Personalized recommendations
There is no one-size-fits-all dog insurance. We carefully analyze hundreds of policy variations across top US providers to help you find the best fit based on breed, age, location, and more.
Top Rated Dog Insurance Comparison & Savings
Get the right dog insurance at the best price.
- Compare plans side-by-side
- Uncover hidden savings on dog insurance
- See quotes from top providers allin one place
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We’re the dog insurance marketplace endorsed by veterinarians
Pawlicy Advisor has helped thousands of puppy parents across the USA find the best dog insurance plan at the best price - and save on veterinary costs.
Here’s why vets and dog owners use pawlicy advisor
Compare top companies side-by-side
Don’t waste time filling out a form on every provider’s site. Fill out one form on Pawlicy Advisor and compare real-time quotes from multiple companies side-by-side.
Uncover hidden savings
You deserve transparency. We’ll help you find opportunities to save on lifetime costs and make it easy to complete the entire enrollment process on Pawlicy Advisor.
Is pet insurance worth it...for your dog?
After surveying tens of thousands of pet parents, 4 out of 5 say they could not afford a unexpected vet bill without pet insurance. Enrolling your dog or puppy in the right pet insurance will give you peace of mind knowing that your out-of-pocket costs could be reduced by 90% for unexpected accidents or illnesses.
For example, if your dog ingests a foreign object (as dogs often do), your vet cost could be as high as $3,250. With a pet insurance plan that reimburses you 80% of that vet bill, your out-of-pocket costs would ultimately only be $650.
There’s a 1 in 3 chance that your dog will need emergency treatment. Fractures, urinary obstructions, object ingestion and more can cost thousands of dollars to treat.
"Your pet deserves to be happy and healthy, and removing financial barriers from important pet care decisions is a key step toward this goal."
"It is safe to say that one hospital stay has already been worth 2+ years of insurance premiums."
Compare top US dog insurance companies
See what each dog health insurance covers side-by-side.
Get a personalized analysis based on your dog's breed, age, location, and more - and streamline your pet insurance shopping experience.
Dog Insurance Comparison Chart:
Company
Rating
Pet Age
Claims
Reimbursement
4.1 | 4964 Reviews
Minimum to enroll
8 weeks
8 weeks
Expiration date
270 days
270 days
Average wait time
9 days
9 days
4.2 | 4964 Reviews
Minimum to enroll
6 weeks
6 weeks
Expiration date
60 days after next policy renewal date
60 days after next policy renewal date
Average wait time
10 days
10 days
4.3 | 1367 Reviews
Minimum to enroll
6 weeks
6 weeks
Expiration date
90 days
90 days
Average wait time
6 days
6 days
4.0 | 1552 Reviews
Minimum to enroll
8 weeks
8 weeks
Expiration date
180 days
180 days
Average wait time
8 days
8 days
4.3 | 282 Reviews
Minimum to enroll
8 weeks
8 weeks
Expiration date
270 days
270 days
Average wait time
9 days
9 days
4.3 | 637 Reviews
Minimum to enroll
0 weeks
0 weeks
Expiration date
90 days
90 days
Average wait time
10 days
10 days
4.0 | 4005 Reviews
Minimum to enroll
7 weeks
7 weeks
Expiration date
180 days
180 days
Average wait time
7 days
7 days
4.8 | 1016 Reviews
Minimum to enroll
8 weeks
8 weeks
Expiration date
90 days after end of policy term
90 days after end of policy term
Average wait time
1-7 days
1-7 days
4.6 | 891 Reviews
Minimum to enroll
8 weeks
8 weeks
Expiration date
270 days after date of service
270 days after date of service
Average wait time
7 days
7 days
What to look for when comparing top dog insurance providers
1
Established brands 🇺🇸
Dog insurance brands who’ve been around in the USA for a few years are generally less likely to change their premiums as they’ve already figured out their business metrics.
2
Fast reimbursement
Top US providers tend to reimburse your claims in less than 14 days. Some, like Pets Best, can even pay the vet directly so you don’t need to wait for reimbursement.
3
Great lifetime value
As your puppy ages, your premiums will increase since there’s greater risk of illness/injury - and providers will have different rates at which those prices increase. Use Pawlicy Advisor’s "Lifetime Value Score" to understand costs across the lifespan of your dog for each policy.
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Frequently asked questions
For most Americans, dog insurance is a great way to prepare for unexpected pet medical costs. Like auto insurance, it’s better to have it and not need it than need it and not have it.
