Health Insurance for Puppies and Dogs
Dog insurance is similar to health insurance for humans. If your dog gets injured or sick, dog insurance helps cover medical expenses. With Top Dog, you can give your dog the medical care they need.

Top Dog insurance plan covers your dog from head to paw. It allows you to get your dog the care they need without getting worried about the expensive cost of veterinary care.

Health Insurance Plans For Puppies And Dogs

Top Dog offers robust annual benefit amount options and illness coverage for dogs of all ages. We strive to make the best dog insurance plans available for dogs of all ages and breeds, providing them access to the best medical coverage and veterinary care options.

Healthcare for Puppies

Your little furry child may come with some unforeseen and unexpected vet bills. Our insurance plan covers common conditions that affect puppies from foreign object ingestion, bite wounds, parvo, distemper, and much more. Top Dog insurance lets your puppy play without worrying about costly vet bills.

Healthcare for Adult and Senior Dogs

Be prepared for any injuries or diseases that your canine companion might experience. Our customizable dog insurance plans cover a variety of health conditions.

Top Dog can help keep your senior dog healthy and happy into their older years. We also cover some common ailments that affect senior dogs like arthritis, diabetes, cataract, and heart problems.

How does dog insurance work?

Top Dog insurance works on a reimbursement basis. You’ll pay the vet directly when you take your dog and then submit your bill for reimbursement.

  • Take your dog to the vet: Visit any US licensed vet or veterinary or emergency clinic.
  • Send us your claim: After you take your dog to the vet for care, submit a claim.
  • Get money back quickly: Once the vet bill is reviewed and approved, the reimbursement amount will be based on the options you selected for your policy.

What Does Top Dog Cover?

Should your dog ever get sick or have a serious accident, Top Dog’s comprehensive pet insurance plans are here for you. You must understand what is covered before choosing a policy for your dog.

Our dog insurance plans cover unexpected illnesses and accidents. Our three flexible plans can be customized to meet your budget and coverage needs.

Here are some of the most common types of items covered!

  • Emergency, Hospitalization, and Surgeries
  • Common illnesses like ear infections, vomiting, diarrhea
  • Breed-specific, hereditary, and genetic conditions like Hip Dysplasia
  • Serious illnesses like heart disease, diabetes, and cancer treatments
  • Accidents like sprains, ACL ruptures, poisonings, or broken bones
  • Chronic conditions like allergies or arthritis
  • Specialist veterinary care
  • Diagnostic exams, testing, imaging
  • Dental Illness & Injury
  • Prescription medications
  • Wellness Coverage (Optional Add On)
  • Veterinary Exam Fees (Optional Add On)

Wellness Coverage and Veterinary Exam Fees aren’t available by themselves but can be added to any policy.

Is dog insurance worth it?

Dogs are a part of your family. Like every member, they may get sick or injured. For a dog owner, having a gravely ill dog is a nightmare scenario. Treatment is an option, but it costs thousands of dollars. That’s where pet insurance comes in.

To determine if dog insurance is worth it, it’s great to know what kind of vet bills you could be looking at.

Medical Condition The average cost of treatment for dogs
Cancer $4,100
Ingested foreign objects $3,500
Diabetes $2,700
Broken bone $2,700
Heart murmur $1,200
Arthritis $700
Dental disease $600
Bladder infection/UTI $400
Eye conditions $300

Without dog health insurance, vet bills can be costly. Caring for a dog or puppy can be expensive, even for routine care. Unexpected illness and injuries can make these costs skyrocket.

It’s super easy to manage your dog insurance policy online! With Top Dog, you can update your policy, add a dog, submit claims, update contact information, update payment information, and manage your account online.

Should I get dog insurance?

None of us like thinking about it, but the truth is that our furry companions may get injured or sick. As the cost of vet bills continues to rise, we can help manage some of those costs with dog insurance.

Dog insurance can help protect your furry child against unexpected vet fees if they get ill or be injured. Though you may be unsure if you need dog insurance, it’s worth keeping in mind that vet fees can add up very quickly and your dog may need ongoing treatment and medication.

Get a quote

To help you decide, get a quote to find out what type of dog insurance policy might be right for you and how much it would cost. You can customize your insurance policy rates so they work best for your dog’s needs and your budget.

This dog insurance is worth your attention.

Wellness Benefit Schedule Low Medium High
Wellness Exam (2 per policy term, max 1/2 per exam) $30 $50 $60
Rabies Vaccine $25 $30 $35
DHLPP Vaccine $25 $30 $35
Bordetella or Lyme Disease Vaccine $0 $0 $35
Heartworm Test or FELV Screen $25 $30 $35
Fecal Exam $25 $30 $35
Wellness Blood Screen $0 $0 $35
Health Certificate $30 $40 $50
Microchip $25 $35 $45
Deworming $25 $30 $35
Dentistry/Cleaning OR Spay/Neuter $0 $40 $60
Skip to content