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21 Best Cheap Pet Insurance companies in 2023

21 Best Cheap Pet Insurance companies in 2023

Pet insurance is an ever-growing business. There is no denying the financial benefits of including your pet in your health insurance and this is leading more and more people to protect their pets in case anything should happen to them.

In a way, it should be viewed as a ‘safety net’, and therefore finding the best cheap pet insurance company is possibly just as important as finding the one that covers the widest range of illnesses and treatments…

Pet insurance is growing in popularity among pet owners. This trend has also spawned a number of companies that seek to glean a share of this growing market. However, a large number of these companies are not reputable enough to be trusted with your money and pets.

It’s very easy to buy a pet insurance policy. If you’ve already got one, or would like to get one, here’s your chance to discover the best cheap pet insurance company.

Finding reliable, affordable pet insurance can be a real pain. There is so much information out there and each company has different policies. What you need is a quick reference guide of all the best cheap pet insurance companies. Luckily, I have scoured the internet to find the top companies and their rates.

21 Best Cheap Pet Insurance companies in 2022
21 Best Cheap Pet Insurance companies in 2022
Read: 5 Pet Insurance Companies That Cover Vaccines

21 Best Cheap Pet Insurance companies in 2023

Petplan Petplan is best for Avoiding Pre-Existing Condition Liability
Healthy Paws Healthy Paws is for Best Coverage Limit
ASPCA ASPCA is best for Hereditary and Congenital Conditions
Spot Spot is Most Customizable Plans
Pumpkin Pumpkin is best for Puppies and Kittens
TrustedPals TrustedPals is Great For Service Dogs
Progressive Progressive is best affordable Pet Insurance
USAA USAA is the Best for Servicemembers
Hartville Hartville is the best for older dogs
PetFirst  PetFirst Best for Routine Care
Figo Figo is the best for Holistic Care
Pet Assure Pet Assure is Best Overall
ManyPets ManyPets is Best For Lowest Out-Of-Pocket Claims Costs
Pawp Pawp is best for Multiple Pets
Fetch Fetch is Best Holistic Coverage
Nationwide Nationwide is Best for Exotic Pets
Trupanion Trupanion is best for Direct Payment to Vets
Lemonade Lemonade is best for Fast Claims Processing
Pets Best Pets Best is best for Treatment of Mobility Issues
Embrace Embrace is best when it comes to Emergencies
24PetWatch 24PetWatch is the best for Pet Chronic Conditions


S/N Insurer Maximum annual coverage


Reimbursement choices


Deductible choices


Average Monthly Pet Insurance Cost For A Puppy Average Monthly Pet Insurance Cost For A Dog
1 Pets Best $5,000 or Unlimited

70%, 80%, 90%

$50, $100, $200, $250, $500, $1,000

$28 $33
2 Figo $5,000, $10,000, Unlimited 70%, 80%, 90%, 100%

Varies by pet age

$44 $43
3 Lemonade $5,000, $10,000, $20,000, $50,000, $100,000 70%, 80%, 90%

$100, $250, $500

$24 $24
4 TrustedPals $4,000, $8,000, $15,000, Unlimited

70%, 80%, 90%, 100%

$0, $100, $250, $500, $750

$46 $51
5 ManyPets Unlimited


80%, 90%, 100%

$100, $250, $500 $24 $24
6 Embrace $5,000, $8,000, $10,000, $15,000, $30,000

70%, 80%, 90%

$200, $300, $500, $750, $1,000

7 Spot $2,500, $4,000, $5,000, $7,000, $10,000, Unlimited


70%, 80%, 90%

$100, $250, $500, $750, $1,000

$44 $47
8 Nationwide Unlimited


50%, 70%, 90%



$49 $53.08
9 TrustedPals $4,000, $8,000, Unlimited 70%, 80%, 90%, 100% $0, $100, $250, $500, $750 $32 $36
10 ASPCA $3,000, $4,000, $5,000, $7,000, $10,000 70%, 80%, 90% $100, $250, $500 $44 $46
11 Prudent Pet 70%, 80%, 90% $100, $250, $500, $1,000 $58 $64
12 HealthyPaws $44 $54
13 Trupanion $63 $83
14 Petplan $71 $92
Video: Best Cheap Pet Insurance companies

What Is Pet Insurance?

