Best pet insurance for a Whippet
There is no single best policy, so here is the pick for each priority, worked out from 8 insurers' plan facts and the conditions Whippets are known for.
- $32–$53/mo est.Typical monthly premium (2 yrs, 80%, $250 deductible)
- 3Conditions to check coverage for
- $5,000Top of the range: cruciate ligament tear (ccl)
Whippet insurance cost by state, conditions and vet bills →
Our picks for a Whippet, by priority
- Lowest estimated priceOdieAbout $36 a month in our model for a 2-year-old Whippet, 80% reimbursement, $250 deductible, national average.
- Shortest illness waiting periodLemonade, Embrace, Spot, Pets Best and Odie14 days before illness coverage starts, so a condition that shows up early is less likely to be excluded as pre-existing.
- Unlimited annual limitEmbrace, Spot, Pets Best, Trupanion and Healthy PawsAn unlimited annual limit option, so one expensive year never runs into a cap.
- For ongoing vet visitsSpot, Pets Best and FetchExam fees included. Dental disease means repeat visits, and each exam fee adds up.
- For one lifelong conditionTrupanionA per-condition deductible: paid once for a condition for the dog's life, instead of every policy year.
- Lowest deductible optionTrupanionDeductibles from $0, for owners who would rather pay a higher premium than a large share of each bill.
Picks come only from published plan facts and our price model, never from commissions. How we make money.
What to look for in a policy for a Whippet
- Hereditary coverage. All 8 insurers we compare cover hereditary and congenital conditions, as long as they aren't pre-existing.
- An annual limit above $5,000. That is the top of the range for cruciate ligament tear (ccl)[1], the most expensive condition linked to the breed.
- The orthopedic waiting period. Whippets are prone to cruciate ligament tear (ccl); some insurers wait around six months before covering joint problems.
- How the deductible works. dental disease[2] and heart disease[4] need ongoing care, so exam fees and whether the deductible resets every year matter more than usual.
- Enroll before the first symptom. Anything noted before coverage starts is excluded for good. The best age to insure.
All 8 insurers for a Whippet, by estimated price
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible, national average. These are BreedSure estimates, not quotes.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$36/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$38/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$39/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$41/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$42/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$43/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$45/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$51/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Questions about insuring a Whippet
What is the best pet insurance for a Whippet?
It depends on what you want to protect against. Lowest estimated price: Odie. Shortest illness waiting period: Lemonade, Embrace, Spot, Pets Best and Odie. Unlimited annual limit: Embrace, Spot, Pets Best, Trupanion and Healthy Paws. Compare quotes from two or three of them for your own dog.
How much is insurance for a Whippet?
About $32 to $53 a month in our model for a 2-year-old at 80% reimbursement and a $250 deductible, before state and age adjustments. See prices by state.
Is insurance worth it for a Whippet?
One cruciate ligament tear (ccl) bill can run $2,000 to $5,000, several years of premiums. The full math.
Sources
- TPLO Surgery for Dogs. MetLife Pet Insurance.
- Epidemiology of periodontal disease in dogs in the UK primary-care veterinary setting (VetCompass). Journal of Small Animal Practice (full text via Europe PMC), 2021.
- Periodontal Disease and Dental Procedures in Dogs and Cats. Embrace Pet Insurance, 2026.
- Health statement for the American Whippet Club (AKC). American Whippet Club / AKC.
- 11 Most Expensive Dog Health Problems. MetLife Pet Insurance, 2025.
How we choose and check sources: Sources we use.