Several factors affect pet insurance rates, such as your pet’s breed, gender and age. Even cheap pet insurance for dogs can be roughly twice as expensive as similar coverage for cats because dogs are generally larger, and their veterinary services cost more.

Table of Contents

Key Takeaways

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You can purchase cheap pet insurance for dogs from Figo. It costs an average of $41.28 per month.

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Your unique circumstance determines the cheapest pet insurance company for you. Factors like your pet's location, species, breed and age affect rates.

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Though cost is always a significant consideration, a higher premium can be worth the additional coverage.

Compare Pet Insurance Rates

Ensure you are getting the best rate for your pet insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Cheapest Pet Insurance Overall

There are several companies offering health insurance for pets across the country. Figo offers the cheapest pet insurance for dogs at $41.28 per month on average. If you want the most affordable pet insurance policy for your cat, you can purchase it from Embrace for an average monthly premium of $19.81.

MoneyGeek gathered premiums for cats and dogs from many insurers to get these rates. All policies considered had a $10,000 coverage limit with a $250 deductible and 80% reimbursement.

Cheapest Pet Insurance Companies Overall for Dogs
Company
Monthly Premium

1.

Figo

$41.28

2.

Embrace

$42.75

3.

GEICO

$42.75

4.

Spot

$49.18

5.

ASPCA

$49.27

6.

Hartville

$49.27

7.

24 Pet Watch

$51.95

8.

Pumpkin

$57.61

9.

Nationwide

$71.73

mglogo
Cheapest for Dogs: Figo
Figo

Figo offers three customizable plans — Essential, Preferred and Ultimate — so you can meet your coverage needs without exceeding your budget. It has no network limitations, which means you can bring your pet to any licensed veterinarian in the country and have coverage. You can also download an app called Pet Cloud that gives you 24/7 access to a live vet and helps you keep your appointments and other schedules in order.

Cheapest Pet Insurance Companies Overall for Cats
Company
Monthly Premium

1.

Embrace

$19.81

2.

GEICO

$19.81

3.

Figo

$20.94

4.

Nationwide

$25.15

5.

ASPCA

$25.89

6.

24 Pet Watch

$25.92

7.

Spot

$26.31

8.

Hartville

$26.61

9.

Pumpkin

$34.05

mglogo
Cheapest for Cats: Embrace
Embrace

Embrace offers a comprehensive pet insurance policy for cats that covers all accidents and illnesses, save for pre-existing conditions. You can get a discount if you insure multiple pets with them or if you’re in the military. All policies come with the Healthy Pet Deductible, wherein your annual deductible lessens by $50 for each year you don’t file a claim.

MoneyGeek's analysis shows Figo to be the best pet insurance company for both dogs and cats. It’s also the cheapest pet insurance company for dogs, but not for cats.

Insurers consider several factors when setting premiums. Rates change based on your unique circumstances, such as location or your pet’s age, breed and gender.

There’s nothing wrong with choosing the cheapest option available. But sometimes, a higher premium is worth it if it means increased coverage for your pet.

Cheapest Pet Insurance by State

When comparing pet insurance rates, you’ll notice that they vary between states. For instance, veterinary care may be more expensive in urban areas, causing premiums to be higher in states with more urban areas.

MoneyGeek compared pet insurance companies and found Figo offering the lowest rates most frequently. Out of all states and the District of Columbia, it’s the cheapest pet insurance option for dogs in 28 jurisdictions. Embrace follows, having the lowest rates in 18 states.

Cheapest Pet Insurance Companies by State for Dogs
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

When it comes to cheap pet insurance for cats, Embrace has the lowest rate in 27 states. You can purchase the most affordable policy for cats from Figo for the other 23 states.

These two insurers provide low-cost cat insurance to all states.

Cheapest Pet Insurance Companies by State for Cats
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

It’s ideal if you can purchase cheap pet insurance for both your dog and cat from a single company. Based on MoneyGeek’s study, it’s possible for most states.

You can find the cheapest pet insurance for dogs and cats from the same company in the following states:

States

  • Alaska
  • Arkansas
  • Arizona
  • California
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Montana
  • North Carolina
  • North Dakota
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Rhode Island
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Texas
  • Utah
  • Virginia
  • Vermont
  • West Virginia
  • Washington
  • Wisconsin
  • Wyoming

If your state isn’t on this list, you may have to find multiple providers or compromise a little when choosing the best insurance policies for your pets.

