Looking for the best dog insurance in 2025? We researched and compared the top providers based on what real dog owners care about—coverage, price, ease of claims, and customer reviews. Whether you have a new puppy or a senior dog, this list will help you choose the plan that truly protects your furry friend.
1. Healthy Paws – Best Overall for Lifetime Coverage
Why dog owners love it:
Healthy Paws offers unlimited lifetime coverage with no caps, fast claim processing (average 2–3 days), and one of the best reputations in the pet insurance world.
- Monthly Cost: $35–$70 (depends on breed & age)
- Reimbursement: 70%–90%
- Deductible: $100–$500/year
- Unique Perk: No payout caps, ever
- Cons: No wellness/preventive coverage, no dental cleaning coverage
💬 Real Review: “My Golden Retriever had cancer at 6. Healthy Paws reimbursed us over $14,000. No hassle. Just love them.” – Carla M., California
2. Embrace Pet Insurance – Best for Curable Pre-Existing Conditions
Why it stands out:
Embrace is one of the few providers that covers curable pre-existing conditions after a 12-month symptom-free period. It also includes optional wellness add-ons.
- Monthly Cost: $25–$60
- Reimbursement: 70%–90%
- Deductible: $200–$1,000 (annual)
- Unique Perk: Wellness rewards plan
- Cons: No 100% reimbursement option
Real Review: “After 12 months of no symptoms, they covered my dog’s skin allergy flare-up. Huge relief!” – Ben W., Ohio
3. Figo – Best for Fast Claims & Mobile App
Why tech-savvy owners love it:
Figo has a sleek mobile app that lets you file claims, chat with a vet 24/7, and track everything in real-time. It’s also one of the only providers offering 100% reimbursement.
- Monthly Cost: $30–$55
- Reimbursement: 70%–100%
- Deductible: $100–$750/year
- Unique Perk: Pet Cloud mobile app
- Cons: No coverage for routine care unless add-on purchased
Real Review: “Used the app to submit my claim, got reimbursed in 3 days. Love how easy it is.” – Jordan P., Florida
4. ASPCA Pet Health Insurance – Best for First-Time Owners
Backed by a trusted brand:
ASPCA’s pet insurance plan is underwritten by Crum & Forster and gives straightforward, easy-to-understand options. Great for first-time dog parents.
- Monthly Cost: $25–$65
- Reimbursement: 70%–90%
- Deductible: $100–$500
- Unique Perk: Covers exam fees
- Cons: Reimbursement process may take longer than competitors
Real Review: “Coverage was decent, but claims took over a week. Still, I trust ASPCA.” – Michelle A., Texas
5. Trupanion – Best for Direct Vet Payments
No waiting for reimbursement:
Trupanion pays the vet directly at checkout, so you don’t need to wait for reimbursements. Perfect for owners who can’t afford to front large vet bills.
- Monthly Cost: $60–$90
- Reimbursement: 90% only
- Deductible: Per-condition ($0–$1,000)
- Unique Perk: Vet-direct payment system
- Cons: No wellness/routine care, higher monthly premium
Real Review: “They paid my $2,300 vet bill directly. I only paid $230. Worth every dollar.” – Sam R., Washington
6. Lemonade Pet Insurance – Best for Affordability & AI Claims
New to the market but growing fast:
Lemonade offers AI-powered claims, affordable rates, and transparency. Great for younger dogs and budget-conscious pet owners.
- Monthly Cost: $10–$35
- Reimbursement: 70%–90%
- Deductible: $100–$500/year
- Unique Perk: Instant claim processing with AI
- Cons: Not ideal for older pets or dogs with health issues
Real Review: “The app paid me back in 2 minutes—no joke. Just snapped a photo of the invoice.” – Tasha B., New York
7. Spot Pet Insurance – Best for Flexible Plans
Customize your coverage:
Spot gives pet parents a high degree of customization—choose everything from deductible to payout limit. Includes behavioral therapy coverage too.
- Monthly Cost: $20–$60
- Reimbursement: 70%–90%
- Deductible: $100–$1,000
- Unique Perk: Behavioral treatment coverage
- Cons: Claims can take 10+ days
Real Review: “I chose a low deductible and higher reimbursement. The flexibility really worked for my budget.” – Liam D., Illinois
Dog Insurance Comparison Table (2025)
| Provider | Avg. Monthly Cost | Reimbursement | Deductible | Unique Feature |
|---|---|---|---|---|
| Healthy Paws | $35–$70 | 70–90% | Annual | Unlimited lifetime benefits |
| Embrace | $25–$60 | 70–90% | Annual | Curable pre-existing coverage |
| Figo | $30–$55 | 70–100% | Annual | 24/7 vet chat & mobile app |
| ASPCA | $25–$65 | 70–90% | Annual | Easy plan for first-time owners |
| Trupanion | $60–$90 | 90% | Per-condition | Pays vets directly |
| Lemonade | $10–$35 | 70–90% | Annual | Fast AI claims & low-cost |
| Spot | $20–$60 | 70–90% | Annual | Covers behavioral therapy |