12 Best Dog Insurance Companies of 2026

Fetch Pet Insurance has been around since 2003, when founders Chris and Ashton started the company after getting hit with a hefty vet bill of their own. What makes Fetch stand out? They pack a lot of value into one straightforward plan - covering things like dental issues, alternative therapies, and behavioral treatments that other insurers either charge extra for or skip entirely. They're well-established in the pet insurance world, with over 120,000 policies sold by 2014 and a track record of expanding coverage when it matters (like during COVID-19). If you're looking for comprehensive coverage with some genuinely useful extras baked in, Fetch is worth a closer look - but there are a few quirks you'll want to know about first.

Fetch gives you plenty of flexibility to customize your plan

When we got a quote for Louis, our 3-year-old Labrador retriever, the baseline accident and illness plan came in at $63 per month - right in the standard range for a healthy adult dog. That covered a $5,000 annual payout limit, a $500 deductible, and an 80% reimbursement rate. Want a higher annual cap? You can go up to $10,000 or $15,000. Prefer a lower deductible to reduce out-of-pocket costs? Drop it to $300. You can also adjust your reimbursement rate between 70%, 80%, and 90% - giving you some control over what you pay upfront versus what you get back. Keep in mind that your dog's breed, age, and location will all affect your premium, so your mileage will vary.

The coverage itself is impressively comprehensive

Fetch includes accidents like broken bones, swallowed objects, and bite wounds, along with illnesses ranging from skin infections to cancer treatment. They also cover breed-specific issues - a big plus if you've got a dog prone to hereditary conditions - and alternative treatments like acupuncture and chiropractic care. Emergency vet visits and hospitalizations? Covered. Prescription medications? Yep, name-brand ones too. They even throw in coverage for behavioral treatments like aggression and separation anxiety, which many other insurers charge extra for or skip entirely. And unlike some competitors, Fetch covers sick exam fees and pays up to $1,000 per year for virtual vet visits.

Dental coverage is another standout feature

Fetch covers dental injuries and diseases for every adult tooth, including broken teeth and gum disease. That's not something you'll find in every basic plan - most insurers make you pay extra for dental add-ons. If you want even more preventative care, Fetch offers an optional wellness add-on for about $25 per month that covers vaccinations, annual exams, and other routine care. It's a nice option if you want truly comprehensive coverage, though it does bump up your monthly cost.

No multi-pet discount

Like every pet insurance provider out there, Fetch won't cover pre-existing conditions - meaning anything your vet noticed or that showed symptoms before you enrolled, before your policy started, or during the waiting period. They also don't cover prescription food, which might be a dealbreaker if your dog needs a special diet. And if you're insuring multiple pets, don't expect a discount - Fetch doesn't offer one. (A missed opportunity, honestly.) However, AARP members can save 10% on a Fetch dog insurance policy. Fetch also includes discounts on pet products and services as part of your policy benefits, which is a nice little bonus.

Fetch's waiting periods are pretty standard

Accidents don't have a waiting period at all - if your dog gets hit by a car or eats something they shouldn't the day after you sign up, you're covered immediately. For illnesses, there's a 15-day waiting period starting the day after you enroll, which is right in line with most other dog insurance providers. Hip and knee injuries have a 6-month waiting period, which matches the standard range but is longer than you might prefer. The good news? You can waive that knee waiting period entirely if you get your dog examined by a vet within the first 30 days of enrollment and submit the medical records (ask for "SOAP notes") with your first claim. One important thing to remember - any condition that shows up during the 15-day waiting period will be considered pre-existing and won't be covered, so timing matters.

Fetch welcomes dogs of all ages - from puppies to seniors

You can enroll your puppy as early as 6 weeks old. There's no upper age limit for enrollment either, so even if you adopt a senior dog, you can still get them covered. Fetch doesn't exclude any breeds, but certain breeds that are prone to specific health issues - like hip dysplasia in larger dogs or respiratory problems in flat-faced breeds - may see higher premiums. Your dog's breed, age, and where you live all factor into your monthly cost, so a 10-year-old bulldog in Los Angeles will pay more than a 3-year-old Lab like Louis living in the suburbs of Minnesota.

Filing claims with Fetch is straightforward, but timing matters

You can submit claims quickly through the Fetch Pet Insurance app or your online account - just log in, go to Claims, select Submit a Claim, and follow the instructions. The process is pretty painless, but you must submit your claim within 90 days of your vet visit, or it won't be covered at all. You'll need two types of documents - a finalized invoice from your vet (showing a $0 balance or "paid in full") and detailed medical records from your pet's most recent annual exam, which should include SOAP notes with exam details and lab results. Fetch processes claims within 15 days once they have all your documents, which is right on par with the 7-14 day industry standard. If you set up direct deposit (which gets you paid 5-10 days faster than checks), you could see reimbursement in as little as 2 days after your claim is approved. (Pro tip: set up direct deposit right away to avoid waiting around for a check.) Keep in mind that your first claim might take a bit longer since Fetch needs to review your pet's full medical history upfront.

Solid ratings and multiple ways to reach customer service, but hours are pretty limited

Fetch Pet Insurance holds an "A+" rating with the Better Business Bureau and scores a 4.5-star average from over 5,500 reviews on Trustpilot - though it's worth noting that many of those positive reviews come right after sign-up calls, so they don't always reflect long-term customer satisfaction. You can reach Fetch through chat (Monday-Friday, 9 AM-8 PM EST; Saturday, 9 AM-6 PM EST), phone (Monday-Friday, 9 AM-6 PM EST), or email. They also offer a 24/7 chatbot in their mobile app for quick questions. The app itself is well-rated and lets you scan documents to file claims faster, track your deductible progress, view your claims history, and set up direct deposit to get paid back 5-10 days faster than checks.

Some love the service, others report claim denials and steep premium increases

When you dig beyond the initial signup reviews, you'll find a pretty wide range of experiences. Some reviewers rave about Fetch's personalized service - one long-term customer wrote, "I don't know how the other pet insurance companies are but Fetch is terrific," praising a quick reimbursement and painless document submission. On the flip side, plenty of customers complain about claim denials and premium hikes. One frustrated policyholder noted their premium jumped "$40-$50 more a month" annually over five years, saying "I should have gone with [a competitor]." Another reviewer was shocked when Fetch denied coverage for their puppy's sore tail because the dog had scratched at his collar months earlier - calling it a "preexisting condition." Several customers report feeling like Fetch finds "some excuse or reason" to deny claims, with one calling it "a heartless profit machine" and another lamenting, "What actually is the point of their insurance?" The common thread in negative reviews: denied claims for seemingly minor issues, premiums that double within a year or two, and the feeling that once you're locked in (since other insurers won't cover preexisting conditions), Fetch knows you're stuck.

Our top recommendation for comprehensive dog insurance

Negative feedback aside, Fetch stands out with features most competitors charge extra for or skip entirely - full-mouth dental coverage for every adult tooth, up to 100% reimbursement on medications through Fetch Pet Rx, and 24/7 telehealth treatment with licensed vets covered up to $1,000 per year. Yes, Fetch has a few quirks - no multi-pet discount, no prescription food coverage, and you'll need to stay on top of annual check-ups to maintain eligibility - but these are minor compared to what you're getting. Some customers report claim denials and premium increases over time, which is frustratingly common across the pet insurance industry, but Fetch's upfront value and included benefits make it our top pick for dog owners who want truly comprehensive coverage without paying for a bunch of add-ons. We rate Fetch Pet Insurance 5 out of 5 stars for delivering exceptional value in one straightforward plan.

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On the Fetch website

Spot Pet Insurance launched in 2019 when founder Trey Ferro saw an opportunity in the US market. The company has grown by taking a digital-first approach and meeting customers where they already are: online. With no per-incident or lifetime caps and coverage at any vet in the US or Canada, Spot has carved out a reputation as one of North America's fastest-growing pet insurance companies.

Spot offers flexible pricing that sits right around industry standards

Spot doesn't mention upper age limits for enrollment in their dog insurance, but puppies have to be at least 8 weeks old. When we ran a quote for Louis, our 3-year-old Labrador retriever, with a $5,000 annual limit, 80% reimbursement rate, and $500 deductible, Spot dog insurance came in at $57 per month - pretty typical for comprehensive coverage. You can customize your plan by choosing annual limits ranging from $2,500 to $10,000 or going unlimited, picking reimbursement rates between 70-90%, and selecting annual deductibles from $100 to $1,000. Spot also lets you choose between accident + illness coverage or accident-only plans, giving you control over your monthly premium. Keep in mind that pricing will vary based on your dog's breed, age, and location - so your quote will look different than ours. If you have other pets in your household, you can take advantage of Spot's 10% multi-pet discount. Members also gain access to exclusive promotions and coupons for pet-related goods and services like The Farmer's Dog, Rover, The Pet's Table, and Halo.

Coverage is impressively comprehensive - essentials plus some extras

Their dog insurance plans cover vet exam fees, diagnostics like blood tests, x-rays, MRIs, and CT scans, surgeries at licensed vets or emergency hospitals, and prescription medications and special foods. Spot also covers breed-specific, congenital, and genetic conditions - including hip dysplasia, cataracts, and IVDD - which is standard but important for purebred owners. They even cover dental illnesses like tooth trauma, extractions, and periodontal disease, plus chronic conditions like arthritis, diabetes, and seizures. As a bonus perk, every Spot plan includes a 24/7 pet health helpline powered by VetAccess, and their coverage works at any vet in the US or Canada. Alternative therapies like acupuncture are covered too.

Spot's exclusions are standard, but there are a few things to watch out for

Like all pet insurance providers, Spot dog insurance doesn't cover pre-existing conditions - though they do have a "cured condition" policy where conditions free of symptoms and treatment for 180 days are no longer considered pre-existing (except for knee and ligament conditions, which remain excluded forever). Cosmetic procedures like tail docking and ear cropping aren't covered, and neither are breeding costs. Preventive care - like annual wellness exams, vaccines, and screenings - isn't included in the base plan, but you can add it for an extra $10 to $25 per month with their Gold or Platinum wellness add-ons. The Platinum plan ($25/month) covers dental cleanings up to $150, wellness exams up to $50, various vaccines and tests, and even health certificates.

A 14-day waiting period that covers everything

Unlike most dog insurance providers that have shorter waiting periods for accidents (typically 2-3 days) and longer ones for orthopedic conditions (usually 6-12 months), Spot keeps it simple with one flat 14-day waiting period across the board. That means whether your pup swallows a sock, develops an ear infection, or tears a ligament, you'll wait the same two weeks before coverage kicks in. This is actually better than the industry standard for orthopedic issues - most companies make you wait 6 months to a year for knee and ligament conditions, so Spot's approach is a win if you're worried about cruciate tears or luxating patellas. Just remember that any condition that pops up during that 14-day window will be considered pre-existing.

Filing claims is straightforward, though the app has some frustrating issues

You can submit claims electronically through Spot's website or mobile app, and you'll need to include your name, contact info, signature, a description of the condition and treatment, and itemized receipts showing the actual costs after any discounts. Your vet can also submit claims on your behalf if you prefer, and you can even have Spot pay them directly. You've got 270 days from the date of service to file your claim, which gives you plenty of breathing room. The documentation requirements are pretty standard for dog insurance - just make sure everything's complete to avoid delays or denials. However, Spot's app has earned some harsh criticism from users who report it won't let them add their vet or complete the claim submission process. One frustrated customer noted that after the app failed, the website didn't work either, forcing them to resort to old-school paperwork and email. You might want to stick with the website or go directly through your vet to save yourself the headache.

