Best Puppy Insurance Plans for 2023: A Complete Guide

by | 1/23/2023

Jump To: Best Puppy Insurance Plans and Providers | What is Puppy Insurance? | How To Find the Best Puppy Insurance | Final Thoughts | FAQs | Methodology

Puppies are darling, and few things warm our hearts as much as an adorable puppy pawing at our leg. However, they can quickly become expensive. Between routine veterinary care costing between $700 to $1,500 yearly and emergency care costing at least $500, with advanced surgeries costing upwards of $5,000, providing our puppies with good care can be costly. 

However, no pet parent should ever have to hesitate to get their puppy the care they need. Puppy insurance gives you a financial safety net should your mischievous puppy swallow something, break a bone, get sick, or worse. 

In this guide on the best puppy insurance, we’ll discuss the following best pet insurance companies and their plans for puppies:

Best Puppy Insurance Plans and Providers

Provider Cost Coverage Deductible Age Limit
Spot $40 per month $2,500 to unlimited $100 to $1,000 None
Lemonade $37 per month $5,000 to $100,000 $100 to $500 14 years old
Embrace $35 per month $5,000 to $30,000 $200 to $1,000

14 years old (accident and illness) 

15+ eligible for accident-only

Healthy Paws $39 per month No limit $100 to $1,000 Up to 14th birthday
ASPCA $48.78 per month $3,000 to $10,000 $100 to $500 None
Prudent Pet $39 per month $10,000 to unlimited $100 to $1,000 None


Spot Pet Insurance

Spot Pet Insurance’s biggest benefits are its comprehensive wellness plans and multiple tier options. This is a great benefit for parents of puppies since puppies need to go to their vet for more frequent checkups than adult dogs. We also like that Spot offers holistic care options, which isn’t surprising considering its partnership with Cesar Millan, the famous dog trainer. Unlike many pet insurance providers, Spot covers behavioral therapy and issues. In addition to this, it offers free online resources for pet parents looking to train their puppies and prevent future behavioral problems.  

Spot is provided by Crum & Forster Pet Insurance Group, a top-rated insurance provider that’s been around since 2006. Other features we like about Spot are that it offers a generous multi-pet discount, a 24/7 telehealth helpline, and there are no age limits to signing up your pet for a plan with them. 

Pros and Cons 


  • 10% multi-pet discount
  • No age restrictions for enrolling your pet in a plan
  • Customizable plan options, including the option for unlimited annual benefits
  • Multiple wellness plan options for puppies
  • 24/7 telehealth helpline available


Plans and Coverage 

Spot puppy insurance starts as low as $10 per month for its accident-only plan and as low as $16 per month for its complete coverage plan. We like that it offers a cheaper accident-only option for pet parents looking to cover their puppy for the worst-case scenario. On average, you can expect to pay between $30 and $50 per month for dog insurance, depending on the customizable coverage options you choose from. 

Currently, Spot offers an accident-only plan, accident and illness plan, and multiple wellness plan options. Spot is well known for its comprehensive wellness plan options, which are broken into two tiers. 

Spot’s gold plan is $9.95 per month and offers annual benefits of up to $250. The gold plan includes:  

  • Dental Cleaning $100
  • Wellness exam $50
  • Canine DHLPP $20
  • Rabies and/or Canin Lyme  $20
  • Fecal Test  $20
  • Canine Heartworm test $20
  • Deworming $20

Spot’s platinum plan is offered at $24.95 per month and has $450 in annual benefits. The platinum plan includes: 

  • Dental Cleaning or Spay/Neuter $150
  • Wellness exam $50
  • Flea/heartworm prevention $25
  • Canine Bordetella $25
  • Canine DHLPP $20
  • Rabies and/or Canine Lyme $20
  • Fecal Test  $20
  • Canine Heartworm $20
  • Blood test $25
  • Urinalysis $25
  • Deworming $20
  • Health certificate $25

Overall, we love that Spot has comprehensive wellness plans, a complete coverage accident and illness plan, and a more affordable accident-only plan. Its coverage customization options also give pet owners a lot of personalization regarding how much coverage they sign up for and allow them to alter the price to fit their budget better. We don’t love that Spot doesn’t cover prescription pet food and has bilateral exclusions for specific conditions. 

