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5 Best Alabama Pet Insurance Companies for Dogs & Cats (2022 Reviews)

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From Muscle Shoals to Birmingham to Montgomery and Mobile, Alabama pet owners are likely to visit their veterinarian for illnesses and accidental injury in 2022. Appropriate treatment for emergency visits can prove very expensive. Whether it’s exposure to insecticides or other toxins, a car accident, or vomiting and diarrhea––the most common reason––it pays and saves Alabama pet owners to be prepared with a pet insurance policy that makes the hard times more bearable.

We’ve done the research and homework, so you can see the 5 best pet insurance companies for Alabama residents. We hope this helps you decide the best option for your dog or cat.

australian-shepherd-swimming-in-Alabama
An Australian shepherd loving swimming in a lake in Alabama

5 Top Dog & Cat Insurance Companies Compared for Alabama

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade ranks best overall for its affordable rates, preventative care add-ons, and comprehensive illness and accident coverage. Another significant benefit is that their waiting period for accidents is only 2 days (whereas other providers typically require 14 days). Lemonade also offers an easy-to-use claims filing system via their world-class mobile app, which makes the process faster and simpler. Finally, pet parents can bundle their policy with a renter’s or homeowner’s policy for an extra discount.

    Keep in mind: If your pet is older or has pre-existing conditions, Lemonade may request that you submit veterinary documentation of your little pal’s medical history before you can get an active policy.

    Good for: Almost all dogs and cats, especially the young and healthy.

    Average price for DOGS in Alabama: $24.92/ month

    Average price for CATS in Alabama: $11.00/month

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Alabama pet parents will love Wagmo because they reimburse up to 100% of vet fees after deductibles are met. Also, they feature a selection of wellness plans and provide their customers with lightning-fast reimbursement via direct deposit, PayPal or Venmo. Their multiple pet discounts and discounts for renewals without claims in the previous year are always a bonus. And the freedom to choose treats your pet means you can keep your veterinarian if you already have one you like.

    Keep in mind: Wagmo has a lifetime payout limit of $100,000. Therefore, coverage will end should you reach that threshold.

    Good for: Pet parents who want a great wellness and care coverage combination.

    Average price for DOGS in Alabama: $62.05/ month

    Average price for CATS in Alabama: $23.18/month

  • 3. Figo

    (Best for cats)

    Why it’s great: If you’re a cat parent, it is worth noting that Figo’s premiums for cats are some of the lowest out there. Health emergencies can happen at any time of day, which is why Figo offers live, 24/7 veterinary support through their mobile app. You can also choose to add one of their wellness packages to your basic policy. They vary in coverage, including an option that covers up to $250 of prescription food if prescribed by your vet. Figo also has unlimited lifetime benefits for all of their plans, so your pet can retain their coverage for many years to come.

    Keep in mind: Pre-existing conditions do not fall under coverage.

    Good for: Pet owners who crave the peace of mind of being able to contact a vet 24/7 and having it covered by insurance.

    Average price for DOGS in Alabama: $32.83/ month

    Average price for CATS in Alabama: $16.57/month

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Regardless of age, breed or pre-existing conditions, Pawp will protect as many as 6 pets within the same household under their emergency fund for a flat $24/month. This package includes unlimited 24/7 access to telehealth services with licensed veterinarians and consultations with pet experts. Pet owners will like being able to visit any licensed vet of their choice. They will also appreciate that with Pawp, there are no copays, deductibles, or credit checks. And the best news is that you will get to leave the veterinary clinic with your bill fully paid, therefore eliminating the claims process altogether.

    Keep in mind: Pawp only covers claims that their virtual team of vets qualify as emergencies. Moreover, the “Emergency Fund” only covers one of your pets for a single vet bill up to $3,000 per year.

    Good for: Older pets or those with health conditions. This also makes a good supplement for a more traditional pet insurance policy.