Phone support during extended business hours, availability limited on weekends

You can reach Spot's customer service team via phone Monday through Friday from 8 AM to 8 PM EST, and on Saturdays from 9 AM to 5 PM EST. It doesn't seem they offer 24/7 live chat or email support options, however. For routine questions outside of business hours, you'll likely need to wait until the next business day - though remember that every Spot dog insurance plan includes a 24/7 pet health helpline for veterinary advice emergencies.

Great average ratings...

Spot dog insurance earns an "A+" BBB rating and a 4.7-star average from nearly 10,000 reviews, which is above average for the industry. Many policyholders rave about Spot's claims speed - one customer said "I especially love the speed at which they process claims. From the moment the claim is submitted, I never have to wait more than a few days for it to be completed" - and another praised the peace of mind Spot dog insurance provides: "I'm an anxious puppy mom so when I have to run to emergency for her I can rest easy knowing Spot will save me money".

...with some pain points

However, other reviews reveal frustrating inconsistencies. One customer reported administrative errors where claims were "entered for last year" and reimbursements were sent via check instead of the selected direct deposit method. More concerning, several customers describe denied claims for recurring conditions, with one stating that "any cash you pay for a disease that happens more than once, even if it is a year apart, will not be covered", specifically mentioning periodontal disease. Another customer felt Spot dog insurance fell short when it mattered most: "I got some of my dog's surgery covered but I had to pay much more out of pocket than I would have expected after years of being a client". One customer recommended submitting complete documentation upfront (including the past 6 months of vet records) to avoid denials.

Earns a strong runner-up position for flexible customization and solid fundamentals

Spot dog insurance delivers where it counts - customizable coverage options, a 10% multi-pet discount, microchip implantation coverage, and no annoying preventive care requirements to maintain your policy. It's a reputable choice for pet parents who want control over their annual limits, reimbursement rates, and deductibles without jumping through hoops. That said, Spot dog insurance falls short of our top pick in some key areas: you won't get comprehensive dental coverage for root canals or orthodontic work, there's no up-to-100% medication reimbursement option, and the telehealth line offers guidance only - not actual treatment or diagnosis. You also miss out on boarding fee coverage and lost pet advertising, and customer service keeps weekend hours limited. Still, Spot dog insurance outpaces other competitors that charge extra for perks or lack a dedicated mobile app, making it a trustworthy second-place option for dog owners seeking flexibility without the frills. Spot is an excellent choice for most pet parents, especially those with multiple pets or anyone who values customization over bells and whistles.

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On the Spot website

Pumpkin is a relatively young dog insurance provider founded in 2020 by a team of pet health experts working alongside Zoetis, a global animal health company. What sets Pumpkin dog insurance apart is its founding mission: the team noticed that vet costs were climbing at three times the rate of inflation while only 2% of US pets had coverage, and nearly 60% of Americans couldn't afford a surprise $1,000 vet bill. Since then, Pumpkin has grown into one of the fastest-growing pet insurance brands in the country, built on the principle that all ages and breeds deserve coverage and that every pet needs specialized care. Whether Pumpkin dog insurance lives up to that promise - and whether it's the right fit for your dog - depends on a few key factors we'll break down below.

Pumpkin's pricing is competitive, with solid customization options

When we ran a quote for Louis, our 3-year-old Labrador retriever, Pumpkin dog insurance offered four tiers ranging from $39/month ("Just in Case") to $162/month ("Whatever It Takes"). Our custom plan with 80% reimbursement, a $500 deductible, and a $5,000 annual limit came in at $58/month - right in the competitive range. You can tweak your Pumpkin plan with annual limits of $5,000, $10,000, $20,000, or unlimited coverage, reimbursement rates of 80% or 90%, and deductibles from $100 to $1,000. Better yet, Pumpkin dog insurance gives you a 10% discount for each additional pet you insure, which adds up fast if you've got a multi-dog household. Keep in mind that pricing varies based on your dog's age, breed, and location - so your mileage will vary.

Coverage is comprehensive, hitting all the major bases

Pumpkin covers the full spectrum: accidents and injuries (swallowed toys, broken bones), illnesses (infections, digestive issues), chronic conditions (diabetes, arthritis, cancer), dental illnesses, behavioral issues, and hereditary conditions like hip dysplasia and heart defects. The policy includes diagnostics and treatments, emergency care, surgery, prescription medications, exam fees for both in-clinic and virtual visits, prescription food and supplements, rehab therapies (including acupuncture and hydrotherapy), and even end-of-life services. Pumpkin dog insurance also covers curable pre-existing conditions after a 180-day symptom-free period - a rare perk in the dog insurance world. For wellness care, you'll need to add their optional Preventive Essentials package at $23/month, which covers one annual exam, two vaccines, heartworm testing, and fecal testing.

The exclusions are standard, but worth knowing before you sign up

Like most dog insurance policies, Pumpkin won't cover pre-existing conditions, spaying and neutering, most dental cleanings, cosmetic procedures, or preventive care unless you buy that wellness package. They also exclude herbal supplements (including CBD), experimental treatments, breeding-related expenses, grooming, training, and house call fees. One quirk worth noting: Pumpkin dog insurance is picky about prescription pet food. They'll cover it for active treatment but not for prevention or weight management, and they exclude dental diets, fresh food diets, and limited ingredient diets even if your vet recommends them.

Pumpkin keeps it simple with a single 14-day waiting period for everything

Accidents, illnesses, and even ligament and knee conditions all fall under the same 14-day waiting period. That's notably longer than the industry standard for accidents (which typically clock in at 2-3 days), but it's right on par for illnesses. If you enroll in Pumpkin dog insurance today, your coverage would kick in two weeks later - so if your dog swallows a sock or tears a cruciate ligament during that window, you're on your own. The upside? Pumpkin's 14-day wait for orthopedic issues like ligament tears is way shorter than the 6-12 month waiting periods you'll find with most other dog insurance providers, which is a solid win if you've got a breed prone to knee problems. Anything diagnosed or treated during that waiting period gets flagged as a pre-existing condition, so it pays to sign up sooner rather than later.

No mobile app but a standout fast-pay feature for big bills

Filing a claim with Pumpkin is straightforward - you submit it online (there's no mobile app, unfortunately), attach your vet's final invoice, and wait for processing. For routine claims, Pumpkin doesn't publish an average turnaround time, but their standout feature is PumpkinNow, which flips the script on expensive emergencies. If your dog needs critical care that costs $1,000 or more, PumpkinNow expedites your claim and deposits up to 90% of the covered amount directly into your account in about 15 minutes - before you even pay your vet. To use it, just ask your vet for a final invoice (even if you haven't paid yet), submit your claim, select "claim for payment at the vet," and Pumpkin dog insurance will rush the funds through so you can focus on your dog instead of your credit card limit. For claims under $1,000 or non-urgent situations, you'll go through the standard reimbursement process, which means paying upfront and waiting for your money back - but PumpkinNow is a game-changer when it really counts.

Pumpkin dog insurance makes it easy to get help through multiple channels

You can reach Pumpkin's customer service team by email (with responses in a day or less), phone (Monday-Friday 8 AM-8 PM EST and Saturday 9 AM -5 PM EST), or live chat (Monday-Saturday 9 AM -5 PM EST). The mix of options gives you flexibility depending on how urgent your question is - if you need an answer right away, the phone line during weekday evenings is your best bet, but if you're not in a rush, firing off an email works just as well. Pumpkin dog insurance doesn't have phone support on Sundays, which might be frustrating if your dog has an emergency on a Sunday morning and you need to talk through coverage questions before heading to the vet.

Stellar ratings and mostly glowing reviews, with a few notable complaints

Pumpkin dog insurance earned an "A+" from the BBB and boasts a 4.8-star average on Trustpilot from over 2,300 reviews, which puts them well above most competitors. Customers rave about the speed and simplicity of the claims process - one reviewer said "Claims are received and acknowledged quickly. Within a day or two they complete the processing procedure and you are notified", while another noted "Claims paid out in 72 hours! Just wow". Several reviews emphasize that Pumpkin dog insurance delivers on its promises: "Very easy platform and claims are completed in a timely manner. Pumpkin provides exactly what is promised". On the flip side, some customers report frustration with steep premium increases (one saw a 25% jump after just one year with no claims filed) and aggressive documentation requests, especially once the deductible is met - one pet owner said Pumpkin asked for lifetime medical records dating back to birth for even routine claims like teeth cleanings, and when they couldn't provide records from a previous vet, all claims were rejected. A few reviewers also complain about being spammed for reviews before they've even had a chance to use the policy, which feels a bit manipulative, but isn't an uncommon practice.

Strong option that shines in a few key areas but falls short of top-tier providers

Pumpkin's biggest strengths are its flexible coverage options, competitive pricing (our custom plan for Louis came in at $58/month), and standout features like prescription food coverage, no preventive care requirements, and a lightning-fast 14-day waiting period for knee and hip issues - way shorter than the 6-month waits you'll find elsewhere. The PumpkinNow feature is a genuine game-changer if your dog needs emergency care, and the 10% multi-pet discount adds up fast for households with multiple dogs. That said, Pumpkin dog insurance has some notable gaps: it doesn't cover advanced dental procedures like root canals or crowns, it lacks a mobile app (you're stuck with the online portal), and it won't reimburse you for lost pet advertising, boarding fees if you're hospitalized, or telehealth visits that actually diagnose and treat your dog. Their rival offers more comprehensive dental coverage, 24/7 telehealth with diagnosis and treatment, a dedicated mobile app, and perks programs included from day one - areas where Pumpkin dog insurance lags behind.

Better than most

If you've got a dog prone to knee problems, need prescription food coverage, or want straightforward claims with no preventive care hoops to jump through, Pumpkin is worth a look. If you want the most complete coverage package with advanced dental care, telehealth treatment, and a mobile-first experience, you'll find better options elsewhere. Still, Pumpkin dog insurance is a solid, reputable choice that delivers on its core promises.

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On the Pumpkin website

Pet Assure has been around since 1995, making it one of the older players in the pet care savings game - though calling it "dog insurance" would be a stretch. This isn't insurance at all; it's a veterinary discount plan that gives you 25% off in-house medical services at participating vets across all 50 states, Puerto Rico, and Canada. What makes Pet Assure stand out is its radical simplicity: no claim forms, no deductibles, no waiting periods, and zero exclusions. Pre-existing conditions? Covered. Hereditary issues? Covered. That 12-year-old rescue with a laundry list of health problems? Also covered. If you're tired of fighting with traditional dog insurance companies over denied claims and fine print, Pet Assure offers a refreshingly straightforward alternative - but it is an alternative to dog insurance.

Pet Assure isn't insurance - it's a discount plan with rock-bottom pricing

At Pet Assure, you're looking at $12 per month for a single dog (or $8.25 per month if you pay annually), $17 monthly for a family plan covering 2-4 pets, or $22 monthly for unlimited animals. Compare that to traditional dog insurance premiums of $40 to $60 per month for one healthy adult dog, and Pet Assure looks like a steal. There's no pricing variation based on your dog's age, breed, or health status - everyone pays the same flat rate. Pet Assure also throws in a lost pet recovery service with ThePetTag, giving you 24/7 support if your dog goes missing.

