MoneyGeek’s analysis identified Lemonade as the best pet insurance for dogs and cats with cancer, combining affordable premiums with comprehensive coverage for cancer treatments. We also recommend looking into Pumpkin, AKC, Spot and Pets Best as strong alternatives.
Best Pet Insurance for Cancer
Updated: September 12, 2025
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Best Pet Insurance for Cancer: Key Takeaways
Lemonade provides the best pet insurance with cancer coverage in MoneyGeek's study, earning scores of 4.7 out of 5 for dogs and 4.5 out of 5 for cats.
Lemonade also offers the cheapest premium for dog insurance that covers cancer at $41 monthly, while Pumpkin is the most affordable option for cats at $20 monthly.
Determine your coverage needs, compare multiple quotes and read customer experiences with cancer claims to find the best value for pet insurance for cancer.
What Are the Best Pet Insurance Companies for Cancer?
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 Cancer?
Based on our study, Lemonade offers the most affordable pet insurance for dogs with cancer at $41 monthly, while Pumpkin provides the lowest rates for cats at $20 monthly.
Cheapest Pet Insurance for Dogs With Cancer
Lemonade provides the cheapest pet insurance with cancer coverage for dogs at $41 monthly ($487 annually), followed closely by Pumpkin at $46 monthly ($548 annually). These rates reflect 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 Cancer
Pumpkin delivers the most affordable cancer coverage for cats at $20 monthly ($238 annually), with Lemonade offering the second-lowest rates at $23 per month ($271 annually). These rates are based on our standard 7-year-old Ragdoll profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| 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 Cancer
Finding affordable pet insurance for cancer while ensuring your pet gets the best care possible can feel overwhelming. The good news is that with the right approach, you can find comprehensive cancer coverage that fits your budget. Start with the steps below.
- 1
Decide on your coverage needs
Think about your pet's age, breed and likelihood of developing cancer when choosing your annual limit. Most cancer treatments fall within $5,000 to $10,000 annual limits, though unlimited plans financially protect you against the highest treatment costs for a higher monthly price. Balance deductibles and reimbursement rates based on your financial situation: higher deductibles ($500 to $1,000) reduce monthly costs but increase your upfront expenses, while higher reimbursement rates (80 to 90%) mean you'll receive more money back per claim but pay higher premiums.
- 2
Prioritize cancer-specific coverage features
Look for policies that explicitly cover chemotherapy, radiation therapy, diagnostic imaging and specialist consultations without requiring additional riders. Some insurers exclude certain cancer treatments or limit coverage to specific types, which could leave you with substantial out-of-pocket expenses.
- 3
Compare multiple quotes
Gather quotes from at least three to five insurers using the same annual limit, deductible and reimbursement rate to ensure accurate price comparisons. Many insurers offer significantly different rates for identical coverage levels, making comparison shopping essential for finding the best value.
- 4
Evaluate waiting periods and pre-existing condition clauses
Choose insurers with shorter waiting periods for illness coverage since most cancer-related claims fall under this category. Review pre-existing condition policies, as some companies like AKC offer coverage for previous cancer diagnoses after a waiting period.
- 5
Research customer reviews
Read reviews and complaints focusing on how insurers handle complex, high-cost cancer claims. You can also contact insurers to ask about their cancer claim approval rates and average processing times for cancer-related treatments. Companies with poor customer service may delay critical treatment approvals or create additional stress during an already difficult time.
Best Pet Insurance With Cancer Coverage: Bottom Line
Lemonade offers the best pet insurance for cancer, receiving strong affordability and customer experience scores. It also provides the most affordable rates for dogs at $41 monthly, while Pumpkin has the cheapest premiums for cats at $20 monthly. Still, compare multiple quotes, read the fine print and look for customer reviews to find the best coverage for your pet's needs.
Best Pet Insurance That Covers Cancer: FAQ
Still have questions about the best pet insurance with cancer coverage? We’ve compiled answers below:
What is the best pet insurance for cancer?
Lemonade provides the best pet insurance that covers cancer, combining affordable premiums with solid customer service.
What is the cheapest pet insurance for cancer?
For affordability, Lemonade is the cheapest pet insurance company for dogs with cancer, with premiums starting at an average of $41 monthly. Pumpkin offers the lowest rates for cats with cancer, at $20 monthly on average.
Does pet insurance cover all types of cancer treatments?
Most pet insurance policies cover standard cancer treatments including chemotherapy, radiation therapy, diagnostic imaging and specialist consultations. However, some insurers may exclude experimental treatments or limit coverage to specific cancer types, so review your policy details to understand which treatments are included in your specific plan.
What happens if my pet is diagnosed with cancer during the waiting period?
If your pet is diagnosed with cancer during the waiting period, that cancer will be considered a pre-existing condition and won't be covered.
At what age should I buy pet insurance for cancer coverage?
Buy pet insurance as early as possible, ideally when your pet is young and healthy. Younger pets face lower premiums and avoid pre-existing condition exclusions. Since cancer risk increases with age, early enrollment ensures your pet has coverage when they're most likely to need expensive treatments.
How We Found the Best and Cheapest Pet Insurance for Cancer
To identify the best and most affordable pet insurance for cancer coverage, MoneyGeek evaluated 20 major pet insurance providers in the United States. Our research focused on gathering quotes, evaluating customer experience and examining detailed coverage terms to tailor our recommendations.
We ensured fair comparisons across all providers by using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles with $5,000 annual limits, 80% reimbursement rate and $500 deductibles for every quote.
How We Scored Providers
Affordability (50% of overall score): We collected proprietary quote information across multiple coverage combinations, pet ages, and breed categories to create affordability scores for each provider. While we considered available discounts in our evaluation, these played a minimal role due to limited variation between companies.
Customer Experience (30% of overall score): We analyzed customer feedback from Trustpilot and Reddit to calculate these scores, focusing particularly on experiences related to claims processing and customer service during medical emergencies.
Coverage Options (20% of overall score): We reviewed complete contract terms for all providers across every state, examining policy inclusions, exclusions, restrictions and available add-on options.
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.