Our pick for the best puppy insurance is Lemonade, which combines affordable rates with a great customer experience. Pets Best, Rainwalk, AKC and Figo are also excellent alternatives to consider.
Best Pet Insurance for Puppies
Updated: August 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Our research found that Lemonade is the best pet insurance for puppies, earning a score of 4.5 out of 5.0.
Lemonade provides the cheapest puppy insurance, with premiums starting at $24 monthly on average.
Get the best puppy insurance that fits your budget by determining your pet’s coverage needs, comparing multiple quotes, reading reviews and understanding the fine print.
What Are the Best Puppy Pet Insurance Companies?
| Lemonade | 4.5 | $284 | 3 | 6 |
| Pets Best | 4.3 | $338 | 5 | 2 |
| Rainwalk | 4.1 | $438 | 1 | 4 |
| AKC | 4.05 | $475 | 3 | 1 |
| Figo | 3.95 | $345 | 7 | 5 |
Best Pet Insurance for Puppies by State
Lemonade wins for puppy coverage in 39 states, while Pets Best comes out ahead in 11. Your annual premium will run anywhere from $190 to $410 based on where you live.
| Alabama | Lemonade | $209 |
| Alaska | Pets Best | $329 |
| Arizona | Lemonade | $346 |
| Arkansas | Lemonade | $190 |
| California | Lemonade | $360 |
| Colorado | Lemonade | $358 |
| Connecticut | Lemonade | $324 |
| Delaware | Pets Best | $340 |
| Florida | Lemonade | $322 |
| Georgia | Lemonade | $256 |
| Hawaii | Pets Best | $342 |
| Idaho | Pets Best | $338 |
| Illinois | Lemonade | $352 |
| Indiana | Lemonade | $257 |
| Iowa | Lemonade | $239 |
| Kansas | Rainwalk | $358 |
| Kentucky | Pets Best | $267 |
| Louisiana | Lemonade | $229 |
| Maine | Pets Best | $410 |
| Maryland | Lemonade | $278 |
| Massachusetts | Lemonade | $366 |
| Michigan | Lemonade | $285 |
| Minnesota | Lemonade | $295 |
| Mississippi | Lemonade | $242 |
| Missouri | Lemonade | $224 |
| Montana | Lemonade | $238 |
| Nebraska | Lemonade | $257 |
| Nevada | Lemonade | $295 |
| New Hampshire | Lemonade | $330 |
| New Jersey | Lemonade | $321 |
| New Mexico | Lemonade | $251 |
| New York | Lemonade | $309 |
| North Carolina | Lemonade | $253 |
| North Dakota | Lemonade | $218 |
| Ohio | Lemonade | $261 |
| Oklahoma | Lemonade | $237 |
| Oregon | Lemonade | $353 |
| Pennsylvania | Lemonade | $296 |
| Rhode Island | Lemonade | $247 |
| South Carolina | Lemonade | $304 |
| South Dakota | Pets Best | $299 |
| Tennessee | Lemonade | $262 |
| Texas | Lemonade | $301 |
| Utah | Lemonade | $271 |
| Vermont | Pets Best | $314 |
| Virginia | Lemonade | $303 |
| Washington | Lemonade | $327 |
| West Virginia | Pets Best | $292 |
| Wisconsin | Lemonade | $305 |
| Wyoming | Pets Best | $313 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$24Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-On
30-day waiting period for orthopedic conditions
Rainwalk
Best Customer Experience
MoneyGeek Rating
4.1/ 5
3.7/5Affordability
5/5Customer Experience
3.6/5Coverage Options
Average Monthly Rate
$37Trustpilot Ratings
4.7 out of 5.0Maximum Annual Limit
$20,000Most Unique Coverage Inclusion or Add-On
Curable conditions coverage
AKC
Best Pet Insurance Coverage Options
MoneyGeek Rating
4.0/ 5
3.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$40Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-On
Pre-existing conditions coverage
What Are the Cheapest Puppy Pet Insurance Companies?
