Best Puppy Health Insurance Companies
What Is Puppy Health Insurance?
Life is full of unexpected events. That is why most people take out insurance to protect against having to pay out large sums of money if something unexpected happens.
Insurance is often thought of as being for the house, car or medical insurance for ourselves.
But there are many other types of insurance that give us protection against every eventuality; this includes insurance for our pets.
If you are a new puppy owner, you may think that puppy insurance is not necessary.
But it is.
Puppies are young and take time to be trained. They are curious and play with things they shouldn’t be playing with, cause or have accidents or eat things that are bad for them.
This often means an unexpected trip to the vet and treatment costing hundreds if not thousands of dollars.
Taking out puppy insurance gives you peace of mind. It means you can manage any unexpected vet costs should your puppy become ill or have an accident.
What Does Puppy Insurance Cover?
Puppy insurance works in the same way as your home, car or medical insurance.
When you take out a plan, you answer questions about your puppy and select the level of insurance cover you want and can afford.
The higher the level of cover you want for your puppy, the higher the monthly premium cost you pay.
Insurance for puppies usually covers:
- Emergency examination costs
- Hereditary conditions
It usually doesn't cover general vaccinations, neuters/sprays, routine examinations, pre-existing conditions and preventative care.
When deciding on pet insurance for puppies, it is worth shopping around and looking at what each puppy insurance provider covers.
Best Puppy Insurance Companies in the US
There are many puppy insurance providers. The list below details some of the top providers, including critical policy and pricing information.
1. Pet Assure
Pet Assure is different from a typical pet insurance company. Instead of offering monthly insurance, Pet Assure offers puppy vet plans with a 25% discount on vet’s bills.
A Pet Assurance plan covers a range of conditions and procedures. It's an option for those on a budget or looking to have pre-existing conditions and all medical procedures covered in a policy.
One standard plan is on offer from Pet Assure, depending on where you live and the number of pets you want to add to your policy.
No annual limits.
Pet Assurance plans start from $99 annually. Fees vary according to location and the number of pets on the plan.
Multi-pet discounts are available.
Pre-existing conditions are covered.
A generous 40% multi-pet discount offered.
Only a small amount of vets across the US accept a Pet Assure plan – just over 5,000 vets.
It also has limited customer service as compared to many traditional pet insurers.
Founded in 1995, ASPCA (American Society for the Prevention of Cruelty to Animals) isn't an insurer itself. Instead, it offers puppy insurance through its insurance partners.
Its multi-pet discount means it is a provider best suited to those with many pets in their household.
ASPCA offers two types of insurance policies for your puppy: complete coverage for both accidents and illness, and an accident-only plan.
The policy's cost is dependent on the age, breed and type of policy taken out. Add-on preventative coverage is also available.
$118 per year and above, depending upon reimbursement rate.
Up to $10 000
ASPCA offers a 10% multi-pet discount for each pet added to an insurance policy.
Policies can also cover pre-existing conditions.
The insurance covers a vast network of licensed vets across the US and Canada.
There is no 24/7 customer helpline and no unlimited benefits are offered.
3. Healthy Paws
Healthy Paws offers puppy insurance as well as pet insurance for cats.
Established in 2009, Healthy Paws also runs a non-profit foundation helping animal shelters and pet rescue centres care for and re-home pets.
Their puppy insurance policy covers emergency treatment or illness but not regular care, such as check-ups.
Healthy Paws also offers a wellness policy for general care of your puppy, such as routine appointments or vaccinations.
Fees are dependent on the age, breed, location and type of plan.
Puppy insurance costs start from approximately $15 per month. Prices vary according to the level of reimbursement selected.
No annual limit.
A plan with Healthy Paws covers many conditions, such as alternative care or genetic disorders.
They offer an app, which means users can quickly amend or claim on their policy.
There is no cap on a pay-out should you need to claim on your puppy insurance policy.
Pre-existing conditions aren't covered.
Puppy owners interested in the holistic care of their puppy should consider puppy insurance with Figo.
Alternative treatments such as acupuncture or chiropractic care are covered under a basic policy.
Figo offers three levels of puppy insurance policy: essential, preferred and unlimited.
These come with varying levels of cover from $5000 up to unlimited cover.
A separate wellness plan can be added to the puppy insurance plan.
Start from around $92 per month, depending on policy type and reimbursement level selected.
Start from $10,000 up to unlimited depending on the policy type.
Holistic puppy care and 24/7 virtual vet appointments.
Figo recommends an enrolment exam before taking out a policy, and the cost of this exam is not included in the insurance plan.
Founded in 2005 by a vet, Petsbest offers a well-priced accident-only plan and a 5% multi-pet discount.
It is best suited to those needing a budget-level puppy insurance plan.
Two puppy insurance cover options: accident-only and accident and illness.
With an accident and illness policy, owners can select from three levels of cover: Essential, Plus and Elite.
A wellness plan can also be added on.
Plans are customizable according to deductibles and reimbursement levels.
Fees are dependent on plan type and customization. Basic accident plans start from $9 per month.
From $5,000 to unlimited, depending on the policy type.
Petsbest offers budget level accident-only plans and a 5% multi-pet discount on policies.
There are also typically short waiting times for treatment.
Pre-existing conditions aren't covered under policies.
Policy premiums increase with your pet's age.
24PetWatch has four puppy insurance policies available.
A high maximum annual limit means 24PetWatch is suitable for puppy owners who want to plan for the future.
