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Puppy Insurance | Is It Worth The Cost?

Puppies have a lot going for them based on cuteness alone, but they also have a high risk of getting injured or sick.

Their curious nature can lead them to any number of hazardous materials and dangerous situations. And their immune systems are not yet fully developed, increasing their chances of illnesses.

And this is why it is important to consider pet insurance for your puppy.

Chronic Conditions In Puppies

We might think that chronic conditions only happen in older pets. Unfortunately, that isn’t the case. In fact, most allergic conditions will start when a puppy is very young, usually from five months to two years old.

puppy insurance

And puppies and then dogs with allergies will need year-round medication and possibly monthly allergy shots. Which can get expensive and pet insurance can help offset all those costs.

Puppies Can Get Serious Injuries

We know how rambunctious puppies can be and an injured paw is a very common occurrence.

If your Labrador puppy tears one of his cruciate ligaments, your sweet puppy will need surgery right away to correct it.  And it is very likely that the bill for this surgery could cost a minimum of $3,500 to $5,000.

Not only does that hurt financially, but when your veterinarian tells you that your Labrador puppy could very well develop the same problem to the other knee, you decide it’s time to sign up for pet insurance. You’re ready.

And then you are denied pet insurance coverage because this is what is known as a bilateral condition and is therefore pre-existing and you won’t get covered on either knee!

But, if you had signed up for pet insurance a month ago, 80 to 90% of both bills would be covered.

Puppy Insurance Pre-Existing Conditions

Any puppy or dog will not be covered for pet insurance for any pre-existing condition that already exists in your pet.

For example, any allergy, hereditary or even congenital condition that might have transpired in your puppy at birth will not be covered for the duration of your puppy’s life.

And this is why it’s important to insure your puppy at a young age.

The good news is that the pet insurance premiums are super affordable in puppy insurance.

What To Look For In A Puppy Insurance Policy

All of the top policies will have cover at a minimum these conditions:

  • Accidents
  • Any Illness that might occur
  • Hereditary & Congenital Conditions
  • Chronic Conditions
  • Diabetes, Allergies, Cancer
  • Specialist Care
  • Hospital Stay and Emergency Care

Even medical treatments are covered in pet insurance:

  • Blood Tests, Ultrasounds
  • X-rays
  • Surgery
  • Prescription Medications
  • Alternative Treatment
  • Emergency Care

What Isn’t Covered In Puppy Insurance?

As mentioned above, puppy insurance doesn’t cover pre-existing conditions.

Routine procedures such as the vet exam fee, preventative care, vaccinations, teeth-cleaning, and spaying/neutering aren’t covered under general pet insurance.

With some pet insurance policies, like Embrace, you can add a wellness package to your pet insurance policy (at an additional cost) if you’d like part of that expense covered.

What Age Can You Enroll Your Puppy In Pet Insurance?

Most pet insurance policies will allow puppies to be insured at 8 weeks of age or older depending on the provider.

If you enroll your puppy before reaching six years old, most of the pet insurance companies will provide coverage for hip dysplasia without any additional cost.

Waiting Period for Puppy Insurance

The best pet insurance companies will allow you to visit the vet or your choice and will include the specific animal hospital that you prefer.

After you enroll your puppy, there is a 15 to 30 day waiting period before your puppy is covered.

The waiting period is to determine if your puppy has any pre-existing conditions or illnesses. And, it also gives you a chance to make sure you are happy with the new provider.

Price Of Puppy Insurance

The price of puppy insurance depends on a lot of variables, not just the deductible and reimbursement level you choose, but your puppy’s breed, where you live and his or her age.

The monthly premiums can be as low as $10 up to a high of $70. Most puppy plans, however, start average $20 to $30 a month.

Factors That Affect Pricing


If you choose a higher deductible, you will have a lower premium.

The typical deductible averages around $250.

Look for an annual deductible that you pay once each year on your first medical bill.

There are other deductibles, per-condition deductible annual and lifetime that put a cap on certain conditions.  And you pay for each condition and can add up which is why we prefer the annual deductible.

Coverage Limits

While you might pay a higher premium with higher coverage limits, you have the comfort of knowing that you won’t hit a limit if your puppy gets very sick or injured.