Here's the trade-off

Pet Assure gives you 25% off at participating vets, not the 70-90% reimbursement you'd see with traditional dog insurance. But there are zero deductibles, no claim forms, and no waiting periods - you get the discount instantly at checkout. Pet Assure covers everything done in-house at participating veterinary practices: wellness visits, sick visits, dental cleanings, allergy treatments, cancer care, emergency care, hospitalization, surgeries, and more. Pre-existing conditions? Covered. Hereditary issues? Covered. There are no payout limits and you can use it as many times as you need. The catch is that outsourced services (like lab work sent to an outside facility), take-home medications, grooming, and boarding aren't discounted.

Predictable savings without the hassle of traditional insurance paperwork

With Pet Assure, you won't deal with waiting periods, denied claims, exclusions for breed-specific conditions, or surprise limitations buried in fine print. Pet Assure is especially valuable if your dog has pre-existing conditions that would be excluded from regular dog insurance. Some pet owners even use Pet Assure alongside traditional insurance to cover gaps like deductibles and denied claims. The big limitation? You're restricted to Pet Assure's network of participating vets, and that emergency vet visit on a Sunday might not be covered if they're out-of-network. Pet Assure offers a 45-day money-back guarantee, so you can test it risk-free.

Earns an "A+" from the BBB, though their Trustpilot rating tells a messier story

Pet Assure has an "A+" rating from the Better Business Bureau, which suggests they handle formal complaints responsibly. Their Trustpilot page is less impressive - just 1.6 stars from around 100 reviews - but here's the thing: 69% of those reviews are actually 5-star ratings. The low average comes from Trustpilot's weighting system, which doesn't give much credit to older positive reviews. As for customer service, Pet Assure lists a phone number on their website, though specific hours aren't published. The good news? Most Pet Assure members won't need to contact customer service often since the discount happens automatically at the vet's office - no claims, no paperwork, no waiting for reimbursement.

Responsive service when issues arise

When Pet Assure customers do reach out, the company seems to handle things well. One member shared how they forgot to show their Pet Assure ID at checkout, and after calling customer service, the rep "was very nice, explaining to me their procedure" and Pet Assure sent them a $120 check for the discount they'd missed. A veterinary staff member left a review saying that their clients "are reasonably happy, especially the ones that get it free" through employers, and another long-time member with six pets praised the plan as "the perfect affordable alternative" since traditional dog insurance for multiple pets would be prohibitively expensive.

Though network limitations frustrate some

The main complaint? Network restrictions. One member whose in-network vet directed them to an emergency clinic on a Sunday discovered Pet Assure wouldn't cover it because the emergency vet wasn't in-network - a limitation that's consistent with how Pet Assure works, but still disappointing when you need urgent care. One review mistakenly complained about deductibles and claim denials, which suggests they confused Pet Assure with traditional dog insurance (Pet Assure has neither deductibles nor claims). Overall, the complaints aren't about Pet Assure being deceptive - they're about people not fully understanding what they bought or bumping up against the network limitations that come with a discount plan.

Decent budget option for multi-pet households...

Pet Assure's main strength is simplicity: no claims, no deductibles, no reimbursement delays - just show your ID at a participating vet and get 25% off. That makes it appealing for dog owners with multiple pets (you can cover up to four on the basic plan) or those who want predictable savings without the hassle of traditional dog insurance paperwork. The company earns an "A+" from the BBB and handles customer service issues responsibly when they arise. But Pet Assure only works at in-network vets, and if your regular vet isn't participating - or if you need emergency care at a non-participating clinic on a Sunday night - you're out of luck. It also doesn't cover anything outside the vet's office, like medications you pick up at a pharmacy or lab work sent to external facilities.

...but it's not dog insurance

Compared to actual dog insurance companies, Pet Assure offers far less financial protection for major emergencies (a 25% discount on a $5,000 surgery still leaves you paying $3,750 out of pocket, whereas dog insurance with 90% reimbursement would only cost you $500 plus your deductible). Pet Assure works best for people who need affordable routine care for multiple pets and have access to participating vets - but if you're looking for true financial protection against catastrophic vet bills, traditional dog insurance is the better choice. Pet Assure is a solid discount program that delivers what it promises, but it's not a substitute for comprehensive dog insurance coverage.

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On the Pet Assure website

Figo is a pet insurance company that's been around since 2015, founded by pet parents who couldn't find coverage that fit their lives. What sets Figo dog insurance apart is its focus on simplicity and flexibility - the company was built to take insurance out of its "overly complex & unrelatable world" and make it work for everyday dog owners. With customizable policies, fast claims processing, and perks like 24/7 vet chat access, Figo aims to remove the usual barriers that come with pet insurance. If you're tired of confusing coverage options and want a policy that adapts to your dog's needs, Figo might be worth a closer look.

Figo's pricing is highly customizable

When we tested Figo dog insurance using Louis, a 3-year-old Labrador retriever, we configured a plan with a $500 deductible, $5,000 annual coverage limit, and 80% reimbursement - which came out to $69 per month. That's slightly above the standard $40 to $60 range for healthy adult dogs, but Figo offers plenty of flexibility to adjust your premium. You can choose from four annual coverage limits ($5,000, $10,000, $20,000, or unlimited), four deductible options ($100, $250, $500, or $750), and three reimbursement rates (70%, 80%, or 90%). If you skip the unlimited annual coverage, you can even opt for 100% reimbursement - a rare perk in the dog insurance world. Just note that while you can decrease your annual coverage later, you can't increase it, so choose wisely from the start.

All the essentials you'd expect from dog insurance, plus a few standout perks

The policy includes accidents, illnesses, hereditary and congenital conditions, chronic conditions, orthopedic issues (after a 6-month waiting period that can be waived with a healthy exam), emergency services, surgeries, cancer treatments, diagnostic tests, and prescription medications. Figo dog insurance also covers non-routine dental work (as long as your dog has had proper dental care and no history of periodontal disease), rehabilitation therapies like underwater treadmill sessions and laser therapy, and even holistic treatments performed by a licensed vet. They don't cap claim payments by condition type, meaning you can fully use your annual benefits without worrying about hitting a per-incident limit. They'll even cover some curable pre-existing conditions if your dog shows no symptoms for 12 months.

Wellness care and vet exam fees offered as optional add-ons

For an extra $14 per month, you can tack on vet exam fee coverage, which reimburses you for exam costs related to accidents and illnesses (including telehealth consultations). Figo points out that the average pet parent spends $93 per vet visit on exam fees alone, so if you make at least two covered visits per year, the add-on pays for itself. If you want routine care covered - think vaccinations, spay/neuter, bloodwork, and heartworm prevention - you can add the Wellness Powerup for $16.50 per month. Keep in mind that these Powerups can only be added or removed during enrollment or at renewal, so you can't just toggle them on and off whenever you feel like it.

Exclusions are pretty standard for dog insurance, with a few quirks worth knowing

Like most insurers, Figo won't cover pre-existing conditions (unless they're curable and your dog is symptom-free for 12 months), routine wellness or preventative care (unless you add the Wellness Powerup), spaying or neutering, prescription food, experimental procedures, cosmetic surgeries, breeding or pregnancy, and most parasites. They also won't cover cloned pets or cloning procedures - which, let's be honest, probably wasn't on your radar anyway. Behavioral treatments aren't explicitly mentioned in the coverage details we located, so if your dog has anxiety or aggression issues, you'll want to clarify that with Figo directly before enrolling.

Figo throws in some nice perks beyond the policy itself

Every Figo policyholder gets free 24/7 access to Live Vet, a chat feature where you can connect with a licensed veterinary professional in seconds - perfect for those late-night "is this an emergency?" moments. You'll also get a personalized pet tag synced to your Pet Cloud account, which can help reunite you with your dog if they go missing. As for multi-pet discounts, Figo offers 5% off for multiple pets (and a 5% military discount in most states), though some competitors go as high as 10%. Figo dog insurance claims are processed lightning-fast - most close in just 2.4 business days on average - and you can submit them online, by phone, or even by fax if you're feeling nostalgic.

Waiting periods are pretty standard for dog insurance

If your dog gets injured in an accident, you'll be relieved to know there's only a 1-day waiting period before coverage kicks in - and if you live in Ohio, Pennsylvania, California, Nebraska, Washington, Mississippi, Louisiana, New Hampshire, Delaware, or Maine, that waiting period is waived entirely. That's slightly better than the typical 2-3 day accident waiting period you'll see with most dog insurance providers. For illnesses, Figo sticks to the industry standard with a 14-day waiting period, so you'll need to wait two weeks after your policy starts before coverage applies to any new sicknesses.

Orthopedic conditions come with a longer wait, but there's a way to skip it

If your dog needs treatment for an orthopedic issue - think hip dysplasia, torn ACLs, or other joint and bone problems - there's a 6-month waiting period before Figo will cover it. That's right in line with the industry standard of a 6-12 month wait for orthopedic coverage. The good news? You can waive this waiting period with a healthy orthopedic exam, though the details vary by state. If you're enrolling a young, healthy pup, it's worth checking if your vet can provide that exam so you're covered from day one in case of an injury down the line.

No upper age limit for enrollment

The minimum enrollment age is 8 weeks - right on par with the industry standard - so you can get your puppy covered as soon as they're ready to leave their litter. Unlike many dog insurance providers that cut off enrollment at 14 years or younger, Figo will insure dogs of any age, which is a huge plus if you're adopting an older pup or just didn't get around to buying coverage earlier in your dog's life.

Filing a claim with Figo dog insurance is quick with multiple submission options

You can file claims entirely online through the Pet Cloud app or website - just log in, click the claims icon, answer a few questions, upload your paid invoice, and have your vet send over medical records. If you're old-school, you can also call Claims Support or even fax in a paper form. Figo dog insurance requires three key documents: a list of all vets your dog has seen (either since adoption or within 12 months before your policy started), medical records, and a paid invoice. Processing is impressively fast - Figo aims for 7-10 business days, which beats the industry standard of 7-14 days, though they'll take up to 30 days if documentation trickles in slowly. Once your claim is approved, you can choose between ACH direct deposit (arrives in 3-5 business days) or a mailed check (arrives in 7-10 business days). Just remember to file within 180 days of your vet visit, though that window may vary depending on your state.

Multiple contact channels, with a special perk for Costco members

You can reach Figo by phone, email, or text, and Costco members get access to an exclusive customer service line (a nice touch if you're already shopping there for bulk dog food). Customer service hours run Monday through Friday from 7 AM to 7 PM Central Time, with limited Saturday availability from 7:30 AM to 4 PM.

Figo dog insurance earns mixed reviews

On Trustpilot, Figo dog insurance averages 3.7 stars from 2,200 reviews, and the company holds a "B" rating from the Better Business Bureau, with 81 complaints filed against the business. Of those 69 complaints that received responses, only 12 were fully resolved - yikes. One customer called Figo "a waste of time, money and effort," claiming the company will "find a way to reject your claim" regardless of riders purchased. Another complained about being hung up on and rerouted multiple times when trying to understand coverage.

