Best Pet Insurance for Service Animals in 2025 (Top 10 Companies Ranked)

Best for Animals: Healthy Paws

0 reviews

Compare Rates →

4.4

Table of Contents

Toggle

Company Facts

Pet Insurance

$44/mo

A.M. Best Rating

N/A

Complaint Level

Low

» Healthy Paws Pet Insurance Review

0 reviews

Compare Rates →

2nd Best for Service Animals: Embrace

0 reviews

Compare Rates →

4.5

Company Facts

Pet Insurance

$42/mo

A.M. Best Rating

N/A

Complaint Level

Low

» Embrace Pet Insurance Review

0 reviews

Compare Rates →

3rd Best for Service Animals: Nationwide

3,071 reviews

Compare Rates →

4.0

Company Facts

Pet Insurance

$40/mo

A.M. Best Rating

A+

Complaint Level

Low

» Nationwide Pet Insurance Review

3,071 reviews

Compare Rates →

The best pet insurance for service animals includes Healthy Paws, Embrace, and Nationwide. Rates start at $25 per month, and they offer significant discounts.

While Healthy Paws is known for its claims, Embrace and Nationwide are at the top of the list for offering essential pet insurance plans and care.

Our Top 10 Company Picks: Best Pet Insurance for Service Animals

Insurance Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$44	A++	Unlimited Coverage	Healthy Paws
	#2	$42	A+	Custom Wellness	Embrace
	#3	$40	A+	Exotic Coverage	Nationwide
	#4	$45	A-	Direct Payments	Trupanion
	#5	$39	A	Budget-Friendly	ASPCA
	#6	$35	A	Fast Claims	PetPlan
	#7	$41	A-	Tech Features	Figo
	#8	$40	A	Flexible Plans	Spot
	#9	$37	A+	Multiple Pets	MetLife
	#10	$38	A	Accident-Only Plans	Pets Best

This guide reviews the best pet insurance for service animals, outlining coverage for accidents, illnesses, and routine care. It includes company comparisons, exact monthly costs, and available discounts. Enter your ZIP code to view specific policy options in your area.

#1 – Healthy Paws: Top Overall Pick

Pros

• Comprehensive Insurance: This policy covers all medical requirements for service animals, including chronic illness. Explore further details in our “Healthy Paws Pet Insurance Review.”
• Lifetime Coverage Insurance: Service animals are covered at any age or breed.
• Rapid Claim Payment Insurance: Reimburses medical costs of service animals promptly, lessening the owner’s burden.

Cons

• No Wellness Insurance: Lacks preventive care for service animals, requiring separate wellness coverage.
• High Deductible Insurance: Older service animals may face increased costs before coverage applies.

#2 – Embrace: Best for Wellness Plans

Pros

• Holistic Coverage: Also benefits service animals’ well-being, e.g., regular checkups. Explore further in our “Embrace Pet Insurance Review & Complaints.“
• Alternative Therapy: Insures acupuncture and chiropractic treatment for service animals requiring recovery assistance.
• Customizable Plans: Enables owners of service animals to tailor coverage according to individual healthcare requirements.

Cons

• Annual Limitations: Caps service animals’ yearly benefits, restricting high-cost treatments.
• Waiting Period: Service animals must wait before complete accident and illness coverage starts.

#3 – Nationwide: Best for Virtual Care

Pros

• 24/7 Virtual Care: Offers remote vet consultations for service animals requiring immediate advice.
• Broad Coverage: Covers hereditary conditions in service animals without breed exclusions.
• Multi-Pet Discount: Provides discounts to owners with multiple service animals covered under one policy.

Cons

• Limited Exotic Coverage: Service animals, not dogs or cats, may have fewer coverage options. Delve into the specifics in “Nationwide Pet Insurance Review & Complaints.”
• Pricey Premiums: Monthly rates for service animals can be higher than those of some competitors.

#4 – Trupanion: Best for Direct Payments

Pros

• No Out-of-Pocket Costs: This enables direct payment to veterinarians for service animal treatment, reducing owners’ financial burden.
• Unlimited Payout: Insurance covers with no yearly or lifetime limit for coverage of medical expenses related to service animals.
• One Simple Plan: Insurance offers complete coverage for each service animal with a simplified-to-read policy that won’t leave anything vague.

Cons

• No Wellness Add-On: Plans do not include coverage for routine care for service animals. Enhance your knowledge by reading our “Best Pet Insurance.”
• Strict Age Requirements: Older service animals may be ineligible for new policy applications.

#5 – ASPCA: Best for Holistic Coverage

Pros

• Comprehensive Alternative: Pays for holistic therapies for service animals, such as hydrotherapy.
• Behavioral Therapy: Centers on the unique care needs of service animals that need specialized training.
• Microchip Discount: Promotes microchipping service animals for identification and safety reasons.

