Our Rankings of The Best Pet Insurance Providers in Georgia
Our top pet insurance providers in Georgia are:
- Lemonade: Our top pick
- Spot: Most customizable coverage
- Embrace: Our pick for savings
- Healthy Paws: Our pick for unlimited coverage
- ASPCA: Our pick for older pets
The Best Pet Insurance Companies in Georgia Reviewed
After analyzing the data, we chose Lemonade as our top pick for the best pet insurance provider in Georgia.
Compare the Top Pet Insurance Providers in Georgia
Whether you’re looking for coverage as an Atlanta-based dog owner or a beachfront-residing cat owner, your pet insurance needs depend largely on your financial situation and your pet’s health. Always compare multiple plans to ensure you’re choosing the right one for you and your pet. Use our comparison tool to see quick facts on popular providers side-by-side.
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 2 days | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$18-$44 | N/R | 15 days | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 2 days | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$18-$44 | N/R | 15 days | Compare Plans |
How Much Does Pet Insurance Cost in Georgia?
Pet insurance costs vary greatly by plan and provider. Your pet’s age, breed and location also drive the cost of premiums. In general, purebred pets are more likely to develop hereditary issues and may cost more to insure. To help Georgia pet owners get an idea of average costs in their area, we obtained quotes for several purebred and mixed pets across 11 popular providers.
According to the quotes we gathered, the average pet insurance cost in the Peach State is $69 per month for dogs and $32 for cats.
Provider | Dog Insurance | Cat Insurance |
Lemonade | $30 | $20 |
Spot | $101 | $49 |
Embrace | $74 | $38 |
Healthy Paws | $62 | $23 |
Fetch | $106 | $46 |
Figo | $58 | $26 |
Pets Best | $71 | $34 |
Paw Protect | $75 | $39 |
ASPCA Pet Health Insurance | $53 | $23 |
ManyPets | $19 | $8 |
Trupanion | $109 | $46 |
What’s the Cheapest Pet Insurance in Georgia?
We found that the cheapest pet insurance provider in Georgia is ManyPets, a recent addition to the U.S. pet insurance market. The company is new to North America as of 2012, but ManyPets has a solid reputation in the United Kingdom. Pet owners should carefully consider plan pros and cons and read reviews before choosing based on price alone, which could compromise your coverage.
To learn about ManyPets, read our full review.
How To Choose the Best Pet Insurance in Georgia
We recommend pet owners start their pet insurance search by carefully considering their financial situation and determining which plan features are most important to them. Then, obtain quotes to see what plans are in budget. Here’s what to consider:
- Coverage and plan types: Plans are available in full-coverage or accident-only options. Separately, you can add coverage for wellness and routine care, such as vaccines, spay or neuter surgery and dental care. Higher-coverage plans cost more upfront, while lower-coverage plans cost more when you use your benefits.
- Fine print: A plan’s fine print will delineate the policy’s exclusions and limitations, which can vary widely by provider. Choose a plan with easy-to-understand parameters.
- Customization: Customization options allow you to create a plan that fits your budget. More options for deductibles, annual limits and reimbursement rates generally equal more flexibility in monthly premiums.
- Customer satisfaction: During your research, read plenty of reviews from multiple sources to get a sense for how real customers feel about a policy’s restrictions, the claims process and the company as a whole.
What Are the Pet Laws in Georgia?
Georgia State pet laws regulate pet ownership and animal treatment to ensure residents, pets and wildlife can coexist peacefully. Some state laws include requirements for responsible dog ownership, guidelines for dog bite liability and definitions and punishments for animal cruelty.
In addition to state laws, residents must also follow local and regional laws enacted by their city or county. Here’s a snapshot of a few pet laws in Georgia towns.
Atlanta Pet Laws
- A maximum of 10 dogs are allowed per residence.
- No breed-specific ordinances can be enforced in the city.
- Pet shops cannot sell dogs or cats, but can sell house pets owned by rescues.