Customer experiences split sharply between praise and frustration

While their BBB grade could be better, Figo's positive reviews are really positive: "They made timely reimbursements and explanations, they were readily available to help by phone and in person," one customer shared after their pet passed away. Another Costco member gushed about getting claims paid "within a day or two" and appreciated the ability to customize their dog insurance policy. When Figo dog insurance works smoothly, customers love the fast claims processing, but when disputes arise, the experience can feel like pulling teeth. One recurring complaint worth noting: premiums jumping significantly year over year, even with zero claims filed.

A solid choice if you want flexibility and lightning-fast claims

The company's biggest strength is its impressively fast claims processing, with most wrapping up in under three days. Figo dog insurance also shines with perks like 24/7 Live Vet chat access and no upper age limit for enrollment, making it a great fit for senior dogs or pet parents who want round-the-clock support. On the flip side, the pricing runs slightly higher than average (we saw $69 per month for Louis, our 3-year-old Lab), and the mixed customer reviews - especially around claim denials and premium hikes - are worth noting. If you're someone who values policy flexibility and fast reimbursements, Figo dog insurance is worth considering, but if you're on a tight budget or want rock-solid customer service consistency, you might want to shop around. Figo is a respectable option with standout features, but the customer experience concerns keep it from earning a higher rating.

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On the Figo website

ASPCA Pet Health Insurance has been protecting pets since 1997, making it one of the original dog insurance providers in the US. The plans are offered through PTZ Insurance Agency, which partnered with the well-known American Society for the Prevention of Cruelty to Animals in 2006 to create the ASPCA-branded pet insurance you see today. What sets ASPCA apart is their comprehensive Complete Coverage plan that goes beyond the basics - covering everything from accidents and illnesses to behavioral issues and alternative therapies like acupuncture. They've built their reputation on being one of the industry's pioneers, and with nearly three decades of experience, they know how to help dog owners when their four-legged family members need care most.

Pricing sits in the middle of the pack, with room to customize

When we ran a quote for Louis, our 3-year-old Labrador test case, the Complete Coverage plan came in at $53 per month - comfortably within the $40 to $60 standard range for a healthy adult dog. If you're just looking for accident protection, the Accident-Only plan drops to about $22 per month, which could work if you're on a tight budget and willing to gamble on illnesses. Your actual price will depend on your dog's age, breed, and where you live, so a senior Great Dane in Manhattan will cost more than a young mixed breed in rural Iowa.

Typical deductibles and reimbursement rates

Louis's quote was based on a $500 deductible and 80% reimbursement, but you can adjust both to fit your budget. ASPCA offers three deductible options ($100, $250, or $500 annually) and three reimbursement rates (70%, 80%, or 90%). Choose a higher deductible and you'll pay less each month - just remember you'll need to cover more out-of-pocket before ASPCA starts reimbursing you. The reimbursement rate is straightforward: pick 90% and ASPCA covers nine out of every ten dollars in eligible costs after your deductible. Annual coverage limits range from $2,500 to $10,000, with Louis's quote set at $5,000. There's no lifetime cap, so your coverage won't run out if your dog develops a chronic condition.

Discounts are available

Multi-pet households get a 10% discount on each additional pet. ASPCA also offers 10% discounts for veterinary employees, association members, and group benefit programs through employers. These discounts apply to your base premium, so they can add up - though they're not exactly game-changing if you're comparing total costs across providers. Still, if you're insuring multiple dogs or work in a vet clinic, it's worth factoring into your decision.

Complete Coverage plan handles the full spectrum of what can go wrong

The Complete Coverage plan is ASPCA's most comprehensive option, and it covers accidents, illnesses, hereditary and congenital conditions, diagnostic tests, surgeries, hospitalization, behavioral issues, and even alternative therapies. That means if Louis tears his ACL chasing a squirrel, develops hip dysplasia later in life, or needs acupuncture for arthritis, he's covered - as long as the condition wasn't pre-existing. ASPCA also includes exam fees in their coverage, which is a nice touch since many insurers make you pay those out-of-pocket. The Accident-Only plan, on the other hand, is exactly what it sounds like: it only covers injuries and emergencies related to accidents, so illnesses and hereditary conditions are off the table.

Wellness care is available as an optional add-on, not included in the base plans

If you want coverage for routine care like annual exams, vaccines, and dental cleanings, you'll need to add ASPCA's Preventive Care Coverage to your base plan. They offer two tiers: Basic ($9.95/month) covers up to $250 annually for things like wellness exams, vaccines, and heartworm tests, while Prime ($24.95/month) bumps that up to $450 and includes extras like flea prevention, blood tests, and even spay/neuter procedures. These add-ons work on a reimbursement schedule rather than contributing to your annual deductible, so you'll get paid back for specific services up to the listed amounts. It's a straightforward way to budget for routine care, though whether it's worth it depends on how much you actually spend at the vet each year.

Pre-existing conditions are excluded; cured conditions reconsidered after 180 days

Like all dog insurance providers, ASPCA won't cover pre-existing conditions - meaning anything that showed symptoms before your coverage started or during a waiting period. However, they do have a somewhat generous policy: if a condition has been cured and symptom-free (with no treatment) for 180 days, ASPCA will no longer consider it pre-existing. The major exception is knee and ligament conditions, which are permanently excluded if they occur before coverage begins.

15-day waiting period for accidents and illnesses

If you enroll in ASPCA Pet Health Insurance today, all coverage will begin 15 days after your policy effective date - so if your dog gets into a scuffle at the dog park or develops a sudden illness during those first two weeks, you're on your own. That's a bit longer than the industry standard of 2-3 days for accidents and 14 days for illnesses, which means you'll be waiting a little longer before your coverage kicks in. It's not a dealbreaker, but it's worth noting if you're comparing ASPCA to other providers that offer shorter waiting periods.

No special waiting periods for orthopedic or cruciate ligament conditions

Unlike some insurers that slap a 6-12 month waiting period on knee and ligament issues (looking at you, cruciate ligament exclusions), ASPCA doesn't have any extended waiting periods for orthopedic conditions. That's a genuine advantage if you're worried about your dog tearing her ACL while doing zoomies in the backyard - as long as it happens after that initial 15-day waiting period, you're covered. It's one of the few areas where ASPCA's policy is actually more generous than the competition, and it's worth mentioning if you're shopping around for a plan that doesn't penalize high-energy dogs prone to joint injuries.

Accepts puppies from 8 weeks old with no upper age limit for enrollment

You can enroll a puppy in ASPCA Pet Health Insurance once they hit 8 weeks old, which is the industry standard. But unlike many competitors that cut off enrollment at 14 years or younger, ASPCA has no maximum age restriction whatsoever. That means if you adopt a 10-year-old rescue or suddenly decide your 12-year-old pup needs coverage, you're still eligible - and your coverage won't be reduced or capped just because your dog is getting up there in years. ASPCA also doesn't appear to have breed-specific exclusions or surcharges listed in their policy materials, so whether you have a Labrador like Louis or a higher-risk breed like a German Shepherd, you should get the same base pricing (though your premium will still vary from ours based on age, location, and coverage options).

Processing time is on the slower side

You can submit claims online through ASPCA's member portal or by mail, and the company aims to process claims within 30 days or less - which is longer than the industry standard of 7-14 days. Once your claim is approved, you'll choose how you want to get paid: either via direct deposit to your checking account or a good old-fashioned check in the mail. You'll need to submit your vet bills and any supporting documentation (like medical records if ASPCA requests them), and the company will reimburse you based on the percentage you selected at enrollment - either 70%, 80%, or 90% of covered expenses. The catch? Customer reviews suggest the claims process can be hit-or-miss: some pet parents report lightning-fast reimbursements with zero hassle, while others complain about ASPCA repeatedly asking for documentation that was already submitted, causing delays and frustrating both owners and veterinarians. If you're the type who values a seamless claims experience, you might want to brace yourself for the possibility of some back-and-forth - though when it works, it works well.

Customer service is available by phone and email

ASPCA Pet Insurance offers support Monday through Friday, 8 AM to 8 PM EST via phone or email. If you need to cancel your policy, you'll have to email them - there's no quick button in the app or online portal. Speaking of the app, it's bare-bones at best. You can submit claims and make payments, but that's about it. One frustrated reviewer summed it up perfectly: "The app is seriously limited. It was probably an afterthought and one they did not want to put a lot of money into." If you want to adjust your coverage limits or make policy changes, you'll likely need to call in.

Customer reviews on ASPCA Pet Insurance are all over the map

The company holds a 3.6-star average on Trustpilot from over 6,300 reviews, but there's no Better Business Bureau listing to cross-reference. On the positive side, many customers rave about quick reimbursements: "ASPCA has been an absolute gift to us and our English Bulldog Lilly Tallulah. She has required a lot of medical care in her 6 1/2 years. We have submitted every bill from the doctors and ASPCA has paid very quickly." But the complaints are hard to ignore. Multiple reviewers report nightmarish claims experiences where ASPCA repeatedly requested paperwork that was already submitted, leading to delays and even angry calls from veterinarians. One pet parent described how the insurer "hounded" their vet's office so relentlessly that the vet threatened to drop them as a client. Another common gripe: rate hikes that seem suspiciously timed. One customer reported a 49% premium increase - from $776 to $1,156 annually - less than 24 hours after filing their first major claim, despite ASPCA's promise that "your rate will never change because of your pet's claim history." When they asked for an explanation, they got a generic response about industry-wide spending trends.

A middle-of-the-road option with solid coverage

ASPCA Pet Health Insurance has real strengths: their Complete Coverage plan is genuinely comprehensive, covering everything from behavioral issues to alternative therapies, and they don't hit you with extended waiting periods for orthopedic conditions like many competitors do. The pricing sits right in that $40 to $60 sweet spot for a dog like Louis, and if you're insuring multiple pets or work at a vet clinic, the 10% discounts add up.

Frustrating service gaps

But here's where ASPCA stumbles: their claims process is wildly inconsistent. Some pet parents get reimbursed quickly with zero hassle, while others report nightmare scenarios where the company repeatedly requests paperwork that was already submitted, even pestering veterinarians so aggressively that some threaten to drop clients. The 15-day waiting period is longer than most dog insurance providers, the app is bare-bones, and those suspiciously timed premium hikes (49% increases right after filing claims, despite promises that rates won't change based on claim history) leave a sour taste. ASPCA dog insurance works best for pet parents who want comprehensive coverage and don't mind potentially dealing with some claims runaround - but if you value a smooth, predictable customer experience, you might want to compare this provider against competitors with stronger service track records before committing.

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On the ASPCA website

Embrace Pet Insurance has been in the game since 2006, when they sold their first policy after winning the 2003 Wharton Business Plan Competition. What sets this dog insurance company apart is their genuinely people-first approach - they've been recognized as one of Northeast Ohio's top workplaces 10 times and even snagged the #1 spot from Forbes in 2022. Beyond the standard accident and illness coverage, Embrace stands out with their 24/7 PawSupport helpline, compassionate customer care, and a mission focused on letting you prioritize your dog's health without wrecking your budget. (Plus, they've raised over $1.2 million for local nonprofits, so your premiums are indirectly doing some good in the world.)

Embrace dog insurance pricing sits right in the sweet spot

For Louis, our 3-year-old Labrador retriever test case, a custom policy with a $500 deductible, 80% reimbursement, and a $5,000 annual limit came out to about $64 per month - which lands comfortably in the standard range for a healthy adult dog. Want to beef up your coverage? Adding exam fee coverage tacks on about $10 per month, and prescription drug coverage adds another $10. If building your own policy feels overwhelming, Embrace dog insurance offers three preset plans (Essentials, Preferred, or Complete) that bundle different annual limits, deductibles, reimbursements, and exam fee/prescription coverage options.

