Best Pet Insurance for Dogs

Lemonade earned the top spot in our study for offering affordable rates and positive customer feedback. It also gives discounts if you insure more than one dog or bundle policies. Keep in mind, though, that Lemonade isn’t available in every state and only covers dogs under 14 years old, depending on the breed.

Lemonade ranks first for affordability among dog insurance providers in our analysis, offering the lowest rates overall. Monthly premiums range from $17 to $100 based on your dog's age, coverage limit, deductible and reimbursement rate. Check the table below to compare costs for different coverage options.

Lemonade earns third place in customer experience among dog insurance providers we evaluated. The company earned a 4.2 out of 5.0 rating on Trustpilot, reflecting strong customer satisfaction. Our social media analysis found 72% positive sentiment on Reddit, with 23 out of 32 comments studied being favorable.

Lemonade offers accident and illness policies only, with no accident-only option available. Dog owners can customize coverage with annual limits from $5,000 to $100,000, deductibles from $100 to $750 and reimbursement rates between 60% and 90%. 

Lemonade offers coverage for non-chronic pre-existing conditions if cured and symptom-free after 12 months, plus multiple add-ons including wellness plans, dental illness coverage up to $1,000 annually, behavioral therapy coverage and end-of-life benefits, but dogs must be under 14 years old to enroll.

Dog owners seeking exceptional customer service will find Rainwalk delivers with the top customer experience ranking in our analysis. 

The company combines excellent customer support with unique benefits like free unlimited virtual vet visits and coverage for curable pre-existing conditions that remain symptom-free for 180 days. However, Rainwalk’s policies are more expensive than other competitors and availability is limited to 44 states.

While Rainwalk excels in customer experience, it ranks 10th for affordability among dog insurance providers we analyzed. Dog owners can expect monthly premiums between $23 and $129, depending on their dog's age, chosen coverage limit, deductible and reimbursement percentage. Review the table below to find costs tailored to your dog's specific needs.

Rainwalk earns first place in customer experience nationwide in our study. With a 4.7 out of 5.0 rating on Trustpilot, Rainwalk demonstrates consistent service quality that resonates with policyholders. Our Reddit analysis also revealed 71% positive sentiment, with five out of seven comments reflecting favorable experiences.

Rainwalk offers accident and illness coverage with flexible options, including annual limits from $5,000 to $20,000, deductibles between $100 and $750 and reimbursement rates of 70% to 90%.

The company is known for its unique inclusions, such as coverage for curable conditions once your pet has been symptom-free for 180 days. It also offers optional add-ons for exam fees, holistic treatments and emergency boarding assistance. Dogs must be under eight years old to qualify for a new policy.

AKC provides the best coverage options for dog insurance in our analysis, setting itself apart as the only major insurer that covers both curable and incurable pre-existing conditions after 12 months of continuous coverage. 

This unique benefit makes AKC ideal for dogs with existing health issues, though hereditary and congenital conditions require purchasing an optional add-on. The company combines comprehensive coverage with solid customer service, but premiums run higher than budget-focused competitors.

AKC offers one of the most comprehensive dog insurance plans, though it comes at a higher price. In our analysis, it ranked ninth for affordability. 

Monthly premiums range from $21 to $235, depending on your dog’s age, annual limit, deductible and reimbursement rate. Check the table below to compare options that fit your coverage needs and budget.

AKC delivers solid customer service, ranking third alongside Lemonade in our study. The company maintains a 3.2 out of 5.0 rating on Trustpilot and benefits from strong social media feedback, with our Reddit analysis showing 86% positive sentiment across the seven comments we examined.

AKC provides fully customizable accident and illness policies with annual limits from $2,500 to $10,000, deductibles ranging from $100 to $1,000 and reimbursement rates of 70% to 90%. 

The insurer's standout feature is coverage for curable and incurable pre-existing conditions after 12 months of continuous enrollment, along with optional add-ons for exam fees, hereditary conditions and breeding expenses.