It is possible to save thousands of dollars a year by keeping a pet covered with the best pet insurance in Georgia. You may also be relieved to know that your pets are covered in the event of a medical emergency. Some insurance plans cover preventative care, such as vaccinations and parasite control.

This MoneyGeek study gathered data from pet insurance companies in Georgia, including major cities like Augusta, Columbus and Macon. Our analysis can help you determine the average pet insurance costs in Georgia to find the best policy for your pet's needs.

The Best Pet Insurance Companies in Georgia

MoneyGeek researched thousands of quotes from pet insurance companies in Georgia, along with policy and coverage details, to find the state's best pet insurance companies. We identified the best companies based on their affordability and product offerings.

Pet insurance premiums vary according to your pets' breed, age and medical history, as well as your geographic location. It's important to compare quotes from different providers to ensure your pet gets the best-suited insurance policy.

Best Overall Pet Insurance in Georgia for Your Pet

Pets Best

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No upper age limit

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Plan can be used anywhere in the US, Canada and Puerto Rico

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Discount for insuring multiple pets

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Comprehensive plans cover dental treatments and behavioral conditions

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No coverage for pre-existing conditions; herbal, holistic and experimental therapies

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All comprehensive plans don’t cover exam fees

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No preventative care coverage

COMPANY HIGHLIGHTS

Pets Best is the best overall pet insurance company in Georgia, according to MoneyGeek's research. The company has three coverage options. On average, a pet insurance policy with Pets Best costs $25.50 a month.

Pet Best’s insurance plans have deductibles ranging from $50 to $1,000 for coverage limits between $5,000 and unlimited. This provider also features the most affordable unlimited coverage in the state.

Pet Best’s plans allow you to cover your pet only for accidental injuries or for both accidents and illnesses. If you want regular treatments for your pet, you can add routine care coverage to your comprehensive plan. The company's comprehensive plan covers dental care and has no upper age limit.

Best Pet Insurance Company in Georgia: Unlimited Coverage

Pets Best

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Plans are valid in the United States, Canada, and Puerto Rico

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Dental coverage available in comprehensive plans

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No upper age limit for covering pets

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Euthanasia for humane reasons covered

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Not all plans offer physical rehabilitation and prescription medication coverage

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Does not cover pre-existing conditions

COMPANY HIGHLIGHTS

For unlimited pet insurance in Georgia, MoneyGeek has ranked Pets Best as the top company. The company's BestBenefit Accident and Illness plans include unlimited coverage. However, unlimited coverage can be expensive — Pets Best quotes around $33.33 per month for an unlimited policy.

Comprehensive pet insurance plans cover a wide range of risks for pets, including accidents, dental procedures, cancer treatments and hereditary problems. Even if your pet has a recurring medical condition, Pets Best will cover it, as long as it is not a pre-existing condition. Among the companies MoneyGeek used for this analysis, Pets Best also ranked as the cheapest for unlimited coverage.

Best Pet Insurance Company in Georgia: Affordable Coverage

Pets Best

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No upper age limit for covering pets

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Multi-pet discounts

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Travel-friendly policies

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Coverage for prosthetic devices and wheelchairs

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Not all plans cover exam fees

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No preventative care coverage

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Physical rehabilitation coverage not available with all plans

COMPANY HIGHLIGHTS

Pets Best is also the best company in Georgia for affordable coverage. A single pet can be insured for $17.37 a month under the company's $5k policy. As part of the plan, your pet receives coverage for illness, injury, dental treatment and hereditary conditions. However, pre-existing conditions aren’t covered by the company.

Pets Best's policies offer affordable coverage at several levels. For a healthy pet, this allows you to select a high deductible plan with a low premium. On the other hand, paying a higher insurance premium and lower deductible allows you to get more coverage for your older or sick pets.

Best Pet Insurance Company in Georgia: Multiple Pets

Pets Best

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No upper age limit for covering pets

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Five percent discount for insuring multiple pets

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Dental coverage and prescription medication coverage in comprehensive plans

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Coverage available for behavioral conditions

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No coverage for pre-existing conditions

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All comprehensive plans don’t cover exam fees

COMPANY HIGHLIGHTS

Pets Best is also MoneyGeek's top-ranking company for insuring multiple pets in Georgia. Pets Best pet insurance coverage costs $22.95 per month, on average, after its multi-pet insurance discount. Policyholders will be covered for their pet's accidents, sicknesses, dental needs, cancer and more, depending on the level of coverage they choose.

Separately insuring multiple pets can become expensive. Pets Best's multi-pet insurance allows you to affordably enroll all of your pets. You may be eligible for a 5% discount for each pet you insure using Pet Best’s BestBenefit plans.

Best Pet Insurance Company in Georgia: Cats

Embrace

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A great range of benefits, including covering prescription drugs, alternative therapies and specialist care

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Covers pre-existing conditions after 12 months of being symptom-free

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Covers exam fees

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Does not offer unlimited coverage

COMPANY HIGHLIGHTS

MoneyGeek named Embrace the best cat insurance provider in Georgia. Cats are cheaper to insure than dogs, so for your pet cat, make sure to compare cat-specific insurance policies. In Georgia, Embrace insurance for one cat costs an average of $15.66 a month. Individuals who insure more than one pet with the company can receive a 10% discount.

This insurance covers accidents and illnesses, exam fees, surgeries and hospitalizations, and diagnostic testing. Policyholders are also insured for their pets' genetic conditions, behavioral treatments, prescription medicines and dental treatments. Unlike most other insurers, Embrace covers pre-existing conditions.

Best Pets Insurance in Georgia Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $26
  • Unlimited Coverage
    Pets Best
    $34
  • Affordable Coverage
    Pets Best
    $17
  • Multiple Pets
    Pets Best
    $23
  • Cats
    Embrace
    $16

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Georgia?

