Emergency treatments for your pet often cost $1,000$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 when your beloved furry friend gets sick or injured. An affordable pet insurance policy can minimize these costs and give you peace of mind that your pet will receive care.

The This Old House Reviews team researched the top pet insurance companies, reviewing their reputations, customer service, plan options, cost, and coverage. We found that many of the top pet insurance providers offer cheap but quality policies. Here are our top picks.

Top 7 Cheapest Pet Insurance Companies


  • Lemonade: Best Overall
  • Spot: Most Customizable Plans
  • Embrace: Best Deductibles
  • ASPCA Pet Health Insurance: Best for New Pet Owners
  • Healthy Paws: Best Coverage Limit
  • Fetch: Best Holistic Coverage
  • Pawp: Best for Multiple Pets







Lemonade: Best Overall

We rated Lemonade Best Overall 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 get a quote, sign up for a policy, and file claims.

Lemonade 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.

Lemonade Pros & Cons

Pros Offers customers a discount for paying annually Donates customers’ leftover premiums to charities Has a short waiting period of 48 hours for accidents
Cons 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 plus three add-ons for wellness and additional coverage. Like many competitors, it excludes elective procedures, behavioral treatments, and preexisting conditions from its policies. It also 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 accidents and injuries.

Coverage options include:

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

Available add-ons

  • Preventive care
  • Vet visit fees
  • Physical therapy

Get a quote: Fill out Lemonade’s simple online form to get a quote.

Learn more: Lemonade Pet Insurance review



Spot: Most Customizable Plans

Spot offers customizable coverage with six coverage limit options, three reimbursement options, and five annual deductibles. These options allow you to keep your premiums very low compared to competitors. Spot scored a 91 out of 100 because of its plan options and affordability but lost points for offering limited wellness and preventive care.

Spot Pros & Cons

Pros Provides a 30-day money-back guarantee Its standard plan covers exam fees Includes microchip implantation
Cons 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: one for accidents only and one for accidents and illnesses. The accident-only plan is cheapest, but keep in mind that it has limited coverage and may leave your pet vulnerable to 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 preventive services, such as annual exams and heartworm prevention. The customizable options for this plan are the same as the accident-only plan.

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

Get a quote: Fill out Spot’s online form with your animal’s age, species, breed, size, and location.

Learn more: Spot Pet Insurance review



Embrace: Best Deductibles

Embrace offers multiple deductibles to customize your premium. It also offers a benefit called the Healthy Pet Deductible, which credits you $50 toward lowering your deductible each year that you don’t file a claim. We scored Embrace 93.5 out of 100 for its affordability and plan options. It lost points for its lower coverage limits.

Embrace Pros & Cons

Pros 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
Cons 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 plan for accident-and-illness coverage plus a wellness add-on that offers annual reward amounts for 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 preventive care per year. Preventive 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.

Get a quote: Use Embrace’s online quote tool.

Learn more: Embrace Pet Insurance review



ASPCA Pet Health Insurance: Best for New Pet Owners

ASPCA Pet Health Insurance is one of the cheapest pet insurance providers available, offering customizable standard plans and wellness add-ons. We found it to be the best provider for new pet parents, scoring an 89 out of 100 in our review.

New pet owners may have a lot of questions about care for their dog or cat. ASPCA Pet Health Insurance aims to answer your questions by providing online resources with information about each pet breed and common health conditions. It also offers a mobile app with a unique local vet finder tool.

ASPCA Pros & Cons

Pros 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
Cons 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 preexisting 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 preventive plan
  • Prime preventive plan

Learn more: ASPCA Pet Health Insurance review



Healthy Paws: Best Coverage Limit

Healthy Paws sets itself apart from competitors 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. It also recommends other pet insurance providers if your quoted premium is higher than usual. For these reasons, we rated the provider 93.5 out of 100.

Healthy Paws Pros & Cons

Pros Features a 30-day money-back guarantee Has a mobile app for policy management and claims Is the best value for mixed breeds
Cons Doesn’t have a wellness or preventative care plan Offers only one coverage limit option

Healthy Paws Pet Insurance Plans

Healthy Paws has 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 preexisting 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

Get a quote: Use Healthy Paws’ online quote tool to check prices for premiums specific to your cat or dog breed.

Learn more: Healthy Paws Pet Insurance review



Fetch by The Dodo: Best Holistic Coverage

Fetch offers affordable pet insurance policies and comprehensive accident-and-illness coverage, including holistic care such as homeotherapy, hydrotherapy, stem cell therapy, laser therapy, acupuncture, chiropractic care, and behavioral therapies up to $1,000. We scored it 91.5 out of 100.

Fetch Pros & Cons

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

Fetch Plans

Fetch covers 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 preexisting conditions, elective procedures, or preventive care.

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

You can choose from the following options to customize your Fetch coverage:

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

Get a quote: Use Fetch’s online quote form.

Learn more: Fetch Pet Insurance review



Pawp: Best for Multiple Pets

Pawp is a digital veterinary clinic that provides members with unlimited access to a 24/7 live vet chat and video calls for questions or advice. 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.


Pawp Pros & Cons

Pros Offers 24/7 online vet services Doesn’t have deductibles or copays Pays vets directly
Cons 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, preventive 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.

Learn more: Pawp Pet Insurance review



Cheapest Overall Pet Insurance Plans

ProviderOur Rating (Out of 100)Monthly Price for DogsMonthly Price for Cats
Healthy Paws93.5$37.95$14.03

*Based on sample quotes for a mixed 4-year-old dog, and a mixed 4-year old cat in Charlotte, North Carolina, with the lowest available premium.



Our Conclusion

Based on the cheap pet insurance companies we reviewed, Lemonade, Embrace, Healthy Paws, Spot, Pawp, and ASPCA Pet Health Insurance offer the most affordable coverage. Consider getting a free quote from Lemonade if you’re looking for the best overall provider. Request a free quote from Healthy Paws or Spot if you want high coverage limits or customizable plans.

We recommend getting quotes from a few different providers to compare plan pricing and coverage.

Frequently Asked Questions About Cheap Pet Insurance

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 reviews@thisoldhousereviews.com.