Updated: April 28, 2026
Advertising & Editorial Disclosure
MoneyGeek’s analysis found that these are the cheapest pet insurance companies:
>>(Click Each Provider To Learn More)
Puppy insurance costs vary based on your pet’s breed and age, your location and coverage level, so use these recommendations as a starting point.
| Pets Best | $19 | $231 | 58% |
| ASPCA | $27 | $327 | 40% |
| Pumpkin | $28 | $342 | 37% |
| Fetch | $33 | $399 | 27% |
| Lemonade | $36 | $431 | 21% |
How We Determined the Cheapest Puppy Insurance Providers
These estimates are based on a Labrador Retriever puppy under 1 and pricing is aggregated across all 50 states and Washington, D.C., for a standard puppy insurance policy with $5,000 annual limit, $500 deductible and 80% reimbursement rate.
A provider can offer the lowest premiums without being the right match for your dog’s health risks. When comparing policies, also consider coverage for breed-specific conditions, claims processing speed and customer experiences. Read our guide to the best puppy insurance companies.
Pets Best is the cheapest for puppies, with an average rate of $19 monthly ($231 annually). This saves puppy owners 58% compared to the national average. Pets Best provides a 5% discount for multiple pets, military members, veterinary staff and employer group plans. It also offers to pay licensed veterinarians directly for covered claims.
States/Regions most often cheapest in: Â
Learn More: Pets Best Pet Insurance Review
Not a fit? Jump to:Â
ASPCA costs an average of $27 per month ($327 annually) and provides 40% in savings compared to the national benchmark. It offers discounts for multiple pets, employer group plans, club membership and veterinary staff. ASPCA works especially well for larger purebred puppies since it only requires a 14-day waiting period for ligament and knee conditions, common in breeds like Golden Retrievers and German Shepherds.
States/Regions most often cheapest in: Â
Learn More: ASPCA Pet Insurance Review
Not a fit? Jump to:Â
As the third-cheapest puppy insurer, Pumpkin offers policies at an average cost of $28 per month ($342 annually), providing 37% savings compared to the national average. It also provides a 10% discount for multiple pets. It offers affordable alternative therapy coverage, such as for acupuncture, chiropractic care and hydrotherapy.
Learn More: Pumpkin Pet Insurance Review
Not a fit? Jump to:Â
With average rates of $33 monthly ($399 annually), Fetch provides 27% savings compared to the national average. It is best for military members, as it provides a 10% discount, plus additional savings on employer group plans and club memberships.
Learn More: Fetch Pet Insurance Review
Not a fit? Jump to:Â
Lemonade charges $36 monthly ($431 annually) on average, saving puppy owners 21% compared to the national benchmark. It’s cost-effective for puppies with high accident risks since it doesn't have a waiting period for accidents. Lemonade also has multi-pet, bundling and annual premium discounts to lower your premium by 5% to 10%.
Learn More: Lemonade Pet Insurance Review
Not a fit? Jump to:Â
Pets Best offers the cheapest puppy insurance for the widest range of breeds, ranking first for affordability across 125 different breeds in our study. ASPCA leads for 25 breeds, making it the second most affordable option across breed categories, while Fetch wins for Bloodhounds, Doberman Pinschers, Olde English Bulldogges, Rough Collies and Shar Peis.
