Jason MetzLead Editor, Insurance
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
See Full Bio
Jason MetzLead Editor, Insurance
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
See Full Bio
Written By
Jason Metz
Jason MetzLead Editor, Insurance
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
See Full Bio
Jason MetzLead Editor, Insurance
As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak...
See Full Bio
Lead Editor, Insurance
Expert Reviewed
& 1 other
Updated: Sep 1, 2024, 10:33am
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
We evaluated 12 policies and found that Pets Best and ManyPets offer the best cheap pet insurance.
For just a couple hundred dollars per year, you can find good pet insurance that covers accidents and illnesses. It’s a smart way to help offset surprise vet bills, like if your pet needs cancer treatment or surgery to remove a swallowed object. Plus, it helps with common pet health issues like upset stomachs and ear infections.
Read more
Recommended Reading
- Best Pet Insurance Companies
- Best Pet Insurance Wellness Plans For Routine Care
- Best Emergency Pet Insurance
- Compare Pet Insurance Quotes
Show Summary
- Summary: Best Cheap Pet Insurance
- Cheapest Pet Insurance Companies
- What Is the Cheapest Pet Insurance?
- How to Find Affordable Pet Insurance
- How Much Does An Average Pet Insurance Policy Cost?
- Case Study: Butter's Bloat Scare
- What Factors Affect Pet Insurance Costs?
- Is Cheap Pet Insurance Worth It?
- Methodology
- Other Pet Insurance Plans We Rated
- Affordable Pet Insurance Frequently Asked Questions (FAQs)
Summary: Best Cheap Pet Insurance
How We Chose the Best Cheap Pet Insurance
Cheapest Pet Insurance Companies
Best Overall
Pets Best
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Average cost for $5,000 coverage
$42 per month for dogs$24 per month for cats
Average cost for unlimited coverage
$48 per month for dogs$27 per month for cats
See Plans
$42 per month for dogs$24 per month for cats
$48 per month for dogs$27 per month for cats
Our Expert Take
We picked Pets Best because it has the cheapest prices for unlimited annual coverage among the companies we analyzed. We like that it combines solid basic coverage with a wide range of deductible choices to help you budget for possible claims.
Our rating is based on Pets Best’s Plus plan. For broader coverage (at a higher price), consider the Best Pet Elite plan.
More: Pets Best Pet Insurance Review
Pros & Cons
- Option to add a 24/7 pet telehealth line.
- Optional wellness plan.
- Accident coverage waiting period of only 3 days.
- Can pay your vet directly if your vet agrees.
- Doesn’t cover the vet exam fee. You’ll need to buy the Plus or Elite plan if you want that coverage.
- Does not cover alternative therapies or behavioral issues, but the Pets Best Elite plan will cover acupuncture and chiropractic care if your pet needs rehabilitation.
- 6-month waiting period for coverage of cruciate ligament issues.
Plan Details
| Coverage type | Plan details |
|---|---|
Maximum annual coverage | $5,000, Unlimited |
Reimbursem*nt choices | 70%, 80%, 90% |
Deductible choices | $50, $100, $200, $250, $500, $1,000 |
Waiting period | 3 days for accidents; 14 days for illnesses; 6 months for cruciate ligament conditions |
Age restrictions | Available for pets age 7 weeks and older; no upper age limits to buy a new policy |
Vet exam fees | Only with Plus and Elite plans |
Multipet discount | 5% |
Euthanasia or end of life expenses | Included |
Coverage details may vary by state.
More Insight
Pets Best offers fairly comprehensive plans at reasonable prices. My main clients have been happy with coverage for things like surgeries and medication.
– Dr. Sara Ochoa, veterinarian and contributor to Hound Games
Best For Reduced Waiting Periods
ManyPets
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Average cost for $5,000 coverage
Not available
Average cost for unlimited coverage
$49 per month for dogs$30 per month for cats
See Plans
Not available
$49 per month for dogs$30 per month for cats
Our Expert Take
We like ManyPets’ approach to reducing its accident and illness waiting period to 24 hours if you’re switching over from another pet insurer. ManyPets also does not have a special waiting period for orthopedic conditions like cruciate ligament issues, which can range from six to 12 months at other insurers.
More: ManyPets Pet Insurance Review
Pros & Cons
- Below average prices among the companies we evaluated.