Lemonade Pet Insurance

Lemonade pet insurance has a large number of customization options for its pet insurance plans, which gives pet parents a lot of control over their deductibles, coverage limits, and reimbursement rates. We like that Lemonade also offers add-ons for special services, like acupuncture and physical therapy. Its easy online interface and affordable pricing are other standout features that Lemonade provides its clients. In addition, if you’re looking for renters or homeowners insurance, Lemonade offers these types of insurance, too, so you can bundle them with one company and receive a discount. 

Another unique and positive feature Lemonade offers is its Giveback program, which donates unclaimed money from policyholders to nonprofit organizations of their choosing. We also like that Lemonade’s exclusive app uses artificial intelligence to process your claims faster so that you can be reimbursed quickly and aren’t waiting around for your claim money. 

We don’t like that Lemonade is currently only available in 35 states. Florida, Hawaii, Idaho, Alaska, Delaware, Kentucky, Kansas, Maine, Louisiana, Massachusetts, Minnesota, Vermont, South Dakota, West Virginia, and Wyoming are all states that Lemonade does not currently cover. 

Pros and Cons 


  • Less expensive puppy insurance plans starting at $10 per month
  • 48-hour wait period for accidents
  • Completely online experience
  • Offers preventative care puppy package
  • 5% multi-pet discount available


  • Only available in 36 states
  • Newer to the market

Plans and Coverage 

Lemonade offers multiple types of insurance for your puppy, including an accident and illness plan that will cover your puppy for diagnostics, procedures, and medications needed to treat any accidents or illnesses they have. Lemonade’s accident and illness plan costs $37 on average for dogs but can be as low as $10 per month depending on your pet and the options you choose for your plan. This plan will not cover any pre-existing conditions, which are defined as any health condition your puppy had before the plan with Lemonade became active. It also won’t cover behavioral treatments or elective procedures. 

In addition to its comprehensive accident and illness plan, Lemonade offers multiple preventative care packages for dogs, including a special puppy preventive care package. These plans must be purchased with an accident and illness plan and cannot be purchased independently. 

Lemonade’s dog preventative package is $15 per month and includes the following: 

  • One annual wellness exam
  • One fecal or internal parasite test
  • One heartworm or Fel/FIV test
  • One blood test 
  • Vaccines (up to three)
  • Medical advice chat

Lemonade’s puppy-specific preventative package gives you more coverage. This plan costs $40 per month and includes the following: 

  • Two wellness exams
  • Two fecal or internal parasite tests
  • One heartworm test
  • One blood test 
  • Vaccines (up to six)
  • Medical advice chat
  • Flea/tick or heartworm medication
  • Routine dental cleaning
  • Microchip
  • Spay/neuter

Additional add-ons to these plans include vet visit fees associated with accidents or illnesses and physical therapy treatments, such as acupuncture and chiropractic work. These add-ons are a $1 or more per add-on to your preventative care package. 

Overall, we like that Lemonade is a more affordable pet insurance option and that it offers a more thorough wellness plan specifically for puppies that helps cover the cost of extra vaccines, checkups, microchipping, and spaying/neutering.

ASPCA Pet Insurance

ASPCA pet insurance is a collaboration between the American Society for the Prevention of Cruelty to Animals and the Crum & Forster Pet Insurance Group, a top-rated insurance provider. Due to ASPCA’s mission, its insurance focuses heavily on prevention, so it offers microchipping, behavioral issues, dental disease coverage, and more. 

We like that ASPCA pet insurance has a convenient Member Center app, which you can use to submit and track your claims process, review your benefits, contact them, make payments, and more. ASPCA also offers a considerable 10% multi-pet discount, which is more generous than many pet insurance providers. Its 30-day money-back guarantee and many customizable coverage options are other significant benefits to choosing ASPCA pet insurance. Another great feature is that you don’t have to take your puppy to an exam before enrollment, which many providers require. Overall, we like ASPCA’s many customization options, strong partnerships, and that it offers wellness plans. 

Pros and Cons 


  • Offers 10% multi-pet discount
  • Microchip coverage included
  • Partner of the American Society for the Prevention of Cruelty to Animals
  • Insurance provided by Crum & Forster Pet Insurance Group
  • Coverage for congenital and hereditary diseases


  • More expensive than many pet insurance providers
  • Largest annual coverage limit option is $10,000
  • Poor customer reviews

Plans and Coverage 

ASPCA offers many plans for puppies, including a beneficial accident-only plan which can give you coverage for those worst-case scenarios where your puppy may get into accidents. This accident-only plan would cover you for the costs of broken bones, emergency hospitalizations, and surgeries for swallowed foreign objects, snake bites, dog bites, and more. 

