Need the best dog insurance with high reimbursement rates? You’re not alone – 78% of all insured pets are dogs. The average costs reached $676 per year in 2023, so choosing the right coverage matters now more than ever.
Most pet insurance plans pay back between 70% and 90% of costs. Figo stands out by offering 100% reimbursement options. These rates affect your monthly premiums a lot, which now average $42.04 for dogs.
We’ve really looked into and compared the top providers to help you find the perfect mix of coverage and cost. Lemonade offers budget-friendly rates starting at $26.83 per month, while Trupanion provides complete coverage at $72.40 monthly. Let us show you what each insurer brings to the table in terms of reimbursement and value.
1. Healthy Paws: Industry Leader in Fast Reimbursements
Healthy Paws makes pet insurance claims easy with its efficient digital reimbursement system that eliminates paper forms.
Healthy Paws Reimbursement Process
Pet parents can submit their claims through the Healthy Paws mobile app or online customer center. They simply need to upload a photo of their veterinary bill. The reimbursement calculation works by multiplying covered treatments with your selected reimbursement rate and subtracting any remaining annual deductible.
Coverage Details and Limits
The plan gives you great flexibility with reimbursement rates ranging from 50% to 90% based on your location and pet’s age. Your annual deductible options range from $250 to $1,000. Healthy Paws calculates your reimbursement rate from the vet bill before taking out the deductible.
Claims Processing Timeline
Your claim gets processed within 24 business hours after approval. The reimbursement arrives through:
- Direct deposit: Up to 10 days
- Paper check: Up to 15 days
Customer Satisfaction Ratings
The company has earned an impressive customer satisfaction rating of 9.8 out of 10 as of January 2025. Customers love the quick reimbursement process and easy claim submissions. The company’s caring approach stands out, especially when representatives check on pets’ recovery status.
2. Trupanion: Direct Vet Payment Model
Trupanion has changed pet insurance with its direct payment model that removes the usual wait for reimbursement. The provider can process invoices in just five seconds at participating vet facilities.
How Direct Payment Works
Trupanion’s VetDirect Pay™ lets the company pay vets directly at checkout. Pet parents need to pay only their share – the deductible, exam fees, and sales tax. The company has paid over $2.20 billion straight to veterinary hospitals.
Participating Vet Network
The network has more than 9,000 veterinary hospitals across North America. Pet owners can visit any licensed veterinarian in the US, Puerto Rico, or Canada. The number of veterinary hospitals using Trupanion’s direct payment solution has grown to over 11,000.
Trupanion Express Benefits
The direct payment model brings key advantages:
- No upfront costs or reimbursement paperwork
- Instant payment processing at checkout
- Vets can focus on care instead of discussing finances
This system helps most when treatment costs go above $1,500 – a point where many pet parents find it hard to pay for care. Trupanion processes over 60% of invoices automatically to ensure quick and accurate payments.
3. Figo: 100% Reimbursement Option
Figo stands out by providing one of the few 100% reimbursement options in the pet insurance industry.
Figo’s Reimbursement Tiers
You can choose from four different reimbursement levels:
- 70% reimbursement
- 80% reimbursement
- 90% reimbursement
- 100% reimbursement
The 100% reimbursement option is available when you choose deductibles above $500 with yearly coverage up to $10,000.
Policy Customization Options
Figo gives you three coverage tiers to choose from – Essential, Preferred, and Unlimited. The Essential plan gives you annual coverage up to $5,000, while the Preferred plan covers up to $10,000. The Unlimited plan removes all yearly limits completely.
Pet parents can pick deductibles between $100 and $1,500. Figo also provides “Powerups” that cover wellness and veterinary exam fees. You can adjust these add-ons each year when you renew your policy.
Claims Processing Speed
Figo processes claims in about 2.6 working days to streamline the process. Pet owners who choose electronic payments get their money in 3-5 days, while check payments take 7-10 business days. The Pet Cloud mobile app makes everything easier by letting you submit and track claims right from your phone.
4. Pets Best: Flexible Reimbursement Plans
Pets Best lets you customize insurance plans with flexible reimbursement rates that fit your budget.
Reimbursement Percentage Options
You can choose from three reimbursement tiers – 70%, 80%, and 90% of eligible treatment costs. These rates kick in for covered expenses once you meet the annual deductible. Pet parents who select 80% reimbursement will pay 20% of the vet bill, while Pets Best takes care of the rest.
