Sorted by starting price
5 Cheapest Pet Insurance of 2026
By the Rankozo research desk · Updated November 12, 2026
Among the 8 tools in our best pet insurance ranking, Pets Best has the lowest verified paid starting price at $6 per month for cats, accident only ($9 for dogs). Prices below are quoted from each vendor's US pricing page.
- 01
Pets Bestowners who want the cheapest accident-only cover
Accident-only plans start at $6 a month for cats and $9 a month for dogs ($7 and $10 in WA); accident and illness plans averaged $22 to $34 a month for cats and $36 to $58 for dogs in Pets Best sales data
Full entry, No. 4 overallStarts at
$6
Score 8.5
- 02
MetLife Pet Insuranceowners who want to fine-tune the deductible to hit a target premium
Plans start at $7 a month for cats and $16 a month for dogs; your quote depends on pet, location and the options you choose
Full entry, No. 1 overallStarts at
$7
Score 8.9
- 03
Spot Pet Insuranceowners of senior pets who want no age cutoff and clear average costs
Cat plans start as low as $9 a month and dog plans from $15 a month; Spot reports average premiums of $22 a month for cats and $40 for dogs
Full entry, No. 3 overallStarts at
$9
Score 8.7
- 04
Lemonade Petapp-first owners who want a low starting price and simple choices
A policy for a dog or a cat starts at $10 a month; Lemonade says its cat parents pay around $27 a month and dog parents around $48 a month on average
Full entry, No. 2 overallStarts at
$10
Score 8.8
- 05
Embrace Pet Insuranceowners who want broad cover, including dental illness and therapies
Most Embrace cat parents pay $17 to $42 a month and most dog parents $20 to $70 a month; your price depends on age, breed, location and coverage
Full entry, No. 5 overallStarts at
$17
Score 8.4
Scores and prices come from our Best Pet Insurance ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com