Cheapest Pet Insurance For Dogs Review (2020 Guide) | Herepup
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Cheapest Pet Insurance For Dogs Review (2020 Guide)

You know your dog needs insurance, but you’re worried about the cost. It’s a valid concern. In addition to feeding, grooming, training, and other costs associated with having a dog, insurance can be a concerning cost.

Fortunately, low cost dog insurance is available for those looking for budget-friendly ways to insure their dogs. However, with affordable dog insurance, you may have to be even more careful about weighing the necessities with the extras. You’ll want to make sure your coverage will reimburse you for things your dog needs, while providing a reasonable monthly premium.

The cheapest pet insurance for dogs sometimes comes at the cost of full coverage, but it still may cover the necessities for your dog. Before searching for the cheapest pet insurance for older dogs, puppies, and everything in between, consider my recommendations for the best value dog insurance.

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Affordable Dog Insurance


Type of Policy Coverage


3 annual deductible levels

Several annual deductible and reimbursement levels

Fully customizable plans


3 annual deductible levels

Cooperative pet health plan

Can The Cheapest Dog Insurance Be The Best?

Cheapest Pet Insurance For Dogs

Although low cost dog insurance won’t often provide the same coverages as those with higher premiums, they can still provide what you need for your dog. Don’t count them out just because they’re cheap. However, it’s important to read through the coverages they provide to ensure the policy will meet your dog’s needs.

Additionally, even some insurance coverage is better than no coverage. Some insurance companies offer basic plans that cover either illness, injury, or routine care. This can save dog owners a substantial amount of money, just by paying a low monthly premium.

This adorable video by the VetBros explains why health insurance for your dog is so important:

Here are a few things to consider if you’re looking for the cheapest dog insurance:

    • Will your low monthly premiums increase over time?
    • What coverages will you get for your money?
    • Are you able to purchase additional coverage at a later date if needed?
    • How much of your costs will be reimbursed?
    • Will you have a higher deductible in exchange for a lower premium? Can you afford it?

It’s important not to focus only on the monthly premium cost. There are several things to consider when searching for the best dog health insurance plans. Ensure that the plan meets your budget needs as well as your dog’s coverage needs, or it won’t do you much good. 

The Best Dog Health Insurance Plans

Healthy Paws Pet Insurance

Healthy Paws Pet Insurance offers three deductible options: $100, $250, and $500. The higher your deductible, the more affordable your monthly premium will be. So, if you can afford the $500 annual deductible, go for it, as this will save you money on your monthly premium payment.

Although Healthy Paws is a bit on the higher end of cheaper dog insurances, it also offers some of the best coverage. The company doesn’t offer coverage for routine exams or pre-existing conditions. However, it does cover everything from surgeries and cancer treatment to prescriptions and alternative treatments. You’ll even get reimbursement for hereditary or chronic conditions.

Pets Best

Pets Best is possibly the cheapest pet insurance for older dogs, as it has no age restrictions for policies. Therefore, you won’t have to worry about higher premiums or denied coverage because your dog is older.

One of the best things about Pets Best insurance for dogs is in its customizability. You can pick and choose what you want, from deductible and reimbursement costs to coverages. Plus, it offers several types of plans for you to choose as much, or as little, coverage as you need.

For example, you can choose a plan for routine care only, or get accident coverage only. Doing so keeps your monthly premiums where you want them, by getting only the coverage you’ll use most.


Pet Plan also offers personalized plans that can help you keep your monthly premium within your budget. You can choose your reimbursement amount, deductible, and optional coverages to tailor your policy to your needs. The higher the deductible and lower your reimbursement amount, the lower you can make your monthly premium.

Pet Plan policies cover surgeries, emergencies, injuries, illnesses, and other high-cost medical services. It also covers your dog if he has congenital or hereditary health issues requiring continual care. This company provides you with a lot of bang for your buck.

Eusoh Cooperative Pet Health Plan

There is a new affordable way to reduce your vet bills, except for traditional insurance. Learn about the Eusoh community providing the clear pet health plan for every pet. 


PetPremium offers four customizable policies that help you achieve the monthly premium you want. And, its website displays the features of its plans for you to easily compare coverages and costs. Additionally, you can sign up for a plan within minutes and have the option to adjust your coverages and costs later.

You can choose from three deductible levels to keep your monthly premiums lower. Your annual benefit has no cap, regardless of your plan. And, your copay will be between 10% and 30%, with 30% providing you with the lowest monthly payment.

Mind if we pay your vet bills? - Embrace Pet Insurance

Conclusion: Cheapest Pet Insurance For Dogs

Affordable insurance for dogs doesn’t necessarily have to mean you won’t get what you need. Instead, you just have to be mindful of what you can afford and ensure you’re paying only for what you need.

The dog insurance companies in this review provide options for budget-conscious dog owners. Choose your deductible and reimbursement costs to influence your monthly premium. Or, choose packages that provide specific coverages to ensure that you’re not spending money on coverages you don’t need.

Do your research on each company to find the best one for you. Read customer reviews, check out the claims process, and contact the company to learn about their best deals. The little bit of extra effort can save you significant costs on dog health insurance over time.

Ask a Vet Question


Dr. Laura Harris is our resident dog health expert. She started to fact-check dog health-related information for HerePup during her internship and contributes since then. Her expertise is in dog nutrition, senior dog care, especially critical care medicine and internal medicine.

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