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Best Pet Insurance in Georgia

Author Image Written by Brenda Woods Updated 04/16/2024

We reviewed and compared Georgia’s top pet insurance providers. Our guide below evaluates each company based on affordability, coverage, and customization to help you choose the best pet insurance policy for your needs. Through our research, we’ve found that the best pet insurance provider in Georgia is Lemonade for its flexible plans and affordable pricing.

If you’re a pet parent, you know that emergencies can happen in the blink of an eye. From Augusta to Columbus, pet owners in Georgia rely on their pet insurance plans to help keep vet costs down and their fur babies are well taken care of.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do GA Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$65.15 $53.43 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE
$114.73 $57.19 VISIT SITE

Georgia’s Top 7 Pet Insurance Providers

Spot: Most Customizable Plans
Embrace: Best Deductibles
Healthy Paws: Best Coverage Limits
Fetch: Best Holistic Coverage
Figo: Best Extra Coverage Add-On
Trupanion: Best for Direct Payments


Best Overall

Lemonade Pros and Cons

Pros Has a giveback program in which unclaimed premium money is donated to the charity of your choice Offers customers a 10% discount for bundling a pet insurance policy with either a renters or homeowners policy Offers lower prices than other competitors, based on our quote analysis Cons Does not cover costs related to behavioral treatment or dental illness Does not allow pets 14 and older to enroll in a new policy

Lemonade Overview

With its competitively priced plans, wide range of coverage, and mobile-friendly claims process, we rated Lemonade as the best pet insurance provider in Georgia. 

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $20,000, $50,000, $100,000

Learn more: Lemonade Pet Insurance Review

Why We Chose Lemonade

Scoring a 96 out of 100, Lemonade is our top choice for pet insurance coverage in Georgia. This provider offers affordable plans, extensive coverage, and flexible policy customizations. Sign up for a policy or file claims in minutes thanks to Lemonade’s AI technology through its website or mobile app.

You can select from five annual limits (up to $100,000) and multiple add-on packages, including wellness care, dental illness, end-of-life care, and physical therapy. Lemonade also offers several ways to save money, including a 5% discount for paying annually, a 5% multi-pet discount, and a 10% discount if you bundle your pet insurance with another Lemonade policy (homeowners or renters).


Most Customizable Plans

Spot Pros and Cons

Pros Covers exam fees for vet visits related to accidents and illnesses Covers microchipping and behavioral therapy in its base plan Offers an accident-only plan for more basic coverage Cons Doesn’t provide customer service on the weekends Has a 14-day waiting period for accidents, longer than many competitors

Spot Overview

Spot allows customers to customize their policy according to their financial needs, with two plans, five annual pet insurance deductibles, and seven annual limit options. 

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited

Learn more: Spot Pet Insurance review

Why We Chose Spot

Spot’s accident-only plan and flexible coverage options earned it a 91 out of 100. Spot offers two base coverage plans (accident-and-illness and accident-only), and seven annual coverage limits (ranging from $2,500 to unlimited).

Spot also stands out for its coverage of holistic therapies in its standard plan, including acupuncture, chiropractic care, rehabilitation therapy, and more. Contrary to many other providers, Spot will cover vet exam fees if the visit is related to an accident or illness.


Best Deductibles

Embrace Pros and Cons

Pros Has 19 years of experience in the pet insurance industry Offers a free medical history review after enrollment Provides a 10% discount when you enroll multiple pets Cons Caps annual coverage at $30,000, which is lower than competitors Has expensive wellness care add-ons

Embrace Overview

Embrace stands out for its Healthy Pet Deductible, in which your deductible reduces by $50 every year you don’t file a claim. 

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Pet Insurance review

Why We Chose Embrace

We scored Embrace 93.5 out of 100 due to its multiple annual deductible options and Healthy Pet Deductible. Each year policyholders do not file a claim, Embrace will reduce its deductible by $50 (which could eventually bring it down to $0).

Embrace guarantees coverage for any illness, as long as it is not a preexisting condition. No pet insurance companies will cover preexisting conditions; however, Embrace distinguishes between curable conditions (vomiting, diarrhea, infections) and incurable (allergies, diabetes, chronic skin disease). Embrace will cover curable preexisting conditions if your pet is without symptoms or treatments for one year.

