Pet insurance for dogs
Dogs range from toy breeds to giants, and insurers price them accordingly. Compare plans using your dog’s breed, age and ZIP code.
What dog owners should compare
- Breed and size: some breeds have commonly discussed hereditary conditions, so read the hereditary and congenital wording.
- Age at enrollment: younger dogs generally have fewer pre-existing exclusions and lower premiums.
- Orthopedic waiting periods: joint conditions are a common concern for many dogs.
- Annual limit and reimbursement: large bills, such as emergency surgery, are where these matter most.
Popular dog breeds
Frequently asked questions
How much does pet insurance cost?
Price depends on your pet’s species, breed, age, and location, and on the plan you choose: deductible, reimbursement percentage, and annual limit. Younger pets usually cost less to insure than older pets. The only way to know your price is to compare estimates for your pet, then confirm the final quote with the insurer.
Can I insure an older dog?
Often yes, but options vary. Some insurers set a maximum enrollment age, and premiums are typically higher for older dogs. Any condition your dog already has is unlikely to be covered, which is why many owners enroll earlier if they can.
What does pet insurance cover?
Accident-only plans generally cover injuries such as broken bones or swallowed objects. Accident-and-illness plans add covered illnesses such as infections, allergies or cancer. Optional wellness add-ons can reimburse routine care such as vaccines and checkups. Coverage for dental, prescriptions, exam fees and alternative therapies varies by plan.
Does pet insurance cover pre-existing conditions?
Generally no. A pre-existing condition is one your pet showed signs of, or was diagnosed with, before coverage began or during a waiting period. Some insurers treat certain curable conditions differently after a symptom-free period. Read the policy definition carefully before you enroll.
Keep reading
Compare plans for your pet in about 2 minutes
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