Dog Insurance Plans for Puppies & Adult Dogs
Proposed starting prices of $12–$15/month*. Help protect your dog from sudden accidents, unexpected illnesses, diagnostic imaging, emergency hospitalization, and surgical expenses at any licensed U.S. veterinarian.
Why U.S. Dog Owners Invest in Pet Health Protection
Dogs explore the world with boundless curiosity—and sometimes that leads to emergency vet visits for swallowed socks, torn cruciate ligaments, lacerated paws, or seasonal ear and skin infections. A single orthopedic surgery or emergency hospitalization in the United States can easily cost $3,000 to $6,500+.
- Any Licensed U.S. Vet: Visit your neighborhood clinic, orthopedic specialist, or 24/7 emergency animal hospital.
- All Breeds Welcome: From mixed-breed rescues and French Bulldogs to Labs, German Shepherds, and Golden Retrievers.
- Flexible Cost-Sharing: Compare annual deductibles ($100–$500) and reimbursement tiers (70%, 80%, or 90%).
Complete Breakdown of Dog Coverage & Policy Rules
Review every component of our Dog Insurance framework, including optional wellness packages, waiting periods, and pre-existing exclusions.
Accident Coverage
Covers acute physical trauma including motor vehicle accidents, bone fractures, torn nails, dog-park bite wounds, bee stings, heatstroke, foreign body ingestion (toys, bones, clothing), and accidental toxin ingestion.
Illness Coverage
Covers new illnesses diagnosed after the waiting period: ear infections (otitis), atopic dermatitis/allergies, gastroenteritis, parvovirus, pancreatitis, hip/elbow dysplasia, intervertebral disc disease (IVDD), diabetes, and canine cancer.
Diagnostic Tests
Reimburses diagnostic workups ordered by your veterinarian to diagnose covered injuries or illnesses—including CBC/chemistry bloodwork, urinalysis, cytology, digital radiographs (X-rays), abdominal ultrasounds, CT scans, and MRIs.
Emergency Treatments
Helps cover emergency clinic exam fees, IV fluid therapy, oxygen supplementation, gastric lavage/decontamination for toxins, emergency stabilization, and 24-hour ICU hospitalization.
Surgeries
Covers medically necessary canine surgeries such as cranial cruciate ligament (TPLO/lateral suture) surgery, foreign-body enterotomy, bloat (GDV) gastropexy, fracture plating, and mass/tumor removals.
Prescription Medications
Covers veterinarian-prescribed medications for covered conditions—including antibiotics, pain management, allergy treatments, anti-seizure medications, eye drops, and oncology therapeutics.
Optional Wellness Packages
Add optional preventive care to reimburse routine dog care: annual physical exams, core vaccines (Rabies, DHPP, Bordetella, Leptospirosis), heartworm & fecal tests, routine dental cleanings, and flea/tick prevention options.
Waiting Period Explanations
Waiting periods apply from your policy effective date before coverage begins. Typical U.S. benchmarks are 2 to 14 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events. Optional wellness benefits typically start the next day.
Pre-Existing Condition Exclusions
Conditions showing clinical signs, symptoms, or diagnoses prior to policy enrollment or during the applicable waiting period are classified as pre-existing and are excluded from coverage. Enrolling puppies early offers the broadest protection.
Proposed Starting Price ($12–$15/month*) vs. Actual Underwritten Quote
SureCare's $12–$15/month figure for Dog Insurance is a proposed starting price benchmark for base coverage and is not a binding quote or guarantee of premium. Actual dog insurance rates vary significantly based on breed size (e.g., Chihuahua vs. Great Dane), age, U.S. state/ZIP code, and licensed carrier underwriting.