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7 Best Cheap Pet Insurance Companies (2022 Review)

If you want affordable and quality protection for your pet, read our review below on cheap pet insurance. We discuss each company’s plans and pricing and include information on how to get a free quote.

A light brown cockapoo sits on a front porch next to a white planter box with green shrub in it and has red leash hanging from collar. Adobe

Emergency treatments for your pet often cost between $1,000 and $5,000, in addition to $100–$150 in exam fees and $150–$250 for X-rays or other diagnostic procedures.

These costs can add up, creating excessive out-of-pocket spending for you when your beloved furry friend gets sick or injured. Luckily, pet owners can buy an affordable pet insurance policy to help minimize those costs and receive peace of mind.

The This Old House Reviews team researched the top pet insurance companies, reviewing them on factors such as reputation, customer service, plan options, cost, and coverage. We found that many of the top pet insurance providers offer cheap policies to customers who need inexpensive coverage on their dogs and cats.

Keep reading to learn more about what these pet insurance companies offer.

Top 7 Cheapest Pet Insurance Companies


We found Lemonade to be the ‘Best Overall’ pet insurance company and gave it a score of 96 out of 100. We were impressed with the company’s low prices, high coverage limits, and wellness and extra coverage add-ons. Lemonade also has a user-friendly mobile app that features AI technology and helps you instantly get a quote, sign up for a policy, and file claims.

Lemonade primarily lost points for its C rating on the Better Business Bureau (BBB), which is lower than many competitors. Although it received this rating for its high number of registered complaints, we noted that most complaints referenced Lemonade’s other insurance products, such as homeowners insurance and renters insurance, rather than pet insurance.

To get a free quote from Lemonade, fill out this simple online form.

Lemonade Pros & Cons

✔ Offers customers a discount for paying annually
✔ Donates customers’ leftover premiums to charities
✔ Has a short waiting period of 48 hours for accidents

✘ Requires a medical report from the past 12 months before enrollment
✘ Charges higher prices for pets with a medical history

Lemonade Pet Insurance Plans

Lemonade has an Accident and Illness Plan and it offers three add-ons for wellness and extra insurance coverage. Like many competitors, this provider excludes elective procedures, behavioral treatments, and pre-existing conditions from its policies, and it requires a recent medical report from the last 12 months before initiating coverage.

Accident and Illness Plan: This plan offers comprehensive coverage for injections, prescription medications, outpatient care, specialty care, emergency care, hospitalization, surgery, blood tests, urinalysis, X-rays, MRIs, labwork, CT scans, and ultrasounds related to both accidents and injuries.

Coverage options include:

  1. 70%, 80%, and 90% reimbursements
  2. $5,000, $10,000, $20,000, $50,000, and $100,000 annual coverage limits
  3. $100, $250, and $500 deductibles

Available Add-Ons

  • Preventative Care
  • Vet Visit Fees
  • Physical Therapy

Learn More: Lemonade Pet Insurance Review


With six coverage limit options, three reimbursement options, and five annual deductibles to choose from, customized premiums from Spot can be very low compared with other top insurers. Spot scored a 91 out of 100 because of its plan options and affordability, but it lost points for offering limited wellness and preventative care.

To see how Spot’s prices compare with other cheap pet insurance companies, fill out this online form with your animal’s age, species, breed, size, and location.

Spot Pros & Cons

✔ Provides a 30-day money-back guarantee
✔ Its standard plan covers exam fees
✔ Includes microchip implantation

✘ Has higher prices on plans with the unlimited annual limit
✘ Has a 14-day waiting period for both accidents and illness

Spot Pet Insurance Plans

Spot offers two coverage plans for accidents only or both accidents and illnesses. For the cheapest plan option, consider the Accident-Only Plan, but keep in mind that it has limited coverage and may leave your pet vulnerable to any illness-related emergencies. Here’s an overview of each plan:

Accident-Only Plan: This plan only covers procedures related to accidents such as injuries, swallowed objects, and toxic ingestions. Here are the customizable options available with this plan:

  • 70%, 80%, and 90% reimbursements
  • $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited annual coverage limits
  • $100, $250, $500, $750, and $1,000 deductibles

Accident and Illness Plan: This plan covers procedures related to accidents, excessive licking, tail chasing, destructive chewing, gingivitis, periodontitis, cancer, respiratory infection, diabetes, hip dysplasia, and heart disease. It also includes coverage for limited preventative services, such as annual exams and heartworm prevention. The coverage options for this plan are the same as the Accident-Only Plan.

