Best Pet Insurance Companies In Alabama For 2024

Lemonade Pet Insurance is my top choice for Alabama’s best pet insurance company.

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Updated: 23 February 2024
Written by
Doug Schaffer
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Our team of pet insurance experts thoroughly analyzed quotes from eighteen different pet insurance companies to determine the best overall coverage for various scenarios in Alabama. Lemonade Pet Insurance emerged as the top choice, excelling in both providing comprehensive coverage and offering budget-friendly options, particularly for owners of young pets.

It’s important to highlight that while Lemonade Pet Insurance was our top pick, three other companies—Embrace, ASPCA, and Pets Best Pet Insurance—stood out in their respective categories.

In the following sections, we will delve into some of Alabama’s top-ranking pet insurance options and explore how different factors can influence total premiums.

Best Pet insurance In Alabama, 2024

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best For Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best For Owners Of Young Pets - Lemonade Pet Insurance
aspca
Best For New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best For Cat Owners - Embrace Pet Insurance
Best Pet insurance, Alabama, 2024

Compare The Best Pet Insurance Companies In Alabama

Overall Rating Best For Average Annual Cost for Dogs Average Annual Cost for Cats Coverage Waiting Period Get A Quote
Lemonade Pet Insurance
4.7

Affordable Coverage

$48.81

$27.56

2 days for accidents and 14 days for illnesses

Instant Quote
Embrace
4.7

Cat Owners

$48.25

$20.44

48 hours for accidents and 14 days for ilnesses

Instant Quote
Lemonade Pet Insurance
4.7

Overall Coverage

$48.81

$27.56

2 days for accidents and 14 days for illnesses

Instant Quote
Pets Best
4.5

Owners Of Multiple Pets

$41.39

$29.54

3 days for accidents and 14 days for ilnesses

Instant Quote
Lemonade Pet Insurance
4.7

Owners Of Young Pets

$48.81

$27.56

2 days for accidents and 14 days for illnesses

Instant Quote
ASPCA
4.6

New Pet Owners

$83.30

$38.67

Immediately for preventive care and 14 days for illnesses and accidents

Instant Quote
Scroll to see comparisons

Our Methodology

In order to determine the cheapest pet insurance rates in Alabama, our team looked at findings from various pet insurance companies in the state. Additionally, we used the combined 25 years of experience of our insurance experts to rank each pet insurance carrier. Please note that while the rates we've listed here in this guide are accurate at the time of publishing, insurance premiums can shift daily in either direction and may fluctuate depending on your pet’s breed or age.

42

Quotes Analyzed

25+

Years Of Industry Experience

27

Brands Reviewed

32+

Research Hours

The Best Pet Insurance Companies In Alabama


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

There are multiple factors that contribute to determining the best pet insurance company in a particular area. Customer service, affordability, and claims processing speed are among the key considerations.

Lemonade Pet Insurance emerged as a top performer in several categories in Alabama, offering reasonable monthly rates of $35.18 for dogs and $18.41 for cats.

In addition to its competitive rates, Lemonade received high ratings from Alabama pet owners for its customer service experience. The company’s team members demonstrate a genuine concern for animals, reflected in the excellent service they provide to policyholders.

Benefits & Drawbacks

Benefits
  • Quick 2-day waiting period for accidents
  • Outstanding claims processing department in the industry
  • Multiple discounts accessible
  • A portion of monthly premiums contributes to nonprofit organizations
Drawbacks
  • Certain pet breeds face age restrictions for enrollment
  • Policies are not accessible in all states
  • Pet owner credit and claim history are considered in determining insurance rates

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

Many pet owners aspire to secure insurance protection for their beloved companions, yet there’s a common misconception that coverage is costly. However, Lemonade Pet Insurance demonstrates that pet insurance doesn’t have to break the bank. For instance, the average monthly premium for cat owners is just $18.41, while dog owners pay approximately $35.18.

Furthermore, Lemonade Pet Insurance provides various discounts, such as bundling opportunities that can reduce costs by up to 15%, making coverage even more accessible. Additionally, their user-friendly mobile app allows policyholders to easily and efficiently manage their pets’ policies.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Faster claims processing compared to other major competitors
  • A variety of available discounts
  • The company allocates a portion of the policyholder's premium to nonprofit organizations
Drawbacks
  • Coverage exclusion for certain pet breeds beyond a specific age
  • Limitations in coverage based on your state of residence
  • Consideration of pet owner credit and claim history in determining insurance rates

Best For Cat Owners

Overall Rating
4.7

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

If you’re a cat owner residing in Alabama and in search of the ideal insurance policy for your feline friend, Embrace Pet Insurance deserves your attention. This company provides cat insurance at very affordable rates, with an average monthly premium cost of just $20.44.

