Best Pet Insurance for Medium-Size Dogs

Dogs love to have a good time. But whether their natural sense of exploration gets them into a tough spot, or they get sick, there are moments when every dog needs medical care.

Medium-sized dogs are the most populous dogs in the world, but whether they are purebred or mixed, they can still be susceptible to accidents, illnesses, dental disease, and even hereditary issues such as hip dysplasia, patellar luxation, heart disease and even cancers!

While you can’t predict the future, you can ensure your dog has access to quality care when they need it most with pet insurance. Want to know which providers offer the best pet insurance for your medium-sized dog? Read on to see our top picks!

• Best wellness add-ons: Figo
• Best dental coverage: Pets Best
• Most affordable monthly premium: Spot Pet Health
• Most customization options: Embrace
• Most comprehensive coverage: Nationwide

Figo is a great overall plan for dogs, as they cover a wide range of conditions along with accidents and injuries under 3 different plans. Base plans even cover holistic treatments, and wellness add-ons are available to cover preventative care and more! Plus, with competitive reimbursements that can cover all of your medical costs, its easy to see why Figo is a no-brainer.

Why Figo is a great choice for medium-sized dog insurance

• Pet parents can choose a 100% reimbursement plan
• Several choices for wellness coverage are available
• Wide variety of illnesses and conditions covered, including hereditary

What’s covered?

• Accidents
• Cancer
• Surgery
• Knee conditions
• Hip dysplasia
• Diagnostic testing
• Imaging
• Dental injuries and illness
• Prescription medications
• Prosthetics and orthopedics
• Chronic conditions
• Emergency services
• Hospitalization
• Veterinary specialists
• Acupuncture
  
• Chiropractic treatments

Deductibles

• Ranges by age from $100 to $750

Coverage limits

• $5,000 per year
• $10,000 per year
• Unlimited

Reimbursement rates

• 70%
• 80%
• 90%
• 100%

Waiting period

• Accidents: 3 days
• Illnesses: 14 days

Monthly premium: $38 to $45 on average

Add-on options

Figo offers 3 add-ons: Wellness covers exams, vaccines and routine care, Veterinary Exam Fees for Accident and Illness Visits covers those exam fees that aren’t by most other pet insurance companies, and Extra Care Pack goes the extra mile to cover fees associated with burial and cremation, advertising or awards for lost pets, boarding fees, and vacation cancellations due to an animal emergency.

With great dental coverage, no upper age limits, behavioral consults and medication coverage, and even reimbursement for euthanasia, Pets Best is a wonderful option with lots of added benefits for pet parents in need. With Accident Only and Accident and Illness plans, along with wellness add-ons, this is one of the most comprehensive pet insurances out there.

Why Pets Best is a great choice for medium-sized dog insurance

• No age limit, and no reduction or canceled coverage for older pets
• Can pay veterinarian directly
• Many choices for deductibles and coverage amounts

What’s covered?

• Poisoning
• Broken bones
• Diabetes
• Arthritis
• Cancer treatments
• Emergency care
• Hospitalization
• Surgery
• Chronic conditions
• Hereditary and congenital conditions
• Diagnostic testing
• Periodontal disease
• Dental exams
• Dental injuries
• Dental procedures such as tooth extractions, cysts, enamel hypoplasia and unerupted teeth
• Exam fees
• Prescription medications
• Behavioral consultations
• Acupuncture
• Chiropractic treatments
• Physical rehabilitation
• Euthanasia

Deductibles

• $50
• $100
• $200
• $250
• $500
• $1,000

Coverage limits

• $2,500
• $5,000
• $10,000
• Unlimited

Reimbursement rates

• 70%
• 80%
• 90%

Waiting period

• Accidents: 14 days
• Illnesses: 3 days
• Cruciate ligament conditions: 6 months

Monthly premium: $45 on average.

Add-on options

Additional coverage with the EssentialWellness or BestWellness add-ons includes for blood tests, fecal tests, heartworm, flea and tick prevention, vaccinations, dental cleanings, deworming, microchips and even spay/neuters.

Spot Pet Health covers a lot that could happen to your dog, and offers some of the lowest deductibles available. Offering an Accident-Only Plan and an Accident and Illness Plan, the Preventative Care add-on makes this pet insurance complete. With multiple alternative therapies alongside hereditary conditions, dental and wellness coverage, Spot is a great fit for any dog. Plus, Spot even covers some curable pre-existing conditions too.

Why Spot Pet Health is a great choice for medium-sized dog insurance

• Lots of choices in annual payout limits and deductibles to fit all budgets
• Lowest deductible on the market
• Covers a wide range of conditions

What’s covered?