- 24/7 pet telehealth line.
- Includes coverage for vet exam fees.
- Optional wellness plan available.
- No coverage for alternative therapies such as acupuncture, hydrotherapy or chiropractic care.
- No coverage for behavioral therapy.
- No multipet discount.
Plan Details
| Coverage type | Plan details |
|---|---|
Maximum annual coverage | Unlimited |
Reimbursem*nt choices | 70%, 80% |
Deductible choices | $500, $750 |
Waiting period | 15 days for accident and illness (or 24 hours if you’re switching over from another insurer); no special waiting periods for specific conditions |
Age restrictions | Available for pets age 8 weeks and older; upper age limit of 14 for new policies |
Vet exam fees | Included |
Multipet discount | None |
Euthanasia or end of life expenses | Included |
Coverage details may vary by state.
Great Prices for Dogs and Cats
Lemonade
4.8
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Average cost for $5,000 coverage
$34 per month for dogs$18 per month for cats
Average cost for unlimited coverage
$52 per month for dogs$28 per month for cats
See Plans
$34 per month for dogs$18 per month for cats
$52 per month for dogs$28 per month for cats
Our Expert Take
We like Lemonade’s very competitive prices for dogs and cats. But you’ll give up some perks such as a 24/7 vet telehealth line and you’ll have to pay extra if you want coverage for the vet exam fee.
More: Lemonade Pet Insurance Review
Pros & Cons
- Optional wellness plan available.
- 2-day waiting period for accident coverage.
- Has live chat for pet health questions seven days a week, 6 a.m. to 12 a.m. ET.
- No coverage for alternative or behavioral therapy.
- No coverage for stem cell treatment, prescription food or microchipping.
- 6-month waiting period for coverage of cruciate ligaments.
- No option to pay the vet directly.
Plan Details
| Coverage type | Plan details |
|---|---|
Maximum annual coverage | $5,000, $10,000, $20,000, $50,000, $100,00 |
Reimbursem*nt choices | 70%, 80%, 90% |
Deductible choices | $100, $250, $500, $750 |
Waiting period | Accident coverage begins 12:01 a.m. ET the day after you purchase your policy; 14 days for illnesses; 30 days for cruciate ligament issues |
Age restrictions | Lemonade may have upper age limits to buy a new policy depending on your pet’s breed. |
Vet exam fees | Yes, if you buy the Vet Visit Fee add-on |
Multipet discount | 5% |
Euthanasia or end of life expenses | Yes, if you buy the End-of-life and Remembrance add-on |
Coverage details may vary by state.
More Insight
I’ve compared quotes and coverage from dozens of pet insurance companies and Lemonade offers the lowest rates I’ve seen. If you want to minimize monthly payments in exchange for slightly lower coverage, Lemonade is an attractive option.
– Daniel Caughill, Co-Founder of The Dog Tale
Great for Unlimited Annual Coverage
Healthy Paws
4.7
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Average cost for $5,000 coverage
Not available
Average cost for unlimited coverage
$52 per month for dogs$25 per month for cats
See Plans
Not available
$52 per month for dogs$25 per month for cats
Our Expert Take
We like Healthy Paws for its low prices for unlimited annual coverage. But vet exam fees are not covered and pets enrolled at age 6 and older will not be covered for hip dysplasia.
More: Healthy Paws Pet Insurance Review
Pros & Cons
- 24/7 pet telehealth line.
- Pays vet directly if you make a request to Healthy Paws in advance of treatment.
- No optional wellness plan.
- Does not cover vet exam fees.
- Choices for deductibles and reimbursem*nt levels are related to the pet’s age and other factors, but Healthy Paws does not disclose the exact deductible schedule. You have to get a quote to find out your choices.
Plan Details
| Coverage type | Plan details |
|---|---|
Maximum annual coverage | Unlimited |
Reimbursem*nt choices | 50%, 60%, 70%, 80%, 90% |
Deductible choices | $100, $250, $500, $750, $1,000 |
Waiting period | 15 days for accidents and illnesses; 12 months for hip dysplasia |
Age restrictions | Available for pets age 8 weeks and older; upper age limit of 14 for new policies |
Vet exam fees | Not included |
Multipet discount | No |
Euthanasia or end of life expenses | Included |
Coverage details may vary by state.
