MoneyGeek’s research identified Lemonade as the best pet insurance company for dogs and cats with allergies, offering strong overall value with affordable premiums. Pumpkin, AKC, Spot and Pets Best also provide excellent coverage options for pets with allergy-related conditions.
Best Pet Insurance for Allergies
Updated: September 12, 2025
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Best Pet Insurance for Allergies: Key Takeaways
Lemonade ranks as the best pet insurance for allergies, earning scores of 4.7 out of 5.0 for dogs and 4.5 out of 5.0 for cats in MoneyGeek’s analysis.
Lemonade offers the cheapest pet insurance with allergy coverage for dogs at $41 monthly, while Pumpkin is the most affordable option for cats at $20 monthly.
To get the best value in pet insurance for allergies, compare multiple quotes, understand the terms and conditions and look for company reviews.
What Are the Best Pet Insurance Companies for Allergies?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | 4.73 | $487 | 3 | 6 |
| AKC | 4.35 | $705 | 3 | 1 |
| Pets Best | 4.24 | $643 | 5 | 2 |
| Rainwalk | 4.21 | $718 | 1 | 4 |
| Pumpkin | 4.20 | $548 | 3 | 11 |
Lemonade
Best Overall
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.4/5Customer Experience
3.7/5Coverage Options
Average Monthly Rate for Dogs
$41Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Rainwalk
Best Customer Experience
MoneyGeek Rating
4.2/ 5
3.5/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Rate for Dogs
$60Average Monthly Rate for Cats
$30Trustpilot Ratings
4.7 out of 5.0Maximum Annual Limit
$20,000
AKC
Best Pet Insurance Coverage Options
MoneyGeek Rating
4.4/ 5
3.6/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate for Dogs
$59Average Monthly Rate for Cats
$35Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
What Are the Cheapest Pet Insurance Companies for Allergies?
According to our research, Lemonade is the cheapest pet insurance company for dogs with allergies at $41 monthly, while Pumpkin provides the lowest rates for cats at $20 monthly.
Cheapest Pet Insurance for Dogs With Allergies
Among pet insurers that cover dogs with allergies in our analysis, Lemonade offers the lowest premiums at $41 monthly ($487 annually), followed by Pumpkin at $46 monthly ($548 annually). These rates are based on our standard 6-year-old Labrador Retriever profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Lemonade | $41 | $487 | 33% |
| Pumpkin | $46 | $548 | 24% |
| ASPCA | $48 | $580 | 20% |
| Figo | $52 | $624 | 14% |
| Pets Best | $53 | $643 | 11% |
Cheapest Pet Insurance for Cats With Allergies
For cat owners seeking affordable allergy coverage, Pumpkin is the cheapest option at $20 monthly ($238 annually), with Lemonade close behind at $23 monthly ($271 annually). Our standard 7-year-old Ragdoll profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate forms the basis for these premium calculations.
| Pumpkin | $20 | $238 | 37% |
| Lemonade | $23 | $271 | 28% |
| Hartville | $23 | $277 | 27% |
| Spot | $23 | $284 | 25% |
| Figo | $25 | $297 | 22% |
How to Get the Best Cheap Pet Insurance for Allergies
Finding the best cheap pet insurance for allergies doesn't have to be hard with the right approach. Follow these simple steps to secure affordable coverage that meets your pet's allergy treatment needs.
- 1
Determine your coverage needs
Choose your annual limits based on potential allergy treatment costs, with higher limits providing better financial protection for severe cases requiring ongoing medications and specialist care. Select a deductible you can afford to pay upfront, keeping in mind that higher deductibles lower your monthly premiums. Also, consider reimbursement rates between 70% to 90%, with higher rates costing more but providing greater financial protection for expensive allergy treatments.
- 2
Compare multiple quotes
Collect quotes from at least three insurers with allergy coverage using identical policy parameters to ensure fair comparisons. Compare not just premium costs but also how each company covers allergy-related treatments, including prescription medications like Apoquel and diagnostic allergy testing.
