Top 5 Best Dog Insurance Companies in 2024

best dog insurance companies

As pet parents, we all know that our furry companions are more than just pets—they’re part of the family. But unlike other family members, they can’t voice when they’re in pain or need medical attention, which can lead to unexpected vet bills that can strain our finances. This is where choosing the best dog insurance companies in 2024 comes into play.

Last year, dog owners faced average annual vet costs of $362, prompting many to seek financial safety nets for their pets’ healthcare needs. Reflecting upon this, it’s crucial to consider breed, age, and zip code when selecting the right insurance policy for your four-legged friend.

The pet insurance industry is evolving, with states like California and Maine leading the way in specific governing laws. In 2022, the National Association of Insurance Commissioners took a significant step by introducing a model law aimed at establishing clear standards for pet insurance, simplifying the decision-making process for us as consumers. We understand the gravity of making an informed choice, and it’s essential to thoroughly scrutinize what is included and excluded in a policy.

In our analysis, we’ll provide a comprehensive look at the best dog insurance companies, addressing key decision factors such as monthly pricing, coverage plans, customization options, and customer support—all tailored to safeguard the well-being of your cherished pet.

I’ll walk you through the nuances of these best insurance companies for dogs, ensuring that you’re equipped with the knowledge to secure top-tier medical care for your pet without breaking the bank. With our insights, you’ll be prepared to provide the best for your dog, ensuring they live healthier, happier lives as part of your family.

1. Spot Pet Insurance

As we dive into the details of Spot Pet Insurance, a top-rated dog insurance company that emerged in 2019, we’re looking at a relatively new player in the pet insurance field. What sets Spot apart is its distinguished endorsement by one of the most recognized figures in dog training, Cesar Millan. Backed by the underwriting from Crum & Forster Group, which boasts an A-rating from AM Best, you’re guaranteed that their policies are built on a strong financial foundation.

Here’s an in-depth look at the key aspects of Spot Pet Insurance:

Comprehensive Coverage

Spot prides itself on offering a breadth of coverage that includes accidents, illnesses, and preventative care. This isn’t just limited to routine visits and shots; dental cleanings are also part of the package, which can be a game-changer for overall pet health.

Customization and Savings

Tailoring to your dog’s unique needs is easy with Spot. They provide an array of options for deductibles and annual limits, including an unlimited coverage choice. Pet parents will appreciate the savings from a 10% multi-pet discount when insuring multiple furry friends and a special offer of a $25 Amazon gift card available in some states upon enrollment.

User-Friendly Experience

When we talk about making life easier for pet owners, Spot has a user-friendly claim process accessible via their website or mobile app. It’s a straightforward approach that saves valuable time. Based on the reviews on Trustpilot, Spot Pet Insurance stands out with a high 4.6 rating from a substantial number of reviews (3,822), reassuring that many have had positive experiences.

The finer details further explain why Spot is among the best insurance companies for dogs:


With an average monthly cost of $54 or $648 annually, Spot delivers value, including coverage for end-of-life expenses — a compassionate consideration for any pet owner.

No Age Discrimination

Seniors are welcome here; there are no upper age limits for coverage or enrollment, ensuring that your canine companion is eligible for care at any stage of life.

Praiseworthy Ratings

Spot’s appeal is backed by a 4.5 out of 5 stars rating from MarketWatch and an impressive full 5-star rating for overall performance from NerdWallet, acclaiming their customization options, competitive costs, and simplicity in navigation both online and through their app.

Coverage Extra

They go beyond what some insurers offer, covering prescription diets and behavioral therapies, and under certain conditions, they even cover pre-existing conditions—terms apply.

Preventative Care Options

Their two preventive care add-ons can reimburse you for wellness exams and dental cleanings, aligning with the proactive health maintenance many pet owners value.

Understanding the depth of coverage and the user experience is key to recognizing why Spot is a leading dog insurance company. They’ve ensured accessibility in all 50 states and the District of Columbia, aiming to make their comprehensive pet insurance available to a wide demographic.