• Accidents
• Diagnostic exams and testing
• Swallowed foreign objects
• Poisoning
• Illnesses
• Arthritis
• Hypothyroidism
• Cancer
• Hereditary conditions
• Hip dysplasia
• Eye disorders
• Heart disease
• Chronic conditions
• Behavioral therapy
• Prescription medications
• Surgery
• Hospitalizations
• Dental conditions
• Acupuncture
• Chiropractic care
• Hydrotherapy
• Laser therapy
• Microchips
• Stem cell therapy
• End of life costs

Deductibles

• $100
• $250
• $500
• $750
• $1,000

Coverage limits

• $2,500
• $4,000
• $5,000
• $7,000
• $10,000
• $15,000
• $20,000
• Unlimited

Reimbursement rates

• 70%
• 80%
• 90%

Waiting period

• Accidents: 14 days
• Illnesses: 14 days

Monthly premium: $15 to $70 on average.

Add-on options

The Preventative Care option adds coverage for routine exams, dental cleanings, deworming, flea and heartworm preventatives, spay/neuter, and blood and fecal tests.

Embrace offers an Accident Only or an Accident and Illness plan that covers a wide variety of conditons, as well as a wellness add-on that even covers wellness exams, grooming and training. Embrace is also incredibly special in that they only review the last 12 months of your dog's medical history to determine pre-existing conditions, and differentiate curable from non-curable conditions to provide more coverage than most pet insurance companies.

Why Embrace is a great choice for medium-sized dog insurance

• Covers curable pre-existing conditions
• Reduces deductible the next year by $50 if claim reimbursement isn’t used
• Accidents only have a 2-day waiting period for coverage

What’s covered?

• Dental conditions
• Allergies
• Arthritis
• Broken bones and ligament tears
• Diabetes
• Emergency care
• Diagnostic exams and testing
• Hospitalization and follow-up care
• Surgery
• Specialty care, including behavioral
• Prescription medications
• Hip dysplasia
• Intervertebral disc disease
• Cancer
• Lyme disease
• Parasites
• Osteosarcoma
• Acupuncture
• Laser therapy
• Prosthetics and mobility aids

Deductibles

• $100
• $200
• $300
• $500
• $750
• $1,000

Coverage limits

• $5,000 per year
• $8,000 per year
• $10,000 per year
• $15,000 per year
• $30,000 per year

Reimbursement rates

• 70%
• 80%
• 90%

Waiting period

• Accidents: 48 hours
• Illnesses: 14 days

Monthly premium: $30 to $40 on average.

Add-on options

Wellness Rewards is an optional addition that can cover routine exams, grooming, spay/neuter procedures, dental cleanings, flea, tick and heartworm preventatives, and even training. 

With 5 main medical plans, including wellness, there isn’t much this pupular insurance doesn’t cover! Hereditary joint conditions? Covered! Dental and eye conditions? Covered! Got multiple pets? Nationwide offers a discount for each pet, and even offers an Avian and Exotic Plan for your other critters. And unlike most pet insurance companies, Nationwide even covers caesarian sections.

Why Nationwide is a great choice for medium-sized dog insurance

• Multiple plans available to fit all your dog’s needs
• Preferred pricing on prescriptions at select pharmacies
• Coverage for routine exams and preventative care

What’s covered?

• Accidents
• Illnesses
• Injuries
• Diagnostic exams, tests and imaging
• Prescription medications
• Surgery
• Hospitalization
• Chronic conditions
• Cancer
• Allergic reactions
• Arthritis
• Collapsed trachea
• Eye conditions
• Degenerative disc disease
• Deworming
• Diabetes
• Infections
• Dental cleanings
• Gingivitis
• Dental growths, injuries or tooth removal
• Parasite treatment
• Hip dysplasia
• Lyme disease
• Microchip
• Poisoning
• Various hereditary and congenital conditions
• Various joint conditions
• Acupuncture
• Chiropractic treatments
• Laser therapy
• Caesarean section

Deductibles

• $250

Coverage limits

• $400 per policy period
• $10,000 annually

Reimbursement rates

• 50%
• 70%
• 90%

Waiting period

• Accidents: 14 days
• Illnesses: 14 days
• Cruciate ligament: 12 months

Monthly premium: $25 to $87 on average

Add-on options

The Pet Wellness add-on helps cover routine wellness exams and testing, vaccinations, and flea, tick and heartworm preventions.

Paying for veterinary care out of pocket can be a major financial burden. Fortunately, many pet insurance companies reimburse claims within days, putting up to 90% of the bill back in your pocket. In the market for pet insurance? Compare leading pet insurance companies to find the right plan for your pet.