The Best Pet Insurance in Alabama in 2025
Find the cheapest pet insurance quotes, starting at $14 per month for dogs and $7 for cats.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
When it comes to protecting your furry family members in Alabama, having the right pet insurance can save you thousands. Our top picks include Spot for comprehensive coverage, Lemonade for budget-friendly dog protection, and Pets Best for cat owners.
Pet insurance can come in handy in Alabama. Dogs in the state face elevated heartworm risks[1], while cats have to worry about rabies and parasitic infections.[2]
Pet insurance averages $31 per month for dogs and $19 for cats in Alabama, according to Compare.com data. But rates can vary based on your pet’s age, breed, and the coverage you choose.
Let’s explore your best options for keeping your Alabama pets protected without straining your budget.
What You Need to Know About Pet Insurance in Alabama
Pet insurance in Alabama averages $372 per year for dogs and $228 for cats.
Insurance rates for dogs start at $14 per month and cats typically run $7 per month.
Alabama requires rabies vaccination for dogs, cats, and ferrets. That state doesn’t have any specific pet insurance regulations.[3]
Compare Pet Insurance Companies in Alabama
We analyzed rates and coverage options from Alabama’s top pet insurers. The table below shows average monthly premiums for dogs and cats, plus policy features like pre-existing condition coverage and reimbursement options, according to Compare.com data.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $18/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $20/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $14/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $31/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $44/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $9/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $11/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $7/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% |
Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Alabama’s Best Pet Insurers
Policies in Alabama start as low as $7 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Alabama
After analyzing dozens of pet insurers, these five companies rose to the top with the best combination of affordable premiums, robust coverage options, and policy features that actually matter to pet parents.
Spot: Best overall
Pros
No age restrictions
Optional wellness plans available
Multiple deductible and reimbursement options available
Cons
No 100% reimbursement option
14-day waiting period for accidents
No option to pay your vet directly
Spot delivers competitive rates for Alabama cats and dogs while offering features like behavioral therapy coverage and prescription food benefits. Its plans also cover alternative treatments that many other insurers exclude. While Spot has affordable rates across the state, it doesn’t offer 100% reimbursement like some of its competitors.
Lemonade: Best for dogs
Pros
Bundling discount available
Can file claims through app
Low premiums
Cons
Doesn’t cover alternative therapies
Not available in every state
Some coverages available only as add-on
Lemonade has the cheapest rates for dogs based on Compare.com data. Its standout features include a two-day waiting period for accidents — perfect for accident-prone young pups. Plus, you can bundle with Lemonade renters or homeowners insurance for additional savings on your monthly premium.
Pets Best: Best for cats
Pros
Acupuncture coverage available
Unlimited coverage option
Accident-only plan available
Cons
No 100% reimbursement option
Doesn’t cover behavioral conditions
Relatively low multi-pet discount
Pets Best consistently offers the cheapest cat rates in Alabama. It’s ideal for cat parents wanting perks like the option to pay their vet directly, wellness coverage, and alternative therapy coverage. It also offers an accident-only plan for budget-conscious pet parents who want coverage in an emergency.
Healthy Paws: Best for puppies and kittens
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won’t issue policies to older pets
Doesn’t offer wellness plan
No coverage for exam fees
Healthy Paws has some of the cheapest average rates for young puppies and kittens in Alabama. The company processes claims quickly, and every plan includes unlimited payouts. It also covers hereditary conditions, which is crucial for breeds with genetic predispositions, like German shepherds[4] or Maine coons[5].
Figo: Best for senior pets
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options available
24/7 virtual vet visits
Cons
Relatively low multi-pet discount
Six-month orthopedic waiting period
Doesn’t offer lower-cost accident-only plans
Figo offers some of Alabama’s cheapest rates for senior cats and dogs. With no age limits for new policies, Figo welcomes older pets that other insurers might reject. Plus, the included 24/7 virtual vet consultations can help whenever you have a question about your pet’s health.
That said, the company’s six-month orthopedic waiting period could be an issue for breeds like Golden Retrievers, which are prone to hip dysplasia.[6]
Our editorial team selected these companies based on average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Alabama
Pet insurance rates can vary significantly between companies. Insurers use different methods to calculate risk and offer different coverage levels. Some insurers focus on basic accident coverage, while others provide comprehensive illness protection. Plus, your actual costs depend on factors like your pet’s age and breed.
