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Top Companies for Cheap Pet Insurance for 2020

When looking for companies to buy pet insurance from, sometimes you just want to look at the price. While there are plenty of features to consider, like annual limits, deductibles, and what’s covered under each plan, below we outlined the cheapest pet insurance companies by comparing price alone. So if you’re looking for cheap pet insurance and just want to consider the price, below are several helpful charts. 

In order to find the cheapest pet insurance, we took the 12 largest and most well-known companies and got quotes from each. The quotes we compared included:

  • Three different locations: California, Texas and Florida
  • Two different breeds: A breed on the more small/medium size (a Labrador Retriever) and a larger breed (a German Shephard) 
  • Two separate ages: A 1-year-old dog and a 5-year-old dog

To keep things even, we also looked at the highest deductible amount for each company. From there, we compared which companies come up with the cheapest prices and rated the lowest-priced seven companies.

>>MORE: Compare the 4 Biggest Pet Insurance Companies

Cheapest Pet Insurance Companies for 1-year-old Small Dogs

  1. Pets Best Pet Insurance: $33/month
  2. Healthy Paws: $36/month
  3. AKC Pet Insurance: $37/month
  4. Embrace Pet Insurance: $38/month
  5. Figo Pet Insurance: $41/month
  6. 24petwatch Pet Insurance: $44/month
  7. PetPlan Pet Insurance: $47/month

Cheapest Pet Insurance Companies for 1-year-old Large Dogs

  1. Pets Best Pet Insurance: $33/month
  2. Healthy Paws: $36/month
  3. AKC Pet Insurance: $40/month
  4. Embrace Pet Insurance: $41/month
  5. ASPCA Pet Insurance: $44/month
  6. 24petwatch Pet Insurance: $47/month
  7. PetFirst Pet Insurance: $52/month

>>MORE: How Much Does Pet Insurance Cost?

Cheapest Pet Insurance Companies for 5-year-old Small Dogs

  1. Pets Best Pet Insurance: $44/month
  2. AKC Pet Insurance: $49/month
  3. Healthy Paws Pet Insurance: $51/month
  4. ASPCA Pet Insurance: $58/month
  5. Figo Pet Insurance: $59/month
  6. Embrace Pet Insurance: $59/month
  7. 24petwatch Pet Insurance: $62/month

Cheapest Pet Insurance Companies for 5-year-old Large Dogs

  1. Pets Best Pet Insurance: $45/month
  2. Healthy Paws Pet Insurance: $51/month
  3. AKC Pet Insurance: $53/month
  4. ASPCA Pet Insurance: $53/month
  5. 24petwatch Pet Insurance: $66/month
  6. PetFirst Pet Insurance: $67/month
  7. Hartville Pet Insurance: $70/month

>>MORE: Is Pet Insurance Worth It?

Cheapest Pet Insurance Companies by States

We also compare the quotes of these companies by three biggest states: California, Texas, and Florida. You can see our cheap pet insurance results below by states, listed by company and price: (comparing monthly premiums)

By State1-year-old small5-year-old small1-year-old large5-year-old large
CALIFORNIA
1AKC - $41AKC - $55AKC - $44ASPCA - $55
2ASPCA - $49ASPCA - $60 ASPCA - $45AKC - $60
3Embrace - $53 Embrace - $63 Embrace - $53Embrace -$63
4Figo - $56Figo - $75 PetFirst - $55Hartville - $72
5Healthy Paws - $58Hartville - $78 Healthy Paws - $58Petfirst - $79
6Pets Best - $61 Healthy Paws - $81Hartville - $59 Healthy Paws - $81
724petwatch - $62 24petwatch - $8124petWatch - $6224petwatch - $81
FLORIDA
1Pets Best - $33Pets Best - $44Pets Best - $33Pets Best - $45
2Embrace - $38Healthy Paws - $55Healthy Paws - $39Healthy Paws - $51
3Healthy Paws - $42ASPCA - $58Embrace - $41ASPCA - $53
424PetWatch - $44Embrace - $59ASPCA - $44Embrace - $63
5ASPCA - $4824petwatch - $6224PetWatch - $4724petwatch - $66
6PetPlan - $51Hartville - $76PetFirst - $52PetFirst - $67
7AKC - $61AKC - $81Hartville - $57Hartville - $70
TEXAS
1Pets Best - $35Pets Best - $48Healthy Paws - $36Pets Best - $48
2Healthy Paws - $36AKC - $49 AKC - $40Healthy Paws - $51
3AKC - $37Healthy Paws - $51ASPCA - $49AKC - $53
4Figo - $41Figo - $59PetPlan - $54ASPCA - $60
5PetPlan - $47 ASPCA - $6624petWatch - $5524petwatch - $67
6ASPCA - $5424petwatch - $67Figo - $56Hartville - $79
724petwatch - $55 PetPlan - $86Trupanion - $65Figo - $80

>>MORE: The Best Pet Insurance Companies

Getting Cheap Pet Insurance Through Accident-Only Coverage:

Another option for finding cheap pet insurance is to just get coverage that is accident-only. As the name suggests, these cover accidents only. So you’d get coverage for issues like when a dog eats something or gets hit by a car, but not cancer. You can cut your monthly premiums in half or more that way. If you’d like to know how some of the top companies compare in terms of price alone for accident-only coverage, below are some quotes:

>>MORE: The Best Pet Insurance for Cats

Pets Best Pet Insurance

  • 3-year-old German Shepherd – San Diego, 92135 – $9 
  • 3-year-old German Shepherd – New Jersey, 07001 – $9
  • (Advertises $9 flat-rate for accident-only coverage)

ASPCA Pet Insurance

  • 3-year-old German Shepherd – San Diego, 92135 – $20
  • 3-year-old German Shepherd – New Jersey, 07001 – $26

Hartville Pet Insurance

  • 3-year-old German Shepherd – San Diego, 92135 – $20
  • 3-year-old German Shepherd – New Jersey, 07001 – $26

Embrace Pet insurance

This company advertises an accident-only plan for pets over the age of 15, but does not offer quotes online. It reimburses you for up to $5,000 per year, has a $100 deductible and covers 90 percent of vet bills.  

>>MORE: Is There Pet Insurance With No Waiting Period?

Final Thoughts:

  • Overall, Pets Best, AKC Pet Insurance and Healthy Paws seem to offer some of the most consistently low premiums when comparing companies for cheap pet insurance, based on the 12 companies we gathered quotes for. 
  • If you’re looking for the least expensive pet insurance, consider getting an accident-only plan. While true accident-only plans are somewhat rare in the industry, it’s a good way to pay only a fraction in premiums.  
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