Lemonade is the best pet insurance company in Las Vegas for dogs and cats, providing affordable rates and a good customer experience. Knowing your furry friend has quality financial protection gives you peace of mind. We also recommend AKC, Pumpkin, Pets Best and Figo as strong alternatives for pet coverage.
Best Pet Insurance in Las Vegas
Updated: September 9, 2025
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Key Takeaways
Lemonade provides the best pet insurance in Las Vegas, with scores of 4.5 out of 5 for dogs and 4.25 for cats, based on MoneyGeek's study.
Lemonade offers the cheapest dog insurance rates at $42 monthly, while Pumpkin has the lowest cost for insuring cats at $21 monthly among Las Vegas pet insurers.
Find the best coverage for your pet that fits your budget by comparing multiple quotes, checking company reviews and understanding policy terms and conditions.
Best Pet Insurance Companies in Las Vegas
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | 4.5 | $505 | 3 | 6 |
| AKC | 4.1 | $726 | 3 | 1 |
| Pets Best | 3.95 | $667 | 5 | 2 |
| Pumpkin | 3.95 | $569 | 3 | 11 |
| Figo | 3.8 | $631 | 7 | 5 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$42Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMost Unique Coverage Inclusion or Add-On
30-day waiting period for orthopedic conditions
Cheapest Pet Insurance in Las Vegas
Lemonade offers the cheapest pet insurance for dogs at $42 monthly, while Pumpkin provides the lowest rates for cats at $21 monthly, based on our research. ASPCA, Figo, Pets Best, Spot and Hartville round out the most affordable options for Las Vegas pet owners.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | $42 | $505 | 30% |
| Pumpkin | $48 | $569 | 21% |
| ASPCA | $52 | $623 | 14% |
| Figo | $52 | $631 | 13% |
| Pets Best | $55 | $667 | 8% |
How Much Is Pet Insurance in Las Vegas?
Knowing pet insurance costs helps you budget for your pet's health care needs. Pet insurance in Las Vegas averages $55 monthly for dogs and $30 monthly for cats, identical to Nevada's average costs. These rates give you a baseline for comparing quotes and finding coverage that fits your budget.
| Cat | $30 | $360 | 0.04% |
| Dog | $55 | $664 | -0.02% |
*Rates are based on our standard 6-years-old Labrador Retriever and 7-year-old Ragdoll profiles with $5,000 annual limits, $500 deductibles and 80% reimbursement rates.
What Factors Affect Pet Insurance Rates in Las Vegas?
Several factors affect pet insurance costs in Las Vegas, from your pet's profile to coverage choices.
Age
Our research shows that the average monthly rates in Las Vegas start at $33 for puppies under one year and reach $181 for 20-year-old dogs, while cat rates range from $20 for 1-year-old kittens to $92 for cats aged 20. Senior pets develop more health conditions and require frequent veterinary care, making them costlier to insure as claims become more likely and expensive.
Breed
The most popular dog breeds in Las Vegas are Chihuahuas, Chihuahua mixes and French Bulldogs, per a 2025 U.S. News & World Report study.
These breeds each face different insurance risk factors. Chihuahuas are prone to luxating patella, heart conditions and tracheal collapse, while French Bulldogs, due to their brachycephalic (flat-faced) structure, are susceptible to breathing problems, hip dysplasia and skin allergies. Mixed breeds cost less to insure since genetic diversity reduces hereditary health issues and disease risk.
Location
Las Vegas veterinary costs average $423 per dog visit and $553 per cat visit, per Spot Pet Insurance claims data. Vet bills run higher because Las Vegas has more emergency clinics and specialty practices than smaller Nevada towns. Pet insurers consider these local costs when setting rates, so Las Vegas pet owners pay more than rural Nevada residents.
Coverage level
Your coverage amount directly affects your monthly premium in Las Vegas. Higher annual limits, lower deductibles and higher reimbursement rates raise monthly costs but provide broader financial protection. You can customize your policies by adjusting deductibles from $100 to $500 and selecting reimbursement rates between 60% and 90% to find your ideal cost-to-coverage ratio.
How to Get the Best Cheap Pet Insurance in Las Vegas
Finding affordable premiums doesn't mean sacrificing quality coverage. Follow these steps to get the best value for pet insurance.
- 1
Figure out what coverage your pet needs
Consider your pet's age, breed and any health issues it has had, as well as the unique challenges of living in Las Vegas. The desert heat can be brutal, and there's always a chance of running into wildlife.
