Pet owners everywhere are asking, “What is the best pet insurance for dogs?” as vet costs rise year after year and unexpected emergencies become more common. In 2025, choosing the right dog health insurance plan can save you thousands of dollars while giving your furry friend the best medical care possible.
This article breaks down the best pet insurance companies for dogs, compares benefits, and helps you choose the ideal plan based on coverage, price, and peace of mind.
Why You Need Pet Insurance for Dogs in 2025
Vet bills today can be shockingly high:
- Emergency surgery: $2,000 – $6,000
- Cancer treatment: $5,000 – $12,000
- Chronic illness care and diagnostics: hundreds to thousands per year
With these costs, pet insurance for dogs is not just a “nice to have”—it’s a smart financial decision for responsible owners. Pet insurance helps cover unexpected injuries, illnesses, and chronic conditions so you never have to choose between treatment and cost.
What Makes a Pet Insurance Plan Great?
The best dog insurance plans offer:
✅ High annual or unlimited coverage
✅ Flexible deductibles
✅ High reimbursement rates (70–90%)
✅ Coverage for accidents, illnesses, and hereditary conditions
✅ Optional wellness or preventive care add-ons
✅ Easy claims process and direct vet payment options
Next, let’s look at the top pet insurance companies for dogs in 2025 based on expert reviews and user satisfaction.
Top 7 Best Pet Insurance Companies for Dogs (2025)
1. Pets Best – Best Overall Dog Insurance
Why It’s Great
Pets Best consistently ranks at the top for best pet insurance for dogs thanks to its affordable premiums, flexible coverage, and customizable plans. It offers high annual limits or unlimited lifetime coverage, a range of deductible options, and wellness add-ons to help cover vet exam fees and preventive care.
Highlights
- Unlimited annual coverage options
- Deductibles from low to high
- Covers accidents, illnesses, hereditary conditions
- Optional wellness plans available
Best For: Most dog owners seeking balanced cost and coverage.
2. Lemonade Pet Insurance – Best for Affordable Coverage
Lemonade stands out as one of the cheapest pet insurance providers while still offering solid coverage and discounts for multi-pet households or bundling policies. Its app-based process makes enrollment and claims fast and simple.
Highlights
- Competitive premiums
- Multi-pet and annual payment discounts
- Multiple annual coverage limits
- Covers accidents and illnesses
Best For: Budget-conscious dog owners.
3. Spot Pet Insurance – Best Comprehensive Benefits
Spot’s plans are known for extensive coverage, including behavioral therapy, alternative therapies, dental illnesses, vet exam fees, and even end-of-life care. This makes it one of the most complete dog health insurance plans available.
Highlights
- Wide range of covered services
- Behavioral & alternative therapy coverage
- Optional wellness plans
- Extensive annual limits
Best For: Owners who want maximum protection.
4. Figo Pet Insurance – Best for Plan Upgrades
Figo shines with its unique “Powerups” add-ons that go beyond typical coverage, such as reimbursement for advertising and rewards if your dog gets lost. It also includes boarding and liability options uncommon in many pet insurance plans. Forbes
Highlights
- Unique add-on coverage
- 24/7 pet telehealth support
- Flexible annual limits
- Strong base coverage
Best For: Owners looking for extra protections.
5. Chewy (with Trupanion) – Best for Direct Vet Pay
Chewy partners with Trupanion and Lemonade to offer an insurance plan that can pay your vet directly at checkout if they use the provider’s software. This eliminates reimbursement delays for stressful, expensive treatments.
Highlights
- Direct vet payment option
- Unlimited coverage potential
- Strong brand partnerships
Best For: Quick vet payment and convenience.
6. Embrace Pet Insurance – Best for Customizable Plans
Embrace offers customizable coverage with flexible deductibles and reimbursement levels. It also includes options for preventive care and additional wellness benefits, making it easier to tailor a plan to your dog’s needs. Forbes
Highlights
- Customizable coverage
- Wellness add-ons available
- Covers exam fees on higher plans
Best For: Owners with specific coverage needs.
7. Trupanion – Best for Direct Payment & Broad Coverage (based on expert lists)
Trupanion is frequently praised for its direct payment system and extensive coverage of illnesses and injuries, including breed-specific conditions. It’s a premium choice known for minimal reimbursement delays.
Highlights
- Direct vet payments
- Comprehensive coverage
- No payout limits
Best For: Owners who want high-end coverage without reimbursement hassles.
Frequently Asked Questions (FAQs)
Q: How Much Does Pet Insurance for Dogs Cost?
Average monthly premiums for dogs are around $46–$66 per month for comprehensive coverage, depending on deductible and reimbursement levels.
Q: Does Pet Insurance Cover Routine Care?
Some plans include wellness add-ons for vaccinations, dental cleanings, and preventive care, but basic plans usually focus on accidents and illnesses.
Q: Do Older Dogs Pay More?
Yes, older dogs typically cost more to insure because health risks increase with age.
Tips to Choose the Best Dog Insurance
📌 1. Compare Coverage, Not Just Price
A cheaper plan might look good upfront but could exclude essential coverages.
📌 2. Look for High Annual or Unlimited Limits
Unlimited coverage means fewer out-of-pocket costs during emergencies.
📌 3. Consider Direct Vet Pay Options
Direct payment eliminates waiting for reimbursement.
📌 4. Check Discounts
Many insurers offer multi-pet, bundling, or annual payment discounts.
📌 5. Read the Fine Print
Understand waiting periods, exclusions, and pre-existing condition rules before signing up.
Conclusion: Best Pet Insurance for Dogs in 2025
Choosing the best pet insurance for your dog is a major step toward financial peace of mind and ensuring your pet gets the care they deserve. Pets Best, Lemonade, Spot, Figo, Chewy, Embrace, and Trupanion rank among the top providers in 2025, each with unique strengths and coverage options to fit different needs and budgets.
Whether you want the most affordable dog insurance, best for full coverage, or direct vet payment, there’s a plan that fits your situation. Start comparing quotes today to find the perfect protection for your four-legged family member.