Best Pet Insurance for Puppies

Pet Insurance for Puppies

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Even if you are an experienced pet parent, you should expect the unexpected. No matter how much we take care of our furry four-legged friends, we cannot prevent some injuries and illnesses and provide them the proper care as owners.

We know – budget-draining veterinary bills can cause headaches. That’s why we’re here. 

Pet insurance gives you peace and financial security in emergency cases, regardless of your budget. There are plenty of available pet insurance plans, but it can be challenging to choose comprehensive coverage that meets all your needs. 

And with all providers out there, it is fair to do a proper comparison, price-, service-, and offer-wise, so you can pick a better pet insurer.

We did just that below and reviewed some of the leading pet insurance companies providing the best pet insurance for puppies parents in 2022.

Best Pet Insurance for a Puppy: A Comparison

Cost per Month
Age Limit
Lemonade Pet Insurance
$5,000 to $100,000
$100 to $500
14 year old
View Plans
Embrace pet insurance
$5,000 to $30,000
$200 to $1,000
14 years old (accident and illness)
15+ eligible for accident-only
View Plans
Spot Insurance for Pets
$2,500 to unlimited
$100 to $1,000
View Plans
Prudent Logo
$39 /month
$10,000 to unlimited
$100 to $1,000
View Plans
healthypaws logo
No limit
$100 to $1,000
Up to 14th birthday
View Plans
aspca pet insurance
$3,000 to $10,000
$100 to $500
View Plans


Lemonade offers acceptable insurance plans for basic veterinary routines, such as vaccines, annual check-ups, parasite and heartworm screenings, and special customizations like acupuncture and physical therapy. Besides safety for your puppy, you will get control over reimbursement rates, their deductibles, and coverage limits.

With Lemonade, clients enjoy affordable prices and easy online interface features. Lemonade offers another positive feature; you can get a discount on homeowners’ and renters’ insurance. Their Giveback program donates unclaimed money to nonprofit organizations of their choice.

Don’t panic about reimbursement! They use an artificial intelligence app to speed up the claiming process. Currently, Lemonade is available in only 36 states, so before you commit to their insurance plan, ensure that they are available in your state.


  • Multiple discounts and insuring more pets
  • Quick claiming process
  • Giveaway program to pet-related charities


  • No 30-day free trial period
  • Limited information online
  • Must submit medical records from the past 12 months

Plans and Coverage

Multiple types of insurance options, like illness or accident plans, will cover your puppy’s procedures, diagnostics, or medications. On average, the plans cost $37 or lower, depending on the option you choose. We are sad to inform you that any pre-existing health issue, behavioral treatment, or elective procedures will not be covered. However, Lemonade can cover preventive care treatments, such as a special puppy preventative package, and you can only purchase the package with an illness or accident plan.

The $15 preventive package that Lemonade offers includes the following:

  • One annual wellness exam
  • One blood test
  • One internal or fecal parasite test
  • Vaccines (1-3)
  • Medical advice exam

The specific preventive package costs $40 per month and gives you more coverage, including: 

  • One blood test
  • Two fecal and internal parasite tests
  • Two regular check-ups
  • Up to 6 vaccines
  • Medical advice chat
  • Routine dental cleaning 
  • Tick/flea or heartworm medication
  • Microchip 
  • Elective procedures (spay/neuter)

Believe it or not, with additional $1 add-ons to these plans, your puppy can get acupuncture or chiropractic work. As for their deductibles, they range from $100 to $500, depending on the plan.

Lemonade Pet Insurance


One of the most comprehensive and extensive pet insurance is Embrace. The main feature of Embrace is that it covers curable previous health conditions, a rare find among other companies that provide pet insurance for puppies. These pre-existing conditions include allergies and ear infections. 

You have to treat this condition first before you can provide medical records that your puppy was symptom-free for at least 1 year.  Embrace also offers a 10% discount for former military members and an exclusive Healthy Pet Deductible that will lower the annual deductible by $50 as a reward for not submitting a claim in a specific year.


  • “Nose to tail” coverage
  • Coverage for pre-existing conditions
  • 24/7 support health line
  • Orthopedic and dental illnesses


  • Annual coverage limit
  • Pricier than other competitors

Plans and Coverage

Although Embrace is pricier than other pet insurance companies, it covers emergency cases, treatments, consultation fees, exams, surgery, behavioral therapy, and care for ongoing pet illnesses. Unlike other pet insurance companies, it also covers mobility aids or prosthetic limbs.

