AKC is the best pet insurance provider for dogs in North Dakota, while Lemonade ranks highest for cats. Pet owners seeking additional options can consider Pumpkin and Pets Best.
Best Pet Insurance in North Dakota
Updated: November 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC and Lemonade offer the best pet insurance in North Dakota, with plans starting at $7 monthly. These providers provide competitive pricing and excellent customer service.
Lemonade offers the cheapest pet insurance in North Dakota for dogs at $40 per month, while Pumpkin provides the lowest for cats at $17 per month.
Compare multiple providers to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in North Dakota
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| AKC | 4.55 | $45 |
| Lemonade | 4.50 | $40 |
| Pets Best | 4.10 | $48 |
| Rainwalk | 3.85 | $59 |
| ASPCA | 3.75 | $47 |
| Pumpkin | 3.75 | $48 |
AKC
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$45Average Monthly Rate for Cats
$24Overall Reddit Sentiment
86% positiveMaximum Annual Limit
$10,000
Best Pet Insurance by Dog Breed
AKC offers the best coverage for most dog breeds in North Dakota, while Lemonade and Pets Best perform well for select breeds. Review this list to determine which provider best suits your dog’s needs.
Data filtered by:
Affenpinscher
| AKC | 4.35 | $40 |
| Pets Best | 4.35 | $21 |
| Lemonade | 4.25 | $24 |
| Rainwalk | 4.25 | $41 |
| Spot | 3.95 | $39 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in North Dakota, offering superior coverage and customer experiences across breeds. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.55 | $28 |
| Rainwalk | 4.4 | $30 |
| Lemonade | 4.35 | $19 |
| Pets Best | 4.3 | $25 |
| Spot | 4.15 | $26 |
Cheapest Pet Insurance in North Dakota
In North Dakota, Lemonade offers the most affordable dog insurance at $40 per month or $476 per year. For cats, Pumpkin provides the lowest-cost coverage at $17 monthly or $199 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $40 | $476 | -29% |
| AKC | $45 | $545 | -19% |
| ASPCA | $47 | $568 | -16% |
| Pets Best | $48 | $579 | -14% |
| Pumpkin | $48 | $580 | -14% |
| Met Life | $52 | $627 | -7% |
| Figo | $52 | $632 | -6% |
| Hartville | $53 | $632 | -6% |
| Spot | $56 | $666 | -1% |
| Rainwalk | $59 | $707 | 5% |
| Liberty Mutual | $61 | $726 | 8% |
| Embrace | $65 | $775 | 15% |
| Fetch | $81 | $970 | 44% |
| Nationwide | $87 | $1,043 | 54% |
Cheapest North Dakota Pet Insurance by Dog Breed
In North Dakota, Lemonade, Pumpkin and Pets Best provide the most affordable dog insurance across multiple breeds, with plans starting at $13 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $21 | $258 | -50% |
| Lemonade | $24 | $291 | -43% |
| Pumpkin | $29 | $344 | -33% |
| ASPCA | $33 | $398 | -22% |
| Fetch | $36 | $437 | -15% |
Cheapest North Dakota Pet Insurance by Cat Breed
In North Dakota, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $12 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $19 | $232 | -55% |
| Figo | $22 | $269 | -48% |
| Hartville | $25 | $292 | -43% |
| Pets Best | $25 | $300 | -42% |
| Spot | $26 | $310 | -40% |
How Much Is Pet Insurance in North Dakota?
North Dakota pet insurance costs an average of $69 monthly for dogs and $35 for cats. North Dakota pet owners pay 23% less than the national average for both types of coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $35 | $421 | -23% |
| Dog | $69 | $832 | -23% |
How to Get the Best Cheap Pet Insurance in North Dakota
Finding the best provider and coverage plan in North Dakota can be difficult. These steps make the process easier:
- 1Evaluate Your Pet's Coverage Needs
List your pet's health needs and risks based on their breed and age. This helps you avoid paying for unnecessary coverage while ensuring important health issues are covered.
- 2Look for Available Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
- 3Research Insurance Company Reviews
Check customer reviews and claim payment histories of providers in North Dakota. Focus on companies with strong financial ratings and positive customer feedback.
- 4Get Multiple Quotes
Request quotes from at least three pet insurance providers using the same coverage details. This ensures you're comparing similar policies and finding the best rates.
- 5Review Your Policy Annually
Pet insurance rates often increase as pets age. Compare new quotes each year at renewal time to ensure you're still getting the best deal.
Best Pet Insurance in North Dakota: Bottom Line
AKC is our top pick for dog insurance in North Dakota, while Lemonade leads for cats. For budget-conscious pet parents, Pumpkin offers the most affordable cat coverage, and Lemonade provides the cheapest dog policies. While these providers stand out, compare multiple options to find coverage that fits your pet's needs.
Pet Insurance in North Dakota: FAQ
Here are answers to frequently asked questions about North Dakota pet insurance:
What are the best pet insurance companies in North Dakota?
Leading pet insurance providers in North Dakota include Lemonade, AKC, Pumpkin and Pets Best. These companies offer comprehensive coverage options for your furry family members.
Which company has the cheapest pet insurance in North Dakota?
Lemonade and Pumpkin offer the most competitive pet insurance rates in North Dakota. Monthly premiums start at $40 for dogs and $17 for cats.
How much is pet insurance in North Dakota?
In North Dakota, pet insurance costs average $421 annually for cats and $832 for dogs. Annual premiums across the state range from $52 to $10,262, 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 North Dakota
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for North Dakota 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 27, 2025.