Deductible Choices
Your annual deductible options range from $50 to $1,000, including:
- $50, $100, $200, $250, $500, and $1,000
This single annual deductible stays active throughout your policy term. Your monthly premiums will be lower with higher deductibles, but they increase when you choose lower deductibles.
Annual Coverage Limits
Pets Best’s coverage limits come in three accident-and-illness plans – Essential, Plus, and Elite. Each plan gives you two coverage limit choices:
- $5,000 annual coverage
- Unlimited annual coverage
The unlimited option will give a continuous coverage whatever your vet costs, which works great for long-term treatments. Your pet’s age, breed, and location help determine the premium costs. The complete coverage includes accidents, illnesses, emergency care, hospitalization, surgery, and ongoing conditions.
5. Spot: Comprehensive Coverage Model
Spot pet insurance provides customizable coverage with reimbursement rates from 70% to 90%.
Spot’s Reimbursement Structure
You can customize your coverage by choosing annual limits from $2,500 to unlimited and deductibles between $100 and $1,000. Your premium costs will change based on your pet’s age, species, and location.
Coverage Inclusions
Spot offers two main plans:
- Accident-only coverage: This plan includes surgeries, hospitalizations, dental injuries, and prescription medications
- Accident and illness coverage: The plan covers hereditary conditions, digestive issues, cancer, and alternative therapies
Optional preventive care add-ons start coverage within 24 hours of purchase. Standard coverage begins after a 14-day waiting period.
Claim Filing Process
Spot takes 5-7 business days to process standard claims. Preventive care claims need just two business days. You can submit claims through several options:
- Online member portal
- Mobile app
- Fax
You have 270 days from the treatment date to submit your claims.
Customer Support
The customer service team works from 8 a.m. to 8 p.m. EST Monday through Friday, and 9 a.m. to 5 p.m. EST on Saturdays. All the same, policyholders can access a 24/7 pet telehealth helpline when they need quick answers to health and behavior questions.
6. Lemonade: AI-Powered Quick Reimbursements
Lemonade uses artificial intelligence to process pet insurance claims. Their mobile app handles about 50% of claims instantly.
Digital Claims Process
The company’s AI-powered system with AI Jim helps pet parents submit claims. Pet owners record a short video about the situation and upload veterinary invoices through the mobile app. Multiple anti-fraud algorithms verify each claim’s authenticity.
Reimbursement Speed
The system processes claims quickly, with 40% of submissions handled instantly. Approved claims offer these reimbursement options:
- 70% reimbursement rate
- 80% reimbursement rate
- 90% reimbursement rate (with annual limits up to $100,000)
Direct bank deposits take 24 to 48 hours after approval.
Coverage Options
The base accident and illness policy has diagnostics, procedures, and medications for new conditions. The core coverage includes:
- Cancer treatments (excluding experimental procedures)
- Overnight hospitalization costs
- Diagnostic testing
- Medication expenses
Monthly plans cost $23 for dogs and $17 for cats. Pet owners can adjust their coverage levels during the first 14 days or when renewing their policy. Lemonade needs medical records from visits within 12 months before the policy starts.
7. ASPCA: Traditional Reimbursement Model
ASPCA Pet Health Insurance has provided customizable reimbursement options through its traditional payment model since 2006.
ASPCA’s Payment Structure
The company provides three reimbursement tiers – 70%, 80%, and 90% of eligible expenses. Pet owners can choose annual deductibles from $100 to $500, with yearly limits between $2,500 to $10,000. The process is straightforward – you pay the vet bills upfront and submit claims to get your money back.
Coverage Details
The Complete Coverage plan covers:
- Accidents and illnesses
- Behavioral issues and treatments
- Alternative therapies
- Hereditary conditions
- Dental diseases
- Exam fees
Dog owners typically pay $42.24 monthly for the accident-and-illness plan, while cat owners pay $25.47. Pet owners can improve their coverage by adding Basic or Prime preventive care packages.
Claim Requirements
You have 270 days after treatment to submit your claims. The company lets you file claims through several options:
- Mobile app
- Member center
- Fax
Claims usually take up to 30 days to process, and payments come through direct deposit or check. You can track your claim’s progress through the Member Center or mobile app. The customer service team is available by phone at 1-866-204-6764 or email if you need help with your claim.
8. Embrace: Diminishing Deductible Benefit
Embrace Pet Insurance welcomes a fresh approach to pet insurance through its Healthy Pet Premium Discount Program, which replaces their previous diminishing deductible feature.