Note: Both plans exclude any pre-existing conditions that your pet has before your policy’s effective start date or any time during the 14-day waiting period.

Learn More: Spot Pet Insurance Review


Embrace offers multiple deductible options to help customize your premium. It also offers a diminishing deductible benefit called the Healthy Pet Deductible, which credits each pet owner with $50 toward lowering their deductible each year that they don’t file a claim. This deductible can help reduce out-of-pocket costs after an unexpected injury or illness. Scoring well for affordability and plan options but losing points for lower coverage limits, Embrace received a score of 93.5 out of 100 during our review.

Compare plan prices based on your pet’s specific information and learn more about the Healthy Pet Deductible by getting a free quote through the Embrace online quote tool.

Embrace Pros & Cons

✔ Offers a 10% multi-pet discount and 5% military discount
✔ Its wellness plan reimburses 100% of costs up to the chosen amount
✔ Offers a free medical history review

✘ Doesn’t offer a high coverage maximum option
✘ Its wellness plan covers only up to $650 per year, which is lower than other providers

Embrace Pet Insurance Plans

Embrace has one standard pet insurance plan for accident and illness coverage, in addition to a wellness add-on that offers annual reward amounts to go toward certain routine vet bills. Here’s what’s included in each coverage option:

Accident and Illness Plan: This plan covers procedures such as lab tests, CT scans, surgery, hospitalizations related to cancer, chronic conditions, congenital conditions, dental trauma, genetic conditions, and emergency accidents or illnesses. These are the coverage options when choosing your premium:

  • 70%, 80%, and 90% reimbursements
  • $5,000, $8,000, $10,000, $15,000, and $30,000 annual coverage limits
  • $200, $300, $500, $750, and $1,000 deductibles

Optional Wellness Rewards for Routine Care: This add-on covers $250, $450, or $650 of preventative care per year. Preventative care includes routine veterinarian visits, microchipping, heartworm medications, spay or neuter surgery, acupuncture, vaccinations, prescription diet food, and grooming.

Note: The Optional Wellness Rewards plan is not available in Rhode Island.

Learn More: Embrace Pet Insurance Review


Pawp is a digital veterinary clinic that provides members with unlimited access to a 24/7 live vet chat and video calls for any questions or advice they may need for their four-legged companions. It also includes $3,000 of emergency coverage with each membership.

Pawp received a score of 90 out of 100, losing points for its lack of preventive care coverage and low coverage maximum.

To get in touch with a live vet, sign up for a membership with Pawp by filling out this online form.

Pawp Pros & Cons

✔ Offers 24/7 online vet services
✔ Doesn’t have deductibles or copays
✔ Pays vets directly

✘ Doesn’t offer wellness or preventative care
✘ Doesn’t have a BBB rating

Pawp Plans

Each Pawp membership comes with the Emergency Plan, which covers emergencies related to accidents and illnesses up to $3,000 per year. These emergencies can include common sicknesses, hereditary conditions, injuries, blockages, and choking. Covered procedures or vet visits must qualify as an emergency, and an official Pawp vet will verify your pet’s eligibility before you get access to the funds.

This plan excludes scheduled surgeries, regular checkups, wellness exams, preventative care, vaccinations, and pregnancy-related issues.

Pawp’s plan pays vets directly, instead of reimbursing you after a claim like other providers, which helps them stand out as a top pick.

Pawp Pet Insurance Pricing

Pawp’s pricing structure is simple. Each membership, which includes the Emergency Plan, is a flat rate of $24 per month. This price covers cats or dogs of any species, breed, or size and will cover up to six pets, so it’s a good option for anyone with multiple animals.

Learn More: Pawp Pet Insurance Review

Healthy Paws

Healthy Paws sets itself apart from the competition by offering an unlimited coverage limit at affordable rates with no per-incident, annual, or lifetime maximum payout—it will pay the amount you need, no matter what. We gave Healthy Paws a 93.5 out of 100 and recommend getting a quote to compare pricing on its comprehensive policies. For higher-quoted rates, the company will recommend other pet insurance providers that can offer you better prices.

