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Pet Insurance for Dogs
Pet insurance can save thousands when the unexpected happens. A single ACL surgery costs $3,000-$6,000. Understanding how pet insurance works helps you choose the right coverage.
Types of Dog Insurance Coverage
Accident-Only
Injuries, emergencies, fractures, poisoning
Illnesses, cancer, hereditary conditions
Accident & Illness
Accidents PLUS illnesses, cancer, infections
Pre-existing conditions, wellness care
Comprehensive
Accidents, illnesses, AND routine care
Pre-existing conditions
✅What's Typically Covered
Accidents & Emergencies
Broken bones, lacerations, hit by car
Illnesses
Cancer, infections, allergies, UTIs
Hereditary Conditions
Hip dysplasia, heart disease (varies by plan)
Surgeries
ACL repair, tumor removal, foreign body
Medications
Antibiotics, pain meds, chronic disease meds
❌What's NOT Covered
Pre-Existing Conditions
Anything diagnosed before coverage starts.
Wellness/Preventive Care
Vaccines, annual exams (unless wellness add-on).
Breeding Costs
Pregnancy, birth, and related complications.
Waiting Period Claims
Conditions during 14-30 day waiting periods.
Insurance by Dog Breed
Different breeds have different health risks and insurance costs. Click for breed-specific guides.
Frequently Asked Questions About Dog Insurance
Is pet insurance worth it for dogs?▼
When should I get pet insurance?▼
Why do some breeds cost more to insure?▼
Ready to Protect Your Dog?
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Trusted sources:: NAPHIA · AVMA Pet Care