Our commitment to transparency means we’re also guiding you toward their content-rich website. There, Spot Pet Insurance presents all the necessary information, from FAQs to sample policies, helping you make an informed decision for your pet’s healthcare needs. With Spot, securing the best possible care for your dog or cat is backed by both reputable coverage and an overwhelming endorsement from satisfied pet owners.

2. Lemonade Pet Insurance

Continuing our exploration of top-rated dog insurance companies, we must look at Lemonade Pet Insurance, which is reshaping the market with its tech-savvy approach to pet care. Renowned for its swift, predominantly online policy buying and management process, Lemonade makes receiving coverage a breeze for the modern pet owner. Here is an in-depth analysis of what Lemonade offers:

Tech-First Ease of Use

Lemonade stands out as a leading dog insurance company with its intuitive app, which simplifies the daunting task of policy management and claims filing. The process is notably efficient, with most simple claims being paid almost instantly, though more complex cases require more time.

Comprehensive and Customizable Policies

Their base policy encompasses an extensive range of diagnostics, procedures, and medications crucial for accidents and illnesses. Beyond this, customizable options are plentiful:

  • Add-on preventative care costs covering vaccinations and routine tests.
  • Riders cater to the unique needs of young pets.
  • Add-ons ranging from vet visit fees to physical therapy and end-of-life care.

Lemonade’s pricing model is another aspect that solidifies its spot among the best insurance companies for dogs. The affordability is commendable, with plans starting as low as $10 per month, depending on various factors such as breed and location. In our understanding, versatility is a clear advantage here, illustrated by the following:

Flexible Pricing and Discounts

While factors such as age, breed, and location influence the cost, the average annual outlay stands at about $245. Notably, Lemonade offers several discounts – a 5% multi-pet discount, a 10% bundle discount for existing Lemonade policyholders, and an additional 5% off for choosing an annual payment plan.

Carefully Structured Preventative Packages

Lemonade’s preventative care offerings are systematically tailored and categorized to suit adult pets and puppies/kittens, ensuring they receive appropriate coverage for essential health milestones. For instance, the Puppy/Kitten Preventative Care package is impressively comprehensive.

Policy Flexibility

Deductibles range from $100 to $750, with reimbursement options between 70% to 90%, and coverage limits extend from $5,000 up to a substantial $100,000 annually. Furthermore, policies can be painlessly modified or canceled as needed, with a pro-rated refund instantly accessible.

Accessibility and Inclusivity

As one of the leading dog insurance companies, Lemonade aims for broad accessibility, offering its insurance in a vast array of states, with the potential for further expansion. Importantly, they accommodate a wide array of pets, though with thoughtful consideration to enrollment age limits by breed.

It’s noteworthy that Lemonade proudly holds a clean slate with no complaints with the Consumer Financial Protection Bureau, underscoring its commitment to customer satisfaction. Moreover, their diverse coverage areas and transparent rates—displaying average monthly premiums of $31.01 for dogs and $16.63 for cats—underscore their mission to provide affordable care without sacrificing quality. By integrating our understanding of the full scope of Lemonade’s policies and consumer-friendly approach, we reinforce our role in educating readers on selecting the best dog insurance company for their loyal companions.

3. Embrace Pet Insurance

Transitioning to another choice among top-rated dog insurance companies, Embrace Pet Insurance distinguishes itself with its comprehensive approach to pet health care. Our furry friends are unique, and so are the medical challenges they may face, which is why it’s heartening to see Embrace offering coverage that includes accidents, illnesses, breed-specific conditions, and even cancer treatments. This protector of pet welfare doesn’t stop there; they also extend their paw to cover complementary treatments like chiropractic care and acupuncture, without extra charges—a testament to their dedication to holistic pet care.

Here’s a snapshot of what makes Embrace stand out as one of the best dog insurance companies in 2024:

Holistic Coverage

Plans encompass a wide range of care including accidents, illnesses, dental treatments, and essential medications. Owners seeking an all-encompassing plan will find Embrace’s policy robust and receptive to their dog’s entire healthcare spectrum.

Wellness Rewards Plan

For those meticulous about routine health maintenance, Embrace’s optional Wellness Rewards enhance budgeting for regular visits, vaccinations, and even grooming and training. This reflects their understanding of a pet parent’s full spectrum of care.

