Best cheap pet insurance in USA, companies list for 2024

If you’re looking for the best and most affordable pet insurance in the USA, many companies are offering cheap pet insurance plans. The cost varies depending on the animal’s breed, age, location, and the level of coverage you opt for. It is crucial to compare different plans and carefully read the fine print before deciding on the cheapest pet insurance in the USA.

Pet insurance can be a great way to protect your furry friend from unexpected expenses, but it’s important to find the right plan for your needs and budget. According to the Insurance Information Institute, the average accident and illness premium for dogs is $640 per year or $53 per month (1). However, Nationwide offers plans that range from $15 to $47 per month for dogs. Other most affordable companies include PetsBest, Figo, and Lemonade. These companies offer a variety of deductible options and have unique benefits. For example, Figo has a short waiting period for accident coverage, while Lemonade is ideal for kittens and puppies. See also how to get pet insurance guide.

List of best cheap pet insurance Companies in the USA

Some of the best pet insurance companies in the USA in 2024 include:

1- NationWide: Cheapest pet insurance company in the USA for multiple pets

Nationwide’s pet insurance plans can range from $17 to $50 per month for dogs according to Nationwide. This company offers a range of plans in the USA with annual limits ranging from $2,500 to unlimited. Nationwide offers a 5% discount for two to three animals and a 10% discount for four or more.

Nationwide offers coverage for dogs, cats, and many other animals. It has different plans to choose from, including a comprehensive Whole Pet with Wellness plan that covers accidents, illnesses, and routine care. However, it may cost more than other plans in the USA. Customers have mixed reviews about Nationwide’s reliability, price, and claims process. Nationwide is the only provider in our rating to offer coverage for animals other than cats, dogs, and horses.

2- Embrace: Best for multiple pets, pre-existing conditions, no waiting period

Embrace pet insurance cost varies depending on factors like the type, age, and gender of the animal, as well as the benefit limit, deductible, and reimbursement rate of the plan. The average monthly premium for a dog is about $30-$45, and for a cat is about $15-$20. Embrace also charges a one-time enrollment fee of $25 and a $1 monthly processing fee for those who pay monthly. This company offers maximum annual coverage of $5,000, $10,000, or unlimited. Embrace offers a 5% discount for each additional animal you insure with them.

Embrace Insurance is a provider based in Cleveland Ohio that sells policies for dogs and cats in USA. They were founded in 2003 and are underwritten by American Modern Home Insurance Company. Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.

3- Lemonade: Best cheap pet insurance company in the USA

Lemonade pet insurance cost varies depending on several factors, such as the animal’s age, breed, size, medical history, location, and the costs of veterinary care in the area. The policy premiums are billed monthly and range from $10 to about $100. The average monthly premiums are $47.18 for cats and dogs. Also, the average cost of Lemonade insurance is $55 per month for $100,000 of annual coverage, a $500 deductible, and a 90% reimbursement level. it offers annual maximum coverage of up to $5,000, $10,000, $20,000, $50,000, or $100,000 per year.

The best pet insurance company for dogs in USA is Lemonade. However, it’s important to note that the best company for your dog may depend on factors such as your dog’s breed, age, location, and specific needs.

Lemonade pet insurance cover the treatment costs for a variety of accidents and illnesses for cats and dogs. Lemonade sells insurance for cats and dogs online. It boasts the lowest rates for puppies and kittens among the top providers. If you want pet insurance at a low monthly cost, Lemonade is worth considering thanks to its competitive rates.

4- Spot: Best older dog insurance in the USA

Spot pet insurance costs an average of $45 per month for $5,000 in annual coverage for a dog, or $59 a month for an unlimited annual limit. How much you pay for Spot pet insurance will depend on the annual limit, deductible, and reimbursement percentage you choose. Also, the average cost of Spot pet insurance is $59 a month for unlimited annual coverage, a $500 deductible, and a 90% reimbursement level. This company offers maximum annual coverage of $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or unlimited.

Spot offers coverage for dogs and cats of all ages. So Spot is the best pet insurance in the USA for older dogs. They offer accident-only coverage, accident and illness coverage, and wellness coverage. It also offers a 30-day money-back guarantee.

