Best Pet Insurance In Georgia 2024

Here are the best pet insurance companies in Georgia:

• Pets Best – Great For Choices Of Deductible
• Lemonade – Best Price For Kittens And Puppies
• ManyPets – Best For Lowest Out-Of-Pocket Claims Costs
• Embrace – Best For Superior Benefits
• Figo – Great For Short Waiting Period For Accident Coverage
• TrustedPals – Great For Service Dogs

Your pet insurance cost is influenced by factors like your pet’s age, gender and breed. Your location will also influence your monthly payment since vet costs can fluctuate by ZIP code.  Here are averages to give you a sense of what you might pay.

Costs for Georgia pet insurance with $5,000 annual maximum coverage

Company	Monthly pet insurance cost in Georgia
Lemonade	$17
Pets Best	$21
TrustedPals	$29
Figo	$32
Petplan	$37
ASPCA	$41
Spot	$41
Embrace	$43

Costs are for a plan with a $5,000 annual coverage maximum ($4,000 for TrustedPals), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Source: PetInsurer.com.

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Costs for Georgia pet insurance with unlimited annual maximum coverage

Company	Monthly pet insurance cost in Georgia
Lemonade	$20
ManyPets	$20
Pets Best	$24
Figo	$42
Healthy Paws	$42
TrustedPals	$42
Nationwide	$52
Trupanion	$52
Prudent Pet	$57
Embrace	$60
Spot	$66
Petplan	$75

Costs are for a plan with unlimited annual coverage ($30,000 for Embrace and $100,000 for Lemonade), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Source: PetInsurer.com.

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Georgia pet owners have multiple pet insurance policy options. Here’s a breakdown of the types of plans.

Accident-only plans

Let’s say your Doberman burned his paws while playing on the asphalt for too long or your Maine Coon sprained his hind leg when jumping from the top of the fridge; accident-only plans can help pay for medical expenses.

Accidents covered under this plan include:

• Foreign object ingestion
• Toxic ingestion
• Sprains
• Broken or fractured bones
• Bites or other lacerations from an encounter with another animal
• Ligament tears

Accident and illness plans

This plan offers more robust coverage by covering accidents and illnesses. Whether your Siberian Husky guzzled seawater making her ill or your aging Rag Doll gets lymphoma, an accident and illness plan will help cover the vet costs.

Accidents and illnesses covered under this plan include:

• Accidents, such as dental trauma or broken toenail
• Illnesses, such as giardia, cancer and pneumonia
• Dental illnesses, such as gingivitis
• Genetic or breed-specific conditions, such as Intervertebral Disk Disease (IVDD) or hip dysplasia
• Surgeries
• Hospitalizations
• Prescription medications
• Testing such as MRIs or bloodwork
• Holistic or alternative processes such as laser therapy or chiropractic care

Wellness plans

You usually want to schedule an annual visit for a routine check-up. These visits often require vaccines and preventive prescriptions like flea and tick medications. Some pet insurance companies offer wellness and routine care plans to help offset these costs. You can often add a wellness plan to accident and illness pet insurance.

Wellness plans typically cover:

• Routine check-ups
• Heartworm and flea/tick prevention
• Vaccinations

Pet insurance is reimbursement based, meaning you’ll typically have to pay your vet expenses up front and then submit a claim for reimbursement. When you buy a pet insurance plan, you’ll typically get to choose the amounts for the following:

• Deductible: Before your pet insurer picks up any vet costs, you must pay the deductible toward vet bills. Standard pet insurance deductible amounts can range anywhere from $50 to $250.
• Reimbursement level: The percentage of vet expenses your pet insurer pays for is known as the reimbursement level. You can usually choose reimbursement levels, such as 70%, 80% or 90%. Some companies, like Figo pet insurance, offer 100% reimbursement.
• Coverage: While some pet insurance companies offer unlimited annual coverage, others apply a coverage cap to your policy. For example, Lemonde pet Insurance offers coverage caps ranging from $5,000 to $100,000.

Here’s an example of how a pet insurance claim typically works:

• You visit your vet.
• You pay the vet bill and get a copy of the itemized receipt.
• You submit a claim to your pet insurer.
• If your pet’s treatment is covered by your policy, you will be reimbursed (after you pay your deductible, if applicable).

