Best Pet Insurance for Service Animals in 2025 (Top 10 Companies Ranked)
The best pet insurance for service animals comes from Healthy Paws, Embrace, and Nationwide, starting at $ 25 monthly. Healthy Paws covers unlimited claims, Embrace offers wellness discounts, and Nationwide provides virtual care. Pet insurance for service dogs helps cover accidents, illnesses, and routine care.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Mar 25, 2025
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UPDATED: Mar 25, 2025
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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Full Coverage for Service Animals
A.M. Best Rating
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3,071 reviewsCompany Facts
Full Coverage for Service Animals
A.M. Best Rating
Complaint Level
3,071 reviewsThe best pet insurance for service animals includes Healthy Paws, Embrace, and Nationwide, with rates starting at $00 per month, offering significant discounts and affordable rates.
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 | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 5% | A++ | Unlimited Claims | Healthy Paws |
 | #2 | 10% | A+ | Wellness Plans | Embrace |
 | #3 | 5% | A+ | Virtual Care | Nationwide |
 | #4 | 7% | A- | Direct Payments | Trupanion |
 | #5 | 6% | A | Holistic Coverage | ASPCA |
 | #6 | 8% | A | Cloud Benefits | PetPlan |
 | #7 | 5% | A- | Customizable Coverage | Figo |
 | #8 | 7% | A | No Caps | Spot |
 | #9 | 10% | A+ | Fast Reimbursement | MetLife |
 | #10 | 6% | A | Comprehensive Coverage | Pets Best |
- The best pet insurance for service animals covers accidents, illnesses, and routine care
- Policies should include wellness plans, discounts, and virtual care options
- Healthy Paws offers top coverage with unlimited monthly claims starting at $25
This guide will provide an insurance company review for trained service animals and policies designed to help you with the cost of veterinary care. See more of this information by entering your ZIP code above.
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#1 – Healthy Paws: Top Overall Pick
Pros
- Comprehensive Insurance: Insures all medical requirements for service animals, including chronic illness. Explore further details in our “Healthy Paws Pet Insurance Reviews.”
- Lifetime Coverage Insurance: Service animals are covered at any age or breed.
- Rapid Claim Payment Insurance: Reimburses medical costs of service animals promptly, lessening owner 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 Insurance Coverage: Also benefits service animals’ well-being, e.g., regular checkups. Explore further in our article titled “Embrace Pet Insurance Review & Complaints.“
- Alternative Therapy Insurance: Insures acupuncture and chiropractic treatment for service animals requiring recovery assistance.
- Customizable Plan Insurance: Enables owners of service animals to tailor coverage according to individual healthcare requirements.
Cons
- Annual Limitations Insurance: Caps service animals’ yearly benefits, restricting high-cost treatments.
- Waiting Period Insurance: Service animals must wait before complete accident and illness coverage starts.
#3 – Nationwide: Best for Virtual Care
Pros
- 24/7 Virtual Insurance: Offers remote vet consultations for service animals requiring immediate advice.
- Broad Coverage Insurance: Covers hereditary conditions in service animals without breed exclusions.
- Multi-Pet Discount Insurance: Provides discounts to owners with multiple service animals covered under one policy.
Cons
- Limited Exotic Insurance: Service animals, not dogs or cats, may have fewer coverage options. Delve into the specifics in our article called “Nationwide Pet Insurance Review & Complaints.”
- Pricey Premium Insurance: Monthly rates for service animals can be higher than those of some competitors.
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#4 – Trupanion: Best for Direct Payments
Pros
- No Out-of-Pocket Insurance: 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 Insurance: Pays for holistic therapies for service animals, such as hydrotherapy.
- Behavioral Therapy Insurance: Centers on the unique care needs of service animals that need specialized training.
- Microchip Discount Insurance: Promotes microchipping service animals for identification and safety reasons.
Cons
- Annual Deductible Insurance: Requires yearly resets, increasing long-term care costs for service animals.
- Reimbursement Caps Insurance: 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
- Paperless Insurance Administration: Electronic claims make monitoring service animals’ coverage easy and convenient.
- Travel Coverage Insurance: Covers service animals globally, guaranteeing access to foreign veterinary services.
- Vet Selection Insurance: Permits service animals to be treated by any licensed veterinarian.
Cons
- Age-Based Limits Insurance: Older service animals may face restrictions on specific treatment coverages.
- Claim Approval Time Insurance: Reimbursements for service animals can take longer than those of competitors.
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#7 – Figo: Best for Customizable Coverage
Pros
- Adjustable Deductible Insurance: Allows owners to manage how much they spend on service animals’ care per year.
- Cloud-Based Support Insurance: The virtual platform simplifies claim processing for the healthcare needs of service animals.
