How much does dog insurance cost in Georgia for the 15 most popular breeds?

The price for Georgia dog insurance varies depending on where you live. To give you an idea we’ve collected prices for three cities shown below. The prices will also vary based on your puppy’s age, health, and breed.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of January 2023 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Georgia we suggest getting a quote directly with Figo or Lemonade.

1. Mixed Breed
   • Atlanta – $30.36/ mo
   • Hartwell – $30.36/ mo
   • Augusta – $25.06/ mo
2. Labrador Retriever
   • Atlanta – $41.34/ mo
   • Hartwell – $41.34/ mo
   • Augusta – $34.13/ mo
3. Golden Retriever
   • Atlanta – $41.24/ mo
   • Hartwell – $41.24/ mo
   • Augusta – $34.07/ mo
4. German Shepherd
   • Atlanta – $44.60/ mo
   • Hartwell – $44.60/ mo
   • Augusta – $36.82/ mo
5. Goldendoodle
   • Atlanta – $35.89/ mo
   • Hartwell – $35.89/ mo
   • Augusta – $29.62/ mo
6. Chihuahua
   • Atlanta – $18.89/ mo
   • Hartwell – $18.89/ mo
   • Augusta – $15.58/ mo
7. Siberian Husky
   • Atlanta – $41.46/ mo
   • Hartwell – $41.46/ mo
   • Augusta – $34.23/ mo
8. Yorkshire Terrier
   • Atlanta – $26.06/ mo
   • Hartwell – $26.06/ mo
   • Augusta – $21.51/ mo
9. American Pit Bull Terrier
   • Atlanta – $45.89/ mo
   • Hartwell – $45.89/ mo
   • Augusta – $37.89/ mo
10. Australian Shepherd
    • Atlanta – $28.55/ mo
    • Hartwell – $28.55/ mo
    • Augusta – $23.56/ mo
11. Dachshund
    • Atlanta – $26.92/ mo
    • Hartwell – $26.92/ mo
    • Augusta – $22.23/ mo
12. Shih Tzu
    • Atlanta – $23.99/ mo
    • Hartwell – $23.99/ mo
    • Augusta – $19.80/ mo
13. French Bulldog
    • Atlanta – $56.75/ mo
    • Hartwell – $56.75/ mo
    • Augusta – $46.86/ mo
14. Boxer
    • Atlanta – $56.98/ mo
    • Hartwell – $56.98/ mo
    • Augusta – $47.05/ mo
15. Labradoodle
    • Atlanta – $35.89/ mo
    • Hartwell – $35.89/ mo
    • Augusta – $29.62/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for Georgia and they’ll be able to give you a quick quote for your exact needs.

Georgia Dog Insurance FAQs

How does dog insurance work? Why is it useful in Georgia?

Once you sign with a pet insurance company, you’ll pay a monthly fee to keep the policy active. Most plans cover tests, emergency care, exam fees, surgery, medications, unexpected injuries, or illnesses. If your dog gets hurt from an accident, you must pay upfront and submit a claim for most plans. Then the insurance company will reimburse you. It’s important to know that most insurance companies exclude covering a dog’s pre-existing conditions. That’s why we always suggest that you get insurance when your dog is a puppy, usually around 8 weeks or older.

In Georgia, getting good insurance helps offset the high vet bills, especially if your dog needs therapies like cancer treatment, which can run over $10,000. Many dog owners need to make the hard decision to put their dogs down because they can’t afford the cost of this type of treatment. Puppy insurance is helpful because you won’t end up in this situation.

How old should my dog be when I get the insurance?

Typically, insurance companies require that your puppy is no less than 8weeks old. Most providers don’t set age limits, but younger dogs are cheaper than older dogs, so we suggest getting your canine insurance before your pet is a year old.

Why do I need dog insurance in Georgia?

As we mentioned, vet bills can add up. You can end up spending up to $3,000 or more for an emergency vet visit because your dog ate a sock or cut her paw. If you have insurance, you’ll pay a monthly premium instead of high out-of-pocket costs. Depending upon where you live, Georgia vets are sometimes pricier than in other states, another reason you need dog insurance in Georgia.

What is covered and what’s excluded with dog insurance?

Coverage varies depending on your insurance, but accidents or illnesses are usually covered. For example, pet insurance typically covers things like:

• Swallowing a toy
• Allergies
• Broken bones
• Eye or ear infections

Of course, as we mentioned earlier, pre-existing conditions like cancer aren’t covered when you apply for insurance. Many insurance companies offer “wellness packages” as add ons to cover things like

• Heartworm checks and prevention
• Vaccinations
• Routine check-ups
• Explain the reimbursement

Say, for example, if you buy dog insurance with a 90% reimbursement rate and a $250 deductible, plus a $20,000 annual maximum benefit, and then something happens to your dog that costs $10,000 for vet surgery, your insurance will reimburse you $9,000 minus the deductible of $250. So, you would pay $1250 out of pocket instead of $10,000.

