Best Pet Insurance in Georgia of 2022

Lisa Scott

The state of Georgia is blessed with wonderful, pet-friendly sites where you can have a nice outing with family, friends, and your furry animals. However, it is always handy to be prepared in the event of an emergency when you’re out with your pets. Pet insurance is one way to ensure your pets will receive medical attention if any unforeseen situations arise like an accident or illness.

To help you find the best pet insurance in Georgia, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

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.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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

Coverage Up To

70% - 90%

Reimbursement Rates

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

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 $24, 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 $24
  • Allows coverage on 6 pets for $24 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 pet insurance worth it in Georgia?

For residents in the state of Georgia, pet insurance is a worthwhile investment. When urgent medical attention is required, it can be difficult to gather funds for an emergency surgery or treatment. This is where pet insurance is useful because you can consent to treatment and solely focus on your pet’s recovery.

Your pet may also be at risk when outdoors in the woods of Georgia. This includes wild creatures, larger pets, and ticks. If your pet is harmed by any of the following, your pet will be protected with an insurance policy. In this kind of situation, the value of purchasing pet insurance is more beneficial given veterinary prices are on the rise, which is making it harder for pet owners to keep up with unexpected care costs.

What types of pet insurance plans are in Georgia?

The following are the most common types of pet insurance policies in Georgia:

  • Accident-only plan: Accident-only coverage is suitable for situations such as being hit by a car, swallowing an object, or an animal bite. This coverage is more affordable than an accident and illness plan and is appropriate for a pet in good health but requires protection in case an unforeseen accident occurs.
  • Accident and illness plan: This is Georgia’s most popular plan, as it includes coverage for both accidents and illnesses. Hospitalizations, surgery, and medications would be covered under this plan. Many insurance providers have age restrictions for this type of policy, therefore it is recommended to insure your pet from a young age.
  • Wellness plan: This plan is meant for routine and preventative care and includes coverage for vaccinations, teeth cleaning, among other procedures. These policies are both a stand alone option or they can be added on to a pre-existing plan.
  • Comprehensive plan: With this plan, your insurer covers the cost of your veterinarian bills, hospital visits, medications, emergencies for any illness(es) or accident(s), and routine and preventative care. 

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Georgia?

In Georgia, the cost of pet insurance varies depending on the type of species you have. For example, dog insurance policies range from $24 to $86 per month, while cat insurance plans range from $9 to $30 per month. This is an approximate cost for of an accident and illness pet insurance policy.

There are also some factors that can influence the cost of pet insurance such as:

  • Age: The cost of pet insurance is also determined by your pet’s age at the time of enrollment. Health insurance for younger pets is typically less expensive whereas older pets cost more to cover.
  • Type of breed: Specific pet breeds are more prone to certain health problems, which could increase insurance costs. So, before your insurer determines your monthly premium, they inspect the breed.
  • Location: Pet insurance companies base their rates on the cost of living in your area, which has an impact on the cost of veterinarian care as well.

What are the veterinary costs in Georgia?

For a routine check-up visit, you can expect it to cost between $50 to $100, with a general exam costing roughly about the same. For a more thorough breakdown of veterinary costs, consider the following:

Veterinary ServiceCost
Exams and test$210-$260
Blood work$80-$200
Vaccines$15-$28 per shot 
Routine checks$50-$250
Dental cleaning$70-$400
Geriatric cleaning$85-$110
Treatment for wound$800-$2,500
Oxygen therapy$400-$3,000

How to choose the best pet insurance in Georgia 

When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:

  • Your pet’s specific needs: When narrowing down your plan options, keep in mind the type of species, breed, and the age of your pet. You want to ensure the policy you choose will cover the medical needs of your pet and any potential illnesses it is prone to developing in the future.
  • Compare and contrast policies: Before settling on a plan, thoroughly compare and contrast all policies you are considering. Also research if any promotional discounts are available for an insurance agency you are considering. You may gain more benefits with a plan after a promotional discount.
  • Customer reviews: Check what other customers have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.