Table of Contents

    Best Cheap Pet Insurance

    Every responsible pet owner knows that dogs and cats come with costs. Some people think they can’t afford to buy pet insurance, when the reality is that they can’t afford not to! To make sure no one gets left out, we’ve dedicated our time to hunt for the cheapest pet insurance.

    What is the average cost of pet insurance per month?

    The average cost of pet insurance ranges between $20 to $60 a month on average.  The rate of your monthly premium depends on a lot of variables like the rate of coverage, whether you have a cat or dog, the age of your pet and what breed it is.  

    What's the Cheapest Pet Insurance?

    Working out the cheapest pet insurance is challenging because every dog and cat is different. We analyzed the costs of insurance plans, the coverage level, and the rate of reimbursement for cat and dog owners Our research shows that the cheapest pet insurance for cats and dogs is Embrace.

    Cheapest Cat Insurance

    Let cats go first! We reviewed a lot of cat insurance companies. Here is our list of the cheapest providers:

    1.    Pets Best

    preview

    PROS

    • Their cat health insurance plans start as low as $6 per month.
    • They offer a variety of coverage choices.
    • They offer 2 optional routine care plans.
    • No upper age limits.

    CONS

    • Your cat’s age and breed will affect the premium.
    • Pre-existing conditions are not covered.

    Pets Best is the cheapest cat insurance provider we could find. Their plans start at only $6 per month for accident only cover. Plans that include more comprehensive coverage for accidents and illnesses average between $22 and $46 per month. They offer over 100 customizable plans, so you can customize      your coverage to insure the areas that are most important for your cat. There is a lot of flexibility offered with their plans. You can choose the annual limit, deductible, and reimbursement percentage that best fits your budget. They also let you make changes to your plan whenever needed.      

    Check out Pets Best here: https://www.petsbest.com/

    2.    Embrace

     Embrace Pet Insurance Logo

    PROS

    • You can use any vet’s services.
    • They provide cover for emergencies.
    • Wellness services are covered.
    • They provide cover for behavioral therapy.

    CONS

    • Regular veterinary check-ups are not covered in the basic plan.
    • You need to take out optional additional coverage for vaccines.

    Embrace Pet offers coverage for any surgery or hospitalization your cat might need. The cost of your insurance depends on your pet’s breed and age. You can choose to add      their wellness package which provides covers for routine veterinary examinations. Dental illness is covered for up to $1000 per year. You can also cover treatment for severe illnesses such as cancer or prosthetic limbs and other devices, as well as your vet’s prescriptions. 

    Check out cheap cat insurance at Embrace: https://www.embracepetinsurance.com/

    3.    Pet First

     

    PROS

    • The age or breed of your cat doesn't matter. 
    • Short waiting period until the claims are processed.
    • You are able to personalize the insurance plan according to your cat’s specific needs
    • You can add extra services.

    CONS

    • Pre-existing conditions are no included in the insurance
    • Elective procedures are not included in the insurance.

    Pet First offers a range of personalized plans to suit the needs of your cat, while helping you remain within your budget! You can personalize the insurance plan according to your cat’s specific needs. You are able to include different services and medical tests in your plan, such as x-rays, ultrasounds, surgeries, vet visits, treatment for chronic conditions, and hospitalization. 

    Check out Pet First cat insurance rates here: https://www.petfirst.com/pet-insurance/cat-insurance/

    4.    Pet Plan

     

    PROS

    • You get to choose the wet you want to work with.
    • Young puppies can also benefit from this insurance.
    • Prescription medications are covered.
    • Your pet can benefit from holistic therapy.

    CONS

    • Routine care is excluded.
    • Pre-existing conditions are excluded.

    You only have to pay around $25 per month to get your cat insured with Pet Insurance. The price you pay for the insurance will depend on your cat’s age and breed. Some of the services you can get reimbursed for include sick visits, chiropractic appointments, cancer treatment, surgery, rehabilitation, hereditary or chronic conditions, emergencies, specialist visits. You can also enjoy coverage for veterinary issued prescription pills.

    Get your cat a personalized Pet Plan quote here: https://www.gopetplan.com/

    5.    Healthy Paws

     

    PROS

    • They don’t apply yearly caps on payouts.
    • It’s easy to get reimbursed.
    • You get to choose the vet you want to go to. 
    • Great reputation and reviews. 

    CONS

    • Pre-existing conditions are excluded.
    • Different eligibility criteria your pet has to meet.