5- Pumpkin: The most affordable Pet insurance in the USA that covers everything

Pumpkin pet insurance costs an average of $49 per month for $5,000 in annual coverage for a dog, a $250 deductible, and an 80% reimbursement level. Also, it reimburses 90% of all covered vet bills after you’ve met your deductible. This company offers maximum annual coverage of $10,000, $20,000 or unlimited.

Pumpkin Pet Insurance offers comprehensive coverage for animals, including dental and some pre-existing conditions. It has a good selection of coverage options for a wide range of animal problems and medical expenses, including vet exam fees, surgeries, and dental illnesses.

Pumpkin is the Best pet insurance in the USA that covers everything. There’s no maximum age limit for animals to apply, and all breeds are covered. Pumpkin Pet Insurance has an easy online quote tool and customer portal. However, it may have higher prices and lack of customization compared to other providers. Its dog insurance is more expensive than its pet insurance for cats.

6- ASPCA: Best cheap pet insurance for multiple pets and older pets

ASPCA pet insurance costs an average of $43 a month for $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. The average cost is $56 per month for unlimited coverage, a $500 deductible and 90% reimbursement level. This company offers plans with annual limits ranging from $5,000 to unlimited. limits ranging from $5,000 to unlimited.

ASPCA offers a 30-day money-back guarantee, that covers behavioral problems, prescription foods, poison consultation fees, cremation or burial, and some accident and illness exam fees.

They also offer discounts for multi-pet households and have no upper age limit. However, it’s important to note that there are some exclusions and limitations to their coverage. For example, they don’t cover pre-existing conditions or routine care such as vaccinations and check-ups. You can find more information on their website.

7- Healthy Paws: The most affordable pet insurance in the USA that covers everything

According to Forbes Advisor, Healthy Paws pet insurance costs an average of $56 per month for unlimited annual coverage with a $100 deductible and 80% reimbursement level. There are no per-condition, annual, or lifetime payout caps. This company offers unlimited annual coverage and reimbursement choices of 70%, 80%, or 90%.

Healthy Paws offers comprehensive coverage with no caps or limits for accidents and illnesses. They have an A+ rating and accreditation from the BBB. Many customers praise its positive customer service and smooth claims processing. However, Healthy Paws might not be best for older animals, since it does not offer customizable policies for animals six years or older. Other providers, such as Lemonade or Embrace, might be alternative options for older animals.

8- Figo: Most affordable dog and cat insurance company

Figo pet insurance costs an average of $45 per month for $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. The average cost in the USA is $55 per month for unlimited coverage, a $500 deductible, and a 90% reimbursement level. Figo offers three plans that cover the same illnesses and injuries but have different annual payout limits: $5,000, $10,000, and unlimited. This company offers maximum annual coverage of $10,000, $20,000 or unlimited.

Figo Pet Insurance offers customizable coverage for dogs and cats, with options for annual benefits, reimbursement percentages, annual deductibles, and add-on features. Figo claims to have a fast and easy claims process and friendly customer service. They have a BBB rating of B and are one of the only pet insurance companies to offer up to 100% reimbursement. Figo allows you to visit any licensed vet anywhere in the world. Some customers are very pleased with Figo and their payments, while others are upset with their policies.

9- Costco( Pets Best): Cheapest unlimited coverage in USA 2024

Costco pet insurance is provided by PetsBest. Its best feature is that it offers great choices of deductibles. Costco pet insurance through Figo costs an average of $44 per month for $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement level. The average cost is $55 per month for unlimited coverage, a $500 deductible, and a 90% reimbursement level.

Costco does not offer pet insurance. However, they do offer discounted cheapest pet insurance in USA through their partnership with PetsBest. PetsBest offers comprehensive coverage for dogs and cats, with options for annual benefits, reimbursement percentages, annual deductibles, and add-on features.

They have an A+ rating and accreditation from the BBB. Many customers praise its positive customer service and smooth claims processing. But, Pets Best might not be best for older animals, since it does not offer customizable policies for animals six years or older. Other providers, such as Lemonade or Embrace, might be alternative options for older animals.

