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Our Top Pet Insurance Companies in the United States
How Much is Pet Insurance in the United States?
Best & Cheapest Pet Insurance in the U.S. for 2024
Based on our top providers’ rate analysis, the lowest pet insurance monthly rate costs $11 for cats and $17 for dogs. That’s 62% below the average pet insurance cost in the United States.
We’re here to help. InsureBetter.net provides options for comprehensive pet insurance coverage for illnesses, injuries, and wellness care to help you manage the costs of protecting your pet. Opt for no wait period before your animal can be covered. Pre-existing conditions can also be insured.
Disclaimer: There are several factors that impact your monthly premium; including, but not limited to your pet's age, breed, location, and the type of plan you choose. Get a quote today to check your rate.
Pet Insurance Rates in the U.S. for Dogs and Cats
Pet insurance prices vary depending on the coverage and the benefits of the policy. We conducted a full analysis to collect data for both dogs and cats of different breeds and ages for an accident and illness policy with an annual limit of $5,000 and a $500 deductible, this is the average cost that what we found:
| Dog | Cat | |
|---|---|---|
| 1 Year Old | $36.83 | $19.51 |
| 3 Year Old | $38.68 | $20.22 |
| 5 Year Old | $48.19 | $24.17 |
| 8 Year Old | $71.43 | $36.00 |
| 10 Year Old | $119.46 | $50.40 |
Average pet insurance rates based on popular pet breeds:
| Dog Breed | Monthly | Annual |
|---|---|---|
| Golden Retriever | $43.07 | $516.84 |
| Labrador Retriever | $44.38 | $532.56 |
| German Shepherd | $44.38 | $537.96 |
| English Buildog | $55.56 | $666.72 |
| French Buildog | $56.63 | $679.56 |
| Cat Breed | Monthly | Annual |
|---|---|---|
| Exotic Shorthair | $18.08 | $216.96 |
| British Shorthair | $19.65 | $235.80 |
| Ragdoll | $20.19 | $242.28 |
| Persian | $20.28 | $243.36 |
| Maine Coon | $21.15 | $253.80 |
As the cost of vet bills continues to rise, smart pet owners are choosing to get their pet’s insured as early as possible. The most favored plan reimburses pet owners up to $5,000 annually, even pet bills are eligible for coverage.
Is pet insurance worth it?
Pet insurance gives you peace of mind that your pet is protected, every pet owner should consider getting pet insurance. Other than comfort, pet insurance helps owners save thousands of dollars on the costs of a major illness or injury. If you have multiple pets, you could add up out-of-pocket costs considerably without the right insurance. Common issues include:
- Emergency room in the case of an accident could cost $1,000 or more.
- Cancer treatment could cost $5,000 or more.
- Heartworm medications could cost between $400 and $1,000
So, always remember to prepare for the unexpected with pet insurance.
What is the Best Pet Insurance Company in the United States?
Cheapest Pet Insurance Company in the U.S.
Embrace has the cheapest pet insurance for dogs out of the top providers with an average monthly rate of $23.25, while PetsBest has the most affordable health plan for cats with a monthly rate of $9.94. Without the right insurance, pet owners may be faced with a tough decision if they can’t afford a large vet bill.
The Best Pet Insurance in the U.S. - 2024’s Rankings
Our experts reviewed various pet insurance policies from a variety of companies and compiled the best coverage plan based on monthly premiums, policy features, coverage options, and customer service that makes them stand out from other providers in the United States. This is our list:
| Type | Best Company |
|---|---|
| Best Overall Health Plan | Pumpkin Pet Insurance |
| Best for Accident & Illness Only | Healthy Paws Pet Insurance |
| Best for Low Price | Pawp Pet Insurance |
| Best for Multiple Pets | ASPCA Pet Insurance |
| Best Deductible | Embrace Pet Insurance |
How to find the best pet insurance company for you?
There’s a lot of things to think about before getting a pet insurance plan. As the pet owner, you don’t want to pay for coverage that your pet won’t need. Here are some important factors to consider:
- Pay only for the stuff you need. For young, healthy pets, picking a plan that covers only emergencies and catastrophic illness may help you save more money.
- Consider your dog’s or cat’s age, medical history, and breed. If your pet has been sick in the past, you’ll want to find out if that illness is qualified as a pre-existing condition and whether it will be covered or not
- Don’t wait to get covered. When we do adoptions, check out pet insurance immediately. As your pet gets older, pet insurance policies tend to be more expensive.
What Does Pet Insurance Cover?
Accident
Pet insurance covers injuries and emergencies related to accidents, including torn ligaments, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. It also covers all sorts of services related to accidents, such as X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery.
Illness
Pet owners are able to get reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs). Many insurance providers offer the ultimate plan including dental illness for your pet, covered up to $1,000/year, with no dental exam required.
Pre-Existing Conditions
Pre-existing conditions can be covered at no additional cost as long as it’s curable. Examples of curable conditions include respiratory infections, ear infections, urinary tract infections, bladder infections, vomiting, and diarrhea.
Spaying/Neutering
Spaying helps avoid uterine infections and breast cancer while neutering can protect pets against testicular cancer and some prostate issues. The right pet insurance plans will cover the cost of your pet’s sterilization procedure, including spaying or neutering your pets.
About Us
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Contributing Experts
15
Total Users
3930
Cities Reviewed
Our Mission:
InsureBetter.net’s mission is to empower Americans with information they can trust. Our goal is to be a reliable source of educational content regarding pet insurance prices. In addition, we provide details on requirement policies, coverage, and rates from 40+ top insurance companies.
The driving force behind our purpose is the deeply disturbing fact that Americans are overpaying insurance companies by over $100 billion per year. This is ridiculous. This needs to change. This is why we created InsureBetter.net.
Data & Rate Estimate Methodology
For pet insurance rates based on ages, InsureBetter.net collected data from an average of top 12 insurers reflecting both a three-year-old medium size, mixed-breed dog and a domestic shorthair cat.
We used the data for an accident and illness policy plan with an annual limit of $5,000 and a $500 deductible.
For pet breeds, we calculated the average premium price for five of the most popular dog and cat breeds in the US.
InsureBetter.net is managed by our moderator, George Smith. George is an expert about pet insurance. He spent decades comparing insurance providers to find the most cost-effective coverage for pets. George has written articles for the Business Insider, Forbes, and New York Times since 2015. He is a dad to two kids and based in Brooklyn.