Best Pet Insurance in Georgia: Top Companies & Plans (2022 Review)

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With over 51.5% of Georgia households owning a furry family member, more Georgians than not are working veterinary costs — among other basic pet care expenses — into their annual expenditures. 

Financing predictable vet bills might be manageable, but do you have a solidified crisis plan to protect your budget from steep emergency costs? Proper pet insurance can help keep urgent veterinary costs at bay while covering your pet for more foreseeable expenses like preventative care. 

Even though Georgia hosts lower than average veterinary costs relative to other states, just one emergency vet visit could very well leave you floundering. To help you secure a financial support system that ensures both you and your pet recover quicker from unplanned incidents, we’ve handpicked five reputable providers offering the most comprehensive pet insurance in Georgia, including:

 

Best Overall

spot pet insurance logo

OUR RATING: 4.9

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

Best Georgia Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No upper age limit A
Lemonade Site Link 14 days for illnesses; 48 hours for accidents No 14 years old F
Embrace Site Link 14 days for illnesses; 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days Yes 14 years old A-
ASPCA Site Link 15 days Yes No upper age limit N/A

Pet Insurance Companies in Georgia Reviews

Having a pet in Georgia comes with its own state-specific risks — like long spells of unrelenting summer heatwaves, dense pollen seasons, and humid climates that host ideal living conditions for heartworm-harboring mosquitoes. To help you keep your cat or dog safe in the southern elements, we’ve pinpointed five leading providers that offer complete and cost-effective pet health insurance in Georgia.

Spot

Headquartered in Georgia’s neighboring state of Florida, Spot pet insurance knows what it takes to safeguard pet healthcare year-round from all the potential dangers of the South. With an option for unlimited annual benefits and a 24/7 vet telehealth line, Spot’s accident-illness policy equips pet owners with unlimited financial support and peace of mind at any hour. 

Pros and Cons

Pros

  • No upper age limit
  • 14-day waiting period for knee and ligament events
  • Covers alternative therapies
  • Your pet is still insured if you decide to travel anywhere in the United States, Canada, or within U.S. territories

Cons

  • Bilateral exclusions may apply
  • $2 transaction fee per month (unless you opt to pay annually)
  • Higher-than-average premiums

Plan Highlights

Spot considers microchip implantation fees a standard inclusion in its accident-only and accident-illness policies to ensure that related costs won’t deter pet owners from chipping their animals.

On average, it usually only costs around $45 to microchip your pet, depending on where you live, a price that includes the chip itself, the implantation procedure, and pre-registration of the chip into an online database. However, Spot does not cover any additional registration fees, which may be required to assign your contact information to your pet’s ID number.

In 2021 alone, over 160,000 cats and dogs entered the shelter system in the state of Georgia. And while that number does group together strays and surrendered animals, a portion of those intakes are lost pets. Lost pets that are microchipped are two times more likely to be reunited with their owners than those that aren’t.

Relevant Inclusions

When heavy humidity and sparse rainfall begin to set in during Georgia’s warmer months, record-high pollen counts are sure to follow. Seasonal allergies can be particularly dangerous for flat-faced breeds like French Bulldogs and Pugs, which are already predisposed to congenital respiratory complications. 

Chronic issues like allergies are covered under Spot’s accident-illness terms. However, that is only if symptoms arise after the 14-day waiting period — which is why enrolling your pet as early as possible gives you the best chance of maximizing your coverage. 

Relevant Exclusions

Even though Spot welcomes pets of all ages to register in its policies, pet owners with senior animals should be aware of Spot’s bilateral exclusions. Bilateral conditions, which are health complications that can appear in one or both sides of your pet’s body — like elbow or hip dysplasia, cruciate ligament issues, cataracts, or luxating patellas —  are something that Spot is a bit fussy about.

If your pet develops a bilateral condition before your policy is active, even if, for example, just in one knee or in one eye, any secondary occurrence of the same condition elsewhere in its body won’t be covered as Spot would consider this a pre-existing condition. 

Cost 

Compared to other U.S. providers, Spot’s coverage rates seem to be a tad higher than average. Still, few other providers offer unlimited annual payouts like Spot does, which does correlate to more expensive monthly premiums. 

Spot markets accident-only coverage starting at just $10 per month and accident-illness for as low as $16 per month, but those estimates have yet to rule in vet costs specific to your location or any identifying information about your pet and its medical liabilities. With that being said, Spot policyholders in Georgia should expect a monthly premium of more like $30 to $50 for dogs and $18 to $25 for cats.

