Best Puppy Insurance

Pets Best is the most affordable pet insurance company for puppies, with an average rate of $19 monthly, which is 58% lower than the national average. The company also offers to pay licensed veterinarians directly for covered claims, reducing your upfront costs during emergencies.

According to our dataset, Pets Best leads in affordability rankings for the following states/regions:

• Northeast: CT, DE, ME, NH, NJ, NY, PA, RI, VT
• Midwest: IA, IL, IN, KS, MI, MO, NE, ND, OH, SD, WI
• South: AL, AR, FL, GA, KY, LA, MS, NC, OK, SC, TN, TX, VA, WV
• West: AK, AZ, CA, CO, HI, ID, MT, NV, NM, OR, UT, WA

Pets Best delivers a mid to lower-tier overall customer experience for puppy insurance, ranking consistently on the low end: buying process, claims handling and policy management. While you'll get clear pricing information upfront with solid price transparency, the overall experience feels less polished, particularly during enrollment where onboarding lags at 17th place.

Below you can see how Pets Best performed in our comprehensive analysis of puppy insurance customer experiences, online reviews and direct experiences of our team.

Pets Best excels in coverage breadth, offering flexibility to customize your policy based on your puppy's needs and your budget. It's particularly ideal for purebred puppies and those prone to behavioral conditions since the provider covers hereditary and behavioral conditions in its base plan. That said, the company has a six-month waiting period for cruciate ligament events, which may be a drawback for larger purebred puppies like Labrador Retrievers, Golden Retrievers and Rottweilers that are prone to knee injuries.

Here's how Pets Best's coverage breaks down:

Pumpkin is the third-cheapest for puppy insurance. It averages $28 a month, saving people 37%. The insurer is good for animals that get ligament or knee conditions, such as hip dysplasia. You can reduce costs by offering discounts for multiple pets and for veterinary staff.

Pumpkin ranks first across buying, claims and policy management. You file claims easily through the mobile app with fast reimbursements.

Pumpkin is in eighth place in coverage due to its limited customization options. Its waiting period for ligament or knee conditions is short at 14 days compared to the standard six to 12 months.

At an average of $27 per month, ASPCA is the second-cheapest puppy insurance provider. This means puppy owners can save 40% on premiums compared to the national average. ASPCA works well for puppies prone to behavioral conditions, as well as those who may benefit from alternative treatments for injury recovery since the company provides coverage for these at no extra cost.

ASPCA also ranks first in affordability for these states/regions:

• South: Washington D.C.
• West: WY

ASPCA's customer experience ranks toward the bottom across buying, claims and policy management, with the weakest areas centered on digital functionality as its mobile app and billing/renewals both rank last. You'll encounter clunkier experiences managing routine tasks like updating payment methods or filing claims after vet visits compared to competitors with more refined mobile platforms, though the core functions still work adequately for basic insurance needs.

Review how ASPCA performed in our comprehensive analysis of puppy insurance customer experiences, online reviews and direct experiences of our team.

Ranking fourth for coverage, ASPCA is a strong option for puppies with high risks of developing behavioral conditions, needing alternative therapies or requiring prescription pet food because the provider includes these specialized coverages in its base plan. However, its 14-day waiting period for accidents may not be ideal for accident-prone puppies during their clumsy first year when injuries from play, training or teething are most common.

Here's what ASPCA's coverage includes:

Lemonade is in fifth place for affordability. It charges an average of $36 monthly for puppy insurance. You can get 21% savings. Lemonade is a cost-effective option for adventurous puppies who are at high risk of getting into accidents.

Lemonade's customer experience is in the middle. But its app delivers fast reimbursements.

Check out how Lemonade performed in our comprehensive analysis of puppy insurance customer experiences, online reviews, and our team's direct experiences below.

Lemonade ranks second for coverage options, offering high annual limits and extensive customization while maintaining a simplified single-plan structure. It particularly works well for accident-prone puppies due to its immediate accident coverage with no waiting periods. However, exam fees, behavioral treatment and physical therapy require purchasing optional add-ons, whereas some of Lemonade's competitors include these coverages in their base plans.

See Lemonade's coverage options and terms below.

Fetch earns fourth place in our affordability rankings for puppy insurance. The company offers rates at an average of $33 per month, which is 27% lower than the national benchmark. Fetch is particularly affordable for pet owners looking for special benefits included in the base plan at no extra cost, such as coverage for boarding fees, advertising and reward, and vacation cancellation.

Fetch delivers consistently strong customer experience across buying, claims and policy management, with its standout strength being administrative support where it ranks first, meaning you'll get highly responsive help updating coverage or handling policy changes. The company's enrollment process makes it easy to understand exactly what you're purchasing upfront without confusing pricing or hidden fees, while its claims handling ensures fair decisions and responsive support if disputes arise.

Below you can see how Fetch performed in our comprehensive analysis of puppy insurance customer experiences, online reviews and direct experiences of our team.

While Fetch lags behind at 14th place for coverage, it's still among the best for policy terms and conditions. The company also includes special coverages in its base plan, such as telehealth consultations, advertising and reward for lost pets, boarding fees if you're hospitalized, loss due to theft or straying and vacation cancellation coverage, so it's a great option for busy pet owners who prefer remote vet consultations or those who frequently travel with their puppies. However, the 15-day waiting period for accidents and illnesses is longer than most competitors' 14-day standard, meaning your puppy waits an extra day before coverage begins.

Here's what Fetch's coverage includes: