Cheapest Pet Insurance Rates
Discover 3 deals available this month.
1.Spot Pet Insurance
Spot Pet Insurance offers some of the lowest average premiums in the US, with rates around $13/month for cats and $26/month for dogs. It provides customizable coverage options available nationwide.
View Deal →At affordable prices, Spot Pet Insurance delivers broad coverage options that can be tailored to fit different pet needs across all 50 states. Its combination of low rates and flexibility makes it a practical choice for many pet owners.
Pros:
- Among the lowest national average premiums for both cats and dogs
- Highly customizable coverage plans
- Available in all 50 states nationwide
Cons:
- No specific mention of wellness coverage or add-ons
- Limited details on claim processing speed or customer service
- Pricing information is general and may vary by location or pet
2.Pets Best
Pets Best offers some of the cheapest pet insurance plans in the U.S. in 2026, with average premiums in the low $20s per month and options for accident-only, accident-and-illness, plus wellness add-ons. Coverage is available nationwide with flexible deductibles.
View Deal →Pets Best stands out for affordable, customizable coverage across all states, making it a solid choice for budget-conscious pet owners seeking flexibility. Its pricing and broad plan options appeal to those wanting to tailor insurance to their pet’s needs without breaking the bank.
Pros:
- Consistently among the cheapest pet insurance plans nationally
- Flexible deductibles and customizable coverage options
- Offers accident-only, accident-and-illness, and wellness add-ons
- Available in all U.S. states
Cons:
- Average premiums are higher than some ultra-low-cost competitors
- Wellness coverage requires additional add-ons, increasing total cost
- No specific pricing discounts or deals mentioned
3.Lemonade Pet Insurance
Lemonade Pet Insurance offers low-cost plans primarily for younger pets, with national average premiums ranging from the high teens to mid-$20s per month. It provides strong policy customization and is available in much of the U.S. market.
View Deal →Lemonade stands out for pet owners seeking budget-friendly options for younger animals combined with customizable coverage across many U.S. states. Its pricing is competitive, especially when compared to other insurers offering broader coverage.
Pros:
- Affordable premiums for younger pets, generally in the high teens to mid-$20s monthly range
- Strong options for customizing coverage to fit individual needs
- Available in a wide portion of the U.S. market
Cons:
- Pricing may be less competitive for older pets
- Coverage availability is not nationwide, limited to much but not all of the U.S.
- Limited information on wellness or accident-only plan options compared to some competitors
Final Words
To secure the best pet insurance rates this January, take time to compare options from providers like Spot Pet Insurance, Pets Best, and Lemonade to find a plan that fits your budget and your pet’s needs. You can explore current offers and customize coverage to ensure you get the most value for your investment.
Frequently Asked Questions
Spot Pet Insurance offers some of the lowest average premiums nationwide, with rates around $13 per month for cats and $26 per month for dogs. Their plans are highly customizable and available across all 50 states.
Yes, Spot Pet Insurance provides coverage options that are available in all 50 states, making it accessible no matter where you live in the US.
Spot Pet Insurance stands out due to its low average premiums and customizable coverage options, allowing pet owners to tailor plans according to their needs while keeping costs low.
On average, cat insurance premiums are lower, with Spot Pet Insurance offering rates around $13 per month for cats compared to $26 per month for dogs. Prices can vary based on the insurer and coverage selected.
Spot Pet Insurance, Pets Best, and Lemonade Pet Insurance all provide customizable plans with options like accident-only coverage, illness, and wellness add-ons to suit different pet care needs.
Yes, Lemonade Pet Insurance is known for offering low-cost plans specifically for younger pets, with national averages ranging from the high teens to mid-$20s per month.