Pet insurance is a type of insurance policy that protects against the cost of veterinary care for your pet.

The average annual cost of pet insurance in the United States is from $200, but it can be as high as $10,000 or more depending on your location and coverage requirements.

Pet insurance plans are similar to human health insurance in that they are meant to cover unexpected medical expenses that might otherwise be outside of your budget.
Pet health insurance is generally easier to qualify for, and less expensive than human health insurance.

Pet insurance can cover treatment for accidents, illnesses, dental work and prescription medications. Pet insurance can also cover routine care such as vaccinations and checkups.

What Is Covered?

Most pet health insurance plans will cover the cost of routine visits to your veterinarian’s office. Some plans also offer coverage for emergency visits and overnight stays at a veterinary hospital. Pet health insurance plans typically provide coverage for heartworm preventative medication, flea and tick prevention products, spay/neuter surgery and de-worming treatments.

Some pet health insurers may even pay for some non-medical expenses such as grooming costs or boarding fees when your pet has been hospitalized because of an accident or illness that resulted in your inability to care for him or her at home.

What Happens If My Dog Gets Sick Or Injured?

If your dog becomes ill or injured while covered by pet health insurance, you would contact your veterinarian and schedule an appointment as soon as possible so that treatment can begin right away.

Is Pet Insurance Worth It?

It depends on your situation. If you have an older dog with chronic conditions such as allergies or arthritis, then yes, it could be helpful to have some financial protection against unexpected vet bills and missed work days if you need to take time off work to care for your dog at home after an injury or illness. However, if you don’t anticipate needing expensive treatments in the near future — and many people don’t — then it’s probably not worth the money spent on premiums (unless you can find a provider that offers discounted rates).

There are many pet insurance companies out there, but not all of them offer the same benefits or coverage options. You want to make sure that you’re buying from a reputable company and getting the best possible coverage at an affordable price.

Here are some tips on how to choose the best cheap pet insurance company:

Research the company’s reputation and history. Look for any complaints or customer service issues, as well as information about how long they’ve been in business. A company with a good reputation will have reviews from happy customers who have received good service from them over time.

Look for customer reviews and testimonials online, especially on third-party websites. You can also ask friends, family members, or co-workers if they have any recommendations for pet insurance companies that they’ve had good experiences with in the past.

Check out whether the company provides discounts for multiple policies purchased at once (for example, if you buy both dog and cat policies through them).

What Does Pet Insurance Cover?

The best part about pet insurance is that it’s usually very affordable compared with what you would pay out of pocket for treatment. Most plans have deductibles (the amount you pay before coverage kicks in) and co-pays (the amount you pay after the deductible has been met). A typical plan might have a $200 annual deductible but no co-payments until after $2,000 of expenses are paid.

Pet insurance covers a wide range of potential health issues for your pet, including veterinary care, medications, and rehabilitation.

Pet insurance can help pay for a variety of medical needs. Some policies will cover routine wellness visits, while others may reimburse you for prescription medications.

Pet insurance can also help with other costs associated with your pet’s health, including:

Emergency pet care (such as after hours or on weekends)

Rehabilitation costs if your dog needs physical therapy after an injury

Tests to diagnose and treat illnesses or injuries (such as X-rays, blood work and vaccinations)

Surgery and visits to specialists (such as cardiologists and neurologists)
Some plans even cover dental cleaning or procedures like declawing (which most vets recommend against).

How to Find Cheap Pet Insurance

Pet insurance is one of those things that you hope you never have to use. But when your furry friend gets sick or injured, pet insurance can be a lifesaver.

Know what kind of coverage you need: Before buying any policy, it is important that you know what kind of coverage you need for your pet. This will help you choose a policy that suits your needs perfectly without having to spend too much money on expensive premiums or unnecessary coverages.

