Pet Insurance for Dogs: Compare Dog Insurance Plans

Expert Dog Care Tips

At PetInsuranceForDog.com, we believe that protecting your pet starts with prevention. Dog insurance is just one part of responsible ownership—consistent wellness care, nutrition, and training play a major role in keeping your pup healthy and happy. Healthy dogs mean fewer emergencies and lower vet bills over time. Below are trusted, veterinarian-approved tips to help your dog live a longer, healthier life:

• Routine Vet Visits: Dogs should see a licensed veterinarian at least once a year for wellness exams and vaccinations. Senior dogs (around seven years and older—similar to a 54-year-old human) benefit from biannual checkups that include blood tests, dental cleanings, and arthritis screenings to detect health issues early.
• Diet and Weight Management: Feed a balanced diet based on your dog’s age, breed, and activity level. Obesity increases the risk of diabetes, joint problems, heart disease, and other chronic conditions that can lead to higher veterinary expenses. Ask your vet for feeding guidelines and portion recommendations to maintain a healthy weight.
• Preventive Care: Stay up to date with vaccines for rabies, distemper, parvovirus, and bordetella, as recommended by your vet. Spot’s wellness plans reimburse for routine vaccines and flea, tick, and heartworm prevention. Adding a wellness rider to your policy helps offset the cost of routine care and keeps your dog protected year-round.
• Dental Health: Dental disease is one of the most common—and preventable—issues in dogs. Fetch includes dental coverage in its accident and illness plans, which can save hundreds on cleanings and treatments. Brush your dog’s teeth regularly, use dental chews, and schedule professional cleanings at least once a year.
• Safe Environment: Keep your home and yard free of hazards like toxic plants, chemicals, or small objects that can be swallowed. Provide plenty of enrichment—walks, toys, and training—to prevent boredom and destructive behaviors. Supervised outdoor time and secure fencing reduce the risk of accidents or escapes.
• Microchipping: A microchip dramatically improves your chances of recovering a lost dog. Many insurers, including Spot, reimburse microchipping under accident or wellness coverage. Make sure your contact information is up to date in the microchip registry.
• Behavioral & Mental Health: Anxiety, aggression, or excessive barking can indicate stress or underlying medical issues. Some providers, like Fetch, cover behavioral therapy for conditions such as separation anxiety or compulsive behaviors. Regular exercise, enrichment, and positive reinforcement training promote emotional well-being.

Frequently Asked Questions

Is dog insurance really worth it?

Yes. Veterinary emergencies are more common than most owners realize—one in three pets needs emergency care each year—and a single incident can cost over $7,000. Dog insurance reimburses 70–100% of eligible costs, transforming unpredictable expenses into manageable monthly premiums and encouraging proactive healthcare.

How much does dog insurance cost?

Premiums vary based on your dog’s age, breed, health, and location. Basic accident-only plans start around $10–$15 per month, while comprehensive accident & illness coverage typically ranges from $30–$50 per month. Sample quotes show Lemonade offering coverage as low as $18 per month, while adding a wellness plan may add $10–$25 monthly.

What does dog insurance cover?

Coverage depends on your plan but usually includes:

• Accidents: Broken bones, swallowed objects, poisonings, lacerations, and emergency surgeries. Spot’s accident plan covers microchipping, hospitalization, and even acupuncture.
• Illnesses: Cancer, allergies, diabetes, arthritis, ear and skin infections, and hereditary conditions like hip dysplasia. Fetch includes coverage for dental and gum disease, chronic conditions, and cancer treatments.
• Diagnostics & Treatments: Blood tests, X-rays, MRIs, ultrasounds, lab work, surgeries, and prescription medications. Some plans include alternative therapies such as chiropractic care, acupuncture, and rehabilitation.
• Vet Visits: Sick-visit exams, emergency consults, and after-hours care. Most insurers allow you to visit any licensed veterinarian in the U.S. or Canada.
• Virtual Vet Visits: Many providers now reimburse or fully cover telehealth consultations for non-emergency concerns.

What’s not covered by dog insurance?

Most policies exclude pre-existing conditions, breeding or pregnancy costs, cosmetic procedures (like ear cropping or tail docking), and routine care unless you add a wellness plan. Supplements, vitamins, and special diets prescribed after recovery are also usually excluded.

Are wellness plans worth it?

If you regularly pay for vaccines, exams, bloodwork, or dental cleanings, a wellness plan can reduce out-of-pocket expenses. Spot’s Gold plan (around $9.95/month) covers annual exams, blood tests, and vaccines, while the Platinum plan (around $24.95/month) adds dental cleanings, spaying/neutering, and parasite prevention. Choose a plan that aligns with your dog’s life stage and healthcare routine.

Can I keep using my current vet?

Yes. Most dog insurance providers, including Fetch and Healthy Paws, allow you to use any licensed veterinarian in the U.S. or Canada. Companies like Spot also reimburse standard exam and consultation fees.

Do insurance plans cover online vet visits?

Many modern policies do. Spot’s accident & illness plan includes virtual vet visits, and its wellness add-ons cover routine telehealth consultations. Fetch also reimburses online vet visits as part of its accident & illness coverage. Telehealth is ideal for non-emergency questions, early triage, and after-hours guidance—helping you care for your dog without unnecessary stress or travel.