Pet Insurance in Alabama: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Alabama? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Alabama with affordable rates.

By Mark Fitzpatrick

Updated: September 26, 2024

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Buying a policy from the best pet insurance company in Alabama protects you against the cost of unexpected vet visits and helps you provide the best veterinary care to your pet without worrying about the expense. Pet insurance cost varies; companies consider your pet’s age and breed, location, policy coverage amount and other important factors.

To get you a policy that fits your pet’s needs, MoneyGeek gathered pet insurance quotes in Alabama from the top companies in the major cities, including Birmingham, Montgomery, Huntsville and Mobile. It’s best to compare quotes from multiple insurers to find the best deal.

TABLE OF CONTENTS

Best Pet Insurance Companies
The Average Cost of Pet Insurance
The Cheapest Pet Insurance Quotes
What Impacts Pet Insurance Cost?
FAQ’s About Pet Insurance

The Best Pet Insurance Companies in Alabama

In this guide, MoneyGeek determined the best pet insurance company in Alabama by analyzing pet insurance quotes in Alabama from many different insurance providers across different Alabama locations. We also documented policy and coverage details for companies offering pet insurance policies in Alabama. Keeping affordability and product offering options in view, MoneyGeek selected the best pet insurance companies in Alabama.

Best Overall Pet Insurance for Your Pet

pros

Customizable policies with a broad range of deductibles

Offers two wellness add-ons

24/7 pet telehealth helpline

cons

Does not offer coverage for end-of-life expenses

COMPANY HIGHLIGHTS

MoneyGeek’s research shows that Pets Best is the overall best pet insurance company in Alabama. It offers policies that can completely suit your pet’s needs. The average cost of a policy from Pets Best in Alabama is $23.50 per month.

The best feature of Pets Best pet insurance is that the company usually provides a lot of flexibility and its policies are more customizable than other insurance providers. With Pets Best, you can select a wide range of deductibles and add unlimited annual coverage to your policy. These factors make Pets Best a good option for an Alabama pet owner who wants their pet to have extensive medical coverage.

Pets Best is also a good option for pet insurance in Alabama if you have senior pets since the company does not have an upper age limit for its policies. It also offers two wellness plans you can add to your policy for an additional cost.

Best Pet Insurance Company: Unlimited Coverage

pros

Offers a multiple pet discount

Offers direct veterinarian reimbursement

Has convenient online tools

cons

Does not cover pre-existing conditions

COMPANY HIGHLIGHTS

If you’re looking for a pet insurance policy that has unlimited annual coverage, MoneyGeek uncovered that Pets Best is the best option. For an unlimited coverage pet insurance policy in Alabama, the company charges an average of $29.73 per month.

A Pets Best pet insurance policy covers accidents, injuries, emergency care, hereditary and congenital conditions, surgeries, diagnostics, chronic conditions, physical examinations and much more. The company does not provide coverage for pre-existing conditions, elective and preventive care, vitamins and supplements, and any other expenses that are not related to the medical care of your pet.

However, Pets Best does offer two wellness care plans — the EssentialWellness plan and the BestWellness plan — which help you pay for vaccines, deworming, rabies, microchipping, wellness exams and much more.

Pets Best also offers discounts in Alabama for a pet insurance policy when adopting a pet, enrolling multiple pets or enrolling a pet into a policy 24 hours after a veterinary exam.

Best Pet Insurance Company: Affordable Coverage

pros

Works with licensed veterinarians in the United States, Canada and Puerto Rico

Offers many different discounts

Offers a broad range of deductibles

cons

Only the Elite Plan includes rehabilitation coverage

COMPANY HIGHLIGHTS

MoneyGeek’s research shows that people who want cheap pet insurance in Alabama would benefit the most from a pet insurance plan with Pets Best. On average, it costs $17.26 per month for an affordable pet insurance policy from this company in Alabama.

Pets Best offers you many policy customization options; you can choose your annual benefit limit, annual deductible and a reimbursement level of 70%, 80% or 90%. It offers two coverage limit options — a $5,000 annual limit or unlimited coverage. The deductible can range from $50 to $1,000.

The company also allows you to save a lot of money by offering many kinds of discounts, such as a 5% multi-pet discount, a 5% discount on adopting a pet and a 10% discount on enrolling your pet in a policy 24 hours after a veterinary exam. These features make Pets Best the best option in Alabama for an affordable pet insurance policy.