What sets Embrace apart is its commitment to supporting local charities, exemplified by their donation of two dollars for each policy sold.

Additionally, Embrace Pet Insurance has established partnerships with several major car and home insurance providers, including USAA, Allstate, and GEICO. This collaboration further enhances their reputation as a trusted pet insurance provider.

Benefits & Drawbacks

Benefits
  • Budget-friendly policy choices
  • Most standard policies provide coverage for treatable pre-existing conditions
  • Pet owners with pets in need of orthopedic care can bypass the waiting period with a vet examination
Drawbacks
  • Senior pets aged 14 and older are eligible only for accident-only policies
  • Supplementary coverage is not included in standard policies

Best For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

Many individuals opt to adopt young pets who will grow alongside their family. While kittens and puppies bring excitement, the additional responsibilities of owning a young pet can initially feel overwhelming. In addition to proper training, it’s essential to partner with a pet insurance company that simplifies the process of obtaining and managing coverage.

Lemonade Pet Insurance offers an ideal blend of affordability and user-friendly features. With its mobile app providing easy navigation and a top-notch customer service team, Lemonade ensures a seamless experience for pet owners. Moreover, with average rates of just $18.14 for cats and $35.18 for dogs, Lemonade’s pricing remains budget-friendly.

For owners of young pets, Lemonade Pet Insurance stands out as the optimal choice, providing peace of mind and financial security amidst the joys and challenges of pet ownership.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Faster claims processing compared to other major competitors
  • A variety of available discounts
  • The company allocates a portion of the policyholder's premium to nonprofit organizations
Drawbacks
  • Coverage exclusion for certain pet breeds beyond a specific age
  • Limitations in coverage based on your state of residence
  • Consideration of pet owner credit and claim history in determining insurance rates

Best For Owners Of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

If you have multiple pets, you’re likely aware that caring for them involves increased expenses for essentials like food, toys, and veterinary care. However, owning multiple pets can also have its advantages, especially when it comes to purchasing pet insurance.

Many pet insurance companies, such as Pets Best, offer discounts for policies covering more than one animal.

In addition to its multi-pet discount, Pets Best provides reasonably priced monthly rates. For example, the average monthly premium for cat insurance is $29.54, while dog insurance costs just $41.39 per month.

Pets Best offers policyholders several benefits, including access to a 24/7 vet helpline for emergencies. Furthermore, they extend coverage to pets with disabilities or those requiring special prosthetic devices, ensuring comprehensive care for all furry family members.

Benefits & Drawbacks

Benefits
  • Coverage includes pets in need of wheelchairs or prosthetic devices
  • Access to veterinary assistance through the 24/7 vet healthline
  • A short 3-day waiting period for accident coverage
  • Flexible options for accident and illness policy coverage
Drawbacks
  • Claims processing typically has a slower pace compared to other competitors
  • Policy changes are only permissible during the renewal period

Best For New Pet Owners

Overall Rating
4.6

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For new pet owners, it’s crucial to choose a pet insurance company with a reputable track record and a strong commitment to promoting animal health, such as ASPCA.

While ASPCA may have slightly higher premiums compared to other providers, with dog insurance priced at $83.30 and cat insurance at $38.67 monthly on average, the benefits of purchasing coverage through ASPCA outweigh the costs. For instance, ASPCA does not impose a pet age limit, allowing senior pets to be insured regardless of their age.

ASPCA also offers additional insurance coverage for alternative therapies and behavioral issues, which can be particularly beneficial for certain dogs. These added benefits further enhance the value of ASPCA’s pet insurance policies.

Benefits & Drawbacks

Benefits
  • Coverage encompasses items such as alternative therapies, behavioral issues, and congenital conditions
  • Short 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Standard policies include coverage for vet clinic visit fees related to illnesses and accidents
Drawbacks
  • Unlimited annual coverage can only be obtained through an agent
  • Limited deductible options available

Average Cost Of Pet Insurance In Alabama

Average Cost In Alabama — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $13
Sphynx $12
Siamese $18
Maine Coon $22

Average Cost In Alabama — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $16
Labradoodle $33
Greyhound $60
Newfoundland $81

Average Cost In Alabama — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $26
Pets Best $30
TrustedPals $31
Figo $38
ASPCA $47

Average Cost In Alabama — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $32
Pets Best $37
Lemonade $45
Trusted Pals $47
Healthy Paws $53

How To Find The Best Pet Insurance Company For You

Selecting the right pet insurance is akin to choosing life or health insurance for yourself. Before comparing rates, it’s essential to understand the specific features to look for in pet insurance coverage.

