Pet insurance for puppies:
how to compare plans
There’s no single best policy for every puppy. Here’s what regulators and vets say to compare, so you can read any quote with the right questions. We don’t rank providers and we haven’t bought these policies.
We read the sources listed at the bottom and turned their guidance into a checklist. We didn’t test any product, we don’t rank them, and we don’t publish ratings or prices: check those on the official sites. Last checked October 4, 2026.
The checklist.
- 1
Pick the plan type first
Pet insurance usually comes as accident-only, accident and illness, or wellness coverage, and each covers and excludes different things.
Source: NAIC ↗ - 2
- 3
- 4
Check age limits
The NAIC white paper notes many carriers don’t cover pets younger than 8 weeks or older than 12 years when coverage starts.
Source: NAIC ↗ - 5
- 6
Keep your own vet
AVMA supports policies that let you choose your own veterinarian, including specialists and emergency clinics.
Source: AVMA ↗ - 7
Wellness plans aren’t insurance
The NAIC model act requires insurers to clearly separate non-insurance wellness programs from insurance policies.
Source: NAIC ↗
Where to start.
Alphabetical, not ranked. We haven’t reviewed or bought these policies. Get quotes and read each policy’s exclusions yourself. AVMA doesn’t endorse any provider, and neither do we.
- ASPCA Pet Health Insurance
- Embrace Pet Insurance
- Fetch
- Figo Pet Insurance
- Healthy Paws
- Lemonade Pet
- Nationwide Pet Insurance
- Trupanion
Vet Visit Log & Health Record
Dog profile, vaccine & prevention record, vet visit log, medication log and symptom tracker.
Where this comes from.
- NAIC: Pet insurance (consumer topic page) ↗
- AVMA: Loving your pet, managing the costs ↗
- NAIC: Pet Insurance Model Act (#633) ↗
- NAIC: A Regulator’s Guide to Pet Insurance (white paper) ↗
- AVMA: Do you need pet insurance? ↗
- ASPCA Pet Health Insurance (official site) ↗
- Embrace Pet Insurance (official site) ↗
- Fetch (official site) ↗
- Figo Pet Insurance (official site) ↗
- Healthy Paws (official site) ↗
- Lemonade Pet (official site) ↗
- Nationwide Pet Insurance (official site) ↗
- Trupanion (official site) ↗
Sources checked October 4, 2026. Dept. of Dogs is not affiliated with any organization cited. General info for dog owners, not veterinary advice: ask your vet about your own dog.
Free: the
mini-pack.
Two pages for your fridge: a “My dog’s case file” sheet with a cut-out emergency card (poison-control numbers included), and a 7-day routine tracker with mini badges.
Optional: join The Dept. Briefing for new printables.
