Lemonade is the best pet insurance company in Delaware for cats and dogs. Other strong insurance options in the state include AKC, Pumpkin, Pets Best and Spot.
Best Pet Insurance in Delaware
Updated: November 6, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Delaware, with plans starting at just $9 a month. It provides affordable rates and reliable customer service.
In Delaware, Lemonade offers the cheapest pet insurance for dogs at about $52 per month. Meanwhile, Pumpkin provides the lowest rates for cats at $22.
Compare several insurers and coverage options to find a plan that fits both your budget and your pet’s needs.
Best Pet Insurance Companies in Delaware
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $52 |
| AKC | 4.20 | $68 |
| Pets Best | 4.05 | $63 |
| Rainwalk | 3.95 | $72 |
| Pumpkin | 3.70 | $63 |
| ASPCA | 3.70 | $62 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$52Average Monthly Rate for Cats
$25Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC ranks as the best pet insurance for most dog breeds in Delaware. Lemonade and Pets Best lead for a few specific breeds. Check which company works best for your dog below.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $28 |
| Rainwalk | 4.3 | $50 |
| Lemonade | 4.25 | $32 |
| AKC | 4.25 | $59 |
| Spot | 3.95 | $51 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Delaware, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.45 | $43 |
| Rainwalk | 4.45 | $36 |
| Lemonade | 4.35 | $25 |
| Pets Best | 4.3 | $33 |
| Spot | 4.15 | $34 |
Cheapest Pet Insurance in Delaware
In Delaware, Lemonade offers the cheapest pet insurance for dogs at $52 per month or $623 per year. For cats, Pumpkin provides the most affordable coverage at $22 per month or $260 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $52 | $623 | -29% |
| ASPCA | $62 | $750 | -14% |
| Pets Best | $63 | $758 | -14% |
| Pumpkin | $63 | $759 | -13% |
| Figo | $67 | $805 | -8% |
| AKC | $68 | $814 | -7% |
| Met Life | $69 | $829 | -6% |
| Hartville | $70 | $837 | -5% |
| Rainwalk | $72 | $863 | -2% |
| Spot | $72 | $863 | -2% |
| Liberty Mutual | $78 | $940 | 7% |
| Embrace | $87 | $1,045 | 19% |
| Nationwide | $103 | $1,234 | 41% |
| Fetch | $106 | $1,270 | 45% |
Cheapest Delaware Pet Insurance by Dog Breed
In Delaware, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with rates starting at $17 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $28 | $338 | -49% |
| Lemonade | $32 | $381 | -43% |
| Pumpkin | $38 | $451 | -32% |
| ASPCA | $44 | $526 | -21% |
| Figo | $47 | $565 | -15% |
Cheapest Delaware Pet Insurance by Cat Breed
In Delaware, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $15 for standard coverage.
Data filtered by:
Abyssinian
| Lemonade | $25 | $304 | -54% |
| Figo | $29 | $346 | -48% |
| Hartville | $33 | $391 | -41% |
| Pets Best | $33 | $393 | -41% |
| Spot | $34 | $407 | -39% |
How Much Is Pet Insurance in Delaware?
Delaware pet insurance costs around $91 monthly for dogs and $46 for cats. These rates run slightly above the national average, with dog and cat insurance premiums costing about 1% more than typical rates across the country.
Data filtered by:
$5,000
$500
80%
| Cat | $46 | $552 | 1% |
| Dog | $91 | $1,089 | 1% |
How to Get the Best Cheap Pet Insurance in Delaware
Finding the best cheap provider and coverage plan in Delaware can be difficult. Follow these steps to find coverage that works best for you and your pet.
- 1Evaluate Your Pet's Coverage Needs First
Make a list of your pet’s health risks and the care you want included. Think about factors like breed-specific conditions and your pet’s age to find the right level of coverage.
- 2Look 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.
- 3Research Insurance Company Reputations
Check customer reviews and how quickly each company handles claims. Choose insurers with solid financial ratings and good feedback from pet owners in Delaware.
- 4Get Multiple Insurance Quotes
Request quotes from at least three insurers offering similar coverage. Compare deductibles, reimbursement rates and annual limits to see which plan gives the best value.
- 5Review Your Policy Annually
Mark your calendar to review your policy each year and look for better rates or coverage. Since premiums often rise as pets get older, comparing plans regularly can help you save money.
Best Pet Insurance in Delaware: Bottom Line
Lemonade is our top pick for pet insurance in Delaware for cats and dogs. Delaware cat owners get the best rates from Pumpkin, while dog owners pay the least with Lemonade. Compare multiple providers to find coverage that fits your pet's needs and your budget.
Pet Insurance in Delaware: FAQ
Wondering how pet insurance works in Delaware? You’ll find helpful answers below.
What are the best pet insurance companies in Delaware?
Pet owners in Delaware can find reliable coverage through Lemonade, AKC, Pumpkin, Pets Best and Spot, all highly-rated providers offering comprehensive insurance plans in the state.
Which company has the cheapest pet insurance in Delaware?
Lemonade and Pumpkin provide the most affordable pet insurance rates in Delaware. Monthly premiums start at $52 for dogs and $22 for cats.
How much is pet insurance in Delaware?
In Delaware, pet insurance costs around $552 annually for cats and $1,089 for dogs. Annual premiums across all pet types can range from $68 to $13,435, depending on coverage options and pet characteristics.
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 Delaware
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Delaware 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 7, 2025.