Best Affordable Pet Insurance Companies of November 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Best Affordable Pet Insurance Companies of November 2024","alternativeHeadline":"Best Cheap Pet Insurance Companies of November 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/640104b7994ec30018941c6a?width=1200&format=jpeg","width":1200,"height":900},"name":"Best Cheap Pet Insurance Companies of November 2024","datePublished":"2024-10-29T16:16:32Z","dateModified":"2024-10-29T16:17:47Z","description":"Review the best cheap pet insurance options in November. Find affordable pet insurance companies to protect your pet without breaking the bank.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate pet insurance products to write unbiased product reviews.The cost of pet insurance can feel like an unmanageable addition to your monthly budget . However, most pet owners will experience at least one pet emergency and spend between $2,000 to $4,000, according to the North American Pet Health Insurance Association (NAPHIA). While the most comprehensive pet insurance may be out of your budget, there are cheap pet insurance options available that will give you peace of mind without breaking the bank.The best cheap pet insurance should still provide adequate and flexible coverage, even if it's not the most comprehensive. It should at least partially cover emergency treatment and surgeries so you have some assistance when paying off vet bills.Here are our picks for the best cheap pet insurance.If you're purely looking for the cheapest pet insurance, Pets Best Pet Insurance has some of the lowest prices in the industry. However, Pets Best is very much a \"you get what you pay for\" service. For one, Pets Best has a per-incident limit that maxes out at $14,000 and a lifetime limit capped at $100,000. Additionally, if you're looking for coverage for herbal or holistic treatments, consider searching elsewhere.It should also be noted that in Business Insider's staff experiences with Pets Best policies, the reimbursement rate is also applied to your deductible.So if you had a $500 deductible with 90% reimbursement, a $500 claim would leave you with another $50 left on your deductible, with charges applied based on the 90% reimbursement rate. This is not unusual, but it should factor into your budget and policy choices.Read our Pets Best Pet Insurance review.Many pet insurance providers will only insure pets younger than 14. Insurers may put an age cap on eligibility because pets, like humans, tend to develop health conditions as they age. However, Figo Pet Insurance will insure your furry friend, regardless of age. Whatever plan you consider, understand pet insurance companies will not cover pre-existing conditions. For dogs or cats with a history of allergies, cancer, diabetes, or other conditions, this would still leave pet parents on the hook for related bills if diagnosed before buying your plan.Among the best pet insurance for senior dogs, Figo offers three plans: the Essential plan, the Preferred plan, and the Unlimited plan. This insurer provides ample coverage choices to customize your policy based on your pet's needs and your budget.Figo doesn't sell a basic, accident-only plan, which is generally cheaper than an accident-illness or wellness program. Additionally, while it reimburses you, you must pay your vet bills upfront. Many pet parents resolve this issue using services like CareCredit, which can be paid off after completing the claim. If you're interested in Figo, we recommend Costco members go through the retail giant's partnership with Figo as you get 15% off standard premiums.Read our Figo Pet Insurance review.Lemonade Pet Insurance is a relatively new pet insurance company. Aside from pet insurance, it also offers home, car, and renters insurance (which received high marks for customer satisfaction). So you can bundle your pet insurance with other products for 10% additional savings. Lemonade also offers a 5% discount for paying annually, and an additional 5% discount for enrolling multiple pets.While it offers a nice array of discounts, Lemonade really stands out for its customizability. Its base plan offers testing, procedures, and medication coverage. While its a very basic plan, customers can add quite a few riders to their plan to beef up coverage, such as vet visit fees, dental illnesses, and behavioral conditions. This level of customization lets pet owners create a policy with the coverages they need while cutting out the benefits they don't want, saving them money. Lemonade also offers wellness plans and a wide array of coverage options, with annual limits that range from $5,000 to $100,000. If you're a tech-savvy shopper, you may appreciate Lemonade's highly-rated mobile app and user-friendly digital platform. You could purchase a policy, manage your claims, and access your insurance ID at the touch of your fingertip.Lemonade is not available in all states yet. So be sure to check and see if Lemonade is available to you.Read our Lemonade Pet Insurance review.Several companies will cover curable pre-existing conditions if your pet has been symptom- and treatment-free for some time, usually between 180 days to a year. However, AKC pet insurance is the only pet insurance company that covers curable and incurable pre-existing conditions when customers reach 365 days of continuous coverage.AKC's coverages including lab tests, surgeries, hospitalizations, vet-prescribed medication, cancer treatment, and euthanasia. It offers add-ons for hereditary conditions, alternative treatments, vet exam fees, breeding coverage, and two tiers of wellness. Its