Healthy Pet Deductible
Pet owners can earn a 5% premium discount in their first year when their reimbursements stay below $300 annually. This discount jumps to 10% in the second year. The system lets pet parents stack their discounts until they reach a 25% cap. Each discount period starts seven days before the policy renewal notice and runs for one year.
Reimbursement Options
Pet owners can choose from three reimbursement levels – 70%, 80%, and 90% of covered veterinary expenses. The company handles claims through direct reimbursement after pet owners pay their vet bills upfront. Reimbursements come via direct deposit or check, and owners can manage their payment preferences through the MyEmbrace customer portal.
Wellness Rewards Program
Pet owners can pick from three annual allowance options in this optional wellness membership program:
- $250 allowance per policy year
- $450 allowance per policy year
- $650 allowance per policy year
This non-insurance add-on ended up providing 100% reimbursement up to the chosen annual allowance. Pet owners can use the program for preventive care treatments like wellness exams, vaccinations, dental cleanings, and grooming services. Members get immediate access to their plan’s annual limit and an extra $25 for eligible preventive care services.
9. MetLife: Multi-Pet Discount Benefits
MetLife stands out in the pet insurance world with its innovative family plan that lets you insure up to three pets on a single policy.
MetLife’s Reimbursement Process
Pet parents have 90 days from the treatment date to file their claims. MetLife processes most claims within 5 days and provides both direct deposit and paper check options. New claims require the pet’s veterinary records from the last 12 months.
Multiple Pet Policies
MetLife’s family plan brings a fresh approach to multi-pet coverage through:
- A shared deductible for up to three dogs and cats
- Flexible annual limits you can split among pets
- Customizable reimbursement rates and deductibles
You can get policies starting at $9 monthly for cats and $15 monthly for dogs. Pet parents also have the option to group multiple pets into two or more family plans.
Coverage Limitations
MetLife provides detailed coverage with specific exclusions. The policy excludes microchipping, breeding-related conditions, obedience training, grooming costs, and elective surgeries. Pre-existing conditions have limited coverage, but MetLife might cover conditions that other providers previously insured for group policyholders.
10. Nationwide: Comprehensive Wellness Coverage
Nationwide’s Whole Pet with Wellness plan gives you 90% reimbursement on eligible vet expenses.
Wellness Reimbursement Options
Your preventive care insurance covers these routine services:
- Annual physical examinations
- Vaccinations and titers
- Flea control and heartworm prevention
- Health screenings
- Dental cleanings
- Microchipping
Pet owners can choose their coverage with deductible options. Most people pick a $250 annual deductible.
Major Medical Coverage
The Whole Pet plan goes beyond simple wellness care. It provides nose-to-tail protection for accidents, illnesses, and preventive care in one detailed package. The plan covers allergies, ear infections, arthritis, and cancer treatments. Nationwide members get a 5% discount on new pet health insurance policies.
Claim Processing Time
Claims take up to 30 days to process. You need to submit two things: a completed claim form with diagnosis details and an itemized invoice that shows all services. Nationwide will then send you payment, ask for more information, or explain why the claim was denied. You can visit any licensed vet worldwide, including specialists and emergency providers.
11. AKC Pet Insurance: Breed-Specific Coverage
AKC Pet Insurance stands out from other providers. They welcome all dog breeds with the same coverage options, which breaks from standard industry practices.
Breed-Based Policies
AKC Pet Insurance treats all breeds the same way when it comes to policy terms. They don’t exclude breeds like many other insurers do. You can even get optional coverage for several inherited and congenital conditions. This means your dog will get fair treatment whatever their breed history or genetic makeup.
Reimbursement Structure
The company looks at typical vet charges in your area when processing claims. They base their coverage decisions on:
- What your vet recommends
- Your pet’s medical records
- What your policy covers
- Local healthcare costs
Pre-existing conditions become eligible for coverage after 365 days if you maintain continuous coverage. Your premium will change based on your pet’s age, species, breed, and where you live.
Coverage Exclusions
The policy won’t cover certain treatments. These limits apply to experimental procedures, obesity treatments, organ transplants, and ongoing dental issues. Breeding coverage starts after a 30-day waiting period. The policy won’t pay for regular pregnancy checkups, planned c-sections, or optional procedures under breeding coverage. You need to submit medical records from the last 12 months to verify coverage.
12. Hartville: Straightforward Claims Process
Hartville makes pet insurance simple with its digital approach to claims management. Pet owners can handle everything through a user-friendly online platform that fits into their daily routine.