Cons

• Annual Deductible: Requires yearly resets, increasing long-term care costs for service animals.
• Reimbursement Caps: Limits coverage for certain service animal treatments. Find out more by reading our “ASPCA Pet Health Insurance Review and Complaints.”

#6 – PetPlan: Best for Cloud Benefits

Pros

• Digital Insurance Tools: Submitting insurance claims for service animals is fast with an entirely paperless, online system.
• International Insurance Access: This insurance covers service animals traveling abroad, including emergency vet visits overseas.
• Flexible Vet Options: Service animals are insured for treatment by any licensed veterinarian without restrictive provider networks..

Cons

• Insurance Age Restrictions: Senior service animals might have restricted insurance benefits or may not qualify for certain types of care.
• Slower Claim Processing: Insurance payouts for service animals may take longer to process than those of industry-leading competitors.

#7 – Figo: Best for Customizable Coverage

Pros

• Adjustable Deductible: Allows owners to manage how much they spend on service animals’ care per year.
• Cloud-Based Support: The virtual platform simplifies claim processing for the healthcare needs of service animals across various
• Emergency Care: Offers after-hours and specialty care for service animals in emergency scenarios.

Cons

• No Routine: Lacks wellness coverage, requiring separate preventive care plans for service animals.
• Premium Increase: Monthly costs may rise as service animals age or develop conditions.

#8 – Spot: Best for No Caps

Pros

• Unlimited Reimbursement: Service animals have no payment limits, so complete care is covered.
• Multiple Discount: Provides various savings options to service animal owners looking for affordability.
• Flexible Policy: Permits service animals to be covered without breed exclusions.

Cons

• Waiting Periods: Service animals must wait for coverage under certain conditions.
• Premium Fluctuation: Premium costs for service animals can fluctuate from $25 to $60 monthly, depending on their well-being and condition.

#9 – MetLife: Best for Fast Reimbursement

Pros

• Quick Payout: Expedites service animals’ claims quicker than most competitors, relieving financial burdens. Refer to our “MetLife Insurance Review & Complaints.”
• Employer Discount: Provides employment-based savings for service animal owners with qualifying jobs.
• Accident-Only Plan: Offers an inexpensive alternative for service animals that require emergency coverage.

Cons

• Limited Routine: Lacks a standard wellness add-on for service animals’ preventive treatments.
• Higher Costs: Premiums for service animals may be higher than those of competitors.

#10 – Pets Best: Best for Comprehensive Coverage

Pros

• All-Inclusive Plan: Provides coverage for hereditary, chronic, and accident-related conditions for service animals.
• Behavioral Issues: Covers service animals for anxiety or training-related medical issues. Explore further in this “Pets Best Insurance Review & Complaints.”
• Multiple Pet Discount: Discount premiums are available for owners who are insuring more than one service animal on one policy.

Cons

• Claim Process Time: Some service animals’ owners report slower reimbursements on medical claims.
  Wellness Exclusions: This does not include routine care coverage for service animals’ general health.

Exploring Insurance for Service Animals

Insuring your service animal on a pet insurance plan is much the same as any other animal. You will want to get coverage for sudden illnesses or accidents, and you may also want to consider wellness care coverage to pay for routine veterinary services.

Pet Insurance Discounts From the Top Providers for Service Animals

Insurance Company	Available Discounts
	Microchip Discount, Preventative Care Discount, Good Payer Discount, Shelter Adoption Discount
	Healthy Pet Discount, Spay/Neuter Discount, Early Signup Discount, Annual Pay Discount
	Flexible Payment Discount, Referral Program Discount, Paperless Billing Discount, Loyalty Discount
	Multi-Pet Discount, No Claims Discount, Online Enrollment Discount, Loyalty Discount
	Employee Benefits Discount, Family Member Discount, Multi-Pet Discount, Online Application Discount
	Multi-Policy Bundling Discount, Workplace Discount, AARP Member Discount, Safe Pet Discount
	Veterinary Staff Discount, Annual Renewal Discount, Healthy Pet Discount, Referral Discount
	Annual Pay Discount, Low-Risk Breed Discount, Group Membership Discount, First-Year Signup Discount
	Military Discount, Online Enrollment Discount, Wellness Package Discount, Adoption Discount
	Service Dog Discount, Direct Payment Discount, Multi-Year Coverage Discount, First Responder Discount

Wellness care covers you for things like annual good checks, vaccinations, and parasite prevention, including heartworm, flea, and tick. Sometimes, it may also include some dental care coverage, but that depends on the specific plan.