| Affenpinscher | Pets Best | $12 | 65% |
| Afghan Hound | Pets Best | $17 | 57% |
| Airedale Terrier | Pets Best | $21 | 51% |
| Akita | ASPCA | $23 | 45% |
| Alaskan Husky | Pets Best | $16 | 52% |
| Alaskan Malamute | Pets Best | $21 | 48% |
| American Bulldog | Pets Best | $27 | 50% |
| American Bully | ASPCA | $32 | 40% |
| American Eskimo | Pets Best | $12 | 57% |
| American Foxhound | Pets Best | $18 | 46% |
| American Hairless Terrier | ASPCA | $15 | 50% |
| American Staffordshire Terrier | Pets Best | $22 | 48% |
| Australian Cattle Dog | Pets Best | $14 | 57% |
| Australian Kelpie | Pets Best | $18 | 46% |
| Australian Shepherd | Pets Best | $10 | 63% |
| Australian Silky Terrier | Pets Best | $10 | 62% |
| Australian Terrier | Pets Best | $10 | 67% |
| Basenji | Pets Best | $12 | 56% |
| Basset Fauve de Bretagne | Lemonade | $29 | 32% |
| Basset Hound | Pets Best | $24 | 47% |
| Beagle | Pets Best | $14 | 58% |
| Bearded Collie | Pets Best | $14 | 56% |
| Belgian Shepherd Malinois | Pets Best | $16 | 57% |
| Bernese Mountain Dog | ASPCA | $47 | 34% |
| Bichon Frise | Pets Best | $12 | 62% |
| Bloodhound | Fetch | $29 | 46% |
| Border Collie | Pets Best | $13 | 56% |
| Border Terrier | Pets Best | $12 | 63% |
| Borzoi | Pets Best | $22 | 52% |
| Boston Terrier | Pets Best | $15 | 55% |
| Boxer | Lemonade | $23 | 56% |
| Bracco Italiano | Pets Best | $17 | 59% |
| Briard | Pets Best | $18 | 54% |
| Brussels Griffon | Pets Best | $14 | 57% |
| Bull Mastiff | ASPCA | $47 | 30% |
| Bull Terrier | Pets Best | $20 | 56% |
| Cairn Terrier | Pets Best | $12 | 65% |
| Cane Corso | ASPCA | $35 | 43% |
| Caucasian Shepherd Dog | Figo | $26 | 43% |
| Cavachon | ASPCA | $15 | 48% |
| Cavalier King Charles Spaniel | Pets Best | $17 | 52% |
| Cavapoo | ASPCA | $13 | 52% |
| Central Asian Shepherd Dog | Pets Best | $25 | 49% |
| Chihuahua | Pets Best | $8 | 65% |
| Chow Chow | Pets Best | $17 | 57% |
| Clumber Spaniel | ASPCA | $21 | 49% |
| Cockapoo | Pets Best | $10 | 62% |
| Cocker spaniel | Pets Best | $16 | 58% |
| Collie | ASPCA | $18 | 44% |
| Corgi | Figo | $34 | 7% |
| Coton De Tulear | Pets Best | $12 | 58% |
| Dachshund | Pets Best | $12 | 60% |
| Dalmatian | Pets Best | $19 | 57% |
| Dingo | Pets Best | $13 | 51% |
| Doberman Pincher | Pets Best | $30 | No Data |
| Doberman Pinscher | Fetch | $56 | 25% |
| Dogue de Bordeaux | ASPCA | $47 | 35% |
| English Bulldog | Pets Best | $47 | 29% |
| English Foxhound | Pets Best | $16 | 52% |
| English Mastiff | ASPCA | $35 | 45% |
| English Pointer | Pets Best | $16 | 59% |
| English Setter | Pets Best | $16 | 57% |
| English Springer Spaniel | Pets Best | $16 | 55% |
| English Toy Terrier | ASPCA | $18 | 34% |
| Estrela Mountain Dog | Pets Best | $20 | 56% |
| Field Spaniel | Pets Best | $19 | 49% |
| Finnish Lapphund | Pets Best | $16 | 52% |
| Fox Terrier | Pets Best | $14 | 52% |
| Foxhound | Pets Best | $18 | 48% |
| French Bulldog | Pets Best | $33 | 44% |
| German Pinscher | Pets Best | $15 | 51% |
| German Shepherd | Pets Best | $18 | 53% |