More Insight
Healthy Paws can pay directly to the clinic, which speeds up the process for claims. Their claim turnaround is probably the fastest I have experienced. They provide good customer service as well.
– Jonathan Gonzalez, advisory board member
BEST FOR ADD-ON COVERAGE
AKC
4.6
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.
Average cost for $5,000 coverage
$48 per month for dogs$26 per month for cats
Average cost for unlimited coverage
$56 per month for dogs$33 per month for cats
See Plans
$48 per month for dogs$26 per month for cats
$56 per month for dogs$33 per month for cats
Our Expert Take
We picked AKC because you can beef up your policy with a good number of add-on coverage options, including coverage for vet fees, a wellness plan, breeding coverage for dog breeders and final respects coverage for cremation, burial and memorial expenses for your pet.
More: AKC Pet Insurance Review
Pros & Cons
- Covers curable conditions like allergies and ear infections after a 12-month waiting period.
- 2-day waiting period for accident coverage.
- 24/7 pet telehealth line.
- You’ll need to purchase an add-on for exam fee coverage. Some top competitors include this with base coverage.
- No option to pay the vet directly.
- 180-day waiting period for intervertebral disc disease and cruciate ligament conditions.
Plan Details
| Coverage type | Plan details |
|---|---|
Maximum annual coverage | $2,500, $5,000, $7,500, $10,000, $15,000, Unlimited |
Reimbursem*nt choices | 70%, 80%, 90% |
Deductible choices | $100, $250, $300, $400, $500, $750, $1,000 |
Waiting period | 2 days for accidents; 14 days for illnesses; 180 days months for intervertebral disc disease and cruciate ligament conditions |
Age restrictions | Some states require dogs be 8 weeks of age and kittens be 10 weeks of age for eligibility; newly enrolled pets age 9 and older only qualify for an accident-only plan |
Vet exam fees | Yes, if you purchase exam coverage for vet fees |
Multipet discount | 5% |
Euthanasia or end of life expenses | Yes, if you purchase final respects coverage |
Coverage details may vary by state.
Great for Short Waiting Period for Accident Coverage
Figo
4.4
Our ratings are calculated based on fees, rates, rewards and other category-specific attributes. All ratings are determined solely by our editorial team.
Average cost for $5,000 coverage
$38 per month for dogs$16 per month for cats
Average cost for unlimited coverage
$60 per month for dogs$26 per month for cats
See Plans
$38 per month for dogs$16 per month for cats
$60 per month for dogs$26 per month for cats
Our Expert Take
Figo did well in our ratings because it has low prices and only a 1-day waiting period for accident coverage—the shortest accident waiting period among the companies we analyzed.
More: Figo Pet Insurance Review
Pros & Cons
- Offers a 100% reimbursem*nt option.
- Optional wellness plan available.
- 24/7 pet telehealth line.
- Has the option to pay the vet directly if you make a request to Figo.
- You’ll have to pay extra if you want coverage for vet exam fees.
- 6-month waiting period for orthopedic problems, but can be waived if your vet signs an orthopedic conditions waiver within the first 30 days of the policy.
Plan Details
| Coverage type | Plan details |
|---|---|
Maximum annual coverage | $5,000, $10,000, Unlimited |
Reimbursem*nt choices | 70%, 80%, 90%, 100% |
Deductible choices | $100, $250, $500, $750, $1,000, $1,500 |
Waiting period | 1 day for accidents; 14 days for illnesses; 6 months for orthopedic conditions (can be waived with an orthopedic waiver within the first 30 days of the policy) |
Age restrictions | Available for pets 8 weeks and older; no upper age limit to buy a new policy |
Vet exam fees | Yes, if you purchase the Veterinary Exam Fees Powerup |
Multipet discount | 5% |
Euthanasia or end of life expenses | Included |
Coverage details may vary by state.
More Insight
Figo provides solid coverage while being simple and straightforward to use. Getting reimbursem*nts is smooth and hassle-free.
– Dr. Sara Ochoa, veterinarian and contributor to Hound Games
What Is the Cheapest Pet Insurance?
For affordable dog insurance:
- ASPCA has cheap dog insurance at $25 monthly on average for $5,000 in annual coverage, a $250 deductible and 80% reimbursem*nt level for dogs, based on our analysis.
