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: June 16, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade leads Delaware pet insurance with plans starting at just $9 monthly. You get affordable rates and reliable customer service
Dog owners in Delaware pay about $52 monthly for Lemonade's cheapest coverage, while cat owners pay $22 through Pumpkin.
Comparing insurers and coverage options helps you match plans to your budget and 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 Points
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 tops pet insurance for most Delaware dog breeds. Lemonade and Pets Best lead for a few specific breeds. Check which company matches your dog's needs.
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 leads the best pet insurance rankings for most cat breeds in Delaware, while Rainwalk is 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 has the lowest-priced 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
List your pet's health risks and wanted care. Breed-specific conditions and your pet's age help you find the right coverage level.
- 2Look for Available Insurance Discounts
Check whether you qualify for multi-pet plan savings or annual payment discounts. Many insurers cut rates for military members or spayed/neutered pets.
- 3Research Insurance Company Reputations
Read customer reviews and check how quickly companies process claims. Pick insurers with strong financial ratings and positive Delaware pet owner feedback.
- 4Get Multiple Insurance Quotes
Request quotes from at least three insurers offering similar coverage. Comparing deductibles, reimbursement rates and annual limits shows you the best value.
- 5Review Your Policy Annually
Schedule yearly policy reviews to spot better rates or coverage. Premiums climb as pets age, so regular plan comparisons 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.
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.
Lemonade and Pumpkin provide the most affordable pet insurance rates in Delaware. Monthly premiums start at $52 for dogs and $22 for cats.
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.
Determine your pet's coverage needs based on age, breed and health history. Research the reputations of multiple providers through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from highly rated insurers to find competitive rates that fit your budget.
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 keep our ratings accurate to pet and pet owner needs, we built our scoring around three weighted categories:
- Affordability (50%): 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%): We pulled customer ratings from across the web, industry scores from agencies like AM Best and Reddit comment sentiment to build this score.
- Coverage options (20%): We reviewed all terms, add-ons and inclusions when determining this score. We also measured these coverage restrictions and inclusions against the most commonly needed pet medical costs to assess their usefulness.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed July 13, 2026.