Prices depend on many factors, but you should expect to pay between $30 and $40 per month for your puppy pet insurance. With a $30,000 annual reimbursement, plans with up to 90% reimbursement, and no lifetime limit, you and your puppy can safely enjoy this pet insurance. 

Three tiers with a yearly allowance for wellness coverage plans are available: 

  • $52.09/month = $650 allowance per policy year
  • $35.42/month = $450 allowance per policy year
  • $18.75/month = $250 allowance per policy year

Their wellness plans cover the following:

  • External parasite protection
  • Regular exams
  • Vaccinations and titers
  • Microchipping
  • Fecal & routine blood tests
  • Medicated shampoos
  • Grooming
  • Spay/neuter surgery
  • Toenail trimming
  • Nutritional supplements
  • Wearable pet activity monitors
  • Teeth cleaning
  • Anal gland cleaning
  • Cremation
  • Hip dysplasia exams, X-rays, or other OFA testing
  • Massage therapy, acupuncture
  • Routine chiropractic care
  • Hip dysplasia exams, X-rays, or other OFA testing
  • Prescription diet food
  • Training

If you are not limited with your budget, Embrace can be an excellent choice for you and your furry friend.

Embrace Pet Insurance Overview


Spot is another popular option among pet parents because of its multiple-tier options and comprehensive wellness plans. This is excellent pet insurance for new puppies since it will need to complete more frequent check-ups than old dogs. 

Fun fact for all dog lovers – they collaborate with likely the world’s most famous dog trainer, Cesar Milan. So, they offer holistic care options, behavioral therapy, as well as prevent behavioral problems and train new puppies. 

Spot was developed by Crum & Forster Pet Insurance Group, in 2006. They offer a generous multi-pet discount, no age limit for signing up, and a 24/7 helpline.


  • No sign-up age restriction 
  • 10% multi-pet discount
  • Customized multiple wellness plans
  • Unlimited annual benefit
  • 24/7 open helpline 


  • Bilateral exclusion for some issues
  • Prescription pet food is not covered

Plans & Coverage

As a top provider, the Spot accident-only pet insurance plan comes at a cost as low as $10 a month. For a complete coverage plan, the monthly cost comes at 16$ a month. For dog insurance, pet parents will be looking to pay between $30 and $50, based on the tailored options you choose. Aside from their accident-only plan, Spot also has an accident and illness plan as well as several wellness plans, divided into two tiers – the gold and the premium plan. 

With the Gold plan, you’ll pay $9.95 a month for services like dental cleanings, wellness exams, fecal tests, and more. The premium plan comes at $24.50 a month and offers a service repertoire worth regular $450. Among the top services of choosing Spot are also their preventative care add-on, no exam fees, and their no age limit rule. Spot offers annual deductibles to its customers ranging from $100 to $1,000, after the expiration of which they can file reimbursement claims.

Spot Pet Insurance

Prudent Pet

How does it sound to get unlimited annual coverage, never worrying about being cut off from reimbursement? 

Prudent Pet is trendy among pet owners because of its accident-only pet insurance plan covering emergency accidents. Their claiming process is fast due to the artificial intelligence they use. They offer direct deposit or reimbursement through a check to best suit your needs.

On several occasions, Prudent was ranked as the number one pet insurance provider by both customers and Trustpilot. 


  • Unlimited annual coverage
  • Accident-only puppy plan 
  • Wellness plan options
  • 24/7 open lines
  • 30-day money guarantee


  • Set annual coverage caps
  • No mobile app
  • Six months waiting period for orthopedic issues

Plans and Coverage 

The accident-only plan reimburses the costs of treatment, medication, diagnosis, hospitalization, and swallowing a foreign object. It also covers bone fractures, dog bites, or eating toxic products. 

The unlimited annual coverage is an excellent investment if you are looking for “nose to tail” accidents and illnesses, boarding costs, mortality costs, vacation cancellation fees, and annual caps of $10,000. However, Prudent does not cover pre-existing conditions like most pet insurance providers.

Your monthly wellness plan can cost between $11.95 and $29.95, depending on your chosen features. 

  • Up to 2 wellness exams
  • Vaccines
  • Dental cleaning or spay/neuter
  • Fecal exam
  • Heartworm test or FELV screen
  • Health certificate
  • Wellness blood screen
  • Deworming
  • Microchip

Prudent offers a variety of plans that owners can choose from, no matter their budget. However, what most pet owners don’t like is the coverage limit.