coverage options aren't terrific on their own, but AKC's policy toward pre-existing conditions makes it stand out automatically.AKC also offers a basic plan that offers a $100 deductible, 10% coinsurance, and unlimited coverage. However, it has a $500 limit per incident. While great for smaller issues, this coverage would do little to mitigate the cost of a major surgery. Read our AKC Pet Insurance review.Finding cheap pet insurance may be challenging if you have an exotic pet like a bird, rabbit, or reptile. Nationwide Pet Insurance is currently one of the very few pet insurance company to offer coverage for exotic pets.Nationwide pet insurance offers three pet insurance plans:Nationwide offers various conditions in its plans. However, the coverage is set. Nationwide's sample accident and illness policy broke down many potential diagnoses with primary and secondary diagnoses allowances. Ultimately, each buyer will receive a policy breakdown. However, Nationwide is a more expensive pet insurance provider with limited flexibility.Read our Nationwide Pet Insurance review.PetPartners Pet Insurance offers an array of pet insurance options with highly customizable deductibles from $100 to $1,000 and up to $20,000 for accident-only or accident and illness coverage.However, PetPartners is on this list for its basic plan, which has unlimited coverage. It sets deductibles at $100, 80% reimbursement, $500 per incident. You can also add a variety of riders including preventive care, breeding coverage, and hereditary condition coverage.. Read our PetPartners pet insurance review.Insurance premiums are a combination of a few factors that revolve around your pets and the insurance company you choose to insure them. Unfortunately, you may simply have a pet that's more expensive to insure, either because your pet's species or breed has a high risk of contracting certain ailments or because they're older.That said, there are a few ways to reduce the cost of your insurance plan, even with a pet that is expensive to insure.Similar to health insurance, pet insurance plans often have deductible options. The higher your deductible, the lower your monthly premiums. This means that any treatment your pet needs will be more expensive when you're checking out at the vet, but you may ultimately save money on your policy. Many pet insurance plans have customization options beyond deductibles. You can adjust your coverage limit and the percent of your vet bill that's covered. You may also opt out of certain coverages, like preventative care, or choose a lighter plan like an accident-only plan instead of a comprehensive policy.While finding an option that won't charge exorbitant premiums now is important, it's just as important to consider how much an insurance company will charge later on. You'll want to find a pet insurer that won't increase premiums based on your pet's age. You can find our guide on the best senior pet insurance here.While you can tweak your policy to lower costs here and there, nothing beats a simple discount. Pet insurance companies offer various ways to save here and there, including multi-pet discounts, discounts for paying annually, bundling discounts, and discounts for enrolling through certain partners. It's important to understand that shopping for pet insurance, and any insurance for that matter, is a balancing act between risk and cost. As you cut costs, you're more exposed to the risk that your pet's injuries or illnesses aren't covered. That said, you don't want to pay more for coverage that you're unlikely to use. As a result, maximizing the value of your insurance is a matter of balancing these two factors. Understanding all the available policies and your pet's susceptibilities can help you make a precise decision about your level of coverage.It's important to understand your policy terms so you know exactly what your purchasing. For example, you should know exactly what qualifies as a pre-existing condition for your company, so you're not blindsided by a vet bill when your insurance company refuses to pay for a treatment.Additionally, it's important to be mindful of waiting periods, which can last surprisingly long, anywhere from 14 days to six months. We review a company based on several benchmarks and compare it against the industry standard.We go into further detail in Business Insider's pet insurance rating methodology.Cheap pet insurance can be worth it if it covers your pet's essential needs. It's important to review the coverage details to ensure it meets your expectations.While options may be limited, some affordable pet insurance plans cater to older pets or those with pre-existing conditions, though coverage may be more restricted.Compare different insurance providers, consider plans with higher deductibles or customized coverage, and look for discounts or special offers.Many affordable pet insurance plans cover emergencies and surgeries, but it's crucial to check the policy's coverage limits and exclusions.Be aware of potential hidden costs such as additional fees for certain services, policy administration fees, or higher deductibles.","articleSection":"Personal Finance, Insurance, Pet Insurance","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is cheap pet insurance worth it, or does it lack essential coverage?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Cheap pet insurance can be worth it if it covers your pet's essential needs. It's important to review the coverage details to ensure it meets your expectations.</p>"}},{"@type":"Question","name":"Can I get cheap pet insurance for an older pet or one with pre-existing conditions?