With the average premium for pet insurance costing $245 per year, it can seem like an expensive proposition for some people. However, there are ways to save on your premium and still get the coverage that you need. Here are some tips for getting cheap pet insurance:

Research all of your options before choosing a provider. There are many different companies offering pet insurance and each one has different policies and prices. Some companies may offer discounts if you sign up for multiple policies with them or if you have more than one pet insured with them. For example, Embrace offers a discount if you purchase two policies at once and include both dogs and cats on one policy. These discounts can significantly lower your monthly premiums while still providing the necessary coverage in case something happens to your beloved pets.

Also Read: 11 BEST Cheap Pet Insurance For Multiple Dogs

Get quotes from several different providers before making a decision. Many providers offer online quote calculators where you enter basic information about yourself and your pet(s) and then receive quotes based on those parameters. If you find an affordable policy through one provider but want to check others.

There are many factors that can affect the price of your pet insurance policy. The most important thing is to make sure that you have enough coverage for your needs. If you only have one cat or dog, then you probably don’t need as much coverage as someone with multiple pets or a large breed dog.

There are also some things that can help reduce the cost of your premium — like having a wellness plan set up at home with your vet and being willing to pay out-of-pocket if your pet needs emergency care.

Of course, there are also some other things that can increase the price of your premium — like having multiple pets and not having a wellness plan set up at home with your vet.
Also Take out a policy with an insurer that offers 24/7 customer service
Once you have decided what kind of coverage you want and how much money you want to spend on pet insurance, then it’s time to start shopping around!

Types of Pet Insurance

There are several different types of pet insurance policies available to choose from:

Emergency care coverage: Covers emergency treatment for injuries or illnesses that occur after you’ve purchased the policy. This may include visits to an emergency veterinarian or overnight stays in a hospital if your vet doesn’t have 24-hour emergency services on staff.

Chronic condition coverage: Covers ongoing conditions like heart disease or diabetes that require regular treatment with prescription medications and checkups with your vet every six months to monitor their progress. Some chronic condition policies will even cover tests done at home using blood tests or urine samples sent directly to the lab instead of requiring trips to the vet’s office every time. This type of plan covers all of the above, plus more complex medical procedures like chemotherapy, surgery and kidney transplants.

Accident-only coverage: This type of plan covers veterinary bills for injuries or illnesses that occur unexpectedly. It does not cover routine care, such as vaccinations or spaying/neutering.

Accident-only coverage pays up to 90% of veterinary bills due to an accident or injury that your pet suffers while covered by the policy — without regard to pre-existing conditions or other limitations imposed by some policies. Some accident-only plans have deductibles ranging from $50 to $500

Wellness coverage: This type of plan covers routine wellness visits and vaccinations, as well as annual exams and other preventative care procedures. You should also consider purchasing this coverage if you have a senior dog or cat that requires regular teeth cleaning or heartworm prevention medications.

Cheap Pet Insurance Frequent Asked Questions

Which insurance is best for my dog?

Pet insurance is a great way to protect your pet from unexpected medical expenses. But how do you know which insurance plan is best for your dog?

Here are some things to consider:

Your budget

The cost of pet insurance can vary greatly depending on the company, but it’s important to consider the price before you sign up. If you know that your budget is tight, look for an affordable option. And if you’re worried about paying more than what’s covered by your policy.
Also consider whether you want an annual or multi-year policy. It’s usually cheaper to buy a multi-year policy up front than to pay for a single year at a time. But keep in mind that if your dog dies early in the policy term, you’ll lose out on all of those payments you’ve made so far.

Your pet’s age

Most policies cover pets up to a certain age, usually between 8 and 12 years old. If your dog is older than that and has chronic health problems or needs ongoing care, then it may be worth it to get coverage for him or her until he or she dies at an older age.

Another important factor is whether you want limited or full coverage for specific conditions. If your dog has chronic conditions like arthritis or diabetes, these may require ongoing treatment that isn’t covered by most plans (with some exceptions). Speak with your vet about what conditions are covered by each plan before making a decision about which one is best for your dog

How Much Does Pet Insurance Cost?

