Best Pet Insurance in Alabama (AL)

Lemonade is our top pet insurance provider pick for its affordable rates, customizable coverage, and variety of add-on options.

Learn More: Lemonade Pet Insurance Review

• Our score: 96
• Provides discounts such as 10% off for bundling with a Lemonade home insurance policy and 5% off for paying annually
• Offers a short two-day waiting period for accidents
• Options range up to $100,000 for annual coverage caps

Lemonade pet insurance policies cover a wide range of conditions and treatments, such as outpatient veterinary care, hospitalizations, blood tests, prescription medications, sprains, vomiting, diarrhea, and infections. The wellness add-on provides supplementary coverage for routine care such as fecal tests, blood tests, and one wellness exam per year.

Other add-on options include choices like physical therapy, which includes acupuncture and chiropractic care, and vet exam fee coverage to help with appointment costs.

Like most other pet insurance companies, Lemonade does not cover pre-existing conditions. Coverage exclusions also include anal gland expression, elective or cosmetic procedures, breeding, and dental care unless medically necessary due to an injury.

Spot stands out among all the pet insurance companies we reviewed for its customizable coverage options that can help pet owners find the exact coverage they need for their budget.

Learn More: Spot Pet Insurance Review

• Our score: 91
• Provides seven annual limits between $2,500 and unlimited
• Offers an accident-only plan for less expensive coverage for just injuries and accidents
• Provides a 10% discount for each additional pet when you purchase more than one policy

If you’re looking for a wide range of coverage options to help you choose the exact amount of coverage you need that fits your budget, we recommend Spot’s accident-only or accident and illness plans. The accident-only plan is for coverage on just injuries, toxic ingestions, and other emergency accidents. The accident and illness plan extends that coverage for conditions and illnesses, such as digestive illnesses, dental illnesses, chronic conditions, and cancer.

You can add coverage for the routine care your pet may need to stay healthy through Spot’s Gold and Platinum preventative care options. The Gold plan comes with $250 per year of combined per-treatment coverage, and the Platinum plan increases those limits to a total of $450 per year.

Embrace is our top recommendation for people looking for multiple deductible options. It offers five deductibles and a credit for healthy pets in Alabama.

Learn More: Embrace Pet Insurance Review

• Our score: 93.5
• Offers a free medical history review on enrollment
• Covers exam fees as part of its accident and illness plan
• Provides a wide variety of customizable pricing options, with deductibles at $200, $300, $500, $750, and $1,000

Embrace’s preventative add-on covers a wide range of routine care, but its prices are at the higher end of the range compared to its competitors, costing it a few points in our review.

Embrace offers an accident and illness plan that covers the cost of incidents like broken bones, dental trauma, prescription drugs, and surgeries as well as health problems such as allergies and cancer and procedures like biopsies, lab tests, MRIs, and acupuncture.

Embrace also offers an optional Wellness Rewards plan that covers a suite of routine and preventative care options, including prescription diet food, vaccinations, training classes, and fecal tests. You can choose your wellness plan cap to be reimbursed for up to $250, $450, or $650 each year.

Our favorite for high coverage caps, Healthy Paws can help pet parents avoid out-of-pocket costs for pets with high medical bills.

Learn More: Healthy Paws Pet Insurance Review

• Our score: 93.5
• Doesn’t have annual, lifetime, or per-month caps for coverage
• Has a 30-day money-back guarantee
• Provides an online chat for fast support

Healthy Paws may not be the best choice for parents of older pets due to its lack of customization options for older cats and dogs.

Healthy Paws offers one streamlined plan for accident and illness coverage, which covers expenses such as specialty care, surgery, X-rays, prescription medications, ultrasounds, and chronic conditions.

This plan does not cover preventative or routine care costs such as spaying, neutering, routine vaccinations, or exam fees. Additionally, pets older than 6 years old have locked-in reimbursement rates at 50% or 70% and have deductible options of either $750 or $1,000. No add-ons are available for purchase through Healthy Paws.

If you’re looking for a pet insurance provider that covers a wide range of covered procedures and treatments, Fetch includes more holistic and behavioral treatments, such as acupuncture and aggression therapy, in its standard plan than competitors.

Learn More: Fetch Pet Insurance Review

• Our score: 91.5
• Offers treatments excluded by most competitors, such as stem cell therapy and homeopathic therapies
• Covers dental benefits, not just dental trauma from accidents
• Reimburses for boarding fees if the pet parent is hospitalized for more than four days

While Fetch’s standard coverage is well-rounded, it did lose points in our review for its lack of preventative care options.

Fetch’s policy options include a $5,000, $15,000, or unlimited coverage cap, and they cover laboratory and diagnostic testing, cancer treatments like radiotherapy and chemotherapy, prescription medications and nutraceuticals, alternative therapies, and vacation cancellation fees due to a sick pet.

As with other pet insurance providers, Fetch doesn’t cover pre-existing conditions and cosmetic procedures. Preventive and routine care costs for vaccinations, teeth cleanings, and spaying or neutering are also not part of a Fetch policy.

For some of the most comprehensive coverage on the market, you can purchase a policy from Figo with its Extra Care Pack add-on that covers a few circumstantial costs, such as third-party property damage caused by your pet or vacation cancellation fees when it’s sick.

Learn More: Figo Pet Insurance Review

• Our score: 93
• Provides unlimited annual coverage
• Has a 24/7 live vet chat for instant answers to your pet health questions
• Includes access to the Figo Cloud Pet, which connects you to other pet owners and pet-friendly locations near you

Figo’s standard policy comes with coverage for accidents and illnesses, including injuries, chronic conditions, cancer, and hip dysplasia. It pays for required treatments such as surgeries, specialty care, diagnostic tests, hospitalization, emergency care, and prescription medications.

Figo also offers vet visit and exam fees coverage that can be added to your policy. You can add some coverage for your pet’s routine care treatments, such as vaccinations and annual checkups with two preventative care coverage options.

The Extra Care Pack comes with coverage for vacation cancellation fees, third-party property damage, lost-pet advertising and reward money, emergency boarding fees if you have to be hospitalized, replacement costs if your pet’s lost or stolen, and burial or cremation costs.

When it comes to a plan that offers robust coverage, Prudent Pet is our choice for its Ultimate Plan’s comprehensive benefits that extend to behavioral treatments, advertising for lost pets, boarding fees, and vacation cancellation fees due to a sick pet.

Learn More: Prudent Pet Insurance Review

• Our score: 95
• The Ultimate plan offers unique benefits that protect against non-medical emergencies, such as a pet loss or theft and boarding fees
• Offers a multi-pet discount of 10%
• Provides three add-on coverage levels for preventative care

Due to Prudent Pet’s scope of coverage, it can be more expensive than other providers on this list, which may not make it the best choice for pet parents looking to save on monthly bills.

Prudent Pet’s Accident-Only and Essential Plans offer up to $10,000 of coverage. The Accident-Only Plan covers bite wounds, broken bones, alternative therapies prescribed by a veterinarian, emergencies, and hospitalizations, while the Essential Plan extends coverage to health issues like cancer treatments, hip dysplasia, and urinary infections.

The Ultimate Plan covers everything in the Essential Plan and includes advertising for lost pets, mortality benefits, and up to $1,000 for behavioral treatments. Add-ons include veterinary exam fee coverage and three price points of wellness coverage for routine care such as vaccines, microchipping, and deworming.

Prudent Pet policies do not cover pre-existing conditions, pregnancy-related health issues, or cosmetic procedures.