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
The best pet insurance companies in Delaware are Lemonade, Pumpkin, Spot and AKC, with monthly plans starting at $6.
Ready to protect your furry friend? Let's find you the perfect plan.

Updated: December 4, 2025
Advertising & Editorial Disclosure
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
| 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 |

Best Overall
Average Monthly Rate for Dogs
$52Average Monthly Rate for Cats
$25Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
- pros
Fast claims processing through its AI-powered app
Lower-than-average monthly premiums for both cats and dogs
Includes end-of-life and remembrance benefits
consCovers pets only up to age 10
No option for unlimited annual coverage
Lemonade ranks among Delaware's best pet insurance options with solid coverage for dogs and cats. The app makes filing and receiving claims quick and easy, while rates stay lower than most competitors. Flexible plans and helpful add-ons fit many pet owners' needs.
Lemonade pet insurance in Delaware runs $9 to $100 monthly based on your pet's age, breed and coverage choice. The table shows estimated monthly costs.
Data filtered by:CatMiddle Aged$10,00060%$100Lemonade $41 $488 Lemonade earns strong customer satisfaction nationwide. The company scores 4.2 out of 5 on Trustpilot with mostly positive Reddit feedback (23 of 32 user comments were favorable).
Accident and illness plans through Lemonade carry annual limits from $5,000 to $100,000. Adjust your plan with deductibles from $100 to $750 and reimbursement rates from 60% to 90%. Coverage includes diagnostics, procedures and medications. Add dental illness care, behavioral therapy or physical therapy as extras.
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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 handle claims. Pick insurers with solid financial ratings and strong 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.
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 December 6, 2025.

