Vet bills can be unpredictable, and treatment for accidents or chronic illnesses can quickly add up. Pet insurance helps dog owners manage these costs, providing peace of mind while ensuring your dog gets the care they need.
For the best results, insurance works hand in hand with good nutrition and wellness. Be sure to explore our guides on premium dog food and dog supplements — both of which support long-term health alongside the right insurance plan.
On this page, we highlight trusted providers currently offering pet insurance to U.S. dog owners, including Spot Pet Insurance and Lemonade Pet Insurance.
💡 A Note from HeartForPooches
If you choose to buy through our links, it won’t cost you anything extra — but it helps support our work so we can keep bringing you trusted, carefully selected finds for your dog. Thank you for your support!🐾
Note: At this time, most pet insurance affiliate programs are U.S.-based, which is why our featured options apply to American customers. If providers in other regions begin offering affiliate opportunities that we can join, we’ll update this page to include them.
🐾 1. Spot Pet Insurance
Quick Pick: Flexible U.S. pet insurance with customizable plans and optional wellness add-ons.
Function: Helps dog owners manage vet bills with accident, illness, and preventive care coverage.
Key Features:
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Plans start from just $10/month
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Covers accidents, illnesses, diagnostics, prescriptions, and hereditary conditions
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Option to add wellness and routine care
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24/7 pet telehealth helpline included
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Accepted by any licensed vet in the U.S.
Best For: U.S. dog owners looking for flexible, affordable coverage with wellness options.
👉 Check Spot Pet Insurance here
🐾 2. Lemonade Pet Insurance
Quick Pick: Affordable, app-based U.S. pet insurance with fast claims and transparent pricing.
Function: Provides comprehensive accident and illness coverage while making claims simple through a user-friendly mobile app.
Key Features:
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Plans start from around $15/month
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Covers accidents, illnesses, diagnostics, medications, and specialist care
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Claims processed quickly through the Lemonade app
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Customizable coverage with add-ons available
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Rated highly for simplicity and customer experience
Best For: U.S. dog owners seeking affordable insurance with a quick and easy digital claims process.