Pet insurance is often not cheap. But it can be worth every penny, especially if your pet needs medical care.

The average annual premium for pet insurance in 2022 is $5000, with some companies charging as little as $25 per month while others charge double that amount or more and others charging more than $5,000 annually. That’s a lot of money to pay for something that might not ever be used — but then again, if you have an emergency or a chronic condition your pet will need treatment for, that’s going to add up quickly.

For example, if you live in Massachusetts, a dog under age 7 will cost $25 per month for $2,500 worth of coverage; if you live in New York City, the same dog would cost $40 per month for $3,000 worth of coverage.

The average annual cost of pet insurance coverage per month:

$25-$50 – this is the range for the most basic plans that cover only accidents and injuries

$20-$50 – includes preventive care like vaccines and tests

From $100 – adds extra coverage such as dental work or prescription medications
$100+ – covers everything from basic medical procedures to emergency treatments

This is an estimate based and may change base on a variety of factors including:

  • The type of pet you own (such as dog or cat)
  • The breed of your pet
  • Your location (some states have higher costs than others)
  • The age of your pet (older pets tend to have more health issues)
  • What kind of coverage you need (some plans cover only accidents, others also include chronic conditions)

How can I lower my pet insurance?

There are several ways you can lower your pet insurance premium. The most important thing to do is make sure that your dog or cat has a current rabies vaccination. This will reduce the risk of any potential claims, as rabies is a dangerous disease that can be transmitted to humans.

The best way to lower your pet insurance rates is to keep your pet healthy and avoid accidents. Here are some tips to help:

Spay or neuter your pet as soon as possible. Spaying and neutering removes the risk of unwanted litters and helps prevent health problems like testicular cancer.

Keep vaccinations up-to-date. Vaccinations are important for preventing diseases like distemper and rabies, which can be fatal to pets.

Keep your pet on flea medications year-round. Fleas are a common cause for skin allergies in pets, which can lead to costly medical treatments if left untreated.
You should also have a microchip implanted in your dog or cat. This will help identify your pet if it is ever lost or stolen, which could result in an expensive claim being paid out if not found quickly enough.

Read: 19 Cheapest kitten insurance Companies in 2022

If you live with other pets, it might be worth considering getting each of them covered under one policy; this will give you more flexibility when it comes to choosing which vet clinic or hospital you want to use for treatment.
There are a lot of factors that can affect how much pet insurance costs. Here are some ways to lower your premium:

1. Raise your deductible

The deductible is the amount you pay before your insurer starts paying for treatment. If you have a high deductible, then you will pay less in premiums, but if your animal gets sick, they might not be able to afford treatment.

2. Choose an older animal

Pets that are older tend to have fewer health problems and be less likely to get sick. Younger animals have more medical issues, so they’re more expensive to insure. If you want to save money on insurance for a new pet, get it when the animal is old enough for its first shots or spay/neuter surgery.

3.. Choose a smaller breed

Smaller dogs tend to live longer than larger ones, but they also cost more to insure because they’re at higher risk of injury from being stepped on or run over by cars and other hazards in the home or yard. Getting an older puppy or kitten also lowers your premium because they won’t need as many vaccines until after their first birthday anyway!

What are the advantages of pet insurance?

The advantages of pet insurance are numerous. It can protect you from expensive emergencies and help ensure that your beloved best friend is able to receive the care they need.

Advantage of pet insurance is that it allows you to focus on your pet’s health instead of worrying about how much treatment will cost. Some policies provide coverage up to $1 million per year, but even if they don’t, they usually cover enough expenses so you’re not left with huge bills after an accident or illness occurs. In some cases, insurers also pay for costs that exceed what your policy covers (such as non-routine surgeries).

In fact, according to the American Pet Products Association, the average cost of veterinary care in the United States hovers around $5000 per year for dogs and $4000 per year for cats.

21 Best Cheap Pet Insurance companies in 2022
21 Best Cheap Pet Insurance companies in 2022

The following are just a few reasons why pet insurance is a good idea:

It covers unexpected illnesses and injuries

Pet insurance covers both routine care and unexpected expenses like injuries or illnesses. This can include X-rays, blood tests and even surgery if necessary.

