5 Best Affordable Pet Insurance Providers for Dogs & Cats in 2024

We recommend Pumpkin as the best insurance provider for senior pets. Even healthy pets can benefit from insurance as they age due to increased risk of breed-specific conditions and severe health issues.

Because older pets are at an increased risk of health issues, getting pet insurance for them can be expensive. This doesn’t mean you can’t find cheap cat insurance for your aging feline friends—with some research, you can find the cheapest pet insurance for cats in the market without sacrificing quality.

Pumpkin's policy generously covers hereditary, congenital, and chronic conditions with 90% reimbursement—essential for aging pets. They also support you during your pet's final journey, covering end-of-life services like euthanasia, cremation, and burial.

Fetch is an excellent choice when considering costs—it offers wide-ranging coverage at a surprisingly affordable rate. Unique features include up to $1000 each for lost pet recovery and boarding fees if hospitalization prevents you from caring for your pet.

When it comes to covering those unexpected incidents, Fetch is the ideal insurance provider. Pet insurance is more than just great coverage for regular check-ups and medical conditions—the right policy can also cover unexpected incidents such as a broken leg or an emergency visit to the vet because Fido decided to swallow something he shouldn’t have. The real value of a cheap but good pet insurance plan really comes into play when dealing with unexpected illnesses, accidents, and other unforeseen scenarios.

While many pet insurance companies offer coverage for congenital conditions, we think MetLife goes way beyond the basics by offering comprehensive protection for congenital, chronic, and hereditary conditions. Conditions such as patella luxation, pancreatitis, cancer, and abscesses—all of which can require expensive treatments—are usually covered by MetLife.

Although it's possible for some congenital conditions not to cause serious issues or to resolve on their own, you can't rely on it. Whether hereditary or the result of action or exposures during pregnancy or birth, these conditions often require long-term, expensive medical treatment.

We think Embrace Pet Insurance deserves a gold star when it comes to coverage for the youngest four-legged members of your family. While other companies out there also offer wellness coverage, Embrace’s Wellness Rewards program has some unique perks perfect for kittens and puppies. From the first vaccinations to preventives and microchipping, Embrace's got your back (and your wallet's).

It’s hard not to get excited when new playful purrs and wagging tails join the family. But while bringing a new puppy or kitten into your home is a lot of fun, the expenses that tag along with your new furball aren’t quite as exciting. This is where Embrace will set your mind at ease.

Depending on the breed of your new furry friend, they might require frequent visits to the beauty salon (grooming), as well as boarding during family trips, a healthy diet, and regular vet check-ups. Even essential vet expenses like puppy vaccinations to protect against life-threatening diseases can quickly add up to a small fortune.