Best Dog Insurance Companies

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Whether your dog is your hiking buddy, cuddle partner, or reliable door guard, that four-legged family member is worth protecting with a robust pet insurance policy. But finding the right dog insurance company can be a challenge, especially if you have an older dog or one with health conditions. 

Pet insurance companies won’t cover pre-existing conditions, and some may even consider bilateral conditions as pre-existing. For example, if your dog ruptured a cruciate ligament on one side before the policy went into effect, a similar injury on the other side may not be covered by the policy. Some dog insurance providers also exclude important coverages like dental, limit enrollment age, or enforce a cap on lifetime benefits. We evaluated companies based on these factors, along with cost, customer satisfaction, customer service options, and more, so you can choose the best dog insurance company for your fur child.

Best Dog Insurance

Why Trust Us
Providers reviewed
Plan features considered
Data points analyzed
Consumers surveyed
Investopedia collected key data points from many pet insurance and wellness companies to identify the most important factors to pet owners. We used this data to review each company for plan options, deductibles, coverage, claims processing, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their pets’ needs.

Best Overall : Figo Pet Insurance

  • Annual Deductible Options USD: $100 - $1,500
  • Reimbursement Percentage: 70 - 100
  • Claim Turnaround Time: 9 - 12 days
  • Minimum Maximum Enrollment Age: 8 weeks - no maximum
Why We Chose It

Figo offers comprehensive coverage with few exclusions, including coverage for curable pre-existing conditions after a waiting period, along with high limits and a variety of add-ons. 

Pros & Cons
  • Covers dental illness and injury plus alternative treatments

  • Covers curable pre-existing conditions after 12 months

  • No bilateral clause

  • Fast claims 

  • 15% Costco discount

  • Unlimited lifetime benefit plan

  • Maximum $750 deductible

  • Doesn’t offer an accident-only plan

  • No direct vet pay


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.

Best for Vet-Direct Payments : Pets Best

  • Annual Deductible Options USD: $50 - $1,000
  • Reimbursement Percentage: 70 - 90
  • Claim Turnaround Time: 20 - 25 days
  • Minimum Maximum Enrollment Age: 7 weeks - no maximum
Why We Chose It

Pets Best offers plans with few exclusions and direct payments to your vet, along with a $9 per month accident-only plan for budget-conscious dog owners. 

Pros & Cons
  • Direct vet pay option

  • Accident-only plan available

  • Unlimited annual plan option and no cap on lifetime benefits

  • Optional coverage for exams, meds, and rehab

  • Holistic and alternative therapies not covered

  • Limited wellness plan with defined benefits

  • Bilateral conditions considered pre-existing


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.

Best for Diminishing Deductible : Embrace

  • Annual Deductible Options USD: $200 - $1,000
  • Reimbursement Percentage: 70 - 90
  • Claim Turnaround Time: 10 - 15 days
  • Minimum Maximum Enrollment Age: 6 weeks - 14 years
Why We Chose It

Embrace offers comprehensive coverage, an attractive multi-pet discount, and a diminishing deductible that decreases by $50 for every year you don’t get a claim reimbursed.

Pros & Cons
  • 10% multi-pet discount

  • Diminishing deductible 

  • Unlimited annual reimbursement limit option

  • Includes many commonly excluded coverages

  • Only looks at past 12 months for pre-existing conditions

  • No wellness insurance

  • No direct vet pay

  • Very expensive premiums


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

Best for “Cured” Pre-Existing Conditions : ASPCA

  • Annual Deductible Options USD: $100 - $500
  • Reimbursement Percentage: 70 - 90
  • Claim Turnaround Time: 14 - 28 days
  • Minimum Maximum Enrollment Age: 8 Weeks - no maximum
Why We Chose It

ASPCA offers coverage for accidents & illness as well as behavioral conditions, hereditary conditions, dental disease, and more. Plus, the insurer covers most curable pre-existing conditions once your dog has been symptom-free for only six months. 

Pros & Cons
  • Covers congenital and hereditary conditions

  • Covers alternative therapies

  • Covers most “cured” pre-existing conditions after six months 

  • 10% multi-pet discount

  • 14-day waiting period for all conditions

  • Does not cover “cured” ligament and knee conditions 

  • Wellness plan offers limited savings


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.

Cheapest Premiums : Lemonade Pet Insurance

  • Annual Deductible Options USD: $100 - $750
  • Reimbursement Percentage: 60 - 90
  • Claim Turnaround Time: 12 - 18 days
  • Minimum Maximum Enrollment Age: 8 weeks - 14 years
Why We Chose It

Lemonade offers the most essential coverages with some optional add-ons at the lowest prices of any provider we reviewed. 

Pros & Cons
  • Policies start at just $10/month

  • Offers several discounts

  • Public benefit corporation

  • Offers a variety of add-ons, including preventative care

  • Covers hereditary and congenital conditions

  • Not available in all states

  • No coverage for bilateral conditions if pre-existing on the other side


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.

