The Best Pet Insurance in Alaska in 2025
Affordable pet insurance coverage in Alaska starts at $30 per month for cats and $36 for dogs.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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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
Pet ownership in Alaska comes with unique challenges, from harsh weather conditions to limited veterinary access in remote areas.[1] That’s why having reliable pet insurance becomes even more important for Alaskan pet parents.
Pet insurance in Alaska averages $55 per month for dogs and $36 for cats, according to our data. But rates vary significantly between companies based on coverage choices, your pet’s age and breed, and your location within the state.
Our top picks for the best pet insurance companies in Alaska include Figo for dogs and Spot for cats, with both offering competitive rates and comprehensive coverage.
Let’s explore your best options for protecting your furry family members in the Last Frontier.
What You Need to Know About Pet Insurance in Alaska
Pet insurance in Alaska averages $660 per year for dogs and $432 for cats.
Spot is the cheapest insurer for dogs, while ASPCA offers the most affordable coverage for cats.
Alaska has no special pet insurance laws beyond standard insurance regulations.[2]
Compare Pet Insurance Companies in Alaska
Below, we compare the top pet insurance companies available to Alaska residents across key metrics like average premiums, coverage options, and policy features. Explore these options to see which insurers might work best for your pet’s needs and your budget.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $42/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $36/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $42/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $88/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $56/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 $33/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $30/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $82/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%–100% | 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. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
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. $2,500–Unlimited | 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–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
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. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | 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. $250–$1,000 |
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 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. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Alaska’s Best Pet Insurers
Policies in Alaska start as low as $30 per month.
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Our Picks for the Best Pet Insurance Companies in Alaska
We’ve researched pet insurance in Alaska to bring you our top recommendations based on average rates, customer satisfaction, and available coverages. Each company offers unique strengths for different pet owner situations.
Figo: Best for dogs
Pros
24/7 virtual vet visits
Multiple reimbursement and deductible options
Military discount available
Cons
Mixed customer reviews about claims
No coverage for prescription food
Relatively low multi-pet discount
Figo is our top choice for dog owners in Alaska because it offers the lowest rates, according to Compare.com data. It’s one of the few insurers with a 100% reimbursement option and an unlimited payout limit, which is ideal if your dog needs long-term care.
The company also has a one-day waiting period for accidents, so coverage kicks in quickly. But you’ll still need to wait 14 days for illness coverage.
Spot: Best for cats
Pros
No age restrictions
Optional wellness plans
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
No option to pay vet directly
Spot takes the top spot for the cheapest rates for Alaska pet owners, according to Compare.com data.
The company offers generous coverage for curable pre-existing conditions, prescription food, and behavioral and alternative therapies. Features like these make Spot a great choice for cat owners looking for more comprehensive coverage beyond basic accident and illness protection.
ASPCA: Best for senior dogs
Pros
Alternative therapy and microchipping add-on
Preventive care plan available
Accident-only plan available
Cons
No coverage for prescription food
Must call for unlimited coverage quote
Limited deductible options
ASPCA combines the credibility of a well-respected animal welfare organization with pet insurance. The company shines for senior-dog owners with its excellent preventative care plan add-on, which becomes increasingly valuable as your pet ages.
The company also covers alternative therapies often needed by older dogs. But keep in mind that coverage for hereditary and congenital conditions only applies if your dog is symptom-free before enrollment and during the waiting period.
Pumpkin: Best for senior cats
Pros
Covers behavioral and dental issues
Includes optional wellness package
No upper age limit
Cons
14-day waiting period for illnesses
Only two reimbursement rate options
No accident-only coverage
Pumpkin is a great option for senior cats in Alaska. It offers benefits like behavioral issue coverage, dental care, and protection for curable pre-existing conditions after 180 days. The company offers valuable coverage for aging cats — especially those in need of specialized care.
Healthy Paws: Best for unlimited payouts
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
No coverage for exam fees
No accident-only plan option
No 100% reimbursement option
Healthy Paws is a solid choice for Alaska pet owners because every plan includes unlimited payouts. So, if your pet has a condition that qualifies for coverage, it can get the coverage it needs without coverage caps.
That peace of mind matters in Alaska, where specialized veterinary care can be expensive. Just keep in mind that the company’s highest reimbursement rate is 90%, so you’ll still pay a small portion of the bill.
Our editorial team selected these companies based on a combination of 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 Alaska
Pet insurance rates vary significantly between companies based on coverage levels, deductibles, reimbursement percentages, and your pet’s age and breed. Younger, mixed-breed pets typically cost less to insure than older, purebred animals.
The table below shows companies with the most affordable average rates for dogs and cats in Alaska, according to our data.