Exotic Animal Coverage

Cold-blooded critters like leopard geckos and painted turtles might make ideal pets for anyone living in the Georgia heat, but you won’t be able to find pet insurance for exotic pets like these through Spot. At the moment, Spot only offers pet healthcare solutions for cats and dogs.  

Lemonade

Though Lemonade isn’t yet available nationwide, Georgia makes the cut as one of the 35 states that Lemonade does service. Providing comprehensive pet insurance through one solo accident-illness base plan accompanied by three elective preventative care add-ons, pet owners can ensure quality medical care for their pets starting at just $10 per month. 

Pros and Cons

Pros

  • 48-hour waiting period for accidents
  • 20% off in total available discounts
  • Annual coverage maximums of up $100,000
  • Fully digital experience

Cons

  • Initial enrollment eligibility capped at 14 years of age
  • Excludes major preventative care items like behavioral treatments, microchipping, and spay/neuter procedures
  • Doesn’t cover dental illnesses in pets under 2 years old 

Plan Highlights

Because most of Georgia sits in a sub-tropical zone, heavy and humid temperatures aren’t out of the ordinary for locals. Thankfully, with an all-online customer experience, all the tedious paperwork of traditional insurance registration is one less thing that pet owners in Georgia will have to sweat over.

As the first fully digital pet insurance provider on the market, Lemonade offers a 90-second enrollment experience through its mobile app, allowing customers to secure coverage for their pets from the convenience of a personal device.

Relevant Inclusions

Lemonade’s stock accident-illness policy covers almost every emergency veterinary expense under the sun. No matter what your cat or dog comes down with, Lemonade’s coverage spans diagnostics, medical imaging, lab work, vaccinations, prescription medications, emergency hospitalizations, surgery, and outpatient care for all eligible injuries and illnesses. 

Relevant Exclusions

Although Lemonade doesn’t include parasite control in its standard accident-illness plan, preventative medications and related routine diagnostic tests are available in the Preventative+ level of its three wellness riders. 

Toasty temperatures create a comfortable environment for various native Georgia pests, but the most seasonally invasive are fleas and mosquitoes. Bites from these insects can lead to heartworm and tapeworm infestations; just two examples of why basic parasite prevention is an integral part of pet healthcare.

Cost 

On average, a pet insurance policy through Lemonade will cost dog owners roughly $37 per month, or $14 per month for those insuring a cat. Neither of these estimates are absolute, nor do they include the cost of preventative care coverage, which can be added onto your base Lemonade policy for the following prices:

  • Basic Preventative package $10+ per month for cats, $15+ per month for dogs
  • Preventative+ package — $12+ per month for cats, $17+ per month for dogs
  • Puppy/Kitten Preventative package — $34+ per month for kittens, $40+ per month for puppies

Exotic Animal Coverage

As it stands, Lemonade only offers pet insurance products for cats and dogs. However, a few select insurance providers like Nationwide and Pet Assure offer exotic animal coverage for spiky, slimy, and scaly friends.  

Embrace

We’d most recommend an Embrace pet insurance policy to pet owners who are looking for extensive control over their preventative care. Through its non-insurance wellness program, Embrace doesn’t enforce per-items limits, so a policyholder can spend their wellness allowance when and where their pet needs it most. 

Pros and Cons

Pros

  • Exclusive diminishing deductible program
  • Distinguishes between curable and incurable pre-existing conditions
  • Non-insurance Wellness Rewards plans
  • Multi-pet discount

Cons

  • Age restrictions disqualifying pets older than 14 from initial enrollment eligibility
  • Non-refundable preventative care stipends
  • Six-month waiting period for orthopedic injuries

Plan Highlights

No matter what state you live in, the key to getting the most out of your pet insurance policy is enrolling your pet as early as possible. By keeping abreast of emergencies and underlying conditions with the right pet healthcare plan, you leave less time for health scares to be deemed as pre-existing.

To reward policyholders who’ve nailed down pet insurance coverage well before they even need it, Embrace will knock $50 off its members’ annual deductibles for every year they go without filing a claim.

Relevant Inclusions

As do most other pet insurance companies, Embrace includes a few preventative care options in its coverage scope for policyholders looking for the broadest level of protection. Embrace preventive care includes services like physical exams, core vaccines, general health maintenance, etc. 