Our analysis found that Lemonade offers the cheapest puppy insurance at $24 per month ($284 annually). These prices are based on our standard comparison using a one-year-old Labrador Retriever with $5,000 annual limits, $500 deductibles and 80% reimbursement rates. Pets Best, Figo, ASPCA and Pumpkin complete the top five cheapest options for puppy coverage.
| Lemonade | $24 | $284 | 37% |
| Pets Best | $28 | $338 | 25% |
| Figo | $29 | $345 | 23% |
| ASPCA | $30 | $356 | 21% |
| Pumpkin | $31 | $366 | 18% |
Cheapest Pet Insurance for Puppies by State
Lemonade remains the cheapest option for puppies in most states, offering the lowest rates in 39 states. Average monthly premiums range between $16 and $34, depending on your state.
| Arkansas | Lemonade | $16 | $190 |
| Alabama | Lemonade | $17 | $209 |
| North Dakota | Lemonade | $18 | $218 |
| Missouri | Lemonade | $19 | $224 |
| Louisiana | Lemonade | $19 | $229 |
| Montana | Lemonade | $20 | $238 |
| Oklahoma | Lemonade | $20 | $237 |
| Iowa | Lemonade | $20 | $239 |
| Mississippi | Lemonade | $20 | $242 |
| Rhode Island | Lemonade | $21 | $247 |
| New Mexico | Lemonade | $21 | $251 |
| North Carolina | Lemonade | $21 | $253 |
| Georgia | Lemonade | $21 | $256 |
| Nebraska | Lemonade | $21 | $257 |
| Indiana | Lemonade | $21 | $257 |
| Ohio | Lemonade | $22 | $261 |
| Tennessee | Lemonade | $22 | $262 |
| Kentucky | Pets Best | $22 | $267 |
| Utah | Lemonade | $23 | $271 |
| Maryland | Lemonade | $23 | $278 |
| Michigan | Lemonade | $24 | $285 |
| West Virginia | Figo | $24 | $292 |
| Nevada | Lemonade | $25 | $295 |
| Minnesota | Lemonade | $25 | $295 |
| South Dakota | Pets Best | $25 | $299 |
| Pennsylvania | Lemonade | $25 | $296 |
| Texas | Lemonade | $25 | $301 |
| Virginia | Lemonade | $25 | $303 |
| South Carolina | Lemonade | $25 | $304 |
| Kansas | Figo | $25 | $306 |
| Wisconsin | Lemonade | $25 | $305 |
| New York | Lemonade | $26 | $309 |
| Wyoming | Figo | $26 | $313 |
| Vermont | Figo | $26 | $314 |
| New Jersey | Lemonade | $27 | $321 |
| Florida | Lemonade | $27 | $322 |
| Connecticut | Lemonade | $27 | $324 |
| Alaska | Pets Best | $27 | $329 |
| Washington | Lemonade | $27 | $327 |
| New Hampshire | Lemonade | $27 | $330 |
| Idaho | Figo | $28 | $338 |
| Delaware | Pets Best | $28 | $340 |
| Hawaii | Figo | $28 | $342 |
| Arizona | Lemonade | $29 | $346 |
| Illinois | Lemonade | $29 | $352 |
| Oregon | Lemonade | $29 | $353 |
| Colorado | Lemonade | $30 | $358 |
| California | Lemonade | $30 | $360 |
| Massachusetts | Lemonade | $31 | $366 |
| Maine | Pets Best | $34 | $410 |
How Much Is Pet Insurance for Puppies?
Our analysis shows the average cost of pet insurance for 1-year-old puppies is $36 per month. But this varies based on your puppy's age. Puppies under 1 year old have slightly lower premiums at $33 per month on average.
| Under 1 | $33 | $392 |
| 1 | $36 | $427 |
| 2 | $39 | $471 |
*Rates are based on our standard Labrador Retriever profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
What Factors Affect Puppy Insurance Costs?
Puppies are generally cheaper to insure than older dogs because they have fewer pre-existing health conditions and lower claim frequencies. How much you’ll pay for pet insurance depends on several factors, including:
Age
Puppy insurance rates go up as your dog grows, even within the first year. A three-month-old puppy usually costs less to insure than a 10-month-old because younger animals haven't had as much time to develop health problems.
Breed
Your puppy's breed affects insurance costs from day one because of known genetic conditions that can show up early. French Bulldog puppies cost more because of potential breathing problems. Mixed-breed puppies cost less since they're less likely to inherit breed-specific health issues.
Location
Veterinary costs in your area directly impact puppy insurance premiums, with urban areas typically costing more than rural locations. Some regions have higher rates of certain puppy diseases or parasites, which can affect local pricing.
Behavioral or activity risks
Puppies are naturally curious and active, leading to more accident claims. Some insurers consider certain activities risky, such as agility training or hiking with young puppies whose bones are still developing.
Coverage options
Your coverage choices determine what you'll pay for puppy insurance; higher limits and lower deductibles cost more. Adding a wellness plan bumps up your premium but can save money for puppies who need lots of vaccinations and spaying or neutering in their first year.
