Based on average rates, Figo and Embrace have the lowest pet insurance premiums. Actual rates and cheapest options may vary depending on several factors. The sections below show the best pet insurance rates by company, pet type, pet age and location.
Cheapest Pet Insurance Companies for 2025
Based on national averages, Figo and Embrace offer the cheapest pet insurance. In certain states, monthly coverage is as low as $24 for dogs and $12 for cats.
Find out if you're overpaying for pet insurance below.

Updated: June 18, 2025
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Key Takeaways
Based on average rates, Figo offers the lowest premiums for dogs at $43 monthly, while Embrace provides the cheapest cat coverage at $20 monthly. These two companies consistently offer the most affordable pet insurance options.
Pet insurance costs vary by location, pet age, breed and gender. Insurance rates increase as pets age from six to 12.
You can get cheaper pet insurance by insuring pets when they're young, choosing higher deductibles, selecting lower coverage limits, taking advantage of discounts, and paying annually.
Compare Pet Insurance Rates
Ensure you're getting the best rate for your pet insurance. Compare quotes from the top insurance companies.
Who Has the Cheapest Pet Insurance?
The Cheapest Pet Insurance Companies: Basic Features and Costs
Feature | Figo | Embrace | Healthy Paws | Spot | Nationwide |
---|---|---|---|---|---|
Monthly Cost (Dogs) | $43 | $45 | $50 | $51 | $74 |
Monthly Cost (Cats) | $22 | $20 | $22 | $27 | $26 |
Accident Waiting Period | 1 day | 2 days | 15 days | 14 days | 14 days |
Illness Waiting Period | 14 days | 14 days | 15 days | 14 days | 14 days |
Orthopedic Waiting Period | 6 months | 6 months (can be reduced) | 12 months (hip dysplasia) | 14 days | 12 months |
Annual Deductible Options | $100-$750 | $100-$1,000 | $100-$500 | $100-$1,000 | $250-$1,000 |
Reimbursement Options | 70%-100% | 70%-90% | 70%-90% | 70%-90% | 50%-90% |
Annual Limit Options | $5K-Unlimited | $5K-Unlimited | Unlimited only | $2.5K-Unlimited | $2.5K-Unlimited |
Exam Fee Coverage | Optional add-on | Included | Not covered | Included | Included |
Dental Illness Coverage | Limited | Included | Limited | Included | Limited |
Wellness Coverage Option | Yes | Yes | No | Yes | Yes |
Unique Feature | Pet Cloud app with 24/7 vet access | Diminishing deductible ($50 less each year without claims) | No caps on claim payouts | Short orthopedic waiting period | Direct vet payments available |
*To compare rates, MoneyGeek gathered premiums for cats and dogs from multiple insurers. All policies in our analysis had a $10,000 coverage limit with a $250 deductible and 80% reimbursement.
Cheapest Pet Insurance Companies for Dogs
Figo offers the lowest average monthly premiums for dog insurance, but you can also find low-cost pet insurance from other companies. The table below highlights average monthly insurance costs from major insurers.

Figo
Figo's low rates come with flexibility — you can choose from three coverage levels depending on what you want to spend. You're not locked into a network of vets, and its Pet Cloud app connects you with veterinarians around the clock. For dog owners who want affordable coverage without giving up quality, Figo balances cost and features well.
Company | Monthly Premium | |
---|---|---|
1. | Figo | $43 |
2. | Embrace | $45 |
3. | GEICO | $45 |
4. | Healthy Paws | $50 |
5. | Spot | $51 |
6. | ASPCA | $51 |
7. | Hartville | $51 |
8. | 24 Pet Watch | $54 |
9. | Pumpkin | $60 |
10. | Nationwide | $74 |
Cheapest Pet Insurance Companies for Cats
Embrace has the most affordable pet insurance for cats, but you may also find low-cost options from other insurance providers. Check the table below to see how insurance premiums vary by insurer.

Embrace
Embrace provides the cheapest pet insurance policy for your cat at an average monthly premium of $20. The company's standout Healthy Pet Deductible feature, which reduces your annual deductible by $50 for each year without claims, makes its already cheap pet insurance an even better value over time. With additional discounts for multiple pets and military members, Embrace offers cat owners an affordable insurance option without compromising on quality coverage.
Company | Monthly Premium | |
---|---|---|
1. | Embrace | $20 |
2. | GEICO | $20 |
3. | Figo | $22 |
4. | Healthy Paws | $22 |
5. | Nationwide | $26 |
6. | ASPCA | $27 |
7. | 24 Pet Watch | $27 |
8. | Spot | $27 |
9. | Hartville | $28 |
10. | Pumpkin | $35 |
Cheapest Pet Insurance Companies by Pet Age
Pet insurance costs rise as your pet ages and can double or triple between ages six and 12 as health risks increase. We recommend getting affordable pet insurance when your pet is as young as possible to lock in lower rates and avoid exclusions for pre-existing conditions.
Cheapest Dog Insurance by Age
Healthy Paws offers the cheapest pet insurance for six-year-old dogs at $40 per month. Embrace provides the most affordable coverage for nine-year-old dogs at $58 monthly. Embrace remains the cheapest pet insurance provider for 12-year-old dogs at $94 per month.
Dog Age | Cheapest Company | Average Monthly Premium |
---|---|---|
6 | Healthy Paws | $40 |
9 | Embrace | $58 |
12 | Embrace | $94 |
Cheapest Cat Insurance by Age
Healthy Paws has the cheapest cat insurance for six-year-olds at $22 monthly and nine-year-olds at $34 per month. For 12-year-old cats, Embrace provides the most affordable coverage at $45 per month.
Cat Age | Company | Average Monthly Premium |
---|---|---|
6 | Healthy Paws | $22 |
9 | Healthy Paws | $34 |
12 | Embrace | $45 |
Cheapest Pet Insurance for Older Pets
Our analysis shows Embrace consistently offers the most affordable pet insurance for older dogs and cats. It has the lowest rates for nine-year-old dogs at $58 per month and 12-year-old dogs at $94 per month. While these premiums are higher than those for younger pets, they represent significant savings compared to competitors' rates for senior animals.

Embrace
Although premiums will be higher for older pets (a reality across all insurance providers), Embrace provides the most cost-effective option for continuing coverage throughout your pet's golden years. The company is suitable for older pets for several key reasons:
- No Upper Age Limit: Unlike many affordable pet insurance providers that won't accept new enrollments for pets over 10 or 14 years old, Embrace will insure pets of any age for accident and illness coverage.