It provides peace of mind

Pet owners often worry about their pet’s health and future treatment costs, which can cause stress. With pet insurance, however, you don’t have to worry about how you’ll pay for your dog’s medical bills because all of them will be covered by your policy.
You don’t have to choose between getting treatment for your pet and paying rent or other bills (or vice versa).

There are no age restrictions

Most policies are available for pets of any age — including senior animals who require more frequent visits to the vet’s office — so it doesn’t matter when you enroll in a plan or how old your pet is when they join it.

How to get a quote for pet insurance

Getting a quote for pet insurance is easy. Just follow these steps:

Get an idea of how much you might pay for pet insurance by checking out our list of the best cheap pet insurance companies.

Compare the costs of different plans and make sure you know what each one covers before you buy it.

Decide which coverage limit is right for you and your pet’s needs, whether that’s $10,000 or $25,000 per year.

Confirm that there are no waiting periods or exclusions for pre-existing conditions before buying a policy.

The best way to get a quote for pet insurance is by going online and filling out an application. Most companies will ask for information about your pet’s age, breed, medical history, vaccination history and any current health issues they may have. They’ll also want to know if you have any other pets in your household and how many miles you drive per day.

Pet insurance companies offer different levels of coverage at different prices based on the type of animal covered (dogs vs cats), age, breed, weight and medical history. Some companies also offer discounts if you enroll more than one pet into their program or if both parents are covered under their plan(s).

How Much Is pet insurance a month for a dog?

The average cost for pet insurance a month for a dog is between $30 and $40. However, there are many factors that can affect the price of your coverage. The following are some of the most common ones:

The breed of dog— Certain breeds are more expensive to insure than others because they are more likely to get certain diseases or conditions that require treatment.

Your zip code — Insurance companies use zip codes to determine where your pet is most likely to be treated and then charge you accordingly. If you live in an area where veterinary services are expensive, it might be worth looking into a policy with a different company if possible.

How old your pet is — The older your pet is, the more likely it is that they’ll need medical attention, so insurance companies charge more as pets get older

Whether or not your pet has been spayed or neutered — This may seem like an odd thing to factor into pricing since it doesn’t necessarily affect their health or likelihood of getting sick, but it does affect their risk of developing certain types of cancer later in life (such as mammary tumors). If you have an unaltered female dog (or cat), expect to pay more for coverage than someone who does not have one.

Does pet insurance go up in price?

The short answer to this question is, it depends.

The longer answer is that pet insurance companies are not allowed to raise prices on existing customers unless they have proof of a pre-existing condition that was not disclosed when the policy was taken out.

There are some things that can cause the price to go up though. For example, if your dog gets very sick or injured and needs a lot of medical care then this will increase the cost of your premium. However, if your dog gets sick or injured and doesn’t need much medical care then this won’t affect the price either as long as it was disclosed at the time of taking out the policy.

Another reason why your premium might go up is because you claim for something more expensive than other people who took out their policy at the same time as you did. For example, if one person takes out a policy for £100 worth of treatment per month and another person takes out one for £200 worth of treatment per month then their premiums would be different because they’re claiming more money from their pet insurers each month than other people who took out their policies at the same time as them do.

The good news is that this type of increase typically happens only once in a policy year. But if you already have a policy in place with a company that raises your premium when your pet has an accident, there are ways to avoid these increases by switching to another provider. Some of the most popular pet insurance companies offer policies that don’t raise premiums after an injury or illness occurs.

How much is dog insurance per year?

The cost of pet insurance depends on a number of factors, including where you live and the type of pet that you have. The average annual premium for dog insurance is from $5,000, $10,000, $20,000, $50,000 or $100,000

The average cost of dog insurance is $75 per month. This is just an average, and depending on your dog’s breed, age and health history, the cost can be much higher or lower. The best way to find out what you’ll pay is to compare several carriers.