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">While options may be limited, some affordable pet insurance plans cater to older pets or those with pre-existing conditions, though coverage may be more restricted.</p>"}},{"@type":"Question","name":"How do I find the cheapest pet insurance for my pet?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Compare different insurance providers, consider plans with higher deductibles or customized coverage, and look for discounts or special offers.</p>"}},{"@type":"Question","name":"Does cheap pet insurance cover emergencies and surgeries?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Many affordable pet insurance plans cover emergencies and surgeries, but it's crucial to check the policy's coverage limits and exclusions.</p>"}},{"@type":"Question","name":"Are there any hidden costs I should be aware of with cheap pet insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Be aware of potential hidden costs such as additional fees for certain services, policy administration fees, or higher deductibles.</p>"}},{"@type":"Question","name":"Which dog breed qualifies for the cheapest pet insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Small, spayed, female mixed-breed dogs are the cheapest to insure, according to North American Pet Health Insurance Association (NAPHIA).</p>"}},{"@type":"Question","name":"Is cheap pet insurance worth it?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">There are cheap pet insurance companies that still offer comprehensive benefits at a lower price. </p>"}},{"@type":"Question","name":"How do I find the cheapest pet insurance for my pet?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can find the cheapest pet insurance by trying different insurance providers, considering plans with higher deductibles or customized coverage, and looking for discounts or special offers.</p>"}},{"@type":"Question","name":"Does cheap pet insurance cover emergencies and surgeries?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Many affordable pet insurance plans cover emergencies and surgeries, but the cost of a procedure may exceed your coverage limit, leaving you to pay the difference.</p>"}},{"@type":"Question","name":"Are there any hidden costs I should be aware of with cheap pet insurance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">While you won't have any hidden fees when signing up for cheap pet insurance, your premiums may increase as your pet ages. Additionally, cheap coverage may not be as comprehensive, so you may find yourself paying more than expected for vet visits.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/insurance","name":"Insurance"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/pet-insurance","name":"Pet Insurance"}},{"@type":"ListItem","position":4,"item":{"@id":"https://www.businessinsider.com/personal-finance/pet-insurance/best-cheap-pet-insurance-companies","name":"Best Cheap Pet Insurance Companies of November 2024"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customization </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-pre-existing-conditions" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Pre-Existing Conditions </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-exotic-pets" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Exotic Pets </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-for-unlimited-coverage" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Unlimited Coverage </a> </li> <li> <a 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#cheapest-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Cheapest Pet Insurance </a> </li> <li> <a href="#best-for-senior-pets" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Senior Pets </a> </li> <li> <a href="#best-for-customization" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customization </a> </li> <li> <a href="#best-for-pre-existing-conditions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Pre-Existing Conditions </a> </li> <li> <a href="#best-for-exotic-pets" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Exotic Pets </a> </li> <li> <a href="#best-for-unlimited-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Unlimited Coverage </a> </li> <li> <a href="#tips-for-reducing-pet-insurance-costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Tips for Reducing Pet Insurance Costs </a> </li> <li> <a href="#maximizing-value-in-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Maximizing Value in Pet Insurance </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" 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data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SquareMouth Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Cash Back Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Rewards Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a 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</li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Bank Account Bonuses </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Banks </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best personal loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best debt consolidation loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Loans for Bad Credit </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage refinance lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best FHA Lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class=" breadcrumb-hide-m" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/insurance" class=" breadcrumb-hide-s" data-track-click="{"product_field":"Insurance","element_name":"breadcrumbs","event":"navigation"}" > Insurance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate90 