverage
- Limited reimbursement options
PetFirst Pet Insurance
About: PetFirst specializes in customizable plans with optional wellness coverage. Their plans are ideal for first-time pet insurance buyers seeking straightforward options.
Starting Price: $15/month
Deductible: $50 - $500
- Customizable plan options
- Wellness care add-ons available
- Quick claims processing
Pros:
- Flexible and affordable coverage
- Routine care add-ons available
Cons:
- Limited coverage for alternative therapies
- Not suitable for senior pets
MetLife Pet Insurance
About: MetLife offers customizable plans with a focus on quick claims processing and coverage for chronic and hereditary conditions. Their straightforward options appeal to busy pet owners.
Starting Price: $15/month
Deductible: $50 - $500
- Fast claims processing
- Coverage for chronic conditions
- Customizable plans to fit your needs
Pros:
- Quick reimbursement times
- Comprehensive accident and illness coverage
Cons:
- No coverage for elective procedures
- Routine care requires an additional plan
Hartville Pet Insurance
About: Hartville provides comprehensive plans covering accidents, illnesses, and exam fees. They also include alternative therapies like acupuncture and chiropractic care.
Starting Price: $25/month
Deductible: $100 - $1,000
- Comprehensive accident and illness coverage
- Exam fee coverage included
- Alternative therapy options
Pros:
- Wide range of coverage options
- Includes alternative treatments
Cons:
- No routine care included
- Premiums can increase with age