Doggo Pet Insurance
$18–$65/month
Doggo Review Summary
Doggo, founded in 2020, takes a dog-first approach to pet insurance — their marketing, UI, and coverage philosophy center on what dog owners actually need. Hereditary and orthopedic conditions are covered without breed exclusions, which matters for the Labs, Goldens, and Shepherds that dominate their target market. Pricing is competitive in the mid-tier. The coverage gaps are real — no dental illness, no exam fees, no behavioral therapy — but for owners primarily concerned with major medical events and orthopedic issues, Doggo covers what counts. Geographic availability is more limited than national providers, so check state availability before enrolling.
Pros & Cons
✅ Pros
- ✓Dog-focused branding and design — resonates with dog owners
- ✓No breed exclusions
- ✓Competitive mid-range pricing
- ✓Covers hereditary and orthopedic conditions
- ✓Wellness plan available
⚠️ Cons
- ✗No dental illness, exam fees, or behavioral therapy
- ✗Smaller company with limited state availability
- ✗Limited customer review volume for assessment
- ✗No alternative therapy coverage
Coverage Details
| Monthly Premium | $18–$65 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $5,000, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
Best For
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