Best Dog Insurance
Does your pup need protection against life’s unexpected little accidents?
If so, you may want to consider shopping around for a reliable and comprehensive dog insurance plan.
Not only does a dog insurance plan provide financial protection in case of unexpected medical expenses, but it also gives peace of mind knowing that your furry companion is covered.
However, it is important to make sure that the company you choose is reputable and has a good track record of handling claims.
To help make finding suitable coverage easier, I have compiled a list of the finest dog insurance companies 2023 has to offer.
With these respected names at your disposal, you can search with confidence that you won’t be stuck with poor coverage or dissatisfying customer service – ensuring peace of mind and quality care as soon as possible!
What Is Dog Insurance?
Dog insurance is a tool designed to protect you, the pet parent, from financial burden in the event of canine-related medical issues.
With the right plan, you could save money for expenses such as physical examinations, preventive care treatments, vaccinations, surgeries and hospitalizations that can come with owning a pet.
On top of these benefits, many dog insurers offer extra features like dental coverage and 24/7 access to veterinary advice centers.
Dog insurance helps take away one worry from loving pet parents by allowing them to get the best possible medical care for their four-legged family members.
Depending on the provider and the type of policy selected, dog insurance policies can have a range of coverage and cost.
While some policies may have deductibles or copays, others may have annual or lifetime limits.
To get the best policy for you and your pet, it’s crucial to examine coverage options from various insurance companies.
The Best Dog Insurance Companies 2023
Pets, no matter their species or size, have become a big part of millions of households all around the world.
For many pet owners, investing in proper and reliable healthcare for their furry companion is not only desired – it’s also necessary.
That is why getting your pup insured with one of the best dog insurance companies in 2023 should be at the top of your to-do list this year!
Whether you are considering acquiring an insurance plan tailored specifically to meet your pet’s needs or want to find out more about what coverage is available and which options may fit into your budget; this blog post can help guide you through it all!
So come on down and discover how easy finding affordable canine care can be – starting today!
The best 5 puppy protections companies are:
1.Trupanion
2.PetPlan
3.Figo Pet Insurance
4.Embrace Pet Insurance
5.ASPCA Pet Health Insurance
Let’s look at what makes each of these dog insurance companies unique.
1.Trupanion
Trupanion has been setting the standard for pet insurance since 1998, and it’s easy to see why.
They provide comprehensive coverage that pays 90% of your pet’s bills after you have met your deductible.
From illnesses, injuries, and hereditary conditions, to medicines, diagnostics tests, and surgeries, Trupanion always has you covered with no limits on their reimbursable amounts.
What makes them stand out is their range of breed-specific conditions they can assist with — a major benefit if you have a rare or exotic pup!
Pros
- 90% coverage of veterinary costs
- No caps on payouts
- No payout limits per incident or per year
- No waiting periods for coverage of hereditary conditions
- Coverage for chronic conditions
- Coverage for diagnostic tests, surgeries and hospital stays
Cons
- Does not cover routine care like annual check-ups or vaccinations
- Does not cover pre-existing conditions
- Does not offer discounts or multi-pet deals
Price
Trupanion’s monthly cost for dogs is $70.12, though it may vary depending upon your dog breed, gender, and age.
2.PetPlan
PetPlan is a pet insurance company that provides coverage for unexpected veterinary costs.
Their services include coverage for accidents, illnesses, and hereditary conditions.
The company offers several different plan options, including a comprehensive plan that covers all eligible costs, and a basic plan that covers only accidents and illnesses.
Pros
- Includes diagnostic tests, surgeries and hospital stays
- No limits on payouts
- Coverage for emergency and specialist care
- 90% of claims paid in 5 working days
Cons
- Premium cost may be higher than competitors
- Does not cover pre-existing conditions
Price
The cost may be variable, depending upon your dog’s age, pre-existing conditions, and gender.
3. Figo Pet Insurance
In 2023, Figo has positioned itself as the top dog when it comes to providing comprehensive pet insurance — from coverage for curable pre-existing conditions that require no signs or symptoms of an ailment within a year of treatment to lightning-fast claims processing with resolutions achieved in an average time of 2.6 working days.