Prudent Pet Insurance

Healthy Paws

From April 2020, this charitable puppy pet insurance donated over a million dollars to many nonprofit companies, which is why many pet owners support this pet insurance for puppies. 

Compared to their competitors, they offer unlimited maximum payouts and affordable prices. 

Their features include a mobile app for tracking and claiming submission, making them faster than other insurance providers. Healthy Paws has great customer rates, and the Chunn Group underwrites it. 


  • Unlimited payouts
  • Affordable price
  • Charitable pet insurance 
  • Available mobile app
  • A+ rated insurance company


  • No free trial for new customers
  • Not offering a wellness plan 
  • No available discounts

Plans and Coverage 

You cannot get confused with this provider. They offer only one simple plan that covers illnesses, accidents, cancer, hospitalizations, diagnostic treatment, hereditary conditions, emergency care, X-rays, and alternative therapies. However, you might be discouraged by their 15-day waiting period for accidents. 

The Healthy Paws plan’s price varies from $20 to $39 per month. And keep in mind that you cannot sign up your dog after the 14th birthday. 

Their customized coverage options vary on the dog’s age: 

  • 8-year-old dogs and older – $750 or $1,000 deductible; 50 – 60% reimbursement
  • 6-7-year-old dogs: 60 – 80% reimbursement; $250, $500, or $750 deductible 
  • 5-year-old dogs or younger: 90, 80, and 70% reimbursement; $100, $250, and $500 deductible.

However, with Healthy Paws pet insurance, your puppy cannot get routine veterinary care, such as heartworm tests, vaccinations, or wellness exams. Newborn puppies need to be taken on regular veterinary check-ups.

Healthy Paws overview


The American Society for the Prevention of Cruelty to Animals and Crum & Forster Pet Insurance Group created the ASPCA pet insurance. Prevention in animals is the best cure; therefore, their main goal is to focus on prevention, behavioral issues, microchipping, etc. 

ASPCA has a Member Center app where the submitting and tracking processes are done, as well as reviewing benefits, contacting them, and making payments. This is a generous company so that you can enjoy a 10% multi-pet discount and a 30-day money-back guarantee. 

 Another great benefit is that you are not required to take your puppy to an exam before enrollment, as many pet insurance companies ask pet owners to do. 

 We like that ASPCA pet insurance has a convenient Member Center app, which you can use to submit and track your claims process, review your benefits, contact them, make payments, and more. ASPCA also offers a considerable 10% multi-pet discount, which is more generous than many pet insurance providers. 

 Its 30-day money-back guarantee and many customizable coverage options are other significant benefits of choosing ASPCA pet insurance for puppies. Another great feature is that you don’t have to take your puppy to an exam before enrollment.


  • Microchip coverage included
  • 10% multi-pet discount 
  • Coverage for hereditary and congenital diseases
  • Microchip coverage
  • Partnering with the American Society for Prevention of Cruelty to Animals


  • Pricier than other pet insurance companies
  • Disappointing customer reviews
  • The biggest coverage limit is $10,000

 Plans and Coverage 

ASPCA offers plenty of insurance plans for puppies, with coverage for emergency and worst-case scenarios. 

Their plans start from $48.78 per month, although this number can vary based on the dog’s age, health, breed, or location. The sooner you and your pet join this company-the better. 

 Their basic preventive plan includes 

  • Deworming
  • Wellness exam 
  • Vaccines
  • Fecal examination
  • Dental care 

Additionally, the prime plan can provide urinalysis, health certificates, and blood tests. Therefore, the basic plans cost $9.95 per month and have $250 annual coverage, while the prime plan costs $24.95 with $450 of coverage. 

Overall, we love the variety of their plans, discounts, and excellent partnerships. However, the negative thing is that the plans stop at a $10,000 annual deductible. 

ASPCA Pet Insurance

Why Should I Get Pet Insurance for My Puppy? The Verdict

Pet insurance is a way of holding financial security. In the best case, you will get 90% coverage with medical bills. However, some policies offer lifetime or annual caps on payments.

You can never rely on your veterinarian and be 100% sure that everything will turn out in your favor. Pick the best pet insurance for puppies and sign your dog up for a worry-free future.

Best Pet Insurance for Puppies

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