- Emergency Care Insurance: Offers after-hours and specialty care for service animals in emergency scenarios.
Cons
- No Routine Insurance: Lacks wellness coverage, requiring separate preventive care plans for service animals.
- Premium Increase Insurance: Monthly costs may rise as service animals age or develop conditions.
#8 – Spot: Best for No Caps
Pros
- Unlimited Reimbursement Insurance: Service animals have no payment limits, so complete care is covered.
- Multiple Discount Insurance: Provides various savings options to service animal owners looking for affordability.
- Flexible Policy Insurance: Permits service animals to be covered without breed exclusions.
Cons
- Waiting Periods Insurance: Service animals must wait for coverage on certain conditions.
- Premium Fluctuation Insurance: Monthly insurance costs may change based on the service animals’ health history.
#9 – MetLife: Best for Fast Reimbursement
Pros
- Quick Payout Insurance: Expedites service animals’ claims quicker than most competitors, relieving financial burdens. For additional insights, refer to our “Metlife Insurance Review & Complaints.”
- Employer Discount Insurance: Provides employment-based savings for service animal owners with qualifying jobs.
- Accident-Only Plan Insurance: Offers an inexpensive alternative for service animals that require emergency coverage.
Cons
- Limited Routine Insurance: Lacks a standard wellness add-on for service animals’ preventive treatments.
- Higher Costs Insurance: Premiums for service animals may be higher than those of competitors.
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#10 – Pets Best: Best for Comprehensive Coverage
Pros
- All-Inclusive Plan Insurance: Provides coverage for hereditary, chronic, and accident-related conditions for service animals.
- Behavioral Issues Insurance: Covers service animals for anxiety or training-related medical issues. Explore further with our article entitled “Pets Best Insurance Review & Complaints.”
- Multiple Pet Discount Insurance: Discounts premiums for owners insuring more than one service animal on one policy.
Cons
- Claim Process Time Insurance: Some service animals’ owners report slower reimbursements on medical claims.
Wellness Exclusions Insurance: This does not include routine care coverage for service animals’ general health.
Exploring 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.
Service Animals Pet Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $28 | $52 |
| $30 | $55 |
| $27 | $51 |
| $35 | $60 |
| $33 | $59 |
| $25 | $50 |
| $32 | $58 |
| $26 | $48 |
| $29 | $54 |
| $40 | $70 |
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 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 |
Illness and accident insurance is designed for vet bills that you cannot anticipate. These policies cover testing, including X-rays and blood tests, surgeries, hospitalization, prescription medication, and more, to find out what’s wrong.
This is the most common type of pet insurance because these bills can climb into the thousands and leave the animal’s owner struggling to afford the needed care.
The Basics of Insurance for Service Dogs and Service Animals
| Category | Details |
|---|---|
| Liability Coverage | Protects against injuries or damages caused by the service dog |
| Veterinary Insurance | Covers medical expenses for illness or injury |
| Training Coverage | May cover costs for service dog training and certification |
| Travel Insurance | Covers expenses if the service dog is lost or injured during travel |
| Equipment Coverage | Protects specialized service dog gear (harnesses, vests, etc.) |
| Homeowners/Renters Policy | Some policies cover service dogs under liability protection |
| ADA Compliance | Federal laws protect service dog owners from discrimination |
| Provider Examples | Nationwide, Embrace, AKC Pet Insurance, Healthy Paws |
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.
Specifics of Insurance for Service Dogs and Service Animals
| Insurance Type | Coverage Details |
|---|---|
| Liability Insurance | Covers injuries or damages caused by the service dog to others. Some homeowner’s or renter’s policies include this, but separate policies may be needed for additional protection. |
| Pet Health Insurance | Covers medical expenses for service dogs, including illness, accidents, and sometimes routine care. Policies may include coverage for hereditary conditions. |
| Service Dog Training Insurance | Some policies cover the costs of training a service dog, including specialized programs and certifications. |
| Travel Insurance | Provides coverage if a service dog is lost, injured, or needs emergency medical care while traveling. Some policies also cover international travel. |
| Disability-Specific Coverage | Insurance policies may provide additional assistance for handlers with disabilities, ensuring continuity of service in case of dog injury or illness. |
| Equipment Coverage | Covers specialized service dog gear such as harnesses, mobility assistance equipment, and vests if lost, stolen, or damaged. |
| Loss or Theft Coverage | Provides reimbursement or assistance if a service dog is stolen or goes missing. Some policies may even assist in locating a lost dog. |
| Homeowners/Renters Insurance | May offer liability coverage for service dogs, but exclusions may apply depending on the insurer and dog breed. |
| Workplace Coverage | Some employers provide coverage for service dogs in the workplace under disability accommodations. |
These affordable plans provide some emergency coverage, but they 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, compare plans and coverage options from various providers by entering your ZIP code.
