Best Pet Insurance for Puppies

Who doesn’t love a puppy? But those pawdorable faces and tiny paws are expensive! Their first year is filled with vet visits, vaccinations, parasite control and usually a spay or neuter procedure, and that’s without anything unforeseen happening.

Puppies are highly susceptible to infections like parvo, kennel cough and gastroenteritis, and since they put everything in their mouths, they can easily contract parasites or get an object stuck. They can also easily break bones, develop hypoglycemia, and even experience fears and behavioral issues as they grow.

Finding a good pet insurance provider can keep your puppy covered no matter what happens during their first year, and beyond. Check out our top picks for the best pet insurance for puppies to find the right match for your tiny wolf.

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

With an accident only, and an accident and illness plan, Embrace covers a lot of things that can happen to your pup, such as injuries and infections. Adding on wellness extras can cover vaccinations, parasite control, and even training! With special considerations for pre-disposed conditions, Embrace stands out as an overall fantastic pet insurance to keep your puppy healthy as they age too.

Why Embrace is a great choice for puppy insurance

• Wellness add-on covers training, routine exams, and spay/neuter
• Plan coverage includes treatments for parasites, parvo and other illnesses puppies are susceptible to
• Coverage for accidents only has a 2-day waiting period

What’s covered?

• Dental illness
• 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
• Parvovirus
• Parasites
• Osteosarcoma
• Laser therapy
• Prosthetics and mobility aids

Deductibles

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

Coverage limits

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

Reimbursement rates

• 70%
• 80%
• 90%

Waiting period

• Accidents: 48 hours
• Illnesses: 14 days

Monthly premium: $30 to $40 on average.

Add-on options

The optional Wellness Rewards covers wellness exams, spay/neuter procedures, dental cleanings, grooming, flea, tick and heartworm preventatives, microchips, and even training. But that’s not all! Your puppy will also be covered for fecal and blood tests, supplements and prescription foods, wearable pet monitors, alternative care including reiki, acupuncture, chiropractic care and massage therapy, cremation and burial for end of life, and even OFA testing.

For puppies, Pets Best is a great choice as their base plan covers a lot of things that can happen, including congenital and hereditary conditions, poisoning, and dental injuries. It also covers behavioral consultations to help get troubled pups back on the right track. And if you opt for an add-on, you’ll get covered for everything else a growing pup needs, like deworming, vaccinations, and even microchips.

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

• Comprehensive coverage for puppies that can benefit them into adulthood
• Many choices for deductibles and coverage amounts
• Accidents are covered within 3 days

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 puppy, and their lowest deductible is just $100! An Accident-Only Plan and an Accident and Illness Plan cover most of the basics, along with a whole lot not covered by many other pet insurance companies. Adding the Preventative Care add-on makes this pet insurance complete with coverage for vaccinations, spay/neuter and more. Plus, you’ll get routine exams covered, a must have with a puppy on board.  

Why Spot Pet Health is a great choice for puppy insurance

• Many choices in annual payout limits and deductibles to fit all budgets
• Routine exams and wellness care that puppies need can be added to either plan
• Covers a wide range of conditions in your growing pup

What’s covered?

• Accidents
• Diagnostic exams and testing
• Swallowed foreign objects
• Poisonings
• 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

You’ll want the Preventative Care option to have coverage for routine exams, dental cleanings, deworming, flea and heartworm preventatives, spay/neuter, and blood and fecal tests to keep your pup healthy.

With 3 main plans, Prudent Pet covers almost anything your puppy needs. Accident Only covers the basics of accidents and injuries, including swallowed objects, while the Essential plan adds coverage for birth defects, digestive illness, hereditary conditions and behavioral disorders. Getting the Ultimate plan means you’ll have no annual benefit limit, and help with a loss or death of your pet.

Why Prudent Pet is a great choice for puppy insurance

• Wide range of conditions covered
• Low deductible and unlimited reimbursement available
• Vaccinations, spay/neuter and microchips are covered with Wellness add-on

What’s covered?

• Accidents
• Illnesses
• Hospitalization
• Swallowed objects
• Cancer
• Birth defects and abnormalities
• Hereditary conditions
• Hip dysplasia
• Urinary infections
• Eye, ear and skin conditions
• Behavioral disorders
• Alternative therapies
• Prescription medications
• Boarding fees
• Vacation cancellation
• Pet loss
• Death

Deductibles

• $100
• $250
• $500
• $1,000

Coverage limits

• $10,000
• Unlimited

Reimbursement rates

• 70%
• 80%
• 90%

Waiting period

• Accident: 5 days
• Illness: 14 days
• Knee and ligament conditions: 6 months

Monthly premium: $20 to $50 on average.

Add-on options

Prudent Pet offers two add-ons. The Veterinary Exam Fee covers exam fess associated with an illness or accident. Getting the Wellness Coverage is pawfect for puppies, and it comes in Low, Medium and High levels of coverage. This add-on can help pay for routine, annual exams, as well as deworming, heartworm, fecal and blood tests, microchips, dental cleaning, spay/neuter and vaccinations.

Not only is Nationwide one of the most pupular insurance providers out there, but they are also the most comprehensive, covering many conditions from birth to death. With 5 main medical plans, and a wellness add-on, you are covered for essentials like vaccinations and routine care, to dental cleanings and treatments, to hereditary and congenital conditions, and everything in between. This is an insurance that your puppy can grow with.

Why Nationwide is a great choice for puppy insurance

• Covers conditions affecting birth through adulthood
• Preferred pricing on prescriptions at select pharmacies
• Main plans cover exam fees for accidents and illnesses, while wellness add-on pays for routine exams

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
• Unlimited

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

Adding Pet Wellness to any plan means coverage for routine wellness exams and testing, vaccinations, and flea, tick and heartworm preventions to keep your pup healthy.

Paying for veterinary care out of pocket for your puppy can become 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.