6 Best Delaware (DE) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

Choosing the right Delaware dog insurance can be baffling as you sort through the different plans. As a licensed Delaware insurance agent and lifelong dog owner, I realize the confusion and so I’ve done all the research for you. Whether you live in Wilmington, Newark, Mitford, Dover, or any other town in Delaware, this article has what you need. Read more about our unbiased ranking methodology and advertiser disclosure.

Top DE Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Delaware. The average monthly Delaware-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Delaware with a 19904 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$36.55/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Delaware vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$42.77/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$51.77/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$72.05/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
spot pet insurance
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$44.84/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

figo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Delaware pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN DELAWARE

$36.55/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Delaware vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

How much does dog insurance cost in Delaware for the 15 most popular breeds?

The price for Delaware dog insurance is almost always the same throughout the state including in Wilmington, Newark, Mitford, or Dover etc. However, the prices will vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Delaware we suggest getting a quote directly with Figo or Eusoh.

  1. Mixed Breed – $26.83/ mo
  2. Labrador Retriever – $36.55/ mo
  3. Golden Retriever – $36.48/ mo
  4. German Shepherd – $39.43/ mo
  5. Goldendoodle – $31.73/ mo
  6. Chihuahua – $16.68/ mo
  7. Siberian Husky – $36.65/ mo
  8. Yorkshire Terrier – $23.04/ mo
  9. American Pit Bull Terrier – $40.58/ mo
  10. Australian Shepherd – $25.23/ mo
  11. Dachshund – $23.80/ mo
  12. Shih Tzu – $21.20/ mo
  13. French Bulldog – $50.18/ mo
  14. Boxer – $50.38/ mo
  15. Labradoodle – $31.73/ mo

Not finding your specific dog breed? Figo pet insurance is our #1 recommendation for Delaware and they’ll be able to give you a quick quote for your exact needs.

Delaware Dog Insurance FAQs

How does dog insurance work and why is it useful in Delaware?

When you sign with a puppy insurance company, you pay a monthly fee to keep the policy active. Generally, insurance plans cover medical tests, emergency care, exam fees, surgery due to unexpected injury, medications, and illnesses. If your dog is hurt from an accident, you pay for the treatment, then submit a claim to the insurance, and they’ll reimburse you. Most insurance companies won’t cover a dog’s pre-existing condition. Because of this, we suggest you sign up for insurance while your dog is a puppy, typically around 8 weeks old.

In Delaware, canine insurance helps pay for high vet bills such as treatments for illnesses like cancer, which can run over $10,000. Uninsured dog owners could find themself needing to make the difficult decision to put their dog down if they can’t afford this type of treatment. This guarantees you’ll never face a situation like this.

How old should my puppy be to get insured?

Typically, puppy insurance companies suggest you sign up your puppy when they’re no less than 8 weeks old. Most providers don’t set age limits, but the younger a dog is the cheaper it is to insure, compared to an older dog. We suggest you get insurance for your dog before it turns a year old.

Do I need dog insurance in Delaware?

It’s no secret that vet bills can add up. You may end up spending $3,000 or more for an emergency vet visit if your dog cuts their paw or eats a sock off the floor. When you have dog insurance, you pay a monthly insurance premium instead of paying high out-of-pocket costs. Depending upon where you live in the state, Delaware veterinarians may be higher than in other states.

What is covered and what’s excluded with dog insurance?

Insurance coverage can vary depending on which insurance you choose, but accidents and illnesses are typically covered. Besides these, your canine insurance usually covers

  • Broken bones
  • Ear or eye infections
  • Allergies and the allergy tests
  • Swallowing something dangerous, like a toy or a sock

But as we mentioned, pre-existing conditions like cancer aren’t covered when you sign your dog up for insurance. Most insurance companies offer a “wellness package” as an add-on to cover items such as

  • Heartworm checks and prevention
  • Vaccinations
  • Routine check-ups

Explain how reimbursement works?

Reimbursement isn’t complicated. Suppose you sign up for a plan with a 90% reimbursement rate along with a $250 deductible and a $20,000 annual maximum benefit. Then, if something happens to your dog that costs $10,000 for surgery, your insurance will reimburse you $9,000, minus the deductible of $250. So you end up paying $1250 out of pocket instead of $10,000.

Trupanion is one pet insurance company that provides payment directly to your vet when they’re in-network. This means there are no out-of-pocket fees.

Is it better to have a lower deductible?

Yes, it’s better to have a lower deductible because although it means a higher monthly fee for you, you’ll pay less out of pocket in case of an emergency vet visit. Of course, you know your financial situation, so you can do the math, but most providers offer an easy-to-use calculator when they give you a quote, which makes it easier to determine what you should do. We see that most dog owners choose the $250 or $500 deductible.

Are there restricted dog breeds for homeowners’ insurance in Delaware?