Here’s a look at how much pet insurance costs in different countries around the world:

United States: $75 per month average

Canada: $90 per month average

UK: £56 per month average

How Are Pet Insurance Costs Determined?

The cost of pet insurance is determined by several factors. The most important one is the breed and age of your pet. Older dogs and cats tend to have more health problems than younger ones, and larger breeds have a higher chance of developing some conditions than smaller breeds. Dogs that have been spayed or neutered also have lower premiums because it reduces the risk of certain health problems such as testicular cancer, uterine infections and pyometra (uterine infections).

Policy type (e.g., breed-specific). The more comprehensive your policy, the more it will cost. At the same time, breed-specific policies are generally less expensive because they’re designed for specific breeds that are prone to certain health problems (e.g., hip dysplasia in German Shepherds).

Geographic location: Other factors include whether you live in an area prone to natural disasters like hurricanes or earthquakes, which can increase your premiums. If you have a cat that’s declawed, the cost will be higher because declawed cats are at a much greater risk for needing expensive surgeries on their paws due to infection or injury. Your deductible also affects your premium because higher deductibles mean lower premiums.

What is a annual deductible on pet insurance?
Annual deductible

The annual deductible is the amount you will have to pay out of pocket before your pet insurance policy begins to cover your pet’s medical expenses.

There are two types of deductibles:

Single deductible – The single deductible is the same amount for each claim, regardless of how many times your pet needs treatment during the year. Some policies have a single deductible that applies to all treatments, while others may have separate deductibles for different treatments.

Multiple deductible – With a multiple deductible, there is a different amount subtracted from your claim for each treatment, so that if your pet needed several treatments in one year, it would not apply to the same deductible twice. This type of policy will often have an annual maximum limit on claims that can be made.

What is a co-pay?

A co-pay is the amount you pay on each visit to your veterinarian. It can vary depending on the type of treatment and plan that you choose. A typical co-pay is between $10-$30 per visit.

What is an annual maximum benefit?

This is the most that your insurer will pay in a single year for your pet’s health costs, regardless of how many times you visit the vet or how many conditions arise during that time span. For example, if your annual maximum benefit is $1 million and you have two dogs with cancer, then your insurer would only pay up to $1 million total — even if you went through all $1 million in just one year.

Can I change pet insurance company

Yes you can change your insurance company, But this is why we recommend that you consider your needs carefully before choosing a pet insurance company. If you are unhappy with your current plan, you can switch from one pet insurance company to another. You will have to provide proof of your pet’s current veterinarian and then submit the new vet’s information to your new provider. It is important to note that switching may result in a waiting period before coverage begins.

Simply contact your insurance provider and tell them that you want to cancel your policy. They will cancel the policy and send you a letter confirming that it has been canceled. Once you receive this letter from the company, you can then contact another pet health insurance company and start the enrollment process all over again.

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Can I cancel my pet insurance policy?

Yes, if you wish to stop paying premiums on your pet insurance policy, simply contact the provider and request cancellation of the policy in writing. Once the company receives your request, they will make the necessary changes within ten days of receipt of the letter. A final payment will be due within thirty days after cancellation in order to avoid any late fees or penalties related to termination of coverage before its expiration date.

Video: Best Cheap Pet Insurance companies in 2022

Thank you for reading “21 Best Cheap Pet Insurance companies in 2023” Please help share with your friends. Also Read Top Free Dog Health Insurance Plans for Your Furry Friend

Itohowo Williams has always been an animal enthusiast and has spent more than ten years working in the pet insurance industry in particular as well as other pet-related sectors. An OnePageSEO Expert. The Pet Insurance Nice Guy. Lover of Pet, Crazy for French Bulldog . Currently Working as a Pet Insurance writer at The goal is to provide valuable insights and tips for pet owners seeking guidance in choosing the right pet insurance plan, with a deep understanding of the factors that impact the cost of pet insurance policies in the Pet Insurance World. With a focus on E.A.T. (Expertise, Authority, and Trustworthiness), Williams is a reliable source for pet owners seeking high-quality pet insurance advice to make informed decisions about their furry friend's health and wellbeing. Follow Williams on twitter @



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