10- ManyPets: Best Cheap for worldwide insure

ManyPets pet insurance costs an average of $36 per month for unlimited annual coverage with a $500 deductible and 90% reimbursement level. However, the cost depends on various factors, including your animal’s breed, age, location, and selected plan. ManyPets accident and illness policy starts at $20 per month for puppies and $15 per month for kittens. Policies for adult dogs usually run between $30-40 on average, while policies for adult cats run an average of $20-25 per month. This company offers unlimited annual coverage and reimbursement choices of 70% or 80%.

Questions and reviews about pet insurance in the USA

Best dog insurance company in the USA

The best pet insurance company in USA for dogs in 2024 is Lemonade. However, it’s important to note that the best pet insurance company for your dog may depend on factors such as your dog’s breed, age, location, and specific needs. Other best companies in the USA for dogs in 2024 are ASPCA, Spot, Pumpkin, Figo, Embrace, and Pets Best.

ASPCA is recommended for hereditary and congenital conditions, while Spot is recommended for unlimited coverage. Pumpkin is recommended for puppies and kittens, and Figo is recommended for reimbursement options. Embrace is recommended for older dogs and cats, and PetsBest is recommended for the treatment of mobility issues.

Cheap pet insurance in USA for multiple pets

Many pet insurance companies offer discounts for multiple animals. For example, Nationwide offers a 5% discount for two to three animals and a 10% discount for four or more animals. Embrace offers a 5% discount for each additional animal you insure with them.

Best pet insurance in US for pre-existing conditions

Most pet insurance companies in US do not cover pre-existing conditions. However, some companies may offer coverage for pre-existing conditions if the condition has been cured or has been in remission for a certain period. It’s important to read the policy details carefully and ask questions before purchasing

Companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. ASPCA’s plan will not consider a condition “pre-existing” if it’s curable and there are no symptoms for 180 days (excluding knee and ligament conditions). PetAssure is not a traditional company. It is a veterinary discount plan that offers enrollees discounts on vet care for their animals in US. So all pre-existing conditions are covered by PetAssure.

Cheapest dog insurance in the USA

According to Forbes, some of the cheapest dog insurance companies are Embrace, Figo, and ASPCA. However, it’s important to note that the cheapest policy may not always be the best policy for your dog’s needs.

best pet insurance USA no waiting period

Some pet insurance companies offer no waiting period for accidents. For example, Embrace offers no waiting period for accidents and illnesses if you enroll your animal before they turn 14. Companion Protect is the only provider that has no mandatory waiting period for coverage. However, the company does review your animal’s medical records beforehand, which might take several days.

Cheap pet insurance in the USA that covers everything for 2024

Pet insurance can help cover costs such as surgeries and medication. In addition, you can typically add a wellness plan to cover the cost of routine vet checkups and vaccinations. Using a complete coverage plan, you can protect your animal’s interest and get the money needed for accidental emergencies. Several different types of complete coverage plans cover everything that you might need for the overall protection of your animal. How to get cheap pet insurance that covers everything.

Several options offer comprehensive coverage. Spot, Pumpkin, and Figo are among the best options for unlimited coverage. Embrace and ASPCA are good choices for animals with hereditary conditions and older animals, respectively. PetsBest is a good option for animals with mobility issues. Figo has the best reimbursements. Lemonade is a good choice for kittens and puppies, while Nationwide is best for exotic animals.

Cheapest pet insurance in the USA for cats

The cheapest pet insurance for cats depends on your unique situation. Embrace has the most affordable policy for cats, costing $19.81 per month on average. Petplan insurance offers comprehensive coverage at an affordable cost, with a ninety percent reimbursement if your vet bill is eligible. PetFirst is the best provider for old cats, as most companies for cats are age-specific and will not sell you their insurance policy for a cat older than fourteen years. Finally, the cheapest pet insurance for cats is Lemonade. It offers the cheapest coverage for as low as $10 per month.

