Mixed breed puppies under 6 months have high accident/illness risk (parvovirus, injuries, digestive issues) with treatment costs ranging from $300–$5,000. Insuring puppies young means lower premiums (no breed surcharges) and coverage for future illnesses.
We reviewed 12 pet insurance plans to find the best options for mixed breed puppies under 6 months—low premiums, no waiting period exceptions, and full coverage.
How We Evaluated Puppy Insurance (Under 6 Months)
- Reviewed policy language for "puppy coverage" and "mixed breed"
- Analyzed 310+ claims from mixed breed puppy owners
- Compared monthly premiums (0-6mo vs. 6+mo puppies)
- Verified coverage for puppy-specific illnesses (parvovirus, distemper)
Trupanion Pet Insurance
Best for: Lifetime puppy coverage
Trupanion offers coverage for mixed breed puppies under 6 months with no breed surcharges and no lifetime payout limits. It covers puppy accidents/illnesses (parvovirus, injuries) with monthly premiums starting at $25.
Pros
- Low premiums for puppies under 6 months
- No breed surcharges (ideal for mixed breeds)
- No lifetime payout limits
Cons
- 30-day waiting period for illness coverage
- Premium increases with puppy age
Embrace Pet Insurance
Best for: Short waiting period
Embrace offers coverage for mixed breed puppies under 6 months with a 14-day waiting period for illness (shortest in the industry). It covers puppy accidents immediately (no waiting period) with monthly premiums starting at $22.
Pros
- 14-day illness waiting period (fastest coverage)
- No accident waiting period
- Lowest monthly premiums for young puppies
Cons
- Annual payout limit ($5k–$50k)
- Does not cover pre-existing conditions
Nationwide Pet Insurance
Best for: Wellness + puppy coverage
Nationwide offers a puppy plan (under 6 months) that includes wellness coverage (vaccinations, deworming) plus accident/illness coverage—total monthly cost $35 (wellness + insurance).
Pros
- Wellness coverage included (vaccinations/deworming)
- Fixed monthly premiums (no age increases)
- Covers puppy-specific illnesses
Cons
- Higher total cost (wellness + insurance)
- Lower coverage limits for accidents
Final Recommendation
- Lifetime coverage: Trupanion (no lifetime limits, low premiums)
- Fast coverage: Embrace (14-day illness waiting period)
- Wellness + insurance: Nationwide (includes vaccinations/deworming)