Discounts available

You can choose annual deductibles ranging from $100 to $1,000, reimbursement rates between 70-90%, and annual limits from $2,000 all the way up to unlimited. (That "unlimited" option is a game-changer if you've got a dog prone to expensive health issues.) Embrace dog insurance also automatically applies a 10% multi-pet discount when you insure two or more pets, plus a 5% military discount for active and former members of the US Air Force, Army, Marines, Navy, or Coast Guard - though that military discount isn't available in New York or Tennessee. Stack those discounts together and you could save up to 25% in most states.

Embrace covers the essentials - and then some

Embrace's accident and illness policy handles the usual suspects: accidents, illnesses, hereditary disorders, chronic conditions, diagnostic tests, surgeries, and hospitalization. Yes, breed-specific, genetic, and congenital conditions are covered as long as they're not pre-existing. Cancer treatment gets full coverage too - diagnostics, radiation, chemo, surgery, rehab, and complementary therapies. Emergency care and hospitalization are included, and if your dog needs an ambulance ride to the vet, Embrace reimburses that too.

Behavioral therapy is covered, but with a catch

If your dog needs behavioral training or treatment, Embrace will cover it - but only when it's administered by a licensed vet for a covered condition. Pre-existing behavioral problems are excluded, so if your dog was already wolfing down socks or showing aggression before your policy started, you're out of luck. On the flip side, complementary treatments like acupuncture, chiropractic care, hydrotherapy, and physiotherapy are included at no extra charge for any covered injury or illness. (However, vitamins, herbal supplements, and treatments not tied to a covered condition won't be reimbursed unless you add a wellness plan.)

The exclusions are standard - with a few notable items

Pre-existing conditions are out, as expected. Certain orthopedic conditions like hip dysplasia, cruciate ligament disease, IVDD, and patellar luxation have a six-month waiting period. If your dog shows any signs of these during the first 180 days, they're considered pre-existing for life. Bilateral conditions (like hip dysplasia on both sides) follow a similar rule - if one side is pre-existing, the other side won't be covered either. Preventative care, wellness exams, vaccinations, spaying, neutering, grooming, and breeding costs are all excluded unless you purchase a separate wellness plan. Cosmetic procedures, natural supplements, prescription food, and dental prophylaxis are also out.

Always look at a sample policy before committing

One quirk: Embrace only covers the first anesthetic removal of a foreign body per policy term. So, if your dog is a serial sock eater, you'll pay out of pocket after the first incident. This is the kind of detail you won't find in a quick quote, and there are many similar details that would take far too long to cover in a review. Before committing to any dog insurance company, you should always locate and read the full sample policy. Look for exclusions and limitations that apply to your specific dog's breed, age, and habits. A restriction like this might be highly relevant if you own a Lab known for eating everything in sight, but completely irrelevant if you have a picky Yorkie who's never touched a sock.

Wellness plan functions differently than you may expect

Embrace's Wellness Rewards isn't technically insurance - it's a routine care membership that gives you upfront access to annual funds you can spend on everyday pet expenses. You pick your reimbursement tier ($300, $500, or $700 annually), pay a monthly fee ($23, $40, or $56 respectively), and immediately get your full annual allowance to use however you want. That means wellness exams, vaccinations, spay/neuter surgery, grooming, flea and tick meds, training, pet activity monitors, even cremation or burial. Traditional wellness plans from other dog insurance providers typically work on a reimbursement model - you pay out of pocket first, submit receipts, then wait for the insurer to pay you back based on specific per-item limits (say, $50 for vaccines, $100 for dental cleaning). Embrace flips that script: you get all your money upfront and decide how to allocate it yourself. The trade-off? You're pre-paying for routine care rather than getting true insurance coverage, and if you don't use the full amount, you don't get a refund. But for dog owners who know they'll hit those wellness visits anyway, having immediate access to funds and flexibility beats nickel-and-diming through reimbursement paperwork.

Your dog will wait 14 days for illness coverage, but there's no accident waiting period

Unlike most pet insurers that make you wait 2-3 days for accident coverage, Embrace doesn't have a waiting period for accidents at all. But illnesses follow the industry standard - you'll wait 14 days before that coverage kicks in. That means that if your dog shows any signs of illness during that two-week window, it'll be considered pre-existing and won't be covered going forward. Conditions like hip dysplasia, cruciate ligament disease, IVDD, and patellar luxation have a six-month waiting period.

Embrace welcomes puppies as young as six weeks old, but seniors face a cutoff at 14

Most pet insurers set the minimum enrollment age at eight weeks, so Embrace's six-week threshold gives you a slight head start if you're bringing home a very young puppy. On the flip side, if your dog is 15 or older, Embrace won't offer full accident and illness coverage - though they do have an accident-only policy for senior pups who've aged out of the standard plan. That 14-year maximum is pretty typical in the industry, but it's worth noting if you're hoping to insure an older dog you just adopted. You won't find a list of banned breeds with Embrace - they'll cover any dog, whether it's a Chihuahua or a Great Dane. That said, your premium will definitely vary based on breed, since some dogs are statistically more prone to certain health issues.

No forms required if you go digital

You can submit claims through the Embrace website or their mobile app. All you need is your itemized invoice from the vet and the diagnosis or reason for the visit. The process is straightforward: log into your account, click "Submit a Claim," select your vet, upload your invoice, and choose the diagnosis. If you prefer old-school methods like email, fax, or snail mail, you'll need to include a claim form (which you can grab from your account). Once your claim is in, Embrace sends you an email confirmation and updates the status in your account so you can track progress.

Choose between check or direct deposit

Embrace's claims processing time is 10-15 business days, assuming they have everything they need. If documentation is missing, they'll reach out to your vet directly and keep you posted through your account. For reimbursement, you've got options: checks arrive in about 10 business days, or you can switch to direct deposit in your account settings and get your money within 3 business days.

Embrace offers phone support during business hours, but expect some hold time

If you need to get a quote or buy a policy, Embrace's sales team is available Monday through Friday from 9 AM to 8 PM ET, and Saturdays from 10 AM to 4 PM ET. For existing customers, their customer care line runs Monday through Friday from 9 AM to 8 PM ET, and Saturdays from 10 AM to 2 PM ET. The company does warn that due to high call volume, you might be on hold for a while. You can also submit claims and documents through your MyEmbrace online account rather than calling in, and there's a fax line if you prefer that route. It's worth noting that Embrace doesn't offer 24/7 support - so if your dog gets sick on a Sunday evening, you'll be waiting until Monday morning to reach anyone.

"A+" BBB rating and solid reviews, though experiences vary widely

Embrace Pet Insurance holds an "A+" rating from the Better Business Bureau, which suggests they're handling complaints professionally when issues arise. On Trustpilot, they've got a 4.1-star average from over 10,000 reviews - that's a respectable score for dog insurance, though there's still a fair mix of happy and frustrated customers. Reading through the reviews, you'll find people on both extremes: some have been with Embrace for years and rave about quick payouts and hassle-free claims, while others feel burned by denied claims they believe should've been covered.

Experiences range from "godsend" to "total scam" depending on claim outcomes

The positive reviews tend to come from people whose claims sailed through without drama. One customer whose dog went through multiple surgeries - including TPLO on both knees, a tail tumor, and spinal issues - said Embrace "kept their promise and covered Holly's healthcare needs, reimbursing all the vet and specialty cares". Another policyholder dealing with canine cancer at a specialty teaching hospital couldn't believe how easy it was: "Frankly, I can't believe it. My dog has cancer and I've had to take her to a veterinary teaching hospital at Purdue University for specialized care and the insurance company hasn't given me a problem at all. They also pay claims quickly". On the flip side, the negative reviews almost always center on denied claims for what Embrace labels as pre-existing conditions. One frustrated customer described Embrace as "a total scam," claiming the company kept requesting older and older vet records to hunt for reasons to deny reimbursement for an insect bite. Another policyholder battling over a groin tumor reimbursement said they were "passed from person to person and left on hold endlessly" despite providing photos proving the tumor wasn't the same as a previous skin tag. The takeaway? If your dog's claim is straightforward, Embrace seems to process it quickly and without fuss. But if there's any gray area around pre-existing conditions, be prepared for a fight.

Flexible coverage and solid core protection, but falls short in some ways

Embrace Pet Insurance delivers on the fundamentals - customizable annual limits, solid reimbursement for accidents and illnesses, and an "A+" BBB rating that shows they handle claims professionally when things go smoothly. The extended claim filing period (your entire policy term plus 60 days) and international coverage are genuinely useful perks you won't find everywhere. But Embrace stumbles where modern dog insurance providers are raising the bar: a $1,000 annual cap on dental illness means you're on your own if your dog needs a $3,000 root canal, and the lack of virtual vet visit coverage, medication reimbursement up to 100%, or boarding fee protection puts Embrace behind competitors that include these benefits. If you've got a healthy young dog and mainly want protection against big emergency bills, Embrace will do the job - but if you're looking for comprehensive coverage that includes telehealth convenience and modern perks, you'll find better options elsewhere. Embrace is a solid middle-tier choice that covers the basics but doesn't quite compete with the most feature-rich dog insurance plans on the market.

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On the Embrace website

Lemonade started in 2015 as a tech-first insurance company founded by two entrepreneurs with zero insurance background, and they've since grown into a New York-based operation with around 1.9 million customers. What makes Lemonade dog insurance different? They've ditched human claims processors entirely in favor of AI and chatbots. The company originally built its reputation on renters insurance before expanding into pet health insurance, and they're now available in over 40 states.

The quoting process is tedious compared to competitors

Before Lemonade dog insurance even shows you a price, they require your full street address (not just zip code), your date of birth, and answers to odd questions like whether your dog is your first. The chatbot interface tries to be cute by "accidentally" keyboard-smashing and joking about its cat, but when you're just trying to get a quote, the forced humor gets old fast. Other dog insurance companies let you adjust coverage options upfront, but Lemonade shows you their "base plan" first and then lets you customize - clearly hoping you'll stick with their initial offering and not bother comparing. It's a minor annoyance, but when you're shopping around for the best dog insurance deal, the minutes add up.

Lemonade's base plan starts at $53 per month for our test dog

We ran a quote for Louis, a 3-year-old Labrador retriever, with a $500 deductible, 80% reimbursement, and a $5,000 annual limit - and Lemonade dog insurance came in at $53. That's right in the competitive range for pet insurance, but don't get too excited - you'll notice the price climbs fast once you start adding coverage that other companies include in their base plans. Lemonade offers flexible deductible options ($100, $250, $500, or $750 annually), reimbursement rates from 60% to 90%, and annual limits ranging from $5,000 all the way up to $100,000. The base plan covers diagnostics like blood tests and MRIs, procedures including emergency care and surgery, and prescription medications - all standard stuff for dog insurance.

