Dog Insurance

Tail wags for life.

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Chihuahua who ate the remote

According to Petplan claims data, every six seconds a pet parent is faced with a vet bill for more than $1,000.

What is dog or puppy health insurance?

We know you consider dogs part of the family and want everyone safe and sound. If they get sick or injured, dog insurance helps pay the vet bill. Our tooth-to-tail protection means Petplan is there from when they're a small puppy to their senior years and beyond.

Pug that ate a bee

How pet health insurance works

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1. Visit any vet

Keep your vet or select a new one, including a specialist.

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2. File your claim

Take photos of important documents and submit claims.

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3. Get reimbursed

Once approved, payments will be processed the next business day.

Cost of pet insurance for dogs

Dog insurance costs will vary depending on several factors, but all dogs six weeks and older are welcome to join Petplan. We understand that dogs have unique needs, which is why cater to them through flexible reimbursement options. The following factors go into determining your pet insurance cost:

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Your dog’s age

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Annual coverage

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Your dog’s breed

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Reimbursement level

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Where you live

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Annual deductible

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Smiling black french bulldog with a vet cone on

Debbie & Diego

Diego was saved from intervertebral disc disease, Debbie from the $5,616 vet bill.

Diego's vet bill

Vet bill


Debbie paid


Petplan paid



Alex & Frankie

Frankie was saved from a swallowed bone, Alex from the $1,193 vet bill.

Frankie's vet bill

Vet bill


Alex paid


Petplan paid


Pug with drawing of a bone he accidentally swallowed

Why Petplan dog health insurance? 

Coverage for COVID-19

Petplan covers viruses like COVID-19 in dogs and reimburses up to $1,000 for online vet visits with no copay or deductible needed. We also cover boarding fees should you be hospitalized for four or more days.

Puppies protected

Some providers limit enrollment for dogs of a certain age, but Petplan protects as early as 6 weeks with no age limit. All breeds are also covered for hereditary or chronic conditions, like hip dysplasia or cancer.

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Dog parents love us
(almost as much as their dogs)

Eve R.

Joy the Mini-Aussie

Eve R.

Much to my delight, Petplan covered two telemedicine visits for my Mini-Aussie this spring. My state is under a "stay at home" order and telemedicine allowed me to continue rehab with my vet. And, on her recommendation, we sent ultrasound images across the country to a specialist for a second opinion–which Petplan paid for in full!  Petplan has been wonderful covering things as I've worked toward a diagnosis and treatment plan over the last 6 months. They also paid for telemedicine when I couldn't get my dog to the vet because of Covid-19. I'm really happy with my choice of Petplan!

Mally S.

Sydney the Pit Bull

Mally S.

As a retired vet tech who worked in an emergency vet hospital, I always knew I would cover my pets with insurance. One day, Sydney was pawing at his face and doing weird things with his mouth. I thought he was chewing on something so I looked inside and saw the top third of his tooth was missing. At first the chipped tooth didn’t seem to bother him, but I took him to the vet just to be sure. It turned out that he needed to see a dental specialist and have a root canal to prevent health issues. A lot of pet parents hope that they don’t have these expenses, but you want to be prepared.

What does dog insurance cover?


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Accidental injuries & illnesses

Petplan provides coverage for the reimbursement of veterinary fees due to injury and illness—including coverage for hereditary and chronic conditions as standard.

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Diagnostic tests

Laboratory and diagnostic testing—including specialized chemistry and blood work—are covered if they are part of treating or diagnosing a coverable injury or illness.

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Veterinary exam fees

The cost of any exam conducted by a licensed veterinarian—including emergency and specialty vets—to treat or diagnose an ill or injured pet.

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Prescription medications

Medications prescribed by your veterinarian as a treatment for an illness or accident are covered, including nutraceuticals. Vitamins and preventives are not covered.

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Imaging & ultrasound

Imaging deemed medically necessary by a licensed veterinarian to help diagnose or treat your pet, including MRI costs. CAT scans and ultrasounds are covered.

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Cancer treatments

Petplan is proud to offer coverage for veterinary oncology care and cancer treatments such as chemotherapy and radiotherapy.

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Non-routine dental treatments

Petplan will cover non-routine dental treatments such as broken teeth or periodontal disease provided your pet's teeth have been checked by a vet within 12 months of your policy's effective date of coverage and any recommended treatment was carried out.

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Surgery & rehabilitation

Any surgical procedures or rehabilitation prescribed by a licensed veterinarian as part of a treatment protocol and performed at a veterinary facility.

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Holistic therapies

Holistic therapies—such as veterinary acupuncture, homeopathic therapy and chiropractic treatment—are covered, provided the treatment is recommended and administered by a licensed vet.

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Referral & specialist treatment

All specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology are covered.

Not Covered

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Routine & wellness care

Unlike a wellness plan which covers routine care such as teeth cleaning, neutering/spaying and vaccinations, dog insurance pays you back for the unexpected care needed for injuries and illnesses.

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Preventive care

Any treatment, service or procedure, including but not limited to physical examinations, medications, surgeries, inoculations or laboratory procedures for the purpose of prevention of illness or injury or for the promotion of general health, where there has been no injury or illness.

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Pre-existing conditions

Like all pet insurance providers, Petplan cannot cover a medical condition which first occurred or showed clinical sign or symptoms before the effective date of your policy or during the policy waiting period.

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Cosmetic procedures

Elective or specialty procedures, including but not limited to tail docking, dewclaw removal, eyelash removal, ear cropping, spaying or neutering elective gastroplexy and more, unless requested by a veterinarian to treat a covered injury or illness.

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Liability coverage

Any costs associated with an injury to a person or property damage caused by a pet.

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Pet parents get itSM

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