Cheapest Pet Insurance Rates
Discover 7 deals available this month.
1.Pets Best
Pets Best offers some of the cheapest pet insurance rates with average monthly premiums of $47.58 for dogs and $34.43 for cats, with a dog Plus policy averaging $40 per month. It covers both dogs and cats with competitive pricing in the US market.
View Deal →Pets Best stands out by delivering affordable coverage for both dogs and cats, making it an economical choice for pet owners looking to balance cost and care. Its competitive monthly rates make pet insurance accessible without sacrificing essential benefits.
Pros:
- Lowest average premium for dogs at $40/month under the Plus policy
- Affordable monthly rates for cats starting at $34.43
- Covers both dogs and cats with consistent pricing
Cons:
- Sample dog rate ($47.58) is higher than some competitors' base plans
- Limited information on coverage details beyond pricing in this data
- May lack flexibility compared to plans with more tiered options
2.Spot
Spot offers pet insurance with monthly premiums starting at $31 for dogs and $17 for cats for $5,000 coverage. Unlimited coverage is available for $63 per month for dogs and $35 for cats.
View Deal →Spot delivers affordable pet insurance plans with flexible coverage limits, making it a solid choice for pet owners seeking budget-friendly options. Its tiered pricing allows you to select coverage that fits your needs without breaking the bank.
Pros:
- Low starting premiums of $31 for dogs and $17 for cats
- Offers both limited ($5,000) and unlimited coverage options
- Affordable unlimited coverage rates compared to some competitors
Cons:
- Higher monthly cost for unlimited coverage compared to basic plans
- No mention of additional features like wellness coverage or discounts
- Limited data on plan flexibility beyond coverage limits
3.Figo
Figo offers competitive pet insurance rates with monthly premiums of $33 for dogs and $18 for cats for $5,000 coverage, rising to $49 for dogs and $27 for cats for unlimited coverage. It provides flexible options suitable for different coverage needs.
View Deal →Offering a solid balance between affordability and coverage flexibility, Figo appeals to pet owners seeking moderate-priced plans with unlimited coverage options. Its pricing structure makes it a practical choice for those wanting predictable monthly costs without sacrificing coverage limits.
Pros:
- Affordable monthly rates starting at $33 for dogs and $18 for cats for $5,000 coverage
- Higher tier unlimited coverage available at $49 for dogs and $27 for cats
- Flexibility to choose coverage limits based on budget and needs
Cons:
- Monthly premiums are not the absolute lowest compared to some competitors
- No detailed coverage features or additional benefits mentioned
- Limited data on plan customization or add-ons
4.MetLife Pet
MetLife Pet offers flexible insurance plans starting at $16/month for dogs and $7/month for cats, with national average premiums of $52/month for dogs and $28/month for cats. Coverage options allow customization to fit different budgets and needs.
View Deal →Affordable starting rates make MetLife Pet a practical choice for budget-conscious pet owners seeking customizable coverage options nationwide.
Pros:
- Low starting premiums at $16/month for dogs and $7/month for cats
- Flexible plans that can be tailored to different coverage needs
- Widely available with national average rates provided
Cons:
- National average premiums are higher than some competitors
- Pricing details beyond starting rates are less specific
- May not offer the absolute lowest rates for unlimited coverage
5.ASPCA Pet Insurance
ASPCA Pet Insurance offers affordable coverage with monthly rates of $34 for dogs and $19 for cats for $5,000 annual coverage. It provides a straightforward pricing option for pet owners seeking basic protection.
View Deal →ASPCA Pet Insurance provides a solid balance of affordability and coverage for pet owners who want dependable protection without high costs. It’s a clear choice if you prefer simple, moderately priced plans.
Pros:
- Affordable monthly rates at $34 for dogs and $19 for cats
- Covers up to $5,000 annually
- Good option for basic pet insurance coverage
Cons:
- No mention of unlimited coverage options
- Less flexible compared to some competitors with variable plan costs
- Limited pricing information beyond the $5,000 coverage tier
6.Pumpkin
Pumpkin offers pet insurance with monthly rates of $30 for dogs and $18 for cats for $5,000 coverage, increasing to $61 for dogs and $34 for cats for unlimited coverage. It provides affordable options for both coverage levels.
View Deal →Pumpkin provides accessible coverage with reasonable rates, balancing budget-friendly options for basic coverage and higher-tier plans for unlimited protection.
Pros:
- Affordable monthly rates starting at $30 for dogs and $18 for cats with $5,000 coverage
- Offers unlimited coverage options at $61 for dogs and $34 for cats
- Covers both dogs and cats with competitive pricing
Cons:
- Higher premiums for unlimited coverage compared to some competitors
- No specific mention of plan flexibility or additional features
- Less competitive pricing for unlimited plans compared to top cheapest options
7.Healthy Paws
Healthy Paws offers some of the cheapest unlimited annual coverage rates for mixed-breed dogs with overall very competitive pricing. It is a strong option for pet owners seeking broad coverage without high premiums.
View Deal →Healthy Paws stands out for providing affordable unlimited coverage for mixed-breed dogs, making it an economical choice for comprehensive pet insurance. Its pricing remains competitive compared to other providers offering unlimited plans.
Pros:
- Cheapest prices for unlimited annual coverage for mixed-breed dogs
- Very competitive overall pricing
- Unlimited coverage offers broad protection
Cons:
- Pricing specifics for purebreds or cats are not detailed
- No breakdown of monthly premiums provided
- Limited information on plan flexibility or add-ons
Did you know?
Pet insurance premiums rise with breed, age, and payout limits. Compare annual benefit caps, waiting periods, and whether exam fees are covered, not just the monthly premium.
Final Words
To secure the best pet insurance rates this July 2026, take time to compare plans from top providers like Pets Best, Spot, and Figo to find coverage that fits your budget and your pet’s needs. You can explore current offers to ensure you’re getting the most affordable and comprehensive protection for your furry friend.
Frequently Asked Questions
Pets Best offers some of the lowest rates with average monthly premiums of $47.58 for dogs and $34.43 for cats. Their Plus policy for dogs has an average premium of $40 per month, making it a highly affordable option.
Yes, Pets Best provides affordable insurance for both dogs and cats. Their plans include the Plus policy for dogs with an average monthly premium of $40 and competitive rates for cats as well.
Pets Best offers the cheapest average premiums for dogs at around $40 per month under the Plus policy, which is lower than many competitors. Other providers like Spot, Figo, and MetLife have varying rates that can be higher depending on coverage levels.
Monthly premiums depend on the type of coverage, such as coverage limits (e.g., $5,000 vs. unlimited), the pet's species, and the provider's pricing model. Generally, plans with higher coverage limits cost more, and rates vary between dogs and cats.
Yes, several providers offer unlimited coverage plans with competitive pricing. For example, Spot and Figo provide unlimited coverage options with monthly rates starting higher than basic plans but still competitive compared to the market.
When comparing providers, look at monthly premiums, coverage limits, and whether the plan covers both accidents and illnesses. Also consider flexibility in plans and the average costs for your pet’s species and breed to find the best value.
