Best Puppy Health Insurance Companies

Best Puppy Health Insurance Companies

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


  • 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
  • Limited customer service

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.

Cover Options

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.

Annual Limits

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.

Visit Pet Assure



  • 10% multi-pet discount
  • Policies can cover pre-existing conditions
  • Covers a vast network of licensed vets across the US and Canada


  • No 24/7 customer helpline
  • No unlimited benefits

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.

Cover Options

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.

Annual Limit

Up to $10 000.


3. Healthy Paws


  • Covers many conditions, such as alternative care or genetic disorders
  • An app is available, which means users can quickly amend or claim on their policy
  • No cap on a pay-out


  • Pre-existing conditions aren't covered

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.

Cover Options

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.

Annual Limit

No annual limit.

Visit Healthy Paws

4. Figo


  • Holistic puppy care
  • 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

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.

Cover Options

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.

Annual Limits

Start from $10,000 up to unlimited depending on the policy type.

Visit Figo

5. Petsbest


  • Budget-level accident-only plans
  • A 5% multi-pet discount
  • Short waiting times for treatment


  • Pre-existing conditions aren't covered
  • Policy premiums increase with your pet's age

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.

Cover Options

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.

Annual Limits

From $5,000 to unlimited, depending on the policy type.

Visit Petsbest

6. 24PetWatch


  • Champion plan has a high annual limit
  • 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
  • 10-year pet age limit on the policy

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.

Cover Options

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.

Annual Limits

24PetWatch's annual limits are from 5,000to5,000 to 20,000, depending on plan type.

Visit 24PetWatch

Best Puppy Health Insurance Companies in US and UK
Best Puppy Health Insurance Companies in US and UK

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.

7. Bought By Many


  • Multi-pet discount
  • Cover for pre-existing conditions that ended up to two years previously


  • Routine check-ups and puppy wellness are not covered

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.

Cover Options

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.

Annual Limits

£3,000 on the Value plan (accident only) to £15,000 on the Complete plan (accident and illness plan).

Visit Bought By Many

8. The Insurance Emporium


  • Optional add-ons can be included
  • Introductory discount available for the first 12 months
  • Multi-pet discounts
  • Alternative therapies are included in some plans


  • Complicated plan detail may make it difficult to decide which plan is best

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.

Cover Options

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).

Annual Limits

The Insurance Emporium's pet insurance annual limits are variable by plan, from £3,000 to £15,000.

Visit The Insurance Emporium

9. Waggel


  • Simple and easy to take out a plan
  • Straightforward claims policy
  • 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

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.

Cover Options

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).

Annual Limits

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.

Visit Waggel

10. More Than


  • Varying levels of cover, including an accident-only option
  • Multi-pet discount
  • 25% online discount for new customers
  • Can pay your vet directly subject to vet agreement


  • After one year premiums rise

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.

Cover Options

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.

Annual Limits

Variable by policy type from £2,500 to £8,000 per year.

Visit More Than

11. Petplan


  • 10% online discount
  • Multi-pet discount
  • Alternative treatments are covered


  • Illnesses that start in the 14-day wait period after a policy is taken out aren't covered

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.

Cover Options

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.

Annual Limits

From £3,000 to £12,000 per year depending on the policy.

Visit Petplan

12. Direct Line


  • Straightforward plan options
  • Discount for new clients
  • 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

Direct Line offers two types of puppy insurance. These policies are competitively priced, so they suit any puppy owner.

Cover Options

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.

Annual Limits

They are variable by policy type from £4,000 to £8,000 per condition per year.

Visit Direct Line

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:

  • Accidents
  • Illness
  • 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.

Frequently Asked Questions

There is a range of different policy options available for puppy owners. You must always choose the one that best meets the needs of your pet.

The cheapest puppy insurance policy is not always the best choice, because lower monthly premiums normally mean higher out-of-pocket fees when making a claim.

Puppies are curious and take a long time to be trained, so the chances of accident or injury tend to be high. A trip to the vet could end up being very costly, so arranging puppy insurance is good for peace of mind.

Choosing a policy with third liability cover means that you will be covered if your puppy causes damage or harm to a person or their property.

When buying a policy, you will need to provide information on your puppy, including their age, breed and where you live. It is important to obtain a few different puppy insurance quotes before making your choice.

Puppy insurance will offer you peace of mind if your puppy is ill, injured or causes damage to another person or their property.

By paying a set annual or monthly premium, you will know exactly what is covered and how much you will need to spend in the event of a claim.

One disadvantage is that you will sometimes have to pay the bill yourself in the first instance, before claiming a proportion of the money back from the insurance provider. This might cause problems if the bill is very expensive.