Typically, you can expect to pay around $48.78 per month for dog insurance through ASPCA. However, this rate will vary based on your dog’s breed, health, age, and location. The sooner you sign it up for pet insurance, the better rate you’ll likely be able to secure. We like that ASPCA’s accident and illness plan does offer coverage for dental disease, but we were disappointed to see that it wasn’t as extensive as many of its competitors. However, ASPCA’s coverage for many illnesses, congenital conditions, hereditary conditions, and behavioral issues are solid. 

ASPCA also offers two types of wellness plans, which can help you with the costs of routine care for your puppy. 

Its basic preventative care plan includes the following: 

  • Dental cleaning
  • Wellness exam
  • Deworming
  • FVRCP vaccine/titer
  • Rabies or FIP vaccine/titer
  • Fecal test

In addition to what the basic preventative care plan includes, the prime care plan also provides coverage for a health certificate, urinalysis, and blood tests. In terms of cost, ASPCA’s basic plan will cost $9.95 per month, and its prime plan is $24.95 per month. The basic plan will provide you with $250 in annual coverage, while the prime plan provides you with an impressive $450 in annual coverage. 

Overall, we love that ASPCA has multiple preventative care plans, a generous multi-pet discount, and excellent partnerships with a well-respected pet foundation and A+ rated insurer group. We don’t like that its plans stop at a $10,000 annual deductible.

Embrace Pet Insurance

Embrace pet insurance offers some of the most extensive and comprehensive pet insurance on the market. We like that Embrace offers coverage for curable pre-existing conditions, which is not commonly seen amongst pet insurance providers. If your pet has a curable pre-existing condition, such as an ear infection or allergy, before you enroll it with Embrace, you can receive coverage in the future for this condition. Simply have your pet treated for the condition, then you must demonstrate to Embrace that your puppy has remained symptom-free for at least 12 months. After this, this condition will no longer be considered pre-existing. In addition to this, Embrace offers a unique and exclusive Healthy Pet Deductible which reduces your annual deductible by $50 for each year that you don’t submit a claim. 

We also like that Embrace offers multi-pet discounts of 10% and discounts to former military members and pet owners who enroll with Embrace through their workplace. Generally speaking, Embrace offers many benefits and several great plan options. If you’re looking for nose-to-tail coverage, Embrace may be an excellent choice for you. 

Pros and Cons 


  • Fully comprehensive coverage that is “nose to tail”
  • 24/7 pet health support line
  • Coverage for curable pre-existing conditions that remain symptom-free
  • Coverage for dental illnesses and orthopedic conditions
  • Unique Healthy Pet Deductible lowers your annual deductible each year your pet has no claims


  • Pricier than other pet insurance providers
  • Set annual coverage limits

Plans and Coverage 

Embrace offers comprehensive accident and illness coverage, covering treatments, exam and consultation fees, behavioral therapy, surgery, hospitalization, and chronic care for ongoing illnesses. We also like that it covers prosthetic limbs, devices, and mobility aids, which is not as common among providers. On average, you can expect to pay between $30 and $40 per month for your dog. Embrace’s plans offer up to $30,000 in annual reimbursement, and there is no lifetime limit. You can even choose plans with up to a 90% reimbursement percentage for your dog’s claims if you are concerned about expensive treatments and illnesses in the future. 

Embrace offers three tiers for its wellness coverage plans. Each level provides you with a yearly allowance: 

  • $18.75/month = $250 allowance per policy year
  • $35.42/month = $450 allowance per policy year
  • $52.09/month = $650 allowance per policy year

Currently, its wellness plans offer coverage for the following: 

  • Wellness exam fees
  • Vaccinations & titers
  • Flea, tick, & heartworm preventatives
  • Spay/neuter surgery
  • Fecal & routine blood tests
  • Microchipping
  • Nutritional supplements
  • Grooming
  • Medicated shampoos
  • Toenail trimming
  • Routine anal gland expression
  • Wearable pet activity monitors
  • Cremation or burial
  • Gastropexy
  • Preventative teeth cleaning
  • Prescription diet food
  • Training
  • Routine chiropractic care
  • Reiki, massage therapy, acupuncture
  • Hip dysplasia exams, radiographs, or other OFA testing

As a whole, we like that Embrace offers extensive coverage and includes many treatments for many things, such as behavioral therapy, treatment for congenital conditions, prescription medications, prosthetic limbs, and more. If you’re looking for thorough coverage, Embrace may be a great choice for you. On the other hand, Embrace can be more expensive than other providers and has an annual cap of $30,000. In contrast, some providers offer unlimited coverage options, so keep this in mind when choosing between providers. 