d-sm-block d-md-none align-left" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/pet-insurance" class="" data-track-click="{"product_field":"Pet Insurance","element_name":"breadcrumbs","event":"navigation"}" > Pet Insurance </a> </span> </div> <h1 class="post-headline ">Best Cheap Pet Insurance Companies of November 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Alani Asis" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/alani-asis" >Alani Asis</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/paul-kim" >Paul Kim</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/evelyn-he" >Evelyn He</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-29T16:16:32Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-29T16:16:32Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faq" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#cheapest-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Cheapest Pet Insurance </a> </li> <li> <a href="#best-for-senior-pets" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Senior Pets </a> </li> <li> <a href="#best-for-customization" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Customization </a> </li> <li> <a href="#best-for-pre-existing-conditions" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Pre-Existing Conditions </a> </li> <li> <a href="#best-for-exotic-pets" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Exotic Pets </a> </li> <li> <a href="#best-for-unlimited-coverage" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Unlimited Coverage </a> </li> <li> <a href="#tips-for-reducing-pet-insurance-costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Tips for Reducing Pet Insurance Costs </a> </li> <li> <a href="#maximizing-value-in-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Maximizing Value in Pet Insurance </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/pet-insurance/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate pet insurance products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>The cost of pet insurance can feel like an unmanageable addition to your monthly budget . However, most pet owners will experience at least one pet emergency and spend between $2,000 to $4,000, according to the North American Pet Health Insurance Association (NAPHIA). While the most comprehensive pet insurance may be out of your budget, there are cheap pet insurance options available that will give you peace of mind without breaking the bank.</p><h2>Best Cheap Pet Insurance of 2024 Summary</h2><ul><li><strong>Best Price:</strong> <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63f9632ef8ab1f0011ebcaa0" data-analytics-product-brand="Pets Best" data-analytics-product-name="Pets Best Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=petsbest">Pets Best Pet Insurance</a></li><li><strong>Best for Senior Pets:</strong> <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="633dadc763de0100184948c2" data-analytics-product-brand="Figo" data-analytics-product-name="Figo Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=figo">Figo Pet Insurance</a></li><li><strong>Best for Customization:</strong> <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61fae730ce36660013ccb153" data-analytics-product-brand="Lemonade Insurance Company" data-analytics-product-name="Lemonade Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=lemonade">Lemonade Pet Insurance</a></li><li><strong>Best for Pre-existing Conditions: </strong><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63ed3047f8ab1f0011ebaecd" data-analytics-product-brand="Independence American Insurance Co" data-analytics-product-name="AKC Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=akc">AKC Pet Insurance</a></li><li><strong>Best for Exotic Pets:</strong> <a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="637d7a17d6a5350011cfbf6f" data-analytics-product-brand="Nationwide" data-analytics-product-name="Nationwide Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=nationwide">Nationwide Pet Insurance</a></li><li><strong>Best for Unlimited Coverage: </strong><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6426e686f8ab1f0011ec1115" data-analytics-product-brand="PetPartners" data-analytics-product-name="PetPartners Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=petpartners">PetPartners Pet Insurance</a></li></ul><div id="businessinsider-quote-form"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" id="businessinsider-quote-script" data-consent="MARKETING" data-onload="initQuoteEngine()" data-src="https://quote.petted.com/Scripts/lib/widgets/businessinsider/quote-form/widget.min.js" data-async="true" data-defer="true"></div> <script defer=""> function initQuoteEngine() { QuoteEngine.setOptions({ targetId: "businessinsider-quote-form", redirectUrl: "https://quote.petted.com/quote", baseUrl: "https://quote.petted.com/", urlParam: { source: 'Business Insider Quote Widget', utm_source: '', utm_medium: '', utm_campaign: '', utm_content: '', utm_term: '', }, refCode: 'businessinsider', }); QuoteEngine.init(); }; </script><h2>Comparing Cheap Pet Insurance Providers</h2><p>The best cheap pet insurance should still provide adequate and flexible coverage, even if it's not the most comprehensive. It should at least partially cover emergency treatment and surgeries so you have some assistance when paying off vet bills.</p><p>Here are our picks for the best cheap pet insurance.