Lemonade is the best pet insurance company in Minnesota for cats and dogs. AKC, Rainwalk, Spot and Pumpkin also rank highly for Minnesota pet owners.
Best Pet Insurance in Minnesota
Updated: April 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Minnesota, with monthly rates starting at $10. It earns a 4.4 out of 5 for customer experience and maintains below-average premiums.
Lemonade provides the cheapest insurance in Minnesota for dogs at $54 per month, while Pumpkin has the lowest cat rates at $22.
Compare quotes from at least three insurers to find the best rates for your pet.
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 Points
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
AKC is best for most dog breeds in Minnesota. Lemonade, Rainwalk and Pets Best rank first for specific breeds.
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 ranks first for most cat breeds in Minnesota. AKC ranks second across multiple breeds. Select your cat's breed below to compare coverage and rates.
Data filtered by:
Abyssinian
| Spot | 4.2 | $32 |
| Pets Best | 4.3 | $34 |
| Lemonade | 4.35 | $26 |
| AKC | 4.45 | $45 |
| Rainwalk | 4.5 | $34 |
Cheapest Pet Insurance in Minnesota
In Minnesota, Lemonade offers the most affordable dog insurance at $54 monthly or $643 annually. 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 (eight wins) and Pumpkin (eight 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 averages $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
Compare these five factors when shopping for pet insurance in Minnesota:
- 1Evaluate Your Pet's Coverage Needs
Write down your pet's health history, current medications and any breed-specific conditions such as hip dysplasia or heart disease. Then set a monthly premium cap that fits your budget.
- 2Look for Insurance Discounts
Multi-pet plans save you 5% to 10% per additional animal, and if you pay annually instead of monthly, you save an extra 5% to 8%. Military members, veterans and some corporate employees may get more discounts.
- 3Check Insurance Company Reviews
Check Trustpilot ratings and AM Best financial strength scores, then compare complaint ratios through your state's insurance department. Look for providers that have claims approval rates above 90%.
- 4Get Multiple Insurance Quotes
Get quotes from at least three providers using the same annual limits, deductibles and reimbursement percentages.
- 5Review Your Policy Annually
Each year, compare your renewal rate because premiums rise 10% to 20% as your pet ages. You could save 10% to 25% on the same coverage by changing provider.
Best Pet Insurance in Minnesota: Bottom Line
Lemonade ranks first for Minnesota pet insurance, with the lowest dog rates. Pumpkin offers the best value for cat coverage. Compare quotes from at least three providers to find the right plan for your pet.
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?
Lemonade, Pumpkin, Spot, AKC and Rainwalk rank as the top pet insurance providers in Minnesota.
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 a pet insurance provider?
Start by listing your pet's age, breed and health history to identify the right coverage level. From there, compare at least three insurers using identical plan parameters (same limits, deductibles and reimbursement rates) and check customer ratings and AM Best scores before requesting quotes.
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
- 7-year-old Ragdoll
Our Company Rating System
We rated pet insurance providers using these factors:
- Affordability (50%): Proprietary quote data across all coverage combinations, pet ages and breeds provides the basis for affordability scores. Discount availability and premium calculation methods factor into each provider's rating.
- Customer experience (30%): This score combines customer ratings from review sites, AM Best financial strength ratings and Reddit sentiment analysis.
- Coverage options (20%): Policy terms, add-ons and standard inclusions receive scores based on how well they cover common pet medical expenses.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed May 8, 2026.