What Is the Best Pet Insurance for Dogs? - PetHelpful - By fellow animal lovers and experts
Updated date:

What Is the Best Pet Insurance for Dogs?

Angela is a cat and dog lover who has made special efforts to learn as much as she can about the animals she cares for.

Keep your best friend healthy through pet insurance.

Keep your best friend healthy through pet insurance.

Compare Pet Insurance for Dogs

When choosing the best pet health insurance for your dog, it is essential to make sure that you are getting the best service for your money. Cheapest isn't always best. Different types of pet insurance vary on what they cover, how much they cost, as well as how much they will cover if your best friend gets sick. Many companies have deals if you insure additional pets, including obtaining insurance for your cat, as cats have different needs than dogs.

Cost of Pet Insurance Comparison Chart

Insurance CompanyCost Per MonthPhone Number

Pet Plan: the Pet People

$14-$23

1-866-467-3875

Pets Best

$10-$37

1-888- 899-0402

Embrace

$17-$37

1-800-511-9172

Pet Assure

$9.95 or $99 per year, they also have a family plan option

1-888-789-7387

Don't let your best friend go without insurance.

Don't let your best friend go without insurance.

Dog Insurance Plans

Pet Plan (The Pet People)

  • They offer three different levels of pet insurance: Bronze, Silver, and Gold.
  • Bronze health insurance is the most popular and the cheapest.
  • This pet insurance covers typical veterinary services, dental care, as well as hospitalization for illnesses and accidents.
  • Unlike many other plans, Pet Plan also covers prescriptions, non-routine dental care, and even alternative treatments like acupuncture.
  • The cost for Pet Plan depends on what deductible and co-pay you choose. The deductible is per accident, not an annual deductible.

Pets Best

  • They offer to pay up to 80% of any pet bills after you pay your deductible.
  • You also can choose any licensed veterinary, so you are not limited to who you can choose as your dog's doctor.
  • Pets Best get their claims back to you quickly, and they can even be direct deposited if you choose.
  • They also have a Best Wellness coverage program that has no deductible for routine care.
  • All of their programs cover the same services; it is just the amount of annual and lifetime deductible that changes.
  • This lifetime deductible is excellent because you are guaranteed never to spend more than that throughout your dog's lifetime!
  • They cover everything between visits to acupuncture.

Embrace

  • Embrace Pet Insurance is an excellent place for people who cannot find pet insurance. That is what they want because Embrace allows you to customize your pet insurance precisely to your needs.
  • You can choose the annual deductible, the co-pay, and what you want to be covered.
  • Their plans do cover genetic disorders, although they will not cover a dog with a preexisting condition or an older dog.
  • Embrace also pays the percentage of your bill without any payment plans.
  • There is no limit for deductible per incident.

Pet Assure

  • Pet Assure is more of a discount program than pet insurance.
  • They pay for 25% of all services, although you must use a participating vet.
  • Pet Assure also has merchant networks where you can get 50% off certain products and services.
  • Another great benefit of having Pet Assure is that they have a 24/7 Lost Pet Recovery Program!
  • If you are not sure you want to commit Pet Assure, you can try the program risk-free for 45 days.

Low-Cost Pet Insurance

When choosing low-cost pet insurance, keep in mind how much money you are paying, as well as how much the deductible is. There are two different types of deductibles: per-incident and annual. Per incident means the deductible will only cover for that incident. A yearly deductible works much like health insurance for people.

Per incident would be beneficial if an accident were to occur in December; therefore, you would not have to pay the deductible twice if treatment went into January or in a case like cancer where the treatment may last up to three years. On the other hand, if your dog gets hit by a car in January, then he is diagnosed with cancer in June; these would have two separate deductibles with the per incident.

Another consideration when looking at the cost of pet insurance, you need to see what the co-pay is. Just because pet insurance is a low cost per month, does not mean it is the most economical cost in your case.

Get Pet Insurance While Your Dog Is Young

Some Pet Insurance Does Not Cover Older Dogs or Dogs with Pre-Existing Conditions

Some Pet Insurance Does Not Cover Older Dogs or Dogs with Pre-Existing Conditions

Pet Health Insurance Review: The Pros and Cons

Pet Plan (The Pet People)

  • According to Consumer Search, out of one hundred surveyed, Pet Plan got the highest rating possible. They are known for paying claims very quickly and covering hereditary and congenital conditions. Another benefit to Pet Plan is you have the option to pay a deductible or a co-pay. Unfortunately, they will not allow you to insure your older dog unless he has had insurance his whole life.

Pets Best

  • Pets Best is given a rating of 8.3 on petinsurancereview.com out of 10. Over 500 people rated them. The significant part about Pets Best is they do not have any age restrictions on what dogs they will cover! Your older dog and a dog with preexisting conditions will be covered. They reimburse 80%, which means only 20% is out of pocket!