Cheapest Pet Insurance by City

The cost of pet insurance doesn't just vary between states — it’s also different between cities. Although the relationship between population density and insurance cost isn’t strong, premiums are still usually higher in more populated cities. Your pet is more likely to get into an accident in an area with more people.

MoneyGeek looked at 267 cities and found that in 45% of these (120 cities), you can find the cheapest health insurance for your pet dog from Figo. Next is Embrace, which offers the lowest rates in 94 cities.

In comparison, we found 24 Pet Watch offering the most affordable pet insurance for dogs in only 12 cities.

Cheapest Pet Insurance Companies by City for Dogs
City
Company
Monthly Premium

1.

AK-Anchorage

Embrace

$34.32

2.

AK-Anchorage

GEICO

$34.32

3.

AK-Fairbanks

Embrace

$34.32

4.

AK-Juneau

Embrace

$34.32

5.

AL-Birmingham

Embrace

$32.97

6.

AL-Huntsville

Figo

$34.62

7.

AL-Mobile

Embrace

$32.97

8.

AL-Montgomery

Figo

$34.62

9.

AR-Fayetteville

Figo

$27.00

10.

AR-Fort Smith

Figo

$27.00

11.

AR-Little Rock

Figo

$27.00

12.

AZ-Chandler

Figo

$51.67

13.

AZ-Gilbert

Figo

$51.67

14.

AZ-Glendale

Figo

$38.79

15.

AZ-Mesa

Figo

$51.67

16.

AZ-Peoria

Figo

$38.79

17.

AZ-Phoenix

Figo

$38.79

18.

AZ-Scottsdale

Figo

$51.67

19.

AZ-Surprise

Figo

$38.79

20.

AZ-Tempe

Figo

$51.67

21.

AZ-Tucson

Figo

$32.37

22.

CA-Anaheim

Embrace

$38.76

23.

CA-Bakersfield

Embrace

$33.13

24.

CA-Chula Vista

Embrace

$38.76

25.

CA-Fresno

Embrace

$38.76

26.

CA-Irvine

Embrace

$45.71

27.

CA-Long Beach

Embrace

$38.76

28.

CA-Los Angeles

Embrace

$38.76

29.

CA-Oakland

Hartville

$52.52

30.

CA-Oakland

Spot

$52.52

31.

CA-Riverside

Embrace

$33.13

32.

CA-Sacramento

Embrace

$38.76

33.

CA-San Diego

Embrace

$38.76

34.

CA-San Francisco

Embrace

$53.33

35.

CA-San Jose

Embrace

$38.76

36.

CA-Santa Ana

Embrace

$38.76

37.

CA-Stockton

Embrace

$33.13

38.

CO-Arvada

24 Pet Watch

$50.25

39.

CO-Aurora

24 Pet Watch

$50.25

40.

CO-Centennial

Hartville

$51.65

41.

CO-Centennial

Spot

$51.65

42.

CO-Colorado Springs

Figo

$43.82

43.

CO-Denver

24 Pet Watch

$47.74

44.

CO-Fort Collins

24 Pet Watch

$50.25

45.

CO-Lakewood

24 Pet Watch

$50.25

46.

CO-Pueblo

Hartville

$39.27

47.

CO-Pueblo

Spot

$39.27

48.

CO-Thornton

24 Pet Watch

$50.25

49.

CO-Westminster

24 Pet Watch

$50.25

50.

CT-Bridgeport

Hartville

$51.65

51.

CT-Bridgeport

Spot

$51.65

52.

CT-Hartford

Figo

$47.36

53.

CT-New Haven

24 Pet Watch

$53.64

54.

CT-Stamford

24 Pet Watch

$56.47

55.

CT-Waterbury

Figo

$47.36

56.

DC-Washington

Hartville

$48.85

57.

DC-Washington

Spot

$48.85

58.

DE-Dover

Figo

$38.53

59.

DE-Newark

Figo

$38.53

60.

DE-Wilmington

Figo

$38.53

61.

FL-Cape Coral

Embrace

$29.78

62.

FL-Fort Lauderdale

Embrace

$36.78

63.

FL-Hialeah

Embrace

$36.78

64.

FL-Jacksonville

Embrace

$29.78

65.

FL-Miami

Embrace

$42.04

66.

FL-Orlando

Embrace

$33.53

67.

FL-Port St. Lucie

Embrace

$29.78

68.

