We compared prices from major pet insurance companies. Lemonade offers the cheapest pet insurance for dogs at $41 monthly ($487 annually), while Pumpkin is the most affordable for cats at $20 monthly ($238 annually). We also recommend getting quotes from ASPCA, Hartville and Figo.
Cheapest Pet Insurance
Updated: August 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the cheapest dog insurance at $41 monthly, while Pumpkin provides the lowest cat insurance premiums at $20 monthly.
Several factors affect your premium beyond the company you choose, including your coverage, location and pet’s breed.
To find more affordable coverage, compare quotes from multiple companies, choose higher deductibles and ask about pet insurance discounts.
What Are the Cheapest Pet Insurance Companies?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | $41 | $487 | -32.70% |
| Pumpkin | $46 | $548 | -24.30% |
| ASPCA | $48 | $580 | -19.76% |
| Figo | $52 | $624 | -13.74% |
| Pets Best | $53 | $643 | -11.10% |
Cheapest Pet Insurance by Category
Pumpkin offers the lowest cat rates overall but wins only two of our eight categories. Lemonade dominates four categories for dogs. Here's the breakdown by pet age and type:
| Kittens | Figo | $12 |
| Young Cats | Pumpkin | $15 |
| Puppies | Lemonade | $24 |
| Middle-Aged Cats | Pumpkin | $26 |
| Young Dogs | Lemonade | $28 |
| Middle-Aged Dogs | Lemonade | $48 |
| Senior Cats | Lemonade | $48 |
| Senior Dogs | Rainwalk | $74 |
Personalized Cheapest Pet Insurance Recommendations
Although the tables above show category winners, the cheapest pet insurance for you depends on several factors. For instance, ASPCA is the most affordable choice for a young dog owner who selects a $250 deductible, 80% reimbursement rate (the percentage your insurer pays back) and $10,000 coverage limit. Adjust the filters below to match your needs:
Data filtered by:Results filtered by:
Select
Pet Age Group:Young
Select
Pet Type:Dog
Select
Coverage Limit:$10,000
Select
Deductible:$250
Select
Reimbursement Rate:80%
| ASPCA | $31 | $372 | -39% |
| Lemonade | $33 | $394 | -35% |
| Figo | $45 | $544 | -11% |
| Hartville | $46 | $557 | -9% |
| Pumpkin | $47 | $557 | -9% |
Cheapest Pet Insurance by State
Pet insurance costs vary by state because vet care costs different amounts in different areas, and some states have more competition between providers. Among the companies MoneyGeek surveyed, Lemonade and Pumpkin consistently offer the cheapest pet insurance for dogs and cats, respectively, in most states.
Cheapest Pet Insurance by State for Dogs
Lemonade offers the cheapest pet insurance for dogs in all 50 states, with rates as low as $27 monthly in Arkansas. See the most affordable premium for dog insurance in your state below.
| Arkansas | Lemonade | $27 |
| Alabama | Lemonade | $30 |
| North Dakota | Lemonade | $31 |
| Missouri | Lemonade | $32 |
| Kentucky | Lemonade | $32 |
| Louisiana | Lemonade | $33 |
| Montana | Lemonade | $34 |
| Oklahoma | Lemonade | $34 |
| Iowa | Lemonade | $34 |
| Mississippi | Lemonade | $35 |
| West Virginia | Lemonade | $35 |
| Rhode Island | Lemonade | $35 |
| New Mexico | Lemonade | $36 |
| South Dakota | Lemonade | $36 |
| North Carolina | Lemonade | $36 |
| Georgia | Lemonade | $37 |
| Nebraska | Lemonade | $37 |
| Indiana | Lemonade | $37 |
| Kansas | Lemonade | $37 |
| Ohio | Lemonade | $37 |
| Tennessee | Lemonade | $38 |
| Wyoming | Lemonade | $38 |
| Vermont | Lemonade | $38 |
| Utah | Lemonade | $39 |
| Alaska | Lemonade | $40 |
| Maryland | Lemonade | $40 |
| South Carolina | Lemonade | $40 |
| Idaho | Lemonade | $41 |
| Michigan | Lemonade | $41 |
| Delaware | Lemonade | $41 |
| Hawaii | Lemonade | $41 |
| Nevada | Lemonade | $42 |
| Minnesota | Lemonade | $42 |
| Pennsylvania | Lemonade | $42 |
| Texas | Lemonade | $43 |
| Virginia | Lemonade | $43 |
| Wisconsin | Lemonade | $44 |
| New York | Lemonade | $44 |
| New Jersey | Lemonade | $46 |
| Florida | Lemonade | $46 |
| Connecticut | Lemonade | $46 |
| Washington | Lemonade | $47 |
| New Hampshire | Lemonade | $47 |
| Maine | Lemonade | $49 |
| Arizona | Lemonade | $49 |
| Illinois | Lemonade | $50 |
| Oregon | Lemonade | $50 |
| Colorado | Lemonade | $51 |
| California | Lemonade | $51 |
| Massachusetts | Lemonade | $52 |
Cheapest Pet Insurance by State for Cats
Pumpkin is the most affordable cat insurance provider in all 50 states, with premiums starting at $13 monthly in Arkansas. Check the lowest rate for cat insurance in your state below.