- Diminishing Deductible Benefit: Its unique Healthy Pet Deductible reduces your annual deductible by $50 for each year you don't file a claim. This feature becomes especially valuable for older pets who have been insured with Embrace for several years.
- Comprehensive Coverage for Age-Related Conditions: Embrace covers many conditions common in older pets, including arthritis, heart disease and kidney issues (as long as they weren't pre-existing before enrollment).
- Customizable Coverage Options: Older pets often have different needs than younger ones. Embrace allows you to adjust coverage limits, deductibles and reimbursement percentages to create a more affordable plan that still protects against major expenses.
- Dental Illness Coverage: Dental problems become more common as pets age. Embrace includes this coverage in its standard plans, while many competitors charge extra or don't cover it at all.
Cheapest Pet Insurance Companies by Location
When comparing pet insurance rates, you'll notice costs change depending on where you live. In 39 states, the same company offers the cheapest coverage for both dogs and cats. This is good news if you have multiple pets since you can bundle everything with one insurer and potentially save on multi-pet discounts.
Cheapest Pet Insurance by State
Pet insurance rates vary from state to state, often due to differences in veterinary costs between urban and rural areas. In most states, Figo is the cheapest option for dogs. For pet insurance for cats, Figo is the most affordable provider in 26 states, while Embrace is cheapest in 25 states.
Cheapest Pet Insurance by State for Dogs
Figo offers the cheapest dog insurance rates in 27 states, with premiums as low as $24 in Wyoming. Embrace follows with the cheapest rates in 17 states. Find your state below and see which company offers the most affordable dog insurance policy.
State | Company | Monthly Premium |
---|---|---|
Alabama | Figo | $35 |
Alaska | Embrace | $34 |
Arizona | Figo | $45 |
Arkansas | Figo | $27 |
California | Embrace | $40 |
Colorado | 24 Pet Watch | $51 |
Connecticut | 24 Pet Watch | $55 |
Delaware | Figo | $39 |
Florida | Embrace | $34 |
Georgia | Embrace | $40 |
Hawaii | Embrace | $39 |
Idaho | Embrace | $37 |
Illinois | Embrace | $43 |
Indiana | Embrace | $35 |
Iowa | Figo | $32 |
Kansas | Figo | $37 |
Kentucky | Figo | $29 |
Louisiana | Embrace | $31 |
Maine | Figo | $31 |
Maryland | Figo | $43 |
Massachusetts | Figo | $46 |
Michigan | Figo | $36 |
Minnesota | Figo | $31 |
Mississippi | Figo | $39 |
Missouri | Hartville | $37 |
Montana | Embrace | $28 |
Nebraska | Figo | $32 |
Nevada | Figo | $38 |
New Hampshire | Figo | $37 |
New Jersey | Embrace | $43 |
New Mexico | Figo | $29 |
New York | 24 Pet Watch | $50 |
North Carolina | Figo | $36 |
North Dakota | Embrace | $28 |
Ohio | Figo | $34 |
Oklahoma | Figo | $28 |
Oregon | Figo | $46 |
Pennsylvania | Figo | $37 |
Rhode Island | Embrace | $25 |
South Carolina | Embrace | $34 |
South Dakota | Embrace | $34 |
Tennessee | Figo | $36 |
Texas | Figo | $34 |
Utah | Embrace | $41 |
Vermont | Figo | $35 |
Virginia | Figo | $45 |
Washington | Embrace | $33 |
Washington D.C. | Hartville | $49 |
West Virginia | Figo | $30 |
Wisconsin | Embrace | $40 |
Wyoming | Figo | $24 |
Cheapest Pet Insurance Companies by State for Cats
For cats, Figo offers the lowest cat insurance rates in 26 states, with premiums starting at $12 in Wyoming. Embrace provides the most affordable coverage for cats in 25 states. The table below shows the cheapest cat insurance provider for each state.
State | Company | Monthly Premium |
---|---|---|
Alabama | Embrace | $16 |
Alaska | Embrace | $16 |
Arizona | Figo | $22 |
Arkansas | Figo | $13 |
California | Embrace | $18 |
Colorado | Figo | $25 |
Connecticut | Embrace | $28 |
Delaware | Figo | $19 |
Florida | Embrace | $15 |
Georgia | Embrace | $18 |
Hawaii | Embrace | $18 |
Idaho | Embrace | $17 |
Illinois | Embrace | $21 |
Indiana | Embrace | $16 |
Iowa | Figo | $16 |
Kansas | Embrace | $18 |
Kentucky | Figo | $15 |
Louisiana | Embrace | $14 |
Maine | Figo | $16 |
Maryland | Figo | $21 |
Massachusetts | Figo | $23 |
Michigan | Figo | $18 |
Minnesota | Figo | $16 |
Mississippi | Embrace | $19 |
Missouri | Embrace | $18 |
Montana | Embrace | $13 |
Nebraska | Embrace | $15 |
Nevada | Figo | $19 |
New Hampshire | Figo | $18 |
New Jersey | Embrace | $20 |
New Mexico | Figo | $14 |
New York | Embrace | $25 |
North Carolina | Figo | $18 |
North Dakota | Embrace | $13 |
Ohio | Figo | $17 |
Oklahoma | Figo | $14 |
Oregon | Embrace | $22 |
Pennsylvania | Figo | $19 |
Rhode Island | Embrace | $12 |
South Carolina | Embrace | $15 |
South Dakota | Embrace | $16 |
Tennessee | Embrace | $17 |
Texas | Figo | $17 |
Utah | Embrace | $19 |
Vermont | Figo | $17 |
Virginia | Figo | $22 |
Washington | Embrace | $15 |
Washington D.C. | Figo | $26 |
West Virginia | Figo | $15 |
Wisconsin | Embrace | $18 |
Wyoming | Figo | $12 |
Cheapest Pet Insurance by City
The cost of pet insurance also varies between cities. While urban areas often have higher vet costs, these don't always translate to higher insurance premiums.
Cheapest Pet Insurance Companies by City for Dogs
In our study of 269 cities, Figo offers the most affordable dog insurance in 45% of these (121 cities). Its rates start at $24 per month. Embrace provides the cheapest coverage in 88 cities. Find your city below to see the cheapest rate in your area.