Some insurance companies are slow to process claims, so try to choose one that accepts online or telephone claims. Some insurance providers will pay out at the point of service, so choose one that offers this if finances are tight.

Some puppy owners prefer to pay money into a dedicated savings account instead of buying puppy insurance.

With so many different options available, it is important to find a puppy insurance policy that is suitable for you and your pet.

Think about the level of insurance cover you need, how much you could afford to pay for out-of-pocket expenses, the process for making a claim and your puppy’s breed.

If your puppy is a thoroughbred, you will probably need a more expensive policy than if you have a non-pedigree dog.

Lifetime cover is the most comprehensive puppy insurance option. In the US, reputable puppy insurance companies include Pet Assure, ASPCA and Healthy Paws. In the UK, reputable puppy insurance companies include Direct Line, Waggel and PetPlan.

The cost of insurance for puppies can vary significantly depending on your dog and chosen cover level.

In the US, you will probably need to pay between 30and30 and 50 per month. However, some puppy owners pay more than $100 per month for insurance cover.

In the UK, a puppy insurance policy to cover accidents and illnesses will probably cost about £20 each month. If you would prefer to buy a lifetime policy in the UK, this will cost you at least £25 each month.

Puppy insurance is not essential, but it is sensible to buy it. Puppies can be very curious and mischievous, so they might be more likely to be injured or cause damage than an older dog.

Having a puppy insurance policy in place means you should be able to afford to take care of them if they are unwell or injured.

If you do not purchase puppy insurance, it is wise to put some money to one side every month to cover any future puppy-related expenses.

Depending on your provider, you might be expected to settle outstanding vet bills in the event of a claim.

After your claim is processed, your insurance provider will reimburse you. This usually happens within two weeks.

The amount of money that you receive will depend on the terms of your insurance policies. Some of the more comprehensive policies will pay the bill directly, although choosing one of these policies will probably mean a higher premium.

Each puppy insurance policy is different. You must always read through the terms and conditions of the policy you choose.

If you choose an accident and injury policy, this will usually cover things like emergency care, diagnostic testing, cancer treatment and euthanasia. However, it is unlikely to cover preventative procedures or routine care, such as spaying, neutering or vaccinations. If you choose a policy with third-party liability cover, this means you are covered for claims against harm or damage caused by your puppy.

As a responsible puppy owner, you should always consider how you will pay any bills associated with your pet. Puppies can be very curious during the first few years of life, so they may be more likely to sustain an injury or cause damage than an older dog.

Arranging puppy insurance will provide peace of mind if your puppy is unwell, injured or causes damage to another person or their property.

If you do not have insurance, claims can be very expensive, so you need to think about whether you can afford not to buy insurance.

When shopping for puppy insurance, you must always consider several different options for cover. The most expensive options usually offer the highest annual claim limits and most comprehensive policy extras.

If your puppy is a pedigree breed, or one that is likely to suffer from hereditary health issues, a higher level of cover is the best option.

Think about how much you would be able to afford to pay in excess in the event of a claim. A higher excess usually means lower annual or monthly premiums.

Find out about the process for making claims – choosing one that supports telephone or online claims is likely to be more efficient than a provider that only processes postal claims.

The monthly cost of puppy insurance varies widely. The monthly premium is based on your puppy and chosen level of cover.

In the US, you can expect to pay at least 30permonth,althoughsomepeoplepayover30 per month, although some people pay over 100 per month to insure their puppy.

In the UK, puppy insurance to cover accidents and illnesses is likely to cost in the region of £20 per month. For a lifetime policy in the UK, you can expect to pay a minimum monthly premium of £25.

It is possible to buy cheap puppy insurance from many different pet insurance companies. However, the cheapest puppy insurance is not always the best option.

It is important to make sure that your chosen insurance policy is suitable for your needs before making a financial commitment.

An accident-only policy will probably be fairly cheap, but it will only provide cover for emergency treatment as a result of an injury. You should always read through the terms and conditions before buying puppy insurance.

Puppy insurance provides peace of mind when a dog is ill, injured or causes damage or harm to a person or their property.

Dog insurance policyholders are required to pay a monthly or annual premium in exchange for insurance cover. There is a range of policy options to choose from, depending on your circumstances.

The most basic insurance cover is an accident-only policy – this provides cover for emergency treatment if your dog sustains an injury.

The most comprehensive option is lifetime cover. With this type of policy, you can claim for new health conditions up to an agreed maximum. The maximum limit resets each year.

Final Thoughts

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.

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