| Arkansas | Pumpkin | $13 |
| Alabama | Pumpkin | $15 |
| North Dakota | Pumpkin | $15 |
| Missouri | Pumpkin | $16 |
| Kentucky | Pumpkin | $16 |
| Louisiana | Pumpkin | $16 |
| Montana | Pumpkin | $17 |
| Oklahoma | Pumpkin | $17 |
| Iowa | Pumpkin | $17 |
| Mississippi | Pumpkin | $17 |
| West Virginia | Pumpkin | $17 |
| Rhode Island | Pumpkin | $17 |
| New Mexico | Pumpkin | $18 |
| South Dakota | Pumpkin | $18 |
| North Carolina | Pumpkin | $18 |
| Georgia | Pumpkin | $18 |
| Indiana | Pumpkin | $18 |
| Nebraska | Pumpkin | $18 |
| Kansas | Pumpkin | $18 |
| Ohio | Pumpkin | $18 |
| Tennessee | Pumpkin | $19 |
| Wyoming | Pumpkin | $19 |
| Vermont | Pumpkin | $19 |
| South Carolina | Pumpkin | $19 |
| Utah | Pumpkin | $19 |
| Alaska | Pumpkin | $20 |
| Maryland | Pumpkin | $20 |
| Idaho | Pumpkin | $20 |
| Michigan | Pumpkin | $20 |
| Delaware | Pumpkin | $20 |
| Hawaii | Pumpkin | $20 |
| Nevada | Pumpkin | $21 |
| Minnesota | Pumpkin | $21 |
| Pennsylvania | Pumpkin | $21 |
| Texas | Pumpkin | $21 |
| Virginia | Pumpkin | $21 |
| Wisconsin | Pumpkin | $22 |
| New York | Pumpkin | $22 |
| New Jersey | Pumpkin | $23 |
| Florida | Pumpkin | $23 |
| Connecticut | Pumpkin | $23 |
| Washington | Pumpkin | $23 |
| New Hampshire | Pumpkin | $23 |
| Maine | Pumpkin | $24 |
| Arizona | Pumpkin | $24 |
| Illinois | Pumpkin | $25 |
| Oregon | Pumpkin | $25 |
| Colorado | Pumpkin | $25 |
| California | Pumpkin | $25 |
| Massachusetts | Pumpkin | $26 |
Cheapest Pet Insurance by Breed
Pet insurance premiums differ by breed because certain breeds face higher risks for specific health conditions and genetic disorders. The sections below show the cheapest pet insurance for dog and cat breeds.
