Cheapest Small Dog Insurance

Based on MoneyGeek's analysis, the cheapest pet insurance companies for small dogs are:

1. Pets Best: Cheapest Overall, Cheapest for Australian Terriers and Australian Silky Terriers
2. ASPCA: Cheapest for Most Small Dog Breeds
3. Pumpkin: Cheapest for Havanese and Cavapoos
4. Lemonade: Cheapest for Italian Greyhounds
5. Figo: Cheapest for Petit Basset Griffon Vendeens

Small dog insurance costs often vary based on factors like your pet's breed, location and coverage level. Use our recommendations as a starting point, then compare personalized quotes to find the lowest-cost option for your situation.

ASPCA offers the cheapest small dog insurance for the highest share of breeds in our dataset, ranking first for affordability across 49% of small dog breeds analyzed, from companion dogs like the Havanese and Cavapoo to terrier breeds like the Jack Russell Terrier, Scottish Terrier and West Highland White Terrier. Pets Best ranks first for affordability across 46% of breeds, with its strongest showing among working and sporting small breeds like the Australian Terrier, Cairn Terrier and Norfolk Terrier. 

Meanwhile, Lemonade and Figo each lead on one breed, the Italian Greyhound and Petit Basset Griffon Vendeen, respectively, making them worth checking if you own either of those breeds.

For breed-specific pricing on the most affordable small dog insurance, the dedicated resources below break down costs by breed.

Pets Best leads as the cheapest small dog insurance company in 23 states, across a mix of Southern, Midwestern and Western markets including Texas, Florida, Illinois and Alaska. ASPCA comes in second, ranking first for affordability across 19 states and Washington, D.C., with its strongest presence in the Northeast and along the West Coast, including California, Oregon and New Hampshire. Meanwhile, Lemonade leads in seven states concentrated in the Midwest, South and West.

See which providers offer the lowest small dog insurance rates in your state using the resources below.

Getting the cheapest small dog insurance only makes sense when it still pays out on the claims that matter. Before choosing the lowest-cost option, check that the policy meets the following criteria:

• Annual limit handles real costs: A yearly maximum of at least $5,000 to $10,000 may cover surgeries, hospitalizations and chronic condition management without hitting a ceiling too soon.
• Reimbursement rate reduces your share: A policy with 70% reimbursement rate or higher means the insurer covers a meaningful share of each bill. Below that, your out-of-pocket costs can add up quickly.
• Deductible works with your cash flow: Budget policies tend to carry $250 to $500 annual deductibles, so pick an amount you can pay upfront before coverage kicks in.
• Small dog health risks are covered: Small dogs can be prone to dental disease, patellar luxation and tracheal collapse, so confirm the policy covers hereditary and congenital conditions.

Make sure to aim for a good balance of low monthly costs and enough coverage when your small dog gets sick or injured. A budget plan that cuts corners on reimbursement rates or annual limits can end up costing more than a slightly pricier policy that pays out when it counts.

Learn More About Small Dog Insurance: Small Dog Insurance Guide

Is the Cheapest Right for Your Small Dog?

• Yes: Explore the cheapest providers
• No: How to get a cheaper policy without sacrificing coverage

There are several ways to lower the cost of small dog insurance while keeping the coverage that financially protects you from large, unexpected vet bills.

The cheapest small dog insurance isn't a one-size-fits-all for every pet owner. Your small dog's breed, location and coverage level affect what you'll pay, and the lowest premium only makes sense when the policy still covers the health risks your pet carries. Use our recommendations on this page as a starting point, then validate by comparing quotes on identical coverage terms across multiple insurers to determine the lowest-cost option for your specific situation.

If you're ready to get quotes: Explore small dog insurers

At this stage, determine which provider offers the most affordable small dog insurance for your pet by comparing quotes with similar coverage levels. Use our tool below to start your comparison journey based on your ZIP code.

If you're still weighing your options, the guidance on this page can help you feel confident in whatever direction makes sense for your small dog.

To identify the cheapest small dog insurance options, we collected and analyzed pricing data across 18 major pet insurance companies.

Dataset scope and assumptions  

• Providers analyzed: 18 major pet insurance providers
• Small dog profiles analyzed: Over 67,000 profiles
• Weight category: 25 pounds and under
• Breeds covered: Mixed breeds and purebreds
• Geography: All U.S. states and Washington, D.C.
• Policy baseline: $500 deductible, $5,000 annual limit, 80% reimbursement rate

How we identified the cheapest providers
We determined which insurers consistently offered the lowest premiums across different small dog profiles and geographic regions. Our recommendations reflect overall affordability based on average monthly premiums across all small dog profiles and states in our dataset.  

Important note: Our results show standardized pricing estimates, not personalized quotes for your specific dog. Your actual premium depends on your small dog's breed, age and location, plus the deductible, annual limit and reimbursement rate you choose. The most reliable way to find your cheapest option is comparing quotes from multiple providers using identical coverage terms.

Learn more: See our entire pet insurance methodology

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