- Pets Best has cheap pet insurance for dogs with an average monthly cost of $48 for unlimited annual coverage, a $250 deductible and 80% reimbursem*nt level.
For affordable cat insurance:
- ASPCA has cheap cat insurance at $14 monthly on average for $5,000 in annual coverage, a $250 deductible and 80% reimbursem*nt level for cats, based on our analysis.
- Healthy Paws has the cheapest cat insurance at $22 monthly on average for unlimited annual coverage, a $250 deductible and 80% reimbursem*nt level.
FEATURED PARTNER OFFER
Lemonade
Get the coverage your pet needs
Save big on tests, vaccines and essential care
Maximum annual coverage
$5,000, $10,000, $20,000, $50,000, $100,000
Reimbursem*nt choices
70%, 80%, 90%
On Lemonade's Website
Save big on tests, vaccines and essential care
$5,000, $10,000, $20,000, $50,000, $100,000
70%, 80%, 90%
How to Find Affordable Pet Insurance
Take these steps to find affordable pet insurance that’s right for you.
 | Review the Pet Insurance Policy With Your VetDiscuss the breed’s potential health issues before you buy a policy. It’s a good idea to also discuss common pet emergencies and illnesses in which a pet insurance plan can be helpful. |
 | Compare Pet Insurance PlansThe best way to find the most affordable pet insurance to compare pet insurance quotes among multiple insurers. Make sure you compare coverage details (such as annual maximum limit, and deductible type and amount) so you’re comparing plans in an apples-to-apples way. |
 | Adjust Your Deductible, Reimbursem*nt and Coverage LevelsThe details of your policy will affect your cost. For example, unlimited annual coverage costs more than a plan that provides only $5,000 of annual coverage. You can also lower costs by choosing higher deductibles and lower reimbursem*nt levels. |
 | Ask About DiscountsThe most common type of pet insurance discount is a multipet discount, which is generally between 5% to 10%. You can also find other types of pet insurance discounts such as annual pay discount, military discount and spay/neuter discount. |
Some breeds are more susceptible to certain hereditary conditions than others. Because of this, your veterinarian can identify some health concerns worth covering before your pet becomes affected.
– Dr. Randy Aroson, vet advisor at Betterpet
EXPERT TIPS
Ways to Save With Pet Insurance
Jason Metz
Insurance Lead Editor
Amy Danise
Insurance Managing Editor
Michelle Megna
Insurance Lead Editor
Buy When Pet Is Young
I recommend buying a pet insurance policy as soon as possible. If your pet develops a condition like arthritis or heart disease before you buy pet insurance, those conditions won’t be covered and you’ll have to foot the vet bill yourself.
Jason Metz
Insurance Lead Editor
Get Coverage for Vet Exam Fees
I would look for pet insurers that include coverage for vet exam fees in the base coverage. Not all insurers include this coverage. Without it, you’ll have to pay the vet exam fee for visits for accidents and illnesses.
Amy Danise
Insurance Managing Editor
Look for a 24/7 Helpline
I would consider choosing a pet insurer that offers a 24/7 vet telehealth line. If your pet gets sick in the middle of the night, the ability to talk with a vet could save you an expensive trip to the emergency room.
Michelle Megna
Insurance Lead Editor
How Much Does An Average Pet Insurance Policy Cost?
Pet insurance for a dog costs an average of $51 per month for $5,000 of annual coverage with a $250 deductible and 80% reimbursem*nt, based on our analysis of pet insurance rates. Unlimited coverage with a $250 deductible and 80% reimbursem*nt level costs an average of $76 per month.
The average pet insurance cost for cats is $27 per month for $5,000 of annual coverage with a $250 deductible and 80% deductible. Unlimited coverage with a $250 deductible and 80% reimbursem*nt level costs an average of $37 per month.
Your own pet insurance cost will depend on the type of plan you select, the annual coverage limit, deductible amount, reimbursem*nt level and other factors, such as your pet’s breed and age.
