We love small dogs! From funny-faced
Pugs to spunky
Chihuahuas, small pups
capture our hearts and tickle our funny bones, but they also have more than their
fair share of health issues.
Selective breeding to make dogs smaller and smaller has caused
many health conditions in these tiny pooches, such as dental issues as teeth
don’t always fit in tiny mouths,
brachycephalic
syndrome with those pawdorable squished in noses that makes it hard to for
pups to breathe, and tracheal collapse. They can also be susceptible to
inherited and joint specific diseases, such as
intervertebral
disc disease, patellar luxation and
Legg-Calve-Perthes
disease.
Wondering which pet insurance providers offer the best plans
for your tiny pup? Check out our top picks for the best pet insurance for small
dogs.
Our top picks for health insurance for small dogs
- Best wellness add-ons: Embrace
- Best dental coverage: Pets Best
- Most affordable monthly premium: Many Pets
- Most customization options: Trusted Pals
- Most comprehensive coverage: Nationwide
Embrace offers an accident only, and an accident and illness
plan that covers a wide variety of conditions, and even has an add-on to cover
wellness extras, like 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 between curable
and uncurable conditions to provide more coverage than most pet insurance
companies.
Why Embrace is a great choice for small dog insurance
- Covers dental conditions, and wellness plan includes dental
cleanings
- Deductible reduces by $50 each year if claim reimbursement
isn’t used the previous year
- Accidents only have a 2-day waiting period for coverage
What’s covered?
- Accidents
- Illnesses
- 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
- Parasites
- Osteosarcoma
- Acupuncture
- Laser therapy
- Prosthetics and mobility aids
Deductibles
Coverage limits
- $5,000 per year
- $8,000 per year
- $10,000 per year
- $15,000 per year
- $30,000 per year
Reimbursement rates
Waiting period
- Accidents: 48 hours
- Illnesses: 14 days
Monthly premium: $30 to $40 on average.
Add-on options
Wellness Rewards covers routine exams, dental cleanings, grooming,
spay/neuter procedures, training, and even flea, tick and heartworm preventatives.
Insure your small dog as soon as "pawssible" for maximum protection.
Most pet insurance companies don’t cover pre-existing conditions. To avoid high veterinary care costs, secure pet health insurance today and save up to $273 each year.
Offering the best in dental coverage, this premiere pet
insurance also has no upper age limits, meaning your small dog is at the same
level of coverage as they age. Behavioral consults and medication coverage, and
even reimbursement for euthanasia, make Pets Best a wonderful option for pet
parents in need. Choose from an Accident Only or Accident and Illness plan, and
get routine care covered with wellness add-ons.
Why Pets Best is a great choice for small dog insurance
- Great coverage for dental injury, disease and other
conditions
- Can pay veterinarian directly
- Wellness plans available that cover most routine services,
including routine and dental exams
What’s covered?
- Accidents
- Illnesses
- 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
Waiting period
- Accidents: 14 days
- Illnesses: 3 days
- Cruciate ligament conditions: 6 months
Monthly premium: $45 on average.
Add-on options
For help covering routine care, the EssentialWellness or
BestWellness add-ons includes coverage for blood tests, fecal tests, heartworm,
flea and tick prevention, vaccinations, dental cleanings, deworming,
microchips and even spay/neuters.
Many Pets is new to the pet insurance game, but with low
deductibles, coverage for a wide variety of conditions, and the ability to get
100% of your bills paid for, you and your little pup will be ready for whatever
comes. For small breeds, they cover pre-existing conditions, hereditary and
congenital conditions, and dental conditions, and even include holistic
therapies and supplements for bones, joint, anxiety and more!
Why Many Pets is a great choice for small dog insurance
- Covers pre-existing conditions when free of symptoms and
treatments for 18 months
- Offers 100% cost reimbursement
- Dental cleanings, routine exams and specialty care means
your little pooch stays healthy
What’s covered?
- Accidents
- Poisoning
- Surgery
- Hospitalizations
- Diagnostic exams and testing
- Imaging
- Illness
- Cancer
- Infections
- Dental injuries
- Knee surgery
- Prescription medication
- Pre-existing conditions
- Specialty care
- Rehabilitation
- Chiropractic
treatment
- Acupuncture
- Hereditary and congenital conditions
Deductibles
Coverage limits
Reimbursement rates
Waiting period
- Accidents: 15 days
- Illnesses: 15 days
- Accident and Illness after switching from another pet
insurer: 24 hours
Monthly premium: $20 to $35 on average
Add-on options
A wellness plan adds on coverage for routine exams, vaccinations,
flea, tick and heartworm prevention and dental cleanings. It will also reimburse
you for holistic supplements and treatments for bones, joints, skin and coat,
and even stress and anxiety!
TrustedPals is a great choice for insuring small dogs as
they cover a lot of hereditary and chronic conditions that these tiny pooches
can suffer from. Plus, the wellness add-on covers dental cleanings, which can
spot dental issues before they become a serious problem. Many small dogs develop
behavioral issues, and this pet insurance also covers prescribed training and
treatments for many behaviors right in their base plan.
Why TrustedPals
is a great choice for small dog insurance
- Offers 100% cost
reimbursement and $0 deductible
- Service dogs, and
veterans, military, veterinary workers and first responders get a 5% discount
- Coverage includes
dental and behavioral issues
What’s covered?
- Accidents
- Injuries
- Illnesses
- Diagnostic exams and
testing
- Prescription medications
- Prescribed pet food
or supplements
- Surgery
- Chronic conditions
- Hereditary conditions
- Alternative and
holistic treatments
- Behavioral training,
treatments and therapies
- Euthanasia
- Cremation or burial
Deductibles
Coverage limits
- $4,000
- $8,000
- $15,000
- Unlimited
Reimbursement
rates
Waiting period
- Accidents: 14 days
- Injuries: 14 days
- Hip dysplasia: 12
months
- Cruciate ligament:
12 months
Monthly premium: $25 to $70 on average
Add-on options
By adding on a
Wellness Plan, you’ll get a set amount for covering routine exams,
vaccinations, heartworm testing and prevention, flea and tick prevention, supplements,
spay/neuter procedures, and dental cleanings.
Offering 5 main medical plans, and a wellness add-on,
everything your small pup needs is covered. Not only do you get great injury
and illness coverage, but also dental cleanings and treatments, hereditary
conditions, and even eye problems covered. A set deductible can still cover up
to 90% of your medical costs, including exam fees, vaccinations, and more.
Why Nationwide is a great choice for small dog insurance
- Multiple plans available to fit all your dog’s needs
- Preferred pricing on prescriptions at select pharmacies
- Access to dental and eye 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
Coverage limits
- $400 per policy period
- $10,000 annually
- Unlimited
Reimbursement rates
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.