City | Company | Monthly Premium | |
---|---|---|---|
1. | AK-Anchorage | Embrace | $34 |
2. | AK-Anchorage | GEICO | $34 |
3. | AK-Fairbanks | Embrace | $34 |
4. | AK-Juneau | Embrace | $34 |
5. | AL-Birmingham | Embrace | $33 |
6. | AL-Huntsville | Figo | $35 |
7. | AL-Mobile | Embrace | $33 |
8. | AL-Montgomery | Figo | $35 |
9. | AR-Fayetteville | Figo | $27 |
10. | AR-Fort Smith | Figo | $27 |
11. | AR-Little Rock | Figo | $27 |
12. | AZ-Chandler | Figo | $52 |
13. | AZ-Gilbert | Figo | $52 |
14. | AZ-Glendale | Figo | $39 |
15. | AZ-Mesa | Figo | $52 |
16. | AZ-Peoria | Figo | $39 |
17. | AZ-Phoenix | Figo | $39 |
18. | AZ-Scottsdale | Figo | $52 |
19. | AZ-Surprise | Figo | $39 |
20. | AZ-Tempe | Figo | $52 |
21. | AZ-Tucson | Figo | $32 |
22. | CA-Anaheim | Embrace | $39 |
23. | CA-Bakersfield | Embrace | $33 |
24. | CA-Chula Vista | Embrace | $39 |
25. | CA-Fresno | Embrace | $39 |
26. | CA-Irvine | Embrace | $46 |
27. | CA-Long Beach | Embrace | $39 |
28. | CA-Los Angeles | Embrace | $39 |
29. | CA-Oakland | Hartville | $53 |
30. | CA-Oakland | Spot | $53 |
31. | CA-Riverside | Embrace | $33 |
32. | CA-Sacramento | Embrace | $39 |
33. | CA-San Diego | Embrace | $39 |
34. | CA-San Francisco | Embrace | $53 |
35. | CA-San Jose | Embrace | $39 |
36. | CA-Santa Ana | Embrace | $39 |
37. | CA-Stockton | Embrace | $33 |
38. | CO-Arvada | 24 Pet Watch | $50 |
39. | CO-Aurora | 24 Pet Watch | $50 |
40. | CO-Centennial | Hartville | $52 |
41. | CO-Centennial | Spot | $52 |
42. | CO-Colorado Springs | Figo | $44 |
43. | CO-Denver | 24 Pet Watch | $48 |
44. | CO-Fort Collins | 24 Pet Watch | $50 |
45. | CO-Lakewood | 24 Pet Watch | $50 |
46. | CO-Pueblo | Hartville | $39 |
47. | CO-Pueblo | Spot | $39 |
48. | CO-Thornton | 24 Pet Watch | $50 |
49. | CO-Westminster | 24 Pet Watch | $50 |
50. | CT-Bridgeport | Hartville | $52 |
51. | CT-Bridgeport | Spot | $52 |
52. | CT-Hartford | Figo | $47 |
53. | CT-New Haven | 24 Pet Watch | $54 |
54. | CT-Stamford | 24 Pet Watch | $56 |
55. | CT-Waterbury | Figo | $47 |
56. | DC-Washington | Hartville | $49 |
57. | DC-Washington | Spot | $49 |
58. | DE-Dover | Figo | $39 |
59. | DE-Newark | Figo | $39 |
60. | DE-Wilmington | Figo | $39 |
61. | FL-Cape Coral | Embrace | $30 |
62. | FL-Fort Lauderdale | Embrace | $37 |
63. | FL-Hialeah | Embrace | $37 |
64. | FL-Jacksonville | Embrace | $30 |
65. | FL-Miami | Embrace | $42 |
66. | FL-Orlando | Embrace | $34 |
67. | FL-Port St. Lucie | Embrace | $30 |
68. | FL-St. Petersburg | Embrace | $34 |
69. | FL-Tallahassee | Embrace | $30 |
70. | FL-Tampa | Embrace | $34 |
71. | GA-Athens | Embrace | $37 |
72. | GA-Atlanta | Embrace | $35 |
73. | GA-Augusta | Embrace | $35 |
74. | GA-Columbus | Figo | $36 |
75. | GA-Macon | Hartville | $38 |
76. | GA-Macon | Spot | $38 |
77. | GA-Sandy Springs | Figo | $44 |
78. | GA-Savannah | Embrace | $41 |
79. | HI-East Honolulu | Embrace | $39 |
80. | HI-Honolulu | Embrace | $39 |
81. | HI-Pearl City | Embrace | $39 |
82. | IA-Cedar Rapids | Figo | $32 |
83. | IA-Davenport | Figo | $32 |
84. | IA-Des Moines | Embrace | $31 |
85. | ID-Boise | Embrace | $37 |
86. | ID-Meridian | Embrace | $37 |
87. | ID-Nampa | Embrace | $37 |
88. | IL-Aurora | Embrace | $38 |
89. | IL-Chicago | Embrace | $45 |
90. | IL-Elgin | Hartville | $39 |
91. | IL-Elgin | Spot | $39 |
92. | IL-Joliet | Embrace | $38 |
93. | IL-Naperville | Figo | $47 |
94. | IL-Peoria | Embrace | $41 |
95. | IL-Rockford | Hartville | $39 |
96. | IL-Rockford | Spot | $39 |
97. | IL-Springfield | Embrace | $45 |
98. | IN-Evansville | Embrace | $35 |
99. | IN-Fort Wayne | Embrace | $35 |
100. | IN-Indianapolis | Embrace | $35 |
101. | KS-Kansas City | Embrace | $35 |
102. | KS-Olathe | Figo | $37 |
103. | KS-Overland Park | Figo | $37 |
104. | KS-Topeka | Figo | $37 |
105. | KS-Wichita | Figo | $37 |
106. | KY-Bowling Green | Figo | $29 |
107. | KY-Lexington | Figo | $29 |
108. | KY-Louisville | Figo | $29 |
109. | LA-Baton Rouge | Embrace | $31 |
110. | LA-Lafayette | Embrace | $31 |
111. | LA-New Orleans | Embrace | $31 |
112. | LA-Shreveport | Embrace | $31 |
113. | MA-Boston | Figo | $46 |
114. | MA-Cambridge | Figo | $46 |
115. | MA-Lowell | Figo | $46 |
116. | MA-Springfield | Figo | $46 |
117. | MA-Worcester | Hartville | $45 |
118. | MA-Worcester | Spot | $45 |
119. | MD-Baltimore | Embrace | $43 |
120. | MD-Columbia | Embrace | $51 |
121. | MD-Silver Spring | Figo | $41 |
122. | ME-Bangor | Figo | $31 |
123. | ME-Lewiston | Figo | $31 |
124. | ME-Portland | Figo | $31 |
125. | MI-Ann Arbor | Figo | $34 |
126. | MI-Detroit | Figo | $35 |
127. | MI-Grand Rapids | Spot | $27 |
128. | MI-Lansing | Hartville | $39 |
129. | MI-Lansing | Spot | $39 |
130. | MI-Sterling Heights | Figo | $34 |
131. | MI-Warren | Figo | $34 |
132. | MN-Minneapolis | Figo | $34 |
133. | MN-Rochester | Figo | $30 |
134. | MN-St. Paul | Figo | $30 |
135. | MO-Columbia | Figo | $46 |
136. | MO-Independence | Hartville | $34 |
137. | MO-Independence | Spot | $34 |
138. | MO-Kansas City | Embrace | $36 |