Finding the best pet insurance plan in Georgia means comparing all available options. Price, reimbursement levels and coverage aren’t the only factors to consider. Here are a few other things you will want to review during your search.

Waiting periods

A waiting period is the amount of time the insured must wait until the policy goes into effect. All pet plans have waiting periods but differ depending on the insurance company. For example, Pets Best pet insurance has a three-day accident waiting, whereas ASPCA pet health insurance has a 14-day accident waiting period.

Some companies also apply longer waiting periods (six months to a year) for conditions like hip dysplasia or cruciate ligament issues. If one of these conditions is common to your pet’s breed, it’s a good idea to explore other plan options.

Routine care add-on

Insurers like Embrace and TrustedPals offer routine care coverage. Identifying pet plans with wellness coverage can help you maintain your pet’s health without financial stress.

Exam fees

A trip to the vet often requires you to pay an exam fee. Unfortunately, some insurers exclude exam fees from coverage. If you want this expense covered, look for an insurer that covers exam fees, such as TrustedPals.

Extra perks

One common perk is a 24/7 vet helpline that provides access to veterinarians any time of the day or night. Not all insurers offer this service, so if this is important to you, go with a pet insurance company that offers a 24/7 vet helpline.

Nationwide pet insurance offers special pricing on prescription drugs to pet owners through its partnership with Walmart pharmacies.

Discounts

If you are insuring more than one pet, it’s a good idea to look for a company that offers a multipet discount. Other discounts to look for include a spay/neuter discount or a group discount through your employer.

Claim filing process

When something happens to your pet, you don’t want to worry about a tedious claim-filing process. Many insurance companies let you complete the claim process through a mobile app or online, making it easier to submit a claim.

Some pet insurance companies, like Trupanion, offer the ability to pay your vet directly. This can help reduce the amount of money you pay out of pocket while waiting for reimbursement.

In Georgia, there are various laws governing pet ownership, such as:

• All dogs and cats must receive a rabies vaccination from a licensed vet.
• All dogs classified as dangerous due to a vicious bite or attack must have registration certificates.
• All dangerous dogs must also remain on the owner’s property unless restrained by a leash six feet or less.
• You must obtain a pet dealer license if your pet has more than one litter within a year.

In addition to state laws, local municipalities set forth rules and regulations regarding the care of your pet. Here are some examples of local ordinances.

Columbus pet laws

Pet owners in Columbus, Georgia, with dogs and cats age four months and older must purchase a permit with the Special Enforcement Division/Animal Control Section of the Columbus Consolidated Government.

When visiting public parks in Columbus, you must restrain your pet by either a leash or maintain complete control of the pet.

Female dogs are not allowed in public spaces while in heat.

If you have more than six dogs and/or six cats age six months or older, you must get a private or hobby kennel license if the sole purpose of ownership is to keep them as personal or family pets.

Augusta pet laws

Local law in Augusta, Georgia, restricts anyone from owning a dog or cat age four months or older that has not been vaccinated against rabies. All dogs that are in public spaces must be restrained by a leash or enclosure such as a vehicle or cage.

Cats or dogs found running around public spaces may be impounded in the Augusta-Richmond County animal control department shelter.

Savannah pet laws

A vaccination and license tag is required for all dogs and cats age four months or older in Savannah, Georgia. Any dog or cat that receives a tag must wear it around its neck with a collar.

All dog owners must clean up excrement on public property and properly dispose of it.

It is unlawful for any pet owner to leave an unattended animal in an unventilated vehicle in Savannah.

Savannah residents are prohibited from owning more than eight cats unless all animals are always confined to the living spaces within the property.

Any person caring for a stray animal is deemed responsible for the animal unless the rightful owner is located. Additionally, you can only provide care on your private property and not the property of others or public spaces.

We used data provided by PetInsurer.com to score each pet insurance company based on the following.

Average plan prices (40% of score): We averaged pet insurance quotes for each insurer for a mixed-breed dog at two ages in Georgia.

Plan benefits (60% of score): We scored pet insurance plans based on the following important features: Annual coverage choices, whether the plan can pay a veterinarian directly, access to a 24/7 vet line, availability of routine wellness coverage, whether the plan pays the vet exam fee, pet dental illness coverage, end of life coverage, and multipet discount.