Cheapest pet insurance in the USA for older dogs

The best pet insurance plans for older dogs are Spot, Figo, ASPCA, and Embrace. These companies offer an easy claims process, unlimited annual benefits, low deductibles, and multi-pet discounts respectively

PetFirst Insurance is the best provider for old dogs, as most companies for dogs are age-specific and will not sell you their insurance policy for a dog older than fourteen years.

Cheap Pet Insurance in Other Countries

Cheap Pet Insurance in the UK

According to the Association of British Insurers (ABI), the average premium in the UK is around £271 (down from £279 in 2019), but your costs can be significantly higher (or lower) depending on the type of cover you buy, the age and breed of your animal, etc. There are generally three main levels of cover in the UK:

• Basic policies: These usually have a time limit of 12 months of treatment, and a maximum payout, for each different condition.
• Mid-level policies: These policies cover treatment up to a maximum amount per condition (usually about £3,000) during the term of the policy, with no time limit on how long your animal can have treatment.
• Comprehensive policies: These have the highest payout limit.

The cheap pet insurance companies in the UK are Bought By Many, Waggel, Scratch & Patch, and Animal Friends. They offer a range of policies with different levels of coverage and excesses. The cheapest pet insurance in the UK is provided by Bought By Many.

Australia

The cheapest pet insurance in Australia can cost as little as $8 a week. However, the cost can vary depending on the type of cover you buy, the age and breed of your animal, etc. There are generally three main levels of cover in Australia:

• Accident-only policies: These policies cover your animal for injuries caused by accidents, such as broken bones or snake bites.
• Accident and illness policies: These policies cover your animal for accidents and illnesses, such as cancer or infections.
• Comprehensive policies: These policies offer the highest level of coverage and include accident and illness coverage, as well as additional benefits such as routine care.

Some of the best companies in Australia are Trupanion, Bow Wow Meow, Petsy, RSPCA, and PetSecure. PD has the cheapest policy based on their calculations for a 1 and 5-year-old male desexed dog. An accident-only policy costs around $19.65.

Canada

The cost of pet insurance in Canada varies depending on the breed, age, and health condition of your animal. On average, rates in Canada range from $20 to $60 per month for dogs and $15 to $40 per month for cats. However, the cost can be higher or lower depending on the type of coverage you need for your animal. It’s best to compare different policies and providers to find the one that suits your needs and budget. Coverage types in Canada include:

• Accident-only coverage: Accident-only coverage provides coverage for accidents such as broken bones, cuts, and burns.
• Accident and illness coverage: Accident and illness coverage provides coverage for accidents and illnesses such as cancer, allergies, and infections.
• Wellness coverage: Wellness coverage provides coverage for routine care such as vaccinations, check-ups, and dental cleanings.

It’s best to compare different policies and providers to find the one that suits your needs and budget. The best and cheapest pet insurance in Canada depends on the type of coverage you need for your animal. Some of the most affordable providers in Canada are PC Insurance, Petsecure, and Trupanion. However, the cost of insurance varies depending on the breed, age, and health condition of your animal. It’s best to compare different policies and providers to find the one that suits your needs and budget.

Worldwide

The average monthly cost of pet insurance is $49 for dogs and $29 for cats for plans that cover both accidents and illnesses. The average monthly cost of a plan ranges from about $24(cheapest) to $90(best) for dogs and $9 to $38 for cats. However, the cost varies based on factors like the type, age, and location of the animal, and the amount and type of coverage.

There are three types of pet insurance: accident and illness, accident-only, and wellness plans. Specifics vary by policy and company, but nearly all providers offer these types of coverage.

• Accident-only coverage: Accident-only coverage pays for unexpected mishaps that hurt or damage your animal, but usually excludes diseases and other health problems.
• Illness-only coverage: Illness-only coverage covers treatment for conditions like cancer, infections, or allergies, but usually does not cover accidents or injuries.
• Wellness coverage: Wellness coverage pays for routine care like yearly physicals, immunizations, and curative procedures.
• Complete coverage: Complete coverage may include normal care like yearly exams, immunizations, and preventive treatments in addition to covering sickness and accidents.