Four plans are on offer at 24PetWatch: Extra, Classic, Superior and Champion. Each varies in the annual coverage offered.
Fees are from around $340 a year.
24PetWatch's annual limits are from $5,000 to $20,000, depending on plan type.
24PetWatch's Champion plan has a high annual limit.
It has an unlimited network of vets to choose from.
Pre-existing conditions are considered if your puppy is symptom-free 24 months after taking out the policy.
The policy fees can be considered high.
There is also a 10-year pet age limit on the policy.
Best Puppy Insurance Companies in the UK
Dog lovers are found worldwide so, as in the US, there are many puppy insurance companies to consider in the UK.
The list below outlines some of these according to the key factors a puppy owner should consider.
Bought By Many offers puppy insurance as well as insurance for cats.
There is a 15% multi-pet discount on policies, so this insurer is suitable for owners with multiple pets.
Bought By Many offers two types of plan: an accident-only one and an accident and illness one.
Different levels of cover are available, from a Value to a Complete plan. Each plan offers different annual limits.
Around £36 per month depending on the puppy's age and breed, and the policy's type and excess amount.
£3,000 on the Value plan (accident only) to £15,000 on the Complete plan (accident and illness plan)
Bought By Many offers a multi-pet discount on policies.
Its plans cover pre-existing conditions that ended up to two years previously.
Routine check-ups and puppy wellness are not covered under its policies.
The Insurance Emporium offers five different puppy insurance plans. Each plan can be adapted according to your needs.
Insurance Emporium aims to suit all puppy owners with its wide array of plans available.
Insurance Emporium offers:
- Public liability plans
- Accident-only plans
- Time-limited plans
- Maximum benefit plans
- Lifetime plans
Plans differ according to what is covered and how vet fees are to be considered.
Fees are variable by the plan type. Accident-only fees start from approximately £5 (every 28 days).
The Insurance Emporium's pet insurance annual limits are variable by plan, from £3,000 to £15,000.
Optional add-ons can be included.
There is an introductory discount available for the first 12 months as well as multi-pet discounts.
Alternative therapies are included in some plans.
Complicated plan detail may make it difficult to decide which plan is best.
Waggel, launched in 2018, offers one puppy insurance plan with six levels of cover to choose from.
A plan with Waggel suits puppy owners who want a straightforward policy. There is an easy claims process and monthly perks for puppies and their owners.
Waggel simply offers one puppy insurance plan with six levels of cover.
The plan covers cancer, hip issues, dental costsand recurring conditions.
Variable according to the puppy's age, where you live and the level of excess selected (Waggel term this a claim contribution).
These range from £1,000 to £10,000 by the level of cover selected. Limits are placed on specific treatments as part of the plan.
Simple and easy to take out a plan, with a straightforward claims policy.
Waggel offers monthly rewards, such as discounts on food, for both the puppy and owner.
Certain breeds are excluded from cover, as well as pets used for breeding (classed under business) or hunting.
Policies don't cover puppies under eight weeks old.
10. More Than
More Than are an established insurer that offers pet insurance for puppies as well as cats.
There are four different plans to choose from, with varying levels of cover.
More Than suits puppy owners who prefer to manage their plans online and those looking for different plan types from budget to comprehensive cover.
More Than offers four puppy insurance plans: Accident-only, Basic, Classic and Premier.
Each plan differs according to what is covered and the vet fee limits.
Plan fees vary by type of cover and the puppy's age and breed.
The accident-only plan is the lowest cover level plan and is cheaper than the other three, and can be less than £5 a month.
Variable by policy type from £2,500 to £8,000 per year.
More Than offers varying levels of cover, including an accident-only option.
It also offers a multi-pet discount, alongside a 25% online discount for new customers.
It can pay your vet directly subject to vet agreement.
More Than offers at 25% online joining discount for all new customers, meaning after the one year has ended premiums rise.
Puppy insurance with Petplan covers conditions and wellness care as standard that other insurers do not always.
A Petplan policy is suitable for those who want lifetime illness cover or one covering routine care.
Three policies are offered: 12–month cover, Covered for Life Classic and Covered for Life Ultimate.
Policies differ according to duration owners can claim for illnesses and conditions.
Fees are variable by policy type, size, age, breed and the location of the puppy.
Typical fees can be £20 per month for a 12-month cover plan to £60 per month for Cover for Life.
From £3,000 to £12,000 per year depending on the policy.
Owners taking out a puppy insurance policy online receive a 10% discount, alongside a multi-pet discount.
Alternative treatments are covered under policies.
Illnesses that start in the 14-days wait period after a policy is taken out aren't covered.
12. Direct Line
Direct Line offers two types of puppy insurance. These policies are competitively priced, so they suit any puppy owner.
Two types of cover are available from Direct Line: Essential cover (time-limited to 12 months cover per illness or condition) and Advanced cover option (unlimited time).
Prices start from £6 per month for their Essential plan and £11 per month on their Advanced cover plan.
Additional fees are charged if add-ons are included in the puppy insurance policy.
They are variable by policy type from £4,000 to £8,000 per condition per year.
Direct Line has straightforward plan options, with a discount for new clients.
It offers the option to add on extra elements, such as kennel fees or public liability.
While you can add on and pay for extras to your policy, some insurers provide these as standard.
Taking out puppy insurance gives you peace of mind and means that you don't need to worry about high vet fees should the unexpected happen.
There are lots of puppy insurance providers on the market. Shopping around and looking at the finer detail of each policy means you find a policy that meets yours and your puppies needs and your monthly budget.