Insight /

Pet Insurance Companies for Dogs

Finding the best pet insurance for dogs can be tricky for pet owners. For the most part, it includes extensive research, understanding the basics of the policy, and then finding the company that offers the best value for money.   

While word of mouth may be the fastest method for choosing the ideal insurance company, using real data and comparing companies can help you make the most informed decision.   

Making sure the pets are covered in the event of any and all unforeseen circumstances by our insurance provider is a good starting point.  

Types of Pet Insurance Coverage for Dogs

There are three types of policies for dogs:  

  • Comprehensive 
  • Accident-only 
  • Wellness 

Each policy type covers different circumstances and can be purchased individually or as an add-on.  

1) Comprehensive Pet Insurance Coverage

Comprehensive pet insurance coverage is the most complex and diverse of all available policies on the market. It covers between 85% and 90% of all vet bills, including accidents, illnesses, etc. A wellness care program can be included as an add-on to this policy to cover further pet health expenses.   

While it is the most versatile, comprehensive coverage is also the most expensive option. With this type of policy, dog owners can receive the maximum benefit of pet insurance. Depending on the policy, it can provide up to $20,000 annually in coverage. 

2) Accident-Only Pet Insurance Coverage

This policys name is self-explanatory. It costs less than a comprehensive package and covers about 90% of vet bills in the event of an injury caused by accident. Annually, it can provide about $5,000 in coverage. 

3) Wellness Pet Insurance Coverage

This type of policy typically covers the basic and any additional needs. It includes:   

  • Wellness exams   
  • Flea, tick, and heartworm medications   
  • Spay/neuter surgery   
  • Fecal and routine blood tests   
  • Microchipping   
  • Grooming   
  • Medicated shampoos   
  • Nail trimming   
  • Gland expression    
  • Pet activity monitors   
  • Training classes   
  • Chiropractic care   
  • Massage therapy   
  • Acupuncture   
  • Teeth cleaning   
  • Prescription diet food   

Pet owners can get this type of coverage or combine it with the previous two policies.   

The wellness package usually covers about $500 worth of services annually. It typically has a set price on maximum usage for each of its services.  

Pet Insurance Companies for Dogs in 2022

The pet insurance companies we selected for 2022 offer reasonable premiums, and their level of coverage is extensive (up to 90%). They provide wellness benefits and specific services such as heartworm prevention and immunizations. Furthermore, breed-specific conditions are covered as long as they are not pre-existing.  

Insurance plans for dogs start at $20 per year, with no restriction on the number of claims filed. Hence, for most pet owners, Healthy Paws will provide the best overall value. The table below shows the pros and cons of choosing Healthy Paws as your pet insurance company. 

Best Overall Value 




No caps on claim payouts 

No wellness plan or preventative care 

Unlimited annual benefits 

15-day waiting period for accident and illness 

99% of claims processed in 2 days 

Charges a one-time $25 fee 

Submit claims via email, fax, online, or using the Healthy Paws mobile app 

Limits deductibles and reimbursement options for pets over age 6 

Visit any licensed veterinarian 


Customers appreciate how much the ASPCA Pet Health Insurance cares for animals and the high level of care. They have a 4.6/5 rating for excellent customer service and follow-up after a claim. 

Best budget coverage 




No waiting period for preventive care 

Preventive care riders work on an itemized basis, not an annual limit 

Visit any vet – no network required 

Unlimited coverage is not an option 

Affordable monthly premiums 

14-day waiting period for accidents and illnesses 

Reimburses alternative therapies 

Not managed by ASPCA itself 

Covers microchip implantation 


The factor that separates Figo from other pet insurance providers is its multiple benefits, which is a company’s trademark. Figo offers convenient online access, extensive coverage, cutting-edge technology, and live access to a veterinarian 24 hours a day, 7 days a week.   

The table below shows the pros and cons of Figo’s services. 