Policies like Healthy Paws offer an unlimited benefit option and even lifetime.

Reimbursement Percentage

Most companies have a set amount that they will reimburse on their bills.

The typical reimbursement percentage is 70% to 80%.

The best reimbursements are the plans that pay off the actual vet bill.  This way you know exactly how much to expect.

Plans with benefit schedules set a maximum reimbursement amount and can be limiting.


If you live in the city, your premiums will be higher since veterinary expenses are higher there too.


The older the puppy, the higher the premium.


Different breeds are more expensive to insure than others.

For instance, a Labrador which tends to have hip issues might be more expensive to insure than a mutt.

Puppy Insurance Company Reviews

When looking for any new insurance, it’s important to consider the reviews of the different providers.

Are the policyholders happy with their service?  Are claims being paid back in a timely fashion?

To get you started on puppy insurance, we compiled a list of the 5 best pet insurance providers to help you choose the right one.

Healthy Paws

healthy paws pet insuranceHighlights

  • All plans have unlimited benefits, even a lifetime!
  • Great reviews and customer feedback- A+
  • Covers all conditions including hereditary and congenital
  • Annual deductible model – rates from $100 to $750.
  • Many treatments offered including alternative therapy
  • All plans cover up to 90% of your medical bills.
  • Claims processed quickly and seamlessly.
  • Discounts for membership groups and military -10 to 15%!

Pricing Is Competitive

  • Your puppy insurance plan can start as low as $19 a month.

To learn more about Healthy Paws, our full review will give you all the details.

Get your Healthy Paws Quote Now


embrace pet insuranceHighlights

  • Consistently positive reviews from policyholders
  • Alternative treatments, behavioral therapy, and prosthetics
  • Wellness plans option if interested.
  • Annual deductibles up to $1,000
  • Benefit limits cap at $30,000 online or unlimited vis phone enrollment
  • Reimbursements from 70% to 90%
  • $50 healthy pet deductible and 5 % if your puppy is spayed (only in NY).

Pricing Is Competitive:

  • Your puppy insurance can start as low as $14 s a month.

To learn more about Embrace, our full review will give you all the details.

Get Your Embrace Quote Now



  • Petplan policyholders are happy with their service
  • No restrictions on heredity or congenital conditions
  • Covers dental care and periodontal disease
  • Benefit limits from $2,500 to unlimited.
  • Reimbursement from 70 to 90%.
  • Choose annual or per condition deductible model up to $2,500
  • Discounts for online registration, service pets, and military.

Pricing Is Competitive

  • Your puppy insurance can start as low as $22 a month.

To learn more about Petplan, our full review will give you all the details.

Get Your Petplan Quote Now


figo pet insuranceHighlights

  • Figo’s customer reviews are positive and an A+ rating from the BBB
  • Hip Dysplasia covered if cured for a year
  • All coverage plans include exam fees
  • Benefit limits from $10,000 to unlimited
  • Reimbursements from 70 to 100%
  • Annual deductible model from $50 to $500.
  • Very tech-oriented with a pet cloud which features a pet community.

Pricing Is Competitive (but on the higher end)

  • Your puppy insurance can start at $30 a month.

To learn more about Figo, our full review will give you all the details.

Get Your Figo Quote Now

Pets Best

pets bestHighlights

  • Pets Best policyholders are happy with their service
  • Preventative care plans can be added
  • Alternative therapy, behavioral and physical therapy
  • Benefit limits from as low as $5,000 to unlimited
  • Reimbursements 70% to 90%.
  • A vet helpline and no age restrictions
  • Claims paid within 5 days.

Pricing Is Competitive:

  • Your puppy insurance can start as low as $20 a month.

To read more about Pets Best, our full review will give you all the details.

Get Your Pets Best Quote Now

So, there you have it!

Puppy insurance can really give you the assurance that you can cover any unexpected illness or condition in your new family member.  If one incident occurs, you will be relieved to have purchased a plan.

Get a couple of quotes from our suggested providers to see if they are a good fit for you.  If you would like additional companies to review, our top 10 pet insurance guide of 2019 will give you some more ideas.

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