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7 Best Pet Insurance Plans Compared (July 2024)

We have helped 1,000s of pet parents select the ideal pet insurance policy for their dogs and cats. Our objectively ranked comparison table is trusted by emergency veterinarians, groomers, service dog professionals, dog trainers and many more.

lemonade
lemonade trustpilot

STANDARD PLAN
COST

$26.31/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
fetch insurance
fetch trustpilot

STANDARD PLAN
COST

$46.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Fetch makes it easy to use any licensed vet in the U.S. or Canada
  • Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
  • Protecting 400K+ dogs and cats (and counting) since 2003 & rated ‘Excellent’ on Trustpilot
figo trustpilot

STANDARD PLAN
COST

$46.24/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with 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
odie insurance
odie trustpilot

STANDARD PLAN
COST

$32.63/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit
  • Founded in 2019 and underwritten by Trisura Insurance Company
pumpkin trustpilot

STANDARD PLAN
COST

$63.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
embrace
embrace trustpilot

STANDARD PLAN
COST

$57.71/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Embrace offers multi-pet discounts, exam fee coverage, and a free 24/7 pet helpline
  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Founded in 2003 and underwritten by American Modern Insurance
trupanion trustpilot

STANDARD PLAN
COST

$71.74/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

lemonade
lemonade trustpilot

STANDARD PLAN
COST

$26.31/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

How much does dog and cat insurance cost for the most popular breeds?

The price for pet insurance varies depending on where you live. To give you an idea, we’ve collected costs for the most popular breeds shown below. The prices will also vary based on the age, health, and location of your dog or cat.

All insurance prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $20,000 annual benefit from Lemonade pet insurance. The costs are based on the 90210 zip code. Please note: these prices should only be treated as a rough guide as of July 2024 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in your local area, we suggest getting a quote directly from Lemonade.

Dog Insurance Prices (Ordered Alphabetically):

  1. Akita – $39.33/ mo
  2. American Pit Bull Terrier – $33.67/ mo
  3. American Staffordshire Terrier – $35.83/ mo
  4. Australian Cattle dog – $31.58/ mo
  5. Australian Shepherd – $27.50/ mo
  6. Basset Hound – $37.33/ mo
  7. Beagle – $33.50/ mo
  8. Belgian Malinois – $28.50/ mo
  9. Bernese Mountain Dog – $51.75/ mo
  10. Bichon Frise – $25.50/ mo
  11. Bloodhound – $37.33/ mo
  12. Border Collie – $28.33/ mo
  13. Boston Terrier – $23.92/ mo
  14. Boxer – $44.33/ mo
  15. Brittany – $29.67/ mo
  16. Bullmastiff – $69.67/ mo
  17. Cane Corso – $58.08/ mo
  18. Chesapeake Bay Retriever – $38.50/ mo
  19. Chihuahua – $19.33/ mo
  20. Chow Chow – $32.00/ mo
  21. Cocker Spaniel – $27.92/ mo
  22. Collie – $34.75/ mo
  23. Dachshund – $26.25/ mo
  24. Dalmatian – $38.50/ mo
  25. Doberman Pinscher – $48.67/ mo
  26. English Bulldog – $54.25/ mo
  27. English Cocker Spaniel – $28.75/ mo
  28. English Springer Spaniel – $29.25/ mo
  29. French Bulldog – $54.25/ mo
  30. German Shepherd – $36.75/ mo
  31. German Shorthaired Pointer – $29.25/ mo
  32. German Wirehaired Pointer – $28.75/ mo
  33. Golden Retriever – $32.50/ mo
  34. Goldendoodle – $25.08/ mo
  35. Great Dane – $54.75/ mo
  36. Great Pyrenees – $38.00/ mo
  37. Havanese – $21.58/ mo
  38. Labradoodle – $28.08/ mo
  39. Labrador Retriever – $36.25/ mo
  40. Lasso Apso – $26.25/ mo
  41. Maltese – $21.17/ mo
  42. Mastiff – $63.75/ mo
  43. Miniature Schnauzer – $29.00/ mo
  44. Mixed Breed – $19.67/ mo
  45. Newfoundland – $59.00/ mo
  46. Papillon – $21.83/ mo
  47. Pembroke Welsh Corgi – $30.08/ mo
  48. Pomeranian – $25.50/ mo
  49. Poodle – $34.83/ mo
  50. Portuguese Water Dog – $30.58/ mo
  51. Pug – $29.67/ mo
  52. Rhodesian Ridgeback – $35.83/ mo
  53. Rottweiler – $63.42/ mo
  54. Saint Bernard – $69.67/ mo
  55. Samoyed – $30.58/ mo
  56. Scottish Terrier – $28.33/ mo
  57. Shar Pei – $39.75/ mo
  58. Shetland Sheepdog – $24.33/ mo
  59. Shiba Inu – $22.83/ mo
  60. Shih Tzu – $21.00/ mo
  61. Siberian Husky – $26.67/ mo
  62. Soft-coated Wheaten terrier – $30.58/ mo
  63. Vizsla – $32.50/ mo
  64. Weimaraner – $35.33/ mo
  65. Westie – $32.25/ mo
  66. Whippet – $27.92/ mo
  67. Yorkies – $22.17/ mo

Cat Insurance Prices (Ordered Alphabetically):

