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Compare Pet Insurance Multiple Pets
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Reviewed by Dr. Patrik Holmboe Reviewed by Dr. Patrik Holmboe Reviewer Dr. Patrik Holmboe completed his veterinary studies at the University of Melbourne in 2015 and spent over five years as a companion veterinarian in Australia, Dubai and the Netherlands. In 2021, he merged his interests in veterinary medicine, technology and innovation by joining Cooper Pet Care, the leading provider of veterinary telemedicine in the Netherlands. In his role as Chief Veterinarian, he oversees all veterinary operations and focuses on improving the client experience.
Whether you own a dog or a cat, the best affordable pet insurance companies tend to be the same for both species. If you’re looking for minimal coverage, the pet insurance company that offers the cheapest accident and illness plans is Pets Best, which charges $7.79 a month for a 4-year-old medium-sized mixed breed dog and $4.06 a month for a 4 years old. mixed breed cat.
But if your goal is to get mid-range coverage while saving money, Lemonade charges $23.22 and $13.22 for the same dog and cat profiles, the cheapest among our reviewed providers.
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While paying monthly premiums for a product you don’t expect to use can be a challenge, affordable pet insurance can reduce the financial impact of emergency veterinary care when your pet needs it most. At Guides, we look at some of the best pet health insurance companies to find affordable but quality options for pet owners on a budget.
Companies Reviewed Our team reviewed more than 35 pet insurance companies, collecting and comparing data on monthly premiums, customized coverage options and more.
Collected Quotes We’ve collected over 1,000 sample quotes from pet insurance companies for a variety of age groups, species and breeds to give readers an accurate look at pricing and how competitors compare in terms of pricing. We update our pages periodically to reflect accurate cost information.
Rating Factors Our comprehensive rating system rates providers based on 42 data points across eight key factors: monthly rates, plan options, covered treatments, coverage adjustments, customer service, industry reputation, age limits and waiting periods.
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Veterinarians We have consulted with several veterinarians to confirm the accuracy of our pet care information and pricing.
Of the pet insurance companies we reviewed, Lemonade consistently offered some of the most affordable plans for dogs and cats. One of the reasons we give this provider a high score (92 out of 100) is that it offers policy customization options (five coverage limits, three deductibles and three reimbursement rates to choose from) to help customers tailor pricing to your needs .
Lemonade also allows pet owners to increase coverage to include things like vet visits and check-up fees, physical or behavioral therapy and other add-ons for an additional fee of $1 to $5 per pet. month. Lemonade offers a rare discount in the pet insurance industry, offering customers 10% off policies when bundled with homeowners or renters insurance.
Benefits Charge a fixed fee before donating unused prizes to charities supporting animals in need. It has the cheapest premiums on this list when the average policy options are chosen. Offers a 10% discount when you bundle pet insurance with Lemonade’s renter’s or homeowner’s insurance. Cons Excludes pets 14 years of age or older for coverage. Does not cover exam fees in its basic plan
Faqs For Pet Health Insurance And Pet Wellness Plans
Lemonade offers a standard plan that covers accidents and illnesses such as broken bones, sprains, infections, cancers, heart disease or hip dysplasia. Pays for diagnostic tests, urinalysis, outpatient procedures, emergency care, hospitalization, surgery, and prescription drugs.
All premium examples in this article are for 4-year-old medium-sized mixed-breed male dogs and cats in North Carolina. We request quotes for each provider’s basic plan, using their minimum coverage options (highest deductible, lowest annual coverage limit, and lowest reimbursement rate) for our low offer and maximum coverage options for our advanced offer. We also collect mid-range offers by selecting coverage options in the middle of each provider’s range.
Lemonade also offers two levels of preventive coverage at affordable rates. The company charges lower prices for wellness plans for cats than for dogs. Choosing a preventive care plan adds a monthly fee of $18 to $27 for dogs and $11 to $18 for cats.
If this provider’s basic plan doesn’t cover an item you’re concerned about, you can find it among the plan’s affordable add-ons. For a fee, you can choose the following individual riders to supplement your basic coverage:
Why We’re The Best Pet Insurance
Spot is an affordable pet insurance provider that offers the most customized plans of the companies we reviewed. It has coverage options for accident only or accident and illness, as well as seven different annual coverage limits ranging from $2,500 to unlimited, allowing pet owners to find the right amount of coverage at an affordable price.
One of the most reliable ways to reduce the cost of pet insurance is to adjust policy adjustments. Increasing your deductible or lowering your annual limit can significantly affect your premium. Strong ratings for premium costs, policy adjustments and many covered treatments gave Spot an overall score of 89 out of 100.
Pros Provides 24/7 telehealth support Does not impose an age limit on dogs or cats Provides a 30-day money-back guarantee Cons Charges a $2 fee to process each monthly payment. Does not cover prescription pet food
Spot and the ASPCA use the same insurance company, United States Fire Insurance Company, so their coverage is the same. Spot’s standard accident and illness policy covers unexpected injuries, illnesses or other conditions, including dental disease, cancer, heart disease and more.
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Spot’s significant customization offers create a wide range of premium costs, with high coverage costing almost seven times the cost of low coverage, according to our sample offers. However, this allows pet owners to adjust coverage based on their budget without switching to a new pet insurance company.
Spot also offers an accident plan as a more affordable option for limited coverage. This scheme covers the same claims treatments as the accident and illness plan, but does not cover similar diseases, disorders or conditions.
Spot offers preventive treatment on two levels. The Gold plan has an annual reimbursement of $250 for vaccines, fecal tests, medications, wellness visits and more. The Platinum plan includes everything in the Gold plan plus spay and neuter surgeries, blood tests and more. It also increases the annual coverage to $450.
Embrace’s basic pet insurance premiums aren’t as low as Lemonade’s, but the company earned a score of 90.5 out of 100 for the additional savings it provides eligible pet owners through discounts. When you enroll your pet, you may be eligible for a 10% discount for each additional pet policy you purchase, a 5% military discount and/or a 10% employee discount for companies that offer Embrace pet insurance.
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Embrace also offers the Healthy Pet Deductible, which credits $50 toward your deductible for each year you don’t file a claim, reducing your deductible to just $0. However, we deducted points from Embrace’s overall score because it charges customers a $25 sign-up fee and a $1 monthly processing fee for policyholders who pay monthly (not annually).
Benefits Offers more discounts than most providers Provides 24/7 customer support with online chat and a toll-free pet helpline. Reduces your deductible by $50 for each consecutive year you don’t file a claim Cons Has a $1 transaction fee Has a $25 filing fee
Embrace pet accident and illness insurance covers treatments, procedures and other costs related to conditions such as dental trauma, chronic conditions, congenital conditions, injuries and more. It does not cover pre-existing conditions, organ transplants, reproductive or pregnancy problems, elective procedures and other exclusions.
Although Embrace’s full price coverage is more expensive than Lemonade’s, you can save up to 25% if you qualify for all of Embrace’s discounts. However, we have noticed that Embrace premiums increase significantly with fully customized plans.
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Embrace’s optional Wellness Rewards Preventative Care Package provides 100% reimbursement up to your choice of an annual coverage limit of $250, $450 or $650. The plan covers typical wellness costs for spaying or neutering, microchipping, routine vaccinations, acupuncture, grooming, dental cleanings and more.
Embrace wellness coverage costs a flat rate of $18.75, $35.42 or $52.09 per month, respectively. month for the three levels. Although this does not add up