Pet insurance premiums in Georgia vary depending on your location and the amount of coverage, along with your pet's age and breed. The monthly cost of dog insurance in Georgia is about $26.03 for coverage up to $5,000, $47.02 for coverage up to $10,000 and $49.03 for unlimited coverage.

Cats are usually less expensive to insure, costing an average of $14.45 per month for coverage of $5,000, $23.47 for coverage of $10,000 and $34.01 for unlimited coverage.

Additionally, factors like your pet's age, the deductible amount and whether or not you add any extra benefits or coverage can influence pet insurance rates. It's wise to shop around and obtain personalized quotes, as each insurer evaluates these factors differently.

Average Monthly Cost of Pet Insurance in Georgia

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $26
    $47
    $49
  • Average Cost for a Cat
    $14
    $23
    $34
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HOW MUCH PET INSURANCE DO YOU NEED IN GEORGIA?

For pet insurance shoppers in Georgia, MoneyGeek recommends a coverage limit of between $3,000 and $8,000 and a reimbursement rate of at least 80%. In the event of an accident or medical emergency, you can rest assured that you will likely be able to cover the charges.

Compare the Cheapest Pet Insurance Quotes in Georgia

MoneyGeek wants to help Georgia’s pet owners understand standard options for pet insurance. These include the following:

  • Annual Reimbursement Limits: Ranges from $3k to unlimited
  • Deductible: $250 to $500, but some companies have higher or lower options
  • Bill Reimbursement Percentage: 70-90%

Pet owners in Georgia who are on a budget or who believe they don't need as much coverage may prefer cheaper or lower coverage limits, which carry lower costs. To make sure their pets are adequately covered, some pet owners in the state may require insurance with higher coverage limits.

Higher-limit policies are more expensive. The average pet owner may not need unlimited insurance. These policies, on the other hand, offer the most comprehensive coverage for your pet. MoneyGeek recommends that pet owners in Georgia purchase the following level of insurance coverage:

Cheapest Pet Insurance in Georgia by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $17
  • $10,000
    GEICO
    $40
  • Unlimited
    Pets Best
    $34

If you're looking for a cheaper pet insurance policy, consider a plan with a low yearly maximum, high deductible and low reimbursement percentage. The following table compares Georgia's pet insurance policies with a $5,000 coverage maximum, a $500 deductible and an 80% reimbursement rate.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $17
  • Pet Plan
    $21
  • Spot
    $25
  • Hartville
    $25
  • ASPCA
    $25
  • GEICO
    $28
  • Embrace
    $28
  • 24 Pet Watch
    $37
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $40
  • Embrace
    $40
  • Figo
    $41
  • Hartville
    $43
  • Spot
    $43
  • ASPCA
    $45
  • 24 Pet Watch
    $48
  • Pumpkin
    $51
  • Nationwide
    $72
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $34
  • Healthy Paws
    $35
  • Trupanion
    $43
  • Pet Plan
    $55
  • Figo
    $59
  • Spot
    $69

The Best Cheap Pet Insurance by City in Georgia

Aside from your pet's age and breed, your location may also affect the cost of pet insurance in Georgia. Treatment costs are higher in some locations — Sandy Springs, for example, has a higher cost of living, resulting in higher veterinarian medical bills and coverage premiums.

In other cities, weather, traffic and other factors may increase the likelihood of your pets being injured in an accident, resulting in increased premiums. Additionally, the level of coverage influences your monthly pet insurance payments.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Athens
    $5k: Pets Best, $17
    Unlimited: Pets Best, $34
    $10k: Embrace, $37
  • Atlanta
    $5k: Pets Best, $17
    Unlimited: Pets Best, $34
    $10k: Embrace, $35
  • Augusta
    $5k: Pets Best, $17
    Unlimited: Healthy Paws, $31
    $10k: Embrace, $35
  • Columbus
    $5k: Pets Best, $17
    Unlimited: Healthy Paws, $31
    $10k: Figo, $36
  • Macon
    $5k: Pets Best, $17
    Unlimited: Pets Best, $33
    $10k: ASPCA, $38
    $10k: Hartville, $38
    $10k: Spot, $38

MoneyGeek used city-based data in Georgia by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Georgia?

Many variables affect pet insurance costs, including your location, the breed and age of your pet and the coverage you select. Many owners tailor their policies to the specific needs of their pets.

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    Annual Reimbursement Limits

    The annual reimbursement limit, also known as the coverage limit, is the maximum amount that your insurance carrier will pay toward your pet's yearly medical expenditures. Coverage limitations range from $3,000 to an infinite amount.

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    Deductible

    Deductibles often vary from $250 to $500. The higher the monthly premium, the lower your deductible is. The higher your deductible climbs, the cheaper the cost of your pet insurance becomes.

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    Bill Reimbursement Percentage

    This term refers to the percentage of your pet's medical bills that the insurance company will reimburse you for. A $1,000 bill with 90% bill reimbursement would need you to pay $100 to the veterinarian, with the remainder repaid.

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    Breed

    Bigger breeds and animals with a history of congenital health issues will almost always cost more to insure than smaller pets.

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    Animal Age

    The more your pet ages and potentially develops health issues, the higher their insurance premiums will cost.

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    Location

    When residing in an area with a higher cost of living or additional environmental problems, such as traffic congestion or harsh weather, your costs may be more.

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    Multi-Pet Discounts

    If you cover numerous pets with the same company, you may be eligible for a discount.

FAQ’s About Pet Insurance in Georgia

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team gathered thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Georgia, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To identify the cheapest pet insurance companies in Georgia and determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Georgia for four pet types with the following coverage levels:

  • Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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