Top Dog Insurance Companies
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Embrace offers one plan for accidents and injuries but gives pet owners the option of customizing the plan in accordance with their needs. They also offer wellness rewards and an efficient online portal. They give $2 back to pet charities for every policy they open.
Reimbursement Rates
Reimbursement rates will vary depending on your deductible. However, your deductible will go down by $50 each year that you don’t claim a reimbursement. They offer reimbursement rates of up to 90%.
Annual Benefit Limits
Most plans have a $5000 annual benefit limit.
Price Range
The amount you pay for your pet insurance will vary depending on their breed, age, health conditions, and other factors. However, the sample monthly cost for dogs is $29.71 and the sample month cost for cats is $12.22.
Services
Embrace offers a wide range of services. They cover dental illnesses, congenital conditions, chronic conditions, preventable conditions, orthopedic conditions, and cancer. They provide coverage for specialist care, complementary treatments, rehabilitation, emergency care, diagnostic testing, hospitalization, and prescriptions.
Customer Reviews and Support
Embrace has a contact and help center as well as separate phone numbers for policy quotes and purchases, and customer care.
Pros
- Diminishing deductible
- Up to 90% reimbursement rates
- Wellness rewards
Cons
- Pre-existing conditions not covered
Fetch is ideal for pet owners looking for a straightforward insurance plan for their pets. The company offers just one plan eliminating confusion, yet it covers various types of accidents and illnesses. The plan does not include wellness coverage, but it offers a variety of other types of perks.
Reimbursement Rates
Fetch provides consumers with the option of choosing their deductible, copay, and maximum annual payout. The allows you to find a plan that works with your budget. If you choose a lower maximum annual payout, you will not receive as much reimbursement, but your premium will be lower.
Annual Benefit Limit
Your annual benefit limit will depend on the type of plan you choose.
Price Range
The amount you pay for insurance will depend on your pet’s sex, medical and behavioral history, whether they are spayed or neutered, and what their status is as an indoor/outdoor pet. However, most people will pay $35 a month for dogs and $25 a month for cats.
Services
Fetch covers more types of accidents and injuries than other insurance agencies. This includes everything from cuts and digestive issues to ruptures and serious diseases. They also cover things other providers don’t cover like dental issues, breed specific issues and exam fees for sick visits.
Customer Reviews and Support
Fetch has mostly positive reviews and has gotten four out of five stars on online review sites. Their website will address most customer FAQs. They also have a phone number you can call with additional questions.
Pros
- 15 day waiting period
- Customizable plans
- Reimbursement by direct deposit
Cons
- Plans for cats and dogs only
Spot Pet is one of the best-known brands in the pet insurance business, offering a friendly and innovative approach, wide coverage plans for both cats and dogs of all breeds and sizes, and some great reimbursement options too.
Spot Pet is definitely among the best pet insurance for 2025 for cat and dog owners, as well as those with multiple pets in the house, as you get exclusive discounts for each additional pet. It covers a wide range of veterinary bills for routine care, wellness, and treatment for injuries and illnesses too.
Reimbursement rate
Spot Pet offers really flexible plans, with a wide range of different reimbursement options for new holders to choose between. You can opt for three different values of reimbursement: 70%, 80%, and 90%. By offering this wide range of choices, Spot Pet allows you to customize your policy to meet your needs.
Annual benefit limit
As with the reimbursement options, Spot Pet offers a wide range of customization options when deciding on your annual limit. The lowest limit is $5k, but you can also choose $10k, $15k, $20k, and unlimited annual limits for your plan too.
Price range
Prices with Spot Pet are part of what make this insurance company so appealing to pet owners across America. If we look at a typical plan for a 2-3 year old cat or dog with a $5k animal limit and 80% reimbursement, you can pay as low as $19 per month. You can also get discounts for every additional pet.
Services
Part of what makes Spot Pet such a good option is its customizability. The company really gives you a lot of flexible options when creating your plan. It offers plenty of coverage too, including check-ups, vaccinations, injury and illness care, prescriptions, and microchips.
