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: February 3, 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 ranks first for most dog breeds in Minnesota. Lemonade, Rainwalk and Pets Best rank first for specific breeds. Compare rates and coverage by selecting your dog's breed below.
Data filtered by:
Affenpinscher
| Rainwalk | 4.34 | $47 |
| Pets Best | 4.34 | $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
| Rainwalk | 4.5 | $34 |
| AKC | 4.45 | $45 |
| Lemonade | 4.34 | $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 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
List your pet's health history, current medications and breed-specific conditions like hip dysplasia or heart disease. Set a maximum monthly premium you can afford.
- 2Look for Insurance Discounts
Multi-pet plans save 5% to 10% per additional animal. Annual payments cost 5% to 8% less than monthly billing. Military members, veterans and corporate employees qualify for additional discounts.
- 3Check Insurance Company Reviews
Review Trustpilot ratings and verify AM Best financial strength scores. Compare complaint ratios through your state insurance department. Choose providers with claims approval rates above 90%.
- 4Get Multiple Insurance Quotes
Request quotes from at least three providers using identical coverage parameters: same annual limits, deductibles and reimbursement percentages. Compare total costs to find the best value.
- 5Review Your Policy Annually
Compare your renewal rate against new quotes each year. Premiums increase 10% to 20% annually as pets age. Switching providers saves 10% to 25% on identical coverage.
Best Pet Insurance in Minnesota: Bottom Line
Lemonade ranks first for Minnesota pet insurance. Pumpkin offers the most affordable cat coverage, while Lemonade provides the lowest dog rates. Compare quotes from multiple providers to find affordable coverage 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?
List your pet's age, breed and health history to identify coverage needs. Review customer ratings and AM Best scores for insurers you're considering. Compare coverage limits, deductibles and premiums from at least three companies. Request quotes to find the best rates for your pet.
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 Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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 February 7, 2026.