FL-St. Petersburg

Embrace

$33.53

69.

FL-Tallahassee

Embrace

$29.78

70.

FL-Tampa

Embrace

$33.53

71.

GA-Athens

Embrace

$37.27

72.

GA-Atlanta

Embrace

$34.83

73.

GA-Augusta

Embrace

$34.83

74.

GA-Columbus

Figo

$35.99

75.

GA-Macon

Hartville

$37.94

76.

GA-Macon

Spot

$37.94

77.

GA-Sandy Springs

Figo

$43.58

78.

GA-Savannah

Embrace

$41.10

79.

HI-East Honolulu

Embrace

$38.91

80.

HI-Honolulu

Embrace

$38.91

81.

HI-Pearl City

Embrace

$38.91

82.

IA-Cedar Rapids

Figo

$31.99

83.

IA-Davenport

Figo

$31.99

84.

IA-Des Moines

Embrace

$31.39

85.

ID-Boise

Embrace

$37.37

86.

ID-Meridian

Embrace

$37.37

87.

ID-Nampa

Embrace

$37.37

88.

IL-Aurora

Embrace

$37.61

89.

IL-Chicago

Embrace

$45.14

90.

IL-Elgin

Hartville

$39.27

91.

IL-Elgin

Spot

$39.27

92.

IL-Joliet

Embrace

$37.61

93.

IL-Naperville

Figo

$47.01

94.

IL-Peoria

Embrace

$40.62

95.

IL-Rockford

Hartville

$39.27

96.

IL-Rockford

Spot

$39.27

97.

IL-Springfield

Embrace

$45.14

98.

IN-Evansville

Embrace

$35.14

99.

IN-Fort Wayne

Embrace

$35.14

100.

IN-Indianapolis

Embrace

$35.14

101.

KS-Kansas City

Embrace

$34.53

102.

KS-Olathe

Figo

$36.88

103.

KS-Overland Park

Figo

$36.88

104.

KS-Topeka

Figo

$36.88

105.

KS-Wichita

Figo

$36.88

106.

KY-Bowling Green

Figo

$29.43

107.

KY-Lexington

Figo

$29.43

108.

KY-Louisville

Figo

$29.43

109.

LA-Baton Rouge

Embrace

$30.81

110.

LA-Lafayette

Embrace

$30.81

111.

LA-New Orleans

Embrace

$30.81

112.

LA-Shreveport

Embrace

$30.81

113.

MA-Boston

Figo

$46.12

114.

MA-Cambridge

Figo

$46.12

115.

MA-Lowell

Figo

$46.12

116.

MA-Springfield

Figo

$46.12

117.

MA-Worcester

Hartville

$44.51

118.

MA-Worcester

Spot

$44.51

119.

MD-Baltimore

Embrace

$43.12

120.

MD-Columbia

Embrace

$51.30

121.

MD-Silver Spring

Figo

$41.37

122.

ME-Bangor

Figo

$31.27

123.

ME-Lewiston

Figo

$31.27

124.

ME-Portland

Figo

$31.27

125.

MI-Ann Arbor

Figo

$34.38

126.

MI-Detroit

Figo

$35.00

127.

MI-Grand Rapids

Spot

$27.13

128.

MI-Lansing

Hartville

$39.27

129.

MI-Lansing

Spot

$39.27

130.

MI-Sterling Heights

Figo

$33.93

131.

MI-Warren

Figo

$33.93

132.

MN-Minneapolis

Figo

$34.14

133.

MN-Rochester

Figo

$29.67

134.

MN-St. Paul

Figo

$29.67

135.

MO-Columbia

Figo

$45.51

136.

MO-Independence

Hartville

$34.23

137.

MO-Independence

Spot

$34.23

138.

MO-Kansas City

Embrace

$36.34

139.

MO-Springfield

Hartville

$37.71

140.

MO-Springfield

Spot

$37.71

141.

MO-St. Louis

Hartville

$37.71

142.

MO-St. Louis

Spot

$37.71

143.

MS-Gulfport

Figo

$36.85

144.

MS-Jackson

Hartville

$39.27

145.

MS-Jackson

Spot

$39.27

146.

MS-Southaven

Figo

$36.85

147.

MT-Billings

Embrace

$27.91

148.

MT-Great Falls

Embrace

$27.91

149.

MT-Missoula

Embrace

$27.91

150.

NC-Cary

Figo

$35.67

151.

