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: September 12, 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: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 | $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.
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Breed: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.
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Breed: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.
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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 | $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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %: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:
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Evaluate 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.
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Look 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.
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Check 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.
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Get 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.
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Review 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
Lemonade is our top pick for pet insurance in Georgia, while Pumpkin offers the most affordable coverage options. 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
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Georgia 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 18, 2025.