Relevant Exclusions

The only red flag among all of Embrace’s exclusions is its rejection of pets over the age of 14. While seniors do present a higher liability for medical coverage given the fragility of their health, they’re also the ones most in need of specialized care. Non-invasive treatment approaches like acupuncture and physical therapy can help older pets get the most out of their golden years without sending pet owners spiraling into debt. 

Aside from its upper age restrictions, most of Embrace’s other policy exclusions are common-sense limitations for things like pre-existing conditions, costs of treatment arising from gross abuse or neglect, controversial cosmetic procedures, etc. 

Cost 

Month-to-month, the average cost of an Embrace policy is about $30 to $40 for dogs and $15 to $20 for cats. Remember, the price has the opportunity of rounding down every year you renew your Embrace membership without needing to file a claim for reimbursement, thanks to its vanishing deductible program. 

Exotic Animal Coverage

If it doesn’t meow or bark, Embrace won’t cover it. For readers searching for a reputable provider to cover their non-traditional pet, check out our official guide on the best pet insurance for exotic pets

Healthy Paws

The most notable feature of a policy through Healthy Paws is the automatic unlimited annual maximums available to all policyholders of any plan level. Although limitless payout features do tend to make monthly premiums a little more expensive, in the grand scheme of things, a couple of dollars a month guarantees your pet will receive the medical care it needs, regardless of how costly.

Pros and Cons

Pros

  • Unlimited annual maximums for all plan dimensions
  • Covers alternative therapies like acupuncture, chiropractic care, hydrotherapy, etc. 
  • Average two-day turnaround time for claim review

Cons

  • No wellness coverage
  • No multi-pet discount
  • Excludes pets over the age of six from hip dysplasia coverage
  • Upper age limits

Relevant Inclusions

In comparing the terms and conditions from one pet insurance agency to the next, you’ll notice that alternative therapies are often either excluded entirely or available for an added fee. Healthy Paws, however, considers alternative treatment approaches as fundamental as conventional veterinary medicine, therefore including it in its solo accident-illness base plan — no questions asked. 

Relevant Exclusions

As attractive as unlimited annual coverage and standardized alternative therapy might sound to pet owners with senior dogs or cats, we wouldn’t recommend a Healthy Paws policy for older pets or larger breeds. Healthy Paws only permits initial enrollment for hip dysplasia for pets six and under, leaving pet owners with upper-aged animals alone on the frontlines to deal with the cost of hip dysplasia treatment. Healthy Paws also sanctions the breadth of coverage customizations available to you as your pet ages.

Moreover, Healthy Paws doesn’t offer preventative care coverage whatsoever. That’s a big no-no, in our opinion, unless you’re on the market for just emergency coverage in the first place. 

Cost

The average cost of a policy through Healthy Paws is almost higher than average, primarily due to its unlimited annual benefit. Dog owners should expect to pay anywhere between $35 to $50 per month, whereas cat owners will likely owe $13 to $16 per month. 

Exotic Animal Coverage

You guessed it — Healthy Paws only offers cat and dog insurance, just like most other pet healthcare providers. 

ASPCA

You may know ASPCA from its heart-wrenching TV commercials, but when it comes to pet healthcare solutions, there’s nothing sad about ASPCA pet insurance policies. As pioneers of the animal welfare system, ASPCA knows quality pet care like the back of its paw.

Pros and Cons

Pros

  • Covers microchip implantation fees
  • 10% multi-pet discount
  • Offers coverage for congenital and hereditary conditions 
  • No extended waiting period for knees or ligament events

Cons

  • Maximum annual coverage option of $10,000
  • Only three deductible choices
  • Monthly transaction fees apply

Plan Highlights

While most providers typically require a new policyholder to adhere to a minimum waiting period of 180-days for knee and ligament injuries, ASPCA only asks a member to hold off from filing a claim for the first 14 days of their active policy. Extensive waiting periods on emergency conditions like torn cruciate ligaments or knee damage can lead to lifelong issues in your pet, so we love that ASPCA prioritizes treatment for specific conditions.

Relevant Inclusions

For those who select coverage through ASPCA’s accident-illness policy, they’ll have access to reimbursable charges related to common chronic and congenital conditions like IVDD, hip and elbow dysplasia, eye complications, and heart disease. 

Relevant Exclusions

ASPCA’s list of exclusions is fairly minimal, limiting coverage on pre-existing conditions, controversial cosmetic procedures, and breeding costs. 

Cost

The average cost of coverage through ASPCA in Georgia lands somewhere around $35 to $45 per month for dogs and $20 to $30 for cats. These price ranges include basic preventative care coverage, which will cost members an extra $9.95 per month or $24.95 for more comprehensive routine coverage. 

