BEST CHEAP PET INSURANCE
Just like health insurance, Pet health insurance works exactly the same way. The only difference is that while one is for human beings the latter is for pet animals. With that said, it makes a lot of sense to be sure to check out what you are about to purchase before spending your hard-earned money.
The duration, the company issuing the policy, and more important the cost of the pet insurance. All these should be taken into consideration before spending your hard-earned money to get one. In this article, we present to you the best cheap pet insurance companies that will give you the best coverage for your pet even at a cheap price.
Best Cheap Pet Insurance Companies.
LEMONADE: Cheapest Pet Insurance
SPOT: For Most Customizable Plans
EMBRACE: For Best Saving Opportunities
ASPCA: Best for getting Discounts for Multiple Pets
FIGO: Best for 100% reimbursement
HEALTHY PAWS: Best for Lifetime Value and Unlimited Coverage
FETCH BY THE DODO: Our Pick for Therapy Coverage
LEMONADE: Cheapest Pet Insurance
With a base plan starting at $10 a month, LEMONADE is by far the cheapest pet health insurance company out there. More so, if you pick your add-ons with them wisely, you have the chance to get a coverage limit of up to $100,000 each year. More so, their claims process is fast
POSITIVES.
Premiums are very cheap
Easy-to-use mobile app
Coverage is customizable
NEGATIVES.
Limited availability nationwide
Base plan not enticing
WHAT IS COVERED?
The base pet insurance plan from LEMONADE will take care of most medical expenses arising from accidents and illnesses. With that being said, if you need more coverage, you can opt for the basic wellness add-on also known as Preventive, or the advanced add-ons also known as Preventive+
The main difference between the two add-ons is that while the Preventive can get you live vet chat, the Preventive+ will get you more coverage with things like a comprehensive vaccination schedule and more.
Here is an overview of the general coverage from LEMONADE
BASE PET INSURANCE PLAN
- Diagnostic tests
- Non-routine dental
- Genetic conditions
- Surgery
- Medication
NB. Keep in mind that the above is directly linked to accident and illness incidences
PREVENTIVE
- Live vet chat 24/7
- Annual wellness exam
- Heartworm/blood/parasite tests
PREVENTIVE+
- Routine dental cleaning
- Vaccinations
- Flea/heartworm medication
In addition to the Preventive and Preventive+ add-ons, LEMONADE offers other add-ons. These are the PUPPY/KITTEN PREVENTIVE PACKAGE, PHYSICAL THERAPY, END-OF-LIFE CARE AND REMEMBRANCE, and VETERINARY VISITS
HOW IT IS PRIZED.
For as little as $10 a month, you can get coverage for your pet from LEMONADE. Having said that, there are various factors that will affect the price of the policy you will get from LEMONADE. Factors like the breed of your dog or cat, their age, and your location will affect the pricing offered for the add-ons.
For the deductibles, you have the option of choosing a $100, $250, or $500 deductible. This you can update annually during your policy renewal process. Keep in mind, that the higher your deductible the lower your premium will be.
................................... ACCESS OUR DOG VIDEOS TRAINING LIBRARY FOR FREE
SPOT: For Most Customizable Plans
Spot pet insurance has been proven not only to be one of the pet insurance companies out there but has plans that are so customizable, they tend to fit any budget one can afford. You can choose between the accident-only plan or the accident and illness plan and with these, you get up to seven levels of annual coverage starting from $2,500 to unlimited. Just pick one that suits your budget and you are good to go.
POSITIVES.
Unlimited Annual Coverage.
No Age limit.
Some Alternative Therapies are covered.
Deductible starting from $100.
Can get 100% coverage Option.
NEGATIVES.
No customer support on weekends.
Bilateral Condition Polices.
Premiums are higher than normal for young pets.
SPOT not doing the underwriting.
WHAT IS COVERED?
With SPOT pet insurance, there are plans for accident-only, accident and illness, and preventive.
The accident-only plan covers things like:
- Toxic ingestion
- Broken limbs
- Swallowed Objects
- Fractured teeth
- Microchip implantation
- End-of-life expenses
and much more.
