The Best Pet Insurance in Georgia in 2025
Pets Best, Lemonade, and ASPCA are among our top picks for pet insurance companies in Georgia.
Excellent
)
)
Edited byLequita Westbrooks
)
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.
)
Reviewed byJohn Leach
)
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.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
When it comes to protecting your furry family members in Georgia, Pets Best and Lemonade are our top picks for comprehensive pet coverage that won’t strain your budget. Dog and cat owners will find broad coverage at affordable rates with these companies.
Georgia’s pet insurance landscape is relatively new — the state only authorized pet insurance plans in 2023.[1] With Georgia’s hot climate and rising vet care costs, having pet insurance helps protect your finances and your pet’s health.[2]
You can expect to pay $35 per month for dogs and $20 per month for cats, on average, across Georgia. But your actual rates depend on your pet’s age, breed, location, and coverage choices. Let’s explore Georgia’s top companies, pet regulations, and costs to help you find the perfect policy.
What You Need to Know About Pet Insurance in Georgia
Annual pet insurance rates for dogs average $420 and $240 for cats.
Spot has the cheapest rates for dogs.
Pets Best offers the most affordable coverage for cats in Georgia.
Georgia requires dog owners with dangerous dogs to maintain at least $50,000 in liability coverage and annual rabies vaccinations for dogs, cats, and ferrets 12 weeks of age or older.[3] [4]
Compare Pet Insurance Companies in Georgia
Pet parents will find several different pet insurance companies in Georgia. Here’s a list of your top options in the table below. Check out how leading pet insurance companies stack up across key metrics like pricing, coverage options, and special features to help you evaluate your choices.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $25/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $24/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $21/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $54/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $10/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $12/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 $24/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. 70%–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. $5,000–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. $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 |
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. $100–$750 | 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. $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 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 Georgia’s Best Pet Insurers
Policies in Georgia start as low as $10 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Georgia
Whether you’re looking for heartworm protection or coverage for emergency vet visits in Georgia, you have options. We’ve narrowed the search down to five companies that offer competitive rates and comprehensive coverage options that meet Georgia pet owners’ unique needs.
Pets Best: Best for dogs
Pros
No upper age limit
Acupuncture coverage available
Unlimited coverage option
Cons
No 100% reimbursement option
Low multi-pet discount
Behavioral coverage not available
Our data shows that Pets Best delivers the lowest dog premiums in Georgia while maintaining broad coverage options, giving you exceptional value for your canine companion. The company accepts dogs of all ages and offers unlimited annual benefits to help protect against high veterinary costs.
Pets Best’s willingness to cover alternative treatments, such as acupuncture, sets it apart from competitors that focus solely on traditional care.
Lemonade: Best for cats
Pros
Bundling discount of up to 15%
Can file claims through app
Low premiums consistently
Cons
Behavioral coverage only available as add-on
No alternative therapies coverage
Not available in all states
Lemonade is our top choice for cat insurance thanks to its consistently low premiums and seamless, mobile-first claims process, which allows you to manage everything through the app.
Plans start at just $13 per month, with an additional 10% discount when you bundle other Lemonade policies. The company also donates leftover money to nonprofit organizations, adding a layer of social impact to your coverage.
ASPCA: Best for young pets
Pros
Additional pet discount of 10%
Covers alternative therapies
Hereditary conditions available
Cons
No prescription food coverage
Unlimited quote by phone
Limited deductible options
ASPCA balances low premiums for young pets in Georgia with robust add-on options, making it an ideal choice for puppies and kittens who need comprehensive early life protection.
The company covers hereditary and congenital conditions that often affect young animals, as well as alternative treatments for holistic care. When insuring multiple animals, you’ll save 10% on each additional pet.
Spot: Best for senior pets
Pros
No age restrictions
Optional wellness plans
Multiple deductible choices
Cons
No 100% reimbursement option
14-day accident waiting period
No option to pay vet directly
Spot stands out for older pets by offering robust wellness plan options and flexible reimbursement levels that adapt to senior care needs. The company has no age limit for enrollment, which ensures your senior dog or cat can still get coverage even when other companies impose restrictions.
Plus, its optional wellness coverage helps manage routine preventive care costs, which become increasingly important as pets age.
Figo: Best for unlimited payouts
Pros
No upper age limit
Diverse deductible options
24/7 virtual visits
Cons
Mixed claims reviews
No prescription food coverage
Low multi-pet discount
Among companies offering unlimited payout limits, Figo pairs that benefit with 24/7 virtual vet access and no upper-age enrollment barrier. You’ll get highly customizable accident and illness plans, including extensive coverage for rehabilitation and alternative treatments.
The company’s Pet Cloud app lets you manage everything from claims to health records and processes most claims within a few business days.
Our editorial team selected these companies based on a comprehensive analysis of average premiums, available coverages, policy features, and customer experience factors.
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 targeted recommendations for various pet owner needs throughout Georgia.
The Cheapest Pet Insurance Companies in Georgia
Pet insurance rates fluctuate significantly between insurers based on how companies calculate rates and unique factors like your pet’s age, breed, and location.
