dog + puppy insurance

Protection for a rainy day

Life's ruff. Paying unexpected veterinary bills shouldn't be! That's why Petplan offers the best pet insurance for dogs, so when accidents or illnesses arise, you'll never have to turn down treatment because of cost.

The world's best-loved pet insurance

dog insurance and puppy insurance

Our pack-leading dog insurance coverage provides comprehensive, nose-to-tail coverage for puppies — from 6 weeks old, all the way to their senior years and beyond.

That means from the time you introduce your new best friend to your family, you can be protected against everything life throws at you... from swallowed socks and sharp rocks to broken bones and pains and groans — just like the 1,000,000 pets we’ve protected since 1976.

our claim to fame is paying claims

Our own data shows us that every six seconds, a pet parent is faced with a vet bill for more than $1,000. To help illustrate that, check out a few of the most common pet insurance claims paid to our canine family members:

condition average cost Petplan paid
Cruciate Injuries $3,480 $3,032
Neoplasia (cancer) $2,033 $1,729
Foreign Body Ingestion $1,755 $1,479
Lameness $966 $769
Non-specific GI Disease (vomiting) $850 $665
Periodontal Disease $846 $661
Allergies $777 $599

how much could you claim with Petplan?

Crunch the numbers to fetch your savings.

claim calculator

  • your share of the cost: $450
  • Petplan's reimbursement to you: $1550
  • coverage remaining in policy period: Unlimited
    (full policy limits are reinstated upon renewal)

Petplan protected


protect your puppy for life

From the moment she wiggles into your heart, your puppy can also worm her way into trouble. In fact, puppies under the age of one are 2.5 times more likely to require an unexpected trip to the vet. The last thing you want to worry about while training your new family addition is a surprise vet bill that will cost you all your bones.

Thankfully, Petplan offers insurance for puppies as early as 6 weeks of age, with no breed restrictions, ever. It won't prevent your curious pup from eating your shoes, but puppy insurance can help with the vet bills that occur as a result.

Petplan protected


Superior Coverage For Senior Pets

Once your puppy is protected with us, you can count on us to treat your best friend like family. When your curious puppy grows into a trouble-prone teen, we'll be there to help with the veterinary bills. Should hereditary conditions put your senior pal into a troubling spot, we'll ease the burden by covering the treatment cost.

Best of all, unlike other pet insurance providers who deny your pet coverage for specific conditions as they grow older, we have no age limits on hereditary or chronic conditions like hip dysplasia or cancer, for any breed at any time.

And true to our word, we'll never cancel your coverage just because your pet is sick. If your pet is feeling down, we'll be there to lift you up.

how dog insurance works

When your dog gets hurt or sick, your best friend can get top-dog treatment, and
you can trust that claims will be reimbursed quickly and expertly.

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Once you're enrolled, your pet's policy becomes effective at 12:01 a.m. (EST) the next day. After a 5-day waiting period for accidents and injuries and a 15-day waiting period for illnesses, you're covered!

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Should your pet fall ill or suffer an injury, simply visit any licensed veterinarian in the United States or Canada for treatment, then submit your invoice and medical records to us from any device! Our free app makes it easy.

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Our claims team is composed of experienced veterinary professionals who'll process your paperwork, assess your claim and — provided we have all the necessary information — pay you back up to 90% of the total bill, less your chosen deductible.

what dog insurance covers

As pet parents, we understand first hand that big vet bills can break more than the bank; they can potentially break your heart. That's why Petplan offers comprehensive medical coverage for dogs — so you can always say yes to the best treatment at the vet.

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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.

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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 care.

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imaging — MRI, CAT scan, ultrasound

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

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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.

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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.

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cancer treatments

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

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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.

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surgery + rehabilitation

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

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alternative therapies

Alternative therapies such as veterinary acupuncture, homeotherapy, chiropractic treatment and stem cell therapy are covered provided the treatment is recommended and administered by a licensed vet.

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referral + specialist treatment

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

what dog insurance doesn't cover

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wellness + routine care

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.

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pre-existing conditions

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.

nemo + ching ching,
Petplan protected


How much does pet insurance for dogs cost?

When it comes to choosing the best dog insurance, one size doesn't fit all. Every pet and every family budget is different, and your dog health insurance cost will vary depending on:

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

With 40 years of experience protecting dogs worldwide, we have the expertise to guide you to the best insurance for your dog, and the flexibility to empower you to choose the exact coverage you need.

Petplan dog insurance reviews

10/10 Good customer service

I chose Petplan after researching several options. Petplan covers the vet consultation cost, which the next best plan did not. My Dachshund mix ate about 6 oz of dark chocolate, requiring him to spend the night at the animal hospital. Petplan covered the claim quickly, with no hassle.

— Elizabeth
10/10 Wish They Offered This Insurance for Humans!!

Petplan has been a blessing! Our 10-year-old Boxer was diagnosed with Degenerative Myelopathy, similar to ALS in humans. Thanks to Petplan, we have been able to provide the testing needed to come to a conclusive diagnosis including an expensive MRI, X-Rays, blood work, etc.

— Earla W.
10/10 prompt, compassionate, hassle-free service

Our beloved Golden Retriever, Scout, recently developed an acute onset leukemia/lymphoma. Over the many years I have been with Petplan, every person I spoke with was unfailingly polite and showed true concern for my pet's well-being. I was very pleased with their helpful answers to all my questions, the ease of filing claims, and the rapid, hassle-free payment of those claims.

— Duane H.
10/10 Competent, Caring, Quick — for over 10 years

I have had Petplan for two dogs now and have been with them for over 10 years. The staff at Petplan is knowledgeable, caring, and the turn-around time on paying claims very quick. No pet of mine will ever be without a Petplan policy!

— Mary F.
10/10 simply the best

We have had six dogs over the years and have tried three different veterinary insurance companies. For our last dog, we chose Petplan and discovered that they are simply the best. Petplan has it all, from policy options to meet your financial needs and the needs of your pet, to knowledgeable and compassionate people who answer the phone and your questions. The claim submission process is easy and those claims are processed in a very timely manner. These people all love animals and it shows

— Dennis M.