Best Pet Insurance with Multiple Pets

pros

Offers online claims filing and other convenient tools

No upper age limit for pet enrollment

Offers a wide range of deductibles

cons

Long waiting period for the coverage of cruciate ligament issues

COMPANY HIGHLIGHTS

MoneyGeek found that Pets Best is the most suitable option for people who own multiple pets since the company offers a pet insurance discount in Alabama for enrolling more than one pet. On average, it costs $21.15 per month to buy a pet insurance policy from Pets Best for multiple pets in Alabama.

With a policy from Pets Best, you may choose your premium amount by adjusting the annual benefit limit, deductible and reimbursement rate. The company offers two wellness add-ons, which can take care of the cost of neutering, spaying, teeth cleaning, rabies, deworming and much more.

It also offers an accident-only plan, which covers the cost of unexpected emergencies. The plan has a $10,000 annual limit, 90% reimbursement for all covered treatments and a $250 deductible. If you enroll multiple pets with Pets Best, you get a 5% policy discount.

Best Pet Insurance Company: Cats

pros

Offers a free medical history review

Offers accident-only coverage

Does not have a maximum lifetime payout limit

cons

Only offers accident-only plans to senior pets

COMPANY HIGHLIGHTS

MoneyGeek’s research found that for cat owners in Alabama, Embrace offers the best pet insurance plans with regards to affordability and policy options. The average cost of buying a cat pet insurance policy in Alabama from Embrace is $13.82 per month.

A cat pet insurance policy from Embrace covers dental, illnesses, chronic conditions, cancer testing and treatment, orthopedic conditions, hospitalizations and emergency care, behavioral therapies, surgeries, prescription medications and much more.

Embrace does not offer coverage for pre-existing conditions and other non-medical expenses. However, it does offer a wellness plan to cover vaccinations, wellness exam fees, microchipping, grooming, spaying, neutering and more. Embrace allows you to save money on your cat insurance in Alabama by offering multiple discounts, such as a multi-pet discount and a military discount. If, for a year, you don’t file a claim, the company reduces your deductible by $50.

Ranking	Winner	Avg. Monthly Cost
Overall	Pets Best	$23
Unlimited Coverage	Pets Best	$30
Affordable Coverage	Pets Best	$17
Multiple Pets	Pets Best	$21
Cats	Embrace	$14

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Alabama?

Generally, the cost of pet insurance in Alabama varies depending on your pet’s age, breed, location, policy coverage limits and other details. In Alabama, on average, it costs $25.71 per month to insure a dog with a $5,000 annual coverage limit, $47.23 per month for a $10,000 coverage annual limit, and $47.29 per month for an unlimited coverage policy.

The average cost of insuring a cat in Alabama is $14.01 per month for a $5,000 annual coverage limit, $23.92 per month for a $10,000 annual coverage limit, and $34.76 per month for a policy with unlimited coverage.

Pet Insurance Policy	$5k Coverage	$10k Coverage	Unlimited
Average Cost for a Dog	$26	$47	$47
Average Cost for a Cat	$14	$24	$35

HOW MUCH PET INSURANCE DO YOU NEED?

MoneyGeek recommends that the average pet owner in Alabama buys a policy with $3,000 to $8,000 of coverage and a reimbursement rate of 80% or more. With a pet insurance policy that has these coverage limits, you should not have to worry about veterinary costs if your pet is injured or gets into an accident.

Compare the Cheapest Pet Insurance Quotes in Alabama

MoneyGeek wants to help you understand the typical options that most companies offer for pet insurance policies in Alabama:

Annual reimbursement limits: Range from $3,000 to unlimited
Deductible: $250 to $500, but some companies have higher or lower options
Bill reimbursement percentage: From 70-90%

There are pet owners in Alabama who want a less expensive policy with lower coverage amounts to manage their monthly expenses or because they don’t feel like they need as much pet insurance coverage. Then there are pet owners that want a policy with high coverage limits to ensure maximum protection for their pet. While generally, an unlimited pet policy is more expensive in Alabama, and the average pet owner may not need its protection, pet owners who want the ultimate protection for their pet may choose it.

Most often, MoneyGeek recommends the average coverage amount below for pet insurance in Alabama.

