How much does puppy insurance cost?
Lemonade Pet is not sold in every state.
Puppy insurance uses the same accident-and-illness policies as insurance for older dogs. We do not have a current, comparable quote set or a separate puppy price list. Your premium depends on breed, age, ZIP code, deductible, reimbursement rate and annual limit. Start with a current Lemonade quote where sold, then compare other insurers using the same details and coverage choices.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Compare puppy quotes at matched settings
We do not publish a separate puppy-only price table. Our older insurer catalog figures were not collected as a comparable set of quotes. Ask each insurer for a current price using the same puppy details, deductible, reimbursement rate and annual limit.
Age still matters. Puppies are generally cheaper to insure than older dogs, but premiums can rise as the pet ages. Ask each insurer how renewals are priced and compare current puppy quotes rather than relying on an older catalog example.
What actually moves a puppy quote
Breed is one factor in a puppy quote. Claims risks differ by breed, including airway and disc disease for French Bulldogs and Bulldogs and IVDD for Dachshunds. Coverage choices also affect the premium: a higher deductible and a lower reimbursement rate can lower it, while more generous coverage can raise it. Insurers price by ZIP code, not by state. We have no per-state puppy prices; state pages reuse the national editorial ranking.
The lowest quote is usually the most restrictive configuration: a high deductible, 70 percent reimbursement and a low annual cap. Spot offers caps from $2,500 to unlimited, the widest menu in our lineup, which also makes it the easiest plan to accidentally under-buy. Compare quotes only at matched settings.
This page is about price, not timing or worth-it
When to enroll is a different question: the week you bring the puppy home, before any symptom can become a pre-existing exclusion. Whether insurance is worth the premium is also a different question: it depends on whether a $5,000 to $10,000 bill would change the treatment you choose. Those answers live on their own pages. This page only answers what it costs.
The Advisor ranks the eight reviewed plans from nine questions. It is not a quote form.
Related questions
Keep reading
- How much pet insurance costs
- When should you get pet insurance?
- Is pet insurance worth it?
- Lemonade review
- Healthy Paws review
- Breed risk guides
- Pet insurance by state
- Ask the plan Advisor
- How much does Beagle pet insurance cost?
- How much does Bulldog pet insurance cost?
- How much does French Bulldog pet insurance cost?
Not sure which plan fits?
The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.