How to Get the Best Cheap Pet Insurance for Puppies
Getting pet insurance for your puppy that provides enough financial protection without straining your budget doesn't have to be hard. Here's how to start:
- 1
Know what coverage you need
Decide between basic accident-only coverage or full accident-and-illness protection (puppies are prone to both types of claims). Think about your coverage choices: higher deductibles lower monthly premiums but cost more when you file claims, while lower reimbursement rates cost less upfront but give you less money back after paying the full vet bill. Pick annual limits you're comfortable with; $10,000 to $20,000 covers most puppy emergencies without overpaying.
- 2
Compare multiple providers
Get quotes from at least three pet insurance companies using the same coverage details so you can compare accurately. Look for discounts like multi-pet savings, annual payment discounts or special puppy deals that can cut your costs.
- 3
Look out for reviews and recommendations
Read customer reviews on sites like Trustpilot to see real experiences with claims and customer service. Ask your vet for recommendations too; they know which insurers pay claims fast and work well with their practice.
- 4
Read the fine print
Check waiting periods, exclusions and coverage limits before signing up. Pay attention to how each insurer defines pre-existing conditions and what happens if your puppy gets sick during waiting periods. Know exactly what's covered and what isn't, including breed-specific exclusions that might affect your puppy.
- 5
Review annually
Check your puppy's coverage annually since pet insurance rates go up with age. Compare your current policy against new options because you might find better deals or coverage from other companies.
What Is the Best Pet Insurance for Puppies: Bottom Line
Lemonade tops our rankings for best overall puppy insurance, earning a score of 4.50 out of 5.0 and offering the cheapest coverage starting at $24 monthly. Still, shop around: compare quotes from multiple companies, read customer reviews and check policy details to make sure you get the best coverage for your puppy.
Best Pet Insurance for Puppies 2025: FAQ
When searching for the best pet insurance for puppies, many pet owners have similar concerns about coverage and costs. We've addressed these common questions to help you make an informed decision:
What is the best pet insurance company for puppies?
MoneyGeek's study ranked Lemonade as the best pet insurance company for puppies, with a score of 4.50 out of 5.0. It provides affordable rates with solid customer service and fully customizable policies.
What is the cheapest pet insurance for puppies?
Lemonade offers the cheapest pet insurance for puppies at $24 monthly, based on MoneyGeek's analysis.
When should I get pet insurance for my puppy?
Enroll your puppy within the first few weeks of bringing it home. Early enrollment prevents pre-existing conditions and secures lower rates. Puppies under one year cost an average of $33 monthly to insure versus $36 for one-year-olds.
How much does pet insurance cost for puppies?
Puppy insurance costs an average of $33 to $39 monthly, depending on age. Puppies under 1 average $33, while one-year-olds cost $36 and two-year-olds cost $39.
What factors affect puppy insurance costs?
How much you’ll pay for puppy insurance depends on factors including your pet’s coverage needs, age, breed and behavioral or activity risks. The coverage options you choose also directly impact premiums.
Does pet insurance cover pre-existing conditions in puppies?
Pet insurance doesn't usually cover pre-existing conditions in puppies or other pets. Health issues that exist before coverage starts get excluded, so enroll your puppy early to avoid problems.
What should I look for when comparing puppy insurance providers?
When shopping around for puppy insurance, get quotes from at least three companies using identical parameters. Compare annual limits, deductibles, reimbursement rates and carefully review waiting periods and exclusions.
Is accident-only or accident-and-illness coverage better for puppies?
Accident-and-illness coverage is usually better for puppies since they face both types of claims. Puppies often get illnesses like parasites and infections plus accidents from rough play. While accident-only costs less, full coverage protects you from more of your puppy's health problems during those active early months.
Are wellness plans worth it for puppies?
Wellness plans can save money for puppies needing lots of first-year care like multiple vaccinations, spaying or neutering and frequent check-ups. But wellness add-ons really bump up your premiums. Skip them if your vet offers affordable puppy packages or you'd rather budget separately.
How We Found the Best and Cheapest Puppy Insurance
We analyzed 20 major pet insurance companies in the United States to identify the best and cheapest puppy insurance options. Our research focused on three core ratings: affordability, customer experience and coverage options to give our top recommendations.
To ensure accurate comparisons, we used standardized policy parameters for all quotes:
- $5,000 annual coverage limit
- 80% reimbursement rate
- $500 deductible
- 1-year-old Labrador Retriever
How We Score Each Provider
Affordability (50% of overall score): We gathered insurance quotes for puppies and compared them across all states. We also took discounts into consideration, though they're a minor component as there's only slight variation between companies.
Customer Experience (30% of overall score): We gathered customer feedback from multiple online sources, particularly Trustpilot and Reddit, to calculate satisfaction scores based on real user experiences.
Coverage Options (20% of overall score): We examined complete contract terms for each provider across all states, evaluating add-on options, covered benefits, exclusions and policy restrictions.
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.