Best Pet Insurance in Georgia

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

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).

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

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.

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

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 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

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 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

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.

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

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

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

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.