If you have a Chihuahua, watch out for kneecap dislocation (luxating patella), which is pretty common in the breed. French Bulldogs already have trouble breathing with those flat faces, and the Las Vegas heat worsens it. Know your breed's weak spots before you shop for insurance. Comprehensive coverage is worth it if you own breeds prone to heat stress or your pet spends time outdoors in Las Vegas' harsh summer.
- 2
Get quotes from several companies
Las Vegas pet insurance prices vary a lot between companies. Lemonade charges $42 monthly for dogs, which beats most competitors. For cats, Pumpkin's $21 rate is hard to beat. Your pet will qualify for different rates, though.
Call local agents first; they know which companies work best in your neighborhood. Online quote forms work, too, if you're in a hurry. Where you live matters more than you'd think. A pet owner in Summerlin pays different rates than someone in Henderson, even with the same company.
Some might give you a break for multiple pets, others for good behavior records. Don't leave money on the table. Ask about every discount.
- 3
Look into company reputations and reviews
Browse Trustpilot and Consumer Affairs for feedback on claim processing times and customer service quality, focusing on reviews from Las Vegas pet owners who've filed expensive claims. Look for companies with strong track records of paying high-dollar emergency bills, since Las Vegas emergency veterinary costs can reach $9,000 for dogs and $10,000 for cats, per Spot’s claims data.
- 4
Read the fine print
Carefully read policy terms, waiting periods and coverage limitations before signing up with any Las Vegas pet insurance provider. Understanding when coverage begins and what's excluded helps avoid claim surprises later.
Also, verify coverage for local emergency veterinary hospitals and specialized clinics, since Las Vegas pet owners often need access to 24/7 emergency care during extreme weather.
- 5
Reassess your rates annually
Your pet insurance isn't set in stone. When renewal time comes, take a few minutes to see if you're still getting a good deal. Las Vegas vet bills keep going up faster than most places, so your premium might jump, too.
Get some fresh quotes while you're at it. Insurance companies here often change their pet coverage costs to steal customers from each other. You might find someone offering a better rate for the same coverage you already have.
Best Pet Insurance in Las Vegas: Bottom Line
Lemonade works well for dog owners looking to save money on premiums in Las Vegas. If you have a cat, Pumpkin offers better rates.
Which company you pick depends on how much you want to spend and what health issues your pet deals with. Get quotes from multiple insurers, read customer reviews, and don't sign up until you understand precisely what you're paying for.
Best Pet Insurance in Las Vegas, Nevada: FAQ
Here are answers to common questions Las Vegas pet owners ask about insurance:
What is the best pet insurance in Las Vegas?
According to MoneyGeek's analysis, Lemonade is the best pet insurance company in Las Vegas, excelling in affordability and customer experience.
Which pet insurance company offers the cheapest rates in Las Vegas?
Lemonade offers the cheapest dog insurance in Las Vegas at $42 monthly, while Pumpkin provides the lowest cat rates at $21 monthly.
How much does pet insurance cost in Las Vegas?
Pet insurance in Las Vegas averages $55 monthly for dogs and $30 monthly for cats. Individual rates vary based on your pet's age, breed and chosen coverage level.
How do I find the best cheap pet insurance in Las Vegas?
Start by assessing your pet's specific needs based on age, breed and health history. Get quotes from at least three insurers and research company reputations on websites like Trustpilot and Consumer Affairs. Also, read each provider’s policy terms and conditions to compare features such as waiting periods and coverage exclusions.
How We Found the Best and Cheapest Pet Insurance in Las Vegas
MoneyGeek analyzed 20 major pet insurance providers nationwide to identify the best options for Las Vegas residents. We gathered quotes, evaluated customer satisfaction data and reviewed coverage contract details to tailor our recommendations.
For every quote, we used our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles, which have $5,000 annual limits, an 80% reimbursement rate and $500 deductibles.
How We Rated Each Provider
Affordability (50% of score): We analyzed proprietary quote data across multiple coverage combinations, pet ages and breeds in the U.S. to assess each provider's competitive pricing. Our analysis factored in available discounts and how companies integrate discounts into premium calculations.
Customer Experience (30% of score): We collected and analyzed customer ratings from different platforms, specifically Trustpilot and Reddit, to gauge real user satisfaction with each provider's service quality and claims handling.
Coverage Options (20% of score): We conducted comprehensive contract reviews for every provider across all states, examining policy add-ons, coverage inclusions, exclusions and restrictions to evaluate the breadth and quality of financial protection offered.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Spot Pet Insurance. "How Much Does an Average Vet Visit Cost in Las Vegas?." Accessed September 9, 2025.
- Trustpilot. "Lemonade Reviews." Accessed September 9, 2025.
- U.S. News & World Report. "The Most Popular Dog Breeds by City in the US." Accessed September 9, 2025.