Best Dog Insurance Companies

Figo offers comprehensive coverage with several add-ons, including a wellness package and a top-tier package that covers vacation cancellation for a pet emergency, among other valuable benefits. Dental illness and injury is covered along with holistic and alternative treatments, and curable pre-existing conditions are covered after 12 months. There’s also no bilateral clause, no age limits, and no lifetime cap on benefits. Unlimited annual plans are also available. Deductibles are annual rather than per-incident. You’ll have access to a 24/7 live vet, cloud storage for your pet data, and online claims that are resolved in an average of 2.6 business days. 

However, Figo may not be the best option for budget-conscious dog owners, since premiums are about average, and there’s no accident-only plan. Furthermore, the company doesn’t offer direct payments to your veterinarian—you’ll need to pay your invoice and then file for reimbursement. 

Learn more in our Figo pet insurance review.

If you’re not sure how you’d cover an expensive vet bill out-of-pocket before receiving reimbursement, Pets Best offers a vet-direct payment option. The company also offers customizable coverage, including many commonly excluded coverages, such as dental disease, hereditary and congenital conditions, and behavioral conditions. You can choose whether you want coverage for exams, medications, and rehabilitation. The Pets Best accident-only plan costs just $9 per month for dogs, and you can also build an accident and illness plan to fit your budget, with deductible options between $50 and $1,000 and reimbursement options between 70% and 90%. 

Curable pre-existing conditions, once cured, are covered. However, holistic and alternative therapies won’t be covered, and bilateral conditions will be considered pre-existing if present on one side before coverage starts. The company’s wellness plan is also relatively limited compared to other companies, using a defined benefits schedule and only offering a maximum of $223 in savings annually. 

Learn more in our Pets Best pet insurance review.

Embrace offers comprehensive coverage, including preventable conditions, dental illnesses, and congenital and genetic conditions. Exam fees and prescription drugs are also covered. The company only looks back 12 months for pre-existing conditions, and will cover them after a year if they’re considered cured. However, if your dog had a bilateral pre-existing condition on one side, Embrace won’t cover the condition on the other side. 

Embrace also offers a 10% multi-pet discount and a diminishing deductible. You can also choose from a range of deductibles, reimbursement options, and annual limits. However, Embrace premiums are very expensive, and may be multiple times the cost of some competitors offering similar coverage. And while there’s a wellness rewards program, there’s no preventative care insurance option. 

Learn more in our Embrace pet insurance review. 

ASPCA is a great option for dogs who had a curable pre-existing condition, like an ear infection, since the insurer will cover these once your dog is symptom-free for six months. However, this doesn’t apply to ligament and knee conditions. ASPCA’s plans are otherwise robust, offering coverage for alternative therapies, behavioral conditions, congenital and hereditary conditions, dental disease, and more. When applicable, you’ll even get coverage for prescription pet food and supplements. Plans also cover veterinary exams and lab tests. And there’s only a 14-day waiting period for accidents and illnesses, with no extended waiting period for certain conditions like cruciate ligament issues. 

You can add a wellness plan for as little as $9.95, but it comes with defined benefits and offers limited savings. ASPCA’s premiums are also more expensive than average and only come with a few deductible options. However, the company does offer an accident-only plan for budget-conscious dog owners. 

Learn more in our ASPCA pet health insurance review.

Lemonade is a public benefit corporation that takes a flat fee for processing claims and donates the rest, so there’s never an incentive for the company to deny claims. The insurer uses AI to process claims quickly, sometimes even instantly. What’s more, Lemonade offers the most affordable premiums of the insurers we reviewed. The basic policy is not as comprehensive as some, but it covers medications, diagnostics, and procedures for accidents and illnesses, including hereditary and congenital conditions. You can also buy add-ons for vet visit fees, physical therapy, end-of-life remembrance, dental illness, and behavioral conditions. 

In addition, Lemonade offers a couple of robust preventative care packages, including one that includes preventative dental care. The company also offers a 5% multi-pet discount, a 5% annual payment discount, and a 10% multi-policy discount (the company offers renters, homeowners, and life insurance in most states). However, Lemonade isn’t available everywhere, and while cured pre-existing conditions are covered after 12 months of no symptoms, that doesn’t include bilateral conditions. 

Learn more in our Lemonade pet insurance review.

MetLife provides coverage for exams and medications, alternative therapies, hereditary and congenital conditions, and much more. Though premiums are about average, it’s easy to build a plan that fits your budget, with deductible options between $0 and $2,500 and reimbursement options between 50% and 100%. MetLife also offers an internet purchase discount, a discount for healthcare workers, and many more savings opportunities. And your deductible will be reduced by $25 to $50, depending on your policy, for each year you don’t get a claim reimbursed. 

There’s no upper age limit, and MetLife offers coverage for curable pre-existing conditions, such as ear infections, as well as bilateral conditions. If you switch from another insurance provider, MetLife will also cover any pre-existing conditions that were covered under your previous policy. 

Learn more in our MetLife pet insurance review.