NC-Charlotte

Figo

$35.67

152.

NC-Durham

Figo

$35.67

153.

NC-Fayetteville

Figo

$35.67

154.

NC-Greensboro

Figo

$35.67

155.

NC-High Point

Figo

$35.67

156.

NC-Raleigh

Figo

$35.67

157.

NC-Wilmington

Figo

$35.67

158.

NC-Winston-Salem

Figo

$35.67

159.

ND-Bismarck

Embrace

$28.35

160.

ND-Fargo

Embrace

$28.35

161.

ND-Grand Forks

Embrace

$28.35

162.

NE-Bellevue

Figo

$31.82

163.

NE-Lincoln

Figo

$32.28

164.

NE-Omaha

Figo

$31.82

165.

NH-Concord

Figo

$37.02

166.

NH-Manchester

Figo

$37.02

167.

NH-Nashua

Figo

$37.02

168.

NJ-Elizabeth

Embrace

$40.09

169.

NJ-Jersey City

Hartville

$48.42

170.

NJ-Jersey City

Spot

$48.42

171.

NJ-Newark

Embrace

$44.07

172.

NJ-Paterson

Embrace

$40.09

173.

NM-Albuquerque

Figo

$29.98

174.

NM-Las Cruces

Figo

$26.92

175.

NM-Rio Rancho

Figo

$29.98

176.

NV-Henderson

Figo

$37.94

177.

NV-Las Vegas

Figo

$40.01

178.

NV-North Las Vegas

Figo

$37.94

179.

NV-Reno

Figo

$37.94

180.

NV-Sparks

Figo

$37.94

181.

NY-Buffalo

Embrace

$44.88

182.

NY-New York

24 Pet Watch

$52.57

183.

NY-Rochester

24 Pet Watch

$47.79

184.

NY-Syracuse

Embrace

$44.88

185.

NY-Yonkers

24 Pet Watch

$52.57

186.

OH-Akron

Figo

$34.16

187.

OH-Cincinnati

Figo

$34.16

188.

OH-Cleveland

Figo

$34.16

189.

OH-Columbus

Figo

$34.16

190.

OH-Dayton

Figo

$34.16

191.

OH-Toledo

Embrace

$33.42

192.

OK-Broken Arrow

Figo

$27.62

193.

OK-Norman

Figo

$27.62

194.

OK-Oklahoma City

Figo

$27.62

195.

OK-Tulsa

Figo

$27.62

196.

OR-Eugene

Figo

$41.89

197.

OR-Gresham

Figo

$49.13

198.

OR-Hillsboro

Hartville

$43.21

199.

OR-Hillsboro

Spot

$43.21

200.

OR-Portland

Figo

$49.13

201.

OR-Salem

Embrace

$35.70

202.

PA-Allentown

Figo

$37.19

203.

PA-Philadelphia

Figo

$37.19

204.

PA-Pittsburgh

Figo

$37.19

205.

RI-Cranston

Embrace

$25.26

206.

RI-Providence

Embrace

$24.06

207.

RI-Warwick

Embrace

$26.46

208.

SC-Charleston

Figo

$38.24

209.

SC-Columbia

Hartville

$48.43

210.

SC-Columbia

Spot

$48.43

211.

SC-North Charleston

Embrace

$28.30

212.

SD-Aberdeen

Embrace

$35.11

213.

SD-Rapid City

Embrace

$32.51

214.

SD-Sioux Falls

Embrace

$35.11

215.

TN-Chattanooga

Figo

$33.88

216.

TN-Clarksville

Embrace

$35.96

217.

TN-Knoxville

Figo

$33.88

218.

TN-Memphis

Embrace

$31.00

219.

TN-Murfreesboro

Figo

$33.88

220.

TN-Nashville

Embrace

$31.00

221.

TX-Amarillo

Figo

$33.00

222.

TX-Arlington

Figo

$29.88

223.

TX-Austin

Embrace

$38.80

224.

TX-Corpus Christi

Figo

$33.00

225.

TX-Dallas

Embrace

$34.97

226.

TX-El Paso

Figo

$30.99

227.

TX-Fort Worth

Embrace

$34.97

228.

TX-Garland

Figo

$34.78

229.

TX-Grand Prairie

Figo

$34.78

230.

TX-Houston

Figo

$30.99

231.

TX-Irving

Figo

$34.78

232.

TX-Laredo

Figo

$34.66

233.