| German Shorthaired Pointer | Pets Best | $15 | 58% |
| German Spitz | Pets Best | $13 | 58% |
| Golden Retriever | Pets Best | $21 | 49% |
| Goldendoodle | Pets Best | $13 | 58% |
| Gordon Setter | Pets Best | $21 | 55% |
| Great Dane | ASPCA | $35 | 47% |
| Great Pyrenees | Pets Best | $21 | 52% |
| Greyhound | Pets Best | $24 | 45% |
| Groodle | Figo | $28 | 7% |
| Harrier | Pets Best | $16 | 57% |
| Havanese | Pets Best | $11 | 58% |
| Hungarian Vizsla | Pets Best | $20 | 46% |
| Husky | ASPCA | $15 | 41% |
| Icelandic Sheepdog | Pets Best | $16 | 53% |
| Irish Setter | Pets Best | $16 | 61% |
| Irish Terrier | Pets Best | $14 | 57% |
| Italian Greyhound | Pets Best | $16 | 51% |
| Italian Spinone | Pets Best | $17 | 56% |
| Jack Russell Terrier | Pets Best | $9 | 63% |
| Japanese Chin | Pets Best | $15 | 48% |
| Japanese Spitz | ASPCA | $15 | 47% |
| Kangal Shepherd Dog | ASPCA | $28 | 33% |
| Keeshond | Pets Best | $14 | 59% |
| Komondor | ASPCA | $21 | 53% |
| Labradoodle | Pets Best | $14 | 56% |
| Labrador Retriever | Pets Best | $19 | 54% |
| Lhasa Apso | Pets Best | $11 | 61% |
| Lurcher | ASPCA | $30 | 31% |
| Maltese | Pets Best | $12 | 57% |
| Maltipoo | Pets Best | $10 | 61% |
| Miniature Bull Terrier | Pets Best | $21 | 55% |
| Miniature Dachshund | Pets Best | $13 | 56% |
| Miniature Fox Terrier | Pets Best | $12 | 66% |
| Miniature Pinscher | Pets Best | $12 | 62% |
| Miniature Poodle | Pets Best | $11 | 60% |
| Miniature Schnauzer | Pets Best | $12 | 64% |
| Mixed Breed | Wagmo | $36 | No Data |
| Mixed Breed Large (51-90 lbs) | Embrace | $38 | No Data |
| Morkie | ASPCA | $13 | 50% |
| Newfoundland | ASPCA | $38 | 38% |
| Norfolk Terrier | Pets Best | $12 | 64% |
| Norwegian Elkhound | Pets Best | $19 | 43% |
| Norwich Terrier | Pets Best | $12 | 63% |
| Old English Buldogge | Pets Best | $30 | 47% |
| Old English Sheepdog | Pets Best | $18 | 57% |
| Olde English Bulldogge | Fetch | $61 | 0% |
| Papillon | Pets Best | $10 | 62% |
| Pekingese | Pets Best | $10 | 65% |
| Pembroke Welsh Corgi | Pets Best | $17 | 51% |
| Peruvian Hairless Dog | Pets Best | $16 | 45% |
| Petit Basset Griffon Vendeen | Pets Best | $16 | 54% |
| Pitbull | Pets Best | $19 | 55% |
| Pointer | Pets Best | $16 | 51% |
| Pomeranian | Pets Best | $13 | 54% |
| Portuguese Water Dog | Pets Best | $20 | 50% |
| Pug | Pets Best | $16 | 57% |
| Puggle | Pets Best | $12 | 59% |
| Puli | Pets Best | $15 | 60% |
| Rhodesian Ridgeback | Pets Best | $25 | 45% |
| Rottweiler | ASPCA | $38 | 38% |
| Rough Collie | Fetch | $24 | 43% |
| Saint Bernard | ASPCA | $38 | 44% |
| Saluki | Pets Best | $19 | 49% |
| Samoyed | Pets Best | $17 | 52% |
| Schnoodle | Pets Best | $13 | 56% |
| Scottish Deerhound | Pets Best | $23 | 60% |
| Scottish Terrier | Pets Best | $16 | 57% |
| Shar Pei | Fetch | $29 | 50% |
| Shetland Sheepdog | Pets Best | $14 | 55% |
| Shiba Inu | Pets Best | $12 | 57% |
| Shih Tzu | Pets Best | $9 | 62% |
| Siberian Husky | Pets Best | $14 | 58% |
| Smooth Collie | Pets Best | $19 | 47% |
