In order to compare the best dog insurances any dog owner or dog breeder must consider what type of insurance policies they are after and if it’s realistic for their budget. This page is a comprehensive comparison of the best pet insurances with their pros, cons, and obviously, a summary for those who are impatient.

Dog insurances are very difficult to choose because they are a commitment and their policies are full of small prints that can disappoint you, the day you need it to payout. On this page, I want to be clear and structured by listing the pieces of information that truly matter. No fluff!

We’re reviewing the top dog insurances out there with many details such as the monthly fee to expect, coverage details, payout limits, deductibles, age constraints to enroll, waiting periods, exclusions, and any comments noteworthy of being mentioned for each pet insurance company.

Our top picks in 2017 are (in no particular order):

  1. Embrace
  2. PetPlan
  3. Pets Best

Nowadays, most insurances for dogs are trying to modernize and simplify their offering by doing bespoke plans where you simply tick boxes and the price for your specific insurance policy is given to you, on the spot. Then, it’s up to you to see if it’s good value or not. We’re even reviewing these ones out!

The best dog insurances we’re reviewing here are America’s favorites: Healthy Paws Pet Insurance, Pet Plan, Pets Best, Trupanion, Embrace Pet Insurance, Pet First, Figo, Nationwide, ASPCA, and AKC Pet Insurance. They all have pros and cons so let’s dive into our dog insurance comparison!

Information on this page may differ from each insurer’s terms and conditions at the date of your application or signup. Make sure you check before joining any insurance policy as these details tend to change often, and despite trying to keep everything updated, we do miss some details at times.

Dog Insurance Summary
Insurer Rating Price Deductibles Co-Pay Limit (Incident) Limit (Year) Limit (LifetimeYear)
PETPLAN 9.0 $16 - $60 $100 to $2,500 annual or per incident, per year 10%, 20% or 30% None. $2,500 to unlimited None.
EMBRACE 9.6 $15 - $100 $100, $200, $300, $500 or $1000 per year 10%, 20% or 35% None. $2000, $5000, $10,000 or $15,000 $50,000
HEALTHY PAWS 9.0 $15 - $90 $50, $100, $250 or $500 per year 10%, 20% or 30% None. None. None.
PETS BEST INSURANCE 9 $5 - $90 $0, $50, $100, $200, $500 or $1,000 per year None, 10%, 20% or 30% None. $1,000, $5,000, $10,000 or $20,000 $100,000, $150,000 or $200,000
TRUPANION 8.3 $12 - $90 Customizable at sign up from $0 to $1000 per incident. 10% (Examination fees not covered.) None. None. None.
PETFIRST 7.5 $16 - $70 $50 - $500 per incident. 10% - 30% $1,000, $3,500 or none with Lifetime plan. $2,000, $3,000, $7,500, $12,000, $15,000 or $20,000 None.
FIGO 7.5 $30 - $60 $50, $100, $250 or $500 per year. 70%, 80%, 90% or 100% None. $10,000, $14,000 or unlimited. None.
NATIONWIDE 7.0 $15 - $60 $100, $250, $500 or $1000 per year. Determined by a benefit schedule. None. $7000, $9,000 or $14,000 None.
ASPCA 7.5 $10 - $80 $100, $250 or $500 per year 10% $2,500, $3,000, $5,000 or $7,000 None. None.
AKC PET INSURANCE 6.9 $10 - $90 $100 - $,1000 per year. 20% $1,500 - $10,000 $3,000 - $16,000 None.