How Much Is Dog Insurance Per Month?
| Dog’s age | Pet insurance cost per month for $5,000 annual coverage, $250 deductible and 80% reimbursem*nt | Pet insurance cost per month cost for unlimited annual coverage, $250 deductible and 80% reimbursem*nt |
|---|---|---|
Puppy (3 months) | $42 | $58 |
2 years | $40 | $58 |
5 years | $52 | $80 |
7 years | $71 | $108 |
Average | $51 | $76 |
Costs are based on a plan with $5,000 annual coverage and unlimited annual coverage ($100,000 for Lemonade), a $250 deductible ($750 for dogs over age seven in several states for Healthy Paws) and 80% reimbursem*nt level for mixed breed dogs.
How Much Is Cat Insurance Per Month?
| Cat’s age | Pet insurance cost per month cost for $5,000 coverage $250 deductible and 80% reimbursem*nt | Pet insurance cost per month cost for unlimited coverage, $250 deductible and 80% reimbursem*nt |
|---|---|---|
Kitten (3 months) | $23 | $30 |
2 years | $22 | $30 |
5 years | $27 | $38 |
7 years | $35 | $50 |
Average | $27 | $37 |
Costs are based on a plan with $5,000 annual coverage and unlimited annual coverage ($100,000 for Lemonade), a $250 deductible ($750 for cats over age seven in several states for Healthy Paws) and 80% reimbursem*nt level for mixed breed cats.
Case Study: Butter's Bloat Scare
I came home from work one day and noticed Butter was in a lot of pain and screaming when he tried to relieve himself, so I rushed him to our nearest emergency vet. They diagnosed him with bloat (GDV), a life-threatening condition causing his stomach to expand to three times its normal size. I was terrified and would’ve done anything for him to get better. The total cost was around $3,000, but my pet insurance reimbursed about $2,800. I pay about $50 per month for the insurance—worth every penny!
– Casey D., California
What Factors Affect Pet Insurance Costs?
Pet insurance companies use a variety of pricing factors when setting rates, such as the factors below.
 | Type of pet: Dogs are generally more expensive to insure than cats. |
 | Pet breed: Certain breeds that are predisposed to hereditary problems (such as a French bulldog) will typically mean higher vet costs. Also, larger dogs are generally more expensive to insure. |
 | Age of pet: Older pets are more likely to require veterinary care than younger pets and are more expensive to insure. |
| Your location: The cost of vet care where you live will impact your pet insurance costs. |
 | Your coverage selections, such as annual coverage limit, deductible amount and reimbursem*nt level will affect your cost. For example, a lower deductible will result in a higher cost. |
.
Is Cheap Pet Insurance Worth It?
To find out if cheap pet insurance is worth it, we recommend looking at the pet insurance coverage benefits you want versus focusing solely on price. Our analysis found that the average price of a policy for dogs with unlimited annual coverage, a $250 deductible and 80% reimbursem*nt level is $76 per month. You can find several pet insurers that cost lower than the monthly average, but they don’t all offer the same benefits.
I recommend pet parents understand how coverage works when it comes to the pet insurance deductible. Does the plan have an annual deductible that is reset every year or is there a deductible per medical issue for life? Both have benefits, though I prefer the latter for my own pets. But most importantly, it’s best to have a plan that has unlimited illness and emergency coverage after your deductible is hit.
– Dr. Alison Mason, Advisory Board Member
For example, Lemonade pet insurance has the third cheapest rates ($52 per month) among the insurers we looked at, but you won’t find coverage for vet exam fees, or behavioral or alternative therapy included in its base coverage. That means you’ll have to pay out of pocket for these expenses. You also won’t find a 24/7 vet telehealth line with Lemonade.
If these coverage benefits are important to you, we’d recommend going with a more expensive company like Embrace pet insurance ($76 per month) that includes these benefits in its base coverage. Embrace also has a 24/7 vet telehealth line which can be invaluable if your pet gets sick in the middle of the night on a weekend.
ASK THE EXPERT
We Answer Your Questions
Jason Metz
Insurance Lead Editor
Ashlee Valentine
Insurance Editor
Penny Gusner
Insurance Senior Writer
Should I still buy pet insurance if I have an indoor cat?
Rey G., Loveland, Colorado
Pet insurance can be a smart buy for indoor cats. While indoor cats may face less risks than outdoor cats, they can still suffer from serious illnesses (like cancer and diabetes) or accidents (like swallowing an object) that could require an expensive trip to the vet.
Jason Metz
Insurance Lead Editor
Will my pet insurance policy start immediately?