The add-ons are where Lemonade dog insurance gets expensive

Want exam fee coverage? That's $9 per month. Dental illness coverage? Another $13. Behavioral treatment? $4 more. Physical therapy like acupuncture and chiropractic care? Tack on $3. End-of-life coverage for euthanasia and cremation? That's $4. Oh, and preventative care comes in two tiers: basic routine vet care for $19 per month, or the plus version for $29 that includes dental cleaning and flea/tick meds. Add everything up and you're looking at $113 per month - nearly double the base price. Many competitors bundle exam fees, behavioral coverage, and alternative therapies into their standard dog insurance plans, so Lemonade's nickel-and-dime approach can feel frustrating when you're comparison shopping, even if the price tag ends up being about the same.

Lemonade offers discounts, but they don't apply to everything

The company advertises up to 5% off for annual payments, up to 10% for multiple pets, and up to 10% if you bundle with other Lemonade policies like renters or car insurance. Sounds good, right? Just be aware that these discounts only apply to your base accident and illness policy, plus the vet visit fee and physical therapy add-ons. All those other add-ons and preventative care packages? Full price.

Pre-existing conditions are excluded, as expected

Like every dog insurance company, Lemonade won't cover anything that showed up before your policy started or during waiting periods. Lemonade has a 2-day waiting period for accidents, 14 days for illnesses, 30 days for orthopedic conditions, and 6 months for cruciate ligament events - though the exact combination depends on where you live, so check your individual policy. If your dog shows symptoms before the waiting period ends, even if the diagnosis comes later, Lemonade might deny coverage. The one silver lining: non-chronic conditions can become eligible again if your dog is symptom-free and untreated for 12 months. Emergency care and hospitalization are covered under the base plan, which is reassuring when accidents happen.

Lemonade dog insurance requires puppies to be at least 8 weeks old to enroll

The maximum enrollment age with Lemonade is typically 14 years, though certain breeds may have different limits - some being allowed enrollment up to only 10 years. Once your dog is enrolled, coverage continues into their senior years, and enrolling early helps avoid pre-existing condition exclusions down the road. Lemonade premiums typically increase as your dog ages, which is standard across the dog insurance industry.

Filing a claim is quick and app-based

To submit a claim with Lemonade, you'll need their mobile app - no paper forms or phone calls required. Once you're logged in, tap "File A Claim" in the top right corner of your pet health policy screen, then follow the prompts to upload your vet's information and itemized invoice. The whole process takes just a few minutes, and you'll get an email confirmation with a claim number right away. You have 180 days from the date of treatment to file (90 days if you're in Texas), which gives you plenty of breathing room. When your first claim gets approved, Lemonade will ask for your bank account details and send reimbursement directly to your account. The real standout here is processing speed - many Lemonade dog insurance customers report getting paid within minutesor hours for straightforward claims (though more complex cases can take up to three weeks). That's significantly faster than the industry standard of 7-14 days, making Lemonade a strong choice if you're looking for quick turnaround times on your dog insurance claims.

Lemonade offers phone support during business hours, but relies heavily on chatbots

If you need to reach a human, you can call Lemonade between 9 AM and 8 PM Eastern Time, Monday through Friday. That said, most of your interactions with Lemonade dog insurance will happen through their app or chatbots - which is a double-edged sword. Some customers love the streamlined, no-phone-call experience, while others find the bot-heavy approach frustrating when they have specific questions that don't fit neatly into preset response options. One reviewer even complained that they couldn't check their next payment date without going through multiple chatbot prompts. So if you're someone who values quick, human-to-human conversations, Lemonade's dog insurance customer service model might feel limiting.

Customer feedback: fast claims processing vs. coverage frustrations

Lemonade dog insurance has a 4.1-star average from over 4,200 reviews, with 77% giving 5 stars and 17% leaving 1-star ratings. The positive reviews tend to praise the lightning-fast claims reimbursement - one customer said their money was deposited "within minutes for well care and only a couple of days for illness care". Another shared that Lemonade's customer support quickly resolved a double-charge issue, with a rep named Rosemary going the extra mile to cancel an old policy on their behalf. But the negative reviews tell a different story. Multiple customers complained that Lemonade dog insurance denied claims by labeling recurring conditions as "pre-existing" - like one dog owner whose claim for a second ear infection was rejected because their dog had one a year earlier. Another reviewer was furious after waiting three weeks for claim confirmation on a $5,000+ vet bill, with no way to speak to a live person.

Lemonade has a "B-" rating with the Better Business Bureau

The BBB has logged 591 complaints against Lemonade insurance, with 2 remaining unresolved. Many of the complaints echo common themes: premium hikes after renewal (one customer reported a 35% increase with no explanation), slow email responses when customers have follow-up questions about claim decisions, and frustration over what gets covered versus what doesn't. One dog owner paying $120 per month for what they thought was "top of the line" coverage only received $339 back on an $884 vet bill - and felt blindsided by how little Lemonade dog insurance reimbursed for preventative medications.

Lemonade's AI-first approach is impressive on speed but questionable on soul

Lemonade excels at speed - claims process in minutes, the app is sleek, and there's no waiting on hold. But when the AI denies your claim for a "pre-existing condition" based on one old ear infection, good luck reaching a human. Once you add necessary coverage, prices match competitors, and reimbursements often disappoint. With a "B-" BBB rating and reports of frequent claim denials, Lemonade 3 is solid for simple claims, but better options exist for comprehensive coverage or human support.

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On the Lemonade website

Pets Best has been around since 2005, when founder Dr. Jack Stephens - who issued North America's first pet insurance policy to Lassie herself - set out to end "economic euthanasia" by making veterinary care financially accessible. Twenty years later, the company has insured over 900,000 pets and paid out $1 billion in claims. What sets Pets Best dog insurance apart is their flexibility - no upper age limit for enrollment, unlimited annual coverage options, and three customizable plan tiers (Essential, Plus, and Elite) that offer varying levels of coverage, from basic accident and illness protection to comprehensive plans that include exam fees and alternative therapies. If you're weighing whether their higher-than-average premiums are worth it, or if their exam fee exclusions on the Essential plan are a dealbreaker, keep reading - we'll break down exactly where Pets Best dog insurance shines and where it stumbles.

Pets Best offers flexible pricing that runs higher than average

When we tested Pets Best dog insurance with Louis - our 3-year-old Labrador retriever - we got a quote of $85 per month for a "Plus" policy with a $5,000 annual limit, $500 deductible, and 80% reimbursement. That's about $10 to $20 more than most competitors, though it did include accident and illness exam fees. Pets Best dog insurance premiums are calculated based on your dog's age, breed, and location, which is standard across the industry. You can customize your coverage with annual limits of $5,000, $10,000, or unlimited, deductibles ranging from $50 to $1,000, and reimbursement rates between 70-90% - giving you plenty of options to tailor your Pets Best dog insurance plan to your budget.

All three plans cover core needs, but differ on exam fees and alternative care

Every Pets Best dog insurance tier - Essential, Plus, and Elite - covers accidents, illnesses, cancer, hereditary conditions, emergency care, surgeries, prescription medications, diagnostics (MRIs, X-rays), specialist visits, hospitalization, and lab tests. Here's how they differ:

• Essential - Basic accident and illness coverage, but you'll pay out of pocket for exam fees every time you visit the vet.
• Plus - Everything in Essential, plus accident and illness exam fees are covered.
• Elite - Everything in Plus, plus rehabilitative care, acupuncture, and chiropractic treatments.

If you want wellness coverage for routine care, Pets Best dog insurance offers optional add-ons: BestWellness for $29/month or EssentialWellness for $19/month. Behavioral treatments are mostly excluded, though consultations and prescription medications are covered if you purchase the appropriate supplemental benefits. You get a 30-day money-back guarantee if you cancel before filing any claims.

Standard exclusions apply, but some limitations are stricter than you'd expect

Like all dog insurance providers, Pets Best won't cover pre-existing conditions, preventative care (unless you add wellness coverage), elective procedures like tail docking or ear cropping, or breeding-related expenses. Pets Best dog insurance explicitly excludes medications not on their formulary and won't cover alternative or holistic treatments unless you have the Elite plan. They also exclude administrative fees, transportation costs, pet food (including prescription diets), supplements, and even anal gland expression.

Standard waiting periods that align with industry norms

If your dog has an accident - say, swallowing a toy or cutting a paw - you'll wait 3 days before coverage starts, which is right in line with the typical 2-3 day standard. For illnesses (like ear infections or stomach issues), the waiting period is 14 days, matching what most dog insurance providers require. Where Pets Best dog insurance sets itself apart is with cruciate ligament conditions (think ACL tears, which are common in active breeds like Labs): you'll need to wait a full 6 months before that coverage becomes active. That's on the shorter end of the 6-12 month standard for orthopedic issues, which is good news if you're insuring a breed prone to joint problems. Just remember - anything that happens during these waiting periods won't be covered, so if you're adopting a new puppy or switching providers, it's worth enrolling sooner rather than later.

Enroll puppies as young as 7 weeks old, no upper age limit

The minimum enrollment age is 7 weeks, which means you can get coverage for your puppy right away. And unlike some competitors that cut you off at 14 years, Pets Best dog insurance welcomes older dogs - a plus if you're adopting a senior rescue or just want to keep your aging pup protected as medical needs inevitably increase. Premiums are calculated based on your dog's age, breed, and location, so yes, certain breeds (especially those prone to hip dysplasia or cancer, like Labs or Golden Retrievers) will cost more to insure. As your dog gets older, expect premiums to rise - chronic conditions like cancer, heart disease, and kidney failure become more common with age, and Pets Best dog insurance adjusts pricing accordingly. But the fact that coverage continues into your dog's senior years without an enrollment cutoff makes this a decent option if you're planning long-term.

Mobile app and online portal for claims, but reimbursement isn't fast

You can submit claims right from your phone by snapping a picture of your vet invoice before you even leave the office, or log into their desktop portal if that's more your speed. The app lets you check claim status, get push notifications about updates, and even manage your pet's benefits on the go - all with biometric login if your device supports it. When it comes to reimbursement, you've got options: Pets Best dog insurance can send payments directly to your bank account, load funds onto a CareCredit card if you have one, or even pay your vet directly. However, customer reviews paint a mixed picture on processing speed - while some people report next-day reimbursements for wellness claims, others complain about waiting weeks or even months for payouts, with one reviewer noting their claim took over a month with repeated apology emails but no real explanation. That's well outside the 7-14 day industry standard, so if you need a quick turnaround for cash flow reasons, Pets Best dog insurance might not be your best bet.

Wildly inconsistent experiences and an "F" from the BBB

Pets Best is available by phone Monday - Friday 6 AM to 7 PM MST and Saturdays 6 AM to 2 PM MST. However, the company holds an "F" rating from the BBB for failing to respond to 28 complaints - a massive red flag. Yet they maintain a 4-star average from 5,600 reviews elsewhere, so experiences vary wildly. Some customers rave about painless claims and next-day reimbursements for wellness visits. Others tell horror stories: one single mom lost her pet after Pets Best refused to clarify coverage during an emergency. Another waited over a month for claim updates and called it "a complete joke." One policyholder was blindsided when a minor 2020 constipation issue became a "pre-existing condition" after Pets Best forced a policy switch in 2022. Bottom line: When it works, it works great. When it doesn't, you're in for a fight.