Our data shows the companies offering the cheapest average rates for dogs and cats in Georgia.
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 | $21 | $11 |
| Pets Best | $22 | $10 |
| ASPCA | $24 | $12 |
| Lemonade | $25 | $13 |
| Prudent Pet | $44 | $25 |
| Figo | $54 | $24 |
| Pumpkin | $59 | $26 |
Georgia Pet Insurance Laws and Requirements
)
The Office of Insurance and Safety Fire Commissioner oversees all pet insurance companies operating in Georgia. While the state only recently began allowing the sale of pet insurance, you should also be aware of other important laws that affect pet health, safety, and liability.
Here’s what you need to know about that state’s regulations:
Consumer protections: Georgia hasn’t adopted specific pet insurance consumer protection laws, unlike 14 other states with dedicated regulations. So, pet owners should carefully review policy terms, since state-specific disclosure requirements don’t yet exist.
Dangerous dog insurance requirements: The state requires owners with dangerous dogs to maintain at least $50,000 in liability insurance coverage for any bodily injury the dog may cause. Liability insurance for dangerous dogs demonstrates the state’s commitment to protecting both pets and the public.
Rabies vaccination mandates: Georgia law requires all dogs, cats, and ferrets 12 weeks and older to receive annual rabies vaccinations from licensed veterinarians. Counties may establish additional vaccination requirements and enforcement measures.
How to Pick the Right Georgia Pet Insurance Company for You
)
Understanding Georgia’s unique market and your specific pet needs makes choosing coverage easier. Here are a few tips to help you find the best pet policy for your Georgia pet.
Compare multiple quotes. Request quotes from at least three companies, as rates can vary significantly between insurers for even the same coverage.
Evaluate coverage needs. Consider your pet’s age, breed, and current health. Young pets benefit from accident coverage, while senior animals often need more comprehensive illness protection.
Review waiting periods. Georgia insurers have varying waiting periods — typically 1 to 14 days for accidents and 14 to 30 days for illnesses. Certain conditions, like hip dysplasia, may have waiting periods of up to six months.
Check veterinarian networks. Unlike human health insurance, most pet insurance lets you visit any licensed veterinarian. But you should still confirm that your preferred vet accepts insurance claim forms and payment processes.
Understand exclusions. Most insurers exclude pre-existing conditions, though some cover “curable” conditions after symptom-free periods. Make sure to review breed-specific exclusions that might affect your pet.
)
Pet Insurance Terms: A Full Glossary of Everything You Should Know
Find the Best Company for Your Furry Friend
Pets Best may be cheapest, but it won’t be right for every Georgia pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Georgia Pet Insurance FAQs
Pet insurance doesn’t have to be difficult when you know your options. Here are answers to the most common questions Georgia pet owners ask about pet insurance.
What’s the best pet insurance in Georgia?
Pets Best earns our top recommendation for Georgia pet owners, particularly those with dogs. Its combination of competitive rates, comprehensive coverage options, and unlimited benefit choices provides excellent value. For cat owners, Lemonade offers competitive premiums with user-friendly mobile claims processing.
What’s the average cost of pet insurance for dogs in Georgia?
The average monthly cost for dog insurance in Georgia is $35, according to our data.
Senior dogs typically cost $95 per month to insure.
Purebred dogs average $52 per month, compared to $42 per month for mixed breeds.
Factors like coverage level and deductible choices significantly affect your final premiums.
What’s the average cost of pet insurance for cats in Georgia?
Our data shows that cat insurance averages $20 per month in Georgia. Purebred cats average $41 per month, and mixed-breed cats cost around $23.
Cats generally cost less to insure than dogs due to lower veterinary treatment costs and reduced accident risks.
Is pet insurance expensive in Georgia?
Not really. Georgia’s pet insurance rates rank favorably compared to neighboring Southeastern states, making it one of the more affordable states for pet insurance. The state’s rates for dogs are slightly above the national average, while its cat insurance rates are on par with the national average.
Is pet insurance worth it in Georgia?
Pet insurance offers financial protection when unexpected veterinary bills arise. It pays for costly accidents, illnesses, and emergencies that can strain your budget. The peace of mind alone makes it worthwhile for many pet owners.
That said, it might not provide value if your pet stays healthy throughout their life or if you’re comfortable paying expenses out of pocket.
What does pet insurance cover in Georgia?
Georgia pet insurance typically covers accidents, illnesses, surgeries, emergency care, diagnostic tests, and prescription medications. Many policies include coverage for cancer treatment, hereditary conditions, and chronic diseases when not pre-existing.
Optional wellness coverage can reimburse routine care like vaccinations, annual exams, and preventive treatments. Coverage varies by company and plan level, so review policy details carefully.
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
- Insurance Licensing Services of America. "Georgia to Offer Pet Insurance."
- Georgia Department of Agriculture. "Georgia Agriculture Commissioner Tyler Harper Urges Georgians to Protect Pets & Livestock During Extreme Heat Wave."
- Georgia General Assembly. "House Bill 685 (As Passed House and Senate)."
- HELP Spay/Neuter Clinic. "Georgia Vaccination Requirements."
