The days are getting warmer in Georgia, which in the south means your pet will be out and about even more than they usually are. Unfortunately, that also means your pet is more vulnerable to accidents and illnesses.
Before the spring and summer get here, it’s a good idea to make sure that the best pet insurance completely covers your pet you can get.
Of course, each pet insurance company in Georgia has different prices, coverage limits, deductibles, and reimbursements. That’s why we’ve put together our list of the best ten pet insurance companies in the Peach state, so you don’t have to.
A Quick Look at Our Winners in 2023
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The 10 Best Pet Insurance Providers in Georgia
1. Pets Best – Best Overall
Pet’s Best has a wide range of deductibles to fit almost any budget. Their deductible choices are $50, $100, $200, $250, $500, and $1,000. Their reimbursement choices are 70%, 80%, and 90%, so you have a wide range of choices.
Pet’s Best has a 3-day accident coverage waiting period, which is one of the best ones on our list. They also offer a 24/7 pet telehealth line. In addition, the company provides a 5% multi-pet discount per pet and, as previously stated, has a wide range of deductible choices.
The company will also pay your vet directly if the vet agrees; that way, you don’t have to pay the vet yourself and wait to be reimbursed for the cost.
Pets Best can have long waiting periods, such as six months for reimbursement on cruciate ligament issues.
Lemonade pet insurance is one of the more popular pet insurance companies in Georgia. Their deductible choices are $100, $250, and $500; the reimbursement choices are 70%, 80%, and 90%. They have 20% discounts available, and wellness plans are available as well. They have a 48-hour waiting period for accidents and the lowest prices for young pets we could find.
There are a few disadvantages associated with Lemonade pet insurance as well. For example, they exclude many invasive procedures, and have no dental coverage for pets under two years old. Also, Lemonade will not enroll a pet that is over 14.
Spot pet insurance has deductible choices of $100, $250, $500, $750, and $1,000 and reimbursement rates of 70%, 80%, and 90%. The great thing about Spot is that they have no upper age limit and are valid anywhere in the US and Canada. They also cover alternative treatments for your pet as well.
Their monthly premiums are higher than some of the companies on the list, and they charge a $2 transaction fee for monthly payments. Unfortunately, they don’t have weekend customer service either, so if you have a claim on the weekend, it will have to wait until the next business day.
Fetch has deductibles at $250, $300, and $500, which is pretty limited but good for budgeting. The reimbursement choices are 70%, 80%, and 90%. They have many ways to customize your plans and cover unexpected costs in their plans as well.
The only drawback to Figo is that they only have one comprehensive plan with no add-ons. In addition, a vet exam is required before they cover older pets, and they offer no preventative health care plan.
5. Embrace Pet Insurance
Embrace Pet Insurance is a great option for the money. Choose from deductible choices of $200, $300, $500, $750, and $1,000. Their reimbursement choices are 70%, 80%, and 90%.
The value comes in with the multi-pet discount, vet visit coverage for illnesses or accidents, and the wide range of annual, deductible, and reimbursement options.
Plans come with a diminishing deductible, which means that your deductible will be reduced by $50 for every year you don’t put in a claim to the pet insurance. The company also offers wellness plans.
Embrace has a 6-month waiting period for orthopedic conditions and does not provide coverage for pets over 14 years of age.
6. Healthy Paws
Healthy Paws pet insurance has deductibles that range from $100 to $1,000, depending on the age of your pets. In addition, the reimbursement choices range from 50% to 90%, depending on your pet’s age as well.
Healthy Paws has no annual maximums and a 2-day claim review turnaround on most claims. They also include alternative treatments such as hydrotherapy, acupuncture, and chiropractic care. The lack of yearly limits makes monthly payments a bit higher than average, but it’s well worth it to some pet owners.
Healthy Paws does not provide a multi-pet discount or wellness coverage, and it will not enroll pets over 14 years old.
ASPCA pet insurance features deductible choices of $100, $250, and $500. Their reimbursement choices are 70%, 80%, and 90%. In addition, they offer a 10% discount for pet parents with multiple pets. They also have no special waiting periods for specific conditions such as congenital and hereditary illnesses.
They have wellness plans available and cover microchipping also. ASPCA has a limited deductible choice and a 14-day waiting period for accidents, which is one of the longest on our list.
8. Many Pets
Many Pets pet insurance has deductible choices of $100, $250, and $500 and reimbursement rates of 80%, 90%, and 100%, making them the highest on our list. They also cover vet exam fees for illnesses and accidents.
