Best Small Dog Insurance

Pets Best is the cheapest small dog insurer in MoneyGeek's analysis at $29 a month, which is 40% below the national average. Budget-focused owners get broad coverage without paying more for it. For owners who also want direct vet payment, Pets Best is the only carrier at this price point with both: the lowest available monthly cost and the option to pay the veterinarian directly, which cuts what you owe upfront during an emergency.

Small dog owners in the following states will find Pets Best is the most affordable option available:

• Northeast: CT, DE, NJ, NY
• Midwest: IL, IN, KS, MO, NE, SD
• South: AL, AR, FL, GA, LA, OK, TN, TX
• West: AK, AZ, ID, NM, NV

Pets Best ranks highest in price transparency among the carriers MoneyGeek tested, so owners know what they're paying before they commit. Claims submission and processing speed are weak points. The first claim and reimbursement wait are slower than higher-ranked competitors.

Pets Best ranks second for coverage. Core inclusions are broad and an unlimited annual limit is available. The three-day injury waiting period is an advantage for small breeds with high accident frequency. The six-month wait for cruciate ligament coverage is a drawback for breeds like Pomeranians and Cavalier King Charles Spaniels, where orthopedic issues are common.

Lemonade ranks fourth for affordability at $34 a month, which is 30% below the national average. Multi-pet, annual payment and bundling discounts are available and can lower the monthly rate without changing coverage.

Lemonade is the cheapest option for small dogs in the following states:

• Midwest: MI, OH
• South: MS, SC
• West: MT, UT, WA

Lemonade ranks 11th for customer experience overall, but its claims speed is a standout — reimbursements are faster than most competitors after a vet visit. Price transparency is the weak point, ranked 13th, which makes it harder to know what you'll pay before committing.

Lemonade ranks first for coverage. Policy flexibility is the broadest of any carrier reviewed, with the widest range of specialty add-ons. Accident coverage starts the day you enroll, and annual limits go up to $100,000. Behavioral treatment, physical therapy and dental illness coverage each require a separate add-on.

Pumpkin offers small dog insurance at an average rate of $32 per month, 33% lower than the national benchmark. For small dog owners who can't decide between service quality and a manageable monthly rate, Pumpkin delivers a strong combination of both. A multi-pet discount is also available, giving households with more than one small dog a straightforward way to reduce their total monthly cost.

Pumpkin excels in customer experience, with top ranks across buying, claims and policy management. The buying process is where it pulls furthest ahead: enrollment is clear and straightforward, pricing is transparent from the start and sales support ranks first among all providers, so small dog owners know exactly what they're getting before they commit. Admin support is the one area where Pumpkin slips relative to its otherwise top-tier performance, so owners who need frequent help with policy changes or coverage updates may find that specific experience less responsive than the rest.

See how Pumpkin performed across all customer experience categories in our small dog insurance analysis, including online reviews and direct testing by our team, in the table below.

Pumpkin's core inclusions are solid for small breed owners: cancer treatment, behavioral therapy and alternative therapy are all covered in the base plan, and the 14-day waiting period applies uniformly across accidents, illnesses and ligament or knee conditions, which is an advantage for small breeds like Miniature Dachshunds and Pomeranians where spinal and joint issues are common. However, small dog owners who want flexibility over deductibles, reimbursement rates and annual limits will find Pumpkin limiting compared to higher-ranked competitors.

Review Pumpkin's coverage terms and options for small dog insurance below.

ASPCA is the second-cheapest small dog insurance company at $30 per month, offering 39% savings compared to the national average. For owners of small breeds where vet costs trend higher over time, including Cavalier King Charles Spaniels with cardiac care needs or French Bulldogs with respiratory conditions, keeping monthly premiums this low matters more the longer you hold the policy. That savings gap widens further for multi-pet households, as ASPCA offers a multi-pet discount that brings the per-dog monthly cost down across every additional pet you add.

ASPCA leads in affordability for small dog insurance in these states:

• Northeast: MA, MD, ME, NH, PA, RI
• Midwest: IA, KY, MN, ND
• South: NC, OR, VA, WV, WY, DC
• West: CA, CO, HI

Ranking 16th for customer experience, ASPCA's pain points are most visible in billing and renewals and app UX. Small dog owners who prefer managing their policy digitally or want a smooth, predictable renewal process are likely to find ASPCA frustrating to work with day-to-day. Claims fairness and claims speed are the relative bright spots, which means payouts tend to be handled reasonably once a claim is in.

Use the table below to see how ASPCA performed across every customer experience category in our small dog insurance analysis, including online reviews and direct testing by our team.

ASPCA's coverage features strong core inclusions and policy terms that hold up well against pricier competitors, with behavioral treatment, alternative therapy and prescription pet food all covered in the base plan. However, small dog owners who want the broadest possible add-on options or more flexible policy customization will find higher-ranked competitors better suited to those needs.

The table below provides a quick look at ASPCA's coverage terms, waiting periods and available options for small dog insurance.

Figo carries higher premiums than the other providers in our top five, but small dog owners can still save 23% compared to the national average at 37 per month. The value case rests less on price and more on what you get at that rate: a one-day accident waiting period and a 100% reimbursement option that no competing provider in our analysis matches. A multi-pet discount is also available for households insuring more than one dog, giving owners a practical way to offset the higher base rate across multiple pets.

Figo offers the cheapest small dog insurance the states below:

• Northeast: VT
• Midwest: WI

Based on our study, claims submission ease is Figo's clearest customer experience strength, a practical advantage for small dog owners who want the process of filing a claim to be as straightforward as possible after a vet visit. Claims speed also performs well, so once a claim is submitted, reimbursements arrive faster than with most competitors. However, claims appeals ranks last, so owners who need to dispute a claim decision may find that process more frustrating than with higher-rated competitors.

The table below breaks down how Figo performed across every customer experience category in our small dog insurance analysis, including online reviews and direct testing by our team.

Figo's fifth-place finish in our coverage ranking is due to a narrower base plan and fewer built-in inclusions as alternative care, rehabilitation, physical therapy and veterinary exam fees all require separate add-ons rather than coming standard. Where Figo's coverage terms work in small dog owners' favor is the one-day accident waiting period and the 100% reimbursement option: for breeds where accident risk is immediate and vet bills can run high, those two terms together offer a level of early financial protection that no other provider in our top five matches.

The table below covers Figo's full coverage terms, waiting periods and add-on options for small dog insurance.