139. | MO-Springfield | Hartville | $38 |
140. | MO-Springfield | Spot | $38 |
141. | MO-St. Louis | Hartville | $38 |
142. | MO-St. Louis | Spot | $38 |
143. | MS-Gulfport | Figo | $37 |
144. | MS-Jackson | Hartville | $39 |
145. | MS-Jackson | Spot | $39 |
146. | MS-Southaven | Figo | $37 |
147. | MT-Billings | Embrace | $28 |
148. | MT-Great Falls | Embrace | $28 |
149. | MT-Missoula | Embrace | $28 |
150. | NC-Cary | Figo | $36 |
151. | NC-Charlotte | Figo | $36 |
152. | NC-Durham | Figo | $36 |
153. | NC-Fayetteville | Figo | $36 |
154. | NC-Greensboro | Figo | $36 |
155. | NC-High Point | Figo | $36 |
156. | NC-Raleigh | Figo | $36 |
157. | NC-Wilmington | Figo | $36 |
158. | NC-Winston-Salem | Figo | $36 |
159. | ND-Bismarck | Embrace | $28 |
160. | ND-Fargo | Embrace | $28 |
161. | ND-Grand Forks | Embrace | $28 |
162. | NE-Bellevue | Figo | $32 |
163. | NE-Lincoln | Figo | $32 |
164. | NE-Omaha | Figo | $32 |
165. | NH-Concord | Figo | $37 |
166. | NH-Manchester | Figo | $37 |
167. | NH-Nashua | Figo | $37 |
168. | NJ-Elizabeth | Embrace | $40 |
169. | NJ-Jersey City | Hartville | $48 |
170. | NJ-Jersey City | Spot | $48 |
171. | NJ-Newark | Embrace | $44 |
172. | NJ-Paterson | Embrace | $40 |
173. | NM-Albuquerque | Figo | $30 |
174. | NM-Las Cruces | Figo | $27 |
175. | NM-Rio Rancho | Figo | $30 |
176. | NV-Henderson | Figo | $38 |
177. | NV-Las Vegas | Figo | $40 |
178. | NV-North Las Vegas | Figo | $38 |
179. | NV-Reno | Figo | $38 |
180. | NV-Sparks | Figo | $38 |
181. | NY-Buffalo | Embrace | $45 |
182. | NY-New York | 24 Pet Watch | $53 |
183. | NY-Rochester | 24 Pet Watch | $48 |
184. | NY-Syracuse | Embrace | $45 |
185. | NY-Yonkers | 24 Pet Watch | $53 |
186. | OH-Akron | Figo | $34 |
187. | OH-Cincinnati | Figo | $34 |
188. | OH-Cleveland | Figo | $34 |
189. | OH-Columbus | Figo | $34 |
190. | OH-Dayton | Figo | $34 |
191. | OH-Toledo | Embrace | $33 |
192. | OK-Broken Arrow | Figo | $28 |
193. | OK-Norman | Figo | $28 |
194. | OK-Oklahoma City | Figo | $28 |
195. | OK-Tulsa | Figo | $28 |
196. | OR-Eugene | Figo | $42 |
197. | OR-Gresham | Figo | $49 |
198. | OR-Hillsboro | Hartville | $43 |
199. | OR-Hillsboro | Spot | $43 |
200. | OR-Portland | Figo | $49 |
201. | OR-Salem | Embrace | $36 |
202. | PA-Allentown | Figo | $37 |
203. | PA-Philadelphia | Figo | $37 |
204. | PA-Pittsburgh | Figo | $37 |
205. | RI-Cranston | Embrace | $25 |
206. | RI-Providence | Embrace | $24 |
207. | RI-Warwick | Embrace | $26 |
208. | SC-Charleston | Figo | $38 |
209. | SC-Columbia | Hartville | $48 |
210. | SC-Columbia | Spot | $48 |
211. | SC-North Charleston | Embrace | $28 |
212. | SD-Aberdeen | Embrace | $35 |
213. | SD-Rapid City | Embrace | $33 |
214. | SD-Sioux Falls | Embrace | $35 |
215. | TN-Chattanooga | Figo | $34 |
216. | TN-Clarksville | Embrace | $36 |
217. | TN-Knoxville | Figo | $34 |
218. | TN-Memphis | Embrace | $31 |
219. | TN-Murfreesboro | Figo | $34 |
220. | TN-Nashville | Embrace | $31 |
221. | TX-Amarillo | Figo | $33 |
222. | TX-Arlington | Figo | $30 |
223. | TX-Austin | Embrace | $39 |
224. | TX-Corpus Christi | Figo | $33 |
225. | TX-Dallas | Embrace | $35 |
226. | TX-El Paso | Figo | $31 |
227. | TX-Fort Worth | Embrace | $35 |
228. | TX-Garland | Figo | $35 |
229. | TX-Grand Prairie | Figo | $35 |
230. | TX-Houston | Figo | $31 |
231. | TX-Irving | Figo | $35 |
232. | TX-Laredo | Figo | $35 |
233. | TX-Lubbock | Figo | $33 |
234. | TX-Plano | Figo | $35 |
235. | TX-San Antonio | Figo | $31 |
236. | UT-Provo | Hartville | $39 |
237. | UT-Provo | Spot | $39 |
238. | UT-Salt Lake City | Embrace | $42 |
239. | UT-West Jordan | Embrace | $37 |
240. | UT-West Valley City | Embrace | $37 |
241. | VA-Alexandria | Figo | $47 |
242. | VA-Chesapeake | Figo | $47 |
243. | VA-Hampton | Figo | $42 |
244. | VA-Newport News | Figo | $42 |
245. | VA-Norfolk | Hartville | $39 |
246. | VA-Norfolk | Spot | $39 |
247. | VA-Richmond | Figo | $47 |
248. | VA-Virginia Beach | Hartville | $43 |
249. | VA-Virginia Beach | Spot | $43 |
250. | VT-Burlington | Figo | $35 |
251. | VT-Rutland | Figo | $35 |
252. | VT-South Burlington | Figo | $35 |
253. | WA-Bellevue | Figo | $39 |
254. | WA-Everett | Embrace | $29 |
255. | WA-Kent | Embrace | $29 |
256. | WA-Seattle | Embrace | $43 |
257. | WA-Spokane | Embrace | $23 |
258. | WA-Tacoma | Embrace | $29 |
259. | WA-Vancouver | Embrace | $33 |
260. | WI-Green Bay | Embrace | $39 |
261. | WI-Madison | Embrace | $42 |
262. | WI-Milwaukee | Embrace | $39 |
263. | WI-Milwaukee | GEICO | $39 |
264. | WV-Charleston | Figo | $30 |
265. | WV-Huntington | Figo | $30 |
266. | WV-Morgantown | Figo | $30 |
267. | WY-Casper | Figo | $24 |
268. | WY-Cheyenne | Figo | $24 |
269. | WY-Gillette | Figo | $24 |
Cheapest Pet Insurance Companies by City for Cats
For cat owners, Embrace is the most affordable option in 132 of cities studied (49%), with premiums as low as $11. Figo offers the lowest rates in 110 cities (41%). The table below shows the cheapest cat insurance company in each city.
