Lemonade is the best pet insurance company in Alabama for both cats and dogs. Strong alternatives in the state include Rainwalk, Pumpkin, AKC and Spot.
Best Pet Insurance in Alabama
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Alabama, with monthly rates starting at $7. It combines competitive pricing with excellent customer service.
For the cheapest pet insurance in Alabama, Lemonade offers dog coverage at $38 monthly, while Pumpkin provides cat insurance at $16 per month.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while offering reliable protection.
Best Pet Insurance Companies in Alabama
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $38 |
| Rainwalk | 4.30 | $47 |
| AKC | 4.25 | $52 |
| Pets Best | 4.15 | $46 |
| ASPCA | 3.80 | $44 |
| Pumpkin | 3.80 | $46 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$38Average Monthly Rate for Cats
$18Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Alabama, while Rainwalk and Lemonade stand out as top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $33 |
| Pets Best | 4.35 | $20 |
| AKC | 4.3 | $44 |
| Lemonade | 4.3 | $23 |
| Spot | 3.95 | $38 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Alabama, while AKC stands out as another strong option for feline coverage. Below, you can review which companies are best for your specific cat breed in the state.
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Breed:Abyssinian
| Rainwalk | 4.5 | $26 |
| AKC | 4.45 | $33 |
| Lemonade | 4.35 | $19 |
| Pets Best | 4.3 | $24 |
| Spot | 4.15 | $25 |
Cheapest Pet Insurance in Alabama
In Alabama, Lemonade provides the most affordable dog insurance at $38 per month or $456 per year. For cats, Pumpkin offers the lowest-cost coverage at $16 monthly or $190 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $38 | $456 | -31% |
| ASPCA | $44 | $531 | -20% |
| Pets Best | $46 | $554 | -17% |
| Pumpkin | $46 | $554 | -17% |
| Rainwalk | $47 | $572 | -14% |
| Met Life | $49 | $594 | -11% |
| Hartville | $51 | $618 | -7% |
| AKC | $52 | $617 | -7% |
| Figo | $54 | $645 | -3% |
| Spot | $54 | $651 | -2% |
| Liberty Mutual | $62 | $746 | 12% |
| Embrace | $67 | $803 | 21% |
| Fetch | $77 | $928 | 40% |
| Nationwide | $86 | $1,038 | 56% |
Cheapest Alabama Pet Insurance by Dog Breed
In Alabama, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with rates starting at $12 monthly.
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Breed:Affenpinscher
| Pets Best | $20 | $247 | -51% |
| Lemonade | $23 | $279 | -45% |
| Pumpkin | $27 | $329 | -35% |
| ASPCA | $31 | $375 | -26% |
| Rainwalk | $33 | $401 | -21% |
Cheapest Alabama Pet Insurance by Cat Breed
In Alabama, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds. Rates start at $11 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $19 | $222 | -56% |
| Figo | $23 | $277 | -46% |
| Hartville | $24 | $285 | -44% |
| Pets Best | $24 | $287 | -44% |
| Spot | $25 | $299 | -41% |
How Much Is Pet Insurance in Alabama?
Alabama pet insurance costs around $66 monthly for dogs and $34 for cats. These rates are more affordable than in most states, with premiums running 26% below the national average for both types of pets.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $34 | $406 | -26% |
| Dog | $66 | $797 | -26% |
How to Get the Best Cheap Pet Insurance in Alabama
Finding the best cheap provider and coverage plan in Alabama can be difficult. Here's how to find the best pet insurance for your needs:
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Know Your Pet's Coverage Needs First
Start by listing your pet's health history and potential breed-specific issues. Talk with your vet about which coverage types matter most for your pet's age and breed.
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Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many insurers offer discounts for military members or spayed/neutered pets.
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Check Company Reviews and Coverage
Read customer reviews and check each company's claim payment history. Focus on insurers with strong ratings and a history of fair claim settlements in Alabama.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies. Make sure each quote includes similar coverage levels so you can compare prices fairly.
- 5
Review Your Policy Every Year
Pet insurance rates often increase as pets age. Compare new quotes annually to ensure you're still getting the best deal for your coverage needs.
Best Pet Insurance in Alabama: Bottom Line
Lemonade is our top pick for pet insurance in Alabama, while Pumpkin offers some of the most affordable coverage options. These providers stand out for different pets: Lemonade excels for dog coverage, while Pumpkin offers competitive rates for cat insurance. Your ideal provider depends on your pet's needs, so compare options before choosing a plan.
Pet Insurance in Alabama: FAQ
Here are answers to frequently asked questions about Alabama pet insurance:
What are the best pet insurance companies in Alabama?
Pet owners in Alabama can rely on several quality insurance providers. Top companies include Lemonade, Pumpkin, Spot, Rainwalk and AKC as leading providers in the state.
Which company has the cheapest pet insurance in Alabama?
Lemonade and Pumpkin are among the most affordable pet insurance providers in Alabama. Monthly premiums start at $38 for dogs and $16 for cats with basic coverage plans.
How much is pet insurance in Alabama?
In Alabama, pet insurance costs around $406 annually for cats and $797 for dogs. Annual premiums across the state can range from $50 to $9,819, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Alabama
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Alabama residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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
- Trustpilot. "Lemonade Reviews." Accessed September 15, 2025.