Many companies provide coverage solely for accidents, while others offer an accident and forgiveness plan. Each plan has its advantages and is suitable for different situations.

Young pets are less prone to age-related illnesses common in older pets, making an accident-only policy preferable for this age group. Conversely, breeds with a high risk of certain health conditions may benefit more from a comprehensive plan rather than accident-only coverage.

Additionally, consider the length of the waiting period, as each pet insurance carrier sets its own waiting period for illnesses and accidents. Conduct thorough research to determine which policy best suits your needs and those of your pet.

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How To Buy Pet Insurance Online In Alabama

If you prefer the convenience of purchasing pet insurance from your home or office, the process has never been simpler with the availability of online platforms like Insuranceopedia. To expedite the process, there are several tasks you can accomplish ahead of time and while filling out the application.

Collect all necessary information before you begin. This includes details such as your pet’s type, breed, age, medical history, and any documentation related to their lineage.

1

If you prefer the convenience of purchasing pet insurance from your home or office, the process has never been simpler with the availability of online platforms like Insuranceopedia. To expedite the process, there are several tasks you can accomplish ahead of time and while filling out the application.

2

Compare quotes from at least three different pet insurance carriers to ensure you’re getting the best value for your money.

3

Narrow down your choices to one preferred provider, then purchase a policy and inform your veterinarian about your pet’s new insurance coverage.

4

Factors That Impact Cost Of Your Pet Insurance Policy In Alabama

Many pet owners believe that the monthly premium for their pet’s coverage is determined by only a couple of factors, but in reality, several elements contribute to establishing a rate for pet insurance. These pricing components include:

Breed

The type of animal and breed of pet significantly influence pet health insurance prices. While there may not be a wide difference in premiums for many dog breeds, certain breeds are considered high risk due to their predisposition to health issues.

For example, breeds like Bulldogs and Boxers often have a history of skin problems and sinus issues, resulting in higher insurance costs due to the increased likelihood of health problems.

Age

The age of your pet is a significant factor in the quotes you receive from pet insurance providers. While some carriers offer affordable prices regardless of age, others may have age restrictions or higher premiums for older pets. Therefore, if you own a senior pet, it’s essential to shop around to find the best-priced pet insurance.

Insurance Type

When purchasing a pet insurance policy, you typically have two main options: accident-only coverage or comprehensive coverage including both accidents and illnesses. While both plans offer protection for your pet, comprehensive policies usually come with higher premiums. It’s essential to assess whether the added coverage justifies the increased cost.

Location

While there isn’t usually a significant difference in pet insurance premiums from city to city, some regions within a state may be considered high risk due to an increased number of claims. Pet insurance companies may consider regional pricing when evaluating applications for coverage.

Pet Insurance Discounts In Alabama

Similar to other forms of health insurance, pet insurance costs can vary depending on your location in Alabama. Discounts are an effective way to reduce the overall price of a pet health insurance policy. However, it’s important to note that not all pet insurance providers offer the same discounts. Therefore, it’s worthwhile to explore the options outlined below:

  • Special service animal discounts
  • Multi-pet discount
  • Employee union discounts
  • Employer sponsored discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts

Alabama Pet Insurance Laws To Know

Numerous bills and laws exist to provide protection for animals and their owners. For example, a recent House Bill was introduced and enacted into law concerning the use of a dog’s breed in decisions related to homeowners’ and renters’ insurance.

Prior to the passage of this bill, insurance companies could cancel a policy, deny coverage to an applicant, or impose higher premiums based on the breed of a pet. However, House Bill 2323 now prohibits insurance carriers from discriminating based on a dog’s appearance or breed, making it unlawful to do so.

In The News

  • Senate Bill 1053, that allows vets to establish a veterinary/client relationship via telemedicine, was signed into law by Governor Katie Hobbs
  • Since June 30, 2023, insurance companies in Alabama are prohibited by law in using breed as the only factor in underwriting decisions on dog pet insurance

FAQs

Do all vets take pet insurance in Alabama?

As a general practice, all veterinary clinics in Alabama accept pet health insurance. This is because pet owners typically pay for their pet’s medical expenses upfront and then seek reimbursement from their pet insurance carrier.

How much is pet insurance in Alabama?

Similar to other states across the nation, cat owners in Alabama generally pay less for pet insurance coverage compared to dog owners. On average, cat insurance premiums in Alabama have a monthly cost of $27.56, whereas dog insurance is typically priced around $48.81 per month.

Do I legally have to insure my pet in Alabama?

No, pet insurance is not a legal requirement in Alabama for insuring your dog or cat. However, it is strongly recommended for pet owners to consider obtaining insurance coverage for their pets.

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