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: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Delaware, with monthly rates starting at $9. It combines competitive pricing with excellent customer service.
In Delaware, Lemonade provides the cheapest pet insurance for dogs at $52 per month, while Pumpkin has the lowest premiums for cats at $22.
Compare multiple insurance policies and evaluate coverage options to find the right balance of protection and cost for your pet's needs.
Best Pet Insurance Companies in Delaware
Data filtered by:Results filtered by:
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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 | $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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Delaware, while Lemonade and Pets Best are 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
| 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.
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Breed: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:Results filtered by:
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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 | $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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %: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. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health risks and the types of care you want covered. Consider factors like breed-specific conditions and your pet's age to determine the right coverage level.
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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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Research Insurance Company Reputations
Review customer feedback and claims processing times for different pet insurance providers. Focus on providers with strong financial ratings and positive customer experiences in Delaware.
- 4
Get Multiple Insurance Quotes
Get quotes from at least three insurers with comparable coverage levels. Make sure to compare deductibles, reimbursement rates and annual coverage limits.
- 5
Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs increase as pets age, so shopping around each year can lead to significant savings.
Best Pet Insurance in Delaware: Bottom Line
Lemonade is our top pick for pet insurance in Delaware for cats and dogs. For Delaware residents seeking the most affordable coverage, Pumpkin offers the best rates for cats, while Lemonade provides the cheapest dog insurance. Compare providers to find the right fit for your pet's needs.
Pet Insurance in Delaware: FAQ
Here are answers to frequently asked questions about Delaware pet insurance:
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!
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.