Best Dog Insurance: 2025 Rankings & Comparison (updated Q2)

Compare the best dog insurance providers at a glance. Filter by dog type, expand rows for insurance attributes like coverage, pre-existing conditions, claims, price, support, and click “Get My Quote” to see real pricing for your dog’s breed, age, and location.

Full scoring details are below.

How We Score the Best Dog Insurance Plans

Each provider receives an overall score out of 100 based on real plan features and buyer-important factors:

Key Factors in Dog Insurance Evaluation

• Coverage (45%): Evaluates what’s actually included and excluded in a dog insurance policy, including accidents, illnesses, hereditary and breed-related conditions, exam fees, and limits.

• Pre-Existing Conditions (20%): Assesses how a company handles look-back periods, waiting periods, exclusions, and any pathways to reinstatement.

• Claims & Payments (15%): Measures average claim approval speed, payout consistency, and reimbursement reliability.

• Affordability (12%): Analyzes typical monthly costs across common breeds and ages relative to benefits provided.

• Customer Support (8%): Reviews access to help (live chat, phone, app), clarity of policy documents, and overall owner satisfaction.

Our insurance ratings are grounded in verified data.

The Dog Insurance Coverage Matrix — 2025 Edition details the coverage analysis that makes up 45% of each plan’s score. 👇

Dog_Insurance_Coverage_Matrix_2025_PetTop10.pdf

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