Cheapest Pet Insurance by Dog Breed
Lemonade has the lowest rates for most dog breeds (58%), including Afghan Hound, Boston Terrier and Golden Retriever, at $17 to $77 monthly. Pumpkin wins for breeds like German Shepherd, Husky and Morkie, with monthly premiums from $23 to $81. Check the table for your specific dog breed:
Data filtered by:Results filtered by:
Select
Breed:Golden Retriever
| Lemonade | $43 | $515 |
| Pumpkin | $45 | $545 |
| Pets Best | $48 | $576 |
| ASPCA | $51 | $606 |
| Figo | $53 | $643 |
| Hartville | $58 | $695 |
| Spot | $60 | $716 |
| Met Life | $61 | $726 |
| Rainwalk | $61 | $729 |
| AKC | $62 | $745 |
| Liberty Mutual | $68 | $813 |
| Embrace | $76 | $914 |
| Fetch | $87 | $1,041 |
| Nationwide | $96 | $1,151 |
Cheapest Pet Insurance by Cat Breed
Pets Best has the cheapest pet insurance for 45% of cat breeds, including Russian Blue, Siamese and Persian, with monthly premiums from $15 to $24. Pumpkin provides the most affordable coverage for 28% of cat breeds, such as Ragdoll, Norwegian Forest Cat and Birman, with rates from $17 to $21 monthly. Check the table for your cat breed:
Data filtered by:Results filtered by:
Select
Breed:Siamese
| Pets Best | $15 | $183 |
| Lemonade | $18 | $221 |
| Pumpkin | $19 | $224 |
| Hartville | $22 | $261 |
| Spot | $22 | $267 |
| Figo | $23 | $272 |
| Rainwalk | $28 | $331 |
| ASPCA | $28 | $332 |
| Fetch | $33 | $395 |
| AKC | $35 | $415 |
| Met Life | $35 | $425 |
| Liberty Mutual | $36 | $439 |
| Nationwide | $38 | $461 |
| Embrace | $42 | $507 |
How to Get the Cheapest Pet Insurance
Shopping for pet insurance can feel overwhelming with so many options and price points. Here's how to save money on coverage:
- 1
Shop around with at least three companies
The same healthy 3-year-old Golden Retriever might cost $45 monthly with one insurer but $60 with another. That's $180 yearly you'd save just by comparing quotes.
- 2
Pick a higher deductible
Choosing a higher deductible instead of the lowest option can save you $10 to $20 monthly, though you'll pay more when filing claims.
- 3
Choose a lower reimbursement rate
Picking 70% instead of 90% reimbursement, or the percentage your insurer pays back after you pay the vet, can reduce your monthly costs while still providing good coverage.
- 4
Know your breed's typical costs
Some breeds cost 20% to 50% more than others because they're prone to specific health problems and genetic conditions.
- 5
Ask about discounts
You can often save 5% to 15% with multi-pet, military and other discounts available from most insurers.
- 6
Consider lower coverage limits
Choosing moderate annual limits (the maximum amount your insurer will pay per year) instead of unlimited coverage can save $5 to $15 monthly while still covering most emergencies.
Cheapest Pet Insurance: Bottom Line
Your location and pet's breed affect insurance costs. Lemonade and Pumpkin offer the lowest rates for most dogs and cats in our analysis. Compare quotes from multiple companies to find the best deal.
Cheapest Pet Insurance: FAQ
We answer frequently asked questions about pet insurance to help you find the cheapest policy:
Which company provides the cheapest pet insurance for dogs?
Lemonade provides the cheapest pet insurance for dogs at $41 monthly.
Which company provides the cheapest pet insurance for cats?
Pumpkin offers the lowest cat insurance rates at $20 monthly.
How do you get cheaper pet insurance?
Several strategies can help you reduce your pet insurance costs: compare quotes from at least three companies, choose higher deductibles and ask about discounts.
Why does pet insurance cost more as pets age?
Pet insurance premiums increase much with age because older pets face higher risks of developing health issues.
How much does location affect pet insurance costs?
Location impacts pet insurance costs due to regional differences in veterinary expenses and market conditions.
When is the cheapest pet insurance not the best choice?
The cheapest pet insurance isn't ideal for breeds with known health issues, older pets requiring frequent care or owners who value specific features over price. For example, German Shepherds prone to hip dysplasia benefit from comprehensive coverage rather than the lowest-cost option.
How do waiting periods affect the cost of cheap pet insurance?
Waiting periods don't directly affect monthly premiums but impact the overall value of cheap pet insurance. For instance, orthopedic waiting periods of 6 to 12 months mean cheaper policies won't cover conditions like hip dysplasia or cruciate ligament tears immediately after enrollment.
Do mixed breeds really cost less to insure than purebreds?
Yes, insurance companies consider breed-specific health risks when setting rates, so a mixed breed often qualifies for lower premiums than a purebred with known genetic predispositions.
How We Found the Cheapest Pet Insurance Companies
We collected quotes from all 20 major pet insurance companies in all 50 states and Washington, D.C., to capture the full range of pricing variations that affect your actual costs. We couldn't check every company, but we hit the major players. Individual quotes vary based on your location and pet's profile.
To ensure accurate cost comparisons, we used identical policy parameters for every quote:
- $10,000 annual coverage limit
- $500 deductible
- 80% reimbursement rate
- For dogs: 6-year-old Labrador Retriever
- For cats: 7-year-old Ragdoll
Using known patterns, we calculated cost data for cats showing how much less insurers typically charge for cat policies than dog policies. Cat insurance costs less because cats generally have fewer health risks than dogs.
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.