Plus, with their Extra Care Pack services you can be covered for cremation/ burial, lost pet advertising/award expenses, and even pet theft or loss!
And when emergencies arise – ’cause let’s face it; that’s a given — Figo has your back with their Live Vet service providing 24/7 access to licensed veterinary professionals.
With Figo’s comprehensive suite of services and the peaceful assurance knowing you have top-tier coverage for your fur baby, Figo is undoubtedly at the top of the pack when it comes to pet insurance in 2023.
Pros
- Claims covered in 2.6 days on average
- 24/7 access to a live vet
- Coverage for consultation fees and exams
Cons
- Orthopaedic problems have a 6 month waiting period
- Extra add-on cost for vet exam fee coverage
- Does not covers cosmetic surgery
Price
Monthly cost may range from $9.50 for the Basic plan to $16.50 for the Plus plan.
4. Embrace Pet Insurance
Embrace is a leader in the pet insurance industry, providing comprehensive coverage and exclusive discounts for diverse breed-specific health issues.
Their policyholders enjoy quick and easy access to high quality veterinary treatment, with coverage for diagnostic tests, procedures, hospitalization and more.
The company offers competitive rates, extensive coverage, and proactive preventative care options to help keep your pup safe from unforeseen risks.
Tailored care, based on breed-specific needs is a key focus at Embrace —- with bolstered injury protection that covers prosthetics, devices and mobility aids.
This gives pets the best chance at healing with minimal stress or hardship on their families.
Pros
- Covers breed specific and genetic conditions
- Includes coverage for dental illnesses
- Covers cancer treatments and all related tests
Cons
- Six month waiting period for orthopaedic conditions
- Does not provides coverage for pre-existing conditions
Price
Average dog insurance cost ranges from $30-$40 per month.
5. Spot
In 2023, Spot insurance has made a multi-faceted mark on the industry.
Not only does Spot have preventive care coverage that gives pet owners peace of mind —- from flea and tick treatments to preventative surgery — but owners can customize their annual limits, deductibles and reimbursement rates as needed.
Spot also offers coverage for hereditary conditions like heart disease, eye disorders and hip dysplasia.
What really sets Spot apart is their holistic approach to health, which includes alternative therapies such as acupuncture, physiotherapy, chiropractic care and rehabilitative therapy to cover the entire spectrum of pup health needs.
Low-level laser therapy is another option within these scope of services.
Pros
- Provides coverage for compulsive and behavioral issues
- Covers physiotherapy and chiropractic care
- Hereditary conditions are covered
Cons
- 14 day waiting period for accident coverage
Price
Spot dog insurance ranges from around $15-$30.
Tips On Finding The Top Dog Insurance
- Look for a policy that covers unexpected illnesses and injuries.
- Compare the coverage and costs of multiple insurance providers.
- Check if the policy has any exclusions or limits on coverage.
- Read customer reviews to get an idea of the company’s reputation and customer service.
- Consider additional options such as coverage for routine care and alternative therapies.
- Make sure the policy you choose allows you to choose your own veterinarian.
- Verify that the company is financially stable.
- Check the waiting period of the insurance policy before you buy it.
Wrapping Up
With all that in mind, I have put together a list of what I believe to be the finest dog insurance companies of 2023.
Of the companies I reviewed, Trupanion is the clear winner when it comes to dog insurance.
They have everything you could want in a dog insurance policy, and their customer service is outstanding.
I hope you enjoyed reading and that my insights were helpful in making your decision.
If not, remember there are plenty of other options out there – do some digging and see which one suits you and your pup best!
Frequently Asked Questions
Dog insurance policies typically offer coverage for unexpected illnesses, injuries, and accidents. Some policies may also offer coverage for routine care, such as vaccinations and check-ups, and alternative therapies.
Accident-only coverage provides coverage for accidental injuries, such as broken bones or cuts, while comprehensive coverage includes coverage for accidental injuries as well as illnesses.
Some insurance policies will not cover pre-existing conditions, while others may cover them with certain limitations. It is important to check the policy’s exclusions and limitations before purchasing.