Columbus Pet Laws
- Failure to call the police or animal control after accidentally striking a pet with a vehicle violates cruelty laws.
- Pet owners with more than six total dogs and/or cats are required to obtain a hobby kennel permit.
- Pets adopted from animal care and control must be spayed or neutered within 30 days of leaving the shelter or reaching sexual maturity.
Augusta Pet Laws
- All dogs are required to wear a collar with identification and vaccination tags.
- Female dogs in heat must be confined and under their owner’s control.
- Leaving a dog in an unattended vehicle in unsafe conditions is punishable by up to 60 days in county jail.
Understanding Pet Insurance Terminology
Learning common insurance jargon can help you understand how pet insurance works, read policies with more clarity and choose a plan more efficiently. Here are some common terms and their definitions:
- A waiting period is the time after you purchase your policy but before coverage begins. Waiting periods are designed to prevent fraud and may span from one day to 12 months for specific conditions.
- A deductible is the amount you pay toward your eligible vet bills in a given year before your benefits kick in. Choosing a higher deductible keeps monthly premiums low but increases the amount you pay for services each year before your insurance steps in.
- Premiums are the monthly fees you pay to purchase your pet’s insurance plan. Some providers offer a discount for paying premiums annually.
- Your plan’s reimbursement rate determines the percentage of a covered bill that your policy will pay. Choosing lower reimbursement rates results in lower premiums, but it increases your out-of-pocket costs for each vet bill.
- Coverage limits determine how much your plan will pay in a given year. Some plans also impose per-incident or lifetime limits.
Is Pet Insurance Worth It in Georgia?
If your pet got sick today, could you easily cover a $500, $1,000 or $5,000 bill? Having pet insurance prevents you from being forced to turn down care when your pet needs help and allows you to focus on making medical decisions instead.
There may be years where you pay premiums without using your benefits, but the lifetime cost of paying into pet insurance is typically less than overall payouts, making pet insurance a worthwhile investment in many cases. Of course, this outcome depends greatly on the plan you choose, your pet’s health and medical needs.
Our top pick for Georgia pet owners is Lemonade, but we believe that any pick from our list is a good choice, with each having different pros and cons that will appeal to different pet owners. We recommend pet owners research plans thoroughly before obtaining quotes from their top contenders to make their ultimate choice. In the Peach State, pet insurance is also sold through commercial brokers, which may make the process easier for some people.
Frequently Asked Questions About Pet Insurance in Georgia
Pet insurance providers in Georgia do not require that you use a specific network, which means you can see any primary or specialty veterinarian that works for your pet’s needs. A few veterinarians may contract with specific providers who offer direct vet payment, but this doesn’t restrict a pet owner’s choice.
Hot, humid weather means Georgia pets are more likely to experience parasitic infections, heat stroke, skin problems and respiratory distress. Georgia pets may also spend more time outside than others, exposing them to hazards including wildlife or jagged terrain. Pet insurance can protect you from large veterinary expenses caused by heat- or hazard-related illnesses.
Pet owners can purchase pet insurance independently or through a local insurance broker. Once your insurance is in place, you typically pay your veterinarian for services and file claims for reimbursement with your insurer.
Keep in mind that no pet insurance provider covers pre-existing conditions and many have other restrictions in place.
How We Ranked the Best Pet Insurance Providers in Georgia
We ranked Georgia pet insurance providers using an objective scale and scoring system, taking into account pricing, years in business, plan types, plan customizations, coverage, age limits, waiting periods and customer reviews. We also polled pet owners in the Peach State to determine which features and coverages were most in demand and which medical issues are most commonly encountered in the state. From there, we ranked providers based on how well they matched with the state’s needs.
Costs were determined using sample quotes averaged from four pet types, including a 5-year-old medium, mixed-breed male dog, a 2-year-old female golden retriever, a 5-year-old mixed-breed male cat and a 2-year-old female Siamese cat, across 11 popular providers. To learn more about our data collection and ranking processes, visit our full pet insurance methodology and editorial guidelines.