Dog insurance is becoming a must-have for pet owners as veterinary costs continue to rise. Whether you live in the US, UK, or Canada, choosing the right plan can save you thousands on unexpected vet bills. With so many providers available, it’s important to find a reliable policy that fits your budget and covers your dog’s specific needs.
In this 2025 guide, we’ll break down the best dog insurance plans in each country, comparing coverage, pricing, and unique features to help you make the best decision for your pet.
Best Dog Insurance Plans in the US (2025)
In the US, pet insurance options are varied and competitive, with many providers offering customizable plans. Here are the top choices based on coverage, affordability, and customer satisfaction.
1. Embrace Pet Insurance
✔ Best for: Comprehensive coverage & wellness add-ons
✔ Why it’s great: Covers chronic conditions, alternative therapies, and breed-specific issues
✔ Reimbursement options: 70%, 80%, or 90%
✔ Deductibles: $200–$1,000
✔ Waiting period: 2 days for accidents, 14 days for illnesses
✔ Unique perk: Deductible reduces by $50 for every year without a claim
2. Healthy Paws
✔ Best for: Unlimited lifetime payouts & fast claim processing
✔ Why it’s great: No caps on claims, making it ideal for serious medical conditions
✔ Reimbursement options: 70%, 80%, or 90%
✔ Deductibles: $100–$750
✔ Waiting period: 15 days for accidents & illnesses
✔ Unique perk: Pays vet bills directly in some cases
3. Trupanion
✔ Best for: Direct vet payments & no payout limits
✔ Why it’s great: No annual or lifetime caps on payouts
✔ Reimbursement options: 90%
✔ Deductibles: Customizable from $0–$1,000
✔ Waiting period: 5 days for accidents, 30 days for illnesses
✔ Unique perk: Covers hereditary conditions with no extra costs
4. Spot Pet Insurance
✔ Best for: Highly customizable coverage
✔ Why it’s great: Offers accident-only and full-coverage plans
✔ Reimbursement options: 70%, 80%, or 90%
✔ Deductibles: $100–$1,000
✔ Waiting period: 14 days for illnesses, 2 days for accidents
✔ Unique perk: No upper age limit for enrollment
5. ASPCA Pet Insurance
✔ Best for: Budget-conscious pet owners
✔ Why it’s great: Covers behavioral issues, alternative therapy, and dental care
✔ Reimbursement options: 70%, 80%, or 90%
✔ Deductibles: $100–$500
✔ Waiting period: 14 days for accidents & illnesses
✔ Unique perk: Covers exam fees (many plans don’t)
Best Dog Insurance Plans in the UK (2025)
UK pet insurance often includes lifetime, annual, or accident-only plans, with some offering multi-pet discounts. Here are the best providers for 2025.
1. ManyPets (Previously Bought By Many)
✔ Best for: Lifetime coverage & high payouts
✔ Why it’s great: Covers pre-existing conditions if symptom-free for a year
✔ Reimbursement options: 90%
✔ Annual coverage limits: Up to £15,000
✔ Waiting period: 15 days for illnesses, 48 hours for accidents
✔ Unique perk: Offers complementary therapy & dental
2. Petplan UK
✔ Best for: Covering hereditary & chronic conditions
✔ Why it’s great: One of the most comprehensive plans in the UK
✔ Reimbursement options: Up to 100%
✔ Annual coverage limits: £4,000–£12,000
✔ Waiting period: 14 days for illnesses
✔ Unique perk: Covers vet exam fees & physiotherapy
3. Agria Pet Insurance
✔ Best for: Long-term conditions & large vet bills
✔ Why it’s great: Covers breed-specific health issues
✔ Reimbursement options: 90%
✔ Annual coverage limits: Up to £12,500
✔ Waiting period: 14 days for illnesses
✔ Unique perk: Covers breeding risks & pregnancy
Best Dog Insurance Plans in Canada (2025)
Canadian pet insurance offers lifetime, accident, and illness plans, with some providers covering alternative therapies and wellness care.
1. Trupanion Canada
✔ Best for: No payout limits & direct vet payments
✔ Why it’s great: Covers 90% of eligible expenses
✔ Annual coverage limits: No limits
✔ Waiting period: 5 days for accidents, 30 days for illnesses
✔ Unique perk: Covers medications & prescription diets
2. Petsecure
✔ Best for: Comprehensive accident & illness coverage
✔ Why it’s great: Covers dental care & alternative treatments
✔ Annual coverage limits: Up to $7,500
✔ Waiting period: 48 hours for accidents, 14 days for illnesses
✔ Unique perk: Includes boarding fees if you’re hospitalized
3. Fetch Pet Insurance (Previously Petplan Canada)
✔ Best for: High reimbursement rates & alternative therapies
✔ Why it’s great: Covers hereditary conditions & holistic treatments
✔ Annual coverage limits: Up to $15,000
✔ Waiting period: 15 days for accidents & illnesses
✔ Unique perk: Offers rehabilitation therapy coverage
How to Choose the Best Dog Insurance in 2025
✔ Compare coverage options – Look for plans that cover hereditary conditions, accidents, and wellness care.
✔ Check reimbursement rates & deductibles – Higher reimbursement means more money back on claims.
✔ Look for exclusions – Some policies don’t cover pre-existing conditions or breed-specific issues.
✔ Consider waiting periods – If your dog needs immediate coverage, choose a short waiting period.
✔ Read customer reviews – A provider with good claim approval rates will save you headaches later.
Final Thoughts: Which Dog Insurance Plan Is Right for You?
The best dog insurance depends on your dog’s needs, breed, and budget. Whether you’re in the US, UK, or Canada, there’s a plan that offers the right balance of coverage, affordability, and customer service.
Need help picking the perfect plan? Drop a comment, and I’ll help you find the best deal for your furry friend!
