How Much Does Pet Insurance Cost? How to Compare Quotes for Your Pet

Lemonade Pet is not sold in every state.

Short answer

Get current pet insurance quotes for your pet and ZIP code, using the same deductible, reimbursement rate, annual limit, and add-ons. Our older catalog figures are unverified prototype examples. They cannot show today’s price or which insurer is cheapest for your pet.

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 Lemonade

TL;DR

Compare current quotes for your pet and ZIP code using the same deductible, reimbursement rate, annual limit, and add-ons. Our older catalog figures came from prototype examples, without dated quotes for the same pet and coverage settings.
Get current quotes for your pet and ZIP code from each insurer you are considering.
Use the same deductible, reimbursement rate, annual limit, and optional coverage on every quote. Then compare the premium and the policy terms together.

How to find the monthly cost for your pet

Enter your pet's species, breed, age, and ZIP code on each insurer's quote form. A price for a different pet or location will not tell you what your policy costs.

Set the same deductible, reimbursement rate, annual limit, and add-ons for each quote. Save the date and policy settings with each result. Only then can you compare monthly prices side by side.

What changes your premium

Your pet's age, breed, and location affect the price. The choices you make also matter: a higher deductible usually lowers the monthly premium but leaves you paying more when you claim. A higher reimbursement rate or annual limit can raise the premium.

Compare what the plan actually covers. Check waiting periods, exclusions, and whether exam fees, dental illness, and routine care are included or cost extra. A lower premium can leave you with a larger bill at the vet.

Can you use our older price examples?

Our catalog contains older prototype-derived monthly examples for dogs and cats. We do not have dated, like-for-like quote records behind them. They cannot establish today's price, a useful budget, or which insurer is cheapest for your pet.

If a breed guide or comparison page shows an example price, treat it as historical context only. Get current quotes with matching settings before deciding what you can afford.

Next step

Choose the deductible, reimbursement rate, and annual limit you would buy. Request current quotes for your pet and ZIP code from the insurers that fit those needs. Compare the total monthly cost and the policy terms before enrolling.

Cost FAQ

How much is pet insurance for a dog per month?

The price depends on your dog's age, breed, ZIP code, and coverage settings. Request current quotes using the same settings from each insurer you are considering. Our older catalog examples cannot tell you today's price.

Is cat insurance cheaper than dog insurance?

Our older examples show lower cat figures, but they are not current, comparable quotes. Get quotes for the actual pet you want to insure before setting a budget.

What makes pet insurance more expensive?

Age, breed, ZIP code, deductible, reimbursement rate, annual limit, and add-ons can change the premium. Compare quotes with the same settings to see which insurer costs less for your pet.