Best Dog Insurance Companies And How to Claim Dog Insurance

Owning a dog is one of life’s great joys. Dogs bring us unconditional love, companionship, and loyalty. But with the joy of owning a dog comes the responsibility of caring for them, and sometimes that can mean costly vet bills. This is where dog insurance comes in handy.

By having a good dog insurance policy, you can ensure that your furry friend gets the care they need without breaking the bank. In this article, we will explore the best dog insurance companies and how to claim dog insurance. Dog insurance is a type of insurance policy that provides coverage for unexpected medical expenses related to your dog’s health. Here’s how it works:

Choose a Policy

When you sign up for dog insurance, you’ll choose a policy that best suits your needs. Policies typically vary in terms of coverage, deductibles, and monthly premiums.

Pay Your Premiums

Once you’ve chosen a policy, you’ll need to pay a monthly premium to keep your coverage active. The cost of your premium will depend on the level of coverage you’ve selected.

Receive Veterinary Care

If your dog becomes sick or injured, you’ll take them to the vet for treatment. Depending on your policy, your insurance may cover some or all of the costs associated with the visit.

Submit a Claim

After your dog receives treatment, you’ll submit a claim to your insurance company. This usually involves providing documentation of the visit, such as an itemized invoice from your vet.

Receive Reimbursement

If your claim is approved, your insurance company will reimburse you for some or all of the costs associated with the visit. The amount of reimbursement you receive will depend on the terms of your policy.

It’s important to note that dog insurance typically does not cover pre-existing conditions, so it’s best to sign up for insurance as early as possible to ensure coverage for any potential health issues your dog may encounter in the future. Additionally, some policies may have limits or exclusions for certain conditions or treatments, so it’s important to read the terms of your policy carefully to understand what is and isn’t covered.

Best Dog Insurance Companies

When it comes to choosing the best dog insurance company, there are a few factors to consider. These include the level of coverage, the cost of premiums, and the company’s reputation for customer service. Here are some of the best dog insurance companies to consider:

Healthy Paws

Healthy Paws is a popular choice for pet owners because of its comprehensive coverage and excellent customer service. Their policies cover accidents, illnesses, hereditary and congenital conditions, as well as emergency care. Healthy Paws also offers unlimited lifetime benefits, which means that there are no caps on how much they will pay out for a claim. The cost of premiums is competitive and the company has a reputation for quick and easy claims processing.


Embrace is another top-rated dog insurance company, known for its customizable policies and excellent customer service. Their policies cover accidents, illnesses, and wellness care. Embrace offers a unique feature called the Healthy Pet Deductible, which decreases your deductible by $50 each year that you don’t make a claim. This is a great incentive to keep your pet healthy and avoid making unnecessary claims. Embrace also offers a 24/7 pet helpline for advice on your pet’s health.


Figo is a newer dog insurance company that has quickly gained a reputation for excellent coverage and customer service. Their policies cover accidents, illnesses, hereditary and congenital conditions, as well as emergency care. Figo also offers a feature called the Figo Pet Cloud, which allows you to access your pet’s medical records, track their appointments, and even set reminders for medication.


Petplan is a well-established dog insurance company that has been around for over 40 years. Their policies cover accidents, illnesses, hereditary and congenital conditions, as well as dental care. Petplan also offers a unique feature called the Covered for Life Guarantee, which means that once your pet is enrolled, it will never be dropped from coverage, regardless of age or health conditions. The cost of premiums is higher than in some other companies, but the coverage is comprehensive.

Cheapest Dog Insurance Companies

There are several dog insurance companies that offer more affordable plans. The cost of dog insurance depends on various factors such as the level of coverage, the age and breed of your dog, and the location you live in. Here are some of the cheapest dog insurance options available:

  1. Lemonade

Lemonade is a newer pet insurance company that offers affordable rates for dog insurance. Their policies cover accidents and illnesses and have a low monthly premium, starting at just $12 per month. They also have a hassle-free claims process and offer a mobile app for easy management of your policy.

  1. Geico

Geico offers affordable dog insurance plans with monthly premiums starting at just $12 per month. Their policies cover accidents and illnesses, and they offer a 10% multi-pet discount if you have more than one pet.

  1. Nationwide

Nationwide offers a range of dog insurance plans with varying levels of coverage. They have a lower-cost plan called the Major Medical plan, which covers accidents and illnesses and starts at just $10 per month. However, this plan has a high deductible and limited coverage.

It’s important to note that while these insurance companies offer more affordable plans, they may not offer as comprehensive coverage as other more expensive plans. When choosing a dog insurance plan, it’s important to consider the level of coverage and benefits that are important to you, as well as the cost of the premiums.

How to Claim Dog Insurance

If your dog becomes ill or is injured, it’s important to know how to make a claim on your dog insurance policy. Here are the steps to follow:

Contact Your Vet

The first thing to do is to contact your vet and schedule an appointment. Your vet will be able to diagnose your dog’s condition and provide you with a treatment plan.

Get an Itemized Invoice

Once your vet has provided you with a treatment plan, ask for an itemized invoice that details all of the procedures and medications that your dog received.

Submit Your Claim

Most dog insurance companies have an online portal or mobile app where you can submit your claim. You will need to upload a copy of the itemized invoice and any other relevant medical records. Some companies also require a signed claim form.

Wait for Approval

Once you have submitted your claim, you will need to wait for approval from the company.

Dog Insurance Benefits

Dog insurance can provide many benefits to pet owners. Here are some of the main benefits of having dog insurance:

  1. Helps Cover Unexpected Veterinary Costs

One of the primary benefits of dog insurance is that it can help cover the cost of unexpected veterinary expenses. If your dog becomes ill or injured, the cost of treatment can quickly add up. With dog insurance, you can have peace of mind knowing that some or all of the costs may be covered.

  1. Provides Coverage for a Range of Treatments

Dog insurance policies can vary, but many provide coverage for a range of treatments, including diagnostic tests, surgeries, medications, and more. Depending on the policy you choose, you may also have coverage for routine care, such as vaccinations and annual checkups.

  1. May Help Encourage Regular Veterinary Care

When you have dog insurance, you may be more likely to take your dog to the vet for regular checkups and preventative care. This can help catch health issues early on before they become more serious and costly to treat.

  1. Offers Peace of Mind

Knowing that you have dog insurance can offer peace of mind when it comes to your pet’s health. You can rest assured that you’ll have financial support if your dog requires unexpected medical treatment.

  1. Can Be More Affordable Than Paying Out of Pocket

While the cost of dog insurance premiums can add up over time, having insurance can be more affordable than paying for veterinary care out of pocket. Depending on the level of coverage you choose and the specific health needs of your dog, insurance may save you money in the long run.

Overall, dog insurance can be a beneficial investment for pet owners who want to provide their dogs with the best possible care while also protecting themselves from unexpected veterinary expenses.

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