Claims Submission Process
The company gives pet owners several easy ways to submit claims:
- Online through Member Center portal
- Mobile app with photo upload capability
- Email to claims department
- Fax submission
- Traditional mail
Pet parents should submit claims within 270 days of treatment. They need to include an itemized invoice and medical records to speed up the processing.
Reimbursement Timeline
Hartville processes most claims within 30 days. Pet owners get email updates as their claim moves forward and can check its status through the Member Center. The online portal lets owners set up direct deposit to get their money faster.
Coverage Details
The company’s reimbursement comes in three percentage options – 70%, 80%, or 90% of covered expenses. Annual deductible choices from $100 to $500 affect the premium costs. Coverage limits start at $5,000 and go up to unlimited options.
Complete Coverage starts 14 days after enrollment, while preventive care coverage begins the next day. The policy covers unexpected illnesses, accidents, and optional routine care. Pet owners can visit any vet they choose.
13. Prudent Pet: High Annual Limit Options
Prudent Pet stands out by offering flexible annual coverage limits that work for pets with different healthcare needs. Their plans come with two main benefit options – $10,000 and unlimited coverage.
Coverage Caps
The company provides three complete plans with different limits. The Accident-Only and Essential plans come with a $10,000 annual benefit cap, and the Ultimate plan has no annual limits. Pet parents can pick the coverage that matches their budget and predicted vet expenses.
Reimbursement Percentages
Pet owners have the freedom to pick their reimbursement levels at 70%, 80%, or 90% of covered expenses. These rates kick in after meeting the yearly deductible, which ranges from $100 to $1,000. Many customers choose an 80% reimbursement rate with a $500 deductible. This choice helps balance monthly premiums and out-of-pocket costs.
Policy Flexibility
Prudent Pet makes insurance accessible with several helpful features. Their benefits include:
- A 10% discount when you insure multiple pets
- Special discounts for military personnel
- AI-powered claims processing that handles 75% of claims within 24 hours
You can submit claims up to 5 days after treatment, and get reimbursed through direct deposit or check. The company covers hereditary and congenital conditions, which protects pets from breed-specific health issues.
14. PetFirst: Senior Dog Coverage
PetFirst provides complete coverage options for senior dogs. Small breeds can join until they’re 11 years old, medium breeds until 10 years, and large breeds until 8 years of age.
Age-Based Policies
PetFirst tailors its coverage to your dog’s size to protect aging pets better. Senior dogs’ monthly premiums start at USD 130.00. The provider covers accidental injuries and unexpected illnesses that aren’t related to pre-existing conditions.
Reimbursement Options
You can choose reimbursement rates between 70% to 100% with deductibles from USD 50.00 to USD 2500.00. The annual benefits go up to USD 10,000.00, plus USD 575.00 for preventive care. PetFirst uses a per-incident basis system instead of annual deductibles.
Claim Requirements
You need to submit claims within 60 days after treatment. The process needs:
- Completed claim form with vet signature
- Detailed invoice documentation
- Proof of payment
- Pet’s medical history
PetFirst ended up covering diagnostic tests, X-rays, and alternative treatments by qualified therapists. Specialist and emergency clinic visits get equal coverage. A 12-month waiting period applies to conditions like intervertebral disc disease or cruciate ligament problems.
15. 24PetWatch: Emergency Care Focus
24PetWatch focuses on emergency medical care and provides specialized coverage for urgent veterinary needs.
Emergency Coverage Details
The provider gives USD 500 per incident coverage for animal ambulance and paramedical services. This coverage helps with immediate stabilization and emergency medical care needed on the way to veterinary facilities. The policy includes lifesaving treatments and provides extra benefits for boarding kennel fees if a pet owner’s home becomes uninhabitable.
Reimbursement Speed
The company processes claims within 24-48 hours after submission. They follow a well-laid-out verification process:
- Medical history review for first-time claims
- Itemized invoice verification
- Direct deposit setup option for faster payment
- Claim submission window of 180 days after treatment
Policy Limitations
Age restrictions limit coverage to dogs under 10 years and cats under 12 years. The provider has specific waiting periods:
- Accident coverage: Starts at 12:01 AM on the effective date
- Illness coverage: 14-day waiting period
The policy doesn’t cover pre-existing conditions, and many people report claim denials for conditions present before enrollment. The maximum annual coverage options range from USD 1,500 to USD 20,000, and reimbursement rates are set at 80% coverage after meeting the selected deductible.