</p><h2 data-toc-label="Cheapest Pet Insurance" id="cheapest-pet-insurance" class="toc-anchor">Cheapest Pet Insurance</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63f9632ef8ab1f0011ebcaa0" data-analytics-product-brand="Pets Best" data-analytics-product-name="Pets Best Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=petsbest">Pets Best Pet Insurance</a></h3><p>If you're purely looking for the cheapest pet insurance, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63f9632ef8ab1f0011ebcaa0" data-analytics-product-brand="Pets Best" data-analytics-product-name="Pets Best Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=petsbest">Pets Best Pet Insurance</a> has some of the lowest prices in the industry. However, Pets Best is very much a "you get what you pay for" service. For one, Pets Best has a per-incident limit that maxes out at $14,000 and a lifetime limit capped at $100,000. Additionally, if you're looking for coverage for herbal or holistic treatments, consider searching elsewhere.</p><p>It should also be noted that in Business Insider's staff experiences with Pets Best policies, the reimbursement rate is also applied to your deductible.</p><p>So if you had a $500 deductible with 90% reimbursement, a $500 claim would leave you with another $50 left on your deductible, with charges applied based on the 90% reimbursement rate. This is not unusual, but it should factor into your budget and policy choices.</p><ul><li aria-level="1"><strong>Annual coverage options:</strong> $5,000, unlimited</li><li aria-level="1"><strong>Reimbursement options: </strong>70%, 80%, 90%</li><li aria-level="1"><strong>Deductible options: </strong>$50, $100, $200, $250, $500, $1,000</li><li aria-level="1"><strong>Average monthly cost: </strong>Dogs - $20; Cats - $12</li></ul><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/pets-best-pet-insurance-review" data-analytics-product-module="body_link" rel="">Pets Best Pet Insurance review</a>.</p><h2 data-toc-label="Best for Senior Pets" id="best-for-senior-pets" class="toc-anchor">Best Cheap Pet Insurance for Senior Pets</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="633dadc763de0100184948c2" data-analytics-product-brand="Figo" data-analytics-product-name="Figo Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=figo">Figo Pet Insurance</a></h3><p>Many pet insurance providers will only insure pets younger than 14. Insurers may put an age cap on eligibility because pets, like humans, tend to develop health conditions as they age. However, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="633dadc763de0100184948c2" data-analytics-product-brand="Figo" data-analytics-product-name="Figo Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=figo">Figo Pet Insurance</a> will insure your furry friend, regardless of age. Whatever plan you consider, understand <a href="https://www.businessinsider.com/personal-finance/pet-insurance/what-does-pet-insurance-cover" data-analytics-product-module="body_link" rel="">pet insurance companies will not cover pre-existing conditions</a>. For dogs or cats with a history of allergies, cancer, diabetes, or other conditions, this would still leave pet parents on the hook for related bills if diagnosed before buying your plan.</p><p>Among the <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance-companies-for-older-dogs" data-analytics-product-module="body_link" rel="">best pet insurance for senior dogs</a>, Figo offers three plans: the Essential plan, the Preferred plan, and the Unlimited plan. This insurer provides ample coverage choices to customize your policy based on your pet's needs and your budget.</p><p>Figo doesn't sell a basic, accident-only plan, which is generally cheaper than an accident-illness or wellness program. Additionally, while it reimburses you, you must pay your vet bills upfront. Many pet parents resolve this issue using services like CareCredit, which can be paid off after completing the claim. If you're interested in Figo, we recommend <a href="https://www.businessinsider.com/personal-finance/pet-insurance/costco-pet-insurance-review" data-analytics-product-module="body_link" rel="">Costco members</a> go through the retail giant's partnership with Figo as you get 15% off standard premiums.</p><ul><li aria-level="1"><strong>Annual coverage options:</strong> $5,000, $10,000, unlimited</li><li aria-level="1"><strong>Reimbursement options: </strong>70%, 80%, 90%, 100%</li><li aria-level="1"><strong>Deductible options: </strong>$100, $250, $500, $750</li><li aria-level="1"><strong>Average monthly cost: </strong>Dogs - $26; Cats - $14</li></ul><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/figo-pet-insurance-review" data-analytics-product-module="body_link" rel="">Figo Pet Insurance review</a>.</p><h2 data-toc-label="Best for Customization" id="best-for-customization" class="toc-anchor">Best Cheap Pet Insurance for Customization</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="61fae730ce36660013ccb153" data-analytics-product-brand="Lemonade Insurance Company" data-analytics-product-name="Lemonade Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=lemonade">Lemonade Pet Insurance</a></h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61fae730ce36660013ccb153" data-analytics-product-brand="Lemonade Insurance Company" data-analytics-product-name="Lemonade Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=lemonade">Lemonade Pet Insurance</a> is a relatively new pet insurance company. Aside from pet insurance, it also offers home, car, and renters insurance (which received high marks for customer satisfaction). So you can bundle your pet insurance with other products for 10% additional savings. Lemonade also offers a 5% discount for paying annually, and an additional 5% discount for enrolling multiple pets.