Best Pet Insurance in Georgia

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Contributor, Benzinga
Updated: July 7, 2022

Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

There is nothing worse than noticing something off about your pet and then rushing them to the vet in a panic... well, until you get the bill for that emergency surgery. The average cost of intestinal surgery can be $1,000 or more, only adding to the stress of the situation. A dog hit by a car could end up costing owners $2,000 for X-rays, medication and surgery. 

Pet insurance is a way to ease your mind, allowing you to focus fully on your recovering kitty without panicking over that incoming vet bill. Let’s take a closer look at some of the best pet insurance in Georgia and what pet insurance even covers. 

Quick Look: The Best Pet Insurance in Georgia

  • Lemonade Pet Insurance
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    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

  • Spot Pet Insurance
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  • Pumpkin Pet Insurance
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    Limitations apply. For terms and conditions, visit pumpkin.care. Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

The Best Pet Insurance in Georgia

There are many factors to consider when choosing pet insurance in Georgia. Some insurance companies cost more than others but may have more coverage options. You know your pet better than anyone else, but let’s take a look at some of the best pet insurance plans in Georgia to help narrow down your search. 

1. Lemonade Pet

Bringing home a puppy or kitten is a great joy -- but it's also pretty expensive! And some pet insurance providers don't really offer much in the way of getting your pet's initial healthcare needs, but Lemonade Pet breaks the mold with the level of coverage it offers for young pets.

Its preventive plan includes coverage for spaying and neutering, microchipping and flea medication. It also covers up to 6 vaccines and boosters. We recommend scouting out pet insurance as soon as you bring your pet home (or even before!). This will keep expenses down throughout your pet’s lifetime, making it easier for you to keep your pet in prime health from a young age — which will also save money in the long run.

Lemonade is a great choice overall for cats and dogs. They pride themselves on “super fast everything” and top-rated service (as well as their mobile app, which has 4.9 stars in the App Store at time of publishing.) Powered by AI, you can get coverage in seconds with their hassle-free digital platform. Even better? Claims are often paid in minutes, meaning you’re not waiting forever on reimbursements after you’ve paid your provider up front.

Lemonade offers several discounts, too: get 5% off for paying annually, 5% if you insure 2 or more pets and 10% off if you bundle your Lemonade Pet insurance with another policy.

  • Lemonade Pet Insurance
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    Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

2. Spot Pet Insurance

Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:

  • Up to 90% reimbursement on eligible vet bills
  • No age cap on coverage
  • Plans start as low as $1 a day* — that’s less than a cup of coffee!

You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions. 

Spot’s claims service is easy. Just visit your vet, send Spot the bill and get reimbursed.

Take 30 seconds to fetch your free quote now. 

*Rates vary based on plan type, species, breed, age and location

  • Spot Pet Insurance
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3. Pumpkin Pet Insurance

Look no further than Pumpkin for the best pet insurance on the market. You can get a wide range of traditional pet insurance and optional preventive care coverage. All of Pumpkin Pet Insurance’s policies come with a 90% reimbursement rate. 

Pumpkin offers policies for both dogs and cats and covers a wide range of situations. Your best bet is to get a sample quote, where you can find exclusions clearly laid out. 

Pumpkin’s customer service team can be reached by:

  • Calling 1-866-ARF-MEOW, Monday to Friday from 8 a.m. to 8 p.m. EST
  • Emailing help@pumpkin.care

Watch out for Pumpkin’s chat feature — coming soon!

  • Pumpkin Pet Insurance
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    Families with multiple pets
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    securely through Pumpkin Pet Insurance's website
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    Limitations apply. For terms and conditions, visit pumpkin.care. Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

Pet Insurance in Georgia: An Overview

Georgia is full of pet-friendly activities, from cafes that invite your 4-legged friends and dog parks with rivers, trails and fenced-off play areas. The state is 33rd in the nation when it comes to pet ownership, with over 55% of households owning pets. Pets are popular in Georgia and that means pet insurance options are plenty, too. 

Number of households with pets: 85 million families in the U.S.

Amount spent on pet bills annually: $1,300

Average cost of pet insurance annually: $240 for cats, $504 for dogs

What Does Pet Insurance Typically Cover?

Pet insurance is often geared toward dog and cat owners, although there are exotic pet insurance options for rodents, reptiles, birds and more. A common misconception is that pet insurance helps cover routine care like checkups and rabies shots. Plans also don’t cover preexisting conditions.

Instead, pet insurance is often used for emergency situations to help keep unexpected costs down. There are 4 types of plans you’ll encounter while searching for the best pet insurance for dogs and cats

  • Accident only. These pet insurance plans cover unexpected incidents and injuries, like your dog getting hit by a car or a cat swallowing a foreign object. 
  • Accident and illness. On top of unexpected occurrences, this pet insurance option covers treatment for illnesses like cancer, infections and allergies. 
  • Embedded wellness. This plan covers vaccinations, flea and tick medication, dental care, and other treatments for sick pets on top of accident and illness. 
  • Endorsements. Pet insurance companies in Georgia often offer this as an add-on, including wellness plans that help pets with serious illnesses. 

3 Reasons to Buy Pet Insurance in Georgia

BZ

  1. Animal lovers in Georgia have a lot of parks to explore with their 4-legged friends. But before you take your dog to a river or enclosed dog park make sure you’re prepared for unexpected emergencies like being attacked by another dog or getting ticks.
  2. Hunting is very popular in Georgia, and many hunters are accompanied by their trusty hunting dogs. Pet insurance will make sure that your dog’s vet expenses are covered if they are accidentally shot or attacked by a wild animal.
  3. Between 2000–2011, veterinary fees increased by 85%. At this rate, veterinary fees will double every 13 years, making it harder and harder to keep up with sudden costs.

Find Pet Insurance in Georgia

Whether you’re hunting with your trusty hound dog in the Georgia wilderness, hanging out with your cats in bed, or teaching your rat to complete mazes for treats, you can rest easy knowing your furry friend (or hairless sphynx) is covered by a comprehensive pet insurance plan.

Find your perfect pet insurance plan today. Start now with a quote from 1 of our recommended providers.

See More: BEST GEORGIA HOMEOWNERS INSURANCE

Q
Does pet insurance cover grooming?
A

Pet insurance does not necessarily cover grooming unless you have wellness plan or additional rider.

Q
Does pet insurance cover accidents and illnesses?
A

Generally, pet insurance covers accidents and illnesses so that your pet can recover and live happily. Other coverage options might include routine care, vaccines and wellness.