Best Dog Insurance

The best dog insurance for your pet depends on factors like your budget, your dog’s age and breed, and the coverage you prioritize. Here are some top picks based on expert reviews:

1. Best Overall: Healthy Paws
   • Unlimited payouts with no caps.
   • Covers illnesses, accidents, and hereditary conditions.
   • Quick claims processing (2 days on average).
   • Ideal for comprehensive coverage but does not include wellness or routine care【10†source】【11†source】.
2. Most Affordable: Lemonade
   • Starting at $12/month for basic coverage.
   • Offers accident and illness plans with add-ons for wellness care.
   • Best for younger pets due to limited customization for older pets【11†source】【12†source】.
3. Best for Chronic Conditions: Trupanion
   • Covers 90% of eligible costs with lifetime per-condition deductibles.
   • Direct payment to vets available.
   • Higher premiums, but no increases with age【11†source】【12†source】.
4. Best for Wellness Add-ons: Embrace
   • Customizable plans, including wellness care.
   • Covers routine care and exams.
   • Discounts for multiple pets【10†source】【11†source】.
5. Best for Senior Dogs: Spot
   • Comprehensive accident and illness coverage, including for senior pets.
   • Available in all 50 states with no upper age limit【11†source】.

Each insurer has its pros and cons, so it’s wise to get quotes based on your pet’s specific needs to compare costs and benefits.