The table below shows Alabama’s most affordable pet insurers, according to Compare.com data.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $14 | $7 |
| Spot | $18 | $9 |
| Lemonade | $20 | $11 |
| ASPCA | $21 | $11 |
| Prudent Pet | $38 | $23 |
| Pumpkin | $51 | $25 |
Alabama Pet Insurance Laws and Requirements
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Alabama doesn’t have specific pet insurance regulations, so pet policies follow general property insurance rules. But the state does have some important pet-related requirements.[7]
Vaccination requirements
Alabama law requires all dogs, cats, and ferrets to be vaccinated against rabies by a licensed veterinarian.[8]
Vaccinations must use approved vaccines per Alabama law.
Your pet must have a vaccination certificate and a matching identification tag.
Local licensing
Many Alabama cities require you to register your pet annually.[9]
Some areas offer reduced registration fees for spayed or neutered pets.
Municipalities can have different licensing requirements, so check your local rules.
Liability laws
Alabama follows strict liability for dog bites. You’re liable for damages when your dog bites someone without provocation, regardless of your knowledge of the dog’s vicious behavior.[10]
Under Alabama law, you’re liable when bites occur on your property or when the victim is pursued from your property.
Dangerous dogs require $100,000 surety bonds and annual registration fees.
How to Pick the Right Alabama Pet Insurance Company for You
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Whether your pup loves hiking the trails at Oak Mountain or your cat prefers lounging through the long, humid Alabama summers, you should choose pet insurance that fits your lifestyle and budget. Here are some tips on how to navigate your options:
Assess your pet’s risk factors. Consider your pet’s age, breed, and Alabama-specific health risks like heartworm exposure[11] from the state’s humid, mosquito-heavy climate.
Determine your budget. When looking at cost, factor in monthly premiums, deductibles, and potential out-of-pocket maximums.
Review coverage exclusions. Pay special attention if a policy excludes pre-existing conditions or has any waiting periods for accidents or illnesses.
Check insurer networks. Make sure your current veterinarian accepts your insurer’s payments.
Compare multiple quotes. Get estimates from at least three insurers to find the best rates.
Find the Best Company for Your Furry Friend
Pets Best may be cheapest, but it won’t be right for every Alabama pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Alabama Pet Insurance FAQs
Whether you’re new to pet insurance or thinking about switching companies, here are answers to some of the most common questions from Alabama pet parents.
What’s the best pet insurance in Alabama?
It depends. Spot earned our top overall ranking for Alabama pet owners thanks to its competitive rates, comprehensive coverage, and flexible plan options. But the best choice for you depends on your pet’s age, breed, and your budget.
What’s the average cost of pet insurance for dogs in Alabama?
Alabama dog insurance averages $31 monthly. Purebred dogs average $44 per month, while mixed breeds average $35.
What’s the average cost of pet insurance for cats in Alabama?
Cat insurance in Alabama averages $19 per month. Purebred cats average $32 per month, compared to an average of $21 for mixed breeds.
Is pet insurance expensive in Alabama?
Not typically. Alabama actually has relatively affordable pet insurance rates. For example, compared to the national average of $42 per month, pet insurance for dogs in Alabama costs $31 per month. Costs vary significantly based on your pet’s age, breed, and the coverage you choose.
Is pet insurance worth it in Alabama?
Yes. Pet insurance provides valuable financial protection, especially given Alabama’s specific health risks. With the state’s humid conditions increasing heartworm risk in dogs and FeLV/FIV rates in cats, insurance can quickly pay for itself during preventive care or emergency treatment.[12]
What does pet insurance cover in Alabama?
Most Alabama pet insurance plans cover accidents, illnesses, surgeries, diagnostic tests, prescription medications, and emergency care. Some policies include coverage for alternative treatments like acupuncture. Routine care like vaccinations typically requires separate wellness coverage.
Disclaimer
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- National Library of Medicine. "Increasing incidence of Dirofilaria immitis in dogs in USA with focus on the southeast region 2013–2016."
- The Royal Society Publishing. "Who let the cats out? A global meta-analysis on risk of parasitic infection in indoor versus outdoor domestic cats (Felis catus)."
- Alabama Public Health. "Rabies."
- National Library of Medicine. "Novel protective and risk loci in hip dysplasia in German Shepherds."
- National Library of Medicine. "Prevalence of the myosin-binding protein C mutation in Maine Coon cats."
- Michigan State University. "A Dog’s Life: Summer, the Hip Dysplastic Golden Retriever."
- NAIC. "PET INSURANCE MODEL ACT."
- Alabama Public Health. "RABIES Control and Bite."
- Hunstville. "Pet License."
- Justia U.S. Law. "2020 Code of Alabama Title 3 - Animals. Chapter 6 - Liability of Owners of Dogs Biting or Injuring Persons.."
- Countryside Veterinary Hospital. "The Increasing Rise in Heartworm Disease and How to Protect Your Pet."
- ManyPets. "Pet Insurance in Alabama."