Use the Healthy Paws online quote tool to check prices for premiums specific to your cat or dog breed.

Healthy Paws Pros & Cons

✔ Features a 30-day money-back guarantee
✔ Has a mobile app for policy management and claims
✔ Is the best value for mixed breeds

✘ Doesn’t have a wellness or preventative care plan
✘ Offers only one coverage limit option

Healthy Paws Pet Insurance Plans

This insurer sells one plan that covers procedures related to illnesses, accidents, hereditary conditions, chronic conditions, congenital conditions, and cancer. Procedures can include diagnostic treatments, X-rays, blood tests, ultrasounds, surgery, hospitalization, prescription medications, specialty care, and alternative treatments.

This plan excludes any pre-existing conditions that arise before enrollment or during the waiting period.

Healthy Paws only has one unlimited maximum payout option, but here are the choices for reimbursement percentages and deductibles to help customize your premium:

  • 70% or 80% reimbursements
  • $250 or $500 deductibles

Learn More: Healthy Paws Pet Insurance Review

Fetch by The Dodo

Fetch offers affordable pet insurance policies for dogs and cats across the country. In our review of top insurers, it scored a 91.5 out of 100 for its comprehensive accident and illness coverage that covers all the holistic care your pet may need, including homeotherapy, hydrotherapy, stem cell therapy, laser therapy, acupuncture, chiropractic care, and behavioral therapies up to $1,000.

Use this online form to get a free quote from Fetch and check prices based on your pet’s age and breed.

Fetch Pros & Cons

✔ Offers a 15% credit for policy renewals after a year of not filing a claim
✔ Has customizable pricing options with three coverage limits, deductibles, and reimbursement rates
✔ Features an online chat

✘ Doesn’t offer wellness or preventative care coverage plans
✘ Doesn’t feature a multi-pet discount

Fetch Plans

Fetch reimburses you for your pet’s procedures and treatments related to covered accidents and illnesses. It also pays for a few items that other providers don’t typically cover, such as reward money for recovering a lost pet, exam fees, sick visit fees, and boarding fees when you’re hospitalized for more than four days. Fetch doesn’t cover pre-existing conditions, elective procedures, or any preventative care.

Some covered treatments under a Fetch policy could include X-rays, CAT scans, diagnostic tests, cancer treatments, prescription medications, surgery, rehabilitation, lab tests, tooth extractions, hospitalization, specialty care, and more.

For customized pricing and coverage, you can choose from the following options when getting your Fetch quote:

  • 70%, 80%, and 90% reimbursement rates
  • $250, $300, and $500 annual deductibles
  • $5,000, $15,000, and unlimited annual coverage caps

Learn More: Fetch Pet Insurance Review

ASPCA Pet Health Insurance

Not only is ASPCA Pet Health Insurance one of the cheapest pet insurance providers on the market, offering customizable standard plans and wellness add-ons, but it also earned an 89 out of 100 in our review, proving to be the best provider for new pet parents.

If you just got your first dog or cat, you may have a lot of questions. ASPCA Pet Health Insurance aims to answer your questions with online resources that include information about each pet breed and common health conditions. It also offers a mobile app that features a unique local vet finder tool.

Get a free quote from ASPCA Pet Health Insurance by filling out this online form and answering a few questions.


ASPCA Pros & Cons

✔ Covers the cost of vet visit and exam fees, which are often excluded by competitors
✔ Includes microchip implantation coverage in its standard policies
✔ Offers an accident-only plan option for inexpensive pet insurance coverage

✘ Doesn’t offer coverage annual limit options above $10,000 per year
✘ Has a 14-day waiting period for accidents

ASPCA Pet Health Insurance Plans

Similar to Spot, ASPCA Pet Health Insurance offers a cheap accident-only plan for those who just want coverage for accidents or injuries and don’t want to pay for a more comprehensive option. None of its plans cover pre-existing conditions, elective surgeries, cosmetic procedures, or issues related to breeding or pregnancy.