  1. Abyssinian – $17.17
  2. American Shorthair – $15.5
  3. Bengal – $16.17
  4. Birman – $16.67
  5. British Shorthair – $16.42
  6. Burmese – $16.67
  7. Cornish Rex – $18.25
  8. Devon Rex – $17.42
  9. Exotic Shorthair – $16.17
  10. Himalayan – $16.42
  11. Maine Coon – $17.17
  12. Mixed breed – $16.87
  13. Norwegian Forest Cat – $15.00
  14. Ocicat – $19.83
  15. Oriental – $16.67
  16. Persian – $16.92
  17. Ragdoll – $15.75
  18. Russian Blue – $15.00
  19. Siamese – $15.00
  20. Siberian – $16.17
  21. Sphynx – $17.67
  22. Tonkinese – $17.42

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

Pet Insurance FAQs

1. What is pet insurance and why is it useful?

Pet insurance is essentially health insurance for your dog or cat. If your furry friend happens to fall ill or have an accident you will typically be required to pay ahead of time and then submit a claim for reimbursement from your insurer. To fully protect your pet via insurance, you will need to sign up with an insurance company and pay a monthly premium to keep the policy active. One thing that is helpful to know is that insurance companies often like to exclude certain pre-existing conditions and that’s why we recommend getting pet insurance while your animal is in the puppy or kitten phase (after 8 weeks of age) or as soon as possible. I’ve heard countless stories about people with animals aged 6 years or older who later regret not getting insurance because it would have covered major illnesses later in their pet’s life.

Pet insurance is very useful across the US since vet bills can get astronomically high for therapies like cancer treatment that can cost well over $10,000. Many uninsured pet owners have to make the unfortunate decision to euthanize their animal because they simply can’t afford the cost of treatment. Insurance is there to help relieve the financial burden of expensive vet bills.

2. How old does my pet need to be to get insured?

Most pet insurance companies require your little buddy to be a minimum of 8-weeks-old before you can apply for insurance. However, the majority of providers do not have an age limit for when you can get pet insurance. Although, younger animals are typically much cheaper to insure and so we recommend you get your pet insurance before their first birthday but honestly, it’s beneficial at any age.

3. How worth it is to get pet insurance?

As I mentioned earlier, vet bills can quickly pile up for accidents and illnesses that are inevitable to occur in the life of your best friend. Many pet owners find that they end up spending $3,500 or more for an emergency vet visit at some point during the life of their pet. You need to decide whether paying the monthly insurance premiums is worth the mitigation of potential high out-of-pocket bills down the road. Vet prices vary depending on breed and state but in general, the prices are increasing annually.

4. What is covered and what’s excluded with pet insurance?

Coverage varies with each pet insurance provider but usually, any accident or illness will be covered unless it is specifically excluded. Typically, anything that is “sudden and catastrophic” will be covered. Think broken bones, eye infections, swallowing a ball, or accidentally eating chicken bones. An example of something that may not be covered is if your animal already has cancer when you apply for insurance then this would be a pre-existing condition that isn’t eligible for coverage. Many providers now offer “wellness” packages that are usually an add-on that covers things like vaccinations, routine check-ups, and heart-worm prevention, etc. Some policies even cover alternative treatments like acupuncture and massage.

5. How does reimbursement work?

Let’s say you have pet insurance with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Then imagine something happens that requires a $10,000 emergency vet surgery. In this scenario, your insurance company would reimburse you $9,000 minus your $250 deductible meaning that you would be out-of-pocket $1,250 instead of $10,000. One company that is an outlier is Trupanion who offers payment directly to vets who are in their network. This way, you won’t have to rely on reimbursements, but will instead receive a bill for the remaining balance owed.

6. Is it better to have a lower deductible – what’s the sweet spot?

A lower deductible means higher monthly payments. This means you will be spending more each month but you’ll be less out-of-pocket when there is a catastrophe or illness. You’re best to do the math based on your financial situation and be sure to utilize the easy-to-use calculator most carriers offer when getting a quote. From my experience, most people choose a $250 or $500 deductible.

Conclusion

Choosing the ideal pet insurance plan can be somewhat daunting. I hope that this guide has helped you make a more informed decision. Again, remember, the best time to get pet insurance is when your animal is young and the second-best time is right now. We’ve heard countless stories of people regretting not getting insured even when their animal is getting older.

After much deliberation and countless hours of research, we’ve consistently found Lemonade Pet Insurance offers the ideal combo of coverage and price. Regardless of who you decide to go with, I wish you and your furry friend all the best and years of health and happiness.

Ranking Methodology

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

  • National average monthly price for a 2-year-old Labrador Retriever with a $500 deductible and this is how we calculate the “standard plan cost” shown above
  • Below are all the zip codes we used to get the national average prices for each pet insurance provider: AL (35206) | AK (99516) | AZ (85050) | AR (72205) | CA (90210) | CO (80238) | CT (06105) | DE (19904) | FL (33155) | GA (30331) | HI (96821) | ID (83712) | IL (60630) | IN (46229) | IA (50317) | KS (66109) | KY (40511) | LA (70112) | ME (04108) | MD (21209) | MA (02136) | MI (48201) | MN (55414) | MS (39211) | MO (63104) | MT (59101) | NE (68154) | NV (89117) | NH (03062) | NJ (07305) | NM (87120) | NY (10022) | NC (27603) | ND (58104) | OH (44102) | OK (73129) | OR (97229) | PA (19128) | RI (02909) | SC (29414) | SD (57108) | TN (38111) | TX (77054) | UT (84104) | VT (05408) | VA (23221) | WA (98108) | WV (25311) | WI (53225) | WY (82009)
  • 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
  • Claim satisfaction