Policy Customization and Benefits

Embrace enables pet owners to tailor their deductibles and policy limits. The insurer is also mindful of the benefits they offer, such as unlimited reimbursement options, a 24/7 helpline, and a straightforward claims process—crucial elements for a stress-free experience.

Analyzing the cost aspects of Embrace Pet Insurance reveals that while pre-existing conditions are not covered, they recognize the difference between curable and incurable conditions, which is significant because it illuminates a path to future coverage for certain conditions after a 12-month symptom-free period. Moreover, our readers looking for coverage in a variety of states, including Florida, Texas, New York, and New Jersey, will appreciate their wide availability.

In terms of personalization, Embrace offers:

Adjustable Costs

With deductibles ranging from $100 to $1,000 and reimbursement rates as high as 90%, owners have the flexibility to structure a plan that aligns with both their financial and care expectations. Coverage limits are selectable from $5,000 to unlimited, allowing pet parents to choose the scale of protection that suits them best.

Wellness Rewards Options

Three tiers—$250, $450, or $650 annually—complement routine veterinary expenses, delivering an impressive range of choices for budget-conscious owners.

Multiple Pet Caregiver Support

Discounts are provided for multi-pet families, military personnel in some states, and those working in animal care, addressing a diverse community of pet lovers.

Embrace Pet Insurance, administrated by the Embrace Pet Insurance Agency, LLC and underwritten by American Modern Insurance Group, Inc., offers a plan for every pet’s needs and every owner’s budget constraints. Their comprehensive offerings and customizable policies reinforce their position as a leading dog insurance company and as our cherished companions’ vigilant guardians.

4. Pets Best Insurance

Navigating the landscape of top-rated dog insurance companies, we turn our attention to Pets Best Insurance, a company that has made significant strides since its inception in 2005. As an industry leader, Pets Best offers dynamic policy options designed to wrap around the varied needs of dogs and cats. This inclusivity extends to their coverage of accidents, illnesses, surgeries, and even chronic diseases—like cancer, which can be particularly costly. Their holistic approach is exemplified by their wellness coverage aimed at routine care and specialized plans that cater to the specific needs of pets.

Their BestBenefit Accident and Illness Plans provide a safety net for a range of unforeseen incidents:

  • If a game of fetch turns into an unexpected injury, rest assured that broken bones and lacerations are covered.
  • Common health concerns like diabetes and arthritis, or seizures in breeds prone to epilepsy, won’t leave you doing financial acrobatics.
  • Behavioral consultations, an often-overlooked aspect of pet wellness, are also included, illustrating their understanding of comprehensive pet care.
  • Unlike some companies, older animals and those who haven’t been spayed or neutered are equally respected with full coverage.

But as with all leading dog insurance companies, it’s crucial to recognize the limitations within Pets Best policies. Certain procedures and treatments, such as elective and preventive ones like tail docking or nail trimming, don’t cut. And while parasites like fleas and ticks are common adversaries, treatments for these little critters are only available through additional wellness plans, which include routine veterinary care like vaccinations.

We pour over the numbers to ensure our furry family members get the care they need without financial strain. Pets Best Insurance allows us to customize quotes to best fit our unique companion’s needs and circumstances. In terms of accessibility, they’ve made filing a claim as smooth as possible. After your pet’s been to the vet—any licensed vet in the United States, Canada, or even Puerto Rico—you can submit your claims with a few taps on your mobile device. As confessed dog lovers, we can’t help but appreciate this degree of flexibility and convenience.

Pets Best Insurance stands firm among the best insurance companies for dogs, with customer-focused services such as 24/7 emergency vet hotlines and a clear emphasis on eliminating the stress in insuring our pets. The multitude of customer testimonials and an A+ BBB accreditation, despite some concerns over claim disputes, serve as testimony to their commitment to pet care. In aligning with their vision to end economic euthanasia, their discounts and lack of upper age limits for enrollment speak volumes about their dedication to accessible pet healthcare.

5. Nationwide Pet Insurance

As we continue our comprehensive exploration of top-rated dog insurance companies, our spotlight turns to Nationwide Pet Insurance, which not only caters to dogs and cats but also offers a protective umbrella for birds, exotic animals, and an array of small mammals. Nationwide’s diverse plans reflect a deep understanding of the varied needs across the animal kingdom.

