Lemonade is the best pet insurance company in Minnesota for cats and dogs. Other strong insurance options in the state include AKC, Rainwalk, Spot and Pumpkin.
Best Pet Insurance in Minnesota
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Minnesota, with monthly rates starting at $10. It combines competitive pricing with excellent customer service.
Lemonade provides the cheapest pet insurance in Minnesota for dogs at $54 per month, while Pumpkin has the lowest cat rates at $22.
Compare multiple insurance providers and coverage options to find the right balance of cost and protection for your pet's needs.
Best Pet Insurance Companies in Minnesota
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $54 |
| AKC | 4.15 | $71 |
| Rainwalk | 4.15 | $69 |
| Pets Best | 4.05 | $65 |
| ASPCA | 3.90 | $59 |
| Figo | 3.75 | $65 |
| Spot | 3.75 | $71 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$54Average Monthly Rate for Cats
$26Overall 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 Minnesota, while Lemonade, Rainwalk and Pets Best lead for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:
Affenpinscher
| Rainwalk | 4.35 | $47 |
| Pets Best | 4.35 | $29 |
| AKC | 4.25 | $60 |
| Lemonade | 4.25 | $33 |
| Spot | 4 | $50 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Minnesota, while AKC stands out as a strong alternative option. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $34 |
| AKC | 4.45 | $45 |
| Lemonade | 4.35 | $26 |
| Pets Best | 4.3 | $34 |
| Spot | 4.2 | $32 |
Cheapest Pet Insurance in Minnesota
In Minnesota, Lemonade offers the most affordable dog insurance at $54 per month or $643 per year. For cats, Pumpkin provides the lowest-cost coverage at $22 monthly or $268 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $54 | $643 | -27% |
| ASPCA | $59 | $706 | -20% |
| Pets Best | $65 | $782 | -11% |
| Figo | $65 | $781 | -11% |
| Pumpkin | $65 | $783 | -11% |
| Hartville | $67 | $805 | -8% |
| Rainwalk | $69 | $826 | -6% |
| Met Life | $70 | $834 | -5% |
| AKC | $71 | $847 | -3% |
| Spot | $71 | $848 | -3% |
| Liberty Mutual | $72 | $869 | -1% |
| Embrace | $91 | $1,087 | 24% |
| Nationwide | $108 | $1,291 | 47% |
| Fetch | $109 | $1,310 | 49% |
Cheapest Minnesota Pet Insurance by Dog Breed
In Minnesota, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with rates starting at $18 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $29 | $349 | -48% |
| Lemonade | $33 | $393 | -41% |
| Pumpkin | $39 | $465 | -31% |
| ASPCA | $41 | $497 | -26% |
| Figo | $46 | $548 | -18% |
Cheapest Minnesota Pet Insurance by Cat Breed
In Minnesota, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable cat insurance across different breeds. Monthly premiums start at $16 for standard coverage.
Data filtered by:
Abyssinian
| Lemonade | $26 | $314 | -53% |
| Figo | $31 | $371 | -45% |
| Hartville | $31 | $374 | -44% |
| Spot | $32 | $390 | -42% |
| Pets Best | $34 | $405 | -39% |
How Much Is Pet Insurance in Minnesota?
Minnesota pet insurance costs an average of $94 monthly for dogs and $47 for cats. Minnesota pet owners pay about 4% more than the national average for dog and cat coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $47 | $568 | 4% |
| Dog | $94 | $1,122 | 4% |
How to Get the Best Cheap Pet Insurance in Minnesota
Finding the best cheap provider and coverage plan in Minnesota 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 health history and potential breed-specific issues. Consider how much you can afford in monthly premiums and deductibles.
- 2Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many insurers offer discounts for military members, veterans and corporate employees.
- 3Check Insurance Company Reviews
Read customer reviews and check company ratings through trusted sources. Focus on providers with strong track records of paying claims and providing good customer service.
- 4Get Multiple Insurance Quotes
Get quotes from at least three different pet insurance companies. Make sure each quote includes similar coverage levels for fair comparison.
- 5Review Your Policy Annually
Upon renewal, check for better rates and coverage options. Pet insurance costs often change as pets age, so staying alert for better deals can save you money.
Best Pet Insurance in Minnesota: Bottom Line
Lemonade is our top pick for pet insurance in Minnesota, while Pumpkin and Lemonade offer the most affordable coverage options. Pumpkin provides budget-friendly cat insurance, and Lemonade stands out with competitive dog insurance rates. The best provider for you depends on your pet's needs and your budget. Compare different plans before making your choice.
Pet Insurance in Minnesota: FAQ
Here are answers to frequently asked questions about Minnesota pet insurance:
What are the best pet insurance companies in Minnesota?
Based on comprehensive research, Lemonade, Pumpkin, Spot, AKC and Rainwalk rank as the leading pet insurance providers in Minnesota, offering quality coverage for your pets.
Which company has the cheapest pet insurance in Minnesota?
Pumpkin, Hartville, Lemonade and ASPCA offer the most affordable pet insurance in Minnesota. Monthly premiums start at $54 for dogs and $22 for cats.
How much is pet insurance in Minnesota?
In Minnesota, pet insurance costs around $568 annually for cats and $1,122 for dogs. Annual premiums across all pets can range from $70 to $13,857, depending on coverage 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 Minnesota
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Minnesota 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 November 7, 2025.