Healthy Paws

Best Coverage Limit

Healthy Paws Pros and Cons

Pros Offers a 30-day money-back guarantee Processes most claims within 48 hours Supports homeless animals and their medical care with each new enrollment Cons Does not offer a wellness care add-on Has fewer options for customization than other providers on this list

Healthy Paws Overview

Healthy Paws is a top choice for pet parents seeking unlimited coverage to curb out-of-pocket expenses. 

  • Deductibles: $250 or $500
  • Reimbursement options: 70% or 80%
  • Maximum coverage limits: Unlimited coverage

Learn more: Healthy Paws Pet Insurance review

Why We Chose Healthy Paws

With more than 12 years in the pet insurance business, Healthy Paws scored 93.5 out of 100 for its standard accident-and-illness policy with unlimited annual coverage. This means that all veterinary bills will be covered each year, no matter the total cost.

Healthy Paws covers alternative treatments such as chiropractic care, laser therapy, herbal therapy, and physical therapy. It also covers specialist care, including visits to oncologists, radiologists, and cardiologists. Pet owners can submit their claims through a mobile app, with the typical processing time averaging around 48 hours.

Fetch Pet Insurance

Best Holistic Coverage

Fetch Pros and Cons

Pros Offers discounts to customers who have rescued or adopted their pet(s) Offers the most comprehensive dental benefits of the providers on this list Reimburses for virtual veterinary care (up to $1,000) Cons Does not offer a wellness care plan Has a 15-day waiting period for accidents and illnesses

Fetch Overview

Fetch Pet Insurance made our list for its alternative care coverage that many providers exclude from their base plan. 

  • Deductibles: $250, $300, $400
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $15,000

Learn more: Fetch Pet Insurance Review

Why We Chose Fetch

Scoring 91.5 out of 100, Fetch is a suitable choice for pet owners in Georgia who want holistic care. Fetch covers alternative therapies in its base plan, including acupuncture, chiropractic care, naturopathy, stem cell therapy, and more.

Fetch also stands out for its comprehensive dental coverage, covering every tooth for disease and injury, which many other providers do not. Further, Fetch’s Healthy Pet Credit gives policyholders a 15% discount on their monthly premium if they do not file a claim in one year.


Best Extra Coverage Add-On

Figo Pros and Cons

Pros Gives a 100% reimbursement option, not offered by any competitors Has a one-day waiting period for accidents Has comparatively lower rates for senior pets Cons Does not cover pets younger than 8 weeks old Requires an annual vet/dental exam to stay eligible for coverage

Figo Overview

Pet owners who require additional wellness add-ons and/or extra care coverage should look to Figo. 

  • Deductibles: $100, $250, $500, $750
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance review

Why We Chose Figo

Figo scores a 93 out of 100 for its “powerups” (or add-ons) that provide extra care coverage to your base plan. Figo offers three base plans with three different annual coverage options (one being unlimited). It also offers three add-ons, including:

  • Wellness Care: Covers bloodwork, microchip implantation, vaccinations, spay/neuter surgery, and other routine care services
  • Vet Exam Package: Covers exam fees associated with diagnosing and treating your pet for an accident or illness
  • Extra Care Package: Covers unique situations for pet owners, such as third-party property damage liability (up to $10,000), advertising/reward for a missing pet, end-of-life related fees, and emergency boarding costs


Best for Direct Payments

Trupanion Pros and Cons

Pros Covers pets from birth Gives 24/7 customer service access Provides unlimited coverage Cons Does not offer a wellness plan Limited customization options

Trupanion Overview

Trupanion stands out from the pack with its vet direct pay feature. This means pet owners only need to pay their portion of the bill at checkout. 

  • Deductibles: Customers choose a per-condition deductible between $0 and $1,000 (in $5 increments)
  • Reimbursement options: 90%
  • Maximum coverage limits: Unlimited coverage

Learn more: Trupanion Pet Insurance review

Why We Chose Trupanion

Trupanion scored 89.5 out of 100 for offering vet direct payouts, unlike other providers that reimburse you later. Trupanion will pay its percentage directly to your licensed veterinarian so you’re only responsible for your portion of the bill.

