Cheapest pet insurance companies
The following insurers offer some of the cheapest pet insurance policies on the market. When comparing your options, you should consider both cost and coverage specifics.
Summary of cheap pet health insurance plans
| Company | Best For | Average Monthly Quote | Average Yearly Quote |
|---|
| Nationwide | Birds and exotic pets | $5 | $60 |
|---|
| Spot | Multi-pet coverage | $13 | $156 |
|---|
| FIGO | No waiting period | $16 | $192 |
|---|
| Healthy Paws | Flexible plans | $22 | $264 |
|---|
| ASPCA | Alternative therapy coverage | $23 | $276 |
|---|
| Lemonade | Bundling | $20 | $240 |
|---|
| Pets Best | Vet direct pay | $25 | $300 |
|---|
| Embrace | Pet care helpline | $25 | $300 |
|---|
| Trupanion | Unlimited payouts | $32 | $384 |
|---|
Actual quotes may vary based on the policy buyer's unique profile.
Spot: Best for multi-pet coverage
Average Monthly Quote: $13
Spot offers convenient pet insurance policies for dogs and cats that make managing your pet’s health easy. The company sells accident and illness, accident-only, and preventive care coverage throughout the U.S. and Canada. You can also easily file a claim online.
Lemonade: Best for bundling
Average Monthly Quote: $20
Powered by artificial intelligence (AI), Lemonade makes signing up for pet coverage and receiving claim payouts fast and simple. You can buy coverage or file a claim in a matter of minutes. An accident and illness plan from Lemonade can cover costs associated with diagnostics, procedures, and medications. Lemonade also offers home, auto, and life insurance, so you may be able to save by bundling your pet insurance with another type of coverage from Lemonade.
Trupanion: Best for unlimited payouts
Average Monthly Quote: $32
Trupanion advertises that it’s the only insurance company that pays claims in real-time while customers check out, removing the typical waiting period for claims payouts. The company offers pet coverage for new and unexpected injuries and illnesses your dog or cat may develop.
Embrace: Best for pet care helpline
Average Monthly Quote: $25
If you want to make sure your pet gets the best medical care possible, you’ll likely appreciate that Embrace offers exam fee coverage and provides access to a free 24/7 pet health helpline.
Cons
No vaccine coverage without extra cost
Can’t submit claims over the phone
Premium can increase as pet ages
Pets Best: Best for vet direct pay
Average Monthly Quote: $25
Pets Best has insured more than 500,000 pets and paid out more than $500 million in claims, so you can rest easy knowing you’re working with an experienced pet insurance company. The company sells accident and illness, accident-only, and routine care plans for dogs and cats.
Cons
No prescription food coverage
No parasite testing or treatment coverage
No exceptions for pre-existing conditions
Healthy Paws: Best for flexible plans
Average Monthly Quote: $22
If you want a pet insurance plan that’s flexible, Healthy Paws gives you the option to choose your deductible and reimbursement amounts so your monthly premium can work for your financial situation.
Cons
No wellness plans available
15-day waiting period in most states
No prescription food coverage
Nationwide: Best for birds and exotic pets
Average Monthly Quote: $5
Nationwide is major national multi-line insurer with a long history of providing reliable coverage. This company claims to be the only pet insurance company to offer coverage for birds and exotic pets in addition to dogs and cats. Because Nationwide also offers other types of insurance, like home and auto, you may be able to save by bundling pet insurance coverage with another Nationwide policy.
ASPCA: Best for alternative therapy coverage
Average Monthly Quote: $23
With ASPCA, you gain access to expected coverage for accidents and illnesses, but you also have the option to take advantage of less-common coverage for behavioral issues and alternative therapy.
FIGO: Best for no waiting period
Average Monthly Quote: $16
Pet owners who want coverage fast should consider FIGO. Unlike most pet insurance companies, FIGO doesn’t have a waiting period for coverage to kick in. Once you enroll, your policy is active the next day.
Cons
No accident-only plan option
Premiums increase as your dog gets older
An enrollment fee may apply
Methodology
Insurify sourced the quotes on this page directly from the pet insurance company websites. Dog quotes were based on a 2-year-old male mixed-breed dog that weighs between 31 and 50 pounds and lives in Hartford, Connecticut. Cat quotes were calculated based on a 2-year-old female American shorthair that lives in Hartford, Connecticut.
All quotes were based on a $500 deductible, except for Nationwide, which provided quotes based on a $250 deductible. Keep in mind that your quotes may look different based on your particular pet profiles and where you live.
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