7 Best Georgia (GA) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

Selecting the ideal Georgia dog insurance plan can be overwhelming. As a licensed Georgia insurance agent and lifelong dog owner, I understand the confusion in the policies and how hard it is to choose the best company. The good news is that my team and I have done all the research for you. Regardless of if you live in Atlanta, Augusta, Milledgeville, Macon, Columbus, or anywhere else in the Peach State, we’ve got you covered. Read more about our unbiased ranking methodology and advertiser disclosure.

Top GA Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Georgia. The average monthly Georgia-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Georgia with a 30331 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$22.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Georgia dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$38.08/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$62.32/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$37.97/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$41.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Georgia vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
spot pet insurance
4.1
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$45.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Georgia pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN GEORGIA

$22.42/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Georgia dog insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

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 the age, health, and breed of your puppy.

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 September 2021 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 just 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 upon which insurance you choose, but usually, accidents or illnesses are 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 to make it easier, most providers offer an easy-to-use calculator when they give you a quote. 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 has restrictions for 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. If you walk your dog on the beach or sidewalk, remember to protect their paws with special shoes.

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. If your dog acts strange for being outside, contact your vet right away.

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. From our research, we 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

Other state dog insurance resources

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