| Soft Coated Wheaten Terrier | Pets Best | $16 | 58% |
| Staffordshire Bull Terrier | Pets Best | $17 | 57% |
| Standard Poodle | Pets Best | $17 | 55% |
| Standard Schnauzer | Pets Best | $15 | 57% |
| Tibetan Mastiff | ASPCA | $28 | 53% |
| Tibetan Terrier | Pets Best | $16 | 58% |
| Toy Poodle | Pets Best | $12 | 56% |
| Vizsla | Pets Best | $20 | 45% |
| Weimaraner | Pets Best | $25 | 45% |
| Welsh Corgi Cardigan | Pets Best | $14 | 57% |
| Welsh Corgi Pembroke | Pets Best | $17 | 51% |
| Welsh Springer Spaniel | ASPCA | $13 | 57% |
| Welsh Terrier | Pets Best | $21 | 41% |
| West Highland White Terrier | Pets Best | $13 | 58% |
| Whippet | Pets Best | $14 | 58% |
| Wire Fox Terrier | Pets Best | $15 | 56% |
| Yorkshire terrier | Pets Best | $11 | 59% |
If you want to dig in deeper into the cheapest puppy insurance for your pet's breed, use the dedicated resources below.
At the state-level, Pets Best offers the cheapest pet insurance for puppies in 48 states. ASPCA leads in affordability for Washington, D.C. and Wyoming, while Figo provides the lowest rates in Minnesota.
| Alabama | Pets Best | $15 | 55% |
| Alaska | Pets Best | $17 | 63% |
| Arizona | Pets Best | $18 | 58% |
| Arkansas | Pets Best | $12 | 63% |
| California | Pets Best | $23 | 55% |
| Colorado | Pets Best | $28 | 46% |
| Connecticut | Pets Best | $21 | 56% |
| Delaware | Pets Best | $20 | 55% |
| Florida | Pets Best | $16 | 62% |
| Georgia | Pets Best | $20 | 53% |
| Hawaii | Pets Best | $23 | 52% |
| Idaho | Pets Best | $18 | 55% |
| Illinois | Pets Best | $19 | 59% |
| Indiana | Pets Best | $16 | 53% |
| Iowa | Pets Best | $19 | 48% |
| Kansas | Pets Best | $18 | 54% |
| Kentucky | Pets Best | $15 | 55% |
| Louisiana | Pets Best | $17 | 56% |
| Maine | Pets Best | $18 | 50% |
| Maryland | Pets Best | $22 | 48% |
| Massachusetts | Pets Best | $28 | 49% |
| Michigan | Pets Best | $17 | 57% |
| Minnesota | Figo | $16 | 58% |
| Mississippi | Pets Best | $17 | 56% |
| Missouri | Pets Best | $15 | 58% |
| Montana | Pets Best | $16 | 58% |
| Nebraska | Pets Best | $14 | 63% |
| Nevada | Pets Best | $17 | 59% |
| New Hampshire | Pets Best | $25 | 46% |
| New Jersey | Pets Best | $17 | 61% |
| New Mexico | Pets Best | $16 | 57% |
| New York | Pets Best | $19 | 60% |
| North Carolina | Pets Best | $19 | 53% |
| North Dakota | Pets Best | $14 | 60% |
| Ohio | Pets Best | $22 | 47% |
| Oklahoma | Pets Best | $15 | 60% |
| Oregon | Pets Best | $20 | 53% |
| Pennsylvania | Pets Best | $24 | 48% |
| Rhode Island | Pets Best | $18 | 52% |
| South Carolina | Pets Best | $22 | 45% |
| South Dakota | Pets Best | $18 | 56% |
| Tennessee | Pets Best | $14 | 60% |
| Texas | Pets Best | $19 | 57% |
| Utah | Pets Best | $21 | 49% |
| Vermont | Pets Best | $19 | 55% |
| Virginia | Pets Best | $22 | 47% |
| Washington | Pets Best | $29 | 50% |
| Washington D.C. | ASPCA | $29 | 53% |
| West Virginia | Pets Best | $15 | 55% |
| Wisconsin | Pets Best | $22 | 53% |
| Wyoming | ASPCA | $17 | 56% |
Use these resources to explore the cheapest puppy insurance in your state.