- 3
Understand the terms and conditions
Review sample policies before purchasing pet insurance to understand waiting periods (typically 14 days for illness coverage, including allergies) and pre-existing condition clauses. Look for specific exclusions that might affect allergy coverage, such as limitations on skin condition treatments or restrictions on certain allergy medications.
- 4
Read company reviews
Research customer experiences through platforms like Trustpilot and Reddit to understand how each insurer handles allergy-related claims in practice. Look for feedback about claim processing times, customer service responsiveness during allergy flare-ups and satisfaction with coverage for ongoing allergy management.
- 5
Reassess annually before renewing
Review your pet's allergy treatment costs from the previous year to determine if your current coverage limits and deductible still meet your needs. Evaluate whether your pet's allergy condition has changed, potentially requiring different coverage levels or additional benefits for the upcoming year.
Best Pet Insurance for Allergies: Bottom Line
Lemonade is MoneyGeek’s pick for the best pet insurance that covers allergies, providing affordable rates and quality customer service. It has the lowest premiums for dogs at $41 monthly, while Pumpkin offers the cheapest rates for cats at $20 monthly. Compare multiple providers and read sample policies plus customer reviews to find the best pet insurance for allergies that won’t strain your budget.
Best Pet Insurance for Pets With Allergies 2025: FAQ
Still have questions about the best pet insurance with allergy coverage? We’ve compiled answers below:
Which company offers the best pet insurance for allergies?
Based on MoneyGeek’s analysis, Lemonade is the best pet insurance company for allergies, combining affordable premiums with solid customer service. We also recommend looking into Pumpkin, Spot, AKC and Pets Best as alternatives.
Which company offers the cheapest pet insurance for allergies
Pet owners looking for affordable pet insurance with allergy coverage may find the lowest rates for dogs from Lemonade at $41 monthly and Pumpkin at $20 monthly for cats.
Which pet insurance covers pre-existing allergies?
AKC is the only major pet insurance provider covering pre-existing allergies after 365 days of continuous coverage. Other insurers exclude conditions diagnosed before your policy starts or during waiting periods.
What allergy treatments does pet insurance cover?
Pet insurance covers prescription allergy medications like Apoquel and Cytopoint injections, veterinary visits for allergy flare-ups and emergency care for severe allergic reactions. Specific treatments covered vary by provider and policy terms.
How long are waiting periods for allergy coverage?
Most pet insurers require a 14-day waiting period for illness coverage, including allergies. Any allergy symptoms that develop during this period will be considered pre-existing and excluded from future coverage.
Can I get pet insurance if my pet has seasonal allergies?
You can get pet insurance for pets with seasonal allergies, but coverage depends on whether symptoms appeared before or after your policy starts. If seasonal allergies were diagnosed or treated before enrollment, they're considered pre-existing and excluded.
How We Found the Best and Cheapest Pet Insurance for Allergies
MoneyGeek evaluated 20 major pet insurance providers in the United States to identify the best and most affordable pet insurance for allergies. Our research focused on affordability, customer experience and coverage options to guide pet owners in finding plans that help manage the costs of allergy testing and treatments.
We ensured accurate comparisons by using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles with a $5,000 annual limit, 80% reimbursement rate and $500 deductible for every quote we collected.
How We Scored Providers
Affordability (50% of score): We gathered quotes from all providers and compared premium rates against competitors within each state. Discounts were taken into consideration, though these had minimal impact on rankings due to limited variation between companies.
Customer Experience (30% of score): We reviewed feedback from Trustpilot and Reddit to measure pet owners’ satisfaction with each provider and calculate our customer experience scores.
Coverage Options (20% of score): We reviewed each company’s policy terms in every state, focusing on coverage inclusions, add-ons, exclusions and waiting periods.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.