Customer reviews and Support
Customers generally seem to be very satisfied with this pet insurance company, and it has received a lot of 5-star reviews online. If you need any help with Spot Pet, there’s an FAQ section on the site, as well as a call center you can contact.
Pros
- Highly flexible plans
- Great rates
- No upper age limits
Cons
- Doesn't cover exotic pets
A guide to Dog insurance
Pet insurance is something you must consider if you’re either own a dog. Or, you’re looking to buy one. No matter what their age, they will need insurance.
Most dogs are known for being playful. They will run, jump, and swim when outdoors. And, it’s not uncommon for them to get an injury. Or, fall ill. Sometimes it may just be minor, however, other times it can be serious. This is why you need insurance.
If you’ve already done a quick search for “dog insurance”, you will know there’s an ocean of providers to choose from. This is why it is difficult to choose the one that’s best for you and your furry friend.
There are lots of things to consider before taking out a policy. These will more than likely slip your mind.
Don’t worry though, in this guide, we want to show you how to find the right policy you can trust.
Is dog insurance important?
Dogs love getting up to mischief. They’re forever playing games and putting themselves at risk of injury. Also, as you will know, dogs will eat just about anything. For example, they would happily eat a full chocolate bar when you’re not looking. This, of course, leads to illness.
So yes, dog insurance is very important. If you can’t personally pay for emergency vet bills, then you should have pet insurance. However, you should have it anyway.
Illnesses and injuries cause unexpected fees. You can avoid these by choosing an affordable policy provider.
At the end of the day, you want to keep your pet safe. And, save money as well, right?
What criteria changes the cost of Dog insurance?
You may have known this already, but there’s always going to be a few factors that will alter the price of your policy. The weight of each factor will depend on the company you choose.
When you opt for a provider, you will be asked to fill out a questionnaire. These questions will more than likely include the following.
- Breed – Some breeds are more prone to illnesses and injuries. Such as the Bulldog breed, which can suffer from breathing difficulties.
- Cover – Each cover is going to vary in restrictions. For example, a company with lots of restrictions may offer you a cheap price. However, you want to know you’re covered in all areas.
- Age – The age of your dog will certainly have an impact on the price. Your pet is more prone to injury and illnesses as they get older.
- Your location – The cost of living in your location will either increase or decrease the cost of your policy.
Things to consider when getting an insurance policy
Here are some things to consider when taking out a policy;
Don’t choose from the price
People will often choose the lowest-priced policy thinking they’re getting a “bargain”. This is a mistake! You need to make sure the low-priced providers don’t have any hidden restrictions. The last thing you want is to find out you’re not covered after your dog has a major accident.
Get the policy straight away
Getting your policy may be at the back of your mind when you get a new puppy. And you may put it off for a month or two. This is a mistake! Anything can happen at any time in your dog’s life. From day one, you need a policy in place. It will keep your dog protected. And, it will save you from unforeseen fees.
Review the terms and conditions
People always forget to read the terms and conditions. We understand it’s not fun and can seem somewhat “boring”. However, this is one of the most important factors before taking out a policy. Learn and understand what you’re buying. It’s your money, spend it wisely.
What other things may be covered?
Before finally taking out a policy, there are a few things to consider.
- Age limit – Some policies have a maximum age limit.
- Deferred period – There’s usually 10 – 30 days before you can make an eligible claim for your pet. If anything happens in this time, you may not be covered.
Also, some policies cover fees of marketing if your dog was to go missing. That’s a massive help, right?
Final thoughts
Choosing dog insurance is not something you should do in a rush. You want to know the one you’re choosing is right for you and your pet. And, you want to know you’re covered in all unfortunate events.
It’s difficult choosing, however, we can help. We have reviewed all the best pet insurance providers and put all our findings on this website.
How to Choose the Best Pet Insurance
Why to Buy Pet Insurance?
Pet Insurance FAQ’s 1
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