Healthy Paws Pet Insurance

Healthy Paws pet insurance is a charitable pet insurance company that has donated to over 300 nonprofit companies. As of April 2020, it has given back over a million dollars to nonprofit pet groups. With each pet insurance quote generated, it continues to give back, which is a fantastic feature and mission that many pet owners may enjoy supporting. 

Regarding its insurance, we love that Healthy Paws is a more affordable pet insurance provider and offers unlimited maximum payouts so that pet parents never have to worry about running out of coverage. It also uses a mobile app for claim submission and tracking, which allows Healthy Paws to reimburse you faster than most insurance providers. Healthy Paws even claims to refund you as quickly as 24 hours once your claim has been processed. Healthy Paws is underwritten by the Chubb Group, an A+ rated insurer that financially backs Healthy Paws. The Chubb Group currently has over $25 billion in surplus, which is reassuring for pet owners who choose Healthy Paws. 

Pros and Cons 


  • User-friendly mobile app
  • Has donated to over 300 nonprofit organizations 
  • Underwritten by the Chubb Group, an A+ rated insurer
  • More affordable pricing than the competition
  • Unlimited maximum payouts


  • No available discounts
  • Does not offer a wellness plan
  • One time new customer fee of $25

Plans and Coverage 

Healthy Paws offers one simple plan to pet owners, which keeps things simple when it comes to choosing a plan. Healthy Paws’ one plan offers coverage for both accidents and illnesses, so it will cover things such as cancer, diagnostic treatment, hospitalizations, hereditary conditions, X-rays, emergency care, and alternative therapies. Healthy Paws’ plan has a 15-day waiting period for both accidents and illnesses, with a 12-month waiting period for illnesses related to hip dysplasia. Dog insurance through Healthy Paws starts at $20 a month but will typically average around $39 per month. 

Please remember that you cannot sign your dog up for your insurance with Healthy Paws after its 14th birthday, and Healthy Paws’ reimbursement and deductible options will change as your puppy ages. 

Customizable coverage options: 

  • Dogs 5 years and under:
    • 90, 80, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs 6 and 7 years old:
    • 80, 70, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50 or 60% reimbursement
    • $750 or $1,000 deductible

A significant con with Healthy Paws pet insurance for puppy parents is that it doesn’t offer preventative care or wellness plan options. This means that you cannot be covered for any type of routine care, such as vaccinations, wellness exams, heartworm tests, and more. Going with Healthy Paws for your puppy can be a significant disadvantage because routine procedures can quickly add up. For example, the average cost of general blood work can be as high as $200, and a quick consultation can be up to $150. Since puppies need to be taken in more than adult dogs for checkups and are still getting frequent vaccinations, this is something to consider before choosing Healthy Paws.

Prudent Pet Insurance

Prudent Pet insurance has several unique features that make it an excellent choice for your puppy insurance needs. For starters, it offers an ultimate plan with unlimited annual coverage, meaning that you will never need to worry about being cut off from being reimbursed for eligible claims for your puppy. Prudent Pet also offers fast claims processing due to its claim submission process, which uses artificial intelligence. You can also choose to be reimbursed through check or direct deposit to best suit your needs. 

Prudent Pet also has fantastic customer satisfaction ratings and an A+ rating from the Better Business Bureau. On top of this, Trustpilot has Prudent ranked as its number one pet insurance provider. 

One reason we especially like Prudent Pet for puppy insurance is that it offers an accident-only pet insurance plan that will cover veterinary expenses related to accidents your puppy may get into. Puppies are notorious for eating strange things, playing too rough, and getting into mischief, so this more affordable plan can give pet owners peace of mind that their puppy is protected should they need emergency care for an accident. 

Pros and Cons 


  • 24/7 telehealth line allows you to talk to veterinarians directly
  • Offers a more affordable accident-only puppy plan
  • Ultimate plan has unlimited annual coverage
  • Has wellness plan options
  • 30-day money back guarantee 


  • No mobile app
  • Six-month waiting period for ligament or knee issues
  • Plans have set annual coverage caps

Plans and Coverage 

Prudent offers three primary types of pet insurance. Its accident-only plan will reimburse you for the costs of diagnosis, treatment, hospitalization, medication, and more when these costs are related to an accident your puppy had. Accidents could include your puppy swallowing a foreign object, eating something toxic, breaking a bone, or being bitten by a dog or snake. 