City | Company | Monthly Premium |
---|---|---|
AK-Anchorage | Embrace | $16 |
AK-Fairbanks | Embrace | $16 |
AK-Juneau | Embrace | $16 |
AL-Birmingham | Embrace | $15 |
AL-Huntsville | Embrace | $16 |
AL-Mobile | Embrace | $15 |
AL-Montgomery | Figo | $17 |
AR-Fayetteville | Embrace | $13 |
AR-Fort Smith | Embrace | $13 |
AR-Little Rock | Figo | $13 |
AZ-Chandler | Nationwide | $24 |
AZ-Gilbert | Nationwide | $24 |
AZ-Glendale | Figo | $19 |
AZ-Mesa | Nationwide | $24 |
AZ-Peoria | Figo | $19 |
AZ-Phoenix | Figo | $19 |
AZ-Scottsdale | Nationwide | $24 |
AZ-Surprise | Figo | $19 |
AZ-Tempe | Nationwide | $24 |
AZ-Tucson | Figo | $16 |
CA-Anaheim | Embrace | $18 |
CA-Bakersfield | Embrace | $15 |
CA-Chula Vista | Embrace | $18 |
CA-Fresno | Embrace | $18 |
CA-Irvine | Embrace | $21 |
CA-Long Beach | Embrace | $18 |
CA-Los Angeles | Embrace | $18 |
CA-Oakland | Nationwide | $22 |
CA-Riverside | Embrace | $15 |
CA-Sacramento | Embrace | $18 |
CA-San Diego | Embrace | $18 |
CA-San Francisco | Nationwide | $22 |
CA-San Jose | Embrace | $18 |
CA-Santa Ana | Embrace | $18 |
CA-Stockton | Embrace | $15 |
CO-Arvada | Figo | $25 |
CO-Aurora | Embrace | $17 |
CO-Centennial | Figo | $26 |
CO-Colorado Springs | Figo | $22 |
CO-Denver | Embrace | $24 |
CO-Fort Collins | 24 Pet Watch | $26 |
CO-Lakewood | 24 Pet Watch | $26 |
CO-Pueblo | ASPCA | $21 |
CO-Thornton | 24 Pet Watch | $26 |
CO-Westminster | 24 Pet Watch | $26 |
CT-Bridgeport | Embrace | $27 |
CT-Hartford | Figo | $24 |
CT-New Haven | Embrace | $27 |
CT-Stamford | Embrace | $27 |
CT-Waterbury | Figo | $24 |
DC-Washington | Figo | $26 |
DE-Dover | Figo | $19 |
DE-Newark | Figo | $19 |
DE-Wilmington | Figo | $19 |
FL-Cape Coral | Embrace | $14 |
FL-Fort Lauderdale | Embrace | $17 |
FL-Hialeah | Embrace | $17 |
FL-Jacksonville | Embrace | $14 |
FL-Miami | Embrace | $19 |
FL-Orlando | Embrace | $15 |
FL-Port St. Lucie | Embrace | $14 |
FL-St. Petersburg | Embrace | $15 |
FL-Tallahassee | Embrace | $14 |
FL-Tampa | Embrace | $15 |
GA-Athens | Nationwide | $15 |
GA-Atlanta | Embrace | $16 |
GA-Augusta | Embrace | $16 |
GA-Columbus | Figo | $18 |
GA-Macon | Embrace | $19 |
GA-Sandy Springs | Figo | $22 |
GA-Savannah | Embrace | $19 |
HI-East Honolulu | Embrace | $18 |
HI-Honolulu | Embrace | $18 |
HI-Pearl City | Embrace | $18 |
IA-Cedar Rapids | Figo | $16 |
IA-Davenport | Figo | $16 |
IA-Des Moines | Embrace | $14 |
ID-Boise | Embrace | $17 |
ID-Meridian | Embrace | $17 |
ID-Nampa | Embrace | $17 |
IL-Aurora | Figo | $24 |
IL-Chicago | Embrace | $21 |
IL-Elgin | Embrace | $19 |
IL-Joliet | Embrace | $17 |
IL-Naperville | Figo | $23 |
IL-Peoria | Embrace | $19 |
IL-Rockford | Embrace | $19 |
IL-Springfield | Embrace | $21 |
IN-Evansville | Embrace | $16 |
IN-Fort Wayne | Embrace | $16 |
IN-Indianapolis | Embrace | $16 |
KS-Kansas City | Embrace | $16 |
KS-Olathe | Embrace | $18 |
KS-Overland Park | Embrace | $18 |
KS-Topeka | Figo | $18 |
KS-Wichita | Figo | $18 |
KY-Bowling Green | Figo | $15 |
KY-Lexington | Figo | $15 |
KY-Louisville | Figo | $15 |
LA-Baton Rouge | Embrace | $14 |
LA-Lafayette | Embrace | $14 |
LA-New Orleans | Embrace | $14 |
LA-Shreveport | Embrace | $14 |
MA-Boston | Figo | $23 |
MA-Cambridge | Figo | $23 |
MA-Lowell | Figo | $23 |
MA-Springfield | Figo | $23 |
MA-Worcester | Embrace | $22 |
MD-Baltimore | Embrace | $20 |
MD-Columbia | Embrace | $24 |
MD-Silver Spring | Figo | $21 |
ME-Bangor | Figo | $16 |
ME-Lewiston | Figo | $16 |
ME-Portland | Figo | $16 |
MI-Ann Arbor | Figo | $17 |
MI-Detroit | Figo | $17 |
MI-Grand Rapids | Spot | $15 |
MI-Lansing | Figo | $20 |
MI-Sterling Heights | Figo | $17 |
MI-Warren | Figo | $17 |
MN-Minneapolis | Figo | $17 |
MN-Rochester | Figo | $15 |
MN-St. Paul | Figo | $15 |
MO-Columbia | Nationwide | $21 |
MO-Independence | Embrace | $17 |
