Best Carriers for Affordable Pet Insurance

By  //  March 23, 2022

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When shopping around for pet insurance, it’s a good idea to take a look at multiple carriers to ensure that you’re getting the best possible coverage. To make that easier on you, we’re going to take a look at four of the best insurance carriers out there so that you have a starting point of where to look for your coverage.


Embrace is one of the most affordable pet insurance carriers out there, offering their Healthy Pet Deductible. Under this system, every year you go without a claim will credit you $50 towards your deductible and it can bring it all the way down to $0 if your pet stays healthy for consecutive years.

This carrier also offers a range of discounts to potential customers, including 5% off for members of the military, and you can even get 10% off for each extra policy you get for additional pets. Embrace also offers a Wellness Rewards Plan, which provides coverage for preventative care treatments like vaccines, sterilization, grooming, and teeth cleaning.


Bivvy is a great choice for customers who are looking for affordable pet insurance because they offer flat rates that are based on location instead of the animal itself. This makes the process of applying for coverage from Bivvy straightforward enough to be done entirely online, and we’d highly recommend them for first-time pet insurance buyers.

Bivvy’s affordable rates and ease of use make them an excellent solution for people who are looking for pet insurance and don’t want to jump through hoops to ensure that their furry friends are protected.


Spot is one of the most customizable pet insurance providers that still offer affordable rates. The first choice you’ll make is between accident-only coverage or coverage that includes both accidents and illness. As you’d expect, accident-only coverage is far more affordable, covering car accidents, swallowed items, and more.

Spot offers a wide range of deductibles, ranging from $100 to $1000, and annual coverage limits that range from $2500 to unlimited. You can choose between three different reimbursement rates: 70%, 80%, or 90%.

This carrier also offers a range of add-ons, including a preventative care add-on that will cover wellness exams, deworming, and dental cleaning.


Lemonade is the final pick that we’re going to cover, and they’re also known for offering some of the best coverage for both cats and dogs. Unlike some other affordable carriers, Lemonade offers the customer a wide range of customization options and you can even get a 10% discount on your coverage if you bundle it with renters insurance or homeowners insurance.

You have access to a wide range of add-ons when working with Lemonade, including vet visit fees, physical therapy, and preventative care. The basic Lemonade plan excludes coverage for elective procedures, pre-existing conditions, and complications that may stem from your pet’s pregnancy.