Pets Best dog insurance has potential but struggles with consistency

Pets Best dog insurance shines when it works - unlimited payouts, no maximum age restrictions, and a mobile app that makes submitting claims genuinely easy. But here's the problem: their execution is wildly inconsistent. Some customers get reimbursed the next day, while others wait months and receive nothing but apology emails. With an "F" rating from the BBB for ignoring complaints and horror stories about denied coverage for minor pre-existing conditions, Pets Best dog insurance feels like a gamble. If you need reliable, fast claim processing or transparent customer service, look elsewhere. This dog insurance provider might work if you can afford to wait weeks (or months) for reimbursement and don't mind fighting for payouts - but most dog owners deserve better. Pets Best dog insurance has some redeeming features, but the inconsistent service and poor reputation make it hard to recommend when competitors offer more dependable experiences.

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On the Pets Best website

Trupanion has been around since 1998, making it one of the older names in the dog insurance game. The company was founded by Darryl Rawlings after his family had to make an impossible choice about their standard poodle, Mitzy, who needed emergency surgery they couldn't afford. That origin story shapes Trupanion's big pitch today: they're the only dog insurance provider that can pay your vet directly at checkout, so you're not stuck fronting thousands of dollars and waiting weeks for reimbursement. Trupanion also offers unlimited lifetime payouts and 90% reimbursement with no caps - which sounds great on paper. But as you'll see, their pricing starts way higher than industry standards, and their "no age-based rate hikes" promise doesn't always hold up in practice. (Customers have the receipts.)

Trupanion's pricing starts dramatically higher than industry standards

When we ran a quote for Louis, our 3-year-old Labrador retriever, Trupanion came back with a staggering monthly premium of $327 for a $500 deductible - that's more than five times the typical $40 to $60 range you'd expect for a healthy adult dog. Trupanion justifies this sticker shock by claiming their rates are "priced for the lifetime of your pet" and won't increase just because your dog has a birthday. The pitch sounds reassuring: pay more now, save more later. But here's the catch - customer reviews tell a different story. One policyholder reported their premium jumping $67 per month in less than two years for two dogs with zero health issues, with Trupanion citing "the age of the dogs and possible complications that would arise in the future". (So much for "no age-based rate hikes.") Trupanion's dog insurance doesn't offer adjustable reimbursement rates or payout caps during the quote process - you're locked into 90% reimbursement with unlimited lifetime payouts. And if you're hoping for a multi-pet discount to soften the blow? Trupanion doesn't offer one, claiming it's part of their "commitment to transparent and fair pricing".

Comprehensive for unexpected illnesses and injuries, but zero routine care

Trupanion covers all new, unexpected illnesses and injuries, including hereditary and congenital conditions like hip dysplasia, diabetes, and cherry eye. Emergency care, surgeries, hospital stays, diagnostic tests (X-rays, ultrasounds, CT scans), prescription medications, and even alternative treatments like herbal therapy and physical therapy are all included. The dog insurance policy also covers prosthetic devices and advanced dentistry. However, Trupanion deliberately excludes wellness and preventive care, exam fees, and routine services like vaccinations and spay/neuter procedures. Their reasoning? These are "costs you can more easily plan for as a pet parent". (Translation: we're not covering the predictable stuff.)

Waiting periods are longer than the industry standard for both accidents and illnesses

If you're considering Trupanion dog insurance, you'll need to wait longer than usual before coverage kicks in. Injuries that occur within the first 5 days after your policy enrollment date are considered pre-existing conditions and won't be covered - most dog insurance companies impose 2-3 days for accidents. Illnesses have an even longer waiting period: anything that occurs or recurs within the first 30 days after enrollment is also deemed pre-existing and ineligible for coverage. That's more than twice the industry standard of 14 days for illness waiting periods. On the bright side, Trupanion doesn't specify separate waiting periods for orthopedic issues like hip dysplasia or cruciate ligament injuries, which many dog insurance providers extend to 6-12 months.

Trupanion dog insurance welcomes pets under 14 years old with no breed restrictions

Trupanion accepts all cats and dogs under 14 years of age for enrollment, offering what they call "lifelong coverage" once you're in. Trupanion has no breed restrictions whatsoever. Whether you've got a purebred Labrador, a rescue mutt, or a dog with minor health issues, they'll welcome you without charging breed-specific premiums that some other dog insurance companies tack on for "high-risk" breeds. (Though as we've seen elsewhere in this review, their promises don't always hold up in practice.)

Multiple claim submission options

Filing a claim with Trupanion is easy - you've got three ways to do it depending on what works best for you. If your vet is part of Trupanion's VetDirect Pay network, you might not need to lift a finger - your veterinary hospital submits the invoice directly to Trupanion, and their portion of the bill is often paid in seconds directly to your vet. (No waiting for reimbursement checks in the mail.) If your vet doesn't use VetDirect Pay, you can file online by logging into your Trupanion account on their website or app, uploading your pet's itemized invoice from the vet visit, and providing some basic details about what happened. Prefer the old-school approach? Download Trupanion's claim form, fill it out, snap a photo of it along with your itemized invoice, and email it, fax it, or mail it in. For documentation, you'll need an itemized invoice from your vet - make sure it's clear and complete, as missing information can slow things down. While Trupanion promotes "fast claims processing," they don't specify an average turnaround time. If your vet uses VetDirect Pay, reimbursements are paid directly to your veterinary hospital in seconds; otherwise, you'll be reimbursed after submitting your claim yourself.

Trupanion offers 24/7 customer support through multiple channels

You can call Trupanion toll-free, email them, or use their live chat feature. This round-the-clock availability is a plus for dog insurance, especially when you're dealing with a late-night emergency and need answers fast. The company markets itself as having a "pet-passionate team" ready to help anytime, which sounds great in theory - but how does that promise hold up in practice?

Looks good on paper

Trupanion holds an "A+" rating from the Better Business Bureau and has a 4.3-star rating from 10,000 reviews - though the BBB adds a caveat stating that customer reviews aren't factored into the overall grade, which only appears when those reviews skew negative. And indeed, the actual customer experiences paint a much more complicated picture than that shiny "A+" would suggest.

Some serious concerns about claims denials and premium increases

One longtime customer felt "heartbroken and disappointed" after Trupanion denied their first-ever claim, labeling their dog's vomiting as a pre-existing condition even though "any responsible pet owner knows, occasional vomiting is a common and normal occurrence for dogs". As we noted earlier, another policyholder discovered that Trupanion's 90/10 copay structure is "totally opposite of what we are used to with our healthcare" - you pay 10% of the total bill before the deductible, which isn't clearly explained on their website and costs customers more out of pocket. Premium hikes are a sore spot: one long-term customer praised their coverage of diabetes, though they admitted "the rates go up significantly every year - much more than the cost of inflation". Trupanion may answer the phone 24/7, but responsiveness to emails seems inconsistent - one reviewer was "chuckling at Trupanion's response" to their angry Trustpilot review about rising premiums, since their email about the same topic "was never replied to".

Trupanion's bait-and-switch leaves a bad taste in our mouth

On paper, Trupanion dog insurance looks solid: unlimited lifetime payouts, no per-incident caps, coverage for hereditary conditions, and that slick direct-pay feature at participating vets. The 24/7 customer service sounds reassuring, and the company's been around long enough to build name recognition. But here's the problem: you're paying $300+ per month (based on our quote for Louis, a 3-year-old Lab - your dog's rate will vary), and Trupanion still hikes those premiums aggressively year after year, despite claiming their sky-high rates are justified because they won't do that. Customer reviews are littered with complaints about denied claims over technicalities like "pre-existing tartar" and frustration over that misleading 90/10 copay structure that costs more than you'd expect. If you've got a healthy young dog and can stomach the sticker shock, Trupanion's comprehensive coverage might work - but for most dog owners, the combination of premium costs, surprise rate increases, and inconsistent claims handling makes this dog insurance provider hard to recommend. There are better options out there that won't drain your wallet quite so aggressively.

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On the Trupanion website

Healthy Paws' dog insurance has been around since 2009, when it was founded by Rob Jackson and Steve Siadek. In 2024, the company was acquired by Chubb - a massive, multi-billion-dollar insurer that's been underwriting Healthy Paws policies since 2013. What sets Healthy Paws apart? They were the first to launch a pet insurance iPhone app and ditch paper claim forms entirely. But, as you'll see, the combination of higher-than-average premiums, limited customization options, and notable coverage gaps means Healthy Paws dog insurance may not live up to its reputation - especially when you compare it to competitors offering more flexibility for less money.

Healthy Paws pricing runs higher than average - and your options are limited

When we tested with Louis, our 3-year-old Labrador retriever, a plan with an $500 deductible and 80% reimbursement came out to $109 per month - a solid $40 more than several competitors offering similar coverage. That's also well above the standard $40 to $60 range for a healthy adult dog. Your customization options with Healthy Paws dog insurance are more restrictive than you'd expect: reimbursement rates cap out at 80% (compared to the standard 70-90% range), and deductibles run from $250 to $1,000 annually. Oh, and if you pay by credit card, add a 2.99% processing fee - because apparently a company owned by the multi-billion-dollar company Chubb Limited needs help covering transaction costs.

Coverage is straightforward but bare-bones

Healthy Paws dog insurance covers the essentials: emergency care, surgery, hospitalization, diagnostic tests like X-rays and blood work, prescriptions, and even alternative treatments like acupuncture. Hereditary, congenital, and breed-specific conditions are included, along with cancer treatment - which is standard but still worth noting. The upside? No annual or lifetime payout caps, meaning Healthy Paws won't cut you off after a certain dollar amount. The downside? Pretty much everything else. There's no wellness coverage whatsoever - not even as an add-on - so you're on your own for vaccinations, flea prevention, dental cleanings, and routine care.

The exclusions list reads like a greatest hits of "things you'll actually need"

Healthy Paws dog insurance doesn't cover exam fees - that's right, the cost of actually seeing the vet isn't included, because they claim it keeps premiums "more affordable" (a dubious assertion given the pricing above). Pre-existing conditions are out, as expected, along with preventive care, spay/neuter procedures, and behavioral treatments. Dental care is only covered if it's due to a traumatic injury - so routine dental issues are your problem. If you're hoping for comprehensive dog insurance that covers the full spectrum of your pet's health needs, Healthy Paws isn't it.

Healthy Paws dog insurance has longer waiting periods than the industry standard

Healthy Paws dog insurance waiting periods vary by state, so double-check what applies to your location before signing up. In Illinois, for example, Healthy Paws enforces a single 15-day waiting period for both accidents and illnesses - longer than the typical 2-3 days for accidents and 14 days for illnesses you'll find with most competitors. If your dog is five or younger when you enroll, hip dysplasia comes with a full 12-month waiting period, within the standard 6-12 month range for orthopedic conditions.

Sets standard age limits but quietly penalizes older pets and certain breeds

Healthy Paws dog insurance allows you to enroll puppies as young as eight weeks and dogs up to 14 years old - right in line with industry standards. However, here's where things get tricky: if your dog is five or older when you sign up, Healthy Paws dog insurance limits your reimbursement options and forces you into higher deductibles. And it's not just age - certain breeds get hit with restrictions too. Even mixed breeds like Great Dane mixes or Bulldog mixes may be locked out of the highest reimbursement levels or specific deductible choices. Once you're enrolled, coverage continues for life (assuming you keep paying those premiums), so senior dogs stay covered. But given the higher costs and fewer options for older pets, you might want to lock in Healthy Paws dog insurance while your dog is still young - or look at alternatives that don't punish you for having an aging pup.