</p><p>While it offers a nice array of discounts, Lemonade really stands out for its customizability. Its base plan offers testing, procedures, and medication coverage. While its a very basic plan, customers can add quite a few riders to their plan to beef up coverage, such as vet visit fees, dental illnesses, and behavioral conditions. This level of customization lets pet owners create a policy with the coverages they need while cutting out the benefits they don't want, saving them money. </p><p>Lemonade also offers wellness plans and a wide array of coverage options, with annual limits that range from $5,000 to $100,000. If you're a tech-savvy shopper, you may appreciate Lemonade's highly-rated mobile app and user-friendly digital platform. You could purchase a policy, manage your claims, and access your insurance ID at the touch of your fingertip.</p><p>Lemonade is not available in all states yet. So be sure to check and see if Lemonade is available to you.</p><ul><li aria-level="1"><strong>Annual coverage options:</strong> $5,000, $10,000, $20,000, $50,000, $100,000</li><li aria-level="1"><strong>Reimbursement options: </strong>70%, 80%, 90%</li><li aria-level="1"><strong>Deductible options:</strong> $100, $250, $500</li><li aria-level="1"><strong>Average monthly cost: </strong>Dogs - $28; Cats- $14</li></ul><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/lemonade-pet-insurance-review" data-analytics-product-module="body_link" rel="">Lemonade Pet Insurance review</a>.</p><h2 data-toc-label="Best for Pre-Existing Conditions" id="best-for-pre-existing-conditions" class="toc-anchor">Best Cheap Pet Insurance for Pre-existing Conditions</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="63ed3047f8ab1f0011ebaecd" data-analytics-product-brand="Independence American Insurance Co" data-analytics-product-name="AKC Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=akc">AKC Pet Insurance</a></h3><p>Several companies will cover curable pre-existing conditions if your pet has been symptom- and treatment-free for some time, usually between 180 days to a year. However, AKC pet insurance is the only pet insurance company that covers curable and incurable pre-existing conditions when customers reach 365 days of continuous coverage.</p><p>AKC's coverages including lab tests, surgeries, hospitalizations, vet-prescribed medication, cancer treatment, and euthanasia. It offers add-ons for hereditary conditions, alternative treatments, vet exam fees, breeding coverage, and two tiers of wellness. Its coverage options aren't terrific on their own, but AKC's policy toward pre-existing conditions makes it stand out automatically.</p><ul><li aria-level="1"><strong>Annual coverage options:</strong> $2,500, $5,000, $7,500, $10,000</li><li aria-level="1"><strong>Reimbursement options: </strong>70%, 80%, 90%</li><li aria-level="1"><strong>Deductible options:</strong>  $100, $250, $300, $400, $500, $600, $750, $1,000</li><li aria-level="1"><strong>Average monthly cost: </strong>$45</li></ul><p>AKC also offers a basic plan that offers a $100 deductible, 10% coinsurance, and unlimited coverage. However, it has a $500 limit per incident. While great for smaller issues, this coverage would do little to mitigate the cost of a major surgery. </p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/akc-pet-insurance-review" data-analytics-product-module="body_link" rel="">AKC Pet Insurance review</a>.</p><h2 data-toc-label="Best for Exotic Pets" id="best-for-exotic-pets" class="toc-anchor">Best Cheap Pet Insurance for Exotic Pets</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="637d7a17d6a5350011cfbf6f" data-analytics-product-brand="Nationwide" data-analytics-product-name="Nationwide Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=nationwide">Nationwide Pet Insurance</a></h3><p>Finding cheap pet insurance may be challenging if you have an exotic pet like a bird, rabbit, or reptile. <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="637d7a17d6a5350011cfbf6f" data-analytics-product-brand="Nationwide" data-analytics-product-name="Nationwide Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=nationwide">Nationwide Pet Insurance</a> is currently one of the very few pet insurance company to offer coverage for exotic pets.</p><p>Nationwide pet insurance offers three pet insurance plans:</p><ul><li aria-level="1">Major Medical (accident and illness plan)</li><li aria-level="1">Whole Pet (more comprehensive accident and illness plan)</li><li aria-level="1">Wellness package</li></ul><p>Nationwide offers various conditions in its plans. However, the coverage is set. Nationwide's sample accident and illness policy broke down many potential diagnoses with primary and secondary diagnoses allowances. Ultimately, each buyer will receive a policy breakdown. However, Nationwide is a more expensive pet insurance provider with limited flexibility.</p><ul><li aria-level="1"><strong>Annual coverage options:</strong> Per condition</li><li aria-level="1"><strong>Reimbursement options: </strong>50%, 70%, 90%</li><li aria-level="1"><strong>Deductible options:</strong> $250</li><li aria-level="1"><strong>Average monthly cost: </strong>Dogs - $35; Cats - $14</li></ul><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/nationwide-pet-insurance-review" data-analytics-product-module="body_link" rel="">Nationwide Pet Insurance review</a>.