Best 100% coverage 




24/7 virtual vet visits and customer service through an easy-to-use app 

Some policies have lifetime limits of $100,000 

Zero networks needed across the US, Canada, and Puerto Rico 

The unlimited policy has an annual $20,000 upper limit in Washington and Massachusetts 

The short waiting period of just 3 days for injuries and 14 days for illnesses 

6-month waiting period for knee injuries 

30-day money-back policy, provided you havent filed any claims 

Doesnt cover routine or preventative care 

May reimburse up to 100% of the vet bill 


Pets Best is well known for its tremendous support for insuring senior dogs. There is no maximum age limit; therefore, aging dogs may still be covered. However, like all insurers, Pets Best will not cover pre-existing conditions. 

Best for competitive pricing 




Offers accident-only and wellness plans for a flat rate 

Doesnt cover holistic, herbal, or experimental therapies 

24-hour helpline staffed by veterinary experts 

The accident and Illness plan wont cover the prescribed diet, vitamins, or supplements 

Very low premiums 


Direct reimbursement to your vet, meaning less out-of-pocket for you 


Wide range of deductible choices 


Pumpkin is a new company that quickly gained popularity. It was launched in April 2020 by Zoetis, the world’s largest global animal health company. They offer 24/7 customer service support, and their insurance premiums are customizable.  

After the deductibles, Pumpkin will pay 90% of the costs associated with accidents and illnesses. Pumpkin’s pet insurance is available to households with several pets, and each additional pet receives a 10% discount. 

Exciting newcomer in the pet insurance industry 




No upper age limit and breed exclusions 

Only two annual coverage limits, no additional reimbursement options 

14-day waiting period for all conditions 

Just one year in business 

Fast and easy online claims processing 

Only insures dogs and cats 

Covers dental illness and preventative care coverage 


Does Dog Breed Play a Role in Insurance?

Certain dog breeds and cross-breeds are predisposed to certain conditions. This leads to more costly pet insurance policies for these breeds. 

Pit bulls, rottweilers, chihuahuas, and French bulldogs, are among the top 10 dog breeds with higher insurance premiums.    

1) Pet Insurance for Pitbulls & Rottweilers

In general, large breeds age faster and have shorter life spans than small ones. Pet insurance providers see these breeds as a liability concern and having one will increase the pet insurance rate.   

While all dog breeds have the potential to bite in the right circumstances, larger breeds have the physical ability to cause more damage. These breeds are energetic and prone to injure themselves and others by accident. As a result, insurance firms see them as high-risk.   

2) Pet Insurance for French Bulldog

Bulldogs are afflicted with various diseases due to years of selective breeding for more “desirable” characteristics, such as short muzzles or petit size.   

As one of the most specific and difficult breeds to insure, they are prone to many health challenges, which will require regular vet visits.   

Below are the conditions that French bulldogs are prone to:  

  • Breathing difficulties due to narrower nostrils and an elongated soft palette   
  • Bone disorders- French bulldogs are prone to hip dysplasia, resulting in arthritis  
  • Eye issues- They are prone to inward turning eyelids (Entropion), which would require surgery   
  • Bladder stones- Irritation or inflammation in the bladder wall can cause stones in the urine  
  • Heat sensitivity- Heatstroke is very common due to panting through smaller airways  
  • Heart disease- They are at risk of heart disease and heart murmurs  
  • Allergies and skin conditions- They are prone to food allergies and environmental allergies from dust mites, grass, or pollen which can cause legions on paws, leading to infection if constantly scratched or bitten 

3) Pet Insurance for Chihuahuas

Chihuahuas are twice as likely as mixed breed dogs to need claims filed for costly hereditary disorders. Since they are one of the smallest dog breeds, they are also prone to size-related concerns, including:  

  • Respiratory problems caused by a constricted trachea   
  • Overfeeding and obesity   
  • Injuries, mainly when playing with larger dogs

Is Pet Insurance Worth it for a Dog?

Pet insurance provides financial peace of mind. It allows medical discussions to focus on the right treatment for the dog rather than how much it will cost. Therefore, selecting the best pet insurance for dogs can give pet owners an advantage in worst-case scenarios.  

Share on linkedin
Share on facebook
Share on twitter
— Written by the<br> Shortlister Editorial Team

— Written by the
Shortlister Editorial Team

Pet Insurance Companies

Pet Insurance Companies

Browse and compare 1000’s of vetted vendors.