🐾 Pet Insurance Finder

Best pet insurance for puppies in the US

A young, healthy dog is the best time to insure — nothing is pre-existing yet. This ranking assumes a puppy under one year old, accident & illness coverage and a balanced budget.

Ranked with the same filters and weighted scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 · Embrace

Accident & Illness

Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
none
Illness wait
14 days
  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ! 180-day exclusion for common orthopedic conditions in dogs
  • ! Pets 15 and older can only get accident-only coverage
  • ! Premiums rise over time with age
Full Embrace details →

#2 · Nationwide

Modular Pet Insurance

Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.

$$ Mid-rangeAccident & illness
Reimburses
50/70/80%
Annual limit
$5,000
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days

Sample monthly cost

from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).

  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ! Hereditary, congenital and cruciate coverage are paid add-on modules
  • ! Cats 8 and older can't add hereditary coverage
  • ! Annual limits are per module — total payouts can be lower than single-limit plans
Full Nationwide details →

#3 · Figo

Figo Pet Insurance Policy

Accident & illness coverage with up to 100% reimbursement, an unlimited tier and cover for cured pre-existing conditions.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90/100%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Add-on
Accident wait
1 day
Illness wait
14 days
  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ! Exam fees, rehab and holistic care are paid add-ons
  • ! 90% and 100% reimbursement aren't available in New York
  • ! Dental illness cover requires an annual dental exam
Full Figo details →

#4 · ASPCA Pet Health Insurance

Complete Coverage

Broad accident & illness coverage including exam fees, dental disease, behavioral issues and alternative therapies.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days
  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ! 14-day waiting period applies to accidents as well as illness
  • ! Knee and ligament conditions can never become eligible once pre-existing
Full ASPCA Pet Health Insurance details →

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