Pet Insurance Monthly Rates by Provider: Cats vs. Dogs

Insurance Company	Cats	Dogs
	$24	$39
	$29	$42
	$26	$41
	$28	$44
	$23	$37
	$27	$40
	$25	$38
	$22	$35
	$26	$40
	$30	$45

Illness and accident insurance is designed for vet bills that you cannot anticipate. To determine what’s wrong, these policies cover testing, including X-rays and blood tests, surgeries, hospitalization, prescription medication, and more.

Cat vs. Dog Pet Insurance Costs for Service Animals

Service animal insurance costs vary by species and age. Dogs are generally more expensive to insure due to higher risks, physical demands, and breed-specific conditions. Often used as emotional support animals, cats tend to have lower premiums.

Pet Insurance Average Premiums for Dogs by Age

Why It Costs More:
Service dogs face higher injury and illness risks from active roles. Premiums rise sharply with age due to joint issues, chronic conditions, and rehab needs.

Pet Insurance Average Premiums for Cats by Age

Why It’s Lower:
Service cats have fewer health risks and are less prone to injuries. Their premiums increase more gradually, making them more affordable in the long term.

Bottom Line
Dogs cost nearly 2x more to insure than cats at every age. Enrolling young helps lock in lower rates and avoid exclusions. Choose a plan that covers your animal’s specific service role, from mobility assistance to emotional support.

Detailed Insurance Types and Coverage for Service Animals

Service dog insurance generally covers liability protection to shield the owners from expenditures related to injury or damage caused by the service dog. It reduces the risks of financial implications in accidents or incidents involving the service dog.

The Basics of Insurance for Service Dogs and Service Animals

Veterinary insurance pays for medical bills for illness, injury, or accident, including regular care and treatment for genetic disorders. It helps ensure that service dogs receive the medical care they need without paying much out-of-pocket.

Specifics of Insurance for Service Dogs and Service Animals

Other coverage can be service dog training and certification insurance, which covers the cost of specialized programs. Travel insurance insures the dog if it gets injured or lost during travel, while equipment coverage insures vital items such as harnesses and vests.

Shopping for Service Dog or Service Animal Insurance

While we have examined the fine print of all of the companies above to search for any exclusions applying to guide dogs and service animals, the first question to ask when shopping for pet insurance is to confirm that all service animals—and yours in particular—qualify for coverage.

Our Top Recommendations for Service Dog and Service Animal Insurance

Insurance Provider	Best For	Key Benefits
	Comprehensive Pet Health Insurance	Covers accidents, illnesses, hereditary conditions, and alternative therapies
	Customizable Coverage	Offers wellness plans, alternative therapy coverage, and coverage for congenital conditions
	Affordable Premiums	Cloud-based claims processing, 24/7 vet access, and no lifetime caps on coverage
	Best for Multiple Pets	Covers multiple pets under one policy with wellness options
	No Payout Limits	Direct vet payment option and 90% reimbursement on eligible expenses
	Best for Service Dog-Specific Needs	Covers exam fees, alternative therapy, and specialized service dog coverage
	Extensive Coverage	Includes dental, hereditary conditions, and behavioral therapies
	Best for Military Families	Exclusive discounts for military families and competitive coverage options

There is no general reason why a pet insurance company should have any exclusion not in the fine print. Still, rules change over time, and online policy information may not be current.

Asking is always your best bet, and it will prevent the insurance company from claiming you weren’t upfront about your service animal when applying. Once you have confirmed that your pet qualifies for coverage, take the time to consider the various options.

Shopping for Insurance for a Service Dog or Service Animal

Pet insurance works on a reimbursement basis, a percentage of the bill, so it is important to weigh what you are willing to pay monthly for premiums against the out-of-pocket costs you’ll be responsible for in the event of a claim. To understand pet insurance and your coverage options, take a minute to read through our full guide to pet insurance.

The Bottom Line on Insurance for Service Dogs and Service Animals

Comparing based on rates alone does not give the complete picture since plans vary in terms of what they cover, caps on coverage, deductibles, and reimbursement percentages. It is essential to understand what you’re getting for the price.

Read more: Exotic Pet Ownership 

The Best Pet Insurance for Service Dogs or Service Animals

Since a service animal is slightly different from a household pet, you must be sure you are taking out a policy with no exclusions for those differences. Leading carriers such as Healthy Paws, Embrace, and Nationwide provide Illness and Accident Coverage to safeguard service animals from unforeseen medical expenses. Read more: 24PetWatch Insurance Review

Essential considerations are reimbursement rates, deductibles, and exclusions, influencing affordability and coverage. Selecting a plan with wellness benefits and liability coverage guarantees complete care and ongoing support.

This guide highlighted the best pet insurance for service animals, including Healthy Paws, Embrace, and Nationwide, which offer the most affordable rates for unlimited claims, discounts, wellness plans, and virtual care. Enter your ZIP code to see more of these providers.