TX-Lubbock

Figo

$33.00

234.

TX-Plano

Figo

$34.78

235.

TX-San Antonio

Figo

$30.99

236.

UT-Provo

Hartville

$39.27

237.

UT-Provo

Spot

$39.27

238.

UT-Salt Lake City

Embrace

$41.70

239.

UT-West Jordan

Embrace

$37.23

240.

UT-West Valley City

Embrace

$37.23

241.

VA-Alexandria

Figo

$46.63

242.

VA-Chesapeake

Figo

$46.63

243.

VA-Hampton

Figo

$42.29

244.

VA-Newport News

Figo

$42.29

245.

VA-Norfolk

Hartville

$39.27

246.

VA-Norfolk

Spot

$39.27

247.

VA-Richmond

Figo

$46.63

248.

VA-Virginia Beach

Hartville

$43.21

249.

VA-Virginia Beach

Spot

$43.21

250.

VT-Burlington

Figo

$34.72

251.

VT-Rutland

Figo

$34.72

252.

VT-South Burlington

Figo

$34.72

253.

WA-Bellevue

Figo

$38.66

254.

WA-Everett

Embrace

$29.21

255.

WA-Kent

Embrace

$29.21

256.

WA-Seattle

Embrace

$42.76

257.

WA-Spokane

Embrace

$23.37

258.

WA-Tacoma

Embrace

$29.21

259.

WA-Vancouver

Embrace

$32.71

260.

WI-Green Bay

Embrace

$38.90

261.

WI-Madison

Embrace

$42.40

262.

WI-Milwaukee

Embrace

$38.90

263.

WI-Milwaukee

GEICO

$38.90

264.

WV-Charleston

Figo

$30.10

265.

WV-Huntington

Figo

$30.10

266.

WV-Morgantown

Figo

$30.10

267.

WY-Casper

Figo

$24.23

268.

WY-Cheyenne

Figo

$24.23

269.

WY-Gillette

Figo

$24.23

Embrace is the cheapest insurer for cats in about 49% of the cities included in this study. Next is Figo, which offers the lowest insurance rates in 41% or 102 cities.

Our data also show ties between Embrace and GEICO in many cities, which means they offer the same monthly premiums.

