Insurance Guide

Best pet insurance for dogs

15 providers ranked by our data-driven methodology. We analyze coverage breadth, pricing, claims speed, and breed-specific value to help you find the right fit.

All providers ranked

Sorted by overall rating. Each review includes pricing benchmarks, coverage details, and which breeds benefit most.

Healthy Paws From $22/mo · 50 states
4.5/5
Unlimited lifetime benefitsNo annual or per-incident caps
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Trupanion From $28/mo · 50 states
4.4/5
Direct vet pay at point of serviceNo per-incident or annual caps
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Embrace From $24/mo · 50 states
4.3/5
Most comprehensive coverageDental illness included
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MetLife From $25/mo · 50 states
4.3/5
Industry-leading multi-pet discount up to 25%100% reimbursement option available
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Pumpkin From $28/mo · 50 states
4.3/5
Excellent preventive care add-on (Pumpkin PupPack)90% reimbursement standard
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ASPCA From $25/mo · 50 states
4.2/5
Optional preventive care wellness planBehavioral coverage included
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Lemonade From $20/mo · 50 states
4.2/5
Fast digital claims processNo upper age limit
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ManyPets From $20/mo · 49 states
4.2/5
Competitive pricing among lowest in marketNo annual or lifetime limits on top plan
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Figo From $20/mo · 50 states
4.1/5
Pet Cloud app for managing everything100% reimbursement option
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Spot From $20/mo · 50 states
4.1/5
Highly customizable plansUnlimited annual limit available
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Fetch by The Dodo From $25/mo · 50 states
4/5
Covers dental illness and diseaseLong track record since 2003 (formerly Petplan)
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Nationwide From $35/mo · 50 states
4/5
Only major provider covering exotic petsAvailable through employer benefit programs
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Paw Protect From $22/mo · 44 states
4/5
Instant claim payments via prepaid Visa debit cardNo waiting period for accidents
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Pets Best From $18/mo · 50 states
4/5
Competitive pricingNo upper age limit
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AKC From $22/mo · 50 states
3.9/5
Breed-specific expertise from AKC partnershipLow starting annual limit ($2500) for budget plans
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How we rank providers

Our rankings are based on four factors weighted equally: coverage breadth (hereditary conditions, dental, behavioral), pricing transparency, claims processing speed, and breed-specific value (how well the plan covers conditions common to specific breeds).

We re-evaluate providers quarterly and update pricing benchmarks based on current quote data. See our methodology for full details.

Compare plans → Insurance by breed → Accident & illness → Wellness plans →

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