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7 Cheapest Pet Insurance Companies

In the event of a significant illness like cancer or an accident such as ingesting a dog toy, you may face a substantial emergency veterinary bill. Pet insurance serves as a prudent means of preparing for these unforeseen expenses. Generally, you can procure a comprehensive policy covering both accidents and illnesses for a modest annual premium, typically ranging from a few hundred dollars.

We assessed the rates offered by 13 insurers to identify the 7 most cost-effective pet insurance options.


ManyPets is a pet health and wellness company dedicated to making pet insurance accessible for pet parents of all stripes. Founded in 2012, we’re a passionate, pet-loving team based out of Atlanta, GA, and London, UK. We’ve made vet care more convenient and accessible for tens of thousands of pets throughout the US. But our work is far from over. We’re out to ease the financial burden of pet ownership, empowering pet parents to seek the vet care their pets need, no matter what.

The company was named as the Best for Unlimited Annual Coverage

2. Lemonade – Best Price for Kittens and Puppies

Lemonade, Inc., is an American insurance company. The company offers renters’ insurance, homeowners’ insurance, car insurance, pet insurance, and term life insurance in the United States, as well as contents and liability policies in Germany and the Netherlands and renters’ insurance in France.

Lemonade was named as Best Price for Kittens and Puppies

3. Pets Best – Great for Choices of Deductible

Pets Best offers pet insurance plans for dogs and cats covering up to 90% of your unexpected veterinary costs with no annual or lifetime payout limits

4. Figo – Great for Short Waiting Period for Accident Coverage

Being a pet parent comes with a lot of joy, and some unavoidable realities. But pet insurance — an enhancement to your pet’s wellness, your peace of mind, and your bank account — shouldn’t add any unexpected twists or turns.

Founded by pet parents unable to find a pet insurance option that fit our diverse lifestyles, Figo was born. Our innovative experience is designed around real people and real scenarios, taking insurance out of its overly complex & unrelatable world and into the homes of everyday pet parents.

With fewer barriers, and added benefits that go beyond insurance, Figo fits into your lives, not the other way around.

5. Embrace – Best for Superior Coverage Benefits

Embrace Pet Insurance is an Ohio-based pet health insurance provider, offering comprehensive, personalized insurance products for dogs and cats across the US. Wellness Rewards is a feature of Embrace that can be added to any insurance policy that reimburses for routine and preventative care. Embrace is consistently ranked as one of the highest-rated U.S. pet insurance companies and is a proud member of the North American Pet Health Insurance Association.

Embrace is the only company to offer a diminishing deductible feature, the Healthy Pet Deductible, and continues to innovate and improve the pet insurance experience for pet parents across the country

6. Paw Protect – Best for Paying Covered Vet Bills Instantly

When you have pet insurance and need to make a claim, you have to pay the vet bill up-front and then claim the money back. But 59% of Americans say they wouldn’t be able to cover an unexpected bill for $500. Tragically, that means countless pets being needlessly put to sleep just because their pet parents couldn’t afford to pay a vet bill out of their own pocket before claiming it back. “It’s heartbreaking having to say goodbye to a pet we could’ve saved,” says Dr. Kevin McEvilly DVM, from the Palms & Paws Veterinary Center in Santa Monica, California. It’s something that he and thousand of vets face on a daily basis.

But Paw Protect is different. Paw Protect gives you the option to apply for a $2,000 interest-free line of credit from Paytient to pay vet bills* up front, subject to approval. Use the virtual Paytient Visa® card to pay for your pet’s care without drawing on your savings or putting it on your credit card. Not only are there no interest or fees, there are no credit checks either!

Paw Protect: it’s how pet insurance should be.

7. Trupanion – Best for Lowest Out-Of-Pocket Claims Costs

Trupanion, founded in 1998, is a pet insurance provider based in Seattle, Washington that administers cat and dog insurance in the United States, Canada, Australia, and Puerto Rico. Trupanion is self-underwritten by the American Pet Insurance Company

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