Cheapest Pet Insurance Companies by City for Cats
City
Company
Monthly Premium

AK-Anchorage

Embrace

$15.80

AK-Fairbanks

Embrace

$15.81

AK-Juneau

Embrace

$15.81

AL-Birmingham

Embrace

$15.19

AL-Huntsville

Embrace

$16.24

AL-Mobile

Embrace

$15.19

AL-Montgomery

Figo

$17.26

AR-Fayetteville

Embrace

$13.16

AR-Fort Smith

Embrace

$13.16

AR-Little Rock

Figo

$13.46

AZ-Chandler

Nationwide

$24.05

AZ-Gilbert

Nationwide

$24.05

AZ-Glendale

Figo

$19.34

AZ-Mesa

Nationwide

$24.05

AZ-Peoria

Figo

$19.34

AZ-Phoenix

Figo

$19.34

AZ-Scottsdale

Nationwide

$24.05

AZ-Surprise

Figo

$19.34

AZ-Tempe

Nationwide

$24.05

AZ-Tucson

Figo

$16.14

CA-Anaheim

Embrace

$17.84

CA-Bakersfield

Embrace

$15.25

CA-Chula Vista

Embrace

$17.86

CA-Fresno

Embrace

$17.86

CA-Irvine

Embrace

$21.06

CA-Long Beach

Embrace

$17.86

CA-Los Angeles

Embrace

$17.86

CA-Oakland

Nationwide

$22.47

CA-Riverside

Embrace

$15.27

CA-Sacramento

Embrace

$17.86

CA-San Diego

Embrace

$17.86

CA-San Francisco

Nationwide

$22.47

CA-San Jose

Embrace

$17.86

CA-Santa Ana

Embrace

$17.86

CA-Stockton

Embrace

$15.27

CO-Arvada

Figo

$24.88

CO-Aurora

Embrace

$17.32

CO-Centennial

Figo

$26.45

CO-Colorado Springs

Figo

$21.84

CO-Denver

Embrace

$24.38

CO-Fort Collins

24 Pet Watch

$26.22

CO-Lakewood

24 Pet Watch

$26.22

CO-Pueblo

ASPCA

$20.87

CO-Thornton

24 Pet Watch

$26.22

CO-Westminster

24 Pet Watch

$26.22

CT-Bridgeport

Embrace

$26.79

CT-Hartford

Figo

$23.61

CT-New Haven

Embrace

$26.79

CT-Stamford

Embrace

$26.79

CT-Waterbury

Figo

$23.61

DC-Washington

Figo

$25.93

DE-Dover

Figo

$19.21

DE-Newark

Figo

$19.21

DE-Wilmington

Figo

$19.21

FL-Cape Coral

Embrace

$13.72

FL-Fort Lauderdale

Embrace

$16.95

FL-Hialeah

Embrace

$16.95

FL-Jacksonville

Embrace

$13.72

FL-Miami

Embrace

$19.37

FL-Orlando

Embrace

$15.45

FL-Port St. Lucie

Embrace

$13.72

FL-St. Petersburg

Embrace

$15.45

FL-Tallahassee

Embrace

$13.72

FL-Tampa

Embrace

$15.45

GA-Athens

Nationwide

$15.35

GA-Atlanta

Embrace

$16.03

GA-Augusta

Embrace

$16.03

GA-Columbus

Figo

$17.94

GA-Macon

Embrace

$18.94

GA-Sandy Springs

Figo

$21.72

GA-Savannah

Embrace

$18.94

HI-East Honolulu

Embrace

$17.93

HI-Honolulu

Embrace

$17.93

HI-Pearl City

Embrace

$17.93

IA-Cedar Rapids

Figo

$15.95

IA-Davenport

Figo

$15.95

IA-Des Moines

Embrace

$14.46

ID-Boise

Embrace

$17.22

ID-Meridian

Embrace

$17.22

ID-Nampa

Embrace

$17.22

IL-Aurora

Figo

$23.65

IL-Chicago

Embrace

$20.80

IL-Elgin

Embrace

$18.72

IL-Joliet

Embrace

$17.33

IL-Naperville

Figo

$23.43

IL-Peoria

Embrace

$18.72

IL-Rockford

Embrace

$18.72

IL-Springfield

Embrace

$20.80

IN-Evansville

Embrace

$16.19

IN-Fort Wayne

Embrace

$16.19

IN-Indianapolis

Embrace

$16.19

KS-Kansas City

Embrace

$15.91

KS-Olathe

Embrace

$18.30

KS-Overland Park

Embrace

$18.30

KS-Topeka

Figo

$18.38

KS-Wichita

Figo

$18.38

KY-Bowling Green

Figo

$14.67

KY-Lexington

Figo

$14.67

KY-Louisville

Figo

$14.67

LA-Baton Rouge

Embrace

$14.20

LA-Lafayette

Embrace

$14.20

LA-New Orleans

Embrace

$14.20

LA-Shreveport

Embrace

$14.20

MA-Boston

Figo

$22.99

MA-Cambridge

Figo

$22.99

MA-Lowell

Figo

$22.99

MA-Springfield

Figo

$22.99

MA-Worcester

Embrace

$22.15

MD-Baltimore

Embrace

$19.87

MD-Columbia

Embrace

$23.64

MD-Silver Spring

Figo

$20.62

ME-Bangor

Figo

$15.59

ME-Lewiston

Figo

$15.59

ME-Portland

Figo

$15.59

MI-Ann Arbor

Figo

$17.30

MI-Detroit

Figo

$17.45

MI-Grand Rapids

Spot

$14.62

MI-Lansing

Figo

$20.31

MI-Sterling Heights

Figo

$16.91

MI-Warren

Figo

$16.91

MN-Minneapolis

Figo

$17.02

MN-Rochester

Figo

$14.79

MN-St. Paul

Figo

$14.79

MO-Columbia

Nationwide

$21.02

MO-Independence

Embrace

$16.75

MO-Kansas City

Embrace

$16.75

MO-Springfield

ASPCA

$20.04

MO-St. Louis

ASPCA

$20.04

MS-Gulfport

