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Last updated June 2026

2026’s Best Dog Insurance Plans

*Based on an independent review of 29 pet insurers

500k+ pet owners have used our free comparison service to secure the lowest price – guaranteed. We donate $15 for every policy purchased.

New Variation1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$23.44/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around pet insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1

84,492 people ranked Lemonade as 4.9 on

Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$39.56/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer affordable “accident-only” plans in addition to their preventative care coverage
  • ASPCA has insured more than 600,000 pets while processing more than 2.2 million claims
  • Founded in 1997 and underwritten by Crum & Forster
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30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$40.79/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Figo offers users an amazing complimentary service to connect with vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
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30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$54.26/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Pumpkin has a great all-around pet insurance policy at competitive rates
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions can be covered at no extra cost
  • Founded in 2020 and underwritten by either Independence American Insurance Company or United States Fire Insurance Company
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30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$30.38/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit
  • Founded in 2019 and underwritten by Trisura Insurance Company
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30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$51.87/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Embrace offers multi-pet discounts, exam fee coverage, and a free 24/7 pet helpline
  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Founded in 2003 and underwritten by American Modern Insurance
View Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$106.53/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
Unlimited
  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
View Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
1
Average Plan Cost
The average cost is calculated using national prices for a 2-year-old pet with a $500 deductible, based on data collected from all across the country. Learn more at the end of this page.
$23.44/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all-around pet insurance policy at the most affordable rates. Bundle with renters insurance and save 10%
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
View Plans
30-Day Money-Back Guarantee
Cancel within 30 days for a full refund, as long as no claims have been made.
Best Overall

Ranking Methodology

We ranked the best dog insurance policies based on a variety of important factors including the following:

  • National average monthly price for a 2-year-old Labrador Retriever with a $500 deductible and this is how we calculate the “average plan cost” shown above
  • Below are all the zip codes we used to get the national average prices for each pet insurance provider: AL (35206) | AK (99516) | AZ (85050) | AR (72205) | CA (90210) | CO (80238) | CT (06105) | DE (19904) | FL (33155) | GA (30331) | HI (96821) | ID (83712) | IL (60630) | IN (46229) | IA (50317) | KS (66109) | KY (40511) | LA (70112) | ME (04108) | MD (21209) | MA (02136) | MI (48201) | MN (55414) | MS (39211) | MO (63104) | MT (59101) | NE (68154) | NV (89117) | NH (03062) | NJ (07305) | NM (87120) | NY (10022) | NC (27603) | ND (58104) | OH (44102) | OK (73129) | OR (97229) | PA (19128) | RI (02909) | SC (29414) | SD (57108) | TN (38111) | TX (77054) | UT (84104) | VT (05408) | VA (23221) | WA (98108) | WV (25311) | WI (53225) | WY (82009)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews
  • Claim satisfaction
Back up to Plans
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