7 Cheapest Pet Insurance For Dogs In 2023

If you have a dog or dogs which you want to insure, I know you may probably be searching for the cheapest pet insurance for dogs so as to opt-in to an insurance plan with them, this article will guide you on how to find the cheapest pet insurance to get started.

You can’t predict when a dog will become ill or injured, but you know it could happen anytime. Pet insurance safeguards your finances by covering unexpected vet bills for your pet.

Continue reading to learn more about the cheapest pet insurance for dogs mentioned in this article.

Cheapest Pet Insurance For Dogs

What Is Pet Insurance?

Pet health insurance is a policy that can be purchased for your dog’s health. Having good pet insurance gives you peace of mind that you can afford the best care for your pet in the event of a costly accident or illness.

While many people try to compare pet medical insurance to human health insurance, it’s actually more like car insurance – it’s there to protect you financially if something unexpected happens.

Just as your car insurance does not cover routine maintenance or accidents that occurred prior to purchasing the policy, most pet insurance policies do not cover routine care costs or pre-existing conditions.

How Does Pet Insurance Work?

Pet insurance works on a reimbursement basis. That is, when you take your dog to the vet for an injury or illness, you pay the vet bill at the time of service and submit a reimbursement claim. You are free to use any licensed veterinarian you want because of this reimbursement-based model.

Most pet insurance policies, like car insurance, include:

  • A deductible.
  • Reimbursement percentage or copay
  • Annual or per-incident maximum
  • Waiting periods

The Functions of a Pet Insurance Company for Dogs

Pet health insurance policies are primarily intended to cover accidents and illnesses. For an additional fee, a few companies provide additional coverage for routine vaccinations and other routine care, such as dental cleanings.

Pre-existing conditions are not covered under pet insurance policies.

What to look out for while Choosing a Pet Insurance Company

There are numerous pet insurance companies available. Furthermore, each company provides a variety of policy options.

Here are some important considerations to make when selecting a pet insurance provider. Keep in mind to consider more than simply the cost of the monthly payment. There’s often a tradeoff between the comprehensiveness of the coverage and the cost of insurance.

When selecting a pet insurer, owners must take into account important factors like monthly premium costs, coverage limitations (and exclusions), and out-of-pocket expenses. It is crucial to take into account the insurer’s track record of managing claims.

7 Cheapest Pet Insurance For Dogs

below we have listed the 7 cheapest pet insurance for dogs you can consider, and they include the following:

#1. LEMONADE: Best Overall

The company’s affordable costs, substantial coverage limits, wellness benefits, and other coverage add-ons impressed us, which is why we gave it the best overall rating. Additionally, Lemonade offers a user-friendly mobile app with AI technology that enables you to quickly obtain a quote, apply for coverage, and submit claims.

Lemonade primarily lost points for its C rating on the Better Business Bureau (BBB), which is lower than many competitors. Despite the fact that there were a lot of complaints, we found that most of them were about Lemonade’s other insurance plans, such as renters’ insurance and homeowners insurance, rather than pet insurance, which is why it obtained this rating.


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


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

#2. ASPCA Pet Health Insurance: Best for New Pet Owners

ASPCA Pet Health Insurance is not only one of the most affordable pet insurance companies in the market, offering customized standard plans and wellness add-ons, but it also received an 89 out of 100 in our study, proving to be the finest option for new pet parents.

The ASPCA Pet Health Insurance intends to provide answers to your inquiries through online tools that include information about each pet breed and prevalent health conditions. It also has a mobile app with a unique local vet finder tool.


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


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

#3. SPOT: Most Customizable Plans

Spot’s customizable premiums can be quite affordable when compared to other prominent insurers, with six coverage limit options, three reimbursement alternatives, and five annual deductibles to pick from.

The spot received a 92 out of 100 for its plan alternatives and price, but it was penalized for providing little wellness and preventative care.


  • It provides a 30-day money-back guarantee
  • The standard plan covers exam fees
  • Includes microchip implantation


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

#4. Fetch by The Dodo: Best Holistic Coverage

Fetch provides low-cost pet insurance packages for dogs and cats all throughout the country. It received a 91.5 out of 100 in our review of top insurers for its comprehensive accident and illness coverage, which covers all holistic care your pet may require, including homeotherapy, hydrotherapy, stem cell therapy, laser therapy, acupuncture, chiropractic care, and behavioral therapies up to $1,000.


