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
The best pet insurance companies in Louisiana are Lemonade, Pumpkin, Spot and AKC, with monthly plans starting at $4.
Ready to protect your furry friend? Let's find you the perfect plan.

Updated: December 4, 2025
Advertising & Editorial Disclosure
Lemonade offers the best pet insurance in Louisiana, with plans starting at $8 per month. It combines competitive pricing with excellent customer service.
Lemonade offers the most affordable pet insurance for dogs at $42 per month, while Pumpkin provides the cheapest option for cats at $17 per month.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in Louisiana
| Lemonade | 4.50 | $42 |
| AKC | 4.25 | $54 |
| Pets Best | 4.10 | $50 |
| Rainwalk | 3.90 | $61 |
| ASPCA | 3.80 | $49 |

Best Overall
Average Monthly Rate for Dogs
$42Average Monthly Rate for Cats
$20Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
- pros
Fast claims processing via AI-powered app
Below-average rates for dogs and cats
Comprehensive add-on choices
consAge 10 maximum for new coverage
Limited to capped annual coverage
Lemonade dominates Louisiana pet insurance with below-average rates and quick claims processing through an easy-to-use app. The company doesn't offer unlimited annual coverage, but comprehensive policy options and strong customer service make it a top Louisiana pick.
Lemonade pet insurance in Louisiana starts at $8 monthly and reaches $80 based on your pet's age, breed and coverage choices. Here's what to expect:
Data filtered by:CatMiddle Aged$10,00060%$100Lemonade $41 $488 Lemonade scores 4.2 out of 5 on Trustpilot with 72% positive customer experiences. Pet owners love the simple mobile app and quick claim payments (reimbursements often arrive within days). The main complaint? Coverage limits for older pets.
The standard accident and illness policy covers diagnostics, procedures and medications. Customize your plan with add-ons like physical therapy, behavioral treatment and dental illness coverage (up to $1,000 yearly). Annual limits run $5,000 to $100,000, with deductibles from $100 to $750 and reimbursement rates from 60% to 90%.
Best Pet Insurance by Dog Breed
AKC tops Louisiana pet insurance rankings for most dog breeds, while Lemonade and Pets Best top the list for select breeds. Check which companies match your dog's needs below.
| 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.
| 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.
| 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.
| 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.
| 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.
| Cat | $37 | $442 | -19% |
| Dog | $73 | $872 | -19% |
How to Get the Best Cheap Pet Insurance in Louisiana
Finding affordable Louisiana pet insurance feels challenging, but these steps help:
- 1Know Your Pet's Coverage Needs
List your pet's health risks based on breed and age. Ask your vet which coverage makes sense for your pet.
- 2Look for Available Discounts
Many insurers cut rates through multi-pet plans or annual payments. Ask about spayed/neutered pet discounts and military member savings too.
- 3Check Company Reviews and Ratings
Read what current customers say about claim processing and customer service. Louisiana pet owner reviews reveal local experiences.
- 4Get Multiple Quotes
Request quotes from at least three providers using similar coverage levels for fair comparisons.
- 5Review Your Policy Annually
Rates climb as pets age. Annual quote comparisons ensure you're getting competitive coverage prices.
Best Pet Insurance in Louisiana: Bottom Line
Lemonade tops Louisiana pet insurance, while Pumpkin charges the least for cat coverage. Dog owners get both high ratings and budget-friendly rates through Lemonade. These providers excel, but your right choice depends on your pet's needs and budget. Compare plans before deciding.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed December 8, 2025.