The accident and illness plan covers things like:
- Surgery
- Hospitalization
- X-rays
- Dental disease
- IVDD
- Heart disease
- Cancer
- Poison control consultation fees
- Microchip implantation
- Behavioral therapy
and much more.
The wellness option comes with two preventive plans that can be added to the insurance policy. These are the gold plan which covers things like:
- Dental cleanings.
- Vaccines.
- heartworm tests.
- etc.
And the Platinum plan covers things like:
- Preventative procedures.
- Spaying or neutering.
- Bordetella vaccines.
- etc.
HOW IT IS PRIZED.
How much you get to pay for a SPOT Pet Insurance policy would depend on your location, the breed of your pet, age, current health status, and more. On average you can insure your dog for $30 to $50 a month and your cat for $18 to $25 a month. This can get you an annual limit of $5,000 for the accident and illness coverage on a $500 deductible.
For the preventive, you can get an annual reimbursement of $250 for the gold plan and $450 for the Platinum plan. Please keep in mind, you will have to wait 14 days after enrollment for the policies to take effect.
EMBRACE: For Best Saving Opportunities
This is another pet insurance company that offers low prizes, if you are looking for opportunities to make some savings on your pet insurance plan while getting top-notch coverage for them, EMBRACE has got you covered here. For starters, pet parents with multiple pets can get up to 10% discount, companies enrolled in EMBRACE pet insurance programs can get up to 10% discount for their employees and military officers can get 5% discount on their first pet insurance policy.
In addition to the above EMBRACE offers what is called the Healthy Pet Deductible. This simply means that for every year in which you don’t file a claim, EMBRACE will credit your annual deductible with $50 which means that as time goes on, you may not need to pay any deductible for your pet insurance plan.
POSITIVES.
Embrace offers a vanishing deductible program
They also offer an accident-only plan
The plan cover hospitalization and emergency care at any licensed pet clinic
Short waiting period for accident cover to take effect.
Free medical history review
NEGATIVES.
The wellness options are not attractive
No zero-deductible offers
You pay additional fees just for enrolling and monthly pay.
WHAT IS COVERED
Embrace pet insurance company offers two types of policies or plans. The first one is for accidents only and the second one is for accidents and illness. Generally, you will have to wait two days for the accident policy to take effect and fourteen days for the illness policy to take effect.
As they say in Embrace, their policies are “nose to tail coverage” meaning every single part of your pet’s body is covered. Here is a list of treatments and services that are covered under these plans:
- Hospitalization
- Exam fees
- Emergency care
- Hereditary conditions
- Chronic conditions
- Cancer treatment
- Surgery
- Congenital conditions
- Prescriptions
- Rehabilitation
- Behavioral therapy
- Diagnostic screenings
In addition to the above, they have an Accident Only insurance plan specifically for dogs. This plan covers things like:
- Injuries
- Car accidents
- Swallowed objects
- Prescription drugs for covered conditions
- Cuts and lacerations
- Poisoning
There are also offers for Wellness Rewards for Routine Care rider, which can help you to take care of things like annual check-ups, vaccines, prescription diet food, and microchipping.
HOW IT IS PRIZED.
The prize for cover starts at $145 per year, although you can get a plan structured to your pet type by going online to their website and getting a quote. The customization will take into consideration the type of pet you want to insure, its breed, and age amongst other things.
Accident-only plans have an annual deductible of $100 while for accident and illness plans, the deductible can range from $200 to $1000.
A wonderful benefit you get by insuring your pet with Embrace is their “Healthy Pet Deductible discount”. This discount can come in different forms for example if you go a year without filing a claim, Embrace will reduce your deductible by $50. If you are insuring multiple pets, you can get a 10% discount. If you are getting the insurance through your employer, you can also get a 10% discount and if you are in the military, you can get a 5% discount.
ASPCA: Best for getting Discounts for Multiple Pets
The American Society for the Prevention of Cruelty to Animals or ASPCA offers very affordable and customizable policies for pet parents. Having been in the pet insurance niche for more than 25 years, ASPCA is the pet insurance company of choice for seasoned pet parents.