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 policy information available online 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
| Step | Details |
|---|---|
| Assess Your Needs | Determine the type of coverage required, including liability, health insurance, training coverage, and equipment protection. |
| Compare Providers | Research different insurance companies that offer pet and service dog insurance. Look for specialized service dog coverage. |
| Check Policy Exclusions | Review what is not covered, such as pre-existing conditions, breed restrictions, or training expenses. |
| Consider Liability Coverage | Ensure you have protection against injuries or damages caused by your service dog, as some homeowner’s policies may not cover service animals. |
| Look for Health Insurance | Find pet insurance that covers illnesses, accidents, and hereditary conditions to keep your service dog in good health. |
| Evaluate Discounts & Bundling | Check for multi-pet discounts, bundling options with home or auto insurance, and loyalty savings. |
| Understand the Claims Process | Choose an insurer with an easy claims process and fast reimbursement times. |
| Get a Quote & Compare Costs | Obtain quotes from multiple providers and compare monthly premiums, deductibles, and reimbursement rates. |
| Read Customer Reviews | Look at customer feedback, complaint ratios, and ratings from sources like the Better Business Bureau (BBB) and Trustpilot. |
| Confirm ADA & Legal Compliance | Ensure your policy aligns with ADA protections and any relevant state laws regarding service animals. |
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
| Key Takeaway | Summary |
|---|---|
| Essential Coverage is a Must | Liability and health insurance are crucial to protect both the service dog and its handler. |
| Not All Policies Cover Service Dogs | Some homeowners and renters insurance policies may exclude service dogs or have breed restrictions. |
| Compare Multiple Providers | Shopping around and comparing policies helps find the best coverage and value. |
| Check for Hidden Exclusions | Always read the fine print to understand what is not covered, such as pre-existing conditions or specific training costs. |
| Look for Discounts & Bundles | Many insurers offer discounts for bundling with auto or home insurance. Military and multi-pet discounts may also be available. |
| ADA Protections Exist, But Don’t Cover Insurance | While service dogs are protected under the ADA, there is no federal law requiring insurance companies to cover them. |
| Choosing the Right Policy Matters | The right insurance can provide peace of mind, ensuring the service dog receives the necessary care and protection. |
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
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The Best Pet Insurance for Service Dogs or Service Animals
Since a service animal is slightly different from a household pet, it is essential to be sure you are taking out a policy with no exclusions for those differences.
To better understand the process of shopping for the best pet insurance for service animals, one must know how to compare rates and what these companies are known for.
Kristine Lee Licensed Insurance Agent
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.
Read more: 24PetWatch Insurance Review
Frequently Asked Questions
Where can I purchase insurance for a service dog specifically?
You can purchase service dog insurance through Nationwide, Trupanion, and Figo, which provide medical expense and liability protection. If you’re curious, insurance does indeed cover service dogs; it all depends on the provider and the policy specifics.
What makes service dog pet insurance different from regular pet insurance?
It often includes coverage for work-related injuries, liability protection, and sometimes reimbursement for specialized training costs, making service dogs covered by insurance more comprehensive than standard pet policies.
Is there an insurance policy that covers a service dog’s life?
Yes, some insurers offer accidental death and dismemberment insurance, and service dog liability insurance may also include compensation for loss, theft, or incidents involving the dog.
Does Healthy Paws provide an AAA discount on pet insurance plans?
Healthy Paws has previously offered AAA discounts, but availability has changed. Check their website or call customer service for current offers, especially when comparing options like the best pet insurance in Arkansas.
What types of expenses does service dog insurance typically reimburse?
Service dog insurance, including policies like AllState pet insurance, covers vet visits, emergency care, surgeries, prescription medications, rehabilitation, and liability costs if the dog causes injury or damage.
Which pet insurance provider in Wyoming offers the most coverage for service dogs?
Nationwide and Trupanion offer the most comprehensive coverage in Wyoming, including illness, injury, and some service-related expenses.
How do I apply for an AAA discount with Healthy Paws pet insurance?
If available, you can apply the discount by providing your AAA membership number when enrolling or by contacting their support team.
Why is health insurance for service dogs necessary for long-term care?
It ensures ongoing access to medical care, covers chronic conditions and protects against high vet costs due to injuries or age-related illnesses.
What do customers say about Affiliated Veterinary Emergency Service?
Reviews highlight fast emergency response and skilled veterinarians but mention occasional long wait times. Checking Google or Yelp can provide up-to-date feedback.
Can I use my health insurance to help pay for a service dog?
Most health insurance plans do not cover service dogs, but costs may be offset through HSAs, FSAs, disability benefits, or nonprofit grants.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.