Embrace

$17.46

MS-Jackson

Nationwide

$18.95

MS-Southaven

Figo

$18.37

MT-Billings

Embrace

$12.86

MT-Great Falls

Embrace

$12.86

MT-Missoula

Embrace

$12.86

NC-Cary

Figo

$17.78

NC-Charlotte

Figo

$17.78

NC-Durham

Figo

$17.78

NC-Fayetteville

Figo

$17.78

NC-Greensboro

Figo

$17.78

NC-High Point

Figo

$17.78

NC-Raleigh

Figo

$17.78

NC-Wilmington

Figo

$17.78

NC-Winston-Salem

Figo

$17.78

ND-Bismarck

Embrace

$13.06

ND-Fargo

Embrace

$13.06

ND-Grand Forks

Embrace

$13.06

NE-Bellevue

Embrace

$15.46

NE-Lincoln

Embrace

$15.46

NE-Omaha

Embrace

$15.46

NH-Concord

Figo

$18.45

NH-Manchester

Figo

$18.45

NH-Nashua

Figo

$18.45

NJ-Elizabeth

Embrace

$18.47

NJ-Jersey City

Embrace

$22.63

NJ-Newark

Embrace

$20.31

NJ-Paterson

Embrace

$18.47

NM-Albuquerque

Figo

$15.09

NM-Las Cruces

Figo

$13.42

NM-Rio Rancho

Figo

$14.94

NV-Henderson

Figo

$18.91

NV-Las Vegas

Nationwide

$19.21

NV-North Las Vegas

Figo

$18.91

NV-Reno

Figo

$18.91

NV-Sparks

Figo

$18.91

NY-Buffalo

Embrace

$20.68

NY-New York

Figo

$26.63

NY-Rochester

Embrace

$24.82

NY-Syracuse

Embrace

$20.68

NY-Yonkers

Figo

$26.63

OH-Akron

Figo

$17.30

OH-Cincinnati

Figo

$17.03

OH-Cleveland

Figo

$17.03

OH-Columbus

Figo

$17.03

OH-Dayton

Figo

$17.03

OH-Toledo

Embrace

$15.40

OK-Broken Arrow

Figo

$13.77

OK-Norman

Figo

$13.77

OK-Oklahoma City

Figo

$13.77

OK-Tulsa

Figo

$13.77

OR-Eugene

Embrace

$20.24

OR-Gresham

Embrace

$22.70

OR-Hillsboro

ASPCA

$22.97

OR-Portland

Figo

$24.49

OR-Salem

Embrace

$16.45

PA-Allentown

Embrace

$18.69

PA-Philadelphia

Figo

$18.54

PA-Pittsburgh

Figo

$18.54

RI-Cranston

Embrace

$11.64

RI-Providence

Embrace

$11.09

RI-Warwick

Embrace

$12.19

SC-Charleston

Embrace

$17.86

SC-Columbia

ASPCA

$25.74

SC-North Charleston

Embrace

$13.04

SD-Aberdeen

Embrace

$16.17

SD-Rapid City

Embrace

$14.98

SD-Sioux Falls

Embrace

$16.18

TN-Chattanooga

Figo

$16.89

TN-Clarksville

Embrace

$16.57

TN-Knoxville

Figo

$16.89

TN-Memphis

Embrace

$14.28

TN-Murfreesboro

Figo

$16.89

TN-Nashville

Embrace

$14.28

TX-Amarillo

ASPCA

$15.45

TX-Arlington

Figo

$15.14

TX-Austin

Embrace

$16.10

TX-Corpus Christi

Figo

$16.45

TX-Dallas

Embrace

$16.11

TX-El Paso

Figo

$15.45

TX-Fort Worth

Embrace

$16.11

TX-Garland

Embrace

$16.11

TX-Grand Prairie

Embrace

$16.11

TX-Houston

Figo

$15.45

TX-Irving

Embrace

$16.11

TX-Laredo

Embrace

$16.11

TX-Lubbock

Figo

$16.45

TX-Plano

Figo

$17.34

TX-San Antonio

Figo

$15.45

UT-Provo

Nationwide

$19.68

UT-Salt Lake City

Embrace

$19.21

UT-West Jordan

Embrace

$17.16

UT-West Valley City

Embrace

$17.16

VA-Alexandria

Figo

$23.61

VA-Chesapeake

Embrace

$22.90

VA-Hampton

Figo

$21.08

VA-Newport News

Figo

$21.08

VA-Norfolk

ASPCA

$20.87

VA-Richmond

Figo

$23.24

VA-Virginia Beach

Figo

$21.76

VT-Burlington

Figo

$17.31

VT-Rutland

Figo

$17.31

VT-South Burlington

Figo

$17.31

WA-Bellevue

Figo

$19.27

WA-Everett

Embrace

$13.46

WA-Kent

Embrace

$13.46

WA-Seattle

Embrace

$19.70

WA-Spokane

Embrace

$10.77

WA-Tacoma

Embrace

$13.46

WA-Vancouver

Embrace

$15.07

WI-Green Bay

Embrace

$17.92

WI-Madison

Embrace

$19.54

WI-Milwaukee

Embrace

$17.92

WV-Charleston

Figo

$15.00

WV-Huntington

Figo

$15.00

WV-Morgantown

Figo

$15.00

WY-Casper

Figo

$12.08

WY-Cheyenne

Figo

$12.08

WY-Gillette

Figo

$12.08

Cheapest Pet Insurance by Pet Age

Age is a factor that could significantly affect pet insurance rates. The older your pet becomes, the more likely it is that they’ll get sick or injured. As a result, policy prices for aging pets tend to be higher.

For example, if you have a six-year-old dog, you can purchase a policy for $40.19 per month on average, with Healthy Paws having the lowest rate. You’ll have to pay more monthly for pet insurance as your dog ages.

