Lemonade is the best pet insurance company in Louisiana for cats and dogs, offering comprehensive coverage and reliable service. Other strong insurance options in the state include AKC, Pumpkin, Pets Best and Spot.
Best Pet Insurance in Louisiana
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Louisiana, with plans starting at $8 per month. It combines competitive pricing with excellent customer service.
For the cheapest pet insurance in Louisiana, Lemonade provides dog coverage at $42 monthly, while Pumpkin offers cat insurance at $17 per month.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget while considering both price and coverage options.
Best Pet Insurance Companies in Louisiana
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Lemonade | 4.50 | $42 |
| AKC | 4.25 | $54 |
| Pets Best | 4.10 | $50 |
| Rainwalk | 3.90 | $61 |
| ASPCA | 3.80 | $49 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$42Average Monthly Rate for Cats
$20Overall 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 Louisiana, 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.
Data filtered by:Results filtered by:
Select
Breed:Affenpinscher
| Pets Best | 4.35 | $22 |
| AKC | 4.3 | $46 |
| Lemonade | 4.25 | $25 |
| Rainwalk | 4.25 | $43 |
| Spot | 3.95 | $42 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Louisiana, while Rainwalk stands out as a strong alternative option. Below, you can review which companies are best for your specific cat breed in the state.
Data filtered by:Results filtered by:
Select
Breed:Abyssinian
| AKC | 4.45 | $35 |
| Rainwalk | 4.4 | $31 |
| Lemonade | 4.35 | $20 |
| Pets Best | 4.3 | $26 |
| Spot | 4.15 | $27 |
Cheapest Pet Insurance in Louisiana
In Louisiana, Lemonade offers the most affordable dog insurance at $42 per month or $499 per year. For cats, Pumpkin provides the lowest-cost coverage at $17 monthly or $208 annually.
Data filtered by:Results filtered by:
Select
Dog or Cat:Dog
Select
Pet Age Group:Middle Aged
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Lemonade | $42 | $499 | -30% |
| ASPCA | $49 | $583 | -18% |
| Pets Best | $50 | $606 | -15% |
| Pumpkin | $51 | $607 | -15% |
| Figo | $54 | $645 | -9% |
| AKC | $54 | $650 | -9% |
| Met Life | $55 | $657 | -8% |
| Hartville | $57 | $679 | -5% |
| Liberty Mutual | $57 | $686 | -4% |
| Spot | $59 | $712 | -0% |
| Rainwalk | $61 | $727 | 2% |
| Embrace | $73 | $867 | 22% |
| Fetch | $85 | $1,016 | 43% |
| Nationwide | $90 | $1,075 | 51% |
Cheapest Louisiana Pet Insurance by Dog Breed
In Louisiana, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance, with rates starting at $14 monthly.
Data filtered by:Results filtered by:
Select
Breed:Affenpinscher
| Pets Best | $22 | $270 | -50% |
| Lemonade | $25 | $305 | -44% |
| Pumpkin | $30 | $361 | -34% |
| ASPCA | $34 | $411 | -24% |
| Figo | $38 | $452 | -17% |
Cheapest Louisiana Pet Insurance by Cat Breed
In Louisiana, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds. Rates start at $12 per month for standard plans.
Data filtered by:Results filtered by:
Select
Breed:Abyssinian
| Lemonade | $20 | $243 | -55% |
| Figo | $23 | $276 | -49% |
| Hartville | $26 | $310 | -43% |
| Pets Best | $26 | $314 | -42% |
| Spot | $27 | $325 | -40% |
How Much Is Pet Insurance in Louisiana?
Louisiana pet insurance costs around $73 monthly for dogs and $37 for cats. Pet owners in the state benefit from rates that are 19% lower than the national average for both types of coverage.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Deductible:$500
Select
Reimbursement %:80%
| Cat | $37 | $442 | -19% |
| Dog | $73 | $872 | -19% |
How to Get the Best Cheap Pet Insurance in Louisiana
Finding the best cheap provider and coverage plan in Louisiana can be difficult. Here's how to find the best pet insurance for your needs:
- 1
Know Your Pet's Coverage Needs First
Start by listing what health issues your pet might face based on their breed and age. Talk with your vet about what coverage makes sense for your pet's specific needs.
- 2
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 military service members.
- 3
Check Company Reviews and Ratings
Read what current customers say about claim processing and customer service. Focus on reviews from other Louisiana pet owners to understand local experiences.
- 4
Get Quotes from Multiple Companies
Get quotes from at least three providers. Make sure to consider similar coverage levels so you can compare fairly.
- 5
Review Your Policy Each Year
Pet insurance rates often increase as pets age. Compare new quotes annually to ensure you're still getting the best deal for your coverage needs.
Best Pet Insurance in Louisiana: Bottom Line
Lemonade is our top pick for pet insurance in Louisiana, while Pumpkin offers the most affordable coverage for cat owners. For dog owners, Lemonade provides both the highest-rated and most budget-friendly policies. While these providers lead our research, the right choice depends on your pet's needs and your budget. Compare different plans before making your decision.
Pet Insurance in Louisiana: FAQ
Here are answers to frequently asked questions about Louisiana pet insurance:
What are the best pet insurance companies in Louisiana?
Pet owners in Louisiana can find excellent coverage through Lemonade, AKC, Pumpkin, Pets Best and Spot, which rank among the state's leading insurance providers.
Which company has the cheapest pet insurance in Louisiana?
Lemonade, Pumpkin and ASPCA provide the most affordable pet insurance rates in Louisiana. Monthly premiums start at $42 for dogs and $17 for cats.
How much is pet insurance in Louisiana?
In Louisiana, pet insurance costs around $442 annually for cats and $872 for dogs. Annual premiums across the state can range from $55 to $10,750, 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 Louisiana
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Louisiana 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.