Nationwide’s array of plans includes:

Major Medical Plan

Designed as a budget-friendly option covering basic accidents and illnesses.

Whole Pet Plan

The most comprehensive coverage embraces everything from accidents to hereditary diseases.

Wellness Plan

Focused on preventative care, offering services like vaccinations and microchipping.

Modular Plan

Allows owners to add-on coverage for specific concerns beyond basic accident and illness plans.

Particularly, the Whole Pet plan leaves no stone unturned—it’s a leading choice among pet owners for its coverage of accidents, congenital conditions, hereditary diseases, and much more:

  • Hospitalization and surgeries for both accidents and illnesses are comprehensively included.
  • Chronic conditions, a crucial consideration for long-term health, fall under Nationwide’s Whole Pet Plan umbrella.
  • You won’t have to stress over medication costs as these, too, are included, ensuring your pet always has access to needed treatments.

Naturally, we seek options that foster good health from the get-go. Nationwide’s Wellness Plan provides for:

  • Routine physical exams and vaccinations to keep pets in top shape.
  • Coverage for behavior exams, fecal tests, and deworming, ensuring your pet’s comprehensive well-being.
  • Even nail trims and microchipping come under this plan, allowing for those necessary extras that keep our pets at their best.

Our commitment to providing the best insurance companies for dogs wouldn’t be complete without juxtaposing Nationwide with its competitors. The plan comparisons reveal:

  • Spot as the most inclusive for coverage options.
  • Lemonade as the most affordable, putting essential care within reach.
  • Nationwide’s plans shine for their unique inclusion of avian and exotic pet coverage.

We note that no company is without its limitations. Nationwide’s 14-day waiting period for its plans to kick in could be a factor in your decision. Furthermore, watch out for:

  • Exclusions on pre-existing conditions; this is standard, but worth remembering.
  • Non-veterinary fees and preventive care costs are not covered without a wellness plan add-on.
  • Some plans are rigid, offering limited choices in comparison to other top-rated dog insurance companies.

Financial benefits also come into play with Nationwide offering:

  • A 5% discount for existing Nationwide customers and multi-pet households.
  • Further discounts are accessible through employer or organization associations, enhancing the value proposition further.

With an impressive 4.1 out of 5 stars on Trustpilot, Nationwide boasts enviable customer satisfaction, and perks such as:

  • 24/7 veterinary support via their VetHelpline app.
  • Preferred pricing for prescriptions.
  • One of the few leading dog insurance companies providing coverage for less common pets like birds and exotic species.

In evaluating the potential downsides of Nationwide pet insurance, we find:

  • The constraint of wellness plans that can’t be added to some policies.
  • Waiting periods and restrictions, including age limits on certain plans.
  • Location-based pricing requires detailed quotes that factor in pet breed and age for exact rates.

Nationwide Pet Insurance upholds an all-encompassing proposition for pet protection, and with this insight, our readers can weigh the intricate tapestry of coverage, costs, and care synonymous with this established insurer. As our exploration draws closer to its conclusion, we stay committed to gauging the particulars of each provider, ensuring you and your beloved pet can step into a secure future.


In conclusion, our journey through the top dog insurance companies in 2024 has revealed that whether you prioritize comprehensive coverage, cost-effectiveness, or customer service, there is a policy out there to meet your needs. By considering the offerings from Spot, Lemonade, Embrace, Pets Best, and Nationwide, pet owners are equipped with all the necessary information to make an informed decision tailored to their four-legged family member’s unique health requirements and the family budget.

Reflecting on the implications of our analysis, we affirm that the right pet insurance can not only provide peace of mind but also ensure that our cherished companions receive the best possible care without financial hardship. We hope that this article serves as a guiding light for pet parents navigating the insurance landscape, bringing us one step closer to safeguarding the health and happiness of our loyal dogs.


As you navigate the selection of top-rated dog insurance companies, it’s essential to consider these facets to secure a policy that best suits your dog’s needs and your financial situation. Using our insights on leading dog insurance companies, we are committed to providing your furry family members with the utmost care and protection.