MO-Kansas City | Embrace | $17 |
MO-Springfield | ASPCA | $20 |
MO-St. Louis | ASPCA | $20 |
MS-Gulfport | Embrace | $17 |
MS-Jackson | Nationwide | $19 |
MS-Southaven | Figo | $18 |
MT-Billings | Embrace | $13 |
MT-Great Falls | Embrace | $13 |
MT-Missoula | Embrace | $13 |
NC-Cary | Figo | $18 |
NC-Charlotte | Figo | $18 |
NC-Durham | Figo | $18 |
NC-Fayetteville | Figo | $18 |
NC-Greensboro | Figo | $18 |
NC-High Point | Figo | $18 |
NC-Raleigh | Figo | $18 |
NC-Wilmington | Figo | $18 |
NC-Winston-Salem | Figo | $18 |
ND-Bismarck | Embrace | $13 |
ND-Fargo | Embrace | $13 |
ND-Grand Forks | Embrace | $13 |
NE-Bellevue | Embrace | $15 |
NE-Lincoln | Embrace | $15 |
NE-Omaha | Embrace | $15 |
NH-Concord | Figo | $18 |
NH-Manchester | Figo | $18 |
NH-Nashua | Figo | $18 |
NJ-Elizabeth | Embrace | $18 |
NJ-Jersey City | Embrace | $23 |
NJ-Newark | Embrace | $20 |
NJ-Paterson | Embrace | $18 |
NM-Albuquerque | Figo | $15 |
NM-Las Cruces | Figo | $13 |
NM-Rio Rancho | Figo | $15 |
NV-Henderson | Figo | $19 |
NV-Las Vegas | Nationwide | $19 |
NV-North Las Vegas | Figo | $19 |
NV-Reno | Figo | $19 |
NV-Sparks | Figo | $19 |
NY-Buffalo | Embrace | $21 |
NY-New York | Figo | $27 |
NY-Rochester | Embrace | $25 |
NY-Syracuse | Embrace | $21 |
NY-Yonkers | Figo | $27 |
OH-Akron | Figo | $17 |
OH-Cincinnati | Figo | $17 |
OH-Cleveland | Figo | $17 |
OH-Columbus | Figo | $17 |
OH-Dayton | Figo | $17 |
OH-Toledo | Embrace | $15 |
OK-Broken Arrow | Figo | $14 |
OK-Norman | Figo | $14 |
OK-Oklahoma City | Figo | $14 |
OK-Tulsa | Figo | $14 |
OR-Eugene | Embrace | $20 |
OR-Gresham | Embrace | $23 |
OR-Hillsboro | ASPCA | $23 |
OR-Portland | Figo | $24 |
OR-Salem | Embrace | $16 |
PA-Allentown | Embrace | $19 |
PA-Philadelphia | Figo | $19 |
PA-Pittsburgh | Figo | $19 |
RI-Cranston | Embrace | $12 |
RI-Providence | Embrace | $11 |
RI-Warwick | Embrace | $12 |
SC-Charleston | Embrace | $18 |
SC-Columbia | ASPCA | $26 |
SC-North Charleston | Embrace | $13 |
SD-Aberdeen | Embrace | $16 |
SD-Rapid City | Embrace | $15 |
SD-Sioux Falls | Embrace | $16 |
TN-Chattanooga | Figo | $17 |
TN-Clarksville | Embrace | $17 |
TN-Knoxville | Figo | $17 |
TN-Memphis | Embrace | $14 |
TN-Murfreesboro | Figo | $17 |
TN-Nashville | Embrace | $14 |
TX-Amarillo | ASPCA | $15 |
TX-Arlington | Figo | $15 |
TX-Austin | Embrace | $16 |
TX-Corpus Christi | Figo | $16 |
TX-Dallas | Embrace | $16 |
TX-El Paso | Figo | $15 |
TX-Fort Worth | Embrace | $16 |
TX-Garland | Embrace | $16 |
TX-Grand Prairie | Embrace | $16 |
TX-Houston | Figo | $15 |
TX-Irving | Embrace | $16 |
TX-Laredo | Embrace | $16 |
TX-Lubbock | Figo | $16 |
TX-Plano | Figo | $17 |
TX-San Antonio | Figo | $15 |
UT-Provo | Nationwide | $20 |
UT-Salt Lake City | Embrace | $19 |
UT-West Jordan | Embrace | $17 |
UT-West Valley City | Embrace | $17 |
VA-Alexandria | Figo | $24 |
VA-Chesapeake | Embrace | $23 |
VA-Hampton | Figo | $21 |
VA-Newport News | Figo | $21 |
VA-Norfolk | ASPCA | $21 |
VA-Richmond | Figo | $23 |
VA-Virginia Beach | Figo | $22 |
VT-Burlington | Figo | $17 |
VT-Rutland | Figo | $17 |
VT-South Burlington | Figo | $17 |
WA-Bellevue | Figo | $19 |
WA-Everett | Embrace | $13 |
WA-Kent | Embrace | $13 |
WA-Seattle | Embrace | $20 |
WA-Spokane | Embrace | $11 |
WA-Tacoma | Embrace | $13 |
WA-Vancouver | Embrace | $15 |
WI-Green Bay | Embrace | $18 |
WI-Madison | Embrace | $20 |
WI-Milwaukee | Embrace | $18 |
WV-Charleston | Figo | $15 |
WV-Huntington | Figo | $15 |
WV-Morgantown | Figo | $15 |
WY-Casper | Figo | $12 |
WY-Cheyenne | Figo | $12 |
WY-Gillette | Figo | $12 |
MONEYGEEK EXPERT TIP
When searching for the cheapest pet insurance in your city, comparing quotes from Figo and Embrace is a good starting point, as these two companies consistently offer the most affordable rates nationwide.