Rita M., Sterling Heights, Michigan
No, a pet insurance plan will not start immediately. All pet insurers have waiting periods. But some pet insurance waiting periods are shorter than others. For example, Embrace’s accident waiting period kicks in at 12:01 a.m. ET the day after you purchase a plan. And some insurers, such as ASPCA, do not have a special waiting period for orthopedic conditions (such as cruciate ligament issues), which can range from six to 12 months at some pet insurance companies.
Ashlee Valentine
Insurance Editor
Is it true that pet insurance pays for chiropractic care?
Noah V., Chesapeake, Virginia
Yes, some pet insurance policies cover chiropractic care and other types of holistic and alternative therapy, such as hydrotherapy and acupuncture. Most pet insurers include alternative therapy in their coverage, but some companies such as ManyPets and Lemonade don’t. Other insurers offer coverage as an add-on for extra cost, such as Trupanion’s Recovery and Complementary Care package.
Penny Gusner
Insurance Senior Writer
Methodology
To find the best pet insurance, we collected data and scored each pet insurance company for several categories. Only pet insurers offering annual maximum coverage of $100,000 or Unlimited were scored, so that comparisons were fair among companies.
Average costs: 40% of score. We calculated average rates for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for policies with unlimited coverage, a $250 deductible and a 80% reimbursem*nt level, or the closest options available.
Plan benefits: 60% of score. We scored policies based on the following important features: Annual coverage choices, whether the plan can pay a veterinarian directly, access to a 24/7 vet line, availability of routine wellness coverage, whether the plan pays the vet exam fee, dental illness coverage, end of life coverage and multipet discount.
Compare Pet Insurance Plans
Get a free quote from the top pet insurance companies in the U.S.
Compare Quotes
Read more:Read more: How Forbes Advisor Rates Pet Insurance Companies
Other Pet Insurance Plans We Rated
| Company | Forbes Advisor rating for cheap pet insurance |
|---|---|
Embrace |
3.6 stars |
Prudent (Ultimate plan) |
3.3 stars |
Spot |
2.6 stars |
Chewy (Essential plan) |
1.7 stars |
Pumpkin |
1.2 stars |
Trupanion |
1.0 stars |
Compare Pet Insurance Quotes
Compare 10+ Leading Pet Insurers In Minutes
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Affordable Pet Insurance Frequently Asked Questions (FAQs)
At what age is pet insurance the cheapest?
We’ve found that the best price for pet insurance is around your pet’s first birthday until around age six, according to our analysis of pet insurance costs.
For example, a policy with unlimited annual coverage, a $250 deductible and 80% reimbursem*nt level costs $58 per month for a dog age 2. A similar policy costs $108 per month for a dog age 7.
Do cheap pet insurance companies cover routine care?
Pets Best and ManyPets are among the cheap pet insurance companies we evaluated that offer optional wellness plans for routine care. This includes wellness exams, vaccinations, and flea and heartworm prevention.
Not all pet insurers sell wellness plans as an add-on.
Is there a disadvantage to buying cheap pet insurance?
Some cheap pet insurance policies do not offer valuable coverage benefits such as a 24/7 vet telehealth line, coverage for vet exam fees or optional wellness plans.
We don’t recommend focusing solely on a pet insurance company’s price. We suggest identifying pet insurance companies that offer the coverage benefits that you want. Then you can compare pet insurance quotes among multiple companies to find the best price.
Should I buy wellness care add-ons?
If you want coverage for routine and preventative pet care, you should buy a wellness care add-on. The best pet insurance wellness plans for routine care cover expenses such as blood and fecal exams, dental cleanings, flea and tick prevention, routine wellness exams and vaccinations.
A pet insurance wellness plan is usually an added cost on top of your pet insurance plan. The average monthly cost for a pet insurance wellness plan is $24 per month for a dog and $22 for cats. For instance, if your monthly pet insurance cost for a dog is $44 per month and you buy a wellness plan for $24 per month, your total pet insurance premium will be $68 per month.
Helping You Make Smart Insurance Decisions
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Next Up In Pet Insurance
- Best Pet Insurance Companies
- Best Pet Insurance Wellness Plans For Routine Care
- Compare Pet Insurance Quotes
- Best Emergency Pet Insurance
- Best Pet Insurance For Cats And Kittens
- Best Pet Insurance For Older Dogs
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