Best Cheap Puppy Insurance Plans of October 2021

Lisa Scott

The earlier you sign your puppy up for insurance coverage, the easier it will be to find an affordable, reasonable plan that helps you prepare for the unexpected and expensive vet costs. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $19, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $19
  • Allows coverage on 6 pets for $19 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is cheap puppy insurance worth it?

When your dog is a puppy, it may seem too early to look into puppy insurance coverage. Oftentimes, puppies are young and healthy, and illnesses seem far away. However, considering puppy insurance early on in your dog’s life is a great way to secure a reasonable coverage price and give you peace of mind for any potential medical issues during their puppy years and beyond.

Puppy insurance can help significantly reduce the long-term costs of any accident or illness treatment. Though most puppies are pretty healthy when they are young, planning for the unexpected can save you a lot of money and ensure you are able to get your dog the help it needs.

Getting puppy insurance early on in your dog’s life will help you avoid any barriers to coverage based on your dog’s age or long-term medical conditions. Many providers have rules around what types of pre-existing conditions they cover. Additionally, there is typically an age cap associated with coverage for older dogs.

Overall, it is a smart decision that helps you prepare for your puppy’s whole life. Getting your pet insurance early on will help you avoid these barriers to entry, and ensure your puppy is covered for any medical treatments they may need throughout their life.

What does puppy insurance cover?

Typically, puppy insurance covers a range of illnesses and injuries. Each insurance provider varies in terms of what procedures and treatments they will cover, as well as their policies around pre-existing conditions.

  • Accident only: These plans cover injuries and treatments associated with those injuries. This usually includes broken bones, bites or torn ligaments from other animals, and other accident-related ailments.
  • Illness only: These plans cover illnesses your puppy may be diagnosed with. Younger puppies are often susceptible to ear or urinary tract infections, which are often covered by these plans.
  • Accident and illness: This combination plan covers issues related to both injuries and illnesses.
  • Wellness plan: These plans include costs related to routine vet visits, with coverage for check-ups and necessary vaccines.

Insurance providers will offer different types of coverage options for these plans, and some may have additional add-ons included in their plan to offer specific coverage for things like wellness visits, medicine costs, and more.

Before you choose your insurance plan, be sure to look into the plan’s details surrounding reimbursement. Providers vary in what percentage they reimburse puppy owners for their veterinary costs.

How are puppy insurance premiums determined?

Different details about your puppy come into play to determine your monthly premium for insurance.

  • Breed: The breed of your puppy is important when it comes to determining how much you will pay per month. Breeds that are more susceptible to long-term illnesses or have shorter lifespans will often result in higher monthly costs.
  • Size: The average size of your puppy after it fully grows will factor into your monthly premium. Larger dogs typically cost more monthly to cover.
  • Pre-existing conditions: If your puppy has been diagnosed with any pre-existing conditions, if they are covered by your insurance provider, they will often add more to your overall cost.
  • Insurance policy details: Depending on what your insurance plan offers, your monthly premium can range significantly. Your co-pay, deductible, and any add-ons associated with your overall coverage plan will contribute to your determined monthly premium.
  • Multiple pets: If you already have a pet, you may be eligible to bundle your insurance plan to cover multiple animals. Most providers offer a discount for plans that cover more than one pet, resulting in you paying less money per single pet.

How to choose the best cheap puppy insurance plan?

To choose the best insurance for your puppy, you will want to keep a few things in mind:

  • Decide what your pet needs: Depending on your puppy’s breed, pre-existing conditions, and other critical health details, you will need specific coverage in your overall insurance plan. If your dog’s breed tends to develop certain medical conditions or is more susceptible to certain kinds of injuries or illnesses, you will want to ensure your insurance covers the necessary procedures to treat these potential issues.
  • Compare different coverage options: As you are searching for the right insurance option, you will want to compare and contrast different plans and what they have to offer. Take a look at what each has to offer in terms of overall coverage, deductibles, copay costs, and other details.
  • Check their credibility: Be sure to confirm your insurance provider is reputable and trustworthy. Take a look at the reviews of existing customers who have taken advantage of the plans you are considering for your puppy. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.