Dogs are cherished members of many families, making pet owners more mindful of their healthcare needs. As a result, pet insurance is experiencing a surge in popularity. The North American Pet Health Insurance Association (NAPHIA) reported a growth of over 17% in insured pets during 2023. While dog insurance aims to ease the financial burden of pet illnesses, the increasing costs of veterinary care mean that the cost of insurance is also rising. Therefore, selecting dog insurance involves carefully weighing the desired coverage against the budget.
Here are the 2025 selections for the best dog insurance providers based on a recent review.
Best Dog Insurance Providers of 2025
- Best Overall: Figo Pet Insurance
- Best for Affordability: Lemonade Pet Insurance
- Best for Preexisting Conditions: AKC Pet Insurance
- Best for Wellness: Embrace Pet Insurance
- Best for Chronic Conditions: Trupanion Pet Insurance
- Best Senior Dog Insurance: Spot Pet Insurance
- Best for Customer Service: Prudent Pet Insurance
Figo Pet Insurance: Best Overall
Figo stands out as a premier choice for dog insurance. It offers reasonable coverage coupled with a range of customizable options and is unique in providing 100% reimbursement. While offering an unlimited coverage option, policyholders cannot have both 100% reimbursement and unlimited coverage in the same plan. The insurance is available for dogs aged 8 weeks and older, without an upper age limit, making it suitable for senior dogs.
Figo’s comprehensive plans cover non-routine dental care, alternative treatments, and hereditary conditions. Additional preventative coverages, such as wellness care and vet exam fees, are available.
Additional advantages of Figo pet insurance include a shorter-than-average waiting period of one day for accident coverage, access to a 24-hour pet telehealth line, and the Pet Cloud app for organized management of your dog’s vet records. Dog owners who enroll multiple pets and have a Costco membership can get discounts of 5% and 15%, respectively.
Lemonade Pet Insurance: Best for Affordability
Lemonade is recognized as one of the more affordable dog insurance providers, with policy premiums commencing at $12 per month. Moreover, multiple discounts are available to dog owners, including 10% off when bundling insurance products like renters or auto insurance, 5% off for insuring multiple pets, and 5% off for enrolling in an annual payment plan.
While offering a selection of discounts, Lemonade is also notably customizable. It offers annual limits ranging from $5,000 to $100,000. Users can modify their plans with riders to increase coverage, such as vet visit fees, dental illnesses, and behavioral conditions. This level of customization enables dog owners to tailor a policy with the necessary coverages while removing benefits they don’t require, yielding potential cost savings. Note that Lemonade is only available in 37 states.
AKC Pet Insurance: Best for Preexisting Conditions
The American Kennel Club (AKC) distinguishes itself, mainly because it is the only insurance provider that currently offers coverage for curable and incurable preexisting conditions, following a 12-month waiting period. In contrast, most insurers only cover curable preexisting conditions after your dog has been treated and symptom-free for at least six to 18 months. While this is a great policy for pet owners with older dogs with medical histories, pet owners with healthy dogs may find better policies elsewhere. While AKC’s accident and illness plan isn’t necessarily bad, it can’t compare to the benefits and customizability offered by companies like Lemonade or Figo. Its annual limits max out at $10,000, which may not be enough for serious illnesses.
Embrace Pet Insurance: Best for Wellness
Embrace is noted for its wellness plans, offering three tiers distinguished by annual limits of $250, $450, and $650. Its plans offer benefits not often found in similarly priced wellness plans, such as grooming coverage, nutritional supplements and prescription diet food coverage, and gland expression. Embrace’s wellness plan, however, is only available as an add-on to Embrace’s accident and illness policy, which increases the cost.
Trupanion Pet Insurance: Best for Chronic Conditions
Trupanion is an exceptional pet insurance provider because its deductibles are charged per condition throughout the duration of the policy, as opposed to the yearly deductible that resets each year. Furthermore, all plans include unlimited coverage and a reimbursement rate of 90%. For instance, if a dog develops cancer and the policy includes a $500 deductible, once the deductible is satisfied, the policyholder is only responsible for 10% of the bills until the policy term ends.
Although this structure is advantageous for chronic conditions, costs can escalate if a dog contracts a variety of illnesses. Trupanion is one of the more costly providers, which may deter some owners. However, Trupanion excludes usage of birthday pricing, which is a common practice in which companies raise premiums yearly based on a dog’s age.
Trupanion also offers the unique ability to settle bills directly with veterinary practices, saving policyholders from needing to submit a claim after a vet visit. However, if the veterinary practice is not eligible for direct pay, Trupanion’s traditional claims process can be used. Trupanion has no wellness option and does not cover preexisting conditions.
Spot Pet Insurance: Best for Senior Dogs
Spot pet insurance provides accident and illness coverage without an upper age limit, making them an excellent choice for senior dogs. In addition, it offers a range of comprehensive coverages including hereditary/congenial condition coverage, end-of-life coverage, prescription food, stem cell therapy, and alternative treatments. Spot offers two levels of wellness and will cover curable preexisting conditions after your dog is treated and symptom-free for 180 days; it also has short waiting periods, including a 14-day waiting period for ligament and knee issues.
Prudent Pet Insurance: Best for Customer Service
While Prudent Pet Insurance’s policies may not be outstanding in terms of features, the company’s customer service is its key strength. It is rated the highest for customer service with a 4.8 average score on Trustpilot among all pet insurance companies. Customers have reported that even claims that were denied still resulted in representatives offering alternative options for customers.