They may be willing to pay the vet directly

Filing a claim with Healthy Paws dog insurance is pretty simple - you can upload your vet invoice online or through their mobile app, which has replaced the old paper claim forms entirely. If you're old-school and prefer forms, you can still download a custom claim form from the Customer Center and email it in with your itemized invoice. Once your claim is approved, Healthy Paws dog insurance processes reimbursements in about 24 business hours on average. You can choose to receive your money via direct deposit (which takes up to 72 hours to hit your account) or a mailed check (which can take up to 15 days depending on where you live). Just about the only thing Healthy Paws has going for it is that if you're facing a massive vet bill and can't pay upfront, you can request that Healthy Paws dog insurance pay your vet directly - but you need to arrange this before treatment, and approval for direct payment doesn't guarantee your claim will actually be covered.

"Mixed feedback" is putting it mildly

Don't get too excited by Healthy Paws' "A+" rating from the BBB. On Trustpilot, Healthy Paws holds a 3.8-star average, but the distribution tells a more complicated story - 82% of reviews are 5-star raves while 15% are 1-star horror stories. Nearly every negative review mentions the same issue, which we'll get to in a moment.

When this insurance works, it really works - but the rate hikes are brutal

Positive reviewers consistently mention fast claim processing and helpful support during emergencies. One customer whose dog needed two knee surgeries and ongoing neurologist care said they "have never once had to speak to a representative; that's how good their app is". Another family dealing with a broken femur surgery called the company "responsive and supportive" with "zero surprises". But here's where things get ugly: the 1-star reviews paint a picture of exponential premium increases as dogs age. One customer saw their Healthy Paws dog insurance jump from $30 to over $220 per month, while another reported a 335% increase from $36 to $160. A third watched their rate go from $80 to $375 monthly. Multiple long-term customers said Healthy Paws was "a great company years ago" but has "completely gone down the toilet" since being acquired by Chubb.

Customer service is hit-or-miss, with some users reporting stone-walling on claims

While some customers breeze through the claims process via the app, others describe communication breakdowns and arbitrary denials. One heartbroken owner whose dog died in May 2025 said Healthy Paws dog insurance gave them "the biggest runaround" and still hadn't paid out five months later, after eight years of premiums - they've now filed complaints with the BBB and Georgia Insurance Commissioner. Another customer trying to get medical records accepted said they had to threaten legal action before Healthy Paws would confirm receipt. The pattern suggests that while routine claims may process smoothly through the app, anything requiring actual human intervention from Healthy Paws dog insurance can turn into a nightmare.

Inconsistent service and steep rate hikes make Healthy Paws hard to recommend

When claims process smoothly (which many customers say they do), Healthy Paws delivers fast reimbursements and helpful support during emergencies. But here's the deal-breaker: nearly every negative review mentions the same nightmare - premiums that skyrocket as your dog ages, sometimes tripling or quadrupling from your (already high) starting rate. Compared to competitors, Healthy Paws falls into that frustrating category of "used to be great" before their acquisition by Chubb seemingly changed priorities from pet care to profit maximization. We recommend looking at alternatives with more stable pricing track records.

Learn More  ➜

On the Healthy Paws website

Nationwide has been a household name in insurance for decades, and their pet insurance division brings that same established reputation to dog owners across the country. What sets Nationwide apart is their modular approach - you can customize your dog insurance coverage piece by piece, choosing exactly what you need (and skipping what you don't). It's a flexible option that looks pretty attractive at the outset, but as with any dog insurance provider, the details matter.

Nationwide dog insurance offers flexible pricing with customizable coverage options

When we got a quote for Louis, our 3-year-old Labrador retriever, Nationwide gave us three tiers to choose from: bare-bones accident coverage for just $11/month, accident and illness coverage for $54/month, or fully customizable coverage where you pick your own deductible, reimbursement rate, and annual limits. Using our standard criteria, Louis's quote came out to $61/month - right in the sweet spot for dog insurance pricing. Nationwide also sweetens the deal with a 5% multi-pet discount if you're insuring more than one furry friend.

Reimbursement and deductible options give you control over your monthly costs

Nationwide dog insurance lets you choose reimbursement rates between 50-70% (a bit lower than the industry standard of 70-90%), and deductible options of $250, $500, or $1,000. Annual coverage limits vary depending on what you're protecting against: $2,500 or $5,000 for accidents, and $5,000 or $10,000 for illnesses. Nationwide lets you opt in or out of hereditary and congenital condition coverage - it's an extra $2.43/month, but it adds another $5,000 per year specifically for conditions like hip dysplasia, elbow dysplasia, and collapsed trachea.

Nationwide dog insurance covers the essentials plus some notable extras

The accident and illness plan covers everything you'd expect - broken bones, poisoning, heat stroke, ear infections, allergies, cancer, plus all the diagnostic tests, medications, and surgeries that go with them. Emergency care and hospitalization are included, and prescription medications are covered too. Wellness coverage is optional (it came out to an additional $18.91 for Louis' plan), and if you spring for it, you'll get two physical exams per year, vaccinations, fecal tests, flea/heartworm prevention, and even spay/neuter/dental (with a 90-day waiting period). Alternative therapies like acupuncture and chiropractic care are covered - but only if your vet prescribes them for a covered condition. Nationwide dog insurance also throws in some useful perks at no extra cost: 24/7 vet helpline access and a pet prescription discount program.

The exclusions are mostly standard, but there are a few quirks to watch for

Like all dog insurance policies, Nationwide won't cover pre-existing conditions (though if your vet can prove a condition has been cured for at least six months, you might be able to get it covered). The usual suspects are also out: grooming, breeding costs, cosmetic procedures, and behavioral training unless it's medically necessary. Wellness care isn't included unless you buy the optional wellness rider. Exam fees aren't explicitly mentioned as covered in the base plan, so you'll want to clarify that when signing up.

Cruciate ligament issues face a notably long exclusion window

When you sign up for Nationwide dog insurance, you'll encounter a standard waiting period structure across most of their plans. For accidents, there's typically a short waiting period of just a few days before coverage kicks in - right in line with what you'd expect from most dog insurance companies. Illnesses follow the industry-standard two-week waiting period, giving Nationwide time to ensure pre-existing conditions don't slip through. However, if you're worried about orthopedic issues - particularly cruciate ligament or meniscal damage - Nationwide imposes a full 12-month waiting period from when clinical signs first appear during your first policy term. That's on the longer end of the 6-12 month standard for orthopedic conditions, so if your dog is already showing signs of knee problems, you won't see coverage for quite a while.

Nationwide keeps enrollment age details frustratingly vague

While Nationwide dog insurance doesn't explicitly state a minimum puppy enrollment age on their website, you can probably expect the standard 6-8 weeks. The bigger question mark is their maximum enrollment age for older dogs. Nationwide won't confirm whether there's an age cap (some reports suggest you can't enroll a dog past 10 years old, but the company hasn't verified this). What they will tell you is that if you're enrolling your senior dog for the first time, certain conditions may be excluded as pre-existing. Coverage does continue for senior dogs already enrolled, though older dog plans have notably limited coverage - they exclude illness entirely, along with congenital and hereditary conditions.

Filing claims is straightforward, with faster-than-average processing times

Filing a claim with Nationwide dog insurance is pretty painless - you can submit everything online through their online portal or via their mobile app, which lets you snap photos of your invoices right from your phone. You'll need a completed claim form (which you can download pre-filled from your account) and an itemized invoice from your vet that shows your pet's name and breakdown of services. Make sure to include your pet's actual diagnosis in the diagnosis section, not just symptoms or a list of treatments. Once Nationwide receives your claim, they typically complete the review within 5 days - notably faster than the 7-14 day industry standard. For reimbursement, Nationwide has partnered with Chase to offer electronic payments directly to your bank account, Zelle, or Visa/Mastercard debit card. After your claim is processed, you'll get a text or email notification, and once you accept the payment through the Chase portal, the money hits your account within one to two business days. If you don't accept the electronic payment within 7 days, they'll mail you a paper check instead.

Customer service and veterinary professionals can be reached multiple ways

Nationwide dog insurance offers phone support with dedicated lines for member care and new enrollments. Their call center operates Monday through Friday from 5 AM to 7 PM Pacific time, with Saturday hours from 7 AM to 3:30 PM. Nationwide also gives you 24/7 access to licensed veterinary professionals via video chat, typically within 30 minutes (or 5 minutes for critical cases). One user raved about booking a video call with an actual vet at 9 PM on a Friday, praising the doctor's knowledge and saying, "She was very friendly and I wish she was my actual vet". This free service for Nationwide members includes vets certified in internal medicine, emergency care, and toxicology.

The ratings paint a mixed picture for Nationwide

The company holds an "A+" rating from the BBB for all Nationwide insurance types, and their pet insurance maintains a 4.4-star average on Trustpilot from 2,000 reviews. However, many dog owners report frustration with Nationwide's schedule of benefits system, where the company assigns maximum payouts for specific procedures that often fall short of actual vet costs. One corgi owner was shocked to discover their dog's $20,000 emergency surgery would only be reimbursed up to $7,500 annually, despite paying premiums that climbed from $60 to $150 per month. Another customer explained that Nationwide divides payouts into "primary" and "secondary" categories, with secondary procedures receiving significantly less reimbursement - making it "a pain to figure out what the medical term means and then compare if your dog was actually treated for that". The premium increases are particularly steep as dogs age, with one owner reporting their monthly costs jumped from $50 for a new puppy to $167 for a ten-year-old dog. Some customers had positive experiences - one elderly cat owner received $2,800 in reimbursements for $3,300 worth of care - but negative reviews frequently mention denied claims for seemingly covered conditions, like a double ear infection that was rejected with no explanation.

The biggest news about Nationwide is deeply troubling

Here's where you should really pay attention: in 2024, Nationwide announced it would cancel coverage for approximately 100,000 pets, citing rising veterinary costs and inflation. While Nationwide claims the cancellations weren't based on age, breed, or claims history, many affected policies covered older pets with preexisting conditions who now face the impossibility of finding new coverage. One Michigan pet owner paying over $700 monthly for three dogs learned her policies wouldn't be renewed despite years of loyalty to Nationwide. The company began sending cancellation letters in spring 2024 and continued through summer 2025, leaving pet owners scrambling - with one stating, "Pet owners are contemplating euthanizing sick pets because they are uninsured, and all [Nationwide] can say is they need to make more money". Multiple customers report similar experiences of paying premiums for years only to have Nationwide dog insurance cancel their coverage when their pets aged, with one owner noting their policy was cancelled just two months after their dog turned 8.

No longer recommended

Nationwide was America's preferred pet insurer - until 2024, when they canceled 100,000 policies and destroyed their reputation overnight. Yes, they offer a 24/7 VetHelpline and have won a perfect BBB grade. But their schedule of benefits system routinely blindsides owners with reimbursements thousands below actual costs (one owner got $7,500 back on a $20,000 surgery). Worse? Nationwide systematically dropped loyal customers the moment their aging dogs needed coverage most - many right after turning eight - leaving owners facing euthanasia because no other insurer would cover their now-uninsurable pets. (There was never any Affordable Care Act for dogs.) The message is clear: Nationwide takes your premiums when your dog is healthy, then abandons you when expensive care arrives. We cannot recommend an insurer that betrays customers during their darkest hours, no matter how good the coverage looks today.

Learn More  ➜

On the Nationwide website