Best for Older Pets and Discounts : Metlife Pet Insurance

  • Annual Deductible Options USD: $0 - $2,500
  • Reimbursement Percentage: 50 - 100
  • Claim Turnaround Time: 12 days
  • Minimum Maximum Enrollment Age: None
Why We Chose It

MetLife offers a variety of discounts, imposes no age limits or breed restrictions, and offers flexible plans with a variety of deductible and reimbursement options. 

Pros & Cons
  • Offers discounts and a diminishing deductible

  • Robust coverage includes exams and medications

  • Covers pre-existing conditions previously covered when changing insurers

  • Wide range of deductibles and reimbursement options

  • No age limits

  • Average premiums

  • No direct vet pay

  • No accident-only plan


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.

Compare the Best Dog Insurance

Overall Rating Best For
Annual Deductible Options USD
Reimbursement Percentage
Claim Turnaround Time
Wellness Care Plan
Minimum Maximum Enrollment Age
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Figo Pet Insurance Best Overall $100 - $1,500 70 - 100 9 - 12 days No 8 weeks - no maximum Get a Quote
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Pets Best Best for Vet-Direct Payments $50 - $1,000 70 - 90 20 - 25 days No 7 weeks - no maximum Get a Quote
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Embrace Best for Diminishing Deductible $200 - $1,000 70 - 90 10 - 15 days No 6 weeks - 14 years Get a Quote
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ASPCA Best for “Cured” Pre-Existing Conditions $100 - $500 70 - 90 14 - 28 days No 8 Weeks - no maximum Get a Quote
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Lemonade Pet Insurance Cheapest Premiums $100 - $750 60 - 90 12 - 18 days No 8 weeks - 14 years Get a Quote
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Metlife Pet Insurance Best for Older Pets and Discounts $0 - $2,500 50 - 100 12 days No None Get a Quote
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Final Verdict

If you want the most comprehensive coverage with the fewest exclusions, including coverage for bilateral conditions, you should choose Figo or MetLife. Figo offers slightly better pricing, while MetLife offers more flexible plans, so it’s a good idea to compare quotes. If you want the best diminishing deductible and most robust coverage, check out Embrace, but be aware of higher premiums. If your dog currently has a curable health condition, you may want to choose ASPCA so that the condition will be covered again sooner. And if budget is your primary concern, go with Lemonade for the cheapest premiums or Pets Best for their direct vet payment capabilities. 

How Much Is Dog Insurance?

Dog insurance can start as low as $9 per month for an accident-only plan, or it can cost over $100 per month for an older dog with more robust coverage. Lemonade, the cheapest provider on our list, offers accident and illness policies starting at $10 per month. But your premium will depend on individual factors, such as your dog’s age, breed, and location.

Is Dog Insurance Worth It?

Yes, dog insurance is worth it. Dogs need emergency medical care more often than you might think—about one in three pet owners seek emergency care for their pets each year. A visit to the emergency vet can cost hundreds to thousands of dollars. If your dog were to require radiation treatment for cancer, it could cost up to $7,000. Dog insurance covers most of the accidents or illnesses your dog may face, so you can focus on their health instead of worrying about the cost.

What Does Dog Insurance Cover?

Most dog insurance policies cover diagnostics, procedures, and treatments for accidents and illnesses, aside from pre-existing conditions. But every policy will have its own exclusions. Some companies also sell accident-only plans, which are more budget-friendly, and wellness or preventative care packages, which cover things like your annual exam and vaccines. It’s important to review your policy carefully, so you understand what’s covered.

What Is the Best Pet Insurance for Dogs?

The best pet insurance for you will depend on your dog, their health needs, and your budget. That said, our team assessed 25 pet insurance providers based on a variety of criteria and found that Figo offers the best pet insurance for dogs overall. However, MetLife is a close second, Lemonade is a more affordable alternative, and Pets Best uniquely offers vet-direct payment.


Our team evaluated 25 pet insurance providers based on over 2,000 data points to select the best dog insurance companies. We weighed 43 criteria, plus cost criteria for accident and illness plans for dogs. We gave a higher weight to criteria with a more significant impact on potential customers, such as age limits and cost, as well as criteria that often impact dog owners specifically, such as coverage for bilateral conditions. 

The top picks were selected based on factors like plan benefits, including dental coverage, customer service options, fees and costs, discounts, age limits, whether bilateral conditions are covered, and when (or if) cured pre-existing conditions are covered. We took into account the availability of instant online quotes, claim turnaround times, and whether or not the insurer will conduct a medical record review when you apply, among other important considerations. 

We also conducted a survey of 408 people who currently have pet insurance (23% of respondents), are considering getting pet insurance (56.4%), or have had pet insurance in the past (20.6%). Their responses were used to better understand customer satisfaction with the available features, claim reimbursements, and customer service of pet insurance companies.

For further information about our selection criteria and process, our complete methodology is available.

A woman enjoys a nuzzle with a friendly dog

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