Cheap Pet Insurance: Buying Guide
When choosing the right pet insurance policy, there are various factors to consider. For many, affordability is a significant consideration. Explore the sections below to learn more about getting affordable coverage for your pet and understanding pet insurance coverage.
How to Get Cheaper Pet Insurance
The following steps can help lower your pet insurance premiums while maintaining good coverage for your pet.
- 1
Insure while your pet is young
Rates are lower for younger pets, and you'll avoid exclusions for pre-existing conditions that develop later.
- 2
Choose a higher deductible
You can reduce your monthly premiums by selecting a higher deductible before coverage begins. However, make sure you can afford that amount if something happens to your pet.
- 3
Select a lower coverage limit
While good financial protection is important, a more modest coverage limit can reduce your costs. This can make sense if you are financially secure and can pay if you go over your coverage level during a certain period.
- 4
Pay annually instead of monthly
Many pet insurance companies give you a discount if you pay your full annual premium upfront.
- 5
Spay or neuter your pet
Spayed and neutered pets don't wander off as much. There’s also a lower probability of a health complication. Both these factors result in cheaper rates.
- 6
Microchip your pet
Insurance companies often offer discounts for microchipped pets since they're easier to recover if lost.
- 7
Ask about multi-pet discounts
Insuring multiple pets with the same company saves around 10% on costs.
- 8
Compare quotes from multiple providers
Costs vary between companies, so shop around to ensure you get the most affordable pet insurance for your pet.
What Affects the Cost of Pet Insurance?
Your pet's characteristics impact your insurance cost. To get the most affordable pet insurance, consider these factors:
Age
Younger pets cost less to insure. For example, insuring a puppy might cost $40 monthly, while coverage for a 12-year-old dog could reach $94 per month. This happens because older pets have higher risks of developing health issues.
Species
Insuring dogs usually costs more than insuring cats. Our data shows dogs average $43 monthly while cats average $20 monthly for similar coverage.
Breed
Some breeds have higher genetic risks for certain conditions. Purebreds often cost more to insure than mixed breeds because they're more likely to develop breed-specific health problems. Large dog breeds generally cost more to insure than smaller breeds.
Location
Where you live affects your premiums. Urban areas with higher veterinary costs typically have higher pet insurance rates. That's why we see significant variations in the cheapest pet insurance options across different states and cities.
Health Status
Pets with pre-existing conditions may have those conditions excluded from coverage or face higher premiums. Most affordable pet insurance plans won't cover conditions that developed before enrollment.
When the Cheapest Pet Insurance Option Might Not Be Best
The lowest-priced policy isn't always the best choice for every pet owner. Here are situations when you might want to consider paying a bit more:
For Breeds With Known Health Issues
If your pet is a breed predisposed to specific health conditions (like hip dysplasia in German Shepherds or heart issues in Cavalier King Charles Spaniels), you may benefit from a more comprehensive policy that specifically covers these conditions without exclusions. A slightly more expensive policy that includes better coverage for breed-specific issues could save you thousands in the long run.For Older Pets Needing More Coverage
As pets age, they typically need more veterinary care. Consider a slightly more expensive policy with higher coverage limits or lower deductibles if your senior pet has begun developing health issues. The additional premium might be offset by greater reimbursements for ongoing care.When Special Features Matter More Than Price
Some pet owners value specific features over the lowest cost. For instance:- If you travel frequently with your pet, Figo's coverage in Canada and Puerto Rico may be worth a slightly higher premium.
- If you want alternative treatments covered (acupuncture, hydrotherapy, etc.), Healthy Paws includes these in its standard policy.
- If you prefer not paying vet bills upfront, Nationwide's direct payment option might justify a higher monthly cost.
When Customer Service Is a Priority
Responsive customer service and quick claims processing can be invaluable in emergencies. Companies with strong reputations for customer service might cost a bit more each month, but that extra expense often pays off when you're stressed about a sick pet and need help navigating a claim.
Remember that the true value of pet insurance comes when you need to make significant claims. At that point, comprehensive coverage and reliable service often outweigh small differences in monthly premiums.
How Does Pet Insurance Work?
Pet insurance companies offer different coverage levels, so what you get varies widely depending on your insurer. Here's what to look for when you want affordable coverage that still meets your needs:
- Per-incident limits (capping payouts for each condition)
- Annual limits (ranging from $2,500 to unlimited)
- Lifetime limits (maximum the policy will pay over your pet's life)
- Dental illness coverage
- Behavioral therapy
- Alternative treatments (acupuncture, hydrotherapy)
- Prescription food (for specific conditions)
Accident-Only Coverage
This is the most basic and cheapest pet insurance option, covering injuries from accidents but not illnesses. Monthly premiums start around $10 to $15 for cats and $15 to $25 for dogs.
Accident and Illness Coverage
This is the most common type, covering injuries and illnesses, including cancer, infections and digestive problems. This comprehensive coverage has a monthly cost of $20 to $45 for cats and $30 to $70 for dogs.
Wellness Coverage
Wellness coverage, often available as an add-on to other plans, covers routine care like vaccinations, annual exams and preventative treatments. It typically adds $10 to $30 monthly to your premium.
Coverage Limits
Companies offer different annual limits:
Covered Treatments
Basic plans typically cover surgery, hospitalization and prescription medications. More comprehensive plans might include:
MONEYGEEK EXPERT TIP
When comparing affordable pet insurance options, check what's actually covered rather than just looking at the price. Some companies include more services in their standard plans, while others require additional payment for add-ons.
How Do Pet Insurance Deductibles Work?
Deductibles refer to the amount you pay before your insurance starts covering costs. Pet insurance deductibles typically work in one of two ways:
- Annual deductibles: You pay this amount once per policy year, regardless of how many claims you make. Most affordable plans offer options between $100 and $1,000.
- Per-incident deductibles: You pay the deductible for each new condition or incident. This might save money if your pet has just one major issue but costs more with multiple smaller problems.
How Do Pet Insurance Reimbursements Work?
After you've met your deductible, your insurance company covers a percentage of eligible expenses — usually 70%, 80% or 90%. Choosing a higher reimbursement rate means you'll pay more each month, but you'll owe less when your pet actually needs treatment.