All states have some restrictions for homeowners’ insurance on certain breeds of dogs and on certain insurance providers. These may include but aren’t limited to

  • Wolfhounds
  • Rottweilers
  • Akitas
  • Doberman Pinschers
  • Chow Chows
  • Pit bull terriers
  • Bull mastiffs
  • German Shepherds

We advise you to contact your local homeowners’ insurance provider to determine what your policy includes or excludes dog breeds and whether or not you will need to get a specific liability rider on your insurance.

5 Useful Strategies for Keeping Your Dog Safe & Healthy in Delaware

1. Lyme Disease

Although Lyme disease occurs in many states, Delaware has a high rate of this canine disease. The deer tick that carries Lyme disease lives in tall grassy areas, marshes, and thick brush prevalent in Delaware. A tick on your dog can make them sick within 24 to 48 hours. If you live in Delaware, be sure to ask your vet about the dog Lyme vaccine that prevents this debilitating disease.

2. Avoid water pests

Because Delaware is on the water, it means lots of water fun. If your dog loves to get into the water, be sure to protect them from dangerous pests like jellyfish or sea lice. These water pests can cause injury to your dog that will need vet care.

3. Hot weather

Delaware gets humid and hot in the summer months. Be sure to protect your dog during the summer months. Dogs get dehydrated just like humans, so provide your pup with lots of water and be sure they’re not out in the sun too long.

4. Never leave your dog alone in a car

Never leave your buddy in the car; it’s just too risky. Most people don’t realize how hot it gets inside a car. On average, the temperature inside a vehicle is approximately 43 degrees higher than the outside temperature. So, if the temperature outside is 60 degrees, inside your car, it’s 103 degrees.

5. Avoid giving your dog chicken bones

Keep chicken bones away from your dog. These tiny bones break easily, making them a choking hazard for your dog.

5 Unique Dog Rescue Shelters in Delaware

Are you looking for a new dog? We suggest you check out these five recommended dog rescue shelters in Delaware. We think that adopting a dog is a great way to find a sweet companion.

1. Brandywine Valley SPCA

Located in Georgetown, Delaware, this shelter was founded in 1929. Their goal is to care for and find good homes for their dogs. This no-kill shelter also has a vet clinic that offers affordable medical care for pets of owners that can’t afford higher-priced vets.


2. First State Animal Center and SPCA

This rescue shelter has a long history of serving the community and caring for animals. Their goals are to meet the needs of the community by

  • Preventing cruelty to animals
  • Protect and enhance the quality of life of homeless animals
  • Educate the community about better pet health
  • Provide low-cost services for pet care
  • Find loving homes for the adoptable animals
  • Find foster care for animals that aren’t ready to be adopted
  • Reduce overpopulation by providing spaying/neutering
  • Support Delaware’s no-kill policy

3. Delaware Humane Association

This rescue shelter is in Wilmington, Delaware. It was founded in 1957, as Delaware’s no-kill, non-profit animal care, and adoption center. This rescue shelter is dedicated to providing for homeless animals and helping pets owned by people in the community. Volunteers help feed and care for the animals by giving them exercise, grooming, and lots of affection. Some dogs are given obedience training to make them more adoptable. They also offer neutering services, low-cost vet clinics, and vaccinations.


4. Fur Ever Paws Dog Rescue

Another great rescue shelter to find a sweet doggie companion is Fur Ever Paws. With over 12 years of experience, this non-profit rescue shelter’s goal is to save the lives of dogs. Many of these dogs come from states that still kill unadoptable dogs. This rescue shelter believes that all dogs deserve a chance to be rehabilitated so they can find a forever home. Their volunteers help by feeding, exercising, and playing with the dogs. If you’re looking for a dog and live in northern Delaware, call them.


5. Baywater Animal Rescue Mission

This rescue shelter’s goal is to provide care and shelter for dogs and cats that need kindness, a place to sleep, and a chance to have a good life. They offer

  • Intake of animals
  • Foster care
  • Field trips where people can take a dog for a walk or to a coffee shop
  • Sleepovers where people can bring a dog home for 24 hours
  • Pet pantry-If someone owns a dog or cat but can’t afford to feed them, these owners can pick up free food at the rescue mission.

Conclusion

If you own a dog and live in Delaware, we encourage you to find a good insurance company, as it will not only provide peace of mind but will cushion the blow of the inevitable high vet bill. We suggest you sign up for dog insurance while your dog is young and at least 8 weeks old. This way, you’ll get better prices, and your dog is less likely to have a pre-existing condition. By all means, even if your dog is older, get dog insurance. Having dog insurance ensures that you’ll be able to care for your dog in case of an accident or illness like cancer. From our research, we found that Figo pet insurance offers the best coverage at the lowest monthly premiums.

SwiftScore Ranking Methodology for Delaware

We ranked the best pet insurance policies in Delaware based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Delaware with a 85050 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

Other state dog insurance resources

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