Best Dog Insurance Plans (2025) – Top 5 Global Providers Compared
🩺 Average Vet Bill: $800–$1,500 per emergency visit
💡 Coverage: Up to 90% reimbursement on eligible bills
Top 5 Dog Insurance Companies (2025)
Provider | Key Benefits | Annual Price (avg) | Quote |
---|---|---|---|
Healthy Paws | Unlimited coverage, fast claim payouts | $420/year | Check Quote |
Spot | Custom plans, wellness add-ons | $450/year | Check Quote |
Trupanion | 90% coverage with direct vet payments | $520/year | Check Quote |
Embrace | Covers exam fees, behavioral therapy | $475/year | Check Quote |
Figo | 24/7 virtual vet + customizable plans | $430/year | Check Quote |
What to Look for in a Dog Insurance Plan
✔️ Coverage Type
Choose accident-only, illness, or comprehensive plans based on your pet’s needs.
✔️ Annual Limit
Prefer plans with higher or no annual coverage caps.
✔️ Reimbursement Rate
Most top plans cover 70% to 90% of eligible vet expenses.
✔️ Waiting Period
Shorter waiting periods mean quicker coverage for unexpected illnesses.
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Dog Insurance FAQs
Q: Is dog insurance worth it?
A: Yes. Vet bills can be expensive. Insurance helps you save on emergencies, surgeries, and illnesses.
Q: What does dog insurance typically cover?
A: Accidents, illnesses, surgeries, diagnostics, and some wellness plans cover vaccines and checkups.
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Compare policies from top global pet insurers