In addition, Trupanion provides one accident-and-illness policy with a 90% reimbursement rate and unlimited coverage for all policyholders. Trupanion’s deductible is per condition (not annual) and allows pet owners to set their deductible amount anywhere between $0 and $1,000. With a $0 deductible, your premium will be higher, but Trupanion will begin covering your vet bills immediately.

What Does Pet Insurance Cover and Not Cover?

An accident-and-illness policy is the most common coverage available. It covers the care, procedures, and treatments associated with the injury or sickness your pet may suffer from, including:

  • Diagnostic testing (CT scans, X-rays, labwork)
  • Hospitalization
  • Mobility devices
  • Prescription medications
  • Procedures (surgeries, chemotherapy, emergency care)

Some providers may also cover microchipping, behavioral therapy, and alternative therapies (such as chiropractic care, acupuncture, homeopathy, and physical therapy).

In addition to common accidents and injuries (such as vomiting or diarrhea), the following are typically covered:

  • Chronic conditions (allergies, arthritis, kidney disease)
  • Hereditary/congenital conditions (hip dysplasia, epilepsy, degenerative diseases)
  • Major injuries (Bite wounds, toxic ingestions, broken bones)
  • Severe illnesses (cancer, heart disease, diabetes)

Some providers also offer an accident-only plan, which, while much more cost-effective than the accident-and-illness plan, will only cover the care and treatments associated with an accident. 

Standard pet insurance policies do not cover preventive care. If you want wellness care, you must purchase a wellness add-on. These benefits require an extra monthly fee and cover routine services such as vaccinations, spay/neuter surgery, and flea, tick, and heartworm prevention.

There are certain conditions and procedures that providers exclude from coverage. No pet insurance plan will cover a preexisting condition, which is an injury or illness your pet had before enrollment (including the waiting period). Cosmetic or elective surgeries, grooming, and breeding are also excluded. Many pet insurance companies have a sample policy on their website so you can learn more about the specifics of what they will and will not cover.

Several companies, including Lemonade, Spot, and Embrace, will distinguish between a curable and incurable preexisting condition. If your pet was previously diagnosed with a curable preexisting condition, it may be covered in the future if they’ve gone an extended period without symptoms or treatment.

Is Pet Insurance in Georgia Worth it?

Yes, in most cases, we’ve found that pet insurance is worth it in Georgia due to the added security and peace of mind. Whether you’re hiking with your dog through Whitewater Creek Trail in Atlanta or playing with your kitten in the comfort of your home, pet parents should have peace of mind when it comes to their companion’s health.

We recommend Lemonade as the top pet insurance provider if you’re looking for an affordable plan with flexible coverage options. However, Spot or Figo might be a more practical option if you want flexible customization and unlimited coverage. We recommend getting quotes from multiple Georgia pet insurance providers to ensure you’re choosing the best pet insurance policy for your needs.

FAQs About Georgia Pet Insurance

Is pet insurance in Georgia worth it?

Yes, pet insurance is worth it, especially if you’d like the peace of mind that your pet and your wallet are protected if an accident or illness should occur. Most pet insurance companies reimburse pet parents between 70% and 90% of their vet bills, which helps alleviate financial burden and allows you to focus solely on the health of your faithful friend.  

How much does pet insurance cost in Georgia?

The average cost of monthly pet insurance premiums can range anywhere from $15 to $100. Several factors affect this cost, such as your pet’s age, breed, and location. Based on several quotes we retrieved, on average, pet parents in Georgia can expect their monthly cat insurance premiums to be between $15 and $30, and monthly dog insurance premiums to be between $30 and $50. 

How does pet insurance work in Georgia?

Health insurance works differently for pets than it does for humans. If your pet needs to visit a veterinarian or the emergency room, you pay the bill for their care upfront. Afterward, you submit a claim to your pet insurance provider and they reimburse you a percentage of the cost. Like our health insurance, deductibles must be hit before reimbursement kicks in.

Our Rating Methodology

We are 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.

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