Many insurers cap the age at which a new policy can start. This ranking assumes an 8–10 year-old dog and accident & illness coverage, and only includes plans that will accept it.
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 · Trupanion
One plan that pays 90% of eligible vet costs with no payout caps — you choose a per-condition deductible paid once for life.
#2 · Healthy Paws
A single accident & illness plan with an unlimited-payout option and alternative care built in — but no exam-fee coverage.
#3 · Embrace
Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.
#4 · Nationwide
Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.
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).