Exotic Animal Coverage

Hold your horses because ASPCA offers pet insurance for cats, dogs, and all equine breeds! 

How Does Pet Insurance Work in Georgia?

Using pet insurance in Georgia is no different than in any other state. Unlike human healthcare, pet insurance doesn’t typically adhere to specific network limitations, meaning you’re eligible for reimbursement through any vet clinic, whether it’s in Athens, Atlanta, or not in Georgia at all, so long as a licensed veterinarian sees your dog or cat.

Once your pet has received the veterinary care it needs, you’ll be responsible for paying the vet directly to cover initial costs. Following the appointment, you can then file a claim for reimbursement through your provider, which will usually require you to include a copy of the vet bill from the office visit and answer a few contextual questions about the incident itself. After your claim is submitted, it’ll be reviewed and (hopefully) approved by your insurer, who will then initiate the reimbursement process within an estimated time frame. 

How to Choose the Best Pet Insurance in Georgia for You

Because pet insurance policies across different providers aren’t one and the same, you must take the time to find a plan that satisfies your budget and anticipated coverage needs. To find the best pet insurance for you and your pet, you’ll need to have a few things at hand, namely an understanding of your pet’s medical needs, a tentative monthly budget, and a loose idea of the kind of coverage you’re looking for. 

Most pet insurance plans are typically segmented into three primary coverage categories:

  • Accident-only: These are often the most basic plans offered by leading providers, providing pet owners with just enough coverage for emergency injuries but no insurance for surprise illnesses or preventative care services.
  • Accident-Illness:  If you’re on the hunt for more comprehensive coverage, an accident-illness policy will likely be your best bet, extending financial support for eligible unexpected injuries and illnesses, often including hereditary and chronic conditions. 
  • Wellness: Seldom are wellness plans sold as a base policy, but rather as package add-ons for a few extra bucks per policy period. Preventative care riders cover your tail for most routine care items such as checkups, vaccines, prescription medications, annual diagnostic tests, and more. 

Once you’ve got these things in order, you’re well on your way to finding a policy compatible with your pet’s healthcare needs. Here are a few other reflection questions to chew on as you shop for a match worthy plan:

  • Is a preliminary physical exam required for enrollment eligibility?
  • What doesn’t this policy cover?
  • Are there any monthly, quarterly, or annual processing fees to pay?
  • How exhaustive are annual limits, deductibles, and reimbursement rates?
  • How do this provider’s monthly premium estimates compare to the national average? Do they sit above, below, or snugly in the middle?
  • Does this provider increase premiums year over year? 
  • Is wellness coverage a priority for me and my pet?
  • What do current policyholders have to say about this provider and its commitment to customer care?

How Much Does Pet Insurance Cost in Georgia?

Even though the state of Georgia has a lower cost of living than the national average, pet owners still spend approximately $1,300 out-of-pocket on annual, regimented veterinary care — so things like wellness exam fees, routine vaccines, blood work, parasite prevention, etc. 

On the other hand, emergency care is going to cost you a pretty penny and then some. On average, one emergency vet visit costs between $800 to $1,500+, assuming your pet doesn’t require extended hospitalization or surgery, which can slap another thousand or two onto your total. 

Pet insurance in Georgia doesn’t have a fixed price. Although average rates vary across providers, your personalized premium will ultimately be shaped by where in Georgia you live, as well as your pet’s species, breed, age, and medical history. 

While we can’t tell exactly how much pet insurance will cost for you and your pet, we’ve curated a few estimates based on a pet owner in Atlanta, Georgia, pursuing accident-illness policies, to give you a general idea of what you might spend.

Each quote generated across all five providers only considers the most popular plan customizations of strictly accident-illness policies. For the columns designated to sample premiums for dogs, our stand-in dog alias was a 2-year-old mixed medium breed dog with no previous medical concerns. And for our cat insurance estimates, we inputted the info of a 2-year-old domestic short-haired breed with a clean bill of health as well. 

Sample wellness costs for our dog and cat quotes selected the most basic add-on available. 