    Price: $24/ month

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has no maximum lifetime payout limits, which means your dog or cat will be eligible for coverage well into their lives. Along with multiple pet discounts, they also pride themselves in having “diminishing deductibles,” which means your annual deductible automatically drops by $50 every year you do not have an insurance claim reimbursement. It is worth mentioning that their optional routine care plan covers spaying or neutering should your pet need it. A unique aspect of Embrace’s coverage is their wellness plan, which extends coverage to alternative veterinary care, including acupuncture, massage therapy, chiropractic, and reiki.

    Keep in mind: Pets only up to age 14 are eligible. The maximum combined claims for the wellness add-on is $650/year, which only amounts to an approximate annual savings of $25. Keep in mind that there are no refunds for unused wellness plan funds at the end of each year.

    Good for: Pet parents who wish to avail their pets of alternative veterinary care.

    Average price for DOGS in Alabama: $30.90/ month

    Average price for CATS in Alabama: $18.04/month

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Alabama and they also offer the best value.

Average price for DOGS in Alabama: $24.92/ month

Average price for CATS in Alabama: $11.00/month

FAQs about Pet Insurance in Alabama

  • 1. What does pet insurance typically cover for dogs and cats?

    While coverage varies from one company to the next, you can expect coverage to extend to any injuries and illnesses deemed unexpected and sudden. Your policy will offer more specifics, but this typically includes exams, medications, tests, other diagnostic procedures, emergency care, and surgery. Alabama dogs and cats have a higher incidence of fleas, ticks, and intestinal parasites than the rest of the country. Alabama dogs also suffer from diabetes, kidney disease, and arthritis at a little higher rate than the nationwide average. All of these are covered under pet insurance as long as it is not a pre-existing condition.

  • 2. How much does pet insurance cost in Alabama?

    Pet insurance in Alabama costs anywhere from $15.00 to $45.25 per month for dogs (based on prices for a healthy 2-year-old located in the 35214 zip code). And anywhere from $14.01 to $17.48 per month for cats (based on prices for a healthy 2-year-old located in the 35214 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Regardless of the insurance company, you can usually cancel your policy at any time. However, you will need to notify your provider in writing. It’s best to read each company’s policy details to determine their specific cancellation process. Keep in mind that any illnesses diagnosed before canceling may be deemed pre-existing conditions should you ever wish to reinstate your policy at a future date.

  • 4. Do Alabama pet insurance companies cover spaying and neutering?

    In general, pet insurance in Alabama does not cover the costs of getting your dog or cat spayed or neutered. However, some insurance companies offer wellness packages you can add to your policy to cover these procedures such as Embrace .

  • 5. Does the cost of insurance increase as my pet ages?

    Your pet insurance premiums will increase as your pet ages, particularly once they reach 4 or 5 years old. This is due to the increased likelihood of your pet getting sick as they age and the dog or cat insurance provider has to account for the elevated risk.

  • 6. Which companies cover pre-existing conditions?

    Pawp is best overall when it comes to covering pre-existing conditions especially when it’s an emergency. Embrace also has policy terms that may grant coverage for curable pre-existing conditions, but it is best to clarify this with them upfront when you apply for insurance. That said, please note that most pet insurance companies will not cover pre-existing conditions at all. The upshot is that health issues will not prevent you from being able to get a policy for your beloved dog or cat.

  • 7. Is pet insurance worth it in Alabama?

    There comes a time in most pets’ lives when they have an accident or experience the sudden onset of an illness. Pet insurance is a great way to be able to afford such emergencies. Therapies for diseases such as cancer can cost north of $10,000, and hip replacement surgery runs as high as $7,000. Pet insurance is there to alleviate the financial stress, so you can focus your energy on helping your little furry friend get well.

Conclusion

We hope this article has made the process of selecting the right pet insurance company a bit less of a headache. We encourage you to take the necessary time to review the companies you’re interested in, along with their specific offerings, before applying for a policy for your dog or cat. Buying the right Alabama pet insurance policy will give your lil’ buddy the coverage they need for emergencies and preventative care, keeping them healthy for many years to come.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 35206 zip code. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Lemonade = $20,000