Embrace

  • Embrace is highly recommended due to your capability to customize your plan for your dog's needs. You can choose what you want to be covered, as well as what you want the deductible and co-pays to be. Embrace offers $200 towards your dog's vet visits, and other health needs your dog may have throughout the year. This pet insurance excludes dogs with preexisting conditions, as well as older dogs.

Pet Assure

  • Pet Assure is in the top three on Consumer Search websites for Best Pet Insurance Top Picks. Those who rated this insurance through Consumer Search rated it a 7 out of 10. Pet Assure has low payments, which is why it is so well-liked. Although by paying less, there are limits to what is covered. Pet Assure is more of a pet discount program. It does include all dogs, whether they are older or have a preexisting condition. Unfortunately, they only pay 25% of all pet visits. There is no deductible or limits. The biggest downside is that you must use a vet that is pre-approved by Pet Assure before they will cover your cost.

Pet Plan Top-Rated Pet Insurance (Commercial)

This article is accurate and true to the best of the author’s knowledge. It is not meant to substitute for diagnosis, prognosis, treatment, prescription, or formal and individualized advice from a veterinary medical professional. Animals exhibiting signs and symptoms of distress should be seen by a veterinarian immediately.

© 2012 Angela Michelle Schultz

Comments

Angela Michelle Schultz (author) from United States on June 08, 2012:

Thank you so much alocsin!

Aurelio Locsin from Orange County, CA on June 08, 2012:

Something for people with pets to think about. Voting this Up and Useful.

Angela Michelle Schultz (author) from United States on June 03, 2012:

Your welcome!

Angela Brummer from Lincoln, Nebraska on June 03, 2012:

I had really never considered this I had however, hear of it. Think you for such an informative and useful article.

Angela Michelle Schultz (author) from United States on May 31, 2012:

I'm so glad I could be of assistance.

Michael Kromwyk from Adelaide, South Australia on May 31, 2012:

I just notice in Australia that the Charity brands have just started promotion pet insurance. the RSPCA and the Guide Dogs both have a white labelled product underwriting by an international brand. It appears that this type of product is becoming more popular again. Cheers Michael

Mary Craig from New York on May 31, 2012:

How did you know i was trying to pick a pet insurance? I keep narrowing it down but them I'm never sure which one. Thanks to your comprehensive research and good information I think I'll go with PetsBest! Voted up, useful and interesting!!! I clicked on your link so hope it helps your hub score.

Angela Michelle Schultz (author) from United States on May 31, 2012:

They also give discounts if you have more than one pet, most call it a family plan. :)

Susan Zutautas from Ontario, Canada on May 31, 2012:

I never realized how inexpensive pet insurance was. With two dogs I really should look into this.

Angela Michelle Schultz (author) from United States on May 25, 2012:

Thank you so much. I'm glad it was helpful to you.

Dianna Mendez on May 25, 2012:

This is an interesting subject about a very little known topic. I will have to consider this when I get my next pet. Overall, the cost seems reasonable for the coverage. Voted interesting and useful.

Angela Michelle Schultz (author) from United States on May 24, 2012:

Thank you so much the raggededge.

Angela Michelle Schultz (author) from United States on May 24, 2012:

Laura, I absolutely love that top photo as well.

Bev G from Wales, UK on May 24, 2012:

Beautifully laid out and easy to read.

LauraGSpeaks from Raleigh, NC on May 23, 2012:

Lots of useful information and endearing photos! Nice job.

Angela Michelle Schultz (author) from United States on May 23, 2012:

Thank you so much! I really appreciate your compliment.

Marlene Bertrand from USA on May 23, 2012:

You did so much research. I like the way you presented the information you found. It is most helpful. And, you are right - cheapest isn't always the best when it comes to our little pals.

Angela Michelle Schultz (author) from United States on May 23, 2012:

Thank you so much Simone Smith. I fell in love with the photos at the top. I was so glad they were public domain!

Angela Michelle Schultz (author) from United States on May 23, 2012:

Thank you Dainy, Kaili, and The PracticalMommy. I appreciate the great compliments!

Simone Haruko Smith from San Francisco on May 23, 2012:

What a useful and comprehensive guide! I'm impressed by the number of choices you've given. The table you've included with monthly cost ranges and phone numbers is fabulous. Also... I'm quite a fan of the cute puppy photos :D

Marissa from United States on May 23, 2012:

This is an incredibly useful hub! I had no idea that such pet insurance plans existed.

Voted up and useful, and sharing!

Kaili Bisson from Canada on May 23, 2012:

Excellent Hub. Great research. Voted up.

dainy665dane from Land Of Promise on May 23, 2012:

Useful post! :D

Thanks for sharing