Cheap Pet Insurance

We've found the best cheap pet insurance providers by looking at medical coverage, pricing, reimbursement and more.
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When you think about cheap pet insurance, the first thing to evaluate is the type of coverage that's most important to you. All the companies we've gathered on this list offer excellent medical coverage for pets at affordable prices. Some stand out by offering more discounts or customization options. Another important consideration is whether you're interested in obtaining wellness coverage for routine medical procedures. The four companies we've listed are excellent places to begin research, if you're unsure which policy is best suited to you and your pet's needs.

1) Petplan USA -- Average Lowest Premium $29.16: Petplan USA offers various pet insurance policies that cover all the basics in medical treatment, as well as additional features such as reimbursement for a lost or stolen pet. Petplan policies can also be customized. By changing the amount paid for vet bills and deductibles you can get a fee that works for you. They also have some of the best and most comprehensive discounts in the industry, making it even easier to obtain great savings.  Small things like online enrollment and multiple pet discounts can help lower your monthly premium. Also, members of certain organizations are eligible for discounts. Few other companies provide as many ways to make insuring your pet easier on your pocket, and that's why Petplan is one of our top picks for cheap pet insurance. 

2) Embrace -- Average Lowest Premium $13.04: For a low monthly fee, Embrace provides one simple and comprehensive plan to cover your pet's medical needs. You can personalize your plan to fit any budget, choosing your annual maximum, deductible, and reimbursement percentage. The company also allows you to add Wellness Rewards, a flexible health savings account. Even better, once your pet is signed with Embrace, their coverage is for life, and there are no lifetime coverage limits. Embrace calculates reimbursements by subtracting the deductible and then taking off the copay, which gets customers more money back. Finally, Embrace guarantees that there are no extra or hidden fees, and they offer a variety of discounts for things like spaying/neutering, multiple pets, and military owners.

3) PetFirst -- Average Lowest Premium $16.95: Petfirst Healthcare offers excellent overall pet insurance coverage. They also have a variety of comprehensive plans to choose from. These can be broken down into Lifetime and Standard plans. There are annual limits on the Lifetime plans, and per-incident limits on the Standard policies. Each of these plans are customizable, with several options for deductibles and copays, but all of them offer solid benefits for all types of injuries and illnesses. Like other companies on this list, Petfirst gives discounts for online enrollment, multiple pets, military service, and animal care specialists.

4) PetPremium -- Average Lowest Premium $12.28: PetPremium is one of the best places to get cheap pet insurance because they offer very flexible, customizable policies. Their claim submission and reimbursement process is simple and straightforward, and can be processed completely online. PetPremium's two levels of health insurance, Accident coverage and Accident/Illness coverage, allow you to select from multiple annual limits and deductibles. These plans cover all sorts of accidents and illnesses, including hereditary and congenital conditions, and you can also add on optional preventive wellness care. PetPremium's rates are among the most competitive in the industry, and they offer up to 90% reimbursement of veterinary costs.

Top 4 Cheap Pet Insurance

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8.9 / 10
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  • Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to Unlimited
  • Choose Annual Deductible from $100-$1,000
  • 24/7 Customer Service – top rated, always available
  • Use any veterinarian in the US or Canada
  • Fast, paperless claim reimbursement via Petplan App
  • 10% Online Discount & Free Barkbox Offer
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8.5 / 10
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  • Strong Illness & Accident Coverage - Use Any Vet
  • Optional wellness plan & Rx coverage covers spay/neuter
  • Benefits limited to $15k/yr
  • Customizable Annual Deductible from $200-$1000
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7.8 / 10
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  • A+ rated with Better Business Bureau
  • Short waiting period before coverage begins
  • Hereditary, congenital & chronic conditions
  • No exam required
  • Coverage for exam fees
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5.5 / 10
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  • NEW provider, same underwriter as ASPCA
  • Reimbursement on benefit schedule (not actual bill)
  • Annual benefits limited to $3.5k/yr
  • Annual deductible & wellness available
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Comparing Cheap Pet Insurance


Coverage - 20%

Benefit Limits - 15%

Deductibles - 10%

Reimbursement Models - 10%

Claims & Service - 15%

Pricing - 15%

Enrollment - 15%

Editor's Choice
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