What sets Many Pets apart from the others on the list is that pet owners in Georgia can choose both a 100% reimbursement and 0% deductible, meaning you’ll pay no out-of-pocket costs. Many Pets also has deals for new customers, such as 24-hour waiting periods if you’re switching from another insurance company.
However, the company doesn’t cover behavioral therapy and has no 24/7 pet helpline.
Figo pet insurance has deductibles that vary by the age of your pet. They also offer reimbursement options of 70%, 80%, 90%, and 100%. A unique fact about Figo is that it can help connect your pet and you to specific events, such as doggie playdates.
It has routine wellness plans available and provides one-day waiting periods for accident claims.
The drawback is that Figo has a 6-month waiting period for knee injuries. They don’t cover dental treatments for pets, and vet exam coverage costs extra. They also only cover prescription food for bladder stone treatment.
TrustedPals pet insurance has deductible choices of $0, $100, $250, $500, and $750 and reimbursement rates of 70%, 80%, 90%, and 100%. You can choose the plan for a $0 deductible and 100% reimbursement as well. The company provides a 5% discount for service dogs and covers certain vet fees such as illnesses and accidents.
TrustedPals does not have a 24/7 pet helpline and require a 12-month waiting period for issues such as hip dysplasia and cruciate ligaments. However, with the deductible and reimbursement choices, this pet insurance earned a place at number nine on our list.
Buyer’s Guide: Choosing the Right Pet Insurance Provider in Georgia
What to Look for in Pet Insurance In Georgia
When looking for affordable pet insurance in Georgia, most of the companies on our list fit the bill. Most offer accident, illness, accident-illness, and even wellness plans. We’ll discuss what you need to look for when searching for the right pet insurance for your pet in the sections below.
Policy coverage is one of the first things you should look for when purchasing pet insurance in Georgia. Next, you want to search for what the insurance company covers and the waiting periods. Most of the companies on our list have pretty reasonable policy coverage and waiting periods, but some have six-month waiting periods for certain conditions.
Make sure that you know exactly what you need to be covered before making a final decision on your policy options. You also need to ensure that the policy will cover hereditary or pre-existing curable conditions if your pet has any of those.
Customer Service & Reputation
Friendly yet professional customer service and the reputation of the insurance company you’re considering should be one of the top priorities on your list. The best way to determine the reputation of the company you’re considering is to read the reviews: not only on the company’s website but on social media platforms as well.
Always ask about the claim repayment on any policy you take out for pet insurance. Of course, you want the one with the lowest deductible and the highest reimbursement options. Most of the companies on our list have excellent claim repayment options. Some even have 100% reimbursement options and 0% deductibles.
Price Of Policy
The price of the pet insurance policy you choose can differ from company to company. You should choose the one that works best for your budget without sacrificing the quality of the insurance, deductible, and reimbursement rate.
As you can see from our list, different insurance companies have different customization options, and some don’t allow customizations or add-ons at all. It’s best to sit and talk to the company you’re considering before signing on the dotted line.
Can I Purchase Pet Insurance for My Older Pet?
In most cases, all dogs and cats are welcome when it comes to pet insurance. However, there are a few companies on our list that won’t cover any dog that’s over 14 years old.
When Should I Get Pet Insurance for My Puppy?
It’s best to get pet insurance as soon as you bring your puppy to its forever home. However, some companies will not insure pets that are under 6 weeks old.
Do Most Vets Accept Pet Insurance?
In most cases, the vets don’t deal with pet insurance. Instead, you pay out of pocket, and the insurance company reimburses you for the cost. However, some vets allow the insurance company to pay them directly.
What the Users Say
All in all, most pet parents are happy with the list of providers we have on this list. However, it’s best for you to do your research to determine which one is the best provider for you and your pet’s needs.
Which Pet Insurance Provider In Georgia Is Best For You?
When it comes to the best pet insurance provider in Georgia for your needs, that’s going to vary according to the individual person and what coverage your pet needs. For example, you’re not going to need the same amount of coverage for a newborn puppy as you would an adult dog.
Also, you might not need coverage that covers pre-existing curable conditions or hereditary diseases. Pet insurance is essential for keeping your pet healthy and happy, but it does no good if you don’t have the right type of coverage when you need it the most.
While this list is certainly not all of the companies you can pick from, we believe these are the best ones in the state. Remember, you want to read the reviews, research the company’s reputation, and then decide which pet insurance policy is the right one for you and the needs of your furry friends.