Prudent Pet really shines with its ultimate plan, which provides pet owners with unlimited annual coverage for their puppy. This plan is an excellent investment for pet owners looking to cover their pets from nose to tail for accidents and illnesses. The ultimate plan also covers extras like boarding costs, vacation cancellation fees, and mortality costs. 

If the ultimate plan is outside of your budget for puppy insurance, consider Prudent’s essential plan, which will cover your puppy for accidents and illnesses. This includes diseases like cancer, infections, diabetes, stomachaches, and more. Both Prudent’s essential plan and accident-only plan have annual caps of $10,000. None of these plans will cover pre-existing conditions, as is true with all pet insurance providers. 

On top of these plans, Prudent Pet offers a detailed wellness plan covering your puppy for routine veterinary care costs, such as wellness exams and vaccinations. Depending on the coverage you choose, your puppy wellness plan will cost anywhere between $11.95, $19.95, and $29.95 per month. 

Prudent’s wellness plans cover the following (depending on the tier you choose): 

  • Wellness exams (up to two per policy)
  • Rabies vaccine
  • DHLPP vaccine
  • Bordetella or Lyme Disease vaccine
  • Heartworm test or FELV screen
  • Fecal exam
  • Wellness blood screen
  • Health certificate
  • Microchip
  • Deworming
  • Dental cleaning or spay/neuter

As a whole, we like that Prudent offers a plan with unlimited annual coverage and plans with a wide variety of costs, so that pet parents can pick a plan that fits within their budget. However, we don’t love that its plans all have set coverage limits.

What is Puppy Insurance? 

Puppy insurance is pet insurance that allows you to provide your puppy with the best veterinary care in the case of a medical emergency or if it develops a chronic condition or illness. Many pet parents underestimate how much vet bills can cost, and some sources even say that the average cost of unexpected veterinary care for dogs is typically between $800 to $1,500. This can leave many pet owners in a pinch if their puppy needs unexpected care, which is why pet insurance is so crucial for all pet owners — even ones with young, healthy puppies. 

Dog insurance gives you peace of mind that you’ll never have to turn down necessary veterinary care for your dog due to cost or put yourself into debt paying for the treatment. The earlier you sign your puppy up for insurance, the sooner you can rest easy knowing that it is covered. You’ll also avoid your puppy developing more pre-existing conditions that will be excluded from coverage, regardless of the provider you choose. Sign your puppy up while it’s young and healthy because you never know when your puppy could become ill or have an accident. 

How To Find the Best Puppy Insurance for You 

Pet owners should start by considering what kind of puppy insurance they want for their puppy. There are three primary types of coverage available in the pet insurance industry: 

  • Accident-only coverage: Accident-only plans cover accidents your puppy may get into, such as broken bones, swallowing foreign objects, or eating something toxic. This plan will reimburse you for the costs of diagnosing and treating accidents but will not cover the cost of treatments for illnesses your puppy may develop. 
  • Accident and illness coverage: Accident and illness coverage will cover everything that accident-only coverage covers and includes coverage for diagnosis and treatments for illnesses or conditions your puppy may develop. This could include treatment for diabetes, hypothyroidism, cancer, infections, and more. Please keep in mind this type of plan will never cover pre-existing conditions or illnesses your puppy has, which is why enrolling your pet while they are young is essential. 
  • Wellness or preventative care coverage: A preventive care plan or wellness plan helps with the costs of routine veterinary care, such as wellness visits, regular blood work or urinalysis, and dental care cleanings. Some plans will even cover the costs of microchipping and spaying/neutering your puppy. Wellness plans are usually an add-on to your accident or accident and illness plan through your pet insurance provider. 

After considering the type of coverage you want, think about what is most important to you when it comes to your pet health insurance provider: 