    This is a good insurance choice for emergencies or accidents. However, you can also use it for hereditary or chronic disease. Nonetheless, you will not be able to include routine visits to the vet or consultation services. You can get reimbursed for up to 90% of your bills by entering your claims in the user-friendly app Healthy Paws provides. Most reimbursements are received within a couple of days.

    Visit Healthy Paws for cats here: https://www.healthypawspetinsurance.com/

    For the full extended list of the cheapest cat insurance providers available     , head to our cheapest cat insurance page here.

    Cheapest Dog Insurance

    We reviewed a lot of pet insurance companies to find the cheapest coverage for dogs. Here is our top list:

    1.    Embrace

     Embrace Pet Insurance Logo

    PROS

    • Any vet’s services can be used 
    • Great coverage for emergencies.
    • Fast reimbursement
    • Alternative services such as wellness services are included. 

    CONS

    • The basic plan is limited.
    • Vaccines are not included unless you pay extra.

    Embrace Pet offers coverage for multiple dog-related health problems such as allergies or stomach problems This insurance is excellent in case of accidents or other emergencies. Preventive care or wellness therapies can be included in your insurance, but you will most likely have to pay extra. Even with the basic coverage, you can benefit from dental services for a maximum of $1000 per year. The cost of the insurance depends on the dog’s age and breed.

    Check out cheap dog insurance at Embrace: https://www.embracepetinsurance.com/

    2.    Pet First

    PROS

    • The age or breed of your dog doesn't matter          .
    • A multitude of vet services are covered.
    • Clear reimbursement process.
    • You can customize the plan you purchase.

    CONS

    • They don’t cover pre-existing conditions.
    • They don’t cover elective procedures.

    Pet First provides you a wide array of insurance plans you can easily customize based on your dog’s needs. You will pay for this insurance based on how many different services you want to get covered and your budget! Regular check-ups, medical tests, emergencies, hospitalization, chronicle or hereditary diseases are covered. 

    Check out Pet First dog insurance rates here: https://www.petfirst.com/pet-insurance/dog-insurance/

    3.    Pet Plan

     

    PROS

    • You can go to any local vet in your area.
    • You get reimbursed for vet examinations.
    • Prescription medication can be covered.
    • Alternative therapies are available for coverage.

    CONS

    • Routine care is not included in the insurance.
    • You can’t get reimbursed for pre-existing diseases.

    Pet Plan offers insurance for an affordable price of $25 per month. The age and breed of your dog will play a factor in determining the cost of your insurance. They provide cover for sick visits, chiropractic appointments, cancer treatment, surgery, rehabilitation, and hydrotherapy. Dogs as young as 6 weeks old qualify for this insurance. Pet Plan does cover for hereditary and chronic conditions, which some pet insurance doesn’t. Their plan includes cover for emergencies and if you need to take your dog to a specialist. They also provide cover for prescription medications.

    Get your dog a personalized Pet Plan quote here: https://www.gopetplan.com/

    4.    Pets Best

     preview

    PROS

    • Their dog health insurance plans start as low as $9 per month.
    • They offer a variety of coverage choices.
    • They offer 2 optional routine care plans.
    • No upper age limits.

    CONS

    • Your dog’s age and breed will affect the premium.
    • Pre-existing conditions are not covered.

    Pets Best is one of the cheapest dog insurance providers we could find. Their plans start at only $9 per month for accident only cover. Plans that include comprehensive coverage for accidents and illnesses average between $35 and $58 per month. They offer over 100 customizable plans, so you can customize      your coverage to insure the areas that are most important for your dog. There is lots of flexibility offered with their plans, so you can choose the annual limit, deductible, and reimbursement percentage that best fits your budget. They also let you make changes to your plan whenever needed.           

    Check out Pets Best here: https://www.petsbest.com/

    5.    Healthy Paws 

     

    PROS

    • You are not limited by yearly caps.
    • The claims are usually processed fast. 
    • You can use an app to claim. 

    CONS

    • Dogs with pre-existing conditions don’t qualify for those conditions.
    • Dogs over 14 years old don't qualify for this insurance. 

    Multiple dog health issues are covered by this insurance, except for emergencies and accidents. One of the disadvantages is that they don’t cover regular routine vet visits. You can get reimbursements for almost 90% of your bills minus yearly deductible. The whole claim process is, overall, fast and easy, as you will be able to get reimbursed in only a few days. 

    You can visit Healthy Paws for dogs here: https://www.healthypawspetinsurance.com/