Whether you are going for the accident-only plan or accident-and-illness plan, ASPCA offers five coverage limit options, three reimbursement rates, and deductible choices which help to provide options for any budget in which you may be interested.
There is also a discount given for any additional pet insured (10% discount) which means the more pets you insure with them, the less you are likely to pay.
POSITIVES.
Can place claims with any licensed veterinarian in the U.S. and Canada
Whooping 10% multi-pet discount
Comes with a smartphone app
Cats, dogs, and horses covered
NEGATIVES.
Benefits for wellness are dependent on per-treatment limits.
ASPCA is not directly involved in the administration
WHAT IS COVERED?
ASPCA offers two plans, an accident-only plan, and an accident and illness plan. The preventive care part of the coverage can be used a day after enrollment but the other parts of the coverage can only be used 14 days after enrollment.
Some of the things covered under the ASPCA Pet Health Insurance are:
- Illnesses
- Accidents
- Behavioral Health
- Dental diseases
- Hereditary conditions
The accident-only plan pays exclusively for accident-related injuries and treatment like:
- Hospitalization
- Broken bones
- Torn ligaments
- Bite wounds
- Ultrasounds
- Swallowed objects
- X-rays
- MRIs
- Surgery
An extra you can get with ASPCA plans is a preventive care coverage rider. This covers dental cleanings, routine screenings, and much more.
HOW IT IS PRIZED.
How much you get to pay for ASPCA Pet Health Insurance depends very much on the pet’s breed, age, and specific plan. Personalized Quotes can always be gotten online and this will give you an idea of how much coverage your pet can get. Even though the Deductible is between $100 to $500, for houses with multiple pets, you get a 10% discount offer for each pet insured with ASPCA. So the more pets you have, the more discount you get.
FIGO: Best for 100% reimbursement
It would be impossible to list cheap pet insurance companies without listing FIGO. Not only are their plans cheap, but they also offer a 100% reimbursement rate. In addition, their plans are customizable and offers are straightforward and easy to understand.
This cheap pet insurance has plans that extend to options like chiropractic care, acupuncture, and alternative therapies.
Another powerful selling point for FIGO is its unique mobile app called Pet Cloud. With this app you are able to access virtual veterinary visits 24 hours a day, all this without incurring additional costs to you.
POSITIVES.
Holistic care included in the Base plan
You get a 30 days money back guarantee
Virtual Vet visits are available any time of the day
Very flexible customer support
Can be used by any licensed veterinarian
NEGATIVES.
Pets need to take an enrollment examination
Examination fees are not covered in the base plan
Only dogs and cats accepted
WHAT IS COVERED?
FIGO pet insurance plan mainly covers accidents and injuries to pets. Under this plan, the coverage is in 3 tiers. The Essential plan where you can get up to $5,000 annually. The Preferred plan where you can get up to $10,000 annually. The Ultimate plan where you can get unlimited payment annually.
Here are some of the treatments and services covered under Figo’s accident and injury pet insurance policy:
- Emergency services
- Hospitalization
- Diagnostic testing
- Hereditary conditions
- Congenital conditions
- Chronic conditions
- Cancer treatment
- Surgeries
- Holistic and alternative treatments
- Behavioral Health
In addition to the above, FIGO also offers a wellness plan. You can access this wellness plan by getting a Wellness Rider for preventive care. Note that whatever coverage you go for, after enrollment, you have to wait one day for injury visits to take effect and 14 days for illness visits to take effect. Some orthopedic conditions can take up to six months after enrollment to take effect.
HOW IT IS PRIZED.
The price starts at $92 per year. But as usual, you can get a plan customized to your pet’s needs by going online and requesting a personalized rate quote for your pet. Deductibles range from $100 to $750 and discounts are available depending on the state you reside in. To get the best deal, reach out to FIGO customer service and get the correct details of how you can get a FIGO pet insurance plan for the best price.
