Your furry friend deserves protection.

But pet insurance can be expensive — unless you know where to look.

We researched 2025’s most affordable & reliable pet insurance options in the US that cost under $20/month. Yes, really!

🐾 Why Pet Insurance Matters

• Vet visits are expensive — surgeries can cost $3,000+
• Accidents happen — even indoor pets aren’t fully safe
• Pet insurance gives peace of mind at a low cost

🔍 Best Affordable Pet Insurance Plans (Under $20)

🥇 1. Pumpkin Insurance

• Price: ~$18/month (cat), ~$22 for dogs
• Coverage: Accidents + illness
• Annual limit: $10,000
• Pros: Covers exam fees & dental illness
• Cons: Slightly higher for large breeds

🥈 2. Figo Pet Insurance

• Price: Starts at $14/month
• Customizable coverage
• 24/7 virtual vet access
• Good for both cats & dogs

🥉 3. ASPCA Pet Health Insurance

• Price: Starts at ~$15/month
• Covers behavioral issues too
• Simple claims process

✅ Tips to Save Even More

• Start early: Premiums are cheaper for younger pets
• Higher deductible = lower monthly cost
• Compare multiple plans using sites like Pawlicy or Policygenius

🐶 Is It Worth It?

If your pet swallows something weird, or develops a chronic illness — you’ll be glad you have it.

Even under $20/month plans can save you thousands later.

Best Pet Insurance Under $20/Month – FAQ

❓ Is pet insurance worth it in 2025?

Yes, especially with rising vet costs. Even basic plans under $20/month can save you thousands in emergencies.

❓ What does pet insurance usually cover?

Most plans cover accidents, illnesses, surgeries, and some include dental and behavioral care.

❓ Can I get pet insurance for older pets?

Yes, but premiums may be higher. Try providers that don’t have strict age limits like Figo or ASPCA.

❓ Do I have to pay the vet bill first?

Yes, usually you pay upfront and then submit a claim for reimbursement (most within 5–15 days).

❓ Are pre-existing conditions covered?

No. Like human insurance, pre-existing conditions are typically excluded.