One insurance company, Trupanion, provides payment directly to your vet if they’re in the network. Meaning you wouldn’t have any out-of-pocket fees.

Is it better to have a lower deductible?

A lower deductible means a higher monthly payment for you. You will pay more each month but less out of pocket for an emergency vet visit. You know your financial situation best, so you can do the math, but most providers offer an easy-to-use calculator when they give you a quote to make it easier. Typically, we see that most dog owners choose the $250 or $500 deductible.

Are there any restricted dog breeds for homeowners’ insurance in Georgia?

Every state restricts homeowners’ insurance on certain dog breeds and certain insurance providers. These dog breeds include:

• Rottweilers
• Pit bulls
• German Shepherds
• Staffordshire terriers
• Akitas
• Alaskan Malamutes
• Siberian Huskies
• Wolf breeds

It’s best to contact your local homeowner’s insurance provider to see what your policy includes or excludes dog breeds and whether you will need a specific liability rider if you have one of these dog breeds.

5 Useful Strategies for Keeping Your Dog Safe & Healthy in Georgia

1. Protect your dog’s paws

It gets hot in Georgia. It can quickly get up into the 90s during the summer months. Remember to protect your dog’s paws with special shoes if you walk on the beach or sidewalk.

2. Avoid water pests

Living in Georgia means lots of beach time, but if your dog loves to get into the water, be sure to protect them from jellyfish or sea lice. These pests cause injury to your dog that will need vet care.

3. Never leave your dog alone in a car

It’s easy to forget how hot a car gets in the hot weather of the Peach State or the trouble your dog can get into when left alone. Never leave your buddy alone in the car; it’s just too risky.

4. Snakebite

Warm weather means snakebite season in Georgia. Snakes love the warmer weather, and many of them live in wooden areas near the water. Keep your dog away from places where snakes live. Contact your vet immediately if your dog acts strange for being outside.

5. Never give your dog chicken bones

Keep chicken bones away from your dog because chicken bones break quickly creating a choking hazard for your dog.

4 Unique Dog Rescue Shelters in Georgia

If you’re looking for a new dog, we hope you’ll consider these five great animal shelters in Georgia. We think that adopting a dog is a great way to find a sweet companion. This list is short. There are many more rescue shelters in the state.

1. Paws Atlanta

Located in Atlanta, this short-term fostering home provides loving care in a safe environment. They provide socialization activities such as walking on a leash, being around people and other animals. They also provide care for sick or injured animals. Check out the website to see available dogs for adoption.

2. All About Animals Rescue Macon

This is a non-profit, no-kill rescue shelter. Their goal is to reduce the number of homeless animals in the area, educate the public on the importance of safety, nutrition, and vet care for pets, and increase the number of animals adopted every month. Their goal is to match a pet with a new owner considering lifestyle, needs, personality, and wants. Check out their list of dogs on their website.

3. PetFinder Animal Rescue Foundation

Because they don’t receive money from the government, the rescue has a wide assortment of volunteers who help keep it up and running. Many of the volunteers are college students getting their community service requirements. ARF has served the community for 38 years, providing a home for unwanted cats and dogs, spaying and neutering them, and helping them find permanent homes.

4. North Georgia Animal Alliance

They’re a non-profit animal rescue organization that reduces the number of euthanized animals and promotes humane animal treatment. They do this by helping prevent overpopulation by providing low-cost neutering or spay services and educating the public about caring for their pets. If you want to adopt, they will conduct an interview with you, provide help and vet care if you need it and provide the adoptive dog’s parents with a help-line 24 hours a day so you can call to get help with behavioral issues. They also offer microchips.

Conclusion

If you live in Georgia and own a dog, we encourage you to find a good dog insurance company. We suggest you sign up for pet insurance while your puppy is young, at least 8 weeks old, so you’ll get the best prices with the least restrictions on pre-existing conditions. Of course, even if your dog is older, insurance is still a good idea. Having dog insurance guarantees you’ll have the means to take care of your furry family member in case of an accident or illness like cancer. Our research found that Lemonade pet insurance offers the best coverage at the lowest monthly premiums.

SwiftScore Ranking Methodology for Georgia

We ranked the best pet insurance policies in Georgia based on a variety of important factors including the following:

• Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Georgia with a 30331 zip code
• Coverage and benefits
• Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
• AM Best rating of the underwriter
• Reimbursement percentage
• Annual benefit amount
• Technology and user experience
• Ease of sign up
• Policy language clarity
• User reviews

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