Best Pet Insurance For Service Animals
Finding the best pet insurance for service animals is essential. Some pet insurance companies offer accident-only coverage, which does not cover conditions like cancer, but would pay for an injury due to an accident. Use our free tool to compare online insurance quotes below.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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A trained service animal is more than the average pet; they require a great deal of expensive training. If you have a guide dog or another type of service animal, taking good care of your companion and protector is a top priority. Pet insurance can help.
While service animals are not pets in the usual sense of the word, they can still qualify for pet insurance. These policies are designed to help you with the cost of veterinary care so that you do not have to worry about a sudden illness or accident leaving you with a bill you are unable to afford.
The Basics of Insurance for Service Dogs and 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.
Wellness care covers you for things like annual well checks, vaccinations, and parasite prevention including heartworm, flea, and tick. In some cases, it may also include some dental care coverage, but that is dependent upon the specific plan.
Illness and accident insurance is designed for the vet bills that you cannot anticipate. These policies cover testing to find out what’s wrong, including x-rays and blood tests, surgeries, hospitalization, prescription medication, and more. This is the most common type of pet insurance because it’s these bills that can climb into the thousands and leave the animal’s owner struggling to afford the needed care.
Some pet insurance companies also offer accident-only coverage, which does not cover conditions like cancer, but would pay for an injury due to an accident. These are affordable plans that do provide some emergency coverage, but it will still leave you open to the costs of any sort of illness or condition. To find the best pet insurance quotes for your service animal or pet, make sure to compare plans and coverage options from various providers. Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
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Specifics of Insurance for Service Dogs and Service Animals
Your service animal is not a pet, it is a working animal. Insurance companies tend to see working animals – dogs in particular – differently from normal pets. Some pet insurance companies exclude working animals from their policies, but the good news is that this usually only applies to dogs that are working in law enforcement, guard dogs, or any other high-risk situation.
Service animals such as guide dogs are not usually in high-risk situations, which means that in most cases they qualify for regular pet insurance policies.
Our Process
Our first priority when selecting our top picks for insuring a guide dog or another service animal was to review the top-rated pet insurance companies overall. This means looking at the companies with a solid reputation for taking care of their customers on two legs and on four.
We then checked all of the policy exclusions on these policies to look for any exclusions for working animals. Of the companies we chose, none exclude service animals, so there should be no difficulty in getting coverage. We also looked for companies that appear to be service animal-friendly.
Affordable, quality pet insurance plans are the final requirement to make our list of recommendations. We chose companies that have a wide range of options to fit various budgets and also provide good value for the money. Where applicable, we looked at common pet insurance discounts as well.
Our Top Recommendations
These three pet insurance companies offer a great value on quality pet insurance coverage for a guide dog or other emotional support animal.
Healthy Paws
Healthy Paws is our top-rated pet insurance company for good reason. They have a great reputation and their plans offer excellent value with enough customization to meet most budgets.
Coverage is extended to working pets, although they do exclude conditions that are the result or racing, breeding, guard or law enforcement, and commercial activities. There are no exclusions on service animals, and their website indicates that they understand how special service animals are.
Read more: Healthy Paws Pet Insurance Review & Complaints
Pets Best
Pets Best offers both accident and illness plans and wellness plans, so full coverage is available to your pet. The plans are comprehensive and have plenty of options to choose from, and their rates are affordable as well. They have an excellent reputation for taking care of customers.
Read more: Pets Best Insurance Review & Complaints: Pet Insurance
Pets Best specifically puts wording in their policy terms that define any service animal not used commercially to be treated the same as a pet for insurance purposes; that means you should not run into any issues when it comes to claims.
PetFirst
Pet First is one of the few insurance companies that does not mention working or service animals anywhere in their exclusions, which makes them a safe bet to cover a wide variety of service animals.
They have the option to add routine care to their accident and illness plans, and they have a range of coverage levels and rates to fit most budgets. While they are not the least expensive pet insurance available, they’re service animal-friendly and have a good reputation.
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Shopping for Insurance for a Service Dog or Service Animal
While we have done the fine print examinations 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 – do qualify for coverage.
There is no general reason why a pet insurance company should have any exclusion that is not in the fine print, but rules do change over time and policy information available online may not be up to date. 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 for coverage. Pet insurance works on a reimbursement basis that is 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.
In order to understand pet insurance and your coverage options, take a minute to read through our full guide to pet insurance. Comparing based on rates alone does not give the full picture since plans vary in terms of what they cover, caps on coverage, deductibles, and percentages of reimbursement. It is important to understand what you’re getting for the price.
The Bottom Line
Since a service animal is slightly different from a household pet, it is important to be sure you are taking out a policy that doesn’t have any exclusions for those differences. The investment in training a service animal is a big one, so make sure your pet insurance policy will protect that investment and be there for you when your special animal needs care. Your one-stop online insurance guide. Get free quotes now! Secured with SHA-256 Encryption
Frequently Asked Questions
What is pet insurance for service animals?
Pet insurance for service animals is a type of insurance policy that covers the costs associated with medical care for service animals such as guide dogs, hearing dogs, and therapy animals.
What should I look for in a pet insurance policy for my service animal?
When looking for a pet insurance policy for your service animal, consider factors such as coverage for routine check-ups and emergency care, coverage for prescription medications, and the ability to choose your veterinarian. It is also important to ensure that the policy covers any pre-existing conditions your service animal may have.
What are some of the best pet insurance companies for service animals?
Some of the best pet insurance companies for service animals include Embrace, Healthy Paws, Petplan, and Trupanion. These companies offer comprehensive coverage options and allow you to choose your veterinarian.
Are there any discounts available for pet insurance for service animals?
Many pet insurance companies offer discounts for service animals. For example, Embrace offers a discount for service animals that are registered with an accredited organization, and Healthy Paws offers a discount for pets that are trained to provide emotional support.
How much does pet insurance for service animals typically cost?
The cost of pet insurance for service animals varies depending on factors such as the animal’s age, breed, and medical history, as well as the coverage options chosen. On average, pet insurance for service animals can cost anywhere from $20 to $50 per month.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.