Reimbursement Calculation Example:
- Your vet bill: $1,000
- Your annual deductible: $250
- Your reimbursement rate: 80%
- Calculation: ($1,000 - $250) × 0.8 = $600 reimbursement
How Payments Work
Unlike human health insurance, most pet insurance works on a reimbursement model:
- You pay the full vet bill upfront.
- You submit a claim to your insurance company.
- The company reviews your claim and applies your deductible and reimbursement rate.
- You receive reimbursement for the covered portion.
MONEYGEEK EXPERT TIP
Certain pet insurance companies like Pets Best offer direct vet payment options, reducing your out-of-pocket expenses at the time of treatment. Policies with a diminishing deductible feature (like Embrace offers) reduce your deductible by $50 for each year you don't file a claim, potentially saving you money over time.
How Do Pet Insurance Waiting Periods Work?
Most affordable pet insurance plans don't provide immediate coverage after enrollment. Waiting periods are the time between when you purchase a policy and when your coverage actually begins. These periods vary by company and condition type:
- Accident coverage: Typically one to three days (Figo offers just a one-day waiting period for accidents)
- Illness coverage: Usually 14 to 30 days (most companies require at least two weeks)
- Orthopedic conditions: Often six months for issues like hip dysplasia or cruciate ligament problems (Embrace offers an option to reduce this with a vet exam)
These waiting periods prevent people from signing up only after their pet shows symptoms or gets injured. When comparing cheap pet insurance options, consider these time frames, especially if you have a breed prone to specific conditions. Some companies offer shorter waiting periods as a competitive advantage, which can be valuable for active pets at higher risk of accidents.
Common Pet Insurance Policy Exclusions
While affordable pet insurance helps with many veterinary costs, most policies won't cover:
- Pre-existing conditions: Any health problem or injury your pet had before you signed up or during the waiting period after enrollment
- Routine or preventive care: Annual checkups, vaccinations and flea/tick prevention (unless you purchase a wellness add-on)
- Cosmetic procedures: Tail docking, ear cropping, declawing or other non-medically necessary surgeries
- Breeding or pregnancy costs: Expenses related to breeding, whelping or pregnancy complications
- Behavioral training: Most basic policies exclude non-medical behavioral training or therapy
- Experimental treatments: Procedures or therapies considered experimental or not approved by veterinary standards
MONEYGEEK EXPERT TIP
Some companies may cover "curable" pre-existing conditions after a certain period without symptoms (typically 12 months). Always read the policy details carefully before purchasing to understand exactly what's covered and what's excluded. Even the most affordable pet insurance won't help with expenses for conditions specifically listed as exclusions in your policy.
Why Pet Insurance Matters: Real Life Example
Sophie's Emergency Surgery: A Pet Parent's Story
When Mike Thompson's three-year-old Labrador Sophie suddenly became lethargic and started whimpering in pain late on a Friday night, he knew something was seriously wrong. At the emergency vet clinic, an ultrasound revealed Sophie had swallowed a small rubber toy that was causing an intestinal blockage, requiring immediate surgery.
"The estimate was $4,800 for the emergency surgery, overnight monitoring and follow-up care," Mike recalls. “I remember feeling panicked about the cost, but so grateful I had enrolled Sophie in Embrace pet insurance when she was a puppy.”
After paying the vet bill upfront, Mike submitted his claim through Embrace's app. With his $500 annual deductible already met earlier that year and 80% reimbursement level, he received $3,840 back within a week.
"Without insurance, I would have had to put that entire amount on credit cards or dip into emergency savings," Mike says. “My monthly premium of $45 has more than paid for itself with just this one incident.”
Sophie made a full recovery, and Mike continues to maintain his pet insurance policy, knowing that young, active dogs like Sophie are prone to accidents and unexpected illnesses. His story illustrates why many pet owners consider affordable pet insurance an essential part of responsible pet ownership, particularly for accident-prone breeds.
THE NUMBERS BEHIND PET EMERGENCIES
According to veterinary statistics, one in three pets will experience an emergency situation each year. Average costs for common emergencies include:
- Intestinal blockage surgery: $3,000 to $7,000
- Cruciate ligament tear repair: $3,500 to $5,500
- Treatment for ingested toxins: $1,000 to $4,000
- Emergency treatment for bloat (GDV): $2,500 to $5,000
Most Affordable Pet Insurance: Bottom Line
The right pet insurance policy balances comprehensive protection and affordability. Comparing cheap offers and providers can help you find the best pet insurance. MoneyGeek ranked the cheapest pet insurance companies for dogs and cats. Compare the most affordable pet insurance plans and get your pet covered today.
Compare Pet Insurance Rates
Ensure you're getting the best rate for your pet insurance. Compare quotes from the top insurance companies.
Cheap Pet Insurance Plans: FAQ
We answer frequently asked questions about pet insurance to help you find the best and cheapest options based on your pet's needs.
Which company provides the cheapest pet insurance for dogs?
You can purchase the best cheap pet insurance for dogs from Figo. A policy costs $43 per month on average.
Which company provides the cheapest pet insurance for cats?
The insurer offering low-cost cat insurance is Embrace. You’ll spend an average of $20 each month on a policy.
How do you get cheaper pet insurance?
You can do several things to find lower pet insurance rates. These include exploring multi-pet discounts, increasing the deductible or decreasing coverage levels in your policy.
Is pet insurance cheaper for neutered pets?
If you have a neutered pet, insurance will be cheaper since the pet will be less likely to develop health complications. The probability of a spayed or neutered pet straying is also lower, which means it won't be at as much risk of getting lost or stolen.
Is pet insurance cheaper for mixed-breed pets?
Mixed-breed pets are less likely to inherit genetic or hereditary conditions. As a result, they’re less likely to need expensive veterinary care in the future. That's why insurance for mixed-breed pets is cheaper.
Is pet insurance cheaper for emotional support animals?
Emotional Support Animals (ESA) and service dogs need special registration, but it's not a factor insurers consider when setting premiums. As such, the cost of pet insurance for ESA and non-ESA pets is the same.
Best Cheap Pet Insurance Companies: Our Ratings Methodology
To obtain cost data, MoneyGeek collected quotes from 13 companies across all 50 states and Washington, D.C. Average pet insurance premiums were calculated based on rates for a policy with $10,000 coverage, a $250 deductible and 80% reimbursement. Cost data for cats was obtained through extrapolation.
Cheapest Pet Insurance: Related Pages
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.
sources
- Figo. "Pet Cloud." Accessed June 18, 2025.