</p><h2 data-toc-label="Best for Unlimited Coverage" id="best-for-unlimited-coverage" class="toc-anchor">Best Cheap Pet Insurance for Unlimited Coverage</h2><h3><a target="_blank" rel="nofollow noopener" data-analytics-product-module="commerce_shortcode" data-analytics-product-id="6426e686f8ab1f0011ec1115" data-analytics-product-brand="PetPartners" data-analytics-product-name="PetPartners Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=petpartners">PetPartners Pet Insurance</a></h3><p>PetPartners Pet Insurance offers an array of pet insurance options with highly customizable deductibles from $100 to $1,000 and up to $20,000 for accident-only or accident and illness coverage.</p><p>However, PetPartners is on this list for its basic plan, which has unlimited coverage. It sets deductibles at $100, 80% reimbursement, $500 per incident. You can also add a variety of riders including preventive care, breeding coverage, and hereditary condition coverage.. </p><ul><li aria-level="1"><strong>Annual coverage options:</strong> Unlimited</li><li aria-level="1"><strong>Reimbursement options: </strong>80%</li><li aria-level="1"><strong>Deductible options:</strong> $100 to $1000</li><li aria-level="1"><strong>Average monthly cost: </strong>$24-$53 monthly</li></ul><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/petpartners-pet-insurance-review" data-analytics-product-module="body_link" rel="">PetPartners pet insurance review</a>.</p><h2 data-toc-label="Tips for Reducing Pet Insurance Costs" id="tips-for-reducing-pet-insurance-costs" class="toc-anchor">How to Save on Pet Insurance</h2><p>Insurance premiums are a combination of a few factors that revolve around your pets and the insurance company you choose to insure them. Unfortunately, you may simply have a pet that's more expensive to insure, either because your pet's species or breed has a high risk of contracting certain ailments or because they're older.</p><p>That said, there are a few ways to reduce the cost of your insurance plan, even with a pet that is expensive to insure.</p><h3>Choosing higher deductibles</h3><p>Similar to health insurance, pet insurance plans often have deductible options. The higher your deductible, the lower your monthly premiums. This means that any treatment your pet needs will be more expensive when you're checking out at the vet, but you may ultimately save money on your policy. </p><h3>Customizing coverage</h3><p>Many pet insurance plans have customization options beyond deductibles. You can adjust your coverage limit and the percent of your vet bill that's covered. You may also opt out of certain coverages, like preventative care, or choose a lighter plan like an accident-only plan instead of a comprehensive policy.</p><h3>Choosing the right plan</h3><p>While finding an option that won't charge exorbitant premiums now is important, it's just as important to consider how much an insurance company will charge later on. You'll want to find a pet insurer that won't increase premiums based on your pet's age. </p><p>You can find our guide on the <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance-companies-for-older-dogs" data-analytics-product-module="body_link" rel="">best senior pet insurance</a> here.</p><h3>Finding discounts</h3><p>While you can tweak your policy to lower costs here and there, nothing beats a simple discount. Pet insurance companies offer various ways to save here and there, including multi-pet discounts, discounts for paying annually, bundling discounts, and discounts for enrolling through certain partners. </p><h2 data-toc-label="Maximizing Value in Pet Insurance" id="maximizing-value-in-pet-insurance" class="toc-anchor">Maximizing Value in Pet Insurance</h2><h3>Balancing Cost and Coverage</h3><p>It's important to understand that shopping for pet insurance, and any insurance for that matter, is a balancing act between risk and cost. As you cut costs, you're more exposed to the risk that your pet's injuries or illnesses aren't covered. That said, you don't want to pay more for coverage that you're unlikely to use. </p><p>As a result, maximizing the value of your insurance is a matter of balancing these two factors. Understanding all the available policies and your pet's susceptibilities can help you make a precise decision about your level of coverage.</p><h3>Understanding policy terms </h3><p>It's important to understand your policy terms so you know exactly what your purchasing. For example, you should know exactly what qualifies as a pre-existing condition for your company, so you're not blindsided by a vet bill when your insurance company refuses to pay for a treatment.</p><p>Additionally, it's important to be mindful of waiting periods, which can last surprisingly long, anywhere from 14 days to six months. </p><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Rated the Best Cheap Pet Insurance</h2><p>We review a company based on several benchmarks and compare it against the industry standard.</p><ul><li aria-level="1"><strong>Affordability: </strong>We consider an insurer cheap if it meets or is below the industry average premiums. We also compare the prices against its competitors.</li><li aria-level="1"><strong>Policy customization: </strong>We look at the breadth of an insurer's policy options. Policy options include the number of annual coverages, deductibles, and reimbursement options. The price is not the only determining factor if you compare a $50 for unlimited coverage with 80% reimbursement with a $10 policy with a $5,000 annual cap.</li><li aria-level="1"><strong>Waiting period: </strong>A waiting period is the time between purchasing a policy and when coverage kicks in. The average waiting period for accident coverage is three days, and fourteen days for illness coverage. However, waiting periods for genetic conditions and serious illnesses could last a year.