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $34.72 $20.67 $44.67 for dogs; $30.62 for cats
Lemonade $17.67 $11.83 $33.67 for dogs; $21.83 for cats
Embrace $39.36 $21.34 $58.11 for dogs; $40.09 for cats
Healthy Paws $31.76 $16.31 N/A
ASPCA $34.72 $20.67 $44.67 for dogs; $30.62 for cats

Final Thoughts

While the number of pet insurance companies around is seemingly abundant, as you dig deeper into your research, you’ll come to realize that only a handful of providers will be realistic candidates for you. The core purpose of pet insurance is to alleviate any looming anxiety that you won’t be able to provide for your pet when the unthinkable happens. Much like a spare tire, once you have it, you shouldn’t be worrying about whether or not it’ll work when you need it. 

Even though we stand by the fact that the earlier you enroll your pet, the more valuable pet insurance will be, don’t heed that as a sign to race through the groundwork. Before you check any boxes or sign any lines, make sure you generate a few custom pet insurance quotes from your top selection of providers to see your coverage options from a comparative standpoint. 

Information for Pet Owners in Georgia

From B.Y.O.P (bring your own pup) bars to the Tails on Trails pet-friendly state park trail system, Georgia is teeming with plenty of pet-friendly activities, so you won’t have to leave your dog at home whenever you want to get out of the house for a bit. 

On a more serious note, from deadly rattlesnakes to dangerous major highways to scorching summer temperatures, there are plenty of risks to be aware of as a pet owner in Georgia. Fortunately, the state of Georgia instates a handful of pet-related laws, which we’ll cover below, designed to keep both you and your pet out of trouble. 

Georgia Pet Laws

Georgia enforces several laws explicitly pertaining to dogs to ensure appropriate pet safety measures for Georgia residents and anyone visiting or traveling through the state. At the forefront of its pet laws is Georgia’s “Responsible Pet Ownership Law,” which states that dogs classified as vicious must be registered with municipal animal services by its owner, who must also carry at least $50,000 in liability insurance should the dog attack another person or domestic animal. 

As far as leashes go, Georgia does not enforce statewide leash laws. However, most cities across the state prohibit dogs from running loose within city limits, except for designated off-leash areas like dog parks. Moreover, dog owners in Georgia are generally expected to keep a leash no longer than six feet on their dogs at all times while off their personal property. 

Because summer temperatures in Georgia average above 95 degrees per day, leaving your dog tethered outside while unattended is wholly illegal across a number of counties in Georgia. Others permit tethering for a set period of time or as long as the dog is not left unsupervised. 

Last but not least, leaving your dog in a hot car could very well constitute an animal cruelty offense in Georgia. Under no circumstances — not even with the windows cracked — should any animal be left in a vehicle without its owner. If your pet can’t come inside a public space with you, leave it at home. 

Fun Things to Do with Your Pet in GA

Now, enough of the catty stuff — let’s run through a few must-see pet-friendly destinations for both locals and tourists to explore with their doggos:

  • Don Carter State Park, Gainesville — Located around the edges of Lake Lanier, Don Carter state park offers 14.5 miles of both paved and unpaved trails to trek through with your pup. If you’re interested in a multi-day stay, this Georgia state park also has cozy pet-friendly cabins available for booking. 
  • Jekyll Island Beach — On those scorching Georgia summer days, cooling off with a dip in the ocean is a must for dogs (and people.) With year-round access for both four-legged and two-legged visitors, Jekyll Island is among one of the most popular pet-friendly locations along the Georgia coast. Dogs must remain on leashes at all times while visiting Jekyll Island. 
  • Fetch Park O4W, Atlanta — Fetch Park, located in the Old Fourth Ward neighborhood of Atlanta, is the dog park-bar hybrid you’ve been dreaming of. With a $10 a month membership, approved dogs can be let off-leash to roam the park while you unwind at the “BARk” to enjoy a drink with friends and fellow pet parents. 

Georgia Pet Resources

We understand that even the lowest pet insurance premiums on the market still aren’t doable for all pet owners. Even if traditional pet healthcare coverage options aren’t in your price range right now, some low-cost financial support options are available to pet parents all across Georgia. Here are a few reputable animal welfare services that may be able to help you out:

  • Affordable Veterinary Services (Muscogee County) — Offers an array of low-cost veterinary services to pet owners grappling with financial instability.
  • Paradox Spay/Neuter Clinic (Walton, Newton, and Rockdale) — Provides affordable heartworm and fecal testing, heartworm treatment, parasite prevention, and spay/neuter procedure.
  • Pets Are Loving Support, Inc. (Atlanta) — Sponsors veterinary medical support for pets belonging to owners with HIV/AIDS, terminal illnesses, and the elderly. PALS will provide qualifying individuals with free food for their pets, as well as low-cost vaccinations, heartworm testing, and parasite prevention.  

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.