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Best Affordable Pet Insurance

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Top 5 Best Affordable Pet Insurance

We all want to give the best care possible to our pets, however very few people are able to pay the high fees associated with the premium pet insurance plans. To combat this conflict we have developed a list of the Best Affordable Pet Insurance companies to help you in your search for the plan that best fits your budget.

Don’t let the low prices of these plans fool you though. They still provide high quality coverage that can compete with even the most expensive pet insurance plans out there.
These Pet Insurance plans provide high quality coverage that can compete with even the most expensive pet insurance plans out there. #pets #insurance #cats #dogs

Rated #1

PetPremium

Rating:

      7.3/10

Pet Premium Pet Insurance Review
Starting at: $20.00 /mo

The average price is $20 and $15, for dogs and cats respectively.

*Sample price based on a 2 year old pet from Michigan with a $250 deductible and 80% reimbursement level.

PetPremium is far and away the most affordable option when it comes to pet insurance. With the monthly price of plans starting as low as $7.50 for cats and $11 for dogs no other company can compete with their prices. The drawback to these prices are incident limits on the low side, however unless you have a particularly unlucky pet you should never have to worry about them.

At prices like this, you can’t afford not to buy pet insurance from PetPremium.

A Few Details about this Insurer:

The maximum amount PetPremium will ever make you pay is $30 for dogs and $22.50 for cats. This will give you their top plan with the highest limits. The average is $20 and $15, for dogs and cats respectively.

Deductables: $100, $250, $500 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, No Limits
Maximum Enrollment Age: 12 Years Dogs, 14 Years Cats - New Customers Effective Date: Day after enrollment

Need a bit more coverage? PetPlan also offers liability insurance which will reimburse you up to $100,000 for any damages done by your pet.

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Rated #2

Nationwide

Rating:

      7.4/10

nationwide pet insurance review
Starting at: $24.00 /mo

Nationwide’s main plans cost an average of $24/month for dogs and $13/month for cats.

*Sample prices are based on a 2 year old mixed breed from Michigan with a $250 deductible.

Not only does Nationwide have the largest client base of all pet insurance providers, they also offer some of the cheapest plans on the market. There is perhaps no other company which is able to offer such great value for as low a price. That is not all that makes Nationwide so affordable however. They are also the only company to allow wellness plans to be purchased individually. If you only want pet insurance to help reimburse the cost of routine care, Nationwide will not force you to spend extra money on a regular plan.

A Few Details about this Insurer:

Nationwide’s main plans cost an average of $24/month for dogs and $13/month for cats. They have 3 wellness plans that offer differing coverage that cost on average $20/month.

Deductables: $250 Per Incidence Limits: Dependent on Plan Selected
Co-Pay Coverage: 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: No Limits
Maximum Enrollment Age: 10 Years for New Customers - No limit for existing customers Effective Date: Day after application is approved and payment received

Are you an owner of a bird or a reptile? Nationwide is the only pet insurance company to provide insurance to owners of exotic animals.

Read our Review of Nationwide
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Rated #3

Healthy Paws

Rating:

      7.8/10

Healthy Paws Pet Insurance Review
Starting at: $16.00 /mo

HealthyPaws has a 1 size fits all plan that costs an average of $27/month for dogs and $16/month for cats.

*Sample costs are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level

HealthyPaws does not offer any wellness add-ons, and according to their website this is why they are able to provide insurance for such low prices. As far as offering protection against expensive vet care as a result of an accident or illness, no company is more affordable than HealthyPaws.

If your pet ever does have the misfortune of needing expensive treatment, the monthly premium for insurance from HealthyPaws will be a drop in the bucket compared to the vet bill.

A Few Details about this Insurer:

HealthyPaws has a 1 size fits all plan that costs an average of $27/month for dogs and $16/month for cats.

Deductables: $100, $250, $500 Per Incidence Limits: No Limits
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: No Limits
Maximum Enrollment Age: 14 Years Effective Date: 12:01am the following day after enrollment

Worried about reaching coverage limits? HealthyPaws has no limits of any kind, so you will never have to worry about the cost of veterinary care.

Read our Review of HealthyPaws
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Healthy Paws Pet Insurance and Foundation.

Rated #4

ASPCA

Rating:

      7.6/10

ASPCA Pet Insurance Review
Starting at: $21.00 /mo

Generally they cost an average of $28/month for dog owners and $21 for cat owners.

*Sample prices are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level.

ASPCA offers 4 different insurance plans with increasing coverage and limits. While the premium 4th plan is a little on the pricy side, the first 3 plans are very affordable while still providing wide coverage, and are a better option for owners looking for affordable insurance.

The ASPCA offers very customizable options, so you can make your premiums as low as you desire. They also give 10% discounts to customers who register 2 or more pets with them, which over time will lead to lots of savings.

A Few Details about this Insurer:

As stated earlier, ASPCA has 4 different plans which vary in price. Generally they cost an average of $28/month for dog owners and $21 for cat owners.

Deductables: $100, $250, $500 Per Incidence Limits:
Co-Pay Coverage: 70%, 80%, 90% Annual Claims Limits: no limits
Minimum Enrollment Age: 6 Weeks LifeTime Claims Limits: $2,500, $5,000, $10,000, $15,000, $20,000, $25,000, No Limits
Maximum Enrollment Age: None Effective Date: 1st and 15th of the Month (after payment)

Like to travel with your pet? ASPCA maintains a free 24/7 hotline that provides assistance to customers who are over 100 miles away from home with their pet.

Read our Review of ASPCA
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Rated #5

24PetWatch

Rating:

      6.8/10

24 PetWatch Pet Insurance Review
Starting at: $34.00 /mo

The main insurance plans of 24PetWatch average $34/month for dogs and $19/month for cats.

*Sample pricing based on a 2 year old mixed breed pet from Michigan with a $100 deductible and 80% reimbursement level.

The main plans offered by 24PetWatch are only slightly more affordable than the plans of companies not on this list. However, what helped put 24PetWatch come out ahead of their competitors and is their “Lost Pet Recovery Service”. With this package, if your pet is ever lost 24PetWatch will be on alert 24/7 attempting to find your pet through their unique microchip.

Make no mistake, the main insurance provided by 24PetWatch is still very affordable. It is just that the “Lost Pet Recovery Service” is such useful deal for an extremely low cost.

A Few Details about this Insurer:

The main insurance plans of 24PetWatch average $34/month for dogs and $19/month for cats. “Lost Pet Recovery Service” can be had for the low cost of $20 annually.

Deductables: $100, $250, $500, $1000 Per Incidence Limits: No Limits
Co-Pay Coverage: 80% Annual Claims Limits: no limits
Minimum Enrollment Age: 8 Weeks LifeTime Claims Limits: $1,500, $3,000, $5,000, $10,000, $20,000
Maximum Enrollment Age: 10 Years Dogs, 12 Years Cats - New Customers Effective Date: 12:01am the day after enrollment

Expecting a move in the near future? 24PetWatch provides coverage throughout all of North America, so you can move out of state or even out of country and still maintain your pet insurance.

Read our Review of 24PetWatch
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