Pet insurance for a nine-year-old dog costs an average of $57.67 per month, while a policy for a 12-year-old has an average monthly premium of $93.67. Embrace offers the cheapest rates for pet insurance for older dogs.

Cheapest Pet Insurance Companies by Age for Dogs
Dog Age
Cheapest Company
Average Monthly Premium

6

Healthy Paws

$40.19

9

Embrace

$57.67

12

Embrace

$93.67

You’ll spend an average of $22.07 per month on a six-year-old cat. It increases by more than $11 per month when your cat turns nine. You can purchase the cheapest cat pet insurance from Healthy Paws if you have pets within this age range.

When your cat turns 12, premiums increase by roughly $12 again — a policy has an average monthly premium of $45.43. At this point, Embrace becomes your best option for low-cost cat insurance.

Cheapest Pet Insurance Companies by Age for Cats
Cat Age
Company
Average Monthly Premium

6

Healthy Paws

$22.07

9

Healthy Paws

$33.61

12

Embrace

$45.43

How to Get Cheaper Pet Insurance

The tables above already show low-cost pet insurance, but there are more ways to lower rates further. A few of these include adjusting the inclusions in your policy and changing your payment methods. Taking the following actions can help you lower your pet insurance premiums and find affordable coverage.

1

Insure your pet while they're young.

Insurers offer lower rates for younger pets. They’re more likely to get sick or injured as they get older, making them riskier to insure.

2

Take on a higher deductible.

A deductible is an amount you pay out of pocket each time you file a claim before your policy kicks in. The higher it is, the lower your monthly premium becomes.

3

Get a lower coverage limit.

Evaluate how much coverage you need. Although it’s good to be ready for anything, a lower coverage limit makes your premium less expensive.

4

Pay annually instead of monthly.

Most insurers give you the option to pay monthly or annually. Although opting to cover an entire year’s worth of premiums can be a little daunting, it usually comes out cheaper than a monthly payment plan.

5

Spay or neuter your pet.

Pets that are spayed or neutered are less likely to stray. There’s also a lower probability of a health complication. Both these factors result in cheaper rates.

6

Microchip your pet.

A pet with a microchip is easier to find if lost or stolen. It makes insurers offer more affordable pet insurance.

7

Ask about multi-pet discounts.

You can insure all your pets with the same company. You can get around 10% off your premium from many insurance companies offering a multi-pet discount.

The younger your pets are when you insure them, the less expensive premiums are. If you find an insurer that offers a deductible that lessens each year you don’t file a claim, it can lead to a lot of savings.

In addition to age, insurers also look at your pet’s breed. Mixed breeds are less expensive to insure because they’re less susceptible to genetic or hereditary disorders. They’ll be less likely to need costlier veterinary care in the long term.

A pet is as much a part of your family as a sibling or a spouse, but how financially prepared are we when they need medical attention? Although it’s another item on our list of expenses, there are several ways to ensure that you find the best cheap pet insurance that fits your needs. It’s best to compare quotes from multiple pet insurance companies to ensure you get the best deal possible.

Frequently Asked Questions

Pet insurance doesn't necessarily have to be expensive. To help you understand your options, take a look at the answers to some common questions about insurance for cats and dogs.

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 $10,000 coverage with a $250 deductible and 80% reimbursement. Cost data for cats was obtained through extrapolation.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • Figo. "Pet Cloud." Accessed December 13, 2021.