  • Discounts: Some pet insurance providers offer multi-pet discounts, which can be a tremendous advantage for pet owners with several pets. Other pet insurance providers may let you bundle your pet insurance with other insurance (such as renters or homeowners insurance). Some also offer discounts through an employer or for people who have served in the military. 
  • Communication methods: Before choosing a provider, consider your preferred communication method. Some companies only offer online communication, while others have phone lines that allow you to speak with someone directly. Many pet insurance providers also have mobile apps that enable you to quickly and easily submit and track your claims, which many pet owners prefer over online member centers. 
  • Customization: Most pet insurance providers offer a few customization options for the annual limit, reimbursement level, and deductible. This allows you to pick and choose exactly how much pet insurance coverage you want and helps you to have some control over your monthly cost. 
  • Maximum limits: Some pet insurance providers have maximum limits for the year or a pet’s lifetime, which means they will stop reimbursing you after a certain point. For example, your maximum annual limit could be $30,000, which means that after you’ve been reimbursed for $30,000 in one year, your pet insurance will stop reimbursing you for that year. If you are worried about large medical emergencies or your pet developing a chronic illness, an unlimited maximum limit may be a great choice for you and your puppy. 
  • Reimbursement time: Certain pet insurance providers have longer wait times for reimbursement. If being reimbursed quickly is important to you, look for companies with faster processing times, especially companies with mobile apps that typically process claims faster. 

Final Thoughts 

We hope this article has given you ideas for how to pick out the best puppy insurance for you and your puppy. Puppy insurance is a highly personal choice that can be customized to your puppy’s needs. Take your time looking through different pet insurance providers, and their customization offers to figure out which option is worth it to you. The amount of coverage you choose for your puppy can save you from financial hardship down the road and ensure that you can always provide your puppy with the best veterinary care, regardless of the expense. 

We recommend gathering multiple quotes from several pet insurance providers to get an idea of the cost of similar plans for your puppy. We also recommend looking into wellness plans for your puppy because routine care, especially for puppies and young dogs, can be costly. Once you’ve enrolled your puppy, you can put your mind at peace knowing that your puppy is covered and your finances are protected.

Frequently Asked Questions About Puppy Insurance 

Is it worth insuring a puppy? 

Yes. The sooner you insure your puppy, the better because you never know when an accident or illness could strike. Currently, no pet insurance providers offer coverage for pre-existing conditions, so the younger you insure your puppy, the less likely it will be to have pre-existing conditions or many pre-existing conditions. Puppies are also especially mischievous and may be more prone to having accidents than older pets as they are curious and exploring the world, so the extra coverage is good to have in place. 

When should I start puppy insurance? 

We recommend starting puppy insurance as soon as possible. Not only is puppy insurance typically less expensive than insurance for older dogs, but you never know when your puppy could have an accident or get sick. As pet owners, we don’t like to think about our puppy getting a serious illness, but even young dogs can become ill. Don’t hesitate to enroll your puppy now so that you’re both protected whenever it has an accident or gets sick. 

What are the benefits of puppy insurance? 

The benefits of puppy insurance vary based on the plan you choose. You can select benefits that will cover your puppy for accidents, accidents and illnesses, and routine veterinary care. We also recommend looking closely at your pet insurance provider’s benefit breakdown as certain providers won’t include coverage for alternative therapies, dental illnesses, behavioral issues, and more. Closely examine the benefits of any plan before you enroll your puppy in a plan. The biggest advantage of any puppy insurance plan is always the peace of mind and knowledge that your puppy has a safety net in place if it has an accident or gets sick. 

What are the most common health problems for puppies? 

Puppies are prone to many health problems. Puppies’ most common health problems are typically kennel cough, vomiting, diarrhea, parvovirus, and distemper. Many of these can be prevented with routine vaccinations and checkups to make sure your puppy is happy and healthy. Puppies are also accident-prone because they are curious and ready to explore the world. This can lead to broken bones, animal bites, bee stings, ingesting toxins, and swallowing foreign objects. All of these will cause serious problems if not treated immediately, which is why pet insurance is valuable for all dogs — even young and healthy puppies. 

How do pet insurance providers know about pre-existing conditions?

Some pet insurance providers require a veterinary exam or medical records before enrollment, which will give your provider a history of pre-existing conditions your dog may have. Certain pet insurance providers, like ASPCA, do not require a veterinary exam before enrollment. 

However, no pet insurance provider will cover pre-existing conditions. For example, if your dog has an ear infection in July, but you enroll in August, your dog’s ear infection will not be covered. However, some pet insurance providers will cover curable pre-existing conditions if they are treated and stay symptom-free for a certain period. 

Will my monthly premium go up over time?

Most likely. Most pet insurance companies will raise your monthly premium over time to account for inflation, your dog’s increasing age, and veterinary advances. Veterinary medicine continues to advance, leading to greater costs for pet parents when it comes to vital treatments and diagnostic tests for their pets. To compensate for this, pet insurance companies will raise their monthly premiums so that they can continue reimbursing you for these pricier treatments for your pet. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.