Best Pet Insurance for Dogs That Covers Everything
If you’re a dog owner, you know that vet bills can add up fast — from sudden injuries to long-term illness treatment. The key to peace of mind is dog insurance that truly covers everything: accidents, illnesses, hereditary conditions, diagnostics, surgeries, and even optional wellness care.
In this comprehensive guide, you’ll learn:
- What comprehensive dog insurance actually covers
- The top providers that offer the most complete plans
- How to choose the best policy for your dog’s needs
- Tips to maximize benefits and save money
Let’s dive in! (NerdWallet)
1. What Does “Everything” Mean in Dog Insurance?
When shopping for the best pet insurance for dogs that covers virtually all care costs, comprehensive coverage usually includes:
✔️ Accident Coverage
Covers injuries from:
- Broken bones
- Ingested foreign objects
- Bites, cuts, sprains
- Emergency surgery
✔️ Illness Coverage
Includes treatment for:
- Infections
- Allergies
- Cancer therapy
- Chronic diseases like diabetes
✔️ Hereditary & Breed-Specific Conditions
Conditions more common in certain breeds — like hip dysplasia, epilepsy, heart disease — are included in top plans. (aspcapetinsurance.com)
✔️ Diagnostic & Hospital Fees
X-rays, bloodwork, ultrasound, and hospital stays — all essential for comprehensive care.
✔️ Behavioral & Alternative Therapies
Plans from some insurers even cover:
- Behavioral therapy
- Acupuncture
- Hydrotherapy
- Telehealth consultations
Optional Add-Ons
- Routine wellness care
- Vaccines
- Dental care
- Preventive visits and screens
Note: Most pet insurance policies don’t cover pre-existing conditions — conditions present before coverage — unless you choose a specific provider that offers exceptions after symptom-free periods. (Kiplinger)
2. Top Dog Insurance Companies With the Best “Everything” Plans
Here are the leading pet insurers that consistently rank highest for coverage completeness, customer satisfaction, and vet-recommended benefits:
🥇 Pets Best – Best Overall Comprehensive Coverage
Pets Best Insurance Web Address: 11333 N Scottsdale Rd Ste 160, Scottsdale, AZ 85254 Phone: +18777387237
- Among the most recommended companies for dog insurance. (NerdWallet)
- Covers accidents, illnesses, chronic conditions, surgeries, and emergency care. (Default)
- Plans reimburse up to 90% of eligible vet bills with customizable options. (Default)
- No annual or lifetime payout caps with the right plan selection.
🔹 Best for: All-around protection with flexible deductible and reimbursement options.
🥈 ASPCA Pet Health Insurance – Best for Complete Core & Wellness
ASPCA Pet Health Insurance Web Phone: +18662046764
- Offers robust accident + illness coverage plus optional wellness add-ons. (aspcapetinsurance.com)
- Exam fees, diagnostics, hereditary conditions, and behavioral issues often included. (aspcapetinsurance.com)
- Use any licensed vet — no network restrictions. (aspcapetinsurance.com)
🔹 Best for: Dog owners who want core and wellness benefits.
🥉 Trupanion – Best for Unlimited Payouts
Trupanion Web Address: 6100 4th Ave S, Seattle, WA 98108 Phone: +18552108749
- Known for outlining unlimited payout coverage with no lifetime or per-condition caps — rare among insurers. (Trupanion Website)
- Offers direct payment to veterinarians in many cases, so you don’t wait for reimbursement. (Trupanion Website)
- Covers hereditary conditions, dental accidents, surgeries, and breed-specific care.
🔹 Best for: Maximum coverage with no payout limits.
Healthy Paws Pet Insurance – Best for Extensive Illness & Emergency Coverage
Healthy Paws Pet Insurance Web Address: 11120 NE 33rd Pl Ste 200, Bellevue, WA 98004 Phone: +18558988991
- No payout limits and strong coverage for illness and accident claims. (healthypawspetinsurance.com)
- Streamlined claims process and high customer satisfaction.
🔹 Best for: High claims coverage and simplicity.
Nationwide Pet Insurance – Best for Multi-Pet Families
Nationwide Pet Insurance Web Phone: +18772636008
- Wide range of coverage options that include wellness and illness care. (petinsurance.com)
- Offers plans that include exotic pets — useful if you have more than a dog. (Money)
🔹 Best for: Multiple pets or mixed animal households.
3. How to Choose the Best Plan for Your Dog
Here are key factors to weigh when selecting a plan:
✔️ Annual & Lifetime Limits
Look for higher or no limits — especially if your dog is prone to expensive long-term conditions. (Money)
✔️ Reimbursement Rates
Typical choices range from 50% to 90% — higher rates give better reimbursements. (MetLife Pet Insurance)
✔️ Deductibles
Lower deductibles mean smaller out-of-pocket costs but higher premiums.
✔️ Waiting Periods
Most insurers have waiting periods (often 10–14 days) before coverage begins. (Kiplinger)
✔️ Wellness vs Insurance
Wellness add-ons cover preventative care like vaccines and checkups and are optional — but valuable. (aspcapetinsurance.com)
✔️ Exclusions
Check about pre-existing conditions, breed exclusions, and age restrictions. (Kiplinger)
4. FAQs About Dog Insurance
📌 What should a dog insurance policy cover?
The most complete policies include accidents, illnesses, hereditary and chronic conditions, diagnostics, surgeries, medications, and optionally wellness care. (aspcapetinsurance.com)
📌 Does pet insurance cover routine care?
Not by default — you need an optional wellness plan for annual exams, vaccines, and preventive care. (aspcapetinsurance.com)
📌 Are pre-existing conditions covered?
Most insurers exclude them. Some, like AKC Pet Insurance, may offer coverage after a waiting period. (Kiplinger)
📌 When should I enroll my dog?
Enroll when your dog is young and healthy to minimize exclusions.
5. Final Recommendation — Best Coverage for Peace of Mind
If your priority is true “everything” coverage, look for:
✅ Lifetime or unlimited payout plans
✅ High reimbursement % (70–90%)
✅ Comprehensive accident + illness + hereditary coverage
✅ Optional wellness benefits
For most dog owners, Pets Best and Trupanion stand out as the best options if you want peace of mind that your dog is covered for almost every health expense. (Forbes)
Start Comparing Quotes Today
To get the best pet insurance for your dog:
- Visit each provider’s quote tool
- Input your dog’s age, breed, and location
- Compare reimbursements, limits, and pricing
- Choose the plan with the broadest coverage that fits your budget