The most affordable puppy insurance makes sense when it provides coverage during the riskiest health period of your pet’s life. The lowest-cost policy works well when these criteria are met:
You need to find affordable puppy coverage that helps when vet bills arrive. The cheapest policy might save you money each month, but it could cost you more later if it doesn't cover what your puppy needs. If you're working with a limited budget, a basic plan provides some coverage, though you may have coverage gaps for certain conditions.
Learn More About Puppy Insurance: Puppy Insurance Guide
Is the Cheapest Right for Your Puppy?
You can reduce premiums while keeping adequate puppy coverage by doing the following:
Requesting quotes with identical deductibles, reimbursement rates and annual limits lets you see which provider offers the best value for the same coverage level.
Large breed puppies prone to hip dysplasia or heart conditions may need higher annual limits, while healthy small breeds often do fine with $5,000 to $10,000 limits that cost less.
A higher annual deductible lowers your monthly premium because you agree to pay more upfront. Choose the highest deductible you can afford in an emergency. If a $500 or $1,000 deductible fits your savings, you'll save on premiums while still getting help with major vet bills.
Choosing a 70% or 80% reimbursement rate instead of 90% reduces your premium, while still covering most of each vet bill after your deductible.
Insuring multiple pets with the same provider often gets you 5% to 10% off each policy, and paying your premium annually instead of monthly can save another 5%.
Accident-only plans cost much less than accident and illness policies because they exclude diseases and hereditary conditions. This option works well for mixed-breed puppies that have fewer genetic problems than purebreds. You can switch to comprehensive coverage later.
The lowest-cost policy only makes sense when it still covers your puppy's most likely health risks without leaving major gaps. Use our recommendations to narrow your options, then compare quotes with identical coverage levels to find the best insurer for your pet.
If you're ready to get quotes: Explore puppy insurers
Get quotes using the same profile and coverage terms from multiple providers. You can find low-cost options here based on your location.
If you're leaning towards accident-only coverage
Accident-only plans cost less but exclude illnesses, infections and hereditary conditions. This works well during your puppy's first few months. You'll want to upgrade to accident-and-illness coverage before common puppy illnesses like parvovirus or kennel cough become concerns.
If you’re unsure about your preferred deductible amount
Choose the highest deductible you can afford to pay in an emergency as this maximizes your monthly savings but still gives you adequate coverage. If you can comfortably cover a $1,000 deductible, you'll save more over time than choosing a $250 deductible with higher premiums.
If you're wondering whether to skip wellness coverage to save
Optional wellness plans increase premiums but often reimburse less. Focus your budget on accident and illness protection first. You can always add a wellness plan later.
We analyzed pricing data from 18 major pet insurance providers for puppies to identify the cheapest puppy insurers.
Dataset scope and assumptions Â
How we identified the cheapest providers
We determined which insurers offered the lowest premiums across different puppy profiles and geographic regions. Our recommendations reflect:
These results represent standardized pricing estimates based on our analysis, not personalized quotes for your specific puppy. Actual premiums vary based on your puppy's breed, age, location and the specific deductible, annual limit and reimbursement rate you select. For the most accurate answer on which provider is cheapest for your puppy, compare quotes using identical coverage terms across multiple insurers.
Learn more: Read our entire pet insurance methodology.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