</li><li aria-level="1"><strong>Types of policies available: </strong>The <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" rel="">best pet insurance</a> companies typically offer three types of plans: accident-only, accident-illness, and wellness plans. We look through an insurer's website to determine if it sells some variation of those three plans.</li><li aria-level="1"><strong>Exclusions and limits: </strong>Pets come in all shapes and sizes. Unfortunately, insurance companies will exclude some pets from coverage, like older pets or even those with curable pre-existing conditions. Additionally, we look at policy limits, like how many times a company will </li><li aria-level="1"><strong>Company offerings: </strong>We look at the extensiveness of a company's policies. Some insurers offer coverage for microchipping, alternative medicine, and other unique conditions.</li></ul><p>We go into further detail in Business Insider's <a href="https://www.businessinsider.com/personal-finance/pet-insurance/methodology" data-analytics-product-module="body_link" rel="">pet insurance rating methodology</a>.</p><h2 data-toc-label="FAQ" id="faq" class="toc-anchor">Cheap Pet Insurance FAQ</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is cheap pet insurance worth it, or does it lack essential coverage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Cheap pet insurance can be worth it if it covers your pet's essential needs. It's important to review the coverage details to ensure it meets your expectations.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I get cheap pet insurance for an older pet or one with pre-existing conditions? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">While options may be limited, some affordable pet insurance plans cater to older pets or those with pre-existing conditions, though coverage may be more restricted.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I find the cheapest pet insurance for my pet? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Compare different insurance providers, consider plans with higher deductibles or customized coverage, and look for discounts or special offers.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does cheap pet insurance cover emergencies and surgeries? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Many affordable pet insurance plans cover emergencies and surgeries, but it's crucial to check the policy's coverage limits and exclusions.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any hidden costs I should be aware of with cheap pet insurance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Be aware of potential hidden costs such as additional fees for certain services, policy administration fees, or higher deductibles.</p> </div> </div> </div><div id="businessinsider-quote-form"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" id="businessinsider-quote-script" data-consent="MARKETING" data-onload="initQuoteEngine()" data-src="https://quote.petted.com/Scripts/lib/widgets/businessinsider/quote-form/widget.min.js" data-async="true" data-defer="true"></div> <script defer=""> function initQuoteEngine() { QuoteEngine.setOptions({ targetId: "businessinsider-quote-form", redirectUrl: "https://quote.petted.com/quote", baseUrl: "https://quote.petted.com/", urlParam: { source: 'Business Insider Quote Widget', utm_source: '', utm_medium: '', utm_campaign: '', utm_content: '', utm_term: '', }, refCode: 'businessinsider', }); QuoteEngine.init(); }; </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/alani-asis" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="alani-asis"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/61ddd0074ede320018b706d6?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of Alani Asis"> <noscript> <img src="https://i.insider.com/61ddd0074ede320018b706d6?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/alani-asis" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Alani Asis</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Alani Asis is a personal finance expert with experience covering insurance, retirement, and credit at both Business Insider and LendingTree. Her work has been published in AARP, CNN Underscored, Forbes, Fortune, PolicyGenius, and U.S. News & World Report.</span><span><span class="headline-semibold">Experience</span></span><span>Alani is a former insurance fellow on the Personal Finance Insider team. She’s reviewed life insurance and pet insurance companies and has written numerous explainers on travel insurance, credit, debt, and home insurance.</span><span>She is passionate about demystifying the complexities of insurance and other personal finance topics so that readers have the information they need to make the best money decisions.</span><span><span class="headline-semibold">Expertise</span></span><span>Alani’s areas of personal finance expertise include:</span><ul><li><span>Car insurance</span></li><li><span>Life insurance</span></li><li><span>Home insurance</span></li><li><span>Travel insurance</span></li><li><span>Pet insurance</span></li><li><span>Credit</span></li><li><span>Credit cards</span></li><li><span>Retirement planning</span></li></ul><span><span class="headline-semibold">Education </span></span><span>Alani is a graduate of the University of Hawaii at Manoa, where she earned a degree in political science and history.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.</span><span>The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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