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5 Best Pet Insurance for Mixed Breed Dogs (2022 Reviews)

dog insurance by breek
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Whether you live in Michigan, Arizona, South Carolina or somewhere in between, Mixed Breed dog owners understand the challenges and steep costs associated with veterinary emergencies. Pet insurance creates a financial buffer to ensure that your best pal has access to vital, life-saving care and procedures, irrespective of price. Through our extensive research, we found the best pet insurance companies and hope this article helps you find the best policy for your Mixed Breed dog.

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5 Top Pet Insurance Companies Compared for Mixed Breed Dogs

  • 1

    Best overall

    Our score
    Average price for
    Mixed Breed Dogs
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Mixed Breed Dogs pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Mixed Breed Dogs
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Mixed Breed Dogs
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Mixed Breed Dogs owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Mixed Breed Dogs
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Mixed Breed Dogs pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Mixed Breed Dogs
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about Mixed Breed Pet Insurance

  • 1. How much does pet insurance cost for Mixed Breeds?

    Mixed Breed insurance premiums cost anywhere from $18.67 to $62.58. Pet insurance providers use a variety of information, such as your dog’s age, breed, medical history and the average veterinary costs within your state, to determine monthly rates.

  • 2. What does pet insurance typically cover for Mixed Breeds?

    Pet insurance coverage for Mixed Breed dogs differs between companies. In general, though, you can expect any sudden and catastrophic illnesses or accidents to be covered. Coverage for these medical events includes exams, emergency care, tests, other diagnostic procedures, medication and surgery.

  • 3. Can I cancel my Mixed Breed's insurance plan after I make a claim?

    You can typically cancel your Mixed Breed’s policy at any time, regardless of your pet insurance company. Be sure to ask your provider the required process for doing so.

  • 4. Do pet insurance companies cover spaying and neutering?

    Pet insurance companies do not cover spaying and neutering. Some companies, like Embrace , have wellness package add-ons that cover these operations.

  • 5. Does the cost of insurance increase as my Mixed Breed ages?

    The cost of pet insurance increases as your Mixed Breed gets older, which becomes most noticeable once they reach 4 to 5 years old. Insurance providers increase rates to help mitigate the elevated risk that your dog may develop a chronic condition or become sick.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best for covering pre-existing conditions, especially in emergencies. Also, Embrace covers a limited number of pre-existing conditions that they consider ‘curable.’ If you’re interested in either of these providers, be sure to verify with them the benefits and exclusions of their coverage. Keep in mind that most providers do not cover pre-existing conditions. The good news is that pre-existing conditions will not preclude your Mixed Breed from getting insured.

  • 7. Is pet insurance worth it for Mixed Breeds?

    Pet insurance for Mixed Breeds is worth it, regardless of where in the country you live. After all, emergencies can strike at any time and the necessary care is costly. For example, Mixed Breeds tend to suffer from hip dysplasia, which often requires hip replacement surgery, and such surgery can run as high as $7,000. Another affliction Mixed Breeds suffer from is cataracts, and that specific surgery may cost as much as $4,000. Pet insurance offers a significant financial cushion to help you and your dog through challenging times.

More Details About Pet Insurance for Mixed Breeds

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall amongst pet insurance because they offer dog moms and dads affordable rates, comprehensive coverage for both accidents and illnesses and a dynamic selection of wellness plans. They also feature a user-friendly claims-processing system on their mobile app. Another aspect of their coverage that Mixed Breed owners will love is the brief 2-day accident waiting period, one of the shortest out there. Dog parents who bundle their pooch’s policy with renter’s or homeowner’s insurance receive an extra discount.

    Keep in mind: To get an active policy, you may need to submit veterinary documentation should you have an older Mixed Breed dog––or one with a pre-existing condition.

    Good for: Almost all Mixed Breeds, particularly those that are healthy and young.  

    Average price for Mixed Breed Dogs: $18.67/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo is known for making lightning-fast reimbursements via direct deposit, Venmo or PayPal. Once you meet your deductible, they will also reimburse up to 100% of veterinary fees for the rest of the year. Dog parents will love that they can choose their buddy’s veterinarian and get discounts for insuring multiple pets and renewing their policy without claims in the previous year.

    Keep in mind: There is a $100,000 cap on maximum lifetime benefits, and coverage will cease if your dog reaches this threshold.

    Good for: Mixed Breed parents who want a combination of wellness and emergency care. 

    Average price for Mixed Breed Dogs: $53.22/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo provides free 24/7 veterinary support via their mobile app, giving Mixed Breed dog owners the option to consult with licensed veterinarians and pet experts. They also have several wellness plans to suit different needs, including one that covers up to $250 in prescription food. It’s also worth noting that all of Figo’s standard policies have no claim caps for particular ailments and offer unlimited lifetime benefits. They also pride themselves in reviewing claims in less than 3 days, thereby making reimbursements to pet owners swift and straightforward.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Mixed Breed dog parents who wish to have 24/7 veterinary support covered by their pet insurance policy.

    Average price for Mixed Breed Dogs: $35.50/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp has an emergency fund that protects your pets (maximum 6) of any age, breed or medical history for a flat fee of $24/month. In addition to the emergency fund, Mixed Breed dog owners will be free to choose their veterinarian as well as get access to unlimited veterinary telehealth services and pet expert consultations. The even better news is they do not require copays, credit checks or deductibles. Pawp also pays all bills in full for any qualified emergencies before dog parents leave the veterinary clinic with their best pal, saving them the potential hassle of filing claims.

    Keep in mind: The emergency fund can only be used for true emergencies as approved by Pawp’s virtual team of veterinarians. Furthermore, the fund only covers a single vet bill of up to $3,000 for one pet within your household each year.

    Good for: Older Mixed Breed dogs or those with pre-existing conditions. Serves as a good supplement for mainstream health insurance policies. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace provides dog owners with uncapped lifetime benefits, multiple pet discounts and diminishing deductibles. With the latter, you can expect your deductible to decrease automatically by $50 upon renewal of your policy if you did not have any claim reimbursements in the year prior. They also have a wellness plan that reimburses for alternative veterinary care, including reiki, chiropractic, massage therapy, and acupuncture.

    Keep in mind: The wellness plan allows for $650 in annual maximum combined claims. Unused funds within the wellness plan will not be refunded at the end of your policy year.

    Good for: Mixed Breed Dog owners who prefer to have alternative veterinary treatments covered.  

    Average price for Mixed Breed Dogs: $28.66/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Mixed Breeds and they also offer the best value.


We hope this article helps you find the best pet insurance for your Mixed Breed dog. We recommend further researching any provider whose benefits interest you, so you can determine whether the company is an appropriate fit for your little pal. Purchasing the right pet insurance policy will support your dog in both emergencies and routine care. After all, the goal is to help you both live long, fun-filled and healthy lives together.