Lemonade is the best pet insurance company in Georgia for dogs and cats. The company leads with top scores for both types of coverage. Other strong insurance providers in the state include AKC, Pumpkin, Rainwalk and Spot.
Best Pet Insurance in Georgia
Updated: October 27, 2025
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Key Takeaways
Lemonade offers the best pet insurance in Georgia, with monthly rates starting at $8. It combines competitive pricing with excellent customer service.
For the cheapest pet insurance in Georgia, Lemonade provides dog coverage at $47 monthly, while Pumpkin offers cat insurance at $19 per month.
Compare insurance providers to find coverage matching your pet's needs and your budget while maintaining quality care standards.
Best Pet Insurance Companies in Georgia
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $47 |
| AKC | 4.15 | $62 |
| Rainwalk | 4.10 | $60 |
| Pets Best | 4.05 | $56 |
| ASPCA | 3.90 | $51 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$47Average Monthly Rate for Cats
$22Overall 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 Georgia, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $25 |
| Rainwalk | 4.3 | $42 |
| Lemonade | 4.25 | $29 |
| AKC | 4.25 | $53 |
| Spot | 4 | $44 |
Best Pet Insurance by Cat Breed
Our research shows AKC and Rainwalk dominate the best pet insurance rankings for most cat breeds in Georgia, while Pets Best offers strong coverage for select breeds. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.45 | $32 |
| AKC | 4.45 | $40 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.2 | $29 |
Cheapest Pet Insurance in Georgia
In Georgia, Lemonade offers the most affordable dog insurance at $47 per month or $559 per year. For cats, Pumpkin provides the lowest-cost coverage at $19 monthly or $233 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $47 | $559 | -27% |
| ASPCA | $51 | $616 | -19% |
| Figo | $54 | $654 | -14% |
| Met Life | $56 | $664 | -13% |
| Pets Best | $56 | $680 | -11% |
| Pumpkin | $57 | $681 | -11% |
| Hartville | $59 | $704 | -7% |
| Rainwalk | $60 | $723 | -5% |
| Spot | $62 | $740 | -3% |
| AKC | $62 | $745 | -2% |
| Liberty Mutual | $66 | $795 | 4% |
| Embrace | $80 | $963 | 27% |
| Nationwide | $93 | $1,121 | 47% |
| Fetch | $95 | $1,139 | 50% |
Cheapest Georgia Pet Insurance by Dog Breed
In Georgia, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $15 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $25 | $303 | -48% |
| Lemonade | $29 | $342 | -41% |
| Pumpkin | $34 | $404 | -31% |
| ASPCA | $36 | $434 | -25% |
| Figo | $38 | $459 | -21% |
Cheapest Georgia Pet Insurance by Cat Breed
In Georgia, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $14 for standard coverage.
Data filtered by:
Abyssinian
| Lemonade | $23 | $273 | -53% |
| Hartville | $28 | $335 | -42% |
| Spot | $29 | $349 | -40% |
| Pets Best | $30 | $352 | -39% |
| Pumpkin | $32 | $376 | -35% |
How Much Is Pet Insurance in Georgia?
Georgia pet insurance costs around $81 monthly for dogs and $41 for cats. These rates run 10% below the national average for dog policies and 9% lower for cat coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $41 | $497 | -9% |
| Dog | $81 | $976 | -10% |
How to Get the Best Cheap Pet Insurance in Georgia
Finding the best cheap provider and coverage plan in Georgia can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and the types of care they might need. Think about how much you can pay out-of-pocket versus what you want insurance to cover.
- 2Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Ask about discounts for spayed or neutered pets and preventive care packages.
- 3Check Insurance Company Track Records
Read customer reviews and check each company's claim payment history. Focus on insurers with strong financial ratings and positive feedback about customer service.
- 4Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies. Make sure each quote includes the same coverage levels so you can compare fairly.
- 5Review Your Policy Every Year
Pet insurance rates often change as pets age. Check rates from other companies annually to ensure you're still getting the best deal.
Best Pet Insurance in Georgia: Bottom Line
While Lemonade excels in dog insurance, Pumpkin provides competitive rates for cat coverage. Compare multiple providers and coverage options to find the right fit for your pet's needs.
Pet Insurance in Georgia: FAQ
Here are answers to frequently asked questions about Georgia pet insurance:
What are the best pet insurance companies in Georgia?
Based on comprehensive analysis, Lemonade, Pumpkin, Spot, AKC and Rainwalk are the leading pet insurance providers in Georgia, offering quality coverage for your pets.
Which company has the cheapest pet insurance in Georgia?
Lemonade and Pumpkin offer the most competitive pet insurance rates in Georgia. Monthly premiums start at $47 for dogs and $19 for cats.
How much is pet insurance in Georgia?
In Georgia, pet insurance costs around $497 annually for cats and $976 for dogs. Annual premiums across the state can range from $61 to $12,051, 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 Georgia
Georgia pet owners face rising veterinary costs across the state's urban and rural communities, and pet insurance helps you afford necessary care when your dog needs emergency treatment or your cat develops a chronic condition. We designed this research to show you which providers offer the best combination of affordable premiums, reliable claim payments, and comprehensive coverage for Georgia residents.
We researched all 20 major pet insurance providers in the United States and gathered quotes using standard profiles that reflect common coverage choices and popular breeds in the state.
Our baseline pet profiles:
We collected quotes for a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. Both profiles used $5,000 annual limits, 80% reimbursement, and a $500 deductible. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs surgery, diagnostic testing, or ongoing treatment for conditions like diabetes or arthritis.
How we scored each provider:
We evaluated companies across three weighted categories that reflect what matters most when you're choosing pet insurance:
- Affordability (50%): Proprietary quote data across coverage combinations, pet ages, and breeds, plus available discounts and how they reduce your premiums
- Customer Experience (30%): Customer ratings from multiple online sources, AM Best industry scores, and Reddit sentiment analysis about claim handling and reimbursement speed
- Coverage Options (20%): Policy terms, available add-ons, coverage restrictions, and how well benefits align with common veterinary expenses Georgia pets face
Why these weights: Your monthly premium is what you'll pay throughout your pet's life, making affordability the dominant factor for Georgia families managing household budgets. Customer experience carries substantial weight because affordable coverage means nothing if the company denies legitimate claims or takes months to reimburse you after expensive treatments. Coverage options matter because you need policies that actually cover the conditions your pet is likely to develop, from heartworm complications common in Georgia's climate to orthopedic issues and cancer.
This scoring system prioritizes real-world value for Georgia pet owners who need affordable premiums from companies that pay claims fairly and cover the conditions pets commonly face, ensuring you can afford quality veterinary care without draining your savings when your dog or cat needs it most.
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 6, 2025.