Dog insurance

Tail wags for life

What is dog or puppy health insurance?

We know you consider dogs part of the family and want everyone safe and sound. If they get sick or injured, dog insurance helps pay the vet bill. Our tooth-to-tail protection means Petplan is there from when they're a small puppy to their senior years and beyond.

According to Petplan claims data, every six seconds a pet parent is faced with a vet bill for more than $1,000.

How dog insurance works

01

Get treatment

Visit any licensed veterinarian in the US or Canada when your dog is sick. For those times when your puppy thinks your remote is for dinner.

02

File a claim

Submit a pet health insurance claim online or from your phone with the Petplan app. Because less paperwork is the best kind.

03

Be reimbursed

Get reimbursed up to 90% of your vet bill. Look out for a wallet refill when your claim is approved.

Note: Petplan, like most other pet insurance providers, does not cover routine and preventive visits, pre-existing conditions, or elective procedures.

Cost of pet insurance for dogs

Dog insurance costs will vary depending on several factors, but all dogs six weeks and older are welcome to join Petplan. We understand that dogs have unique needs and do our best to cater to them through flexible reimbursement options. The following factors go into determining your pet insurance cost:

    • your dog's age
    • your dog's breed
    • where you live
    • your annual coverage
    • reimbursement level
    • annual deductible

See how much other dog parents saved with Petplan dog insurance.

  • Meet Debbie and her dog, Diego

     

    Her dog was treated at the vet for a intervertebral disc disease and her vet bill was $5,616.

    Petplan reimbursed $4,554; Debbie only paid $1,061.

    Debbie's Petplan

      • Joined Petplan
      • 3 years ago
      • Coverage
      • $15,000
      • Location
      • Santa Monica, CA
      • Deductible
      • $500
      • Breed
      • Boston Terrier
      • Plan Price
      • $44/mo
  • Meet Alex and her puppy, Frankie

     

    Her dog was treated at the vet for swallowing a bone and her vet bill was $1,193.

    Petplan reimbursed $823; Alex only paid $369.

    Alex's Petplan

      • Joined Petplan
      • 4 months ago
      • Coverage
      • $25,000
      • Location
      • Philadephia, PA
      • Deductible
      • $250
      • Breed
      • Pug
      • Plan Price
      • $56/mo
  • Meet Mike and his puppy, Charley

     

    His dog was treated at the vet for a bite wound and his vet bill was $1,541.

    Petplan reimbursed $1,136; Mike only paid $404.

    Mike's Petplan

      • Joined Petplan
      • 8 months ago
      • Coverage
      • Unlimited
      • Location
      • Chicago, IL
      • Deductible
      • $250
      • Breed
      • Bull Terrier
      • Plan Price
      • $43/mo

Why Petplan dog health insurance?

Coverage for COVID-19

Petplan covers viruses like COVID-19 in dogs and reimburses up to $1,000 for online vet visits with no co-pay or deductible applied. We also cover boarding fees for your dog if you are hospitalized for four days or more.

Puppies protected

Some providers limit enrollment for dogs of a certain age, but Petplan offers pet insurance for puppies as early as 6 weeks of age, with no age limits on hereditary or chronic conditions like hip dysplasia or cancer, for any breed at any time. 

What does dog insurance cover?

Accidents + injuries + illnesses

Petplan provides coverage for the reimbursement of veterinary fees due to injury and illness — including coverage for hereditary and chronic conditions as standard.

Diagnostic treatments

Laboratory and diagnostic testing, including specialized chemistry and blood work, are covered if they are part of treating or diagnosing a coverable injury or illness.

Veterinary exam fees

The cost of any exam conducted by a licensed veterinarian to treat or diagnose an ill or injured pet, including emergency and specialty vet care.

Prescription medications

Medications prescribed by your veterinarian as a treatment for an illness or accident are covered, including nutraceuticals. Vitamins and heartworm/flea and tick preventives are not covered.

Imaging - MRI, CAT scan, ultrasound

Imaging deemed medically necessary by a licensed veterinarian to help diagnose or treat your pet, including MRI costs, CAT scans and ultrasounds, are covered.

Cancer treatments

Petplan is proud to offer coverage for veterinary oncology care and cancer treatments such as chemotherapy and radiotherapy.

Dental treatments (non-routine)

Petplan will cover non-routine dental treatments such as broken teeth or periodontal disease provided your pet has had its teeth checked by a vet in the 12 months prior to the effective date of coverage and any treatment recommended as a result of a veterinary check-up was carried out.

Surgery + rehabilitation

Any surgical procedure or rehabilitation prescribed by a licensed veterinarian as part of a treatment protocol and performed at a veterinary facility.

Holistic therapies

Holistic therapies such as veterinary acupuncture, homeopathic therapy and chiropractic treatment are covered provided the treatment is recommended and administered by a licensed vet.

Referral + specialist treatment

All specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology are covered by Petplan.

Unlike a wellness plan, which covers routine care such as teeth cleaning, neutering/spaying and vaccinations, dog insurance pays you back for the unexpected and costly care needed for injuries and illnesses.

Any treatment, service or procedure, including but not limited to physical examinations, medications, surgeries, inoculations or laboratory procedures for the purpose of prevention of illness or injury or for the promotion of general health, where there has been no injury or illness.

Like all pet insurance providers, Petplan cannot cover a medical condition which first occurred or showed clinical sign(s) or symptoms before the effective date of your policy or during the policy waiting period.

Elective or specialty procedures, including but not limited to tail docking, dewclaw removal, eyelash removal, ear cropping, spaying or neutering elective gastroplexy and more, unless requested by a veterinarian to treat a covered injury or illness.

Any costs associated with an injury to a person or property damage caused by a pet.

Frequently asked questions

  • Yes, dog insurance is available and helps cover unexpected veterinary bills when your dog becomes sick or injured. Though dog insurance does not cover wellness visits like shots or teeth cleaning, it helps with the financial management of your pet's care when surprise health issues arise. 

  • Dog insurance cost varies depending on your pet's age, breed, zip code, and the reimbursement options of your policy. The average monthly premium ranges from $20 to over $100 depending on the various factors involved. Discover more about the cost of dog insurance here.

  • Dog insurance covers up to 90% of the veterinary medical costs to diagnose and treat your dog after an unplanned accident, illness or injury. It can help you manage the costs of tests, medications, surgery, physical therapy and more. Read more about what dog insurance does and does not cover.

  • You can get dog insurance by obtaining a free quote online from a pet insurance provider such as Petplan. You can also call 1.855.840.9912 and speak to a licensed insurance agent who can help you set up a dog insurance policy. 

  • Yes, dog insurance is worth it! By protecting your dog with the best pet insurance policy, you can enjoy peace of mind knowing that your canine family member is protected. With this financial safety net in place, you can pursue the needed treatment for your pet, without sacrificing on their care because of cost. See if dog insurance is worth it for you.

  • The best dog insurance is the one that gives you the financial flexibility, comprehensive coverage and confidence to pursue the top care for your pet. For more information about providers, see our pet insurance provider comparison chart.

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Come join the pack

Choose from different reimbursement options that fit you. But first, let’s get to know your pet.