Maximum Policy Coverage	Winner: Cheapest Policy	Avg Cost
$5,000	Pet Plan	$22
$10,000	Figo	$35
Unlimited	Pets Best	$30

To help you save money on pet insurance, MoneyGeek researched pet insurance companies in Alabama that offer a policy with a maximum $5,000 annual limit, $500 deductible and an 80% reimbursement rate. This policy is affordable while still providing great protection for your pet.

Pet Insurance Company	Low Coverage Monthly Cost
Pet Plan	$22
Figo	$23
Embrace	$25
GEICO	$25
Spot	$26
Hartville	$27
ASPCA	$27
24 Pet Watch	$39

Pet Insurance Company	Average Coverage Monthly Cost
Figo	$35
GEICO	$35
Embrace	$35
24 Pet Watch	$52
ASPCA	$52
Hartville	$52
Spot	$52
Nationwide	$53
Pumpkin	$61

Pet Insurance Company	Unlimited Coverage Monthly Cost
Pets Best	$30
Healthy Paws	$37
Trupanion	$38
Pet Plan	$47
Figo	$50
Spot	$83

The Best Cheap Pet Insurance by City in Alabama

While factors like your pet’s age and breed and policy coverage limits are important in determining the cost of pet insurance in Alabama, where you live in the state also plays a major role in your pet insurance premium rate. Some cities have higher living costs, which impact the cost of veterinary medical expenses and, as a result, the cost of a pet insurance policy. In some places in Alabama, pets have a higher accident risk due to weather, traffic density or other hazards, which can influence the cost of pet insurance.

City	Coverage Level and Average Monthly Rate
Birmingham	$5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Embrace, $33
Huntsville	$5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Figo, $35
Mobile	$5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Embrace, $33
Montgomery	$5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: Figo, $35

What Factors Impact Pet Insurance Cost in Alabama?

Usually, the coverage of insurance companies determine your monthly insurance costs after considering a variety of factors, such as the city you live in and your pet’s breed and age. MoneyGeek researched the critical determining factors to help you understand the cost of pet insurance in Alabama.

Annual reimbursement limit

This limit refers to the maximum amount your pet insurance company will pay over a 12-month policy period. Most companies offer policies with an annual limit that ranges from $3,000 to unlimited coverage.

Deductible

The deductible is what you need to pay before the insurance company starts covering veterinary costs. Usually, with a higher deductible, the pet insurance premium is lower.

Bill reimbursement percentage

It refers to the percentage of a veterinary bill that your insurance company covers. For example, if your policy has a bill reimbursement percentage of 90% and you receive a vet’s bill worth $1,000, you must pay $100 or 10% to the vet.

Breed

There is ample evidence that some pet breeds are more susceptible to certain health conditions during their lifetime. That’s why insurance companies consider the breed of your pet before giving a pet insurance quote.

Animal age

As your pet ages, the probability of them developing a serious health condition increases. If you have a senior pet, you likely have to pay more for a pet insurance policy in Alabama.

Location

In some areas, living costs are higher or your pet is more likely to get into an accident due to weather and other hazards. That’s why where you live in Alabama can significantly impact your pet insurance costs.

Multi-pet discount

Insuring more than one pet with the same insurance company may provide you with a discount.

FAQ’s About Pet Insurance in Alabama

Is pet insurance in Alabama worth it?

In Alabama, approximately 44% of households have pets, and the majority of them do not have a pet insurance policy, but acquiring pet insurance is on the rise. Data shows that if your dog gets diabetes, it can cost about $2,892 in veterinary bills for the first year, and if it has cancer, you would have to pay about $4,137.

To give your pet access to good medical care in case of an emergency without being a financial burden, it’s best to buy a pet insurance policy in Alabama.

Which company has the cheapest pet insurance in Alabama?

MoneyGeek found that Petplan offers the most affordable pet insurance policies in Alabama, with an average cost of $22.07 per month.

What is the cost of pet insurance in Alabama?

The cost of pet insurance in Alabama varies depending on your pet’s breed, age, location and policy coverage limits. On average, it costs $47.23 per month to insure a dog and $23.92 per month to insure a cat with a $10,000 annual coverage limit.

What are the best pet insurance companies in Alabama?

MoneyGeek’s research shows that Pets Best is overall the best pet insurance company in Alabama and also the best option for unlimited coverage, affordable coverage and if you have multiple pets. If you’re a cat owner, Embrace would be the best option for you.

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Alabama, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Alabama and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Alabama for four pet types with the following yearly coverage levels:

Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
High coverage: Unlimited coverage, $250 deductible, 90% reimbursement

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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