The below rates are estimated rates current as of: Sunday, October 5 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $36 | $33 |
| ASPCA | $42 | $30 |
| Prudent Pet | $46 | $31 |
| Pumpkin | $88 | $82 |
Alaska Pet Insurance Laws and Requirements
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Alaska regulates pet insurance under its general insurance statutes, with no specific pet insurance laws. The Alaska Division of Insurance treats pet insurance like any other standard insurance product and encourages pet owners to contact insurance companies directly for more information.[3]
Still, pet owners must abide by other regulations throughout the state. Pet-related legal requirements in Alaska include:
Rabies vaccination: The Alaska Office of the State Veterinarian requires dogs, cats, and ferrets 12 weeks or older to have a current rabies vaccination.[4]
Health certificates: Anyone bringing dogs, cats, and ferrets into Alaska must have a certificate of veterinary inspection from a licensed veterinarian.
Prevention requirements: Pet owners must keep their pets’ rabies vaccines up to date as part of rabies prevention measures.[5]
Local requirements: Some Alaska communities, like Kotzebue and Nome, have additional requirements, such as requiring dogs to be vaccinated against parvovirus at least seven days before arrival.
How to Pick the Right Alaska Pet Insurance Company for You
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Alaska’s harsh winters, remote locations, and abundant wildlife create unique risks for your pets that most other states don’t face.[6]
Follow these steps to find the right coverage for your Alaskan pet:
Assess your pet’s needs. Consider your pet’s age, breed, existing health conditions, and lifestyle factors to choose coverage that fits their unique risks.
Research Alaska-specific considerations. Since Alaska is mostly rural, factor in limited veterinary access and potential travel costs for specialized care.
Compare quotes from multiple companies. Get personalized rates from at least three insurers to find the best value.
Review coverage details. To understand what’s covered, check waiting periods, exclusions, reimbursement rates, and annual limits, so you know what to expect when your pet needs care.
Read policy terms carefully. Make sure you understand how the insurer defines pre-existing conditions and how the claims process works before purchasing your policy.
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Pet Insurance Terms: A Full Glossary of Everything You Should Know
Find the Best Company for Your Furry Friend
ASPCA may be cheapest, but it won’t be right for every Alaska pet parent.
Secure. Free. Easy-to-use.
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Alaska Pet Insurance FAQs
Pet care in Alaska comes with unique challenges. Here are common questions pet families have about protecting their furry companions in the Last Frontier.
What’s the best pet insurance in Alaska?
The best pet insurance depends on your pet’s specific needs. That said, Alaska pet owners can find the best coverage with Figo and Spot, according to our research. Figo offers excellent value for dogs with competitive rates and unlimited coverage options, while Spot provides the most affordable cat coverage with comprehensive benefits.
What’s the average cost of pet insurance for dogs in Alaska?
Dog insurance in Alaska averages $55 per month, according to our data. Senior dogs typically cost $113 per month, purebred dogs average $70 per month, and mixed breeds cost $63.
What’s the average cost of pet insurance for cats in Alaska?
Cat insurance averages $36 per month in Alaska, according to our data. Senior cats cost approximately $85 per month, purebred cats average $56, and mixed breed cats typically run $54 per month.
Is pet insurance expensive in Alaska?
Yes. Alaska is one of the more expensive states for pet insurance, according to our data. Dogs cost an average of $660 per year, and cats cost $432. The national averages for these two types of pets are $276 and $504, respectively.
Is pet insurance worth it in Alaska?
Yes. It’s worth it to have pet insurance in Alaska. Pet insurance is especially valuable in Alaska, where access to veterinary care is limited, particularly in remote areas. Emergencies might require costly travel to reach specialized care, making comprehensive coverage even more worthwhile.[7]
What does pet insurance cover in Alaska?
Most Alaska pet insurance policies typically cover accidents, illnesses, surgeries, diagnostic tests, prescription medications, and emergency care. Many also offer optional wellness add-ons for routine services like vaccinations and checkups. Coverage varies by company and plan, so review the policy details closely.[6]
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 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
- Joint Base Elmendorf-Richardson. "Alaska winters create challenges for JBER pet owners."
- The Alaska State Legislature. "Alaska Statutes 2024."
- Justia U.S. Law. "2024 Alaska Statutes Title 21. Insurance Chapter 12. Kinds of Insurance, Limits of Risk, and Reinsurance Sec. 21.12.070. Casualty insurance defined."
- AK Dept. of Environmental Conservation. "Bringing Dogs, Cats, and Ferrets to Alaska."
- Alaska.gov. "Rabies."
- PetPlace. "Get the Best Pet Insurance in Alaska in 2025."
- National Library of Medicine. "Community perspectives on dogs, health risks, and veterinary care impacts in rural Alaska."
