Dog insurance

In the US, the cost of insuring your dog can depend on:

• Your pet's breed

• Their age

• Where they live

The best way to find out exactly how much it’ll cost to insure your dog is to get a quote! We promise it only takes a few moments.

Different states and zip codes are a bit more expensive for veterinary care than others, which may lead to somewhat higher premiums in those locations. However, keep in mind that other factors, including age and breed, also affect prices. Learn how we calculate pet insurance costs.

Age is just one of several factors that influence your premium. All other factors being equal, a premium for an older dog is indeed likely to be higher than a premium for a younger one. Since older dogs are significantly more likely to develop serious health conditions.

Some dogs are more prone to health conditions than others, and as a result, certain dog breeds cost just a bit more to insure. Dogs with a propensity to develop breed-specific medical conditions—for instance, flat-faced or “brachycephalic” breeds like French Bulldogs and Pugs — tend to have higher premiums.

Learn more in our guide to how we calculate pet insurance costs.

Vaccinations aren’t covered under our dog insurance policy. However, vaccinations and other types of preventative care may be reimbursed under our non-insurance Wellness Plan!

ManyPets pet insurance does indeed offer coverage for euthanasia and cremation related to accidents and illnesses that qualify for coverage. Not all pet insurance companies can say the same. But for now, let’s just think about keeping your furry family member happy, healthy, and frisky well into their senior years.

You can enroll your dog in pet insurance up until they’re 14 years old (plus one day). If you insured your doggo before they turned 14, they’ll never age out of their policy as long as you maintain continuous coverage. Meanwhile, a puppy must be at least 8 weeks old before ManyPets can insure them.

Your dog's insurance policy will not cover:

• Accidents or illnesses that meet the definition of a pre-existing condition

• Future treatment of any injuries to a leg when there have been cruciate ligament problems to any other leg prior to your policy being in effect

• Hip dysplasia if a pet is six years of age or older when the policy goes into effect, or if the pet has been previously diagnosed with or treated for hip dysplasia

• Coverage may also be denied if proper routine care is not provided to your dog and such a lack of routine care is a direct factor in the claimed accident or illness.

Other exclusions may apply. For more information, please refer to the exclusions section of our sample policy.

ManyPets doesn’t work directly with veterinarians. Instead pet parents simply submit their claim directly to ManyPets, and we’ll reimburse you for any approved claims directly. Pick any licensed vet — no networks!