HEALTHY PAWS: Best for Lifetime Value and Unlimited Coverage
HEALTHY PAWS Pet Health insurance is another pet insurance company that is affordable, this is when you look at it from the perspective of them not having a limit on the coverage amount. The prize you get to pay is not predefined as it is based on factors like your pet’s breed, age, sex, etc. But the quotes you get are somewhat less expensive when looking at what other top pet insurance companies of their status offer.
POSITIVES.
Fast claims process
90% reimbursement
No cap on the payout
NEGATIVES.
No discount offered
Only one type of policy offered
No good for older pets
WHAT IS COVERED?
HEALTHY PAWS offers the accident and illness plan only, with no riders or preventive care. Some of the things covered under the HEALTHY PAWS Plan are:
- Some Bilateral conditions
- Genetic, congenital, or chronic conditions
- Diagnostics
- Surgery
- Cancer
- Rehabilitation and alternative care
- Prescription medication
- Prescription supplements
- Non-routine dental
- Emergency care
- Specialty care
- Live vet chat 24/7
HOW IT IS PRIZED.
As with most pet health insurance companies, HEALTHY PAWS takes into consideration your pet’s breed, age, sex, and type for their pricing. Annual deductible options available are $100, $250, and $500. You can get reimbursement percentages in the range of 70%, 80%, or 90% and there is no limit to the coverage. A situation that is not common with most pet health insurance companies as they usually put an annual coverage limit.
You can get more information on HEALTHY PAWS Pricing through their online portal, get quotes and check the specific rates with all possible variations for your pet.
FETCH BY THE DODO: Our Pick for Therapy Coverage
Even though this is a very new pet health insurance company (launched in 2021). They are known to have insured more than 300,000 dogs and cats. Averaging $20 per month, FETCH BY THE DODO has proven to be one of the most affordable pet health insurance plans on the market.
POSITIVES.
Exam fees are covered
Quick reimbursements
Various Discounts are readily available
Young pets eligible
NEGATIVES.
No unlimited annual benefits
No preventive care coverage
There is a 6-month waiting period for hip dysplasia
Shorter deadlines to submit claims
WHAT IS COVERED?
You get only one plan with FETCH BY THE DODO. The accident and illness plan. Simply put, you will get reimbursed for any treatment that arises due to an unexpected injury or illness like cancer treatment, surgeries, and more. As we have already mentioned, FETCH BY THE DODO does not offer optional riders but the main policy is packed with benefits that most pet health insurance companies don’t offer.
Some of these benefits are:
Vacation cancellation: If your pet gets injured or falls ill during a period when you made vacation plans and leading you to cancel them. FETCH BY THE DODO can reimburse you up to $1,000 of your vacation cost.
Rewards for lost pet adverts: If you lost your pet and spent some money advertising and offering rewards for finding them. FETCH BY THE DODO can reimburse you up to $1,000 for the amount spent.
Boarding fees: If your cat or dog is hospitalized and stays 4 or more days in the hospital. FETCH BY THE DODO is more likely to be responsible for such charges up to $1,000.
Here are some treatments and things covered under the accident and illnesses plan:
- Exam fees
- Emergency and office exams
- Genetic and congenital conditions
- Diagnostics or testing
- Surgery and hospitalization
- Cancer and chronic conditions
- Specialist care
- Non-routine dental
- Prescription medication
- Holistic and chiropractic care
- Behavioral therapy
HOW IT IS PRIZED.
A subscriber to the FETCH BY THE DODO pet insurance plan is known to pay about $25 a month for cats and $35 per month for dogs. How wide your payment will vary will be based on the option you choose. For example, you will have to choose the annual benefit limit you want, your Reimbursement Percentage, and the deductible you will want to pay.
Your annual benefit limit options are $5,000, $10,000, and $15,000. Reimbursement Percentages are 70%, 80%, and 90%, and Deductibles are $300, $500, and $700
PET INSURANCE
DOG CARE
DOG PRODUCTS
DOG BREEDS
Hi, I am Charles Nwankwo Editor-in-Chief, Mydoggything.com. Gleaning from Professional Dog Trainers, behaviorist, Registered Veterinarians, and Breeders. We are passionate about making dog care easy for you. My job is to make sure that you get the best-updated dog care information to understand and take care of your dog or dogs.
