Cheapest Pet Insurance

ASPCA is the cheapest pet insurance company in MoneyGeek's analysis, with an average monthly rate of $29, which is 38% below the national benchmark. That's the lowest average monthly rate across all providers we analyzed, but your actual premium will vary based on your pet's breed, location and age.

To get you started, we rounded up five companies that offer the lowest average rates for your pet. Click each provider's name to see if it matches your pet's specific profile.

1. ASPCA: Cheapest for Most Medium and Large Dog Breeds
2. Pumpkin: Cheapest for Norwegian Forest, Birman and Devon Rex Cats
3. Pets Best: Cheapest for Australian Terriers and Burmese Cats
4. Lemonade: Cheapest for Boxers
5. Figo: Cheapest for Caucasian Shepherd Dogs and Central Asian Shepherd Dogs 

The cost of pet insurance can vary based on several factors, with breed, location and age having the strongest influence on what you'll pay. Use our recommendations as a starting point to narrow your options, then compare personalized quotes to confirm which provider is cheapest for your situation.

ASPCA wins as the cheapest pet insurance provider across the largest share of dog breeds in our dataset, leading on price for 60% of medium breeds and 68% of large and giant breeds. Pets Best and Pumpkin each rank first for 43% of cat breeds, with Pets Best leading for breeds like Siamese, Russian Blue, Burmese, Persian and British Shorthair, while Pumpkin is cheaper for Ragdolls, Birmans, Norwegian Forest cats, Devon Rex and Tonkinese.

For breed-specific pricing on the most affordable pet insurance, the resources below break down costs by breed.

ASPCA leads as the most affordable pet insurance company across the widest range of states, with its strongest presence in the Northeast and West, covering states like Maine, Massachusetts, California, Oregon and Wyoming, as well as Washington, D.C. Pumpkin takes the top spot across much of the South and parts of the Midwest and Northeast, from Florida and Texas to Illinois, Arkansas and New York. Lemonade offers the lowest rates in a smaller but geographically distinct group of states, leading on price in Mississippi, South Carolina and Washington.

See which providers offer the cheapest pet insurance rates in your state using these resources.

Pets Best offers the cheapest pet insurance for the widest age range in our analysis, leading on affordability from under 1 year old through age 9 and again from ages 13 through 20. ASPCA takes the top spot for 6-year-old and 10-year-old pets, where its rates run 28% to 38% below the age-group average. Meanwhile, Liberty Mutual is the cheapest at ages 11 and 12, the window where most pets are transitioning into senior status and premiums across all providers tend to climb.

Explore the cheapest pet insurance companies based on your pet's age group with these resources.

The cheapest pet insurance only works when the policy still pays out when your pet needs care, whether that's a dog that swallowed something it shouldn't have or a cat diagnosed with a chronic condition. Before picking the lowest-cost option, check that it meets these four criteria:

• Annual limit covers serious care: The policy should provide enough yearly coverage to handle major surgeries, hospitalizations or long-term illness treatment without leaving you responsible for the full bill.
• Reimbursement rate reduces your share: Having a 70% reimbursement rate ensures you're not covering the majority of every vet bill out of pocket after your deductible is met.
• Deductible fits your cash flow: The amount you pay before coverage starts should be something you can reasonably afford in a single year, not just a number that looks low on a monthly quote.
• Core conditions are included: Confirm the policy covers accidents, illnesses and hereditary conditions, and doesn't exclude common health issues for your pet's breed or species.

The goal is a policy that keeps monthly costs manageable while still financially protecting you from vet bills that can run into the thousands. Lower premiums may mean higher out-of-pocket costs per visit, so the right choice depends on how much financial risk you can absorb.

Learn More About Pet Insurance: Pet Insurance Guide

Is the Cheapest Right for Your Pet?

• Yes: Explore the most affordable providers
• No: How to get a cheaper policy without giving up coverage

Lowering your pet insurance premium doesn't mean settling for a policy that leaves you exposed when your pet needs care most. The tips below can help you reduce what you pay each month while keeping the coverage that matters when your pet gets sick or injured.

There's no single cheapest pet insurance that works for every pet owner. A policy that's affordable for a young mixed-breed dog may not be the right fit for a senior purebred cat with hereditary health risks. What costs least for you depends on your pet's breed, age, location and the coverage level you select. It helps to use our provider recommendations as a starting point, then compare personalized quotes using identical coverage terms to identify the cheapest option that still matches your pet's health needs, not the lowest cost at any price.

If you're ready to get quotes: Explore pet insurance providers

At this stage, we recommend comparing quotes using the same deductible, reimbursement rate and annual limit across every insurer you consider to find the cheapest option for your pet. A quote based on your pet's specific breed, age and location tends to give a more accurate picture than any general estimate, since premiums can shift depending on those details.

If you're still undecided, the guidance on this page can help you understand your options and feel more confident before committing to a plan.

To identify the cheapest pet insurance options, we collected and analyzed pricing data across 18 major pet insurance companies.

Dataset scope and assumptions  

• Providers analyzed: 18 major pet insurance providers
• Dog profiles analyzed: Over 67,000 profiles
• Standard breed and age used: 6-year-old Labrador Retriever for dogs, 7-year-old Ragdoll for cats
• Geography: All U.S. states and Washington, D.C.
• Policy baseline: $500 deductible, $5,000 annual limit, 80% reimbursement rate

How we identified the cheapest providers
We determined which insurers consistently offered the lowest premiums across different pet profiles and geographic regions. Our recommendations reflect overall affordability based on average monthly premiums across all pet profiles and states in our dataset.  

Important note: Our results show standardized pricing estimates, not personalized quotes for your specific pet. Your actual premium depends on your pet's breed, age and location, plus the deductible, annual limit and reimbursement rate you choose. The most reliable way to find your cheapest option is comparing quotes from multiple providers using identical coverage terms.

Learn more: Read our full pet insurance methodology

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