You can lower your monthly premium by choosing lower reimbursement rates, higher deductibles, and lower annual coverage limits. Here are your options:

  • 70%, 80%, and 90% reimbursement rates
  • $100, $250, and $500 annual deductibles
  • $3,000, $4,000, $5,000, $7,000, and $10,000 annual coverage limits

Here’s more information about each coverage plan and wellness add-on and what they include:

  • Accident-Only Coverage
  • Complete Coverage™
  • Basic Preventative Plan
  • Prime Preventative Plan

Learn More: ASPCA Pet Health Insurance Review

Summary of the Best Cheap Pet Insurance Companies

Cheapest Overall Pet Insurance Plans

Compare Cheap Pet Insurance Providers

Provider Our Rating Monthly Price for Dogs Monthly Price for Cats
Provider Our Rating Monthly Price for Dogs Monthly Price for Cats
Lemonade 96 $21.33 $11.00
Spot 91 $39.05 $21.10
Embrace 93.5 $25.25 $13.79
Healthy Paws 93.5 $37.95 $14.03
Fetch 91.5 $40.79 $24.81
ASPCA 89 $39.94 $16.77

*Based on sample quotes for a mixed four-year-old dog, and a mixed four-year old cat in Charlotte, North Carolina, with the lowest available premium.

Our Conclusion

Of the cheap pet insurance companies, we found that Lemonade, Embrace, Healthy Paws, Spot, Pawp, and ASPCA Pet Health Insurance offer the most affordable coverage. If you’re looking for the best overall provider, consider getting a free quote from Lemonade. However, if you want high coverage limits or customizable plans, get a free quote from Healthy Paws and Spot.

Ultimately, we recommend getting quotes from a few different providers to compare plan pricing and coverage.

Frequently Asked Questions

Does pet insurance cover pre-existing conditions?

No, pet insurance doesn’t cover any pre-existing conditions that your pet has before the enrollment or waiting period of your pet insurance policy. For example, if your pet breaks a bone and you sign up for a policy immediately after, that particular injury will not be covered. However, many providers do cover hereditary, genetic, or chronic conditions, as long as there aren’t any symptoms at the time of the policy’s effective start date or during the waiting period.

What are some other cheap pet insurance providers?

We found the seven pet insurance companies listed in this review to offer the cheapest policies, but other popular pet insurance providers include Nationwide, Pets Best, Pumpkin, and Prudent Pet.

What’s the cheapest pet insurance company?

During our research, we found that Lemonade and Spot offer the cheapest pet insurance premiums. Spot offers an Accident-Only Plan that’s less than $11 per month for dogs and $7 per month for cats.

Is pet insurance cheap?

Since vet bills can be expensive for emergency and diagnostic procedures, having a trustworthy pet health insurance policy can protect you from paying excessive out-of-pocket costs. It’s also a great way to ensure that you’ll have your animal treated as quickly as possible.

What impacts pet insurance premiums?

Pet insurance rates will depend on your pet’s species, breed, size, age, and location. They can also vary based on the coverage limits, reimbursements, and deductible options you select when signing up for a policy.

For example, policies with unlimited coverage caps will be more expensive than ones with a $5,000 coverage limit per year. Most providers offer the option of 70%, 80%, and 90% reimbursements for vet bills, with the lower options decreasing your monthly premium. Higher deductibles will increase your out-of-pocket costs during a claim but lower your premium price.

What does cheap pet insurance cover?

In exchange for a monthly premium, pet health insurance companies reimburse pet parents for a percentage of their vet bills related to accidents and illnesses up to the agreed upon annual coverage maximum. Most policies cover procedures such as cancer treatments, hospitalizations, X-rays, and surgery but exclude any pre-existing conditions that your pet may have at the time of the policy start date. Many providers also exclude cosmetic procedures.

Additionally, some pet insurance companies offer additional coverage for wellness and routine care, which can include annual exams, vaccinations, blood tests, and heartworm tests.

Do pet insurance companies have vet networks?

No, pet insurance providers typically accept claims for covered vet bills from any licensed vet in the U.S., since they don’t require a direct relationship with the vet office to reimburse you for treatments and procedures.

Is pet insurance cheaper for cats or dogs?

Generally, pet insurance for cats is considerably cheaper than pet insurance for dogs, but it can vary depending on your pet’s exact breed. Some cat breeds are more expensive, such as Maine Coons, whereas some dog breeds are less expensive, such as small mixed breeds.

Other Pet Resources

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at