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: January 30, 2026
Advertising & Editorial Disclosure
Key Takeaways
AKC and Lemonade rank as North Dakota's best pet insurance options, with monthly plans starting at $7. Both deliver competitive rates and strong customer service.
Dog owners pay $40 monthly with Lemonade for the cheapest pet insurance in North Dakota. Cat owners get the lowest rates at $17 monthly through Pumpkin.
Get quotes from multiple insurers to match coverage with your pet's needs and 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 provides broad coverage across many dog breeds in North Dakota, while Lemonade and Pets Best suit specific breeds better. Use the list below to find the insurer that fits your dog.
Data filtered by:
Affenpinscher
| AKC | 4.34 | $40 |
| Pets Best | 4.34 | $21 |
| Lemonade | 4.25 | $24 |
| Rainwalk | 4.25 | $41 |
| Spot | 3.95 | $39 |
Best Pet Insurance by Cat Breed
AKC leads North Dakota's pet insurance rankings for most cat breeds with superior coverage and customer experiences. Review the list below to see which companies work best for your cat.
Data filtered by:
Abyssinian
| AKC | 4.55 | $28 |
| Rainwalk | 4.4 | $30 |
| Lemonade | 4.34 | $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
Compare providers and coverage options in North Dakota using these steps:
- 1Evaluate Your Pet's Coverage Needs
Use your pet’s age, breed, and known health risks to narrow coverage to what supports likely medical needs rather than paying for unnecessary extras.
- 2Look for Available Discounts
Many insurers reduce premiums through multi-pet plans or annual payment options. Some employers and membership organizations also offer discounts, so confirm what savings you qualify for.
- 3Research Insurance Company Reviews
Look at customer reviews and claims payment history for North Dakota providers. Pay close attention to financial ratings and consistent feedback about claims handling.
- 4Get Multiple Quotes
Request quotes from at least three insurers using the same coverage details. Matching policy terms makes it easier to compare pricing and coverage differences accurately.
- 5Review Your Policy Annually
Pet insurance costs often increase as pets get older. Reviewing new quotes at renewal helps confirm your current plan still fits your budget and coverage needs.
Best Pet Insurance in North Dakota: Bottom Line
Dog owners in North Dakota get the best coverage through AKC, while Lemonade leads for cats. Budget-conscious pet parents pay less with Pumpkin for cat coverage and Lemonade for dog policies. Compare multiple options to find coverage matching your pet's needs.
Pet Insurance in North Dakota: FAQ
We answer common 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
We built our ratings around what pets and pet owners actually need. Here's how we scored each insurer:
- 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. 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.