  • It offers a 15 percent credit for policy renewals after a year of not filing a claim
  • It Has customizable pricing options with 3 coverage limits, deductibles, and reimbursement rates
  • It Features an online chat


  • It Does not offer wellness or preventative care coverage plans
  • Does not feature a multi-pet discount


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#5. Embrace: Best Deductibles

Embrace provides a variety of deductible alternatives to help you tailor your premium. It also provides a declining deductible benefit known as the Healthy Pet Deductible, which awards each pet owner $50 toward lowering their deductible for each year they do not submit a claim.

This deductible can assist in lowering out-of-pocket expenses following an unforeseen injury or illness. Embrace scored a score of 93.5 out of 100 throughout our evaluation, scoring well for the price and plan alternatives but losing points for lower coverage limits.


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


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

#6. Pawp: Best for Multiple Pets

Pawp is a digital veterinarian clinic that gives users unrestricted access to live vet chat and video conversations 24 hours a day, seven days a week, for any queries or advice they may need for their four-legged pets. Each membership also gets $3,000 in emergency coverage.

Pawp scored a 90 out of 100, with points deducted for lack of preventative care coverage and a low coverage maximum.


  • It Offers 24/7 online vet services
  • It Does not have deductibles or copays
  • It Pays vets directly


  • It Does not offer wellness or preventative care
  • It Does not have a BBB rating

#7. Healthy Paws: Best Coverage Limit

Healthy Paws is one of the cheapest pet insurance for dogs, and it distinguishes itself from the competition by providing an unlimited coverage limit at reasonable rates with no per-incident, annual, or lifetime maximum payout—it will pay the amount you require, no matter what.

We gave Healthy Paws a score of 93 out of 100 and recommended requesting a quote to compare prices on its comprehensive coverage. For higher-quoted rates, the organization will refer you to other pet insurance providers who can supply you with lower rates.


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


  • It Doesn’t have a wellness or preventative care plan
  • It only offers one coverage limit option


How much should you spend on pet insurance dog?

According to the North American Pet Health Insurance Association, the average monthly cost of pet insurance for dogs is $50 and $28 for cats for policies that cover both accidents and illnesses.

What does pet insurance typically cost?

The cost of pet insurance varies substantially. Monthly rates can range from $10 to more than $100, but most pet owners can expect to pay between $30 and $50 per month for a plan that provides adequate coverage.

Is it worth it to take pet insurance?

Every pet owner should think about pet insurance. Even if you believe you have sufficient funds to pay veterinary expenses, pet insurance might save you thousands of dollars if your pet becomes ill or injured. Without insurance, your out-of-pocket expenses could quickly build up, especially if you have many dogs.

Should I get pet insurance before going to the vet?

I strongly advise getting pet insurance BEFORE bringing your pet in for an exam. Owners who have pet insurance, in my experience, may make decisions based on projected prognosis rather than an expense because they know that some or all of the veterinarian care is covered.

Does pet insurance start immediately?

While the waiting time for each pet health insurance plan differs in length, it is typical for insurance coverage not to begin immediately after purchase. This is due to the fact that no insurance provider wants pet owners to purchase coverage just after their animal exhibits signs of a health issue.

Can you get pet insurance after a diagnosis?

You can, but most conventional plans will not cover any pre-existing medical issues. If you want coverage for any medical conditions your pet has, you’ll need to find a specialized insurer. Pet insurance is still available from standard pet insurers.

How does pet insurance find out about pre-existing conditions?

Yes! Medical records are required by pet insurance firms in order to enroll any pet in a policy. These organizations use teams of veterinary specialists who are qualified to analyze your pet’s medical records to assess whether or not your pet has any pre-existing medical issues.


Pet insurance might help you save money on vet bills. While the cost of coverage varies by the insurance carrier, you should budget at least a few hundred dollars each year to cover your pet for accident and illness-related issues such as a torn ligament or heart disease.

You can learn more from the video below:

About Author

Cheapest Pet Insurance For Dogs
Precious Ejimofor
My name is Precious Ejiofor, I am a professional self motivated, dependable writer and editor, with over 4 year of experience in writing for variety of business and